JP7432986B2 - automatic transaction device - Google Patents

Description

The present invention relates to automatic transaction devices, and can be applied to automatic transaction devices such as ATMs (Automated Teller Machines) that accept cards (cash cards) equipped with magnetic stripes and IC chips.

Currently, cash cards used in ATMs installed at financial institution branches, convenience stores, etc. have at least a magnetic A stripe (hereinafter also referred to as "MS") is attached. Furthermore, many cards now include not only a magnetic stripe but also an IC chip as a data recording section. Currently installed ATMs can at least read magnetic stripes, but not all ATMs can read IC chips.

For convenience of explanation, a cash card with a magnetic stripe and an IC chip will be referred to as an "IC cash card" or "IC card", and a card with only a magnetic stripe (a cash card without an IC chip) will be referred to as an "IC cash card" or "IC card". card) shall be referred to as an "IC-less cash card."

In conventional IC cash cards, control information data (hereinafter also referred to as "validity code") for determining whether or not an IC chip is attached to the card is recorded on the magnetic stripe. In conventional ATMs, even when an IC cash card is inserted, the data on the magnetic stripe is first read and the presence or absence of an IC chip is determined from the validity code.

Therefore, if an IC cash card becomes unreadable at an ATM due to a magnetic defect in the magnetic stripe (for example, magnetic loss or damage), transactions using the IC cash card at an ATM will not be possible even if the IC chip is normal. You will no longer be able to do so, and you will be required to go through procedures such as reissuing your IC cash card at a financial institution's counter.

As a conventional technique for continuing transactions even when a magnetic stripe malfunction occurs, there is a technique described in Patent Document 1.

The ATM described in Patent Document 1 utilizes the fact that even if a magnetic stripe has a magnetic defect, card identification information (validity code) included in magnetic data may be readable. In other words, in the ATM described in Patent Document 1, even if there is a magnetic defect in the magnetic stripe, an attempt is made to read the card identification information (validity code) included in the magnetic data, and the read card identification information (validity code) is read. If the code indicates that an IC chip is attached to the code, transactions based only on the IC chip data are possible.

JP2012-27568A

However, in the ATM described in Patent Document 1, if the card identification information (validity code) included in the magnetic data cannot be read from the magnetic stripe, it is not possible to shift to transactions using an IC chip. , it becomes impossible to continue trading.

Therefore, there is a need for an automatic transaction device that can improve convenience for customers in the event of a magnetic stripe failure.

An automatic transaction device according to a first aspect of the present invention includes: (1) a card processing unit that accepts and processes an IC card having a magnetic stripe and an IC; and (2) using the card processing unit, (3) abnormality determining means for attempting to read the magnetic stripe of the IC card and determining whether or not the magnetic stripe of the IC card is abnormal; (4) an IC reading means for reading IC data recorded on the IC of the IC card using the IC card; and (4) even if the magnetic stripe of the IC card is determined to be abnormal, (5) transaction processing means for processing a transaction using the IC data read from the IC by the IC reading means ; and (5 ) the magnetic stripe of the IC card is determined to be abnormal by the abnormality determination means. ( 6 ) the transaction processing means includes a magnetic anomaly output means for displaying and outputting a magnetic anomaly screen on which magnetic anomaly information related to the fact that the magnetic stripe is abnormal; If the magnetic stripe is determined to be abnormal, the transaction processing is executed without any restoration of the magnetic stripe determined to be abnormal by the abnormality determining means, and the transaction processing is executed by the IC reading means. using the IC data read from the IC , and (7) card type determining means for determining whether the IC card is a self-bank card issued by a financial institution that has installed the automatic transaction device. (8) When the abnormality determining means determines that the magnetic stripe of the IC card is abnormal, the transaction processing means is configured to process the transaction if the IC card satisfies a condition that the IC card is a self-banked card. (9) If the card processing unit accepts the IC card before the customer selects a transaction, the card processing unit accepts the IC card before the customer selects the transaction, and after the card type determining means and the abnormality determining means make a determination, It is characterized in that selection is made .

