JPH0214746B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a card transaction system that allows transaction processing for multiple transaction accounts using one card.

Recently, various automatic deposit/withdrawal devices have been developed that are installed at bank branches and the like to automatically handle the deposit/withdrawal of banknotes in place of bank employees. When depositing and withdrawing banknotes using this automatic deposit/withdrawal device, it is necessary to authenticate that the user is the subscriber.
When the subscriber is authenticated, the deposit/withdrawal machine operates and allows the deposit/withdrawal.

That is, when a subscriber has an account at a bank, a personal identification card is issued to the subscriber, and the personal identification number recited by the subscriber is recorded magnetically and encoded on the personal identification card. When using the above device, the card is set in the device and the PIN number is entered using the keypad.The key-entered PIN number is checked to ensure that it matches the PIN number read from the personal identification card. and if they match, it becomes available for use.

However, recently some subscribers have opened a savings account,
There is a desire to use a bank account for small amounts of money that is frequently used on a daily basis, for example, and a deposit account for large amounts of money that is used rarely, but in this case it is necessary to have two personal identification cards, which is confusing and inconvenient. .

In addition, recently there has been a movement towards the integration of deposit accounts and the integration of credit cards with the above-mentioned cards.

However, in order to conduct transactions with multiple accounts, it is necessary to store information related to all these transaction accounts on a magnetic card, but the capacity that can be accommodated in one magnetic stripe of a magnetic card is limited. Therefore, it is difficult to store all of this information on a single magnetic stripe on a single magnetic card.

In view of the above, the present invention provides a card transaction system that accepts cards each having a plurality of magnetic stripes each recording different transaction account information, and allows designation of multiple transaction accounts with one card. With the goal.

An embodiment of the present invention will be described below with reference to the drawings. That is, FIG. 1 shows the entire automatic deposit/withdrawal device installed at a branch of a bank, etc. To explain the schematic structure, 1 is a housing, and inside this housing 1 are a depositing machine, which will be described later, Transaction certificate issuing mechanism, withdrawal machine,
A printing mechanism for reading a bankbook and a control device are housed therein.
Further, the casing 1 has a stepped portion formed at the center in the vertical direction of the front surface, and a keyboard 2 and a lid portion 3 for returning deposited regular bills are provided on this stepped portion. Furthermore, the housing 1 has a deposit slot 5 into which a large number of banknotes can be inserted at once, a banknote withdrawal slot 6, a display section 7, an invalid ticket return slot 8, and a personal identification slot on the front surface above the step. A card insertion slot 9 is provided. On the other hand, a door 10 of a safe deposit box, which will be described later, is provided on one side of the front surface of the housing 1 below the above-mentioned stage. In addition to the banknotes, transaction certificates and personal identification cards are also withdrawn from the withdrawal port 6.

