JPS61190685A - Optical card processing system - Google Patents

Abstract

PURPOSE:To solve problems in on-line processing and off-line processing by obtaining information stored in a central processing unit basing on information of the second information recording section. CONSTITUTION:Information read by a reading writing device 21 is sent to an error detecting and correcting device 22. After detection and correction of errors of codes are made, the information is sent to a terminal processing device 23 that controls the whole terminal equipment 20. At this time, information as to whether there are uncorrectable errors is also sent to the device 23. A key inputting device 24 is for inputting of secret code number and designation of a sum to be drawn out, and signals from the device 24 are sent to the device 23. A display unit 25 is for displaying various instructions to users and a sum etc. according to signals sent from the device 23. A cash handling device 26 is for putting out cash of designated amount to a specified cash outlet according to signals sent from the device 23.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an optical card processing system for processing information on an optical card.

[Summary of the invention]

An optical card processing system according to the present invention includes an optical card, a reading means for the optical card, a terminal processing device for processing information from the reading means, and a communication means connected to the terminal processing device. , a central processing unit communicably connected to the terminal processing unit by the communication means, and only when an uncorrectable error occurs in the information read from the optical card, the terminal processing unit and the central processing unit Information is exchanged between processing devices.

[Conventional technology]

2. Description of the Related Art Conventionally, magnetic cards having a magnetic stripe on which information is written have generally been used as cash cards, credit cards, or so-called ID cards. For example, in the case of a bank cash card, information such as a registration number and a personal identification number is written on the magnetic stripe. On the other hand, in a central processing unit (so-called host computer) of a bank or the like, for example, when the above-mentioned cash card is issued, information on the deposit balance is stored together with the above-mentioned registration number and password information. When using a terminal such as an automatic teller machine, the user usually inputs a password stored in the central processing unit connected to the terminal via a communication line. It is determined whether or not the user is an authorized card holder by comparing the information with the information of the card holder. The reason why this so-called online processing is performed is to prevent the card from being used illegally due to forgery, modification, etc.

[Problem that the invention seeks to solve]

However, in online processing, each time a cash card is used, the central processing unit is accessed and information such as the PIN number and bank balance is read out. The reality is that the terminals become crowded, resulting in long waiting times and frustration for users.

By the way, optical cards, in which information is written and read using light, are difficult to duplicate because of the precision pits they form, and they also have a very large capacity, about 10 to 10 times larger than magnetic cards. Naturally, error detection (correction) codes, interleave processing, etc. have been introduced, increasing redundancy.

For this reason, it is extremely difficult to counterfeit or modify optical cards. Therefore, if this optical card is used in the above-mentioned cash cards of banks, etc., so-called offline processing is possible without accessing the central processing unit, and information on deposit balances can also be recorded in the card, allowing for more advanced credit card processing. Can be processed.

However, if the card is damaged and an uncorrectable error occurs in the information read by the device, especially the information on the bank balance, offline processing may be necessary.
The card is invalidated and returned, causing great inconvenience to the user. Therefore, when performing offline processing, it is necessary to prepare a device with extremely high error correction ability that can correct all code errors, a card that is hard to scratch and hard to break, and furthermore, it is necessary to prepare a card that is difficult to scratch and break. must also be strict. This not only reduces the design margin of the entire system, but also causes an increase in costs.

Therefore, the present invention has been proposed in view of the above circumstances, and provides an optical card processing system that can solve the above-mentioned problems when performing online processing and when performing offline processing. The purpose is to provide.

[Means for solving problems]

In order to achieve the above-mentioned object, an optical card processing system according to the present invention includes a first information recording section in which information is recorded and a second information recording section in which identification information of this information recording section is recorded. an optical card having an optical card, a reading device for reading information recorded on the optical card, a terminal processing device for processing the information read by the reading device, and a terminal processing device for processing the information read by the reading device; and a communication means for connecting the terminal processing device and the central processing unit, and the information in the first information recording section of the optical card read by the reading device cannot be corrected. Only when it is detected that there is an error,
The terminal processing device and the central processing unit are connected by the communication means to obtain the information stored in the central processing unit based on the information in the second information recording section of the optical card. It is characterized by

[Effect]

According to the present invention, offline processing is performed if there is no error in the information on the bank balance, for example, in the information recording section of the optical card read by the reader, and if there is an error, offline processing is performed. A terminal processing device is connected to the central processing unit by a communication means, and information stored in the central processing unit is obtained based on information such as a registration number, a password, etc. in the second information recording section of the optical card, and the information stored in the central processing unit is obtained online. Processing takes place.

