JPH0514299B2 - - Google Patents

Description

[Detailed description of the invention] [Table of contents] Overview Industrial field of application Conventional technology Problems to be solved by the invention Means for solving the problems (Fig. 1) Functional example (a) One example Explanation of automatic transaction device (Figures 2 and 3)
Figure) (b) Explanation of the configuration of an example passbook processing device (Figure 4,
(Figure 5) (c) Explanation of passbook processing operation in one embodiment (Figure 6) (d) Explanation of another embodiment Effects of the invention [Summary] Passbook processing in which the magnetic stripe of a passbook is read and written by a magnetic head The device is provided with a control unit that detects whether data is not written on the common track of the magnetic stripe, and the control unit writes data to the common track, thereby making it possible to detect passbooks in which data exists on the common track. This allows for automatic issuance of .

[Industrial application field]

The present invention relates to a passbook processing device that reads and writes to a passbook with a magnetic stripe, and more particularly to a passbook processing device that can write data to a common track on the magnetic stripe and return the same.

Passbooks are widely used in banking, and in recent years, in order to automate input operations, passbooks are equipped with magnetic stripes, data necessary for transactions is recorded on the magnetic stripes, and passbook processing equipment is used to read the magnetic stripes. Means is provided so that the content of the magnetic stripe is read by the reading means when the bankbook is accepted. Such a passbook processing device is not only provided in a counter device but also in an automatic transaction device to save labor in inputting transaction data.

[Conventional technology]

The recording track position RT of the magnetic stripe MS of such a passbook differs depending on the issuing bank, as shown in Figure 7A, and varies depending on the bank, such as the top, center, bottom, etc. Not standardized. Similarly, recording formats and data lengths also vary and are not standardized.

Therefore, in the passbook processing device PBU shown in FIG. 7B, the magnetic head HD records the recording track RT of the magnetic stripe MS of the accepted passbook.
It was designed to read the contents of the recording track RT, and it was not possible to read data recorded on tracks other than the recording track RT.

[Problem that the invention seeks to solve]

Since the track position differs depending on each bank, the passbook can only be used in the issuing bank's automatic transaction device or passbook processing device at the counter.

However, as bank mergers and alliances have been occurring frequently in recent years, there is a problem with conventional passbooks that bank transactions cannot be conducted using devices other than those of the issuing bank. A problem has arisen in that convenient automatic transaction devices that allow transactions cannot be used with passbooks.

SUMMARY OF THE INVENTION An object of the present invention is to provide a bankbook processing device that can automatically create bankbooks with different record track positions that can be used in devices of other affiliated banks.

[Means for solving problems]

FIG. 1 is a diagram explaining the principle of the present invention.

In the present invention, the magnetic stripe shown in FIG.
Accepts passbooks PB recorded on various tracks of the MS, reads the magnetic stripe MS with a magnetic head and checks whether data is recorded on the common track CRT. If no data is recorded on the common track CRT, As shown in FIG. 1B, the control section writes data to the common track CRT of the magnetic stripe MS using a magnetic head.

[Effect]

In the present invention, data is recorded on the common track CRT of the magnetic stripe MS for already issued passbooks, so a device that can read the common track CRT can
Passbook PB will be available. Therefore, even if banks are affiliated with other banks, if they are modified to read the common track, they can carry out transactions at other banks using already issued passbooks.

〔Example〕

(a) Description of an automatic transaction device according to an embodiment FIG. 2 is an overall configuration diagram of an embodiment of the present invention.
The configuration of the automated transaction device is shown.

In the figure, 1 is a card reader/receipt issuing machine (hereinafter referred to as CIP), which accepts a customer's card CD with a magnetic stripe, reads the data on the magnetic stripe of the card CD, and prints the embossed part on the card CD as a receipt/receipt. 2 is a passbook printer that accepts passbook PB with magnetic stripe, reads the magnetic stripe of passbook PB, 3 is a banknote counter that prints transaction details on the bankbook PB and returns the bankbook PB; 3 is a banknote counter that counts and discharges the specified amount from the banknote storage with a banknote PC; 4 is an envelope This is a deposit machine that releases an envelope EV according to instructions, accepts the envelope EV into which a deposit such as a banknote PC or a check CH has been inserted, and stores it in a storage compartment. 5 is an operation panel that accepts the customer's operation instructions. This device has a display section for displaying information, and an input section for the customer to enter a password, transaction type, amount, etc.