The automatic transaction device of the second aspect of the present invention includes: (1) a card processing unit that accepts and processes an IC card having a magnetic stripe and an IC; and (2) a card processing unit that uses the card processing unit to (3) abnormality determining means for attempting to read the magnetic stripe of the IC card and determining whether or not the magnetic stripe of the IC card is abnormal; and (4) an IC reading means for executing the transaction processing selected by the customer, even if the magnetic stripe of the IC card is determined to be abnormal. (5) transaction processing means for processing a transaction using the IC data read from the IC by the IC reading means; and (5) the magnetic stripe of the IC card is determined to be abnormal by the abnormality determination means. (6) the transaction processing means includes a magnetic anomaly output means for displaying and outputting a magnetic anomaly screen on which magnetic anomaly information related to the fact that the magnetic stripe is abnormal; If the magnetic stripe is determined to be abnormal, the transaction processing is executed without any restoration of the magnetic stripe determined to be abnormal by the abnormality determining means, and the transaction processing is executed by the IC reading means. is performed using the IC data read from the IC, (7) further comprising card type determining means, (8) the card type determining means makes a first determination, and (9) the first determination. (10) Before the customer selects a transaction, the card processing section determines whether the IC card corresponds to either a cash card or a credit card. If the customer accepts the transaction, the customer selects a transaction after the card type determining means and the abnormality determining means make a determination.

According to the present invention, it is possible to provide an automatic transaction device that suppresses a decrease in customer convenience when the magnetic stripe of an IC card (for example, an IC cash card) is abnormal.

FIG. 1 is a block diagram showing the functional configuration of an ATM according to an embodiment. FIG. 1 is a perspective view of the appearance of an ATM according to an embodiment. FIG. 2 is an explanatory diagram showing a configuration example of a cash card used in an ATM according to an embodiment. 2 is a flowchart (Part 1) showing the operation of the ATM according to the embodiment. 2 is a flowchart (Part 2) showing the operation of the ATM according to the embodiment. FIG. 2 is an explanatory diagram showing an example of the configuration of a magnetic abnormality screen displayed on an ATM according to an embodiment.

(A) Main Embodiment Hereinafter, one embodiment of an automatic transaction device and a control program according to the present invention will be described in detail with reference to the drawings. In this embodiment, an example in which the automatic transaction device of the present invention is applied to an ATM will be described.

(A-1) Configuration of Embodiment FIG. 1 is a block diagram showing the functional configuration of an ATM 10 of this embodiment. FIG. 2 is a perspective view of the appearance of the ATM 10.

The ATM 10 is, for example, an automatic transaction device installed in a financial institution branch, a convenience store, or the like. The ATM 10 performs transaction processing (for example, transaction processing) related to the customer's account based on the operations of the user who performs the transaction (hereinafter referred to as "customer") and information processing (e.g., transaction processing) that involves communication with the host computer 20 (upper system). For example, it performs transfer processing, deposit processing, etc.). When conducting a transaction with a customer, the ATM 10 accepts a cash card inserted by the customer and processes the transaction using the data written in the data recording section of the cash card.

FIG. 3 is a block diagram showing the configuration of a cash card inserted into the ATM 10.

In the ATM 10, an IC cash card 30 is attached with a magnetic stripe 301 and an IC chip 302 as shown in FIG. 3(a), or only a magnetic stripe 301 is attached as shown in FIG. It is assumed that a customer may insert one of the IC-less cash cards 40 (not attached).

The ATM 10 includes a control section 11, a data storage section 12, a card processing section 13, a customer operation display section 14, a statement journal processing section 15, a cash processing section 16, and a communication section 17. Note that the hardware configuration of the ATM 10 of this embodiment can be the same as that of existing ATMs.

The control section 11 has a function of controlling the operation of each section within the ATM 1, and includes a transaction processing section 110. The data storage unit 12 is a data storage unit that stores various information necessary for the control unit 11 to perform information processing, and can be configured by, for example, various types of memories.

The control unit 11 can be realized, for example, by installing the control program of the embodiment (including the automatic transaction program according to the embodiment) in a program implementation configuration including a processor and the like. The above-mentioned control program may be stored in the data storage section 12, for example, and read and executed by the control section 11 when the ATM 1 is activated.

The transaction processing unit 110 performs information processing for processing transactions with customers, and controls each component within the ATM 10 in connection with transactions. A detailed description of the processing of each element constituting the transaction processing unit 110 will be described later.

The communication unit 17 is a network interface for connecting to the host computer 20 (upper system).

The card processing unit 13 is a device that accepts and processes a cash card (IC cash card 30 or non-IC cash card 40) inserted by a customer from the card insertion/ejection port 13a under the control of the control unit 11. The card processing section 13 includes a magnetic stripe reading section 131, an IC reading section 132, and a card image reading section 133.

