JPS60220461A - Automatic transaction device using magnetic card - Google Patents

Abstract

PURPOSE:To deal with plural kinds of magnetic cards by providing a treatable card selecting device that compares track information made valid with identification information of a card information storing device and judges the conformity of the two information. CONSTITUTION:When it is confirmed that there is valid track information in a magnetic card, the track information is compared with a card information table stored in a card information registering section 53 of a controlling section 50, and judged whether it is treatable or not. Track information judged as valid, a password number key inputted from an operation display section 10 and information concerning the content of desired transaction are transmitted electrically to a central managing center through a connecting section 60. After judging the validity of received telegram the managing center makes necessary processes and sends back the result. The propriety of the reply telegram of an automatic cash paying machine is judged, and when judged as no abnormality, printing and releasing of necessary detailed account and paying of cash are made after making counting and totalization of notes.

Description

[Detailed Description of the Invention] [Field of Application of the Invention] The present invention relates to an automatic transaction device using a magnetic card, and more particularly to a transaction device that is capable of handling multiple types of magnetic cards with different magnetic stripe storage formats. be.

[Background of the invention]

For example, in the case of automatic teller machines, magnetic cards used here have been uniquely standardized in terms of magnetic storage location, storage format, and content according to unified banking standards. This could easily be achieved just by matching codes.

However, in recent years, with the spread of cash advance services by distribution institutions centered on credit companies and credit companies,
There is a growing trend to adopt magnetic envelopes and cards that comply with international standards. Equipment must be provided separately.

In addition, magnetic cards are issued for a number of purposes, such as company cards for purchasing food tickets, barn cards for credit information inquiries, and shopping cards for department stores. Since the storage formats are different, there is a need for automatic transaction devices that are compatible with each type of magnetic card.

Under these circumstances, we decided to mutually join other companies.

Alternatively, when mutually transferring different types of cards, an automatic transaction device that can handle multiple types of magnetic cards has been desired.

[Purpose of the invention]

Therefore, the present invention provides an automatic transaction device that can handle multiple types of magnetic cards with different storage formats.

[Summary of the invention]

That is, the present invention provides a reading means for reading a plurality of track information of a magnetic card, a validity determining means for determining the validity of the track information read by the reading means, and a magnetic card according to the type of magnetic card that can be handled. card information storage means for storing identification information of the card information storage means; and a handleable card selection means for comparing the track information determined to be valid by the validity determination means with the identification information of the card information storage means to determine the consistency of the image information. The present invention provides an automatic transaction device using magnetic cards that can handle a plurality of types of magnetic cards.

[Embodiments of the invention]

One embodiment of the present invention will be described below. Although the present invention is not particularly limited, the following description will continue by taking an example of an automatic teller machine installed in a bank or other place. Figure 1 shows the configuration of an automated teller machine.
and a block diagram showing the flow of control signals. That is, the automatic cash dispensing device includes an operation display section 10 consisting of a display section for displaying operating instructions or other messages, and a keyboard section for inputting transaction types, amounts, etc. a card reading unit 20 as a reading means for reading the information that is displayed;
a slip issuing unit 30 that issues a slip in which transaction details are entered;
A banknote payout unit/10 that dispenses banknotes of denominations and amounts according to transaction details; a control unit 5o that controls each of these components; and a connection unit that sends and receives necessary information to and from the central management center. It consists of 60 pieces. The control section 50 includes an input control section 51 that receives input data 10b from the operation display section 10 and input data 2ob from the card reading section 20, and an input control section 51 that receives input data 10b from the operation display section 10 and input data 2ob from the card reading section 20, and an input control section 51 that receives input data 10b from the operation display section 10 and input data 2ob from the card reading section 20. , output data 10a and 2 for operating the slip issuing section 30 and bill paying section 40, respectively.
0a, 30a, 40a, a card information registration section 52 as a card information storage means for storing card information of usable magnetic cards, and input/output control sections 51, 54. Card information registration unit 52 The card information registration unit 52 is composed of a processing control unit 52 that controls overall processing such as information exchange with a central management center via a connection unit 60 according to control procedures stored in advance in the main memory 55.