Next, I will explain about the deposit machine.This deposit machine detects deposited banknotes and guides invalid bills to the return slot 8 in FIG. 1, while accumulating genuine bills in the deposit box. It is constructed as shown in FIG.
That is, the deposit port 5 of the housing 1 is provided inside the housing 1.
A storage chamber 11 is provided opposite to the storage chamber 11, and a large number of banknotes _P1 to be deposited are stored in a three-dimensional state in this storage chamber 11. Therefore, the cover 1 pivoted below the storage chamber 11 is connected to the deposit port 5.
2 is provided, and this cover 12 opens as shown by the dashed line when a cam 14 attached to a cover drive motor 13 rotates in the direction of arrow a.
This state is maintained. On the other hand, the storage chamber 11 is provided with an empty detection section consisting of a light source 15 and a light receiving element 16 for detecting the emptyness of the set banknotes _P1 , and a transparent plate coaxially supported with the cover 12. Pressing plate 1 composed of
7 is provided, and this pressing plate 17 is provided with a spring 18
The tensioning action of the banknotes _P1 to be deposited, which is set in the storage chamber 11, is pressed toward the rear side, that is, the withdrawal side. Further, a protruding piece 12a is provided at the end of the cover 12 on the pivot side.
When the micro switch 19 is closed, the actuator of the micro switch 19 placed opposite to the micro switch 19 is pressed to perform the switch operation, and the on/off signal of this switch 19 is supplied to a control device to be described later. A series of operations such as unloading and conveyance, which will be described later, are executed in response to a switch-on signal. A suction element 20 rotatable in the direction of arrow b is provided on the take-out side of the storage chamber 11, and vacuum suctions the banknotes _P1 set in the storage chamber 11 one by one from the front end thereof. It is designed to be taken out. The suction element 20 stops the pick-up operation when an empty detection signal obtained from the empty detection section is sent to a control device to be described later.
Further, on the rotational direction side of the suction element 20, there are a plurality of rollers 21... and a belt 22, which is stretched around these rollers 21 and pinches and conveys the bank note _P1 taken out by the suction element 20. Main and branch conveyance path 2
3a, 23b, 23c are provided, and the main conveyance path 23
One branch conveyance path 23b passing through a is guided downward along the inside of the rear surface of the casing 1, and is further guided toward the front, with the lower part of the storage chamber 11 serving as the unloading end, and the other branch conveyance path 23c The upper part of the storage chamber 11 led to the upper front side of the casing 1 is defined as the unloading end. In the middle of the main conveyance path 23a, there is an optical detector 26, which is composed of a light source 24, light receiving elements 25, 25, etc., and detects the bank note _P1 being conveyed; A jam detector 28 and the like is provided, and signals obtained from the detector 26 and the jam detector are sent to a control device to be described later. Further, between the discharge end of the main conveyance path 23a and the start ends of the branch conveyance paths 23b and 23c, there is a sorting gate 32 whose drive source is a rotary solenoid 29 for gates and whose drive is transmitted by an arm 30 and a linkage 311. provided, this gate 32
is driven and controlled by signals from a control device, which will be described later. That is, when the detection unit 26 and the control device determine that the bill is a valid bill, the sorting gate 32
closes the other branch conveyance path 23c, sends the banknote _P2 determined to be a valid banknote to one branch conveyance path 23b, and when it is determined that the banknote is invalid, the sorting gate 32 closes the other branch conveyance path 23c. The path 23b is closed and the invalid ticket _P3 is sent to the other branch conveyance path 23c. The output end of the other branch conveyance path 23c is communicated with a return port 8 that opens on the front surface of the housing 1, and this return port 8 includes a light source 33 and a light receiving element for determining the presence or absence of an invalid ticket. An invalid ticket detection section consisting of 34 or the like is provided. On the other hand, the output end of the branch conveyance path 23b communicates with the upper end opening of a stacking device 35 provided on the front side, and this stacking device 35 has an input/output warehouse 36 that extends in the vertical direction and an inside of the deposit box 36. It is configured to be able to move in and out and up and down, and is composed of a receiving plate 37 on which the transported bank note (hereinafter referred to as deposit bill) P ₄ is placed, a receiving plate device 38 that controls the drive of this receiving plate 37, etc. It is. Therefore, the receiving plate 37 is connected to the horizontal guide rail 39.