〔Example〕

Hereinafter, an embodiment in which the present invention is applied to a bank card processing system will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the card processing system of this embodiment. This card processing system consists of a cash card 10, a terminal 20, and a central processing unit 30. The cash card 10 is an optical card, and as shown enlarged in FIG. 2, it has a general information section 11 which is a first information recording section and an ID section 12 which is a second information recording section. There is.

The general information section 11 records information on deposit balances, history of deposits and withdrawals, and various credit information, and the ID section 12 records registration numbers and other information as identification information for the general information section 11. PIN information is recorded. In addition, the information in the general information section 11 and the ID section 12 includes CRCC (Cyclic Redunda).
In addition to introducing error detection (correction) codes such as ncy Check Code), interleaving processing and the like are also performed.

The terminal device 20 is an automatic teller machine in this embodiment. The reading/writing device 21 reads information recorded on the cash card 10 attached to a predetermined attachment portion when the user inserts it from the card insertion/ejection slot, and writes new information to the card 10. It is something to do. The information read by the read/write device 21 is sent to an error detection/correction device 22, where code errors are detected and corrected, and then sent to a terminal processing device 23 that controls the entire terminal 20. At this time, information as to whether there is an uncorrectable error is also sent to the terminal processing device 23. The key-powered device 24 is for inputting a personal identification number and specifying the amount to be withdrawn, and signals from the key-powered device 24 are sent to the terminal processing device 23. The display device 25 is for displaying various instructions, amounts, etc. to the user in response to signals sent from the terminal processing device 23.

The cash processing device 26 is for causing a specified amount of cash to appear at a predetermined cash outlet in response to a signal sent from the terminal processing device 23. Further, a communication device 27 connected to the terminal processing device 23 connects the terminal processing device 23 and the central processing unit 30 via a communication line indicated by a dashed line in the figure, and allows the terminal processing device 23 and the central processing unit 30 to mutually exchange information. It is for. The terminal device 20 configured in this manner can independently perform offline processing, and the communication device 27 is normally in an inactive state.

The central processing unit 30 is equipped with a so-called data bank (not shown), and the data bank stores information regarding the card 10, including at least information recorded on the card 10.

Next, an example of the operation of the card processing system of this embodiment will be explained according to the flowchart of FIG.

First, the display device 25 displays an instruction to insert the cash card 10 into a predetermined card slot (step 2).

Following this display, the user inserts the card 10 into the card slot (step 2).

The inserted card 10 is mounted in a predetermined mounting section, and the information recorded in the ID section 12 of the card 10 is read by the reading/writing device 21 (step (2)).

The read information is sent to the terminal processing device 23 after code errors are detected and corrected as much as possible by the error detection/correction device 22 . Information indicating the presence or absence of an uncorrectable error is also sent to the terminal processing device 23. And ID section 12
It is determined whether or not there is an uncorrectable error in the information (step ■).

Here, if there is no uncorrectable error, the display device 25 displays an instruction to input a password (step 2).

On the other hand, if there is an uncorrectable error in the information in the ID section 12, it is naturally impossible to process the card.
The card is invalidated and ejected from the card insertion/ejection slot, and the display device 25 displays a message indicating that the card is unusable and instructing the user to receive the card (step O).

In accordance with the display in step (2) above, the user operates the key input device 24 to enter the password manually (step (2)).

Next, use this key manually to enter the PIN number and ID of card 10.
It is determined whether or not the information on the passwords read out from the section 12 matches (step (2)).

Here, if the two PIN numbers match, it will be read and
The information stored in the general information section 11 of the card 10 is read by the writing device 21 (step 2).

On the other hand, if the two password numbers do not match, the display device 25 displays an instruction to re-enter the password (step O), and the process returns to step (2). In step (2), for example, if the passwords do not match several times in a row, the card may be forcibly ejected. This is to prevent unauthorized use of the card.