60 is a main control unit that controls the operation of the entire device by executing a program; 61 is a card control unit that controls operations according to instructions from the main control unit 60;
62 is a passbook control unit that controls the operation of the passbook printer 2 according to instructions from the main control unit 60; 63 is a withdrawal control unit that controls the operation of the main control unit 60; Bill counting machine 3 according to
64 is a deposit control unit, which controls the operation of the envelope deposit machine 4 according to instructions from the main control unit 60, 65 is an operation control unit,
66 is a memory that controls the operation of the operation panel 5 according to instructions from the main control unit 60, and stores programs and data necessary for the processing operations of the main control unit 60, and is an active transaction instruction register. 66
a, a passbook magnetic stripe buffer 66b, etc.; 67 is a line control unit; the main control unit 60;
68 is a floppy disk drive which constitutes an external storage device, into which floppy disks 68a and 68b are set.For example, floppy disk 68a is used to store bad accounts. , bank tables etc. are stored, and the program is stored in the floppy disk 68b, 69
1 is a floppy control section which controls the floppy disk drive 68 to perform reading and writing according to instructions from the main control section 60.

Therefore, this automatic transaction device is provided with a CIP 1 and a passbook printer 2 as a media handling section, a banknote counting machine 3 as a dispensing section, an envelope depositing machine 4 as a depositing section, an operation panel 5 as an operating section, and a card processing section. It is configured to perform withdrawals (payouts and transfers), deposits (cash deposits, check deposits), passbook entries, etc. using CDs or passbook PB as transaction media.

FIG. 3 is a flowchart of automatic transaction processing using a passbook in such an automatic transaction device.

When the passbook PB is inserted into the passbook printer 2,
The passbook PB is transported to a reading position by the passbook printer 2, the contents of the magnetic stripe of the passbook are read, and sent to the main control section 60 via the passbook control section 62, where the read contents are checked.

Next, the customer inputs his/her password according to the instructions on the operation panel 5, and the input password is given to the main control section 60 via the operation control section 65, and the password is sent to the main control section 60.
The password is verified against the password recorded on the magnetic stripe of the PB.

Furthermore, the customer inputs the transaction type and transaction amount in accordance with the instructions on the operation panel 5, and these are similarly sent to the main control section 60 via the operation control section 65.

The main control unit 60 creates a transmission message for transaction approval, transmits the transmission message to the host computer via the line control unit 67, and receives a received message from the host computer via the line control unit 67.

When the main control unit 60 analyzes the received message and determines that the transaction is approved, it operates the banknote counter 3 or the envelope deposit machine 4 via the withdrawal control unit 63 or the deposit control unit 64 in order to execute the transaction desired by the customer. to perform a withdrawal operation or a deposit operation.

Furthermore, the main control unit 60 uses the passbook printer 2 to print and print data on the passbook via the passbook control unit 62.
Update the PB's magnetic stripe MS.

Then, the main control unit 60 causes the passbook printer 2 to release the passbook PB via the passbook control unit 62,
End transactions using passbook PB.

(b) Explanation of the structure of the passbook processing device FIG. 4 is a block diagram of a passbook processing device according to an embodiment of the present invention, showing details of the passbook printer 2 and the passbook control section 62 shown in FIG. 2.

In the figure, the same parts as those shown in Figure 2 are indicated by the same symbols, and 20 is a passbook insertion/ejection port, into which the passbook PB is inserted from the outside in an open state, and the passbook PB is inserted into the open state from the outside. for emitting, 2
1 is a magnetic head that reads and writes the magnetic stripe MS of the passbook PB; 22 is a passbook transport unit that transports the passbook and also reads/writes the magnetic stripe MS;
23 is an automatic page turning unit that automatically turns the pages of the passbook PB, 24 is a printing unit,
25 is a writing control unit that prints on the PB page, and controls the writing of the magnetic head 21 to print the passbook.
26 is a write buffer that writes to a desired track of the magnetic stripe MS of the PB;
27 is a read control unit which stores the write data from the passbook control unit 62 and provides it to the write control unit 25, which controls the reading of the magnetic head 21 and outputs the data to the passbook PB.
A device that reads magnetic stripe MS data, 2
Reference numeral 8 denotes a reading buffer, which stores read data, and 29 a check circuit, which checks whether the reading is normal or abnormal based on the contents of the reading buffer 28, and notifies the passbook control unit 62 of the normality or abnormality of the reading. .