supported by a roller structure 40 that is movable along
This roller structure 40 is hung on a belt 44 stretched between a drive pulley 42 attached to a motor 41 fixed to the guide rail 39 and pulleys 43, 43 supported at both longitudinal ends of the guide rail 39. The receiving plate 37 is stopped as the motor 41 rotates.
are designed to enter and leave the safe 36. Furthermore, the horizontal guide rail 39 is supported by vertical guide rails 45 ₁ and 45 ₂ so as to be able to move up and down, and includes a drive pulley 47 attached to a motor 46 and pulleys 4 provided at both ends of the vertical guide rail 45 ₁ .
8 and 48, and the horizontal guide rail 39 is adapted to move up and down as the belt 49 moves. The receiving plate 37 moves into and out of the deposit box 36 by the rotation of a motor 41 fixed to the horizontal guide rail 39, and moves up and down by the rotation of the motor 46. The up and down direction will be described later. The drive and stop operation are performed in three stages: the upper fixed position (solid line shown), the uppermost position, and the lowermost position, and a micro switch (not shown) operated by a horizontal guide rail 39 is provided at each of the above positions. , on/off signals of each switch are sent to a control device to be described later. Further, an opening 50 for taking out genuine bills is provided on the front upper end surface of the housing 1 where the deposit box 36 is arranged, that is, above the deposited genuine bill placement part, and this opening 50 is provided with an opening 50 for taking out genuine bills. Pivoted to the upper end of the deposited genuine note P ₄
A lid 3 for return is provided. A lever 52 pulled toward the front side of the housing 1 by a spring 51 is attached to the pivot side of the lid 3, and an eccentric cam attached to a motor 53 is attached to the tip of the lever 52. A roller 55 is provided which abuts against the roller 54 . As the motor 53 rotates and the short surface of the eccentric cam 54 comes into contact with the roller 55, the lever 52 is pulled by the spring 1.
As a result, the lid 3 for returning the deposited genuine note _P4 is opened. Therefore, the receiving plate 37 normally stops at the upper fixed position shown by the solid line in the figure when receiving a deposited genuine bill and when waiting, and lowers when the depositor's approval is obtained (by operating the keyboard 3). However, if the depositor's approval is not obtained, that is, if the depositor is not approved, the keyboard 2 is operated to move up toward the opening 50 for taking out genuine bills, push the genuine bills onto the surface of the opening 50, and send the depositor to the depositor. These controls are performed by commands from a control device, which will be described later. Further, a pressing force detection switch 56 that is turned on when a certain pressing force is applied is provided at the lower part of the receiving plate 37, and when this switch 56 is turned on, this signal is sent to a control device to be described later. The receiving board 37 and the safe deposit box 36 are sent to the receiving plate 37 and exited from the safe deposit box 36. That is, upon obtaining the depositor's approval, the receiver plate 37 on which the deposited genuine note P ₄ is placed is lowered within the deposit box 36, and the actuator of the pressing force detection switch 56 is concentrated at the bottom of the deposit box 36 from the previous time. The receiving plate 37 is lowered until it comes into contact with the stacked banknotes _P5 and presses the banknotes _P5 , and a certain pressure is applied to the switch 56. When the certain pressure is applied, the receiving plate 37 37 to deposit box 3
6. This is to make the person leave outside. This reduces wasted volume when frequently used banknotes are stacked, making effective use of the limited space inside the safe deposit box 36, and further facilitating the bundling work by press-rolling the banknotes. It's getting old. A door 10 is provided on the front surface of the safe deposit box 36 of the housing 1 and is opened and closed by operating a key 10a. On the other hand, a motor 57 for conveyance and pump driving is installed at the inner bottom of the rear side of the housing 1, and is connected to the clutch 6 via a pulley 58 and a belt 59.
It is transmitted to the input side of 0. Also, this clutch 6
The output side of the roller 2 that constitutes the conveyance paths 23a, 23b, and 23c is connected to the roller 2 via a transmission member (not shown).
It is transmitted to 1... Further, the motor 57 is also in communication with a vacuum pump 61 adjacent thereto.
This vacuum pump 61 is provided with a vacuum chamber 62 and a discharge accumulator 63, and this vacuum chamber 62 is communicated with the suction element 20 via a hose 64. In addition, the discharge accumulator 63 is connected to the hose 6.
5 to an air discharge element 66 provided at the upper part of the storage chamber 11, and separates the banknotes _P1 stored in the storage chamber 11 from each other.

