TWI362630B - Certification changin system for automatic transaction apparatus - Google Patents

Description

1362630 27203pif IX. Description of the Invention: [Technical Field to Which the Invention Is Ascribed] The present invention relates to a system for switching an automatic registration method when a sequence is generated. [Prior Art] Previously, customers who opened accounts in banking institutions such as banks, credit cooperatives, and post offices are equipped with ships (Automatic Teller Machine) and cd ((10)

When using an automatic trading device such as a Dispense cash machine, a financial card is used. In the face of the financial card, there is a magnetic card having a memory as a means of memory such as a memory account, and an Ic card in which Ic (Integmed (integrated) circuit) is used as the memory means. However, it is not necessarily that all automatic trading devices can be applied to 1C cards, and only the automatic parent-friendly devices that can be used for the IC card. Also, it is not necessarily that all financial cards are 1 (: cards, and many customers use magnetic cards that do not have 1C. Thus 1C cuts magnetic strips so that they can be used on automatic trading devices that are not suitable for IC cards. In addition, the acceptance of the busy card is applicable to 1 (the card is automatically placed in the terminal, and there is also a card reader that can be read on the bar, which is magnetic data for reading, S person, deletion, etc. (eani reader) Wnter) 'In order to be able to accept the magnetic card (for example, refer to the patent document and, as the above-mentioned _1 (: card automatic transaction device, when inserting financial money into the card slot (eard slGt), first read the magnetic stripe If the magnetic data memorized in the above (4) contains the 27203pif message indicating that it is an ic card, the processing for operating as an IC card is performed. Further, the above-mentioned automatic transaction device for the 1C card is provided with the mechanism. The basic authentication server is connected to the computer center, etc. Further, when the processing for the operation of the card is performed, the authentication information such as the biometric authentication information stored in the K card is transmitted from the automatic transaction device to the soil. , 幵 / „心. The server, the basic-shaped authentication feeding device performs basic form authentication according to the above-mentioned authentication resources. Here, 'as a basic form authentication means a method of authentication by the main (feeding device)' and the previous one is AT·* ecure APPlication The method of performing authentication on the module (the security application module) is called the period-time authentication. [Patent Document 1] 曰本特开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开Certified feeding: 艮: In the case of some kind of failure, the basic form authentication cannot be performed, so the financial transaction cannot be performed using the 1C card. In order to solve the above previous problems, the invention aims to provide a self-device 5 tolerant switching system, which is in the basic form When the authentication server is generated, the setting of the automatic transaction device is changed, so that the financial transaction can be executed according to the magnetic data stored in the =, so that even if there is no authentication, the basic shape authentication can be used to memorize the magnetic stripe. The magnetic data in the execution of the financial transaction. The 'automatic transaction device authentication switching system of the present invention includes: The management department and the customer operation department' are operated by the customer. The card processing unit can read and write the card (4) magnetic data and IC (4) with the magnetic strip 27203pif t IC, and the customer operation unit accepts the operation of the customer of the financial institution; Recognized (4), no automatic trading device is connected, and the following t-message included in the itic wealth is used to carry out the basic = also 'and the bribe H' is connected with the basic authentication server and the automatic device, The above-mentioned basic duties (4) and the above-mentioned automatic delivery f installations are monitored; the above-mentioned monitoring monitors are in the case of the ❹ ❹ 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职In the other-automatic transaction device authentication switching system of the present invention, the monitoring ship 11 changes the setting of the automatic transfer setting to change the type of financial transaction that can be executed. In the re-inventive-automatic transaction device authentication system, further, the ship 11 changes the slave of the automatic transaction device to change the effect of the invention [invention]; according to the present invention, the automatic transaction device authentication switching system, the certificate server In the event of a failure, 'Change the settings of the automatic transaction ^' to facilitate the transaction based on the magnetic memory stored in the magnetic strip of the card. In this way, even if the customer is riding a basic cigarette in the card based on the ID information of Ic =, the customer will be placed according to the magnetic data stored in the magnetic strip of the card. [Embodiment] The drawings illustrate the embodiments of the invention in detail. 262630 27203pif Fig. 1 is a configuration diagram showing an automatic transaction apparatus authentication switching system in the embodiment of the present invention.