FIG. 5 is an explanatory diagram of bankbook positioning according to the configuration shown in FIG. 4.

The passbook transport unit 22 is provided with a first sensor S1 and a second sensor S2 that detect the edge of the passbook so that positioning at multiple reading/writing positions can be performed. To position the common track CRT on the magnetic head 21, a first sensor S1 is used as shown in FIG. 5A, and to position the other track RT of the magnetic stripe MS on the magnetic head 21, as shown in FIG. 5B. A second sensor S2 is used.

Therefore, the magnetic head 21 can handle the common track CRT of the magnetic stripe MS of the passbook PB and other tracks.
Can read/write to both RTs.

(C) Explanation of passbook processing operation FIG. 6 is a flowchart of a passbook reading process according to an embodiment of the present invention, showing the details of the passbook MS reading of FIG. It shows the flow.

The inserted bankbook PB is first positioned at the common track position (referred to as a new position) in FIG. 5A by the bankbook transport section 22, and the magnetic head 21 reads the new position of the magnetic stripe MS of the bankbook PB.
The read contents are stored in a read buffer 28 via a read control section 27, and a check circuit 29 checks the normality of the read. Check circuit 29
Then, for example, it is checked whether there is a predetermined bit length, and it is determined whether reading has failed or is normal.

If the reading is normal, the contents of the read buffer 28 are sent to the passbook processing unit 62, and the passbook processing unit 62 checks the start code, end code, and data length of the content to check whether the data content at the new position is correct.

If the data content of the new position is incorrect, check whether reading has been retried a specified number of times, and if it is within the specified number of times, proceed to reading another track position (old position) in the step. If the reading has exceeded the specified number of times, It is determined that it is unreadable, and the transport unit 2
2, the passbook PB is transported to the insertion/discharge port 20 and returned.

If the data content at the new position is correct in step, the passbook control unit 62 sends the read data to the main control unit 60 and stores it in the buffer 66b of the memory 66.
be stored in The main control unit 60 checks the validity of the transaction based on this read data. For example, check to see if it is on the bad account list or issued by a usable bank, and if it is invalid, return the passbook PB as in the step.

On the other hand, if the main control unit 60 determines that the transaction is valid based on the read data, it sets a new position flag in the instruction register 66a to indicate that the magnetic stripe MS has been read from a new position, and ends the reading operation.

On the other hand, if it is determined in step that reading has failed at the new position, the passbook control unit 62 moves the passbook PB to the passbook PB by the passbook transport unit 22 in order to read at the old position.
to the old position shown in FIG. 5B.

The magnetic head 21 is the magnetic stripe of the passbook PB.
Read old position of MS. The read contents are stored in a read buffer 28 via a read control section 27, and a check circuit 29 checks the normality of the read. The check circuit 29 checks whether there is a predetermined bit length, for example, and determines whether reading has failed or is normal.

If the reading fails, check the number of reading retries as in the step, and if it is within the specified number of times, return to the step to read again at the new position.
If the specified number of times has been exceeded, the passbook PB will be returned in the same way as the step.

On the other hand, if the reading is normal, the reading buffer is 28.
The content of is sent to the passbook control unit 62, and the content is sent to the passbook control unit 6.
In step 2, the start code, end code, and data length of the content are checked to see if the data content at the old position is correct.

If the data content at the old position is not correct, check whether the reading has been retried a specified number of times, and if it is within the specified number of times, proceed to read the new position of the step again. If the data has exceeded the specified number of times, it is determined that reading is not possible. The passbook PB is transported to the insertion/discharge port 20 by the transport section 22 and returned.

If the data content at the old position is correct in step, the passbook control unit 62 sends the read data to the main control unit 60 and stores it in the buffer 66b of the memory 66.
be stored in The main control unit 60 checks the validity of the transaction based on this read data. For example, check to see if it is on the bad account list or issued by a usable bank, and if it is invalid, return the passbook PB as in the step.

On the other hand, if the main control unit 60 determines that the transaction is valid based on the read data, it determines whether the magnetic stripe MS is located at the new position. If the reading is normal at the old position but the reading fails at the new position, it is a passbook PB that does not have a magnetic stripe MS at the new position.
That is, if the width of the magnetic stripe MS is the same as that of a bankbook, and the reading was normal at the new position, but the data content is abnormal in steps, it is determined that the magnetic stripe MS is at the new position.

