JPH10207993A - Ic card and card processing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an IC card which fulfills a function equivalent to embossment regardless of the absence of embossment on the surface of a card by storing readably image data of embossment in an IC. SOLUTION: First, a transaction selection picture is displayed on a display part 8; and when input of a desired transaction to an input part 9 is detected, display for instructing insertion of a card is performed. When a card is inserted, a magnetic stripe read part 11 reads the magnetic stripe of this card to discriminate whether the inserted card is an IC card or a magnetic card. If it is an IC card as the result of discrimination, an IC read part 12 reads the inside of the IC card through a contact of the IC card to acquired image data of embossment stored in an IC card storage part of the IC card. An ATM (automatic transaction machine) performs the transaction requested by a user, and a printing part 15 prints acquired image data of embossment on a journal after the end of the transaction.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an IC card used for transactions of financial institutions and the like and a card processing method at the time of transactions.

[0002]

2. Description of the Related Art When a cash transaction is performed at a financial institution such as a bank using an automatic cash transaction apparatus (hereinafter referred to as ATM), a user uses a bank card to make a transaction. On the surface of this bank card, there is an emboss indicating the bank account number, name and the like. The ATM reads the emboss on the surface of the bank card, and leaves the emboss as a transaction record (journal) together with the transaction contents by printing or electronic recording.

[0003] Japanese Patent Application Laid-Open No. 4-205256 discloses an IC.
It is disclosed that instead of embossing the card, a sign or the like of the card user is displayed on the surface of the card, and image information such as the sign is stored on the card.

In Japanese Patent Application Laid-Open No. 63-263568, image data such as signature information of a customer is stored in a laser card instead of emboss data.
A method is disclosed in which, when a transaction is executed, contents stored in a laser card are read out and processed.

[0005]

An example of the above-mentioned conventional IC card or laser card is to store signature information or the like on a card for personal identification (identification). However, at present, embossing is performed as a transaction record in ATM operations, and cards having no embossed surface, such as the above-mentioned IC card and laser card, cannot cope with this operation. The same can be said not only for use in ATMs, but also for personal authentication such as when using a credit card in a store or entering a facility that is not limited to financial transactions.

A first object of the present invention is to provide an IC card and an IC card which perform the same function without embossing on the card surface.
An object of the present invention is to provide a C card processing method.

A second object of the present invention is to provide a magnetic card, an IC,
An object of the present invention is to provide a card processing method capable of acquiring a record using any of the cards using emboss information.

[0008]

In order to achieve the first object, in an IC card having a built-in IC, embossed image data is readably stored in the IC. Further, embossed image data is read from the inserted IC card, and the read image data is stored and left in the apparatus as a record of the use of the IC card.

In order to achieve the second object, in a card processing method for reading and processing information stored in a card, the type of the card is determined, and as a result of the determination, the card is used as an IC card. In this case, the emboss image data stored in the IC card is read out. If the card is a magnetic card, the emboss on the surface of the magnetic card is read, and processing is performed using the emboss information. Things.

[0010]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is an external view of an IC card according to an embodiment of the present invention. In this embodiment, an example of a contact type IC card will be described. On the surface of the IC card 1, an emboss 2 representing an account number, a name, and the like for identifying a customer is formed. An IC 3 is built in the IC card, and a magnetic stripe 4 for storing customer information and transaction information is attached to the back surface. In the IC card of FIG.
The embossing 2 on the front surface of the card and the magnetic stripe 4 on the back surface of the card may or may not be present.

FIG. 2 shows a configuration diagram of an IC in the IC card of FIG. The IC 3 includes a contact 3a, an IC card processing unit 5, and an IC card storage unit 6. The IC card storage unit 6 stores card information, image data of the emboss 2, and the like. The IC card processing unit 5 is connected to the contact 3a on the surface of the IC card 1 and the IC card storage unit 6, exchanges with the outside of the IC card and reads out emboss image data, reads out customer information and transaction information,
Performs transaction processing, etc.

FIG. 3 shows a conventional magnetic card and the IC shown in FIG.
FIG. 1 is a configuration diagram of an ATM that performs a transaction using a card. AT
M100 is an ATM control unit 7, a display unit 8, an input unit 9, an insertion unit 10, a magnetic stripe reading unit 11, an IC reading unit 12, an emboss reading unit 13, and an ATM storage unit 1.
4, a transmission / reception unit 15 and a printing unit 16. The control unit 7 for controlling the whole is connected to each unit. AT
M100 displays operation guidance such as transaction selection on the display unit 8 for the user, and the user inputs a desired transaction and an amount from the input unit 9 according to the guidance. When a desired transaction is input to the input unit 9, the card is inserted into the insertion unit 10. When the insertion unit 10 detects that the card has been inserted, the insertion unit 10 sends detection information to the control unit 7, and the control unit 7
The transport unit (not shown) controls the transport of the card to the magnetic stripe reading unit 11. The magnetic stripe reading unit 11 reads the magnetic stripe 4 of the card, and determines the type of the card from information indicating the type of the card in the magnetic stripe. As a result of the determination, if the card inserted into the insertion unit 10 is an IC card, the IC reading unit 12
The emboss image data and other information for a transaction are read from the card storage unit 6. When the card inserted into the insertion unit 10 is a magnetic card, the emboss reading unit 13 optically reads the emboss on the surface of the magnetic card, for example. Then, the emboss information read by the IC reading unit 12 or the emboss reading unit 13 is stored in the storage unit 14 of the ATM 100 as a transaction record. Transceiver 15
Transmits a user's transaction request or the like to a higher-level device or receives a response from the higher-level device. The printing unit 16 prints the contents of the processing performed by the ATM on a journal, prints a slip, and prints on a passbook.