The magnetic stripe reading unit 131 reads data (hereinafter referred to as "magnetic data" or "MS data") on a magnetic stripe 301 attached to a cash card (IC cash card 30 or non-IC cash card 40) inserted from the card insertion/ejection port 13a. ”).

The IC reading unit 132 accesses the IC chip 302 attached to the IC cash card 30 inserted through the card insertion/ejection port 13a and reads data (hereinafter also referred to as "IC data").

The card image reading unit 133 images (scans) the surface of a cash card (IC cash card 30 or non-IC cash card 40) inserted from the card insertion/ejection port 13a. Although details will be described later, the ATM 10 performs a process of confirming the presence or absence of the IC chip 302 based on the image captured by the card image reading section 133.

The customer operation display unit 14 functions as an interface with the user who uses the ATM 1. The type of device used to interface with the user in the customer operation display section 14 is not limited. In this embodiment, as shown in FIG. 2, the customer operation display unit 14 is assumed to have a touch panel display 14a and a pin pad 14b as devices used for interface with the user. The touch panel display 14a can display information to the customer and accept operations from the customer (for example, accept operations by pressing soft keys) by presenting (displaying) an operation screen (GUI). It is a device. The pin pad 14b is composed of a plurality of hardware keys, and is a device that can accept various inputs such as password information such as a password, transaction amount, and confirmation of screen contents. Although the pin pad 14b will be described below using an example of a hardware key, the pin pad 14b is not limited to this example, and the pin pad 14b may also be a soft key displayed on the touch panel display 14a. good.

The statement journal processing unit 15 is a device that prints transaction details on a statement and/or a journal. The statement journal processing unit 15 discharges the printed statement slip from the statement discharge port 15a. Note that although a case will be described in which the statement slip is printed by the statement journal processing unit 15 and discharged from the statement slip discharge port 15a, the present invention is not limited to such an example. For example, the statement slip may be data that includes at least one of transaction history, transaction details, and transaction results managed by the card or host, and the customer uses the ATM 10 or a mobile terminal (not shown) after the operation. You can check the above data displayed on the screen.

The cash processing unit 16 performs a deposit process of accepting and storing cash (banknotes and/or coins) inserted into the deposit/withdrawal port 16a from a customer, and withdraws (withdraws) the stored cash (banknotes and/or coins) from the deposit/withdrawal port 16a. This is a device that performs cash processing such as withdrawal processing.

Next, the magnetic data on the magnetic stripe 301 attached to the cash card (IC cash card 30 or non-IC cash card 40) will be explained.

In this embodiment, the magnetic stripe 301 includes information necessary for the transaction (at least the financial institution number of the financial institution that issued the cash card, the account number related to the cash card), and a validity code (the IC card of the cash card). Control information indicating the presence or absence of a chip) is recorded.

That is, the validity code recorded on the magnetic stripe 301 of the IC cash card 30 to which the IC chip 302 is attached has content indicating "IC chip present". On the other hand, the validity code recorded on the magnetic stripe 301 of the IC-less cash card 40 to which no IC chip is attached indicates "no IC chip". Note that the magnetic stripe 301 of the IC-less cash card 40 may be configured to indicate "no IC chip" by not recording the validity code itself; however, in this embodiment, as described above, It is assumed that a validity code indicating "no IC chip" is recorded.

It is assumed that the IC chip 302 also records at least the information necessary for transactions (at least the financial institution number of the issuer (financial institution that issued it) of the cash card, the account number related to the cash card, etc.). .

Next, an overview of the processing performed by each element constituting the transaction processing section 110 will be explained.

The transaction processing section 110 includes a magnetic stripe determination section 111, an IC presence/absence detection processing section 112, an IC information processing section 113, a card type determination section 114 (or card type determination section 114), a transaction execution processing section 115, and a magnetic abnormality screen display. 116, and a magnetic anomaly screen operation reception unit 117.

The magnetic stripe determination unit 111 attempts to read the magnetic stripe 301 attached to the cash card (IC cash card 30 or non-IC cash card 40) inserted into the card processing unit 13 (card insertion/ejection port 13a), and detects the magnetic stripe. A process is performed to determine whether 301 (magnetic data) is normal or abnormal (magnetic abnormality).