In the figure, '11 is an automatic transaction device such as an ATM or a CD installed in a branch of a financial institution such as a bank, a credit cooperative, or a post office, and is convenient for the customers of the financial institution to use the deposit, withdrawal, and deposit of the deposit through their own operations. Financial services such as balance inquiry, transfer, transfer, remittance, and time deposit setting. Furthermore, the above-mentioned automatic transaction device u can also be installed in a store of a convenience store supermarket Baibei company store; public facilities such as underground streets, stations, municipal governments, hospitals; private enterprises such as factories and offices; parking lots and roadsides Waiting for outdoor. Further, the automatic transaction apparatus 11 may be a multi-function terminal of a public information inquiry station (KIOSK) terminal having other functions such as a reservation function, a product purchase application function, a credit card credit confirmation function, and a facility information presentation function. . Furthermore, the above-mentioned customers use the above-mentioned financial services to open their own accounts in a financial institution, and are generally individuals, but may also be enterprises, organizations, and the like.

Here, the automatic trading attack 11 is equipped with cpu (Central Pr〇cessing

Unit ^ MPU (Micro Processing Unit), calculation means, semiconductor memory, magnetic disk and other memory means, = means material computer, and banknote exit part, coin entry and exit, and card processing section A reader/writer, a passbook depositing unit, a customer operation unit that receives an operation of a customer, a control unit, and the like. The banknote exiting unit is a mechanism that has a mechanism for the customer _ automatic transaction device 11 pedestrian banknotes, and a number of automatic banknotes for the banknotes in the green placement 11 (4). In addition, the banknotes of the deposits such as deposits are received by the banknotes of the banknotes, and the banknotes of the population are counted from the banknotes that are not shown, and the banknotes of the prescribed amount are paid from the banknotes in the financial transaction such as withdrawals. Further, the coin entry/exit portion has a mechanism for the customer to take out and insert the coin by the automatic transaction device 11, and a mechanism for counting coins in the automatic transaction device, and accept the customer from the financial transaction such as deposit. The coins shown in the ® are issued and counted, and the coins of the prescribed amount are paid from the hard-working person in the financial transaction such as withdrawal. Further, the card reader/writer reads and writes @material on the card 17 such as a financial card held by the customer. Here, the card 17 is a card issued by a financial institution to a customer for a financial transaction such as deposit, withdrawal, transfer, balance inquiry, etc., and is 1C as a memory customer name, financial institution name, store number, account number, etc. The type of memory means the 1C card is the so-called ic card corresponding to the type of basic form authentication. Furthermore, the 1C card also has a magnetic strip so that it can be used on an automatic transaction device that is not suitable for a 1C card. In this case, the magnetic strip memorizes the customer's name, financial institution name, store number, account number, etc., and also memorizes the information indicating the 1C card. Further, in the above 1C, the information necessary for accessing the 1C card, which is a process of operating as a 1C card, is stored. Here, in the above process of accessing the IC card, biometrics authentication information is used to confirm whether or not the customer is the customer. Further, in the above 1C, it is useful to confirm in advance whether or not it is the biometric authentication information of the customer. The biometric authentication information is, for example, Iris, 4 曰 pattern, palm vein pattern, finger vein pattern, etc. 'But as long as 27203pif uses the features on the biological to confirm my biometric authentication information, the information is For any _: Xie refers to the vein pattern, it is ideal that 吏 = Cheng finger vein _ characterization after encryption and registration to π: slice 2 = the magnetic data of the information memorized to read the memory pair ^ (four) 17 1c head. Further, a mechanism for card 嘈/reading, writing, deletion, and the like, and a mechanism for retaining the card η that is automatically inserted = inserted, and the like. The passbook that has been re-introduced is inserted into the passbook slot provided by the customer from the passbook slot not shown. Here, the above-mentioned deposit refers to the financial institution's record of financial transactions such as the establishment of the second and second deposits. The customer name, :=τ has a magnetic strip on the cover, and the magnetic stripe is used as the account information such as the magnetic name and account number. 1 =; =: the material is inserted for reading and the second person is written. The institution that enters the passbook and keeps it. The customer-known part has a display device such as a slit, a panel, etc., 11 1362630 27203pif mounting, CRT (cathode-ray tube), liquid crystal display, LED (Light Emitting Diode) display; A voice input device such as a microphone for inputting a customer voice; a sound output device such as a speaker for outputting a voice prompt; a biometric authentication information acquiring device such as a vein pattern reading device. Furthermore, it is preferable that the upper display device is a smart panel having the function of the input device. The customer operation unit performs guidance on the operation of the customer and accepts the operation of the customer. In this case: ^, the customer operation unit displays a function key on the display device or a message prompting the customer to perform an operation, and the function key is a selection means for causing the customer to select information necessary for