WO2022064780A1 - Information processing device and automatic transaction device - Google Patents

Abstract

An automatic transaction device according to the present disclosure comprises: a card processing unit that reads magnetic data from and writes magnetic data to a magnetic storage part of an inserted medium, and that reads data stored in an IC chip of the medium; and a processor. The processor is configured to: read account information stored in the IC chip of the medium when the card processing unit has failed to read first magnetic data from the magnetic storage part of the medium; acquire, from an external device, second magnetic data to be written to the magnetic storage part of the medium on the basis of the account information that was read; and control the card processing unit to replace the first magnetic data in the magnetic storage part of the inserted medium with the second magnetic data.

Description

Information processing equipment and automated teller machines

This application claims the priority of Japanese Patent Application No. 2020-162584 filed on September 28, 2020, and is incorporated herein by reference in its entirety.
The present disclosure relates to an information processing device and an automated teller machine, and can be applied to, for example, an information processing device and an automated teller machine that automatically restores magnetic data of a magnetic stripe provided in an IC cash card or the like.

Conventionally, media such as cash cards and credit cards are equipped with magnetic stripes. In addition to being physically destroyed, the magnetic stripes of these media can also destroy data due to the proximity of magnets. In particular, recently, many electronic devices such as smartphones and tablets around us and products with built-in magnets in their cases have been distributed, and the risk of destruction (including loss) of magnetic stripe data is increasing.

By the way, even when using a cash card with a built-in IC chip, reading of magnetic stripe information is indispensable at ATMs (Automatic Teller Machines), so if magnetic data is destroyed, the card will be reissued at the counter of a financial institution. It was troublesome to do so (see, for example, Japanese Patent Application Laid-Open No. 2001-101363).

The user (customer) will not be able to use the cash card until it is reissued. This also applies to an integrated card with credit card and cash card functions (a card with credit card information on a magnetic stripe), in which case if the magnetic data is destroyed, both functions will be ATM. You will not be able to use it above.

In view of the above, a technique has been proposed in which the magnetic data of a cash card is automatically repaired on an ATM to start a transaction (see, for example, Japanese Patent Application Laid-Open No. 2009-146014).

However, the technique described in Japanese Patent Application Laid-Open No. 2009-146014 includes a step of making the user confirm that the cash card is equipped with the IC chip, so that the user cannot understand the IC chip. , It took time and effort on the financial institution side to call the call center. In particular, if the user does not understand the IC chip even after calling the call center, the transaction for magnetic data restoration will be canceled and the card reissue procedure will be performed, so the card will be reissued from the beginning. It would have been better to go through the procedure.

Therefore, even if the magnetic data contained in the medium is destroyed, an information processing device and an automated teller machine that can efficiently deal with both the user and the financial institution side are desired.

The first aspect of the present disclosure is a code information reading unit that reads code information including at least feature data of a user's face image, account information of a medium, and magnetic data for writing in a magnetic storage unit of the medium. A card processing unit that reads and writes magnetic data in the inserted magnetic storage unit of the medium, and reads data stored in the IC chip of the medium, a photographing unit that captures a user's facial image, and a processor. And, the account information in the IC chip of the medium read by the processor using the card processing unit is compared with the account information of the medium included in the code information read by the code information reading unit. Then, the validity of the medium is determined, and the feature data of the user's face image taken by the photographing unit is compared with the feature data of the face image included in the code information read by the code information reading unit. When the identity is confirmed, the validity of the medium is confirmed, and the identity of the user is confirmed, the card processing unit is controlled and the magnetic data of the magnetic storage unit of the inserted medium is used as the code. It is an information processing device configured to rewrite the magnetic data included in the code information read by the information reading unit.

A second aspect of the present disclosure includes a card processing unit and a processor for reading and writing magnetic data in the magnetic storage unit of the inserted medium and reading data stored in the IC chip of the medium. When the processor fails to read the first magnetic data in the magnetic storage unit of the medium using the card processing unit, the account information stored in the IC chip of the medium is read and read. Based on the account information, a second magnetic data for writing to the magnetic storage unit of the medium is acquired from an external device, the card processing unit is controlled, and the first magnetic storage unit of the inserted medium is inserted. It is an automatic trading device configured to rewrite magnetic data into the second magnetic data.

According to this disclosure, even if the magnetic data contained in the medium is destroyed, both the user and the financial institution can efficiently deal with it.

It is a block diagram which shows the internal structure of the ATM which concerns on 1st Embodiment. It is an overall configuration diagram which shows the overall configuration of the transaction system which concerns on 1st Embodiment. It is an external perspective view which shows the external appearance structure of the ATM which concerns on 1st Embodiment. It is a block diagram which shows the detailed structure of the mobile terminal which concerns on 1st Embodiment. It is a block diagram which shows the detailed structure of the card processing part which concerns on 1st Embodiment. It is a flowchart which shows the characteristic operation (the generation process of the magnetic repair code data) of the mobile terminal which concerns on 1st Embodiment. It is a flowchart which shows the characteristic operation (card magnetic repair transaction processing performed using magnetic repair code data) of the ATM in the transaction system which concerns on 1st Embodiment. It is explanatory drawing which shows an example of the transaction selection screen which concerns on 1st Embodiment. It is a flowchart which shows the characteristic operation (the generation processing of magnetic repair code data) of the mobile terminal 3 which concerns on 2nd Embodiment. It is a flowchart which shows the characteristic operation (the process which repairs by rewriting the magnetic data from the credit card information to the cash card information) in the transaction system which concerns on 3rd Embodiment. It is explanatory drawing which shows an example of the magnetic data change explanation screen which concerns on 3rd Embodiment. It is explanatory drawing which shows an example of the magnetic data restoration explanation screen which concerns on 3rd Embodiment.

(A) First Embodiment In the following, a third embodiment of the information processing apparatus and the automated teller machine according to the present disclosure will be described in detail with reference to the drawings.

