JPH03189791A - Checking method for automatic transaction device - Google Patents

Abstract

PURPOSE:To surely detect the defect of a read-out mechanism and a write mechanism by reading out first reference data from a magnetic storage medium for checking a function and judging whether abnormality of the read-out mechanism exists or not, and also, writing second reference data, and thereafter, reading out its data and judging whether abnormality of the write mechanism exists or not. CONSTITUTION:From a magnetic storage medium for checking the function in which first reference data is stored, its data is read out, and its read-out data and the first reference data stored in an automatic transaction device are compared, by which whether abnormality of a read-out mechanism exists or not is judged. Also, the second reference data is written in its magnetic storage medium, and its data is read out and compared with second reference data, by which whether abnormality of a write mechanism exists or not is judged. In such a way, the defect of a read function and a write function of the magnetic storage medium of the automatic transaction device can be detected easily.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a method for checking automatic transaction devices used in financial institutions, etc., and particularly relates to a method for checking automatic transaction devices used in financial institutions, etc. The present invention relates to a checking method for determining defects in magnetic read and write functions for data (sometimes referred to as magnetic storage media) and access functions for IC cards.

[Background Art] In order to improve the efficiency and save labor of counter operations, financial institutions are moving to mechanized processing of transactions, that is, processing using automatic transaction devices.

FIG. 6 is a block diagram of a conventional automatic transaction device.

In the figure, (10) is a card read/write/receipt printing device, which is composed of a card reader (11), a dot printer (12), a card reject box (13), and a receipt reject box (14). (16) is a card printer control unit, which controls the card read/write/receipt printing device (IO).

(17) is a deposit/withdrawal machine, which has a banknote recognition section (18), a reject box (19), a deposit safe (2
0), a ten thousand yen stacker (21), a thousand yen stacker (22), and various other boxes for storing banknotes are provided.

(23) is a deposit/withdrawal control unit, which controls the deposit/withdrawal machine (17). (24) is a clock device.

(25) is a passbook recording device, and a passbook inserter (26) is a passbook recording device.
), a printer (27), a turn page section (28), and a passbook import box (29).

(30) is a passbook control unit, which controls the passbook recording device (25). (31) is a coin dispenser, (32) is a customer operation unit, and (33) is a CRT device.

(34) is the main control unit, which includes the above-mentioned card reader/printer control unit (1B), deposit/withdrawal control unit (23), clock device (24), passbook control unit (30), and coin withdrawal machine (31).
), a customer operation unit (32), a CRT device (33), etc., and performs predetermined arithmetic processing. (35
) is an interface, and data is exchanged between the main control unit (34) and a host computer (not shown) via this interface (35).

(3B) is a floppy disk drive, (37) is a hard disk, and (38) is a power supply.

In conventional automatic transaction devices such as those described above, when a transaction is completed, the magnetic storage medium inserted by the customer at the time of the transaction, the
Predetermined transaction data is written into the C card or the magnetic storage medium issued at the time of the transaction by a card read/write/receipt printing device (10) or a bankbook entry device (25).

In this case, for example, immediately after writing data to a magnetic storage medium, the automated transaction device reads the written transaction data, compares the written transaction data with the read transaction data, and determines whether the transaction data was successfully written. I was deciding whether or not to do so.

[Problems to be Solved by the Invention] By the way, when the automatic transaction device described above cannot normally read or write data to a magnetic storage medium, or when the IC card cannot be accessed normally, the automatic transaction device actually uses the magnetic Reading function, writing function of storage medium, or IC
It was unclear whether there was a defect in the access function of the card, or in the magnetic storage medium or the IC card itself.

However, if the automatic transaction device is stopped due to a defect in its function, the automatic transaction device has a high suspension rate, which impairs serviceability. For this reason, magnetic storage media or IC cards on which transaction data could not be read or written normally or IC cards that could not be accessed were considered to be abnormal and returned.

Therefore, even if there is a defect in the automatic transaction device's magnetic storage medium reading function, writing function, or IC card access function, there is a problem in that this defect cannot be easily detected.

Further, if the magnetic storage medium or IC card is returned, the transaction data at that time is not written, so post-processing is required, and there is a problem that the next transaction cannot be made.

