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

Description

1362630 27203pif 九、發明說明： 【發明所屬之技術領域】 本發明是關於出現輯時切換自動交隸 證方 法的系統。 【先前技術】 先前’在銀行、信用合作社、郵局等金機構開設帳 戶的顧客’齡設置在上述金融機構的支料處的舰 (Automatic Teller Machine :自動櫃員機）、cd (⑽1362630 27203pif IX. Description of the Invention: [Technical Field to Which the Invention Is Ascribed] The present invention relates to a system for switching an automatic registration method when a sequence is generated. [Prior Art] Previously, customers who opened accounts in banking institutions such as banks, credit cooperatives, and post offices are equipped with ships (Automatic Teller Machine) and cd ((10)

Dispense提款機）等自動交易裝置時，使用的是金融卡。 就該金融卡的麵Μ，有具備磁絲作為記憶帳號等資 訊的記憶手段的磁卡，及賤Ic (Integmed㈤也，積體 電路）來作為上述記憶手段的Ic卡。 然而’未必是所有自動交易裝置均能適用於1C卡，亦 存，僅能*賴卡純衫理IC卡料適^ic卡的自 動父易裝置。又’未必是所有金融卡均為1(：卡，亦有很多 顧客使用不具備1C之磁卡。 由此’ 1C切具備磁條，以便於能在不適用於IC卡 的自動交易裝置上使用。又，可受理忙卡的適用於1(:卡 的自動交終置中亦具備能制條上所記憶之#訊即磁性 資料進行讀取、S人、刪除等的卡片讀寫器（eani reader wnter) ’以便於能受理磁卡（例如參照專利文獻 而且，作為上述_於1(：卡的自動交易裝置，當將金 融，***至卡片插槽（eard slGt)中時，首先，讀出磁條中 所記憶的磁性資料，若該雖㈣内含有表示是ic卡的資 27203pif 訊’則執行用於作為IC卡來操作的處理。 又，上述適用於1C卡的自動交易裝置，與設 機構的電腦中心等處的基本形認證伺服器連接著。而且， ，執行用於作為1(：卡來操作的處理時，將記憶在K卡的 的生物認證資訊等認證資訊從自動交易裝置發送至 -土，幵/„心。且伺服器，該基本形認證飼服器根據上述認證資 ^來進行基本形認證。此處’作為基本形認證是指由主 ，（飼服器）來進行認證的方式’而先前的於AT·* ecure APPlication Module，安全應用模組）上進行認證的 方式稱作經過期間認證。 【專利文獻1】曰本特開2003-132228號公報 【發明内容】 服-ΐ ^上述先㈣自動交易裝置中，在基本形認證飼 :艮：產生某種故障的情況下，無法進行基本形認證，因此 無法使用1C卡執行金融交易。 t發明為了解決上述先前問題，目的在於提供一種自 裝置5忍證切換系統，其在基本形認證伺服器產生故 況下，變更自動交易裝置的設定，以便根據記憶在 =的^令的磁性資料來執行金融交易，藉此，即便無 ^進;^基本形認證，亦可使用記憶於磁條中的磁性資料來 執行金融交易。 ，此’本發明的自動交易裝置認證切換系統中，包括： 作卡片處理部及顧客操作部’由顧客操 進仃金n該卡片處理部能讀取及寫人具備磁條 27203pif t IC的卡㈣磁性資料及IC㈣，顧客操作部受理金融 機構的顧客的操作；基本形認鋪㈣，無自動交易裝 置連接著，減上itic資财所含的繼t訊來進行基本 =了也’及監視贿H ’與該基本形認證伺服器及該自動 ^易裝置連接著，對上述基本職湘㈣及上述自動交 f裝ί進行監視；上述監視健器’在❹。職本形認證 =器出現故?時，能變更上述自動交錄置的設定，僅 根據上述磁性資料來執行金融交易。 本發明的另-自動交易裝置認證切換系統中，進而， t述監視舰11變更上述自動交錄置的設定，來變更能 執行的金融交易的種類。 t發明的又-自動交易裝置認證娜系統中，進而， ίίί視舰11變更上述自動交易裝置的奴，來變更交 [發明之效果] ;根據本發明，自動交易裝置認證切換系統 ，證伺服器產生故障的情況下’變更自動交易^的設 疋’以便於根據卡片的磁條中所記憶的磁性 融交易。藉此’顧客即便是在紐根據卡片的、Ic = 的認證資訊騎基本雜證的航τ，亦 J置，根據卡片的磁條中所記憶的磁性資料來執 = 【實施方式】 以下，參照圖式對本發明的實施方式加以詳細說明。 丄的2630 27203pif 圖1是顯示本發明的實施方式中的自動交易裝置認證 切換系統的構成圖。When using an automatic trading device such as a Dispense cash machine, a financial card is used. In the face of the financial card, there is a magnetic card having a memory as a means of memory such as a memory account, and an Ic card in which Ic (Integmed (integrated) circuit) is used as the memory means. However, it is not necessarily that all automatic trading devices can be applied to 1C cards, and only the automatic parent-friendly devices that can be used for the IC card. Also, it is not necessarily that all financial cards are 1 (: cards, and many customers use magnetic cards that do not have 1C. Thus 1C cuts magnetic strips so that they can be used on automatic trading devices that are not suitable for IC cards. In addition, the acceptance of the busy card is applicable to 1 (the card is automatically placed in the terminal, and there is also a card reader that can be read on the bar, which is magnetic data for reading, S person, deletion, etc. (eani reader) Wnter) 'In order to be able to accept the magnetic card (for example, refer to the patent document and, as the above-mentioned _1 (: card automatic transaction device, when inserting financial money into the card slot (eard slGt), first read the magnetic stripe If the magnetic data memorized in the above (4) contains the 27203pif message indicating that it is an ic card, the processing for operating as an IC card is performed. Further, the above-mentioned automatic transaction device for the 1C card is provided with the mechanism. The basic authentication server is connected to the computer center, etc. Further, when the processing for the operation of the card is performed, the authentication information such as the biometric authentication information stored in the K card is transmitted from the automatic transaction device to the soil. , 幵 / „心. The server, the basic-shaped authentication feeding device performs basic form authentication according to the above-mentioned authentication resources. Here, 'as a basic form authentication means a method of authentication by the main (feeding device)' and the previous one is AT·* ecure APPlication The method of performing authentication on the module (the security application module) is called the period-time authentication. [Patent Document 1] 曰本特开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开开Certified feeding: 艮: In the case of some kind of failure, the basic form authentication cannot be performed, so the financial transaction cannot be performed using the 1C card. In order to solve the above previous problems, the invention aims to provide a self-device 5 tolerant switching system, which is in the basic form When the authentication server is generated, the setting of the automatic transaction device is changed, so that the financial transaction can be executed according to the magnetic data stored in the =, so that even if there is no authentication, the basic shape authentication can be used to memorize the magnetic stripe. The magnetic data in the execution of the financial transaction. The 'automatic transaction device authentication switching system of the present invention includes: The management department and the customer operation department' are operated by the customer. The card processing unit can read and write the card (4) magnetic data and IC (4) with the magnetic strip 27203pif t IC, and the customer operation unit accepts the operation of the customer of the financial institution; Recognized (4), no automatic trading device is connected, and the following t-message included in the itic wealth is used to carry out the basic = also 'and the bribe H' is connected with the basic authentication server and the automatic device, The above-mentioned basic duties (4) and the above-mentioned automatic delivery f installations are monitored; the above-mentioned monitoring monitors are in the case of the ❹ ❹ 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职 职In the other-automatic transaction device authentication switching system of the present invention, the monitoring ship 11 changes the setting of the automatic transfer setting to change the type of financial transaction that can be executed. In the re-inventive-automatic transaction device authentication system, further, the ship 11 changes the slave of the automatic transaction device to change the effect of the invention [invention]; according to the present invention, the automatic transaction device authentication switching system, the certificate server In the event of a failure, 'Change the settings of the automatic transaction ^' to facilitate the transaction based on the magnetic memory stored in the magnetic strip of the card. In this way, even if the customer is riding a basic cigarette in the card based on the ID information of Ic =, the customer will be placed according to the magnetic data stored in the magnetic strip of the card. [Embodiment] The drawings illustrate the embodiments of the invention in detail. 262630 27203pif Fig. 1 is a configuration diagram showing an automatic transaction apparatus authentication switching system in the embodiment of the present invention.