the transaction based on an instruction from the control unit. Further, the customer operation unit detects that the guest has touched the function key or the like, and notifies the detected content to the control unit. He said that the control unit collectively controls the entire automatic transaction device. The action of the automatic parent-friendly device π includes the card reading and writing, the banknotes, the coin-issuing department, and the coin-issuing department. The transaction sent by the customer operation unit is also included in the transaction control message, and the automatic transaction device system is connected to the financial institution management settlement, etc., via the automatic transaction device system main system. Yun Yufeng: * The main computer 13 of the different system has: CPU, MPU, slave memory, semiconductor memory, disk, etc. g. (4) 12 1362630 272〇3pif for communication, and deposit, take = electricity And when the automatic transaction device 11 performs the processing of the card and the ^3 = processing, the authentication information such as the message == message received from the automatic recording device 21 is received, and according to the received two (four) certificate, The card 17 is authenticated. Moreover, when the card is the main controller 17=the ground transaction device 11' starts to execute the card, the basic authentication device 12, the computer center, and the like Management server 15 Then, the == 15 ' has a computing means such as a CPU, an MPU, a semi-guided handle = a memorizing means, a communication interface, etc., and the basic authentication service device is further advanced, and the management server 15 and the monitoring server 16 monitor the monitoring server 16 Feeding device 16, with 僙cpu, qing, etc. = memory, disk and other memory means and communication interface, etc., test 15 to monitor. Moreover, the state of the monitor 16 becomes the server 15 and the basic form authentication The server 12 is connected, and therefore, the server 1.5 is managed to monitor the basic authentication server 12. 'In%, 13 1362630 27203pif The above-described monitoring server 16 is connected to the automatic transaction device u, and the automatic transaction device 11 is operated. The situation, the remaining amount of consumables such as paper in the automatic transaction device, and the like are monitored. Further, the monitoring server 16 does not need to be configured separately from the management server 15, and can be configured with the management server i5. The monitoring server 16 may be managed by a financial institution, but may be managed by a third party other than a financial institution, such as a service agent. In this case, the third party is only a generation. For the financial institution to monitor the U or the surveillance vessel 16, it can be an individual, a legal person, an organization, etc. The action of the automatic transaction device authentication switching system composed of the ί ΐ ΐ ΐ 作(4) Switching without automatic failure The automatic transaction device authentication displays the transaction selection t: 5 u' enables the customer operation unit's display device to select the deposit and the like; the J-side' is the financial transaction required by the touch function. After that, the customer chooses to display the message; the customer selects the indication to remind the customer to display the card 1 in the above-mentioned device, and the customer will hold the message in the card slot held by the user. ^ 17 Inserted into the automatic transaction device The parental device 11 recorded in the magnetic strip of the card 17 causes the card reader to include the representation of the magnetic material. Moreover, when it is 1c card information, the automatic transaction loading m 1362630 27203pif causes the card reader/writer to read the authentication information such as the biometric authentication information stored in the IC of the card 17, that is, the 1C authentication data. Thus, the automatic transaction device 11 reads the 1C authentication material from the card 17. Then, the automatic transaction device 11 creates a transaction message, and transmits the transaction message 1C together with the authentication data to the automatic transaction device gateway 14. Thereafter, the transaction message and the 1C certification data are sent from the automatic transaction device gateway 14 to the basic authentication server 12. Then, the basic authentication server 12 that receives the transaction message and the 1C authentication data performs basic form authentication based on the authentication information to check the card π, and determines whether the card 17 is a true card. Further, when the card 17 is a genuine card, the basic authentication server 12 transmits the transaction message, the 1C authentication data, and the authentication result to the settlement system main computer 13. That is, the settlement system main computer 13 is notified of the authentication result. Thereby, the transaction can be performed on the automatic transaction device 11, and the automatic transaction device U communicates with the settlement system host computer 13 to start the financial transaction based on the authentication information stored in the card 1C. Further, when the card 17 is not a genuine card, the basic authentication server 12' transmits an instruction to display the authentication error to the automatic transaction apparatus 11. Thereafter, the automatic transaction apparatus 11 controls the customer operation unit to cause the display device to display a display screen on which the card cannot be operated. Further, the automatic transaction apparatus 11 controls the card reader to cause the card 17 to be ejected from the card slot and end the processing. Next, the flow chart will be described. Step S1 inserts the card 17 into the automatic transaction device 11. In step S2, the automatic transaction device 11 reads the 1C certification capital 15 27203pif material in the card 17. In step S3, the transaction message and the Ic authentication are provided to the gateway 14. Knowledge Master Automated Trading裴