When the magnetic stripe determination unit 111 determines that the magnetic stripe 301 is abnormal, the IC presence/absence detection processing unit 112 detects the inserted cash card based on the image acquired by the card image reading unit 133 (the image taken of the surface of the inserted cash card). A process of determining whether or not the inserted cash card has an IC chip 302 (determining whether the inserted cash card is the IC cash card 30) is performed.

When the inserted cash card is the IC cash card 30 (when the IC presence detection processing unit 112 determines that the IC chip 302 is present), the IC information processing unit 113 reads the IC chip 302 using the IC reading unit 132. The process of reading the information is performed.

For example, the card type determination unit 114 determines whether the inserted IC cash card 30 is a cash card of its own bank (for example, the financial institution that installed the ATM 10) (hereinafter referred to as a "own bank card") based on the information of the read IC chip 302. ''), but the process is not limited to this example. The cash card may be, for example, a debit card with a credit function. Further, for example, the card type determination unit 114 may perform the first determination and/or the second determination. Further, the first determination is to determine whether the IC cash card 30 is a self-bank card or a card of another bank. At least one of the cards does not belong to the bank, and the determination method may be, for example, as described above, based on the information on the read IC chip 302, it may be determined that the card belongs to the bank. Or, based on the information on the magnetic stripe 301, for example, it may be determined that it is the own service. The second determination is to determine whether the card is a cash card, an overseas issued card, or a credit card. For example, the determination method is to determine the type of card from the information on the magnetic stripe 301. Any method can be applied, such as a method of determining the card type based on where the magnetic stripe 301 is located on the front and back surfaces of the card.

The transaction execution processing unit 115 uses the information acquired from the magnetic stripe 301 or the information acquired from the IC chip 302 to communicate with the host computer 20 regarding transactions accepted from customers (for example, withdrawal transactions, deposit transactions, etc.). Transaction processing (for example, transaction processing by sending and receiving transaction messages) is executed between the parties. Transaction execution processing section 115 communicates with host computer 20 via communication section 17 . Further, in this embodiment, the transaction execution processing unit 115 uses the customer operation display unit 14 to accept input of information necessary for the transaction (for example, input of password information using the operation screen, transaction amount, etc.) from the customer. I do.

In this embodiment, it is assumed that the transaction execution processing unit 115 performs transaction processing based on information acquired from the magnetic stripe 301 if the magnetic stripe 301 of the inserted cash card is normal. In addition, in this embodiment, when the inserted cash card is an IC cash card 30 with an abnormal magnetic stripe 301, the transaction execution processing unit 115 sets a condition that a predetermined condition (details will be described later) is satisfied. Second, transaction processing is executed based only on the information acquired from the IC chip 302 without using the information on the magnetic stripe 301. In the following, the transaction processing executed by the transaction execution processing unit 115 based only on the information acquired from the IC chip 302 without using the information on the magnetic stripe 301 will be referred to as "IC information transaction."

Usually, in ATMs of financial institutions, the card identification information (validity code) included in the magnetic data includes information indicating that an IC chip is attached, as described in Patent Document 1 mentioned above. This is a procedure for conducting transactions using IC data. This procedure is described in the specifications of financial payment networks (e.g. national bank data communication system), but transactions may be possible even when card identification information (validity code) contained in magnetic data cannot be confirmed. It can exist as a customer need. Therefore, in the transaction execution processing unit 115 of this embodiment, when the card type determination unit 114 determines that the inserted IC cash card 30 is a bank card, the transaction execution processing unit 115 uses only the IC data without using magnetic data. An example of transaction processing will be explained.

The magnetic abnormality screen display section 116 displays, for example, that the magnetic stripe 301 of the inserted cash card is abnormal and when an IC information transaction is performed in the transaction execution processing section 115, the magnetic stripe 301 is abnormal. Performs output processing to notify (notify) the customer. The magnetic abnormality screen display section 116 displays an operation screen (hereinafter referred to as "card magnetic abnormality screen") for notifying the customer that the magnetic stripe 301 is abnormal, etc. from the touch panel display 14a of the customer operation display section 14. Perform the display processing. Note that the ATM 10 is not limited to this example, and instead of or in addition to displaying the card magnetic abnormality screen by the magnetic abnormality screen display unit 116, the statement journal processing unit 15 may display a message such as “This card is difficult to read. It may also have a function to print on the statement slip that the magnetic stripe 301 is abnormal. Further, for example, the statement journal processing unit 15 may have a function of printing "Please contact the counter" on the statement slip.