Further, as shown in FIG. 3, in the transaction certificate issuing mechanism, the certificate paper 68 is pulled out from the rolled state and conveyed to the dispensing port 6 of the housing 1 through a conveyance path 69 that holds and conveys the certificate paper 68. The conveyance path 69 is made up of a plurality of rollers 70 and belts 71 wrapped around the rollers 70. Furthermore, a printing ring 72, an ink ribbon 73, and a hammer 74 are provided to sandwich the certificate paper 68 being conveyed, and the printing ring 72 can be hit with the hammer 74 while holding the certificate paper 68 and the ink ribbon 73. Characters are printed on the certificate paper 68 by this. Further, a cutter 75 for cutting the certificate paper 68 into one transaction certificate is provided near the rear side of the printing section consisting of the printing wheel 72, hammer 74, etc.

In addition, the dispensing machine dispenses banknotes of the amount specified by the keyboard 2 in Fig. 1, which is a designated button, to the withdrawal port 6 in Fig. 1 in the denomination also specified by the keyboard 2. It is constructed as shown in FIG. That is, the cash withdrawal box 76 is housed in one side of the housing 1 . This cash withdrawal box 76 consists of storage boxes 77 divided into four stages, for example, and is driven up and down, and banknotes P ₆ of different denominations are stored in each stage in the storage box 77 in an upright position. It is accommodated. And, in front of the above-mentioned cash withdrawal box 76,
A suction member 78 is provided which is rotatably driven and takes out banknotes P ₆ of different denominations stored in each storage box 77 by suction as the cash withdrawal box 76 is driven up and down. Furthermore, a conveyance path 79 is provided for holding and transporting the banknote _P7 taken out by the suction member 78 to the withdrawal port 6 of the housing 1, and also for detecting the banknote _P7 being conveyed. A detector 80 is provided, and the conveyance path 79 is composed of a plurality of rollers 81 and a belt 82 wrapped around the rollers 81 . The detector 80 is composed of a light source 83 and a light receiving element 84 .

Now, to explain the personal identification card, two magnetic stripes 96 ₁ and 96 ₂ are provided on the personal identification card ₉₅ as shown in FIG. Data 97 is magnetically and encodedly recorded on the other magnetic stripe 96 ₂ with second bank account data 98 . In this case, the first deposit account data 97 is, for example, for a first deposit account with a low amount, including a first PIN number, account number, balance, and a bad mark (a PIN number read from a personal identification card and a key-input number). (indicates that there was a mismatch with the recited number), etc. On the other hand, the second deposit account data 98 is for a high-value second deposit account, for example, and includes the readout address, expiration date, and bad mark (in this case, an electronic This indicates that the second recitation number read from the computer and the second recitation number inputted by the key do not match).

Next, the control device of the automatic deposit/withdrawal device is constructed as shown in FIG. That is, the output signal of the light receiving element 25 of the detector 26 in the deposit machine is supplied to the deposit determination section 102. This discrimination section 102 performs authenticity appraisal and denomination determination of banknotes based on the supplied signals. An output signal representing the denomination is supplied to a deposit counting section 103, and this deposit counting section 103 receives an output signal. The signal is supplied to an adder/subtractor 104. On the other hand, the output signal of the light receiving element 84 of the detector 80 in the dispensing machine is supplied to the dispensing discrimination section 105. The withdrawal discrimination section 105 discriminates the denomination of the banknote based on the supplied signal, and the output signal representing the denomination is supplied to the withdrawal counting section 106.
6, the output signal is supplied to the adder/subtractor 104. This adder/subtractor 104 is connected to a main control section 107 so as to exchange signals, and an output signal from the keyboard 2 is supplied to the main control section 107 via a keyboard control section 108. Further, the main control section 107 is supplied with a signal indicating the authenticity of the banknote from the deposit discriminating section 102, and furthermore, the main control section 107
2 includes a jam detection signal from the jam detection section in the deposit machine, an invalid ticket presence signal from the invalid ticket detection section,
Empty detection signal from the empty detection section, turning on each switch,
An off signal etc. is supplied. Furthermore, when the personal identification card 95 shown in FIG. 4 is inserted into the personal identification card insertion slot 9 shown in FIG. Data 97 and second deposit account data 98 are read out by a magnetic detector 109 which is a card reader, and an output signal of this magnetic detector 109 is supplied to a personal identification card data determination section 110 . This personal identification card data discrimination section 110 discriminates the first PIN number, reading address, account number, balance, expiration date, bad mark, etc. based on the supplied signal, and the output signal representing the first PIN number is The output signal representing the read address is supplied to the recitation number verification section 111, and the output signal representing the read address is supplied to the recitation number verification section 111.
is supplied to the main control unit 107 via
A computer 114 is connected to the main control unit 107 via a communication line 113 so as to exchange signals. In this case, the computer stores a second PIN number for the second savings account at each address in the storage device. Also, personal identification card 95
When using the personal identification card 95, the subscriber inserts the personal identification card 95 into the insertion slot 9 and uses the keyboard 2 to operate the recitation number that the subscriber is reciting. The information is supplied to the PIN number verification section 111 via 108. Note that the recitation number verification section 111 is connected to the main control section 107 so as to exchange signals.
Further, the main control section 107 is supplied with signals representing the account number, balance, expiration date, bad mark, etc. from the personal identification card data discrimination section 110.
Furthermore, the output signal of the main control section 107 is supplied to the display section 7, the deposit section control section 116, the withdrawal section control section 117, and the transaction certificate issuing mechanism control section 118.