In the first embodiment, a two-dimensional bar code equipped with a security function including data necessary for repairing facial feature data and magnetic data at an ATM is used to verify the identity, identify the account number of a financial institution, and use a card. An example of confirming the validity and automatically repairing the magnetic data of the IC cash card is shown. Conventionally, when repairing the magnetic data of an IC cash card whose magnetic data is damaged by an ATM, the ATM needs to confirm the validity of the inserted card. Therefore, the ATM reads the account information (financial institution code, store number, subject number, account number, etc.) in the IC chip of the card and sends it to the host computer. Based on the account information received from the ATM, the host computer confirms the existence of an account and various information of the account, determines the validity of the card and whether the magnetic data of the card can be repaired, and if the magnetic data can be repaired, The magnetic data was transmitted to the ATM. After the above processing was completed, the ATM had to write the magnetic data received from the host computer to the magnetic stripe of the card.

However, the above card magnetic writing method has the following problems.

The first is to confirm the validity of the card. In order to confirm the validity of the card with the damaged magnetic data inserted in the ATM, it is necessary to send the account information in the IC card to the host computer and confirm the existence of the account on the host computer. there were.

Secondly, the target card for magnetic repair is restricted by the ATM. When conducting transactions between financial institutions using ATMs, a relay system such as an integrated ATM switching service is used. At present, since this relay system does not have a function (interface) for transmitting and receiving the magnetic data of the card, the card capable of magnetic repair is only the card having the account information of the financial institution that manages the ATM. In order to send and receive magnetic data individually between financial institutions, it is necessary to build a network separate from the relay system, develop and operate a common system, etc., and restore the magnetic data of cards of other financial institutions. It cost a lot of money to do so.

In the first embodiment, in view of the above, even if the magnetic data contained in the medium is destroyed, an example is shown in which both the user and the financial institution can efficiently deal with it.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration FIG. 2 is an overall configuration diagram showing an overall configuration of a transaction system according to the first embodiment. In FIG. 2, the transaction system 1000 includes an ATM 1, a host computer 2, and a mobile terminal 3.

Network N is a communication network capable of communicating data related to financial transactions, and for example, a dedicated network can be applied. Further, the network N may be a public network as long as it can communicate data related to financial transactions.

ATM1 is, for example, an automatic teller machine installed in financial institutions, train stations, convenience stores, hotels, and the like. The ATM 1 is not limited to an ATM, and may be, for example, a POS cash register, a semi-self machine, a ticket vending machine, or the like. Note that FIG. 2 shows only one ATM 1 for the sake of simplicity. However, in reality, each of the plurality of ATMs 1 connects to the host computer 2 via the network N.

The ATM 1 can communicate with the host computer 2 via the network N, and for example, performs a transfer transaction, a deposit transaction (deposit transaction), a withdrawal transaction (withdrawal transaction), a card magnetic repair transaction, and the like. The ATM 1 of the first embodiment is characterized by a "card magnetic repair transaction" that repairs magnetic data of an IC cash card, as will be described later.

The host computer 2 is a host computer of a financial institution, and when information on a transaction is acquired from ATM 1, it manages the contents of the transaction performed by the user based on the acquired information on the transaction.

The mobile terminal 3 is equipped with an application provided by a financial institution and can communicate with the host computer 2. The mobile terminal 3 encodes and generates biometric information (facial feature data) of the user, magnetic data for repairing magnetic data of the user's IC cash card, and the generated information (hereinafter, "" Also called "magnetic repair code data") is provided to the user. The generated magnetic repair code data is stored as an image in, for example, a storage unit of the user's mobile terminal 3.

The mobile terminal 3 starts a series of processes related to magnetic data restoration by having the ATM 1 read the magnetic restoration code data when conducting a card magnetic restoration transaction using the ATM 1. Various types of terminals can be applied to the mobile terminal 3, and for example, smartphones, tablet terminals, notebook personal computers, mobile phones, game terminals, electronic book terminals, wearable terminals, and the like can be applied.

The magnetic repair code data itself is generated by a terminal different from the mobile terminal 3, and the magnetic repair code data generated by the different terminal is transmitted to the mobile terminal 3 by e-mail or the like and stored internally. May be.

(A-1-2) Detailed Configuration of Mobile Terminal 3 FIG. 4 is a block diagram showing a detailed configuration of the mobile terminal according to the first embodiment. In FIG. 4, the mobile terminal 3 has a control unit 31, a storage unit 32, a communication unit 33, a camera 34, and a display unit 35.

The control unit 31 is mainly composed of a CPU (Central Processing Unit) (not shown), and is executed by reading a predetermined program from a ROM (Read Only Memory), a RAM (Random Access Memory), and a storage unit 32. Each part is controlled to perform various processes related to magnetic repair.

The storage unit 32 stores a processing program or the like executed by the control unit 31, and is composed of, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), or the like. The storage unit 32 stores the magnetic repair code data D generated by the financial institution cooperation processing unit 311.

The communication unit 33 is a network interface for connecting to the host computer 2 via the network N.

The camera 34 has a function of forming an external image (user's face, etc.) on an image sensor such as a CCD (Charge Coupled Device) or CMOS (Complement Metal Oxide Semiconductor) through a lens and taking a still image or a moving image. Has.

The display unit 35 is a functional unit for displaying the magnetic repair code data D or the like, and is, for example, a liquid crystal display or the like.

The control unit 31 has a financial institution cooperation processing unit 311 capable of exchanging information with respect to a financial institution (host computer 2) and a cash card account held by the user. The financial institution cooperation processing unit 311 includes an authentication unit 312, a card information registration unit 313, a magnetic repair code data generation unit 314, and a magnetic repair code data issuing unit 315. The CPU of the control unit 31 reads the processing program from the storage unit 32 and executes it, thereby functioning as each unit of the financial institution cooperation processing unit 311.

The authentication unit 312 is a processing unit that confirms the identity when the application provided by the financial institution is started. As the method of personal authentication, for example, a method having strong security such as a personal identification number, face authentication, fingerprint authentication, etc. is applied.

The card information registration unit 313 is a functional unit for registering a user's cash card information. If there are multiple cards owned by the user, multiple cards can be registered.

The magnetic repair code data generation unit 314 encodes and generates magnetic data for magnetic repair of a cash card registered in the card information registration unit 313. For example, the magnetic repair code data generation unit 314 may use the "magnetic data" for magnetic repair of an IC cash card, the "account information" of the card, the user's face image acquired by the camera 34, and the eyes and nose of a person. Magnetic repair code data D including "feature data" from which features such as the positional relationship of the mouth are extracted and "expiration date" of this code data (for example, several hours to several days from the generation date and time) is generated.