The magnetic abnormality screen operation reception unit 117 receives confirmation operation input from the customer (for example, when the magnetic abnormality screen display unit 116 displays the card magnetic abnormality screen on the touch panel display 14a of the customer operation display unit 14). It performs a process of accepting input (using keys or hard keys of the pin pad 14b).

As described above, in the ATM 10 of this embodiment, the transaction processing unit 110 (magnetic stripe determination unit 111) uses the card processing unit 13 to determine whether or not the magnetic stripe 301 of the IC cash card 30 is abnormal. An abnormality determination means is configured. In addition, in the ATM 10 of this embodiment, the transaction processing unit 110 (IC presence/absence detection processing unit 112 and IC information processing unit 113) uses the card processing unit 13 to process the IC data stored in the IC of the IC cash card 30. An IC reading means for reading is configured. Furthermore, in the ATM 10 of this embodiment, the transaction processing section 110 (transaction execution processing section 115) constitutes a transaction processing means that performs transaction processing using IC data or magnetic data. Furthermore, in the ATM 10 of this embodiment, the transaction processing unit 110 (magnetic anomaly screen display unit 116 and magnetic anomaly screen operation reception unit 117) displays a magnetic anomaly screen on which magnetic anomaly information is arranged. is configured. In addition, in the ATM 10 of this embodiment, the transaction processing unit 110 (card type determination unit 114) determines whether or not the IC cash card 30 is the own card based on the IC data. (card determination means) is configured.

(A-2) Operation of the Embodiment Next, the operation of the ATM 10 of this embodiment having the above configuration will be explained.

Below, the operation of the ATM 10 (transaction processing unit 110 of the control unit 11) when a customer inserts a cash card (IC cash card 30 or non-IC cash card 40) will be explained using the flowcharts shown in FIGS. 4 and 5. explain.

First, it is assumed that the ATM 10 (transaction processing unit 110) is in a state of waiting for a transaction to start (waiting for a customer). Thereafter, the customer performs an operation (selection of transaction type) on the customer operation display section 14 to start a transaction (for example, a withdrawal transaction or a balance inquiry) using the cash card (S101), and then the card processing section It is assumed that a cash card (IC cash card 30 or non-IC cash card 40) is inserted into 13 (card insertion/ejection port 13a) (S102).

In the flowchart of FIG. 4, the ATM 10 (transaction processing unit 110) accepts the selection of the transaction type and then accepts the insertion of the cash card. It's okay.

Next, the transaction processing unit 110 (magnetic stripe determination unit 111) controls the card processing unit 13 (magnetic stripe reading unit 131) to read (read) the magnetic stripe 301 (MS) attached to the inserted cash card. (hereinafter also referred to as "MS read") (S103), and it is confirmed whether the MS read is OK (magnetic stripe 301 is normal) or NG (magnetic stripe 301 is abnormal) (S104). The transaction processing unit 110 operates from step S201, which will be described later, if the magnetic stripe 301 is normal, and operates from step S105, which will be described later, if the magnetic stripe 301 is abnormal.

In step S104 described above, if the MS read is OK, the transaction processing section 110 (transaction execution processing section 115) continues the transaction processing based on the read magnetic data (S201). Specifically, for example, the transaction processing unit 110 (transaction execution processing unit 115) receives information input such as transaction details (for example, withdrawal amount, etc.) and PIN number from the customer via the customer operation display unit 14, It communicates with the host computer 20 via the communication unit 17 to execute transaction processing (for example, transaction processing by sending and receiving transaction messages).

After the transaction processing is completed, the transaction processing section 110 (transaction execution processing section 115) controls the card processing section 13 to eject (return) the inserted cash card (for example, the non-IC cash card 40) and perform other operations. The process of discharging the medium (for example, the process of dispensing cash from the cash processing unit 16, the process of printing and discharging the statement slip from the statement journal processing unit 15, etc.) is performed (S202), and the transaction is completed. .

On the other hand, in the above step S104, if the MS read is NG, the transaction processing unit 110 (IC presence/absence detection processing unit 112) uses the card processing unit 13 (card image reading unit 133) to read the inserted cash. An image of the front surface of the card (surface image) is acquired (S105), and based on the acquired image, it is confirmed whether or not the inserted cash card has an IC chip 302 (S106). When the transaction processing unit 110 determines that the inserted cash card has an IC chip 302 (IC chip 302 present), it operates from step S107 described later, and the IC chip 302 is not attached (IC chip 302 is absent). If it is determined that this is the case, the process starts from step S301, which will be described later.