The automatic deposit/withdrawal device is configured as described above. Next, the operation when depositing money will be explained. In this case, the depositing machine is operated. That is, the user operates the keyboard 2 to set the deposit amount, and
Issue a start command. This start command signal is sent to the main control section 107 via the keyboard control section 108, and the main control section 107 outputs a signal to the deposit section control section 116 to rotate the cover drive motor 13. As a result, the cover 12 provided on the front surface of the housing 1 opens, and the motor 13 rotates and stops. Then, the user pulls the press plate 17 forward and transfers the bank note P ₁ to the storage chamber 11 through the deposit slot 5.
Set to . That is, the rear surface of the storage chamber 11 and the press plate 1
7 and store the banknote _P1 between them. after that,
When the user presses the cover 12 to close it,
The protruding piece 12a comes into contact with the actuator of the micro switch 19, and the switch 19 is turned on. This signal is sent to the main control section 107, and a drive signal is supplied from the main control section 107 to the motor 57 via the deposit section control section 116. As a result, the vacuum pump 61, the absorber 20 and each conveyance path 2
The rollers 21... etc. provided at 3a... are driven,
The bank note P ₁ set in the storage chamber 11 is attached to the suction piece 2
The sheets are taken out one by one from the frontmost end by the rotation suction action of No. 0 and fed into the main conveyance path 23a. Thus, the bank note _P2 being conveyed through the main conveyance path 23a is detected by the detector 26, and further conveyed to the discharge end via the jam detection section. At this time, the signal obtained by the light receiving element 25 of the detection section 26 is supplied to the deposit discriminating section 102, and the deposit discriminating section 102 verifies the authenticity and denomination of the banknote _P2 based on the signal, and A signal representing the type (only valid bills) is supplied to the deposit counting section 103. In addition, the deposit discrimination section 102
A signal indicating the authenticity of the bank note P ₂ is outputted to the main control section 107, and this main control section 107 outputs a signal to the deposit control section 116 to drive and control the gate rotary solenoid 29. That is, when the deposit determination unit 102 determines that the bank note P ₂ is an invalid note, the gate 32 transfers the banknote P 2 to one branch conveyance path 23 .
b is closed, the banknote _P2 that has passed through the main conveyance path 23a is sent to the other conveyance path 23c, and the banknote _P2 that is being conveyed is
When it is determined that the bank note P2 is a valid note, the gate 32 closes the other branch conveyance path 23c and sends the banknote _P2 that has passed through the main conveyance path 23a to one branch conveyance path 23b. The bank note P ₂ sent to the other branch conveyance path 23c is then sent as an invalid note P ₃ to the return port 8 provided at the upper front of the housing 1, and is made up of a light source 33 and a light receiving element 34. The invalid ticket detector detects that the invalid ticket _P3 is in the return slot 8,
This detection signal is sent to the main control section 107 and also to the display section 7, making the user aware that the invalid ticket _P3 has been removed. Also, one branch conveyance path 2
The banknotes _P2 sent to banknote 3b are conveyed to the deposited genuine bill placement section at the upper part of the deposit box 36, and are placed one after another on the receiving plate 37 located at the upper fixed position. However,
When all the banknotes P ₁ set in the storage chamber 11 have been taken out, a detection signal is emitted from the empty detection section, which is comprised of a light source 15, a light receiving element 16, etc. provided in the storage chamber 11. This signal is sent to the main control section 107 to control the removal operation of the suction element 20 to be stopped, and also causes the display section 7 to display the total amount of the deposited genuine bills _P2 conveyed to the above-mentioned placement section. This total amount is displayed by supplying a signal representing the denomination to the deposit counting section 103 to detect the total amount of the deposited genuine notes _P4 , and at the same time, the output signal of the deposit counting section 103 is outputted via the adder/subtractor 104. This is performed by being supplied to the main control unit 107. After the above, when the user approves the total amount of deposited genuine notes P ₄ by operating the keyboard 2, a drive signal is supplied from the main control unit 107 to the motor 46 via the deposit control unit 116, and the receiving plate 37 The horizontal guide rail 39 supporting the vertical guide rail 45
₁ , 45 ₂ and automatically descends. Therefore, the pressing force detection switch 56 provided on the lower surface of the receiving plate 37 is detected by the banknotes P ₅ which have been accumulated since the last time.
When the receiving plate 37 comes into contact with the upper end and presses the banknote _P5 , and a certain pressure is applied to the switch 56, the switch 56 turns on, and this signal is sent to the main control section 107. Sent. As a result, the motor 41 is driven, and the receiving plate 37 is moved out of the safe deposit box 36, and then moved upward and returned to the upper position, and banknotes are sequentially placed in the safe deposit box 36 in the order of deposit. It is merged and accumulated. If you are dissatisfied with the total amount of the deposited certificates P ₄ and request the return of the deposited certificates P ₄ when the deposited certificates P ₄ are transferred to the storage section at the top of the deposit box 36, please use the keyboard 2 for example. Operate the return key. Then, a return drive signal is sent from the main control section 107 to the motors 46 and 53 via the deposit section control section 116, and the motor 53
As a result of the rotational movement, the lid 3 for returning the deposited genuine note P4 is opened, and the receiving plate 37, which was located at a fixed position in the inside of the deposit box 36, rises to the top and returns the deposited genuine bill _P4 . Also, by operating the key 10a to release the locked state and open the door 10, the safe deposit box 3 can be opened.
The bank note _P5 in 6 can be easily taken out.