Furthermore, if a magnetic storage medium or an IC card is returned as having an abnormality in a row, for example, even if there is an abnormality in the magnetic stripe, etc. of the magnetic storage medium, it is assumed that there is an abnormality in the device and the device is stopped. Therefore, there was a problem that the downtime rate of the equipment was high and the serviceability was impaired.

The present invention has been made to solve the above-mentioned problems, and an object of the present invention is to provide a method for checking an automatic transaction device that can reliably determine whether there is an abnormality in the device itself.

[Means for Solving the Problems] A checking method for an automatic transaction device according to the first aspect of the present invention includes the following first to sixth steps.

In the first step, the first reference data written in the magnetic storage medium for function check is read by the reading mechanism. In the second step, the data read in the first step is compared with the first reference data stored in the automatic transaction device. In the third step, when both data match in the second step, second reference data different from the first reference data is written into the magnetic storage medium by a writing mechanism. In the fourth step, the data written on the magnetic storage medium in the third step is read by the successive readout mechanism. In the fifth step, the data read in the fourth step and the second reference data are compared. In the sixth step, when the two data do not match in the second step or the fifth step, the transaction related to the reading mechanism or the writing mechanism is stopped.

The automatic transaction device checking method according to the second aspect of the present invention includes the following first to sixth steps.

In the first step, the IC card access mechanism accesses the IC for IC card checking and reads the third reference data written therein. In the second step, the data read in the first step is compared with third reference data stored in the automatic transaction device. Third
In the step, when both data match in the second step, fourth reference data different from the third reference data is written into the IC for IC card checking by the IC card access mechanism. In the fourth step, the data written in the IC card check IC in the third step is
Read by the C card access mechanism. In the fifth step, the data read in the fourth step and the second reference data are compared. In the sixth step, when the two data do not match in the second step or the fifth step, the transaction related to the IC card is stopped.

[Function] In the first invention, the first reference data is read from the magnetic storage medium for function checking in which it is stored, and the read data and the first reference data are combined with the first reference data stored in the automated transaction device. 1 is compared with reference data No. 1 to determine whether there is an abnormality in the reading mechanism.

Also, writing second reference data on the magnetic storage medium,
The data is read and compared with the second reference data to determine whether there is an abnormality in the writing mechanism.

Furthermore, in the second aspect of the invention, the same process as above is performed on the IC for IC card checking to determine whether or not there is an abnormality in the IC access mechanism.

[Example] Hereinafter, an example of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 2 is a block diagram of a passbook recording device of an automatic transaction device to which a method for checking a storage medium having a magnetic stripe according to an embodiment of the present invention is applied. In Figure 2,
(51) is a control device that controls the entire passbook recording device, (
52) is the passbook (not shown) inserted through the passbook insertion slot (not shown).
(53) is a magnetic data reading mechanism that reads data stored in the magnetic stripe attached to the passbook; (54) is a magnetic data reader that writes data to the magnetic stripe. (55) is a passbook reading mechanism that optically reads the pages of a passbook and the number of printed lines; (5B) is a passbook printing mechanism that prints transaction data on the passbook; (57) is a new passbook when carrying over a passbook; It is a passbook issuing mechanism that issues a bankbook specifically for transfers when making transfer transactions.

When a reading error or writing error occurs in the magnetic stripe of the passbook, the passbook issuing mechanism (57) determines whether there is a defect in the function of the passbook recording device itself or whether there is a defect in the magnetic stripe of the passbook. It is equipped with a passbook with a magnetic stripe affixed to it that stores data for checking its functions.

The passbook recording device in FIG. 2 corresponds to the passbook recording device (25) of the automatic transaction device in FIG. 6, and the other overall configuration is the same as that in FIG. 6.

FIG. 1 is a flowchart showing the operation of the passbook recording device of FIG. 2, and the operation will be explained with reference to this flowchart.

(1) Step 5L-33 The customer inserts the passbook into the passbook insertion slot of the passbook recording device, and the passbook transport mechanism (52) transfers the passbook to the magnetic data reader eM (53).
) (step S1), the magnetic data reading mechanism (53) reads the magnetic data stored on the magnetic stripe, such as account number, items such as savings account, current account, balance amount, etc. (step S1). S2).