For example, if it is determined in step S106 that the inserted cash card has the IC chip 302, the transaction processing unit 110 accesses the IC chip 302 using the card processing unit 13 (IC reading unit 132). An attempt is made to read the IC data (S107), and it is confirmed whether the reading of the IC data was successful or failed (the result of accessing the IC chip 302 was an error) (S108). The transaction processing unit 110 operates from step S109, which will be described later, when the IC data reading result is successful, and operates from step S301, which will be described later, when the IC data reading result is unsuccessful (IC access error). Note that the transaction processing unit 110 is not limited to this example, and for example, the transaction processing unit 110 may omit the confirmation/determination (S105, S106) as to whether or not the inserted cash card has the IC chip 302, and may use the card processing unit 13 instead. It is also possible to access the IC chip 302 and attempt to read IC data.

If the reading result of the IC data is successful in step S108 described above, the transaction processing unit 110 (card type determination unit 114), for example, refers to the acquired IC data and selects the inserted cash card (i.e., IC card type determination unit 114). It is determined whether the cash card 30) is the own bank's card or a card of another bank (determines whether the issuer of the cash card is the own bank or not) (S109). For example, the transaction processing unit 110 (card type determination unit 114) determines whether the inserted cash card is owned by the bank, depending on whether or not the financial institution code indicating the issuer of the cash card included in the acquired IC data is that of the bank. It is possible to determine whether it is a card or not. If the transaction processing unit 110 determines that the inserted IC cash card 30 is a card of its own bank, it operates from step S110, which will be described later.If it determines that the inserted IC cash card 30 is a card of another bank, it operates from step S301, which will be described later. Note that in step S109, an example has been described in which it is determined whether or not the card is the own bank's card based on the acquired IC data, but the present invention is not limited to this example. For example, even if there is an abnormality as a result of reading the MS in step S104, if the financial institution code included in the magnetic stripe can be read normally, it will be determined whether the bank belongs to the bank based on the financial institution code. It's okay. Furthermore, when using the above-described financial institution code on the magnetic stripe, for example, the above-mentioned step S109 may be executed after the above-mentioned step S104.

In step S109 described above, if the inserted IC cash card 30 is a bank card, the transaction processing section 110 (transaction execution processing section 115) continues the transaction processing based on the IC data (S110). The process in step S111 is the same as step S201 described above, except that it is a transaction process based on IC data, so a detailed explanation will be omitted. Although the transaction processing has been described using an example in which the transaction processing is executed based on IC data, the present invention is not limited to this example. For example, transaction processing may be performed based on data received from host computer 20, partially read magnetic stripe 301 data, provisional/logically restored magnetic stripe 301 data, etc. good.

After executing the transaction process (before returning the IC cash card 30 and other media), the transaction processing unit 110 (magnetic abnormality screen display unit 116) displays an abnormality in the magnetic stripe 301 on the customer operation display unit 14 (touch panel display 14a). An operation screen (magnetic anomaly screen) that outputs predetermined information related to (hereinafter referred to as "magnetic anomaly related information") is controlled to be displayed (S111).

The specific content of the magnetic anomaly related information and the specific screen configuration of the card magnetic anomaly screen are not limited. For example, the transaction processing unit 110 (magnetic abnormality screen display unit 116) may display an operation screen as shown in FIG. 6 as the card magnetic abnormality screen.

The card magnetic abnormality screen shown in FIG. 6 displays information for notifying (notifying the customer) that there is an abnormality in the magnetic stripe 301 of the inserted IC cash card 30 (in "The card is becoming weaker" message) and information to guide inquiries to the counter regarding an abnormality in the magnetic stripe 301 (in Figure 6, the message "If the card cannot be used in the future, please contact the counter during business hours. Please contact us." is displayed. Further, on the card magnetic abnormality screen shown in FIG. 6, a confirmation button B101 for accepting a confirmation operation from the customer (confirmation operation that the magnetic abnormality related information has been viewed) is arranged. Note that the notation "confirm" of the confirmation button B101 may be a notation other than confirmation, such as "yes", for example. Furthermore, the message "Your card's magnetic field is becoming weaker." is not limited to this example; for example, the message "Your card is becoming difficult to read." may also be used. . Further, on the card magnetic abnormality screen, for example, instead of the confirmation button B101, a restore button for restoring (or repairing) the magnetic stripe 301 is displayed, and the restoring means (not shown) is configured to restore the IC data or The magnetic stripe 301 may be restored based on data received from the host computer 20.

