JPH0636163B2 - Automatic trading device by magnetic card - Google Patents

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device using a magnetic card, and more particularly to a transaction device capable of handling a plurality of types of magnetic cards having different magnetic stripe storage formats. is there.

[Background of the Invention]

Taking the example of an automated teller machine, the magnetic cards used here have traditionally been uniquely unified in magnetic storage position, storage format, and content according to the Bank Standard, so mutual access by financial institutions is not possible. Was easily realized only by checking the company code. However, in recent years, with the spread of the caching service by distribution agencies such as credit and credit companies, there is a growing trend to adopt magnetic cards that comply with international standards. Since the number of tracks, the storage length of data, and the stored contents are different from the conventional magnetic card, a dedicated transaction device must be prepared separately.

In addition, magnetic cards are issued for many purposes such as company cards for purchasing meal tickets, personal cards for credit information inquiry, shopping cards for department stores, etc. Since the memory format of the above is different, an automatic transaction device corresponding to each kind of magnetic card is required.

Under such circumstances, in order to carry out mutual loading of other companies or mutual loading of different types, an automatic transaction device for handling a plurality of types of magnetic cards has been desired.

[Object of the Invention]

The present invention has been made in view of the above points, and an object of the present invention is to automatically discriminate each of a plurality of types of magnetic cards having different storage formats, and to automatically perform transactions by these various magnetic cards. To obtain an automatic transaction device that can start

[Outline of Invention]

In order to achieve the above-mentioned object, the feature of the present invention resides in that reading means for reading track information of the magnetic stripe from each of a plurality of types of magnetic cards having different magnetic stripe storage formats, and reading by the reading means. Validity determining means for determining validity of track information; card information storing means for storing identification information of each type of magnetic card in advance for a plurality of types of magnetic cards having different magnetic stripe storage formats; The handling card selecting means for comparing the track information of the magnetic card validated by the discriminating means with each identification information stored in the card information storing means and discriminating the coincidence of both information is provided, and the handling card selection is performed. The automatic transaction device using a magnetic card that starts a transaction when a match is determined by .

Further, according to a preferred embodiment of the present invention, the card information storage means includes a storage column for storing individual information according to the type of each magnetic card, or a storage unit for storing identification information consisting of the information size of the individual information. Prepare

According to the above structure, the identification information of each type of magnetic card is previously stored in the card information storage means for a plurality of types of magnetic cards having different magnetic stripe storage formats, and the track of the magnetic card read by the reading means is stored. The information is compared with each piece of identification information stored in the card information storage means by the handleable card selection means to determine whether the two pieces of information match. Then, since the transaction is started when the handleable card selection means determines this match, any validity of the magnetic card is determined by the validity determination means and stored in the card information storage means. If one of a plurality of predetermined magnetic cards, the user can automatically start the transaction just by setting the magnetic card in the device, and an automatic transaction device that is extremely easy for the user to handle. Obtainable. That is, according to the present invention, it is possible to obtain an automatic transaction device capable of automatically discriminating each of a plurality of types of magnetic cards having different storage formats and automatically starting a transaction by these various magnetic cards.

Example of Invention

Hereinafter, one embodiment of the present invention will be described. The present invention is not particularly limited, but in the following description, the description will be continued by taking an automatic teller machine installed in a bank or another place as an example. FIG. 1 is a block diagram showing the structure of the automatic cash payment apparatus and the flow of control signals. That is, the automated teller machine stores an operation display unit 10 including a display unit for displaying operation procedures or other messages and a keyboard unit for inputting transaction type / amount, and a magnetic card for storing in the magnetic card. A card reading unit 20 as a reading unit for reading the stored information,
A voucher issuing unit 30 for issuing a voucher in which transaction details are entered,
A bill paying unit 40 for paying out bills of a denomination and an amount of money according to the transaction content, a control unit 50 for controlling each of these components, and a connecting unit 60 for transmitting / receiving necessary information to / from a central management center. Composed of. The control unit 50 receives the input data 10b from the operation display unit 10 and the input data 20b from the card reading unit 20, the input control unit 51, and the operation display unit 10 and the card reading unit according to the processing result or the determination result. Output data 10a, 20 for operating the section 20, the slip issuing section 30, and the bill paying section 40, respectively
a, 30a, 40a, an output control unit 54, a card information registration unit 52 as a card information storage unit that stores card information of a magnetic card that can be handled, and further, input / output control units 51 and 54, card information registration. The processing control unit 52 controls overall processing such as information exchange with the central management center via the unit 52 and the connection unit 60 according to a control procedure stored in the main memory 55 in advance.