Various data formats can be adopted as the data format of the magnetic repair code data D. For example, a two-dimensional bar code such as a QR code (registered trademark) and a security function such as SQRC (registered trademark) are installed. A two-dimensional bar code can be applied. In this embodiment, it is assumed that the data format of the magnetic repair code data D conforms to SQRC. The SQRC is a two-dimensional code having a configuration in which reading of data can be restricted by dividing the data into a public part and a private part. For example, in the magnetic repair code data D, the account information and the expiration date are stored in the public part, and the magnetic data for repair and the facial feature data are encrypted and stored in the private part. As a result, it is possible to prevent unauthorized information acquisition and spoofing by a third party and provide a highly secure transaction to the user.

The magnetic repair code data issuing unit 315 controls to display the magnetic repair code data D generated by the magnetic repair code data generation unit 314 on the display unit 35. Further, the magnetic repair code data issuing unit 315 may send the generated magnetic repair code data D to the e-mail address specified by the user.

(A-1-3) Detailed Configuration of ATM 1 FIG. 3 is an external perspective view showing an external configuration of the ATM according to the first embodiment.

In FIG. 3, the ATM 1 of the first embodiment has an operation display unit 12, a card inlet / outlet 13, a bill inlet / outlet 14, a coin inlet / outlet 15, a receipt outlet 16, a code data reader 17, a passbook inlet / outlet 18, and a passbook inlet / outlet 18. It has a camera 19.

The camera 19 has a function of forming an external image (such as a user's face) on an image pickup element such as a CCD or CMOS through a lens and taking a still image or a moving image.

The operation display unit 12 displays, for example, a transaction type selection menu screen, an operation screen for each transaction, a confirmation screen for transaction details, and the like, and captures input information input by the user. As the operation display unit 12, for example, a touch panel type operation display unit can be applied. The operation display unit 12 is not limited to the touch panel type in which the operation unit and the display unit are integrated, and the operation unit and the display unit may have physically different configurations.

The card entrance / exit 13 is for a user to insert a cash card or take out a cash card.

The banknote inlet / outlet 14 is for the user to insert or take out the banknote. As the bill entry / exit 14, for example, a bucket type having an opening / closing body that can be opened / closed may be used, or a bucket type having no opening / closing body may be used. When the user inserts banknotes, for example, in the case of a bucket type having an opening / closing body, after the opening / closing body opens the opening of the bucket, the user inserts the banknotes into the opening of the bucket, and then the ATM1 opens / closes. The body closes and takes in the inserted banknotes. Further, when the ATM 1 returns the banknote, the ATM1 pays out the banknote to the bucket, and then the opening / closing body is opened. The bill inlet / outlet 14 is not limited to the one in which the bill inlet for inserting the bill and the bill outlet for discharging the bill are integrated, and the bill inlet and the bill outlet have physically different configurations. May be.

The coin inlet / outlet 15 is for the user to insert coins or take out coins. As the coin inlet / outlet 15, for example, a bucket type coin having an opening / closing body that can open / close the opening may be used, or a bucket type coin having no opening / closing body may be used. In this case as well, when the user inserts coins, for example, in the case of a bucket type having an opening / closing body, after the opening / closing body opens the opening of the bucket, the user opens the bucket, as in the case of the bill inlet / outlet 14. A coin is inserted into the unit, and then the ATM1 closes the opening / closing body and takes in the inserted coin. When the ATM1 returns the coin, the ATM1 pays out the coin to the bucket, and then the opening / closing body opens. The coin inlet / outlet 15 is not limited to the one in which the coin inlet for inserting coins and the coin outlet for discharging coins are integrated, and the coin inlet and the coin outlet have physically different configurations. May be.

The receipt discharge port 16 discharges a receipt printed with transaction details.

The code data reading unit 17 reads the magnetic repair code data D via the mobile terminal 3. In this embodiment, the code data reading unit 17 is a bar code reader, which reads a two-dimensional bar code (magnetic repair code data D) displayed on the mobile terminal 3. In addition, the code data reading unit 17 is, for example, an IC reader, which is in contact with an IC chip included in the mobile terminal 3 to drive an electric circuit, or communicates with an antenna of a non-contact type IC chip. May read the data of the IC chip (magnetic repair code data D).

The passbook entrance / exit 18 accepts the passbook inserted by the user or discharges the passbook.

FIG. 1 is a block diagram showing an internal configuration of an ATM according to the first embodiment. In FIG. 1, the ATM 1 includes a control unit 10, a storage unit 20, a communication unit 40, an operation display control unit 50, a code data processing unit 60, a card processing unit 70, a passbook processing unit 80, a bill deposit / withdrawal unit 90, and a coin deposit / withdrawal unit. It has a unit 100 and a statement issuing unit 110.

The control unit 10 is mainly composed of a CPU (not shown), and controls each unit by reading a predetermined program from the ROM, RAM, and the storage unit 20 and executing the control unit to control deposit transactions, storage processes, and withdrawal transactions. Performs various processes such as card magnetic repair transactions.

The storage unit 20 stores a processing program or the like executed by the control unit 10, and is composed of, for example, an HDD, an SSD, or the like. It was

The communication unit 40 is a network interface for connecting to the host computer 2 via the network N.

The operation display control unit 50 controls the operation of the operation display unit 12 under the control of the control unit 10. The operation display control unit 50 causes the operation display unit 12 to display the screen based on the screen information from the control unit 10, or gives the information input from the operation display unit 12 to the control unit 10.

The code data processing unit 60 supplies the magnetic repair code data D read through the code data reading unit 17 to the control unit 10. The non-public data of the magnetic repair code data D is given to the control unit 10 in a decoded state.

The card processing unit 70 takes in or ejects a cash card from the card inlet / outlet 13 under the control of the control unit 10. Further, the card processing unit 70 reads the card information stored in the storage unit (for example, magnetic storage unit, IC chip, etc.) of the cash card inserted from the card inlet / outlet 13, and transfers the card information to the control unit 10. It is something to give.

FIG. 5 is a block diagram showing a detailed configuration of the card processing unit according to the first embodiment. The card processing unit 70 has a magnetic reading unit 71, a magnetic writing unit 72, a magnetic level detecting unit 73, an IC reading unit 74, and the above-mentioned card inlet / outlet port 13.