FIG. 4 shows a transaction process in the ATM shown in FIG. 3, and particularly shows a flow chart of a journal printing process in detail. First, a transaction selection screen is displayed on the display unit 8 (2
1). When it is detected that a desired transaction has been input to the input unit 9 (22), a display for instructing insertion of a card is performed (2).
3). When the card is inserted, the magnetic stripe reading unit 11 reads the magnetic stripe of the card, and
It is determined whether the inserted card is an IC card or a magnetic card (24). As a result of the determination, in the case of an IC card,
The reading unit 12 reads the inside of the IC card from the contact 3a of the IC card shown in FIG. 1 (25), and acquires emboss image data stored in the IC card storage unit 6 in the IC card (26). And ATM100
Performs the user's request transaction (27). After the transaction, the printing unit 15 prints the acquired emboss image data on the journal (28). If the result of determination in step 24 is a magnetic card, the emboss reading unit 1
2 reads the emboss on the magnetic card surface (29) and acquires the emboss information (30). The journal may be recorded electronically on a magnetic disk or the like instead of printing.

The emboss image data stored in the IC card storage unit 6 of the IC 3 is, when an emboss is formed on the surface of the IC card 1, optically reading the emboss itself on the surface and storing it in the storage unit 6. Remember. Also I
In the case of an IC card having no emboss formed on the surface of the C card 1, virtual emboss image data is stored.

In this embodiment, the ATM is provided with one insertion portion 10, but the insertion portion for the magnetic card and the IC
A card insertion section may be provided separately. In that case, the magnetic stripe reading unit 11 for identifying the card
Is not necessary, and the card can be determined by detecting which insertion section the card is inserted into. Further, when there is only one insertion section and the IC card does not have the magnetic stripe 4, the type of the inserted card is determined, and the IC reading section 12 controls reading of the stored contents of the IC from the contact points of the card. Do with. That is, the IC reading unit 1
When 2 can be read, the card is determined to be an IC card, and the processing of the IC card is continued. When the IC reading unit 12 cannot read, the card may be determined to be a magnetic card, and the processing of the magnetic card may be performed.

In this embodiment, a contact type IC card has been described as an example, but this may be a non-contact type IC card. In that case, IC3 of IC card 1
There is no contact 3a described in the present embodiment, and
There is a transmitting and receiving unit for exchanging information with M. AT
There is no IC reading unit on the M side, but instead there is a transmitting / receiving unit for exchanging information with the IC card. Also, I
When the emboss is formed on the surface of the C card,
It can also be read and used optically.

[0018]

According to the present invention, it is possible to obtain an IC card which performs the same function even if the card is not embossed. In addition, a card processing method that can obtain a transaction record using the emboss information can be obtained for a transaction using either a magnetic card or an IC card.

[Brief description of the drawings]

FIG. 1 is an external view of an IC card according to an embodiment of the present invention.

FIG. 2 is a configuration diagram of an IC in the IC card of FIG. 1;

FIG. 3 is a configuration diagram of an automatic cash transaction apparatus according to an embodiment of the present invention.

FIG. 4 is a flowchart of a process of the automatic teller machine of FIG. 3, particularly a flowchart showing a journal printing process.

[Explanation of symbols]

1: IC card, 2: emboss, 3: IC, 3a: contact, 4: magnetic stripe, 5: IC card processing unit, 6:
IC card storage unit, 7: ATM control unit, 8: display unit,
9: input unit, 10: insertion unit, 11: magnetic stripe reading unit, 12: IC reading unit, 13: emboss reading unit, 14: ATM storage unit, 15: transmission / reception unit, 16: printing unit, 100: ATM

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁶ Identification code FI G07F 7/08 G06F 15/30 H G07F 7/08 Z

Claims (3)

[Claims] 1. An IC card having an IC built therein, wherein embossed image data is stored in the IC in a readable manner. 2. A card processing method in which an IC card having embossed image data stored in a built-in IC is inserted into a device to perform processing, the embossed image data is read from the inserted IC card, A card processing method, wherein the read image data is recorded and left in the apparatus as a record of use. 3. A card processing method for reading and processing information stored in a card, wherein the type of the card is determined, and as a result of the determination, if the card is an IC card, the card is stored in the IC card. A card processing method for reading out the embossed image data, and when the card is a magnetic card, reading the emboss on the surface of the magnetic card and performing processing using the emboss information.