Continuing the description in more detail, the card reading unit 20 of the embodiment can read the track information of the magnetic stripe 1 track on the front surface and the magnetic stripe 3 track on the back surface of the magnetic card 70 at the same time as shown in FIG. Guide head 71 and read heads 2 on both sides of it.
01 and 202 are arranged. The magnetic head 202 arranged on the back surface side of the magnetic heads arranged facing each other is composed of a compound head in which three gears are arranged on a straight line so that three tracks on the back surface 70b side of the magnetic card 70 can be read at the same time. 205 and 206 are a drive tension roller and a drive roller for conveying the magnetic card 70. This drive tension roller 20
A plurality of drive rollers 206 and drive rollers 206 are provided with the guide way 71 interposed therebetween as necessary. Further, the magnetic heads 201 and 202 are attached via an appropriate supporting mechanism.

Next, FIG. 3 is a diagram showing the relationship between the card information table stored in advance in the card information registration unit 53 and various magnetic cards. (A) shows the contents of the card information table, and (b) shows one track on the front side. The figure which shows the memory format of the magnetic card 70A of the company A which is used, (c) the figure which shows the memory format of the magnetic card 70B of the company B which also uses one surface track, (d) and (e) respectively It is a figure which shows the memory format of two types of magnetic cards 70C and 70D of C company which uses a 2nd track. In (b), (c), (d), and (e) in the figure, arrows indicate the recording direction of magnetic information (the insertion direction of the magnetic card 70), STX is the start column of each track information, and ETX is each The track information end column, BCC, is a column for storing check information provided to confirm whether the track information from the start column STX to the end column ETX has been read correctly. Also,
The numbers in the figure are for indicating the number of allocation columns of track information. Such various magnetic cards 70A, 70
Identification information for identifying B, 70C, 70D is shown in the figure.
It will be created in advance as a card information table as shown in (a). That is, the first column of the card information table shows the track classification including the identification information. For example, 1 is the front track, 2 is the back first track, 4 is the back second track, and 8 is the back surface. The third track is shown respectively. The third column and the fourth column show the start column in which individual information such as the company code or transaction group code included in the track information is stored and the storage size of the individual information in column numbers. The fifth column shows a state in which individual information such as a company code or a transaction group code in an actual transaction relationship (handleable) is stored. Also, the card classification in the second row is provided for managing the payment aggregation of the automatic cash payment apparatus, for example, the number of payments and the amount of payment, 0 is a magnetic card 70C or 70D of another company, 1 is a company's own caching Cards 2 correspond to the employee card of the company. That is, the first line of this card information table shows the track number for identifying the magnetic card 70A, the storage column of the individual information, the information size of the individual information, and the identification information consisting of the individual information. Eyes are magnetic card 70
B, 3rd line is magnetic card 70C, 4th line is magnetic card 7
It shows identification information for identifying 0D. Further, the card information table can be added with information about columns stored for each personal identification number, information about columns storing information about the owner of the magnetic card, or the like as necessary.

Next, the operation of the automatic teller machine constructed in this way
It will be described with reference to the drawings. First of all, prior to starting customer transactions,
Although not described in detail, the processing control unit 52 reads out the initialization program 55a stored in the main memory 55 in advance via the data bus 59, and performs the initialization through the connection unit 60 according to the initialization program 55a. Send the message to the central management center. Then, the management center sends back a response message including identification information of various magnetic cards registered as handleable at that time. Therefore, the processing control unit 52 fetches the reply message from this management center via the connection unit 60, decodes or redistributes it, and stores it in the card information registration unit 53 as a card information table. . When the work of fetching the card information table is completed, the automated teller machine can carry out customer transactions.