圖式中’ 11是設置在銀行、信用合作社、郵局等金融 機構的支行等中的ATM、CD等自動交易裝置，且是便於 上述金融機構的顧客透過自身操作來使用存款、取款、存 摺登帳、餘額查詢、劃撥、轉帳、匯款、定期存款設定等 金融服務。再者，上述自動交易裝置u，亦可設置於便利 店超市百貝公司專商店的店鋪；地下街道、車站内、 市政府、醫院等公共設施；工廠、辦事處等私營企業；停 車場、路邊等室外等。又，上述自動交易裝置11，亦可為 具有其它功能例如··訂票功能、商品購買申請功能、信用 卡的信用確認功能、設施資訊提示功能等的公共資訊查詢 站（KIOSK)終端的多功能終端。再者，上述顧客是在金 融機構開設自己的帳戶而使用上述金融服務者，一般而言 為個人，但亦可為企業、組織等。In the figure, '11 is an automatic transaction device such as an ATM or a CD installed in a branch of a financial institution such as a bank, a credit cooperative, or a post office, and is convenient for the customers of the financial institution to use the deposit, withdrawal, and deposit of the deposit through their own operations. Financial services such as balance inquiry, transfer, transfer, remittance, and time deposit setting. Furthermore, the above-mentioned automatic transaction device u can also be installed in a store of a convenience store supermarket Baibei company store; public facilities such as underground streets, stations, municipal governments, hospitals; private enterprises such as factories and offices; parking lots and roadsides Waiting for outdoor. Further, the automatic transaction apparatus 11 may be a multi-function terminal of a public information inquiry station (KIOSK) terminal having other functions such as a reservation function, a product purchase application function, a credit card credit confirmation function, and a facility information presentation function. . Furthermore, the above-mentioned customers use the above-mentioned financial services to open their own accounts in a financial institution, and are generally individuals, but may also be enterprises, organizations, and the like.