Step S4 is sent from the automatic transaction attacker M authentication data to the basic authentication feeder 12 . The e-text and the 1C step S5 determine whether the card 17 is a real card. In the case of the card, the process proceeds to step S6, and the # card is finally stuck to step S8. In the case of the device, the step S6 advances the authentication result to the settlement system host computer 13. Step S7 may perform η on the automatic transaction device u, and send an indication indicating that the authentication error is sent to the automatic; the installation is set to be the same as the failure of the basic feedback (four) 12-new failure. A flowchart of the operation of the automatic-switching system in the case of a failure in the embodiment of the present invention. The basic form of the survival of the n 12 produces some of the evidence of the feeding service f 12 to conduct supervision _ management health H 15 perception of the job. Further, the supervisory server 16 that monitors the above-described I server 15 senses the above failure via the management server 15. Thereby, the monitoring word processor 16 communicates with the automatic transaction apparatus U and changes the setting of the automatic transaction apparatus 11 so that the financial transaction can be performed only based on the magnetic data stored in the magnetic stripe of the card month 17. That is, the settings are changed so that the magnetic transaction can be performed at the automated transaction device U. Automated trading 16 1362630 27203pif The basic form authentication method for 裘π card authentication is 纟 (4) (4) Authentication method. In this case, the type of financial transaction that can be executed is changed as in 11. For example, ', another transaction that cannot be used for card loan (card) (four) setting. When the card 17 held by Jin himself is inserted into the slot t of the automatic transaction device η, even if the magnetic data of the card 17 contains the miscellaneous materials Magnetic card to scale financial transactions. Easy device 11, so that cards read and write crying 5 easy under this barrier 'automatic father data to enter the heart of the card 7 magnetic strips remembered magnetic bead feed into (four) take, read from card 17 Take the magnetic data. The text and the mobile device, the easy device 11, and the transaction message 'send the transaction to the automatic transaction device gateway 14. After that, === is sent from the automatic transaction device gateway 14 The transaction is performed on the jf automatic transaction device 11, and the above-mentioned automatic communication is performed by the main computer 13 of the settlement system, and the magnetic data stored in the magnetic stripe is started for financial transaction. Step S11 The server 15 senses the fault. Step S12 The monitoring server 16 senses the fault via the management server 15. ~ Step S13 monitors the server 16 to change the settings so that the automatic transaction device 1 can perform the magnetic Trading 17 1362630 272 〇 江 江 Step S14 Insert the card l7 for magnetic trading. Install 2, trade message and magnetic data sent to the automatic trading step Can send the transaction message and magnetic data requester 14 to the settlement system main computer 13. The transvesting step S17 can be performed by the automatic transaction device η, and the processing is terminated. ^ In the present known method, when the basic authentication server 12 fails, the monitoring feeder 16 changes the automatic transaction device (4) setting, and can: The magnetic data stored in the magnetic strip of the f card 17 is executed: ^ Even if the guest is in the basic shape authentication server 12, the chapter p is generated.

If the card is used as an IC card, it can also be used as a magnetic card and operate the automatic transaction device π to extend the required financial transactions. In the setting method, the automatic transaction decoration is performed for the operation at the time of the failure, but the example of the type of the financial transaction of the second line is said to be the i yen 2 limit. For example, the transaction limit of 1 day in normal time is more than 1 yen/yen, and the sister (4) who has changed the upper limit of the upper limit is limited to the above embodiment, and can be based on the present invention. The present invention is not limited to the scope of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a block diagram showing an automatic transaction apparatus authentication 18 1362630 27203 pif switching system according to an embodiment of the present invention. Fig. 2 is a flow chart showing the operation of the automatic transaction apparatus authentication switching system in the normal state in the embodiment of the present invention. Fig. 3 is a flow chart showing the operation of the automatic transaction apparatus authentication switching system in the case where a failure occurs in the embodiment of the present invention. [Main component symbol description] 11 : Automatic transaction device 12 : Basic authentication server 13 : Accounting system main computer 14 : Automatic transaction device gateway 15 : Management server 16 : Monitoring server 17 : Card 19

Claims (1)

27203pif X. Patent application scope: 1. An automatic transaction device authentication switching system, including: The automatic parent-friendly device includes a card processing unit and a customer operation unit, and performs a financial transaction by a customer operation, and the card processing unit can read and write magnetic data and IC data of a card having a magnetic strip and an ic, the customer operation unit. Receiving the operation of the customer of the financial institution; the basic authentication server is connected to the automatic transaction device, and performing basic authentication according to the authentication information contained in the first material; and the i-view server, and the basic authentication server and the automatic The transaction device is connected to monitor the basic authentication server and the automatic transaction line; the automatic transaction device authentication switching system is characterized in that: the current stab service 11 '# perceives the setting of the basic occupation server service transaction device In the automatic transaction device authentication switching system according to the first item of the above-mentioned patent application, the monitoring server is changed, and the type of the financial transaction executed by the monthly transaction b is changed. 3. If the patent application scope is the same, the above monitoring server has a more transaction limit. One item of automatic trading device authentication switching system changes the setting of the above automatic trading device to change 20