Next, the processing control unit 52 reads out the main program 55b for customer transactions and enters a standby state. When the magnetic card 70 is inserted into the card reading section 20 in this state, a card detector (not shown) detects this and detects the input data 20b.
As a result, a signal for starting a transaction is transmitted to the processing control unit 52 via the input control unit 51. Then, the processing control unit 5
2 is the magnetic card 7 through the output controller 54 according to the main program 55b which is sequentially read from the main memory 55.
Output data 20a for reading 0 track information
Is transmitted to the card reading unit 20. This output data 20a
When the drive roller 206 is driven by, the magnetic card 70 is inserted only along the guideway 71. By moving the magnetic card 70, the two magnetic heads 201, 201
The track information of the four sets of the four magnetic stripes read by 02 is subjected to signal processing and then stored as the input data 20b in the work area 55c once provided in the main memory 55 via the input control unit 51. Is stored. The reading process of each track information of the magnetic card 70 is shown by step 301 in FIG. Next, the processing control unit 52 sequentially reads each track information stored in the work area 55c one track at a time in step 302, and determines the validity of the track information. This is performed by a conventionally known method for the information from the start column STX of the track information to the end column ETX, based on the state of the column BCC storing the check information. As a result of checking the track information, when it is determined that all four sets of track information cannot be used, in step 303, the output control unit 54
Through the output signal 10a to the operation display unit 10 to display a guidance that the inserted magnetic card 70 cannot be used, and to output the output signal 20a to the card reading unit 20.
To the magnetic card 7 by reversing the drive roller 206.
Returns 0. When it is confirmed that the magnetic card 70 has been received by the operator, the process of step 303 is completed, and the series of processes is completed. If it is confirmed in step 302 that there is valid track information, this valid track information is further stored in step 304.
In comparison with the card information table stored in the card information registration section 53, it is determined whether the card information can be handled. Specifically, the processing control unit 52 determines the track section of the track information that is determined to be valid according to the card information table, reads the storage column and storage size including the individual information from this track section, and reads the storage column and storage size The information corresponding to the above is cut out by considering it as individual information from the previously determined track information, and the cut out information is a target of comparison of the individual information. In this way, according to the three conditions of the track classification of the card information table, the storage column, and the storage size, the valid track information is cut out one after another, and the cut out information is regarded as individual information, and the individual information of the card information table is regarded as the individual information. It is to sequentially compare and determine whether it can be handled. In spite of the series of comparison / inquiry work in step 304, the magnetic card which is not determined to be handleable is subjected to the step 303 and the following steps described above to complete the series of steps. If the track information validated in step 302 matches the individual information in the card information table in step 304 and it is determined that the card information table can be handled, in order to display the guidance for inputting the personal identification number in the next step 305. Output control unit 54
Through the operation display unit 10.

The processing after the guidance display for inputting the personal identification number of step 305 is the same as the operation of the conventional automatic teller machine, and therefore the outline of the processing after that will be described. That is, steps 305 and 30
No. 6,307, based on the guidance display, the validity of this key input information after key inputting the personal identification number, cash withdrawal or balance inquiry, and in the case of cash withdrawal, repayment conditions etc. Is repeated, and finally the contents of the transaction entered by the key are confirmed. If it is determined in step 307 that the key input information is invalid, or if the cancellation of the transaction is instructed when confirming the transaction content, step 308 is performed.
Subsequent processing is performed, the guidance requesting the input operation again is displayed, and the magnetic card 70 is returned. When the key input for transaction confirmation is confirmed in step 307, the processing control unit 52 performs the processing of step 309 and the subsequent steps. That is, in step 309, the guidance indicating that the calculation process is being performed is displayed, and the track information read by the card reading unit 20 and determined to be valid,
After the personal identification number keyed in from the operation display unit 10 and the information about the desired transaction content, or the content of the card information table corresponding to the inquiry work of the magnetic card 70, etc., is edited as a transmission message, the connection is made. It is transmitted to the central management center via the section 60. After judging the validity of the received message at the management center, the necessary processing such as the password and magnetic card validity judgment and balance confirmation is performed, and the result is edited as a reply message.
This reply message is returned.

The cash automatic payment apparatus receives the reply message via the connection unit 60, and first determines the validity of the reply message in step 310. As a result, if it is determined that the reply message is abnormal, in step 311, a guidance message is displayed to the effect that the subsequent processing is handed over to the attendant, and the processing ends. When it is determined that the reply message is legitimate, the subsequent steps 312, 313, and 314 are executed based on the contents of the reply message. That is, when a slip print command is issued in step 312, this is printed, and in step 313, while displaying various guidance, the magnetic card 70 is returned by step 314 and necessary statement forms are printed. In the case of cash payment and cash payment, bills are counted and totaled, and then the cash is discharged. Then, at step 315, the magnetic card 70, the detailed slip,
If the receipt of cash is confirmed, the next step 316
After confirming whether or not the next transaction can be performed continuously, the series of processing operations are ended. Step 315,
If any abnormality is found in 316, the processing after step 311 described above is executed.