When determining that there is a magnetic stripe MS at the new position, the main control unit 60 converts the data of the old position of the buffer 66b to the new format of the new position,
It is stored in the buffer 66b.

Furthermore, the main control section 60 provides erase data to the write buffer 26 via the passbook control section 62, erases the data at the old position of the magnetic stripe MS from the magnetic head 21 via the write control section 25,
Proceed to step.

On the other hand, if it is determined that there is no magnetic stripe MS at the new position, writing to the new position (common position) is not possible because the passbook PB cannot be used for writing to the new position (common position).

Therefore, only conversion to the new format is performed.

That is, the main control unit 60 checks whether the data read in step 2 is in the new format or the old format, and if it is in the old format, converts the data to the new format and stores it as write data in the buffer 66b. and turn on the old position new format flag of the register 66a.

Conversely, if it is a new format, turn on the old position new format flag in register 66a,
Finish the read operation.

After the reading operation is completed in this way, the transaction is processed as shown in FIG.
Determine whether it is the old location or the new location, and if it is the old location, passbook
The PB is positioned at the old position as shown in FIG. 5B, the write data in the buffer 66b is given to the write buffer 26, and the magnetic head 21 updates and writes the old position of the magnetic stripe MS. If it is a new position, the bankbook PB is positioned at the new position as shown in FIG. 5A, the write data in the buffer 66b is given to the write buffer 26, and the new position of the magnetic stripe MS is updated and written by the magnetic head 21.

In this way, the magnetic stripe of the passbook PB
Determine whether data has been written to the new position (common track) of the MS. If not, read at the old position, and if the magnetic stripe MS is at the new position, read the data at the old position. Change to new format and write to new location.

Therefore, for a passbook PB that can be written on the common track of the magnetic stripe MS, the data is written on the common track and the passbook PB is returned.

Therefore, the PB can be used in a passbook processing device that can read the common track.

Also, unless the data is valid, writing to the common track will not be done, so writing to the common track will only be done for valid passbooks.
Enables the use of devices from other banks.

Moreover, in this embodiment, since such rewriting is executed during the automatic transaction operation, the user does not have to go to the issuer for rewriting, and can use the automatic transaction device to create a passbook that can be affiliated with other banks. can be obtained.

(d) Description of other embodiments In the embodiment described above, as long as the data in the magnetic stripe MS is valid, it is rewritten to a common track. When it is not necessary, such rewriting may not be performed, and rewriting by a person other than the person himself/herself may be prevented.

Further, although an example in which the present invention is applied to an automatic transaction device has been described, the present invention can also be applied to other financial terminal devices.

Although the present invention has been described above with reference to examples, the present invention can be modified in various ways according to the gist of the present invention.
These are not excluded from the present invention.

〔Effect of the invention〕

As explained above, according to the present invention, the following effects are achieved.

Since a common track and other tracks are provided on the magnetic stripe of a passbook, and data is automatically rewritten to the common track, the passbook can be used with any passbook processing device that can read the common track, and this makes it possible to use the passbook in conjunction with other banks. It will also be possible to use already issued passbooks.

This eliminates the hassle of issuing a new passbook due to tie-ups with other banks.

[Brief explanation of drawings]

Fig. 1 is a diagram explaining the principle of the present invention, Fig. 2 is a configuration diagram of an automatic transaction device according to an embodiment of the present invention, Fig. 3 is an automatic transaction processing flow diagram in the configuration shown in Fig. 2, and Fig. 4 is an example of an embodiment of the present invention. FIG. 5 is an explanatory diagram of the passbook positioning of the configuration shown in FIG. 4, FIG. 6 is a flowchart of the passbook reading process according to an embodiment of the present invention, and FIG. 7 is an explanatory diagram of the prior art. . In the diagram, PB...passbook, MS...magnetic stripe,
CRT...Common track, 2...Passbook printer,
21...Magnetic head, 62...Passbook control unit.

Claims (1)

[Scope of Claims] 1. A passbook processing device having a magnetic head that reads and writes the magnetic stripe of an accepted passbook, and a control unit that checks the read output of the magnetic head, wherein a common track is attached to the magnetic stripe of the passbook. and another track, the control unit causes the magnetic head to read a common track of the magnetic stripe, determines from the read content whether data written to the common track exists, and reads the common track. A passbook characterized in that the magnetic head reads data on the other track because no data is written on the common track, and the magnetic head writes data in accordance with the read data on the other track on the common track. Treatment device.