Continuing the explanation in detail, the card reading section 20 of the embodiment is capable of simultaneously reading track information of one track of the magnetic stripe on the front side of the magnetic card 700 and three tracks of the magnetic stripe on the back side, as shown in FIG. Reading heads 201 and 202 are arranged on either side of the guideway 71. The magnetic head 202, particularly placed on the back side of the magnetic heads placed opposite to each other, is composed of a composite head with six gaps arranged in a straight line in order to simultaneously read six tracks on the back side 70b of the magnetic card 70. 205 and 206 are drive tension rollers and drive rollers for conveying the magnetic card 70. Tension roller 2 for this drive
05 and drive rollers 206 are provided in plural numbers with the guideway 71 interposed therebetween as necessary. Further, the magnetic heads 201 and 202 are attached via appropriate support mechanisms.

Next, FIG. 3 is a diagram showing the relationship between the card information table stored in advance in the card information registration section 53 and various magnetic cards, and (a) shows the contents of the card information table;
b) is a magnetic card 70 from company A that uses one track on the front side.
A diagram showing the storage format of A, (C) is also the front side 1
Figures illustrating the storage format of the magnetic card 70B of company B that uses a track, (d) and (e) respectively show two types of magnetic cards 70 of company B that use the second track on the back.
It is a figure which shows the storage format of 0.70D. In the figure (
b), (cJ, (a).

In (e), the arrow indicates the magnetic information recording direction (the direction in which the magnetic card 70 is inserted), STX is the start column of each track information, ]1ltTX is the end column of each track information, and Boo is the end column from the start column STX. Column ETX
0 is a column for storing check information provided to confirm whether or not the track information has been read correctly up to 0. In addition, the numbers in the figure indicate the number of columns in which the track information is allocated. Such various magnetic cards 70A.

Identification information for identifying 70B and 700.7'OD is created in advance as a card information table as shown in (a) in the figure. That is, the first column of this card information table indicates the track division in which the identification information is received. For example, 1 is the front track, 2 is the first track on the back, 4 is the second track on the back, and 8 is the back. The third track of each track is shown in FIG. The third and fourth columns respectively indicate the start column in which individual information such as a company code or transaction group code included in the track information is stored, and the storage size of the individual information in column numbers. The fifth column shows the state in which individual information such as the company code or transaction group code with which the company has an actual transaction relationship (can be handled) is recorded. In addition, the card classification in the second column is provided to manage payments in automatic teller machines, such as the number of payments and the payment amount. This corresponds to an employee card. That is, the first line of this card information table indicates the storage column of track number 1 identification information for identifying the magnetic card 70A, the information size of the individual information, and the identification information consisting of the individual information. The third line indicates the magnetic card 7[11B, the third line indicates the magnetic card 700, and the fourth line indicates identification information for identifying the magnetic card 70D.

Further, information regarding columns storing information for each personal identification number, information regarding columns storing information regarding the owner of a magnetic card, etc. can be added to this card information table as needed.

Next, the operation of the automatic cash dispensing device configured as described above will be explained in the fourth section.
This will be explained using diagrams. First, before starting customer transactions,
The processing control unit 52 reads out an initialization program 55a stored in advance in the main memory 55 via the data bus 59, which will not be explained in detail, and sends a message indicating that initialization is to be performed via the connection unit 60 according to the initialization program 55a. Send to the management center. Then, the management center returns a response message containing the identification information of the various magnetic cards that are registered as available at that time.

Therefore, the processing control section 52 takes in the reply message from the management center via the connection section 60, decodes or re-edits it, and stores it in the card information registration section 53 as a card information table. When this card information table import operation is completed, the automatic cash dispensing device can perform customer transactions.

Next, the processing control unit 52 reads out the main program 55b for customer transactions and enters a standby state.

When the card reading 520vC magnetic card 70 is inserted in this state, a card detector (not shown) detects this and sends a signal for starting a transaction to the processing control unit 52 via the input control unit 51 as input data 20b. Send to. Then, the processing control section 52 follows the main program 55b sequentially read from the main memory 55, and transmits output data 20a for reading track information of the magnetic card 70 to the card reading section 20, following the output control section 54. When the drive roller 206 is driven by this output data 20aK, the magnetic card 70 is swallowed along the guideway 71. The four sets of track information of the four magnetic stripes read by the two magnetic heads 201 and 202 by the movement of the magnetic card 70 are subjected to signal processing and then sent to the input control unit 51 as input data 20'b. The data is temporarily stored in a work area 55c provided in the main memory 55 via the. The process of reading information on each track of the magnetic card 70 is shown in step 301 in FIG.