The information in the general information section 11 read in step (2) is sent to the terminal processing device 23 after code errors are detected and corrected as much as possible by the error detection/correction device 22. Also,
Information indicating the presence or absence of an uncorrectable error is also sent to the terminal processing device 23. Then, it is determined whether or not there is an uncorrectable error in the information in the general information section 11 (step (2)).

If there is no uncorrectable error in the information in the general information section 11 in Step 2, the display device 25 displays an instruction to input the amount of money (Step @l).

On the other hand, if there is an uncorrectable error in the information in the general information section 11, the communication device 27 is operated to connect the terminal processing device 23 and the central processing device 30 (step [phase]).

After obtaining the correct information stored in the central processing unit 30 based on the information in the ID section 12 of the card 10 (step @), the above step [phase] is executed.

In accordance with the display in step [phase], the user operates the key input device 24 to specify the amount of money, and the amount is displayed on the display device 25 (step 2).

Next, information such as a new deposit balance obtained by subtracting the specified amount from the current deposit balance and the date of handling is written into the general information section 11 of the card 10 by the reading/writing device 21 (step @). Incidentally, if there is an error in the information in the general information section 11 in step (3), the correct information obtained from the central processing unit 30 in step (◎) is also written in another area of the general information section 11.

Next, the amount of cash specified in step 11 is discharged from the cash outlet by the cash processing device 26, and the display device 25 displays an instruction to receive the cash (step [phase]).

Subsequently, the card 10 is ejected from the card slot, and the display device 25 displays an instruction to receive the card (step 2).

In this way, in the card processing system of the present embodiment, if there is an uncorrectable error in the information in the general information section 11 read from the cash card 10, the terminal is processed without communicating with the central processing unit 30. The terminal processing device 23 of the terminal 20 performs offline processing only when the terminal 20 performs offline processing and there is an uncorrectable error in the information in the general information section 11.
is connected to the central processing unit 30, correct information is obtained from the central processing unit 30, and online processing is performed.

Therefore, processing for most cards is done by the central processing unit 3.
Since this is performed without communicating with 0, communication line congestion can be alleviated compared to a system that always performs online processing, and the workload of the central processing unit 30 can be reduced. As a result, users are not forced to wait for long periods of time, and their frustration is alleviated. Also, card 1
If there is an uncorrectable error in the information in the general information section 11 of the terminal 2, the correct information can be obtained from the central processing unit 30.
It is sufficient that the 0 has a normal error correction ability, and there is no need to impose strict restrictions on the material of the card or the conditions for writing information (for example, the diameter of the bit). Therefore, it is possible to increase the design margin of the entire system, and it is possible to suppress an increase in cost.

〔Effect of the invention〕

As is clear from the description of the embodiments described above, the optical card processing system according to the present invention solves both the problems of the case 2 when always online processing and the case when always offline processing is performed. I can do it. That is,
Compared to systems that perform online processing all the time, congestion on communication lines can be alleviated, and the workload of the central processing unit can be reduced. Therefore, the card user will not have to wait for a long time, and frustration will be alleviated.

Furthermore, compared to a system that performs offline processing all the time, the terminal does not need to have an extremely high error correction ability, and there is no need to impose strict conditions on the material of the card, etc. Therefore, the design margin of the entire system can be increased, and the cost increase can be suppressed.

[Brief explanation of the drawing]

Fig. 1 is a block diagram showing an embodiment of the optical card processing system according to the present invention, Fig. 2 is an enlarged plan view of the cash card in Fig. 1, and Fig. 3 is the operation of the card processing system of the above embodiment. 2 is a flowchart showing an example of the process. 10...Cash card, 11...General information department,
12... ID section, 21... reading/writing device, 2
3...Terminal processing device, 27...Communication device, 30...
・Central processing unit

Claims (1)

[Scope of Claims] An optical card having a first information recording section in which information is recorded and a second information recording section in which identification information of this information recording section is recorded; a reading device that reads recorded information; a terminal processing device that processes the information read by the reading device; a central processing device that stores information on the optical card; the terminal processing device and the above. and a communication means for connecting to a central processing unit, and the communication means is configured to transmit the communication information only when it is detected that there is an uncorrectable error in the information in the first information recording section of the optical card read by the reading device. The device is characterized in that the terminal processing device and the central processing device are connected by means to obtain the information stored in the central processing device based on the information in the second information recording section of the optical card. optical card processing system.