The magnetic reading unit 71 reads magnetic data with respect to the magnetic stripe provided on the card. The data read by the magnetic reading unit 71 is sent to the control unit 10, and the control unit 10 controls the transaction based on this data.

The magnetic writing unit 72 writes magnetic data to the magnetic stripe provided on the card. In addition to writing by changing to information different from the initial information, for example, the same information may be written.

The magnetic level detection unit 73 detects the magnetic level of the magnetic stripe provided on the card. The magnetic level detection unit 73 can adopt various configurations as long as it can detect a magnetic level according to a predetermined reference. For example, it is a voltage sensor and magnetic information stored in a magnetic stripe. The output (output voltage) of the magnetic reading unit 71 (magnetic writing unit 72) when reading (or writing) is measured. At this time, the magnetic level detection unit 73 may determine the magnetic level by using, for example, the average value of the measured output amplitudes. The control unit 10 may determine the success or failure of reading the magnetic information by the magnetic reading unit 71 or writing by the magnetic writing unit 72 by comparing the detected magnetic level with a predetermined threshold value.

The IC reading unit 74 accesses the IC of the accommodated card and performs processing such as data reading. The data read by the IC reading unit 74 is sent to the control unit 10, and the control unit 10 controls the transaction based on this data.

The passbook processing unit 80 takes in or discharges the passbook from the passbook inlet / outlet 18 under the control of the control unit 10. Further, the passbook processing unit 80 reads the passbook information (for example, magnetic stripe data) stored in the passbook storage unit (for example, a magnetic data storage unit, an IC chip, etc.) inserted from the passbook entrance / exit 18. The passbook information is given to the control unit 10.

The banknote deposit / withdrawal unit 90 stores and manages banknotes by denomination under the control of the control unit 10.

The coin deposit / withdrawal unit 100 stores and manages coins by denomination under the control of the control unit 10.

The statement slip issuing unit 110 prints the transaction result on the transaction statement and issues (discharges) it from the receipt discharge port 16 under the control of the control unit 10.

The transaction processing unit 11 is associated with information processing (including processing associated with the presentation of the user's operation screen and operation reception) for processing transactions with the customer (user) and transaction processing, and each component in the ATM 1. It controls the above. The CPU of the control unit 10 reads the processing program from the storage unit 20 and executes it, thereby functioning as the transaction processing unit 11.

The ATM 1 (transaction processing unit 11) of the first embodiment is generated by using the mobile terminal 3 when performing a transaction for repairing magnetic data stored in a magnetic stripe of an IC cash card (card magnetic repair transaction). Using the magnetic repair code data D, the validity of the card to be repaired is confirmed, the identity of the user is confirmed by face authentication, and the magnetic data is written. Further details of the transaction processing unit 11 will be described in the section of operation.

(A-2) Operation of the First Embodiment Next, the characteristic operation of the transaction system 1000 according to the first embodiment will be described in detail with reference to the drawings.

(A-2-1) Characteristic operation of mobile terminal 3 (generation processing of magnetic repair code data D)
FIG. 6 is a flowchart showing a characteristic operation (magnetic repair code data generation process) of the mobile terminal according to the first embodiment. It is assumed that the application (processing program) of the financial institution that issued the cash card is installed in the mobile terminal 3 in advance and can function as the financial institution cooperation processing unit 311.

When the application is started (when the financial institution cooperation processing unit 311 is started), the authentication unit 312 performs a predetermined authentication process and confirms the identity of the user (S101). Here, it is assumed that the authentication is successful.

The card information registration unit 313 registers cash card information (S102). If the user has a plurality of cards, a plurality of card information may be registered.

The magnetic repair code data generation unit 314 accepts the start of the application procedure for the card magnetic repair transaction from the user via the above application (S103). It should be noted that the process of this step S103 does not need to be executed immediately after the above-mentioned step S102, and is performed at an arbitrary timing (for example, a timing when the user recognizes that the magnetic data of the cash card has been corrupted). Good.

The magnetic repair code data generation unit 314 accepts from the user the selection of the target card for the card magnetic repair transaction (S104). When a plurality of card information is registered in step S102 described above, the user may make a selection via a predetermined selection screen displayed on the display unit 35. If there is only one registered card information in step S102 described above, the step S104 may be omitted.

The magnetic repair code data generation unit 314 uses the camera 34 to take a face image of the user for identity verification (S105).

The magnetic repair code data generation unit 314 makes an inquiry to the financial institution (host computer) that manages the target card based on the account information of the target card, and identifies the account information and the magnetic data of the target card (S106). That is, the magnetic repair code data generation unit 314 directly accesses the host computer that manages the account of the target card via the mobile phone network to acquire the magnetic data. That is, it does not mean that magnetic data is acquired from one host computer via another host computer.

The magnetic repair code data generation unit 314 extracted from the magnetic data of the target card acquired in the above step S106, the account information of the target card registered in the above step S102, and the user's face image taken in the above step S105. Generates magnetic repair code data D including feature data and expiration date of this code data (S107).

The magnetic repair code data issuing unit 315 displays the magnetic repair code data D generated in step S107 above on the display unit 35 (S108). Further, the magnetic repair code data issuing unit 315 may send the generated magnetic repair code data D to the e-mail address specified by the user.

(A-2-2) Features of ATM1 Operation (Card magnetic repair transaction processing performed using magnetic repair code data D)
FIG. 7 is a flowchart showing a characteristic operation of an ATM (processing of a card magnetic repair transaction performed by using magnetic repair code data) in the transaction system according to the first embodiment. It is assumed that the cash card used in ATM1 is an IC card with a magnetic stripe.

First, in the ATM 1, as an initial state (user waiting state), an operation screen (hereinafter, "transaction selection screen") capable of selecting a transaction type on the operation display unit 12 based on the control of the transaction processing unit 11 ") Is displayed. For example, the transaction selection screen T1 as shown in FIG. Then, here, it is assumed that "card magnetic repair (card magnetic repair transaction)" is pressed (selected) by the user on the above-mentioned transaction selection screen (S151).