By the way, when initializing the automatic teller machine in the above-described embodiment, information on the total number of magnetic cards that can be handled is read from the central management center to create a card information table. It is also possible to perform it when necessary or when necessary, and only the identification information of a magnetic card that can be newly handled, a magnetic card that can not be handled, or a magnetic card whose track information has been changed can be centralized. It is also possible to receive more and re-edit the card information table. By adopting such a method, the communication time with the central management center can be shortened. Further, it is possible to receive such information regarding addition, deletion, and change of the magnetic card in a form added to the reply message from the center when making various inquiries to the center. Of course, such card information is
It can also be supplied by a data tape, a flexible diskette or other storage medium.

Further, in FIG. 2, magnetic heads 201, which are provided facing each other,
An example has been shown in which the magnetic card 70 is passed between 202 and the track information on both sides of the magnetic card 70 is read. However, as shown in FIG. 5, the magnetic heads 201 and 202 can be provided separately. In this case, 203 and 204 are magnetic head tension rollers for bringing the magnetic card 70 into close contact with the respective magnetic heads 201 and 202. Further, in the embodiment, the composite head is used to read the track information on the back surface 70b of the magnetic card 70, which is the guide weight 71 and the magnetic head 202 of the magnetic card 70.
Of the magnetic head 70 is configured to be movable in units of the width of each magnetic stripe, and the drive mechanism of the magnetic card 70 is configured to pass through the magnetic head 202 a plurality of times. However, it is possible to read multiple pieces of track information.

Further, in the embodiment, the card information table storing the track information of the magnetic card and the sequential file structure are used. However, this may be an index sequential file structure in which the track division or the storage column is used as an index as required. It is also possible, and other file configurations are possible.

Further, in the embodiment, the example in which the magnetic card can be identified by only one track information is shown. However, in this case, the magnetic card can be identified only by combining a plurality of track information. In this case, it is necessary to add in advance as table information of the card information table that other track information should also be referred to.

Furthermore, in the embodiment, the explanation has been given only to the automatic cash payment device, but the present invention is not limited to this.
It can be applied to an automatic transaction device that uses various credit cards or shopping cards.

〔The invention's effect〕

As is clear from the above description, according to the present invention, the card information storage means stores in advance the identification information of each type of magnetic card for a plurality of types of magnetic cards having different magnetic stripe storage formats, and the reading means. The track information of the magnetic card read in step 1 is compared with each piece of identification information stored in the card information storage means by the handleable card selection means to determine whether the two pieces of information match. Then, since the transaction is started when the handleable card selection means determines this match, any validity of the magnetic card is determined by the validity determination means and stored in the card information storage means. If one of a plurality of predetermined magnetic cards, the user can automatically start the transaction just by setting the magnetic card in the device, and an automatic transaction device that is extremely easy for the user to handle. Obtainable. That is, it is possible to obtain an automatic transaction device capable of automatically discriminating each of a plurality of types of magnetic cards having different storage formats and automatically starting a transaction with these various types of magnetic cards.

[Brief description of drawings]

FIG. 1 is a block diagram for explaining the outline of the apparatus of one embodiment of the present invention, FIG. 2 is a schematic diagram for explaining the configuration of the card reading section of the embodiment apparatus, and FIG. 3 is card information. 4 is a schematic diagram for explaining the structure of the table and the structure of the storage format of the magnetic card, FIG. 4 is a flow chart for explaining the operation of the embodiment apparatus, and FIG. 5 is the structure of another embodiment of the card reading unit. 3 is a schematic diagram for explaining. 20 ... reading means, 53 ... card information storage means,
70 ... magnetic card, 302 ... validity determining means, 30
4 …… Handable card selection means

Claims (2)

[Claims] 1. A reading unit for reading track information of the magnetic stripe from each of a plurality of types of magnetic cards having different magnetic stripe storage formats, and a validity determination for determining the validity of the track information read by the reading unit. Means, card information storage means for storing in advance identification information of each type of magnetic card for a plurality of types of magnetic cards having different magnetic stripe storage formats, and the magnetic card determined to be valid by the validity determining means. It is equipped with a handleable card selection means for comparing the track information of each with the respective identification information stored in the card information storage means and for determining a match between the two pieces of information, and the transaction is performed when the handleable card selection means determines a match. Automatic transaction device with magnetic card to start. 2. The card information storage means is provided with a storage column for storing individual information according to the type of each magnetic card or a storage unit for storing identification information consisting of the information size of the individual information. An automatic transaction device using the magnetic card according to claim 1.