Next, the processing control unit 52 controls the work area 5 in step 302.
Each track information stored in 5a is sequentially read out one track at a time, and the validity of the track information is determined. This is the track information from start column STX to end column KT.
Column Bec that stores information up to X and check information
This is done by a conventionally known method based on the situation. As a result of checking this track information, if it is determined that all four sets of track information cannot be used, in step 303, the output signal 10a is sent to the operation display unit 10 through the output control unit 54, and the inserted magnetic While displaying guidance that the card 70 cannot be used, the output signal 20a is sent to the card reading section 20, and the drive roller 2
Reverse 06 and return magnetic canidor 0. If it is confirmed that the magnetic card 7o has been received by the operator f, the process of step 303 is completed, and the series of processes is completed. Further, if it is confirmed in step 302 that there is valid track information, this valid track information is further compared with the card information table stored in the card information registration section 53 in step 04 to determine whether it is usable. Determine if there is. Specifically, the processing control unit 52 determines the track classification of the track information determined to be valid according to the card information table, reads out the storage column and storage size in which the individual information is included from this track classification, and reads out the storage column and storage size that have been read out. The information corresponding to the above is cut out from the track information previously determined to be valid as individual information, and this cut out information is used as a comparison target for the individual information. In this way, according to the three conditions of the card information table's track classification, storage column, and storage size, track information that is considered valid is extracted one after another, and the extracted information is regarded as individual information and sequentially compared with the individual information in the card information table. We will then determine whether it can be handled. Step 304 like this
For magnetic cards that are not determined to be removable despite the series of comparison/inquiry operations at step 306, the processing from step 306 onward described above is performed, and the series of processing is completed. The track information validated in step 302 matches the individual ζ information in the card information table in step 304,
If it is determined that it can be handled, proceed to the next step 30.
At step 5, a command for displaying guidance to input the password is output to the operation display section 10 through the output control section 54.

The processing after the guidance prompting to enter the password in step 305 is similar to the operation of conventional automatic teller machines, so only a summary of the processing after this will be described. That is, steps 305, 30
6,307, based on the guidance display, the validity of this key input information is entered after inputting the personal identification number, whether or not you wish to withdraw cash or inquire about the balance, and in the case of cash withdrawal, repayment terms, etc. This process repeats the above determination, and finally confirms the details of the transaction entered manually. If it is determined in step 307 that the key human input information is invalid, or if an instruction is given to cancel the transaction when confirming the details of the transaction, the process from step 308 onwards will be performed and the input operation will be performed again. A guidance requesting the request is displayed and the magnetic card 70 is returned.

If the key human power for transaction confirmation is confirmed in step 307, the processing control unit 52 performs the processing from step 309 onwards. That is, in step 309, guidance to the effect that the planning process is in progress is displayed, and the track information read out by the card reading unit 20 and determined to be valid, the password entered manually from the operation display unit 10, and the desired password are displayed. After the information regarding the transaction details or, if necessary, the contents of the card information table corresponding to the inquiry operation of the magnetic card 7°, is edited as a transmission message, it is transmitted via the connection unit 60 to the central control center. .

After determining the validity of the received message, the management center performs necessary processing such as determining the validity of the PIN and magnetic card, and checking the balance, compiles the results as a reply message, and sends this reply message back.

The automated teller machine side receives this reply message via the connection unit 60, and first determines the validity of the reply message in step 310. As a result, if it is determined that there is something wrong with the reply message, in step 311, guidance is displayed to the effect that the subsequent processing will be handed over to a staff member, and the processing ends. If the reply message is determined to be legitimate, the process proceeds to step 312. 313. The process of 314 is executed based on the content of the reply message. That is, step 31
If there is a command to print the slip in step 2, print it,
In step 313, various guidance is displayed, and in step 314, the magnetic card 70 is returned, necessary statement slips are printed and released, and if cash is paid out, banknotes are counted and totaled. , perform the emission of this. Then, in step 615, the magnetic card 70. Once receipt of statement, cash, etc. is confirmed, proceed to the next step 31.
After confirming in step 6 whether the next transaction can be carried out consecutively, the series of processing operations ends. Step 315
, 316, if any abnormality is found, the processes from step 311 described above are executed.