In addition, the passbook transport mechanism (52) is connected to the passbook reading mechanism (5
When the passbook is transported to the position 5), the passbook reading mechanism (55) reads the passbook and detects the pages and printed lines of the passbook (step 33).

(2) Steps 84 to S5 The control device (51) transfers the data obtained by reading the magnetic stripe and the data obtained by reading the bankbook to the main control device (not shown, but the main control device (34 in FIG. 2) corresponding to ). The main controller transmits these data as transaction data to the financial institution's center, etc. (step S4).

The financial institution's center processes transactions based on the data sent by the main controller, and returns transaction response data as a result to the main controller. Further, the main controller outputs the passbook print data and the magnetic stripe update data to the controller (51) based on the transaction response data (step 85).

(3) Steps 86 to S7 The passbook transport mechanism (52) transports the passbook, and the passbook printing mechanism (56) prints print data on the passbook (Step 8B). Further, the passbook transport mechanism (52) transports the passbook, and the magnetic data writing mechanism (54) writes updated data on the magnetic stripe, thereby updating the magnetic data on the magnetic stripe (step S7).

(4) Steps S8-si.

The magnetic data reading mechanism (53) is a magnetic data writing mechanism (53).
4) is read from the magnetic stripe (step S8), and the read data and the written data are compared (step S9).

This data comparison determines the output level of the read result, the presence or absence of write start information, horizontal parity data, vertical parity data, check data, presence or absence of write end information, and the identity of update data. When the read data and the written data match, the passbook is returned (step 510) and the transaction is completed.

(5) Steps 811 to 312 If the transaction data still does not match even after retrying updating and reading it three times (step Sll), the passbook transport mechanism (52) returns the passbook and sends the next message to C.
The information is displayed on the RT device (CRT device (33) in FIG. 6) to guide the customer. For example, a message such as "We will return your passbook. This passbook cannot be used next time, so please contact the counter during business hours." Then, the transaction is completed normally (step SL2).
, perform the following functional checks of the passbook recording device.

(6) Steps S13 to s22, sl.

The passbook issuing mechanism (57) stores a passbook for function checking, and when this passbook is conveyed to the position of the magnetic data reading mechanism (53) (step 813), the magnetic storage data reading mechanism (53) stores the passbook for function checking. The function check data stored in the magnetic stripe of the passbook is read out (step s14), and this read data is combined with preset data (data that should have been written in the magnetic stripe of the passbook). (step S15), and if they match, the magnetic data reading mechanism (
53) is judged to be normal, and if they do not match, it is assumed that there is an abnormality in the magnetic data reading mechanism (53).
Transactions using the passbook recording device are canceled (step 91B).

If the magnetic data reading mechanism (5B) is normal, then
The magnetic stripe writing mechanism (54) updates the contents of the magnetic stripe with data different from the data written on the magnetic stripe of the passbook (step 817), and the magnetic data reading mechanism (53) rewrites the data on the magnetic stripe.
(step 918).

Then, the write data and the read data are compared (step 819), and if they match, the process ends; if they do not match, the magnetic stripe writing mechanism (5
Assuming that there is an abnormality in 0, the transaction using the passbook recording device is canceled (step 31B). The passbook for function checking is returned to the passbook issuing mechanism (57) when the check is completed.

In this way, if there is a defect in the magnetic data reading mechanism (53) or magnetic data writing mechanism (54), immediately stop transactions using the passbook recording device as a failure of the automatic transaction device, and prevent writing errors. Preventing the subsequent return of the passbook to the customer. Further, when it is determined that there is an abnormality in the automatic transaction device, the abnormal state is sent to the host computer (not shown) as status information and displayed on the host computer's monitor television.

In this example, we have explained the abnormality in updating the passbook stripe, but if the reading of the magnetic stripe data is not normal for the passbook inserted at the transaction start stage, the magnetic stripe of the passbook will normally be The passbook was returned as being defective, but in this case as well, as described in this embodiment, the passbook is taken out from the passbook issuing mechanism (57) and the calculation operations of steps 913 to 819 in Fig. 1 are performed. By doing so, defects in the magnetic data reading mechanism (53) can be discovered at an early stage.