The transaction processing unit 110 (magnetic abnormality screen operation reception unit 117) waits until the confirmation button B101 is pressed on the touch panel display 14a while the card magnetic abnormality screen is displayed by the magnetic abnormality screen display unit 116. Then, when the confirmation button B101 is pressed, the transaction processing section 110 (transaction execution processing section 115) moves to the next process.

Next, the transaction processing unit 110 (transaction execution processing unit 115) controls the card processing unit 13 to eject (return) the inserted IC cash card 30 and eject other media (S112). Terminate the transaction.

On the other hand, if it is determined in the above-mentioned step S106 that the IC chip 302 is not attached, or if the result of reading the IC data is unsuccessful in the above-mentioned step S108, or if it is determined in the above-mentioned step S109 that the card is from another bank. If it is determined that the card is issued overseas, or if it is determined that the card is a credit card, the transaction processing unit 110 (transaction execution processing unit 115) A predetermined process is performed (S301) and the transaction is completed.

As the predetermined process in the case of MS read NG, for example, the same process as the process performed in the case of MS read NG in a conventional ATM can be applied. For example, the transaction processing unit 110 (transaction execution processing unit 115) controls the card processing unit 13 to eject (return) the inserted cash card, and displays the MS lead on the customer operation display unit 14 (touch panel display 14a). A message or the like may be displayed to indicate that the task could not be completed. Note that the above-mentioned predetermined processing is not limited to this example, and for example, transactions (deposits, withdrawals, etc.) may be performed with cards of other banks in the same way as with cards of one's own bank (S110 to S112). . Also, in the case of credit cards, for example, transactions such as loans may be performed (S110 to S112). Furthermore, in the case of cards issued overseas, transactions such as withdrawals may be performed (S110 to S112).

(A-3) Effects of Embodiment According to this embodiment, the following effects can be achieved.

In the ATM 10 of this embodiment, for example, when the magnetic data of the IC cash card 30 (magnetic stripe 301) cannot be read at all (for example, when it is demagnetized), the IC chip 302 is accessed to obtain the IC data, It is determined from the acquired IC data that the card is the own bank's card, and transaction processing based on the IC data is continued only if the card is the own bank's card. That is, in the ATM 10 of this embodiment, even if the presence or absence of the IC chip 302 cannot be determined based on the magnetic data (without using any magnetic data), transaction processing can be continued based only on the IC data.

Furthermore, in the ATM 10 (transaction processing unit 110) of this embodiment, the customer operation display unit 14 (touch panel display 14a) is used to display and output a magnetic abnormality screen to notify the customer that an abnormality has occurred in the magnetic stripe 301. It is possible to make the person aware of the situation and guide them to the counter.

In particular, in the ATM 10 (transaction processing unit 110) of this embodiment, after the transaction execution process in step S110 is performed and before the IC cash card 30 etc. is ejected in step S112, the magnetic abnormality screen is displayed. This allows the customer to visually see the magnetic abnormality screen more reliably. Furthermore, in the ATM 10 (transaction processing unit 110) of this embodiment, when the magnetic abnormality screen is displayed, the IC cash card 3 etc. , the magnetic abnormality screen can be more reliably seen by the customer.

(B) Other Embodiments The present invention is not limited to the embodiments described above, and may include modified embodiments as exemplified below.

(B-1) In the above embodiment, the ATM 10 (transaction processing unit 110) performs the transaction execution process in step S110 and before ejecting the IC cash card 30, etc. in step S112. , the magnetic abnormality screen is displayed, but the timing of displaying the magnetic abnormality screen is not limited to the above. For example, the ATM 10 (transaction processing unit 110), after step S104, after step S109, before step S110, or during step S110 (for example, during transaction execution processing (during communication with host computer 20)), A magnetic abnormality screen may also be displayed.

(B-2) In the above embodiment, an example is given in which the IC information processing unit 113 performs a process of reading information on the IC chip 302 when the IC presence/absence detection processing unit 112 determines that the IC chip 302 is present. However, the invention is not limited to this example. For example, the IC information processing section 113 may perform a process of reading the information of the IC chip 302 using the IC reading section 132 without the judgment of the IC presence/absence detection processing section 112 (regardless of whether the IC chip is present or not). .