Next, the transaction processing unit 11 reads the code data on a screen requesting the operation display unit 12 to read the magnetic repair code data D (for example, "with the magnetic repair code data registered in the application displayed on the mobile terminal 3". A screen displaying a message such as "Please hold the mobile terminal 3 in the unit 17") is displayed, and the magnetic repair code data D is read from the mobile terminal 3 held by the user via the code data reading unit 17 (S152). ). Here, it is assumed that the transaction processing unit 11 normally reads the magnetic repair code data D from the mobile terminal 3 held by the user via the code data reading unit 17.

Next, the transaction processing unit 11 displays a screen requesting the operation display unit 12 to insert a cash card (for example, a screen displaying a message such as "Please insert a cash card to be magnetically repaired"). Have the user insert the cash card into the card entrance / exit 13 (S153). Here, it is assumed that the cash card is inserted into the card inlet / outlet 13 by the user.

Next, the transaction processing unit 11 determines the validity of the inserted cash card (S154). Specifically, the transaction processing unit 11 confirms that the account information of the financial institution stored in the magnetic repair code data D exists in the IC chip of the cash card, and stores it in the magnetic repair code data D. It is determined whether or not the account information of the financial institution and the account information stored in the IC chip of the card match. If the transaction processing unit 11 does not have the account information in the IC chip or is different from the account information stored in the magnetic repair code data D in which the account information exists, the card inserted in the ATM 1 is magnetically repaired. Since it is different from the target card, the transaction is closed. On the other hand, when the validity of the card is confirmed, the transaction processing unit 11 shifts to S155 and performs the following processing.

The transaction processing unit 11 displays a screen requesting the operation display unit 12 to take a picture of the user's face (for example, a screen displaying a message such as "Please turn your face toward the front camera of the ATM"). Then, the user's face is photographed through the camera 19 (S155). Here, it is assumed that the ATM 1 normally captures the user's face through the camera 19.

Next, the transaction processing unit 11 authenticates the user's face based on the feature data of the user's face image stored in the magnetic repair code data D and the feature data of the face image taken in step S155 described above. (S156). If the identity verification is possible (authentication is OK), the transaction processing unit 11 proceeds to S157 and executes the next process, while if the authentication is NG, step S155 is repeated again. If the authentication is NG, the transaction may be terminated.

Next, the transaction processing unit 11 displays a screen requesting the operation display unit 12 to input the password (for example, a screen displaying a message such as "Please enter the password of the cash card") to the user. Have the user enter the password (S157). Here, it is assumed that a valid password has been entered by the user. The process of step S157 may be omitted. Alternatively, other biometrics may be performed.

Next, the transaction processing unit 11 controls the card processing unit 70 to write the repair magnetic data stored in the magnetic repair code data D to the magnetic stripe of the cash card (S158). Here, it is assumed that the magnetic data is normally written on the magnetic stripe of the cash card by the card processing unit 70.

Then, the transaction processing unit 11 controls the card processing unit 70, discharges the cash card in which the magnetic data is written from the card inlet / outlet 13, and returns it to the user (S159), and ends the transaction.

Further, if the expiration date stored in the magnetic repair code data D exceeds the current time, the transaction processing unit 11 may end the transaction at a predetermined timing after step S152.

(A-3) Effect of the first embodiment As described above, according to the first embodiment, that is, the ATM1 is the person himself / herself using the magnetic repair code data D including the facial feature data and the card information. The following effects can be obtained by confirming the validity of the card and performing magnetic repair of the cash card.

(1) The validity of the card can be confirmed without going through the host computer. ATM1 uses the account information stored inside the magnetic repair code data D, and the account information in the IC chip of the cash card matches. By confirming, the validity of the card can be confirmed without sending and receiving data to and from the host computer 2.

(2) Compatible with IC cash cards of each financial institution ATM1 uses the account information stored inside the magnetic repair code data D and confirms that the account information in the IC chip of the cash card matches. As a result, cards of other financial institutions can also be targeted for magnetic repair without transmitting and receiving data to and from the host computer and the relay system.

(3) No need to communicate with the host computer or relay system By using the magnetic data of the encrypted cash card inside (non-public part) of the magnetic repair code data D, the card can be used without connecting to the host computer or relay system. Magnetic stripes can be repaired. Therefore, it is possible to reduce the cost of constructing a network different from the relay system and developing and operating a common system.

(4) Prevention of spoofing By using a face image for personal authentication, only the person can perform magnetic repair transactions on the card, and high security such as spoofing prevention can be ensured.

(B) Second Embodiment Hereinafter, the second embodiment of the information processing apparatus and the automated teller machine according to the present disclosure will be described in detail with reference to the drawings.

In the second embodiment, a two-dimensional barcode equipped with a security function including data necessary for repairing facial feature data and magnetic data is used for identity verification, identification of a financial institution account number, and credit information. An example of specifying and automatically repairing the magnetic data (magnetic data related to the credit card) of the credit-integrated IC cash card is shown.

(B-1) Configuration of Second Embodiment The configurations of the ATM, mobile terminal, host computer, and transaction system of the second embodiment are the same as those of the first embodiment described with reference to FIGS. 1 to 5. Since it is the same, the description thereof will be omitted.

In the first embodiment, a cash card has been described as an example for repairing magnetic data, but in the second embodiment, a credit-integrated IC cash card will be described as an example. The credit-integrated IC cash card here has a configuration in which credit card information is provided as magnetic data on a magnetic stripe. The payment account (withdrawal account) of the credit card portion is the same as the account of the cash card portion of the integrated card.

The processing peculiar to each configuration in the mobile terminal 3 or the like of the second embodiment shall be described in the section of operation.

(B-2) Operation of the Second Embodiment Next, the characteristic operation of the transaction system 1000 according to the second embodiment will be described in detail with reference to the drawings.

(B-2-1) Characteristic operation of mobile terminal 3 (generation processing of magnetic repair code data D)
FIG. 9 is a flowchart showing a characteristic operation (magnetic repair code data generation process) of the mobile terminal 3 according to the second embodiment. It is assumed that the application (processing program) of the card issuing company of the credit-integrated card is installed in the mobile terminal 3 in advance and can function as the financial institution cooperation processing unit 311.

When the application is started (when the financial institution cooperation processing unit 311 is started), the authentication unit 312 performs a predetermined authentication process and confirms the identity of the user (S201). Here, it is assumed that the authentication is successful.