Further, by performing the calculation operations in steps 813 to S19 in FIG. 1 at regular intervals after power is turned on and while waiting for a customer, defects in the automatic transaction device can be discovered at an early stage.

FIG. 3 is a block diagram of a card read/write/receipt printing device of an automatic transaction device to which a method for checking a storage medium having a magnetic stripe according to another embodiment of the present invention is applied. In the figure, (6I) is a device that controls the entire card read/write/receipt printing device;
2) is a card transport mechanism that transports a magnetic card or an IC card; (63) is a magnetic data reading mechanism that reads magnetic data stored in the magnetic stripe of a magnetic card;
64) is a magnetic data writing mechanism that writes magnetic data on the magnetic stripe of a magnetic card, (65) is a transfer card issuing mechanism that issues a transfer card at the time of a transfer transaction, and (66) is a transfer card issuing mechanism that prints receipts and transfers them to card embossing. (67) is a receipt transport mechanism that issues or rejects a receipt; (68) is an IC card access mechanism that accesses an IC card.

It is assumed that the transfer card issuing mechanism (65) is loaded with a magnetic card storing magnetic data for function checking whose contents are guaranteed to be normal.

Note that the card read/write/receipt printing device shown in FIG. 3 corresponds to the card read/write/receipt printing device (10) of the automatic transaction device shown in FIG. It is similar to that in Figure 6.

FIG. 4 is a flow chart showing the operation of the card-read/write/receipt printing device of FIG. 3, and the operation of the device of FIG. 3 will be explained with reference to this flow chart.

(1) Steps Sl to S4 When a customer inserts a magnetic card or an IC card into the card insertion slot of the card transport mechanism (62) (step S1), the card transport mechanism (62) determines whether it is a magnetic card or not. In step s2), if the card is a magnetic card, the magnetic card is transported to the position of the magnetic data reading mechanism (63).

If it is determined that it is not a magnetic card, then it is determined whether it is an IC card (step 54), and if it is an IC card, the IC card is transported to the position of the IC card access mechanism (68).

When a magnetic card is inserted, the magnetic data reading mechanism (
63) reads the magnetic data stored in the magnetic card (step 83), and when the IC card is inserted, the IC card access mechanism (68) reads the data stored in the IC card (step 83). Step S4a)
.

(2) Steps 85 to S7 The control device (61) transfers the magnetic data or data obtained by reading the magnetic card or accessing the IC card to the main control device. The main controller transmits this data as transaction data to a financial institution's center (not shown) (step S5).

The center of the financial institution processes transactions based on the transaction data transmitted by the main controller, and returns transaction response data as a result to the main controller. Furthermore, the main controller creates receipt print data, magnetic card or IC card update data based on the transaction response data, and sends the control device (6
1) (step SB).

The printing/transfer mechanism (6B) prints the print data on the receipt, and the receipt conveyance mechanism (67) issues the receipt (
Step S7).

(3) Steps 88 to 814 When the magnetic card is inserted (Step 38), the magnetic data writing mechanism (e4) writes update data to the magnetic card and updates the magnetic data on the magnetic stripe (Step 39). ).

The magnetic data reading mechanism (63) is a magnetic data writing mechanism (63).
Immediately after 4) writes the updated data, the updated magnetic data is read out (step 5lo), and the read updated data and the written updated data are compared to determine whether they match (step Sll). ). Note that the comparison of the updated data at this time is similar to the case of the updated data of the magnetic stripe of the passbook described above (see step S9 in FIG. 1).

If the read update data and the written update data match, the card transport mechanism (62) returns the magnetic card and normally ends the transaction (step S12).
.

Once the magnetic data is updated and compared several times, for example, if it still does not match even after retrying three times (step S13).
), the card conveyance mechanism (62) returns the magnetic card, completes the transaction normally (step S14), and performs the following function check of the card read/write/receipt printing device. At this time as well, step S12 in FIG.
A similar message will be displayed on the liquid crystal display to guide the customer.