On the other hand, when withdrawing money, it operates the withdrawal machine,
For the operation of the dispensing machine, a start command signal is supplied to the main control section 107 via the keyboard control section 108 by operating the keyboard 2;
The process starts when a signal is output from the dispensing unit control unit 117 to the dispensing unit control unit 117. And at the withdrawal machine,
As the cash withdrawal box 76 is driven up and down, the banknotes _P5 stored in the respective storage boxes 77 are taken out by a suction member 78 and conveyed to the withdrawal port 5 of the housing 1 through a conveyance path 79. In this case, since banknotes _P6 of different denominations are stored in the storage box 77 for each stage, by specifying the denomination using the keyboard 2, the banknotes P6 can be issued with the designated denomination. Money can be. Further, the withdrawal bank note P ₇ is detected by the detector 80, and at this time, the signal obtained from the light receiving element 84 of the detector 80 is supplied to the withdrawal discrimination section 105, and the withdrawal discrimination section 105 discriminates the denomination. It will be done.
Furthermore, the total amount of the withdrawal is detected by supplying a signal representing the denomination from the withdrawal discrimination section 105 to the withdrawal counter 106.
The output signal of 06 is supplied to an adder/subtracter 104.
In this case, the withdrawal amount is initially set in the adder/subtractor 104 by operating the keyboard 2 via the keyboard control section 108 and the main control section 107. The adder/subtracter 104 subtracts the total amount withdrawn by the dispensing machine from this withdrawn amount, and when the difference becomes 0 yen, it outputs a signal to the main control section 107 and also outputs a signal to the main control section 107. Since the section 107 outputs a signal to the dispensing section control section 117, the operation of the dispensing machine is stopped.

Furthermore, at the time of deposit and withdrawal, the transaction certificate is issued by the transaction certificate issuing organization, that is, the main control unit 1
A signal is output from 07 to the transaction certificate issuing mechanism control unit 118, and the certificate paper 68 and the ink ribbon 73 are output.
The printing ring 72 is pinched and the printing wheel 72 is hit with a hammer 74 to print on the certificate paper 68. The printed certificate paper 68 is cut into a single transaction certificate with a cutter 75 and transported through a conveyance path 69 into a casing. The money is taken out to the withdrawal port 6 of the body 1.