The card information registration unit 313 registers the user's credit card information (S202). If the user has a plurality of cards, a plurality of card information may be registered.

The magnetic repair code data generation unit 314 accepts the start of the application procedure for the card magnetic repair transaction from the user via the above application (S203). It should be noted that the process of this step S203 does not need to be executed immediately after the above-mentioned step S202, and the user recognizes that the magnetic data of the credit-integrated IC cash card has been corrupted at an arbitrary timing of the user (for example, the magnetic data of the credit-integrated IC cash card has been corrupted. You can go at the timing).

The magnetic repair code data generation unit 314 accepts from the user the selection of the target card for the card magnetic repair transaction (S204). When a plurality of card information is registered in step S202 described above, the user may select the card information via a predetermined selection screen displayed on the display unit 35. In addition, the selection of the target card may be accepted from the input of the membership number of the credit card. If the number of registered card information is one in step S202, the step S204 may be omitted.

The magnetic repair code data generation unit 314 uses the camera 34 to take a face image of the user for identity verification (S205).

The magnetic repair code data generation unit 314 makes an inquiry to the card issuing company based on the membership number of the target card (credit card), and the account information of the financial institution for payment (financial institution code, store number, subject, account number, etc.) and The magnetic data of the target card is specified (S206). That is, the magnetic repair code data generation unit 314 accesses a server that manages the target card (such as a server that manages credit cards) via the mobile phone network and acquires magnetic data.

The magnetic repair code data generation unit 314 has the magnetic data of the target card acquired in the above step S206, the account information for payment of the target card registered in the above step S202, and the user's face image taken in the above step S205. The feature data extracted from the above and the magnetic repair code data D including the expiration date of this code data are generated (S207).

The magnetic repair code data issuing unit 315 displays the magnetic repair code data D generated in the above step S207 on the display unit 35 (S208). Further, the magnetic repair code data issuing unit 315 may send the generated magnetic repair code data D to the e-mail address specified by the user.

(B-2-2) Features of ATM1 Operation (Processing of card magnetic repair transaction performed using magnetic repair code data D)
In the ATM 1, the processing of the card magnetic repair transaction performed by using the magnetic repair code data D held by the mobile terminal 3 is basically the same as the flowchart of FIG. 7 described above, except that the target is a credit-integrated IC cash card. The same is true. Therefore, detailed description thereof will be omitted here.

(B-3) Effect of the Second Embodiment As described above, according to the second embodiment, that is, the ATM1 is the person himself / herself using the magnetic repair code data D including the facial feature data and the card information. The following effects can be obtained by confirming the validity of the card and magnetically repairing the credit-integrated cash card.

(1) Compatible with each financial institution's credit-integrated IC cash card The host computer of the financial institution that owns the ATM can use the account information of the financial institution received from the ATM to determine whether or not a credit card has been issued, the credit card issuing company, etc. It was necessary to identify various types of information. Therefore, the cards that can be magnetically repaired are only those that have the account information of the financial institution that owns the ATM.

However, in the ATM 1 of the second embodiment, the validity of the inserted card can be confirmed by using the account information stored inside the magnetic repair code data D. Also, by using the magnetic data of the credit card stored inside the magnetic repair code data D,
It is not necessary to acquire various information such as credit card issuing companies.

(2) No need to communicate with the host computer or the system of the credit card issuing company In the conventional system, the ATM needs to receive the magnetic data of the credit card from the host computer. In order to acquire the magnetic data of the credit card, the host computer needs to connect to the system of the issuing company of the credit card via a network and receive the magnetic data of the credit card.

However, in the second embodiment, by using the magnetic data of the credit card encrypted inside the magnetic repair code data D, the magnetic stripe of the card can be used without connecting to the host computer or the system of the credit card issuer. Can be repaired. Therefore, it is possible to reduce the cost of developing and operating the system related to data transmission / reception with the host computer.

(C) Third Embodiment The third embodiment of the information processing apparatus and the automated teller machine according to the present disclosure will be described in detail with reference to the drawings.

In the second embodiment, an example of repairing the magnetic data of the magnetic stripe of the credit-integrated IC cash card is shown, but in the third embodiment, the magnetic data of the credit-integrated IC cash card in which the magnetic data is damaged is shown. An example of repairing by rewriting the data to the magnetic data of the cash card is shown.

As mentioned above, if the data of the magnetic stripe of the card is damaged, the ATM cannot read the credit card information, so the credit card transaction cannot be performed. Furthermore, since the ATM cannot read the magnetic data, it cannot confirm that there is an account of a financial institution in the IC chip (more specifically, the validity code held by the magnetic data cannot be confirmed). Therefore, transactions using the accounts of financial institutions will not be possible.

There is also a function to repair the data of the magnetic stripe of the card at the ATM, but when repairing the magnetic data of the credit-integrated IC cash card, the ATM and the host computer need to acquire the magnetic data of the credit card. It is necessary to connect to the issuing company's system via a network and receive the magnetic data of the credit card.

In order for ATMs to send and receive credit card magnetic data using the above method, it is necessary to build a network between financial institutions and credit card issuers, develop common systems, link operations, and maintain system costs. Therefore, a huge cost was required to realize the function.

In the third embodiment, in view of the above, even if the magnetic data contained in the medium is destroyed, an example is shown in which both the user and the financial institution can efficiently deal with it.

(C-1) Configuration of Third Embodiment The configuration of the ATM, the host computer, and the transaction system of the third embodiment is described in the first embodiment using FIGS. 1 to 3 and 5 described above. Since it is the same as the form, the description thereof will be omitted. However, in the third embodiment, the mobile terminal 3 used in the first and second embodiments is not used. That is, it is not necessary for the user to generate the magnetic repair code data D in advance. In the third embodiment, the processing of the transaction processing unit 11 of the ATM 1 (control unit 10) is different from that of the first and second embodiments. Therefore, this point will be mainly described below.

When the transaction processing unit 11 of the third embodiment receives the insertion of a credit-integrated IC cash card whose magnetic data is broken, the transaction processing unit 11 rewrites the magnetic data of the card from the original credit card to the magnetic information of the cash card. Further details of the transaction processing unit 11 will be described in the section of operation.

(C-2) Operation of the Third Embodiment Next, the characteristic operation of the transaction system 1000 according to the third embodiment will be described in detail with reference to the drawings.