(4) Steps S15 to 823 The transfer card issuing mechanism (65) transports the magnetic card for function check to the position of the magnetic data reading mechanism (63) (Step S15).

The magnetic data reading mechanism (63) reads the magnetic data for function check stored in the magnetic card for function check (step 31B), and then compares the read magnetic data with the magnetic data for function check. and determine whether they match (step S17).
. If the magnetic data for function check does not match, it is determined that the magnetic data reading mechanism (63) is defective, and the transaction using the card read/write/receipt printing device is immediately stopped as a failure of the automatic transaction device. The processing is stopped and the bankbook with the writing error is prevented from being returned to the customer (step 518).

Also, when the magnetic data for function check matches,
It is determined that the magnetic data reading mechanism (63) is normal.

The magnetic data writing mechanism (64) is connected to the magnetic data reading mechanism (
In step S19), other function check data different from the function check magnetic data read by the function check mechanism 63) is written to the magnetic card and updated. This read data is compared with other written data for function checking to determine whether they match (step 521).

If the data for checking other functions does not match, it is determined that the magnetic data writing mechanism (64) is defective, and the card read/write/receipt printing device is immediately used to troubleshoot the automatic transaction device. The transaction is canceled and the automatic transaction device is stopped (see step 818).Furthermore, when the magnetic data for function check match, it is determined that the magnetic data writing mechanism (64) is normal.

Incidentally, once the function check magnetic card has been checked, it is returned to the transfer card issuing mechanism (B5).

By the way, conventionally, when reading and writing magnetic data to the magnetic card inserted at the transaction start stage is not normal,
The magnetic card was returned because it was found to be defective, but as explained in this example, not only was there an abnormality when updating data on the magnetic card, but the magnetic card was also used to check the functionality of the card during the transaction initiation stage. Then, step S15 in FIG.
The magnetic data reading mechanism (63
) and the magnetic data writing mechanism (64) may be discovered at an early stage.

In addition, defects in the magnetic data reading mechanism (63) and magnetic data writing mechanism (64) are checked by performing the calculation operations of steps 315 to S21 in FIG. 4 at fixed time intervals after the power is turned on and in the customer waiting state. You can do it like this.

(5) Steps 822 to 525 On the other hand, when the IC card is inserted (see step S8), the IC card access mechanism (68) writes updated data.

FIG. 5 is a configuration diagram of the IC card access mechanism (B8). In the figure, (71) is an IC card contact terminal, <7
2) C IC7'7- card, (73) C IC card 5-
This is an IC for Nick.

The IC card access mechanism (68) brings the IC card contact terminal (71) into contact with the terminal surface of the IC card (71), and
Realizes an interface with the IC of the C card (72),
The transaction data is written to the IC card (72) to update the data on the IC card (step 522).

Immediately after writing the updated data to the IC card, the IC card access mechanism (68) reads the updated data from the IC card (72) (step 523), and compares the read updated data with the written updated data. , it is determined whether or not they match (step 524). Note that the comparison of the update data is similar to the comparison of the update data of the magnetic card described above.

If the read update data and the written update data match, the card transport mechanism (62) returns the magnetic card (step 925), and the transaction ends normally.

If the read update data and the written update data do not match, update and compare the data several times, and if they still do not match even after retrying, for example, three times (step 82B), the card transport mechanism (62) returns the card and completes the transaction normally (step S27).
), perform a function check of the following card read/write/receipt printing device. At this time as well, a message similar to step S12 in FIG. 1 is displayed on the CRT device to guide the customer.

(6) Step 82g to S31, 81g card transport mechanism (62) transfers IC card (72) to IC card contact terminal (71) and IC card check IC (73)
When removed from between the IC card access mechanism (68
) Bring the fly C card contact terminal (71) into contact with the IC card check IC (73). Predetermined reference data is stored in this IC (73) for checking the IC card, and in order to access this IC (73) and read out the data (step 82B), the data is stored in the automatic transaction device. By comparing the standard data provided and checking whether there is a match, it is determined whether the IC card contact terminal (71) and the IC card check IC (73) are properly interfaced and whether or not it is a dolphin. (step 529).