Now, when the above-mentioned deposit machine and withdrawal machine are authenticated that the user is the subscriber to the deposit account, they operate as described above to enable deposits and withdrawals, and this authentication means is the fourth A personal identification card 95 shown in the figure is used. In this case, on the personal identification card 95, first deposit account data 97 for the first deposit account and second deposit account data 98 for the second deposit account are displayed on two magnetic stripes 96.
_Each personal identification card ₉₅ can handle two accounts. Note that the selection of handling for the first deposit account or the second deposit account is made by operating the account designation key on the keyboard 2 and sending the output signal to the main control unit 107 via the keyboard control unit 108. Supply and choose. However,
The personal identification card 95 is inserted into the insertion slot 9 in FIG. 1, and when the personal identification card 95 is inserted into the insertion slot 9, the first deposit account data 97 and the second deposit account The data 98 is read by a magnetic detector 109, and the output signal of the magnetic detector 109 is supplied to a personal identification card data determination section 110. This personal identification card data discrimination section 11
0 determines the first bank account data 97 such as the first PIN number, account number, balance, bad mark, etc. based on the supplied signal, and also determines the second bank account data 98 such as the read address and expiration date. This personal identification card data discriminator 110 outputs signals representing account numbers, balances, expiration dates, bad marks, etc., and is supplied to the main controller 107. On the other hand, the personal identification card data determination unit 110 outputs,
The output signal representing the first recitation number is supplied to the recitation number verification section 111, and the output signal representing the read address is supplied to the main control section 107 via the recitation number verification section 111. Further, during authentication, the subscriber inputs the PIN number using the keyboard 2, and an output signal from the keyboard 2 representing the PIN number is supplied to the PIN verification unit 111 via the keyboard control unit 108. If the user wishes to authenticate the first deposit account, the user inputs the first PIN number using the keyboard 2. In this case, the key-input first PIN number and the first PIN number read from the first deposit account data 97 of the personal identification card 95 are verified by the PIN number verification unit 111.
If they match, a signal is output to the main control unit 107 to enable the depositing machine and the dispensing machine. On the other hand, if the second deposit account is desired, a signal representing the read address supplied to the main control section 107 is further supplied to the computer 114 via the communication line 113. Therefore, this computer 114 is addressed by the above signal and receives the second data from the storage device.
The second recitation number is read out, and a signal representing the second recitation number is supplied to the recitation number verification section 111 via the communication line 113 and the main control section 107. If the user desires to use the second deposit account and performs authentication, the user inputs the second PIN number using the keyboard 2. In this case, the second recitation number entered by the key and the second recitation number read from the computer 114 are compared in the recitation number verification section 111, and if they match, the main control section 107 outputs a signal to enable the depositing machine and dispensing machine.

Therefore, the personal identification card 95 is convenient because it can handle multiple deposit accounts with one card; for example, for a first deposit account with a small amount, the recorded first PIN number is used. By using an authentication method that matches the first PIN number that is keyed in, deposits and withdrawals can be made without any restrictions on usage. By using an authentication method based on a match between the second PIN number read out from the computer when the address is specified by the second PIN number and the second PIN number input by key, the user authentication becomes safe and secure. .

Incidentally, in the above embodiment, the electronic computer was connected to the main control unit through a communication line, but the electronic computer may be housed within the automatic deposit/withdrawal device.

Further, FIG. 6 shows a partial modification of the control device, in which the PIN number verification section and the address verification section of FIG. 5 are combined into one verification section 120.

As detailed above, according to the card transaction method of the present invention, a single card can store information on multiple transaction accounts, and since account information is stored on the magnetic stripe corresponding to each account, there are no data restrictions. There is no need for users to carry a card for each transaction account. Furthermore, since the user only has to insert a card and specify a transaction account, the operation is extremely simple, which is a special advantage.

[Brief explanation of drawings]

Figure 1 is a perspective view of the entire automatic deposit/withdrawal device, Figure 2 is a configuration diagram showing a deposit machine, Figure 3 is a configuration diagram showing a transaction certificate issuing mechanism and a withdrawal machine, and Figure 4 is a diagram according to the present invention. A front view showing an example of a personal identification card;
FIG. 5 is a block diagram of the control device of the automatic deposit/withdrawal device, and FIG. 6 is a partially modified block diagram of the control device. 2... Personal identification card, 96 ₁ , 96 ₂ ... Magnetic stripe, 97... First deposit account data, 9
8...Second deposit account data, 109...Magnetic detector (card reader).

Claims (1)

[Claims] 1. A card reader with a reading head into which a card with a magnetic stripe is inserted and reads information stored on the magnetic stripe, and a processing device that performs desired transaction processing using the information read by the card reader. In a card transaction system, a card is used that has a plurality of magnetic stripes each recording different transaction account information, and the processing device is provided with a means for specifying the transaction account to be transacted, and the processing device records information on the card. and is configured to be able to execute a transaction process related to a transaction account designated by the designation means among a plurality of transaction processes corresponding to a plurality of transaction account information read by the card reader. Card transaction method.