(B-3) In the above embodiment, when making a transaction, a transaction selection is first made in step S101, and then a card is inserted in step S102, but the present invention is not limited to this. For example, the card may be inserted first (S102) before step S101, and then the transaction selection (S101) may be performed after the processing of steps S103 to S109 is performed. At that time, for example, at the time of transaction selection (S101), if the inserted card is your bank's card, a button for selecting your own bank's transaction will be displayed on the operation screen, and if it is a card of another bank, a button for selecting the transaction of the other bank's card will be displayed on the operation screen. A button for transaction selection may be displayed on the operation screen.

10...ATM, 11...Control unit, 12...Data storage unit, 13...Card processing unit, 13a...Card insertion/ejection port, 14...Customer operation display unit, 14a...Touch panel display, 14b...Pin pad, 15...Statement slip journal processing Department, 15a... Statement discharge port, 16... Cash processing section, 16a... Deposit/withdrawal port, 17... Communication department, 110... Transaction processing section, 111... Magnetic stripe determination section, 112... IC presence/absence detection processing section, 113... IC Information processing section, 114... Card type determination section, 115... Transaction execution processing section, 116... Magnetic abnormality screen display section, 117... Magnetic abnormality screen operation reception section, 131... Magnetic stripe reading section, 132... IC reading section, 133... Card image reading section, 20... Host computer, 30... IC cash card, 301... Magnetic stripe, 302... IC chip, 40... IC-less cash card.

Claims (2)

a card processing unit that accepts and processes an IC card having a magnetic stripe and an IC;
abnormality determining means for attempting to read the magnetic stripe of the IC card using the card processing unit and determining whether or not the magnetic stripe of the IC card is abnormal;
IC reading means for reading IC data recorded on the IC of the IC card using the card processing unit;
The IC reading means executes the transaction process selected by the customer, and even if it is determined that the magnetic stripe of the IC card is abnormal, the IC reading means executes the transaction process selected by the customer. Transaction processing means that uses the IC data read from the IC ;
a magnetic anomaly that displays and outputs a magnetic anomaly screen on which magnetic anomaly information related to the fact that the magnetic stripe is abnormal is arranged when the anomaly determining means determines that the magnetic stripe of the IC card is abnormal; output means;
When the magnetic stripe of the IC card is determined to be abnormal, the transaction processing means moves to execute the transaction processing without performing any restoration of the magnetic stripe determined to be abnormal by the abnormality determination means. and performing the transaction processing using the IC data read from the IC by the IC reading means,
Further comprising card type determining means for determining whether the IC card is a self-banked card issued by a financial institution that has installed the automatic transaction device,
The transaction processing means performs transaction processing when the abnormality determination means determines that the magnetic stripe of the IC card is abnormal and the IC card satisfies the condition that the IC card is a self-banked card;
If the card processing unit accepts the IC card before the customer selects the transaction, the customer selects the transaction after the card type determining means and the abnormality determining means make a determination.
An automatic transaction device characterized by: a card processing unit that accepts and processes an IC card having a magnetic stripe and an IC;
abnormality determining means for attempting to read the magnetic stripe of the IC card using the card processing unit and determining whether or not the magnetic stripe of the IC card is abnormal;
IC reading means for reading IC data recorded on the IC of the IC card using the card processing unit;
The IC reading means executes the transaction process selected by the customer, and even if it is determined that the magnetic stripe of the IC card is abnormal, the IC reading means executes the transaction process selected by the customer. Transaction processing means that uses the IC data read from the IC;
a magnetic abnormality output for displaying and outputting a magnetic abnormality screen on which magnetic abnormality information related to the fact that the magnetic stripe is abnormal is arranged when the abnormality determining means determines that the magnetic stripe of the IC card is abnormal; and means;
When the magnetic stripe of the IC card is determined to be abnormal, the transaction processing means moves to execute the transaction processing without performing any restoration of the magnetic stripe determined to be abnormal by the abnormality determination means. and performing the transaction processing using the IC data read from the IC by the IC reading means,
It further includes a card type determination means,
The card type determining means makes a first determination;
The first determination is to determine whether the IC card corresponds to either a cash card or a credit card;
If the card processing unit accepts the IC card before the customer selects the transaction, the customer selects the transaction after the card type determining means and the abnormality determining means make a determination.
An automatic transaction device characterized by:

Images