FIG. 10 is a flowchart showing a characteristic operation of an ATM (a process of repairing by rewriting magnetic data from credit card information to cash card information) in the transaction system according to the third embodiment. It is assumed that the cash card used in ATM1 is a credit-integrated IC cash card.

First, in ATM 1, it is assumed that the transaction selection screen is displayed on the operation display unit 12 based on the control of the transaction processing unit 11 as the initial state (user waiting state). For example, the transaction selection screen T1 as shown in FIG. 8 described above. Then, the transaction selection from the user is accepted (S301). Here, it is assumed that some transaction (withdrawal transaction, etc., or "card magnetic repair transaction", which is a dedicated transaction) performed using the card is pressed (selected) by the user on the above-mentioned transaction selection screen.

Next, the transaction processing unit 11 causes the operation display unit 12 to display a screen requesting the insertion of a card (for example, a screen displaying a message such as "Please insert a cash card"), and causes the user to insert the card. It is inserted (S302). Here, it is assumed that the credit-integrated IC cash card is inserted into the card entrance / exit 13 by the user.

Next, the transaction processing unit 11 controls the card processing unit 70 to read magnetic data from the magnetic stripe of the credit-integrated IC cash card (S303).

Next, the transaction processing unit 11 confirms whether or not the magnetic data reading process has been performed normally (S304). If the magnetic data is normally read, the transaction processing unit 11 proceeds to step S305 described later, while if the magnetic data is not read normally, the transaction processing unit 11 proceeds to step S306 described later. Transition.

If the reading of the magnetic data fails, the operation display unit 12 may display a screen notifying the user that the magnetic data of the card is to be repaired.

Next, in step S304 described above, the transaction processing unit 11 finds that the magnetic data of the card is normal when the magnetic data reading process is normally performed, so that the transaction processing unit 11 shifts to a normal transaction ( S305).

On the other hand, when the magnetic data reading process is not normally performed (reading fails) in step S304 described above, the card processing unit determines whether or not the inserted card is a card to be magnetically repaired. The 70 is controlled to confirm the presence or absence of the IC chip, and if the IC chip is present, the data in the IC chip is read (S306).

Next, the transaction processing unit 11 confirms the processing result of the above step S306 (S307). That is, if the IC chip does not exist in the card or the data cannot be read due to damage to the IC chip, the transaction processing unit 11 cannot confirm that the card is the target of magnetic repair, and therefore various media including the card. Is returned, and the process proceeds to step S315 to end the transaction. In this case, the transaction processing unit 11 may display an error screen on the operation display unit 12 stating the reason why the card magnetism cannot be repaired. On the other hand, the transaction processing unit 11 confirms the existence of the IC chip on the card, and if the data can be read, performs the following processing.

The transaction processing unit 11 acquires financial institution account information (financial institution code, branch number, subject number, account number, number of card issuance, expiration date, etc.) from the data read from the IC chip, and the card is subject to magnetic repair. It is determined whether or not the card is (S308).

Next, the transaction processing unit 11 confirms the processing result of the above step S308 (S309). That is, when the card is not subject to magnetic repair, the transaction processing unit 11 proceeds to step S315 described above. On the other hand, when the card is a target for magnetic repair, the transaction processing unit 11 performs the following processing.

When executing the magnetic repair of the card, the transaction processing unit 11 performs a predetermined authentication process (for example, authentication by a personal identification number, biometric authentication, password, etc.) so that another person does not perform the magnetic repair of the card (S310). If the authentication fails, the transaction processing unit 11 proceeds to step S315 described above, and if the authentication succeeds, performs the following processing.

The transaction processing unit 11 transmits the account information acquired from the IC chip of the card in step S308 to the host computer 2 (S311). The host computer 2 comprehensively confirms the status of the account and the validity of the card from the account information received from the ATM 1, determines whether or not the card can be magnetically rewritten, and the result (in the case of rewriting, repair). (Including magnetic data) is transmitted to ATM1.

Next, the transaction processing unit 11 proceeds to step S315 described above when the response result from the host computer 2 is not magnetically rewritable on the card, while the transaction processing unit 11 proceeds to the next step when the magnetically rewritable card is possible. Processing is performed (S312).

When the transaction processing unit 11 receives the card magnetic rewritable and the card magnetic data (cash card magnetic data) from the host computer 2 in step S312 described above, the transaction processing unit 11 controls the card processing unit 70 to receive the data. The magnetic data is written on the magnetic stripe of the card (S313).

Next, the transaction processing unit 11 confirms the processing result of the above-mentioned step S313 (S314). That is, when the magnetic writing of the card fails due to deterioration or physical damage of the magnetic portion of the card, the transaction processing unit 11 proceeds to step S315 described above and ends the transaction. In this case, since the transaction processing unit 11 may have some data written on the magnetic stripe of the card, the transaction processing unit 11 controls the card processing unit 70 to prevent an illegal state, and the entire magnetic data. May be rewritten to invalid magnetic data.

On the other hand, the transaction processing unit 11 performs the following processing when the magnetic writing of the card is completed normally. Since the magnetic writing of the card is completed normally, the magnetic data of the card is rewritten from the original credit card information to the cash card information.

Next, since the transaction processing unit 11 will not be able to perform credit-related transactions that were initially possible with ATM 1, a screen for notifying the user to that effect (hereinafter, also referred to as a "magnetic data change explanation screen"). ) Is displayed on the operation display unit 12 (S316).

FIG. 11 is an explanatory diagram showing an example of the magnetic data change explanation screen according to the third embodiment.

In FIG. 11, the magnetic data change explanation screen T2 shows a message M1 indicating that the repair was attempted because the magnetic information of the card (credit integrated IC cash card) held by the user was damaged, and the credit card. Confirmation of the contents of the message M2 indicating that the magnetic data has not been repaired, the message M3 indicating that the procedure for reissuing the card is required if the magnetic stripe of the credit card is to be used, and the above messages M1 to M3. It is provided with a confirmation button B1 for accepting. The messages M1 to M3 shown in FIG. 11 are examples, and the wording to be displayed varies. Further, it is not necessary to display all the messages, and for example, the message M3 may be omitted.