Now, in the above-described embodiment, information on the total number of magnetic cards that can be handled was read from the central control center and a card information table was created during depressurization to perform the initial settings of the automated teller machine. You are free to do it whenever you want or when you need it, and you can also use the newly available magnetic force, magnetic cards that can no longer be handled, or the identification information of magnetic cards whose track information has been changed. It is also possible to receive the information from the center and re-edit the card information table. By adopting such a method, it is possible to shorten the communication time with the central management center.

Furthermore, information regarding the addition, deletion, and modification of magnetic cards can also be received in the form of a written response from the center when making various arrangements with the center. Of course, such card information can also be provided on a data tape or other storage medium rather than via a central communication line.

In addition, in FIG. 2, magnetic heads 201.
Although an example has been shown in which the magnetic card 7o is passed between the magnetic heads 202 and the track information on both sides of the card is read, it is also possible to separate the magnetic heads 201 and 202 as shown in FIG. In this case, 205 and 204 are magnetic head tension rollers for bringing the magnetic card 7o into close contact with the respective magnetic heads 20j and 202. Specifically, in the embodiment, a composite head is used to read the track information on the back surface 70b of the magnetic card 7o, but this is used to determine the relative position of the guideway 71 of the magnetic card 7o and the magnetic head 202 in units of the width of each magnetic stripe. It is configured to be movable, and the magnetic card 7° is connected to the magnetic head 2o2Il? On the other hand, by configuring the drive mechanism so that the magnetic head passes multiple times, it becomes possible to read information on multiple tracks even with a magnetic head having a single configuration.

Furthermore, in the embodiment, the card information table that stores the track information of the magnetic card has a sequential file structure, but this can be changed to an indexed sequential file structure in which track divisions or storage columns are used as indexes, if necessary. It is also possible to take other file configurations.

In addition, although the example shows an example in which a magnetic card can be identified using only one piece of track information, there may be cases where a magnetic card can only be identified by combining multiple pieces of track information. In this case, it is necessary to add in advance table information to the card information table to the effect that other track information must also be referred to.

Further, in the embodiments, the explanation was limited to an automatic cash dispensing device, but the present invention is not limited to this.
It depends on whether it is applied to an automatic transaction device g that uses various credit cards or shopping cards.

〔Effect of the invention〕

As is clear from the above description, the automatic transaction device using a magnetic card of the present invention includes a reading means for reading a plurality of track information of a magnetic card, and a validity determining device for determining the validity of the track information read by the reading means. A card information storage means stores identification information of the magnetic card according to the type of magnetic card that can be handled, and the track information determined to be valid by the validity determination means is compared with the identification information of the card information storage means. By providing a handleable card selection means for determining consistency of image information, it is possible to handle a plurality of types of magnetic cards.

[Brief explanation of the drawing]

FIG. 1 is a block diagram for explaining the outline of a device according to an embodiment of the present invention, FIG. 2 is a schematic diagram for explaining the structure of the embodiment device, particularly the card slot, and FIG. A schematic diagram for explaining the structure of the card information table and the structure of the storage format of the magnetic card, FIG. 4 is a flowchart for explaining the operation of the embodiment device, and FIG. 5 is the structure of another embodiment of the card reading section. It is a schematic diagram for explaining. 20... Reading means, 53... Card information storage means, 70... Magnetic card, 302... Validity determining means, 304... Acceptable card selection means method 2
Figure 1, Figure S

Claims (1)

[Claims] 1. A reading means for reading a plurality of track information of a magnetic card, a validity determining means for determining the validity of the track information read by the reading means, and a method according to the type of magnetic card that can be handled. card information storage means for storing identification information of the magnetic card; and track information validated by the validity determination means to compare the track information with the identification information of the card information storage means to determine whether the image information matches or does not match. An automatic transaction device using a magnetic card, comprising a card selection means. 2. Claim 1 is characterized in that the card information storage means is provided for storing identification information consisting of a storage column of information for each track number of a magnetic card or an information size of individual information. An automatic transaction device using a magnetic card.