When the interface by this reading is established normally, next, the IC card access mechanism (68)
Card contact terminal (71) and IC card check I
C (73) is brought into contact again. Then, standard data different from the above is used for IC card checking (73).
The next data is read (830). Compare the read data with the reference data stored in the automated teller machine (831), and if they match, it is assumed that the writing interface is working properly, and it is determined that the IC card itself is defective. to end the check operation.

Furthermore, if the two data do not match in step (S29) or (831), it is determined that the interface is abnormal and the automatic transaction device is defective, and the transaction using the IC card is canceled. (Step S1
g).

In addition, the function check of the IC card access mechanism (68) is carried out for a certain period of time immediately after the power is turned on, at the transaction start stage, or in the customer waiting state, similarly to the checks of the magnetic data reading mechanism (63) and the magnetic data writing mechanism (θ4). By performing this at regular intervals, defects in the automatic transaction device may be discovered at an early stage.

[Effects of the Invention] As explained above, according to the first invention, the first reference data is read from the magnetic storage medium for function checking to determine whether there is an abnormality in the reading mechanism, and the second reference data is Since the reference data is written and then read out to determine whether or not there is an abnormality in the writing mechanism, defects in the reading and writing mechanisms can be reliably detected and problems can be dealt with at an early stage.

Further, according to the second invention, an IC for checking an IC card is provided.
Perform the same process as above for the C card, read it,
Since the presence or absence of an abnormality in the IC card access mechanism is determined, a defect in the IC card access mechanism can be reliably detected.

In this way, defects in the reading mechanism, the writing mechanism, and the IC access mechanism can be discovered at an early stage, so it is possible to prevent a large number of passbooks, magnetic cards, or IC cards in which writing errors have occurred from going into circulation.

[Brief explanation of drawings]

FIG. 1 is a flowchart showing a checking method of an automatic transaction device according to an embodiment of the present invention, FIG. 2 is a block diagram of a passbook recording device that implements the method of the embodiment, and FIG. Another Embodiment 5 A process block diagram of a card read/write/receipt printing device for carrying out the automatic transaction device check method, FIG. 4 is a flowchart showing the operation of the device in FIG. Figure 5 is a schematic diagram of the IC card access mechanism of the automatic transaction device shown in Figure 3, Figure 6L
L is a configuration diagram of a conventional automatic transaction device. (51)...control device, (52)...passbook transport mechanism, (53)...magnetic data reading mechanism, (54)...
Magnetic data writing mechanism, (55)...Passbook reading mechanism, (
56)... Passbook printing mechanism, (57)... Passbook issuing mechanism, (62)... Card transport mechanism, (65)... Transfer card issuing mechanism, (66)... Receipt printing mechanism,
(67)...Receipt conveyance mechanism, (68)...IC
Card access mechanism. Passbook recording device Figure 2 Card read/write/receipt E1 character device Figure 3 Embodiment of the sword of the present invention Figure 4 (¥01)

Claims (2)

[Claims] (1) A first step of reading first reference data written in a magnetic storage medium for function checking using a reading mechanism, and combining the data read in the first step with the first reference data stored in the automatic transaction device. a second step of comparing the first reference data with the first reference data; and when both data match in the second step, a writing mechanism writes second reference data different from the first reference data to the magnetic storage medium; a third step of reading the data written in the magnetic storage medium in the third step using a reading mechanism; and a third step of reading the data written in the magnetic storage medium in the third step; and a sixth step of stopping the transaction related to the reading mechanism or the writing mechanism when both data do not match in the second step or the fifth step. A method for checking an automatic transaction device, comprising the steps of: (2) A first step of accessing the IC for IC card checking by the IC card access mechanism and reading out the third reference data written therein, and storing the data read in the first step in the automatic transaction device. The third
a second step of comparing the reference data of the second reference data with the reference data of a third step of writing the data into the IC for IC card checking in the third step, a fourth step of reading out the data written to the IC for IC card checking by the IC card access mechanism in the third step, and reading the data in the fourth step. a fifth step of comparing the received data with second reference data; and when the two data do not match in the second step or the fifth step, canceling the transaction related to the IC card. A method for checking an automatic transaction device, comprising a sixth step.