Next, when the transaction processing unit 11 completes writing the magnetic data of the card and receives confirmation from the user via the magnetic data change explanation screen, it confirms whether or not there is a continuous transaction (S317). The transaction processing unit 11 proceeds to step S319 when there is a continuous transaction. On the other hand, if there is no continuous transaction (when the dedicated transaction for card magnetic repair (card magnetic repair transaction) is selected in S301 described above), the process proceeds to step SS18.

If the transaction processing unit 11 has selected the card magnetic repair transaction, the transaction processing unit 11 returns various media including the card and terminates the transaction (S318).

On the other hand, if there is a continuous transaction (when a withdrawal transaction or the like is selected in step S301 described above), the transaction processing unit 11 starts the selected transaction (S319).

In steps S301 to S319 described above, a credit-integrated IC cash card has been described as an example as a medium for performing magnetic repair. However, even when performing magnetic repair of a normal cash card, steps S301 to S319 described above have been described. Processing can be applied. In this case, in step S316 described above, for example, the magnetic data restoration explanation screen as shown in FIG. 12 is displayed on the operation display unit 12.

In FIG. 12, the magnetic data repair explanation screen T3 shows a message M2 indicating that the repair was attempted because the magnetic information of the card (cash card) held by the user was damaged, and confirmation of the contents of the message M2. It is provided with a confirmation button B2 for accepting. The message M4 shown in FIG. 11 is an example, and the wording to be displayed varies.

(C-3) Effect of Third Embodiment As described above, according to the third embodiment, that is, the ATM1 uses the magnetic data of the credit-integrated IC cash card whose magnetic data is damaged as a financial institution. The following effects can be obtained by rewriting the magnetic data of the cash card of.

First, the credit-integrated IC cash card after rewriting the magnetic data cannot be used for credit transactions at ATM1, but transactions using the account of a financial institution as a cash card will continue to be possible.

Second, the host computer 2 can restore the magnetic data of the credit-integrated IC cash card without communicating with the credit card issuing company.

(D) Other Embodiments The present disclosure is not limited to each of the above embodiments, and modified embodiments as illustrated below can also be mentioned.

(D-1) In the first embodiment, an IC cash card is taken as an example of a medium for repairing magnetic data, and in the second embodiment, a credit-integrated IC cash card is taken as an example to explain the present disclosure. However, as a modification, the present disclosure can be applied even when the magnetic data of a credit card provided with an IC chip is restored. In this case, the application of the credit card issuing company is installed on the mobile terminal 3 and the magnetic repair code data D is generated by the same procedure. The magnetic data repair process may be performed by the ATM 1, and the magnetic repair code data D can be read, the medium can be processed (IC chip read, magnetic stripe read, write, etc.), and the identity verification process can be performed. It may be an information processing terminal provided with.

(D-2) In the first embodiment, an IC cash card is taken as an example of a medium for repairing magnetic data, and in the second embodiment, a credit-integrated IC cash card is taken as an example to explain the present disclosure. However, as a modification, the present disclosure can be applied even when the magnetic data of the passbook is restored. In this case, since the passbook does not have an IC chip, the method of the first embodiment can be applied by inserting the cash card into the ATM 1 at the same time as the passbook and using the data of the IC chip of the cash card.

(D-3) In the first embodiment, the magnetic data received from the host computer 2 is used as it is when the magnetic repair code data D is generated, but the magnetic data is obtained from the account information of the registered cash card. The magnetic data according to the standard of the above may be created, and the magnetic repair code data D including the magnetic data may be generated. In addition, in order to create data in accordance with the magnetic data standard from the registered cash card account information, if there is insufficient information, for the insufficient information, obtain the information from the host computer etc. and then magnetic data. May be completed.

(D-4) As a modification, the ATM 1 and the mobile terminal 3 combine all or part of the configurations and / or functions of the modifications described in each of the above embodiments (D-1) to (D-3). You may use it. Further, the ATM 1 and the mobile terminal 3 may omit at least a part of the configurations and / or functions of the embodiments described above and the modifications described in (D-1) to (D-3). Alternatively, at least a part of the configuration and / or the function of each of the above embodiments and the modifications described in (D-1) to (D-3) can be incorporated into other embodiments and (D-1) to (D-3). ) May be replaced with the configuration and / or function of the other modification.

Claims (6)

1. At least, a code information reading unit that reads code information including feature data of a user's face image, account information of a medium, and magnetic data for writing in a magnetic storage unit of the medium.
   A card processing unit that reads and writes magnetic data in the magnetic storage unit of the inserted medium and reads data stored in the IC chip of the medium.
   The shooting department that shoots the user's face image and
   With the processor
   Equipped with
   The processor
   The validity of the medium is determined by comparing the account information in the IC chip of the medium read by the card processing unit with the account information of the medium included in the code information read by the code information reading unit. death,
   The feature data of the user's face image taken by the photographing unit is compared with the feature data of the face image included in the code information read by the code information reading unit to confirm the identity.
   When the validity of the medium and the identity of the user were confirmed, the card processing unit was controlled to read the magnetic data of the magnetic storage unit of the inserted medium by the code information reading unit. An information processing device configured to rewrite the magnetic data contained in the code information.
2. The code information read by the code information reading unit includes an expiration date and has an expiration date.
   The information processing device according to claim 1, wherein the processor is further configured to suspend a transaction for rewriting magnetic data when the expiration date exceeds the current time.
3. The information processing device according to claim 1 or 2, wherein the medium is a cash card or a credit-integrated cash card.
4. The information processing device according to any one of claims 1 to 3, wherein the code information is a two-dimensional bar code equipped with a security function.
5. A card processing unit that reads and writes magnetic data in the magnetic storage unit of the inserted medium, and reads data stored in the IC chip of the medium.
   With the processor
   Equipped with
   The processor
   When the card processing unit fails to read the first magnetic data in the magnetic storage unit of the medium, the account information stored in the IC chip of the medium is read.
   Based on the read account information, a second magnetic data for writing to the magnetic storage unit of the medium is acquired from an external device, and the second magnetic data is acquired.
   An automated teller machine configured to control the card processing unit to rewrite the first magnetic data of the inserted magnetic storage unit of the medium to the second magnetic data.
6. The medium is a credit-integrated cash card.
   The automated teller machine according to claim 5, wherein the first magnetic data is credit card information and the second magnetic data is cash card information.

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