此處，自動交易袭置11為具備cpu( Central Pr〇cessingHere, the automatic trading attack 11 is equipped with cpu (Central Pr〇cessing

Unit ^ MPU (Micro Processing Unit « ^ 理單元）等運算手段、.半導體記憶體、磁碟等記憶手段、 =手段料電腦，且具有紙幣出人部、硬幣出入部、作 =片處理部的卡片讀寫器、存摺登帳部、受理顧客的操 作的顧客操作部、控制部等。 取屮紙幣出人部，是具有供顧客_自動交易裝置11 行人紙幣的機構、及對交綠置11内的紙幣自動進 仃叶數處㈣機構。而且，於存款等金融交易巾接受顧 9 1362630 27203pif 客，自未圖不的紙幣出人口存人的紙幣並進行計數且於取 款等金融交易中自上述紙幣出入口支付規定金額的紙幣。 又，上述硬幣出入部，具有供顧客利用自動交易裝置 11取出及放入硬幣的機構、及對自動交易裝£ U内的硬 幣進行計數纽的機構n於存款等金融交易中，接 受顧客自未®示的硬幣出人部存人的硬幣並進行計數且 於取款等金融交易中自上述硬料人部支付規定金額的硬 幣。 *進而，上述卡片讀寫器，對作為顧客所持媒體的金融 卡等卡片17上@資料進行讀取及寫入。此處，上述卡片 17疋金融機構對顧客發行的用以進行存款、取款、劃撥、 餘額查詢等金融交易的卡片’且為具備1C而作為記憶顧客 姓名、金融機構名、店號、帳號等資訊的記憶手段的類型 的1C卡即’所谓之對應於基本形認證的類型的ic卡。 再者，該1C卡亦具備磁條，以便於能在不適用於1C卡的 自動交易裝置上使甩。此情況下，該磁條記憶著顧客的姓 名、金融機構名、店號、帳號等資訊，且亦記憶著表示是 1C卡的資訊。 ~ 又，上述1C中，記憶著執行作為1C卡來操作的處理 即訪問1C卡時所需的資訊。此處，上述訪問IC卡的過程 中，利用生物統計學（biometrics)認證資訊來確認是否是 顧客本人。而且，上述1C中預先記憶有用以確認是否是顧 客本人的生物認證資訊。該生物認證資訊例如為虹膜 (Iris)、4曰纹、手掌靜脈圖案、手指靜脈圖案等’但只要 27203pif 利用生物子上的特徵來確認本人的生物統計學認證資 訊亦即生倾證資訊，财為任意_ :謝指靜脈圖案的情況下，較理想的是吏= 誠手指靜脈_特徵化後進行加密並註冊到 π:片二=令所記憶的資訊的磁性資料進行讀 所記憶對^㈣17的1c 磁頭。進而，卡片嘈/讀取、寫入、刪除等的1c用 «的機構，及能對自動交 = ***的卡片η進行保留等的機構。 已又理 入的存摺，於顧客自未圖示的存摺插槽插 顧客提供的存^摺=。此處’上述存指是金融機構對 再者，在二二、期存款設定等金融交易的記錄。 將顧客姓名、：=τ封面上具備磁條，該磁條 竭等資料作為磁名、帳號等帳戶資料1 =;=:資理料插進行讀取及寫人的二=對 進而，上述顧客 入的存摺進行保留等的機構。 客知作部’具有缝、_面板等輸入 11 1362630 27203pif 裝罝，CRT(cathode-raytube，陰極射線管）、液晶顯示器、 LED (Light Emitting Diode ’發光二極體）顯示器等顯示 裝置；用以輸入顧客聲音的麥克風等聲音輸入裝置；用以 輸出聲音提示的揚聲器等聲音輸出裝置；靜脈圖案讀取裝 置等生物認證資訊獲取裝置等。再者，較理想的是，上^ 顯示裝置是兼有輸人裝置功能的聰面板。上述顧客操作 部’對顧客進行操作引導，且受理顧客的操作。此情況:^， 顧客操作部，於顯示裝置上顯示功能鍵或提醒顧客進行操 作的訊息，該功能鍵是作為根據控制部的指示使顧客選擇 交易所需的資訊的選擇手段。進而，顧客操作部，侦測到 客已觸摸到功能鍵等，並將所彳貞測到的内容進 通知控制部。 何穴说 又，上述控制部總括性地控制整個自動交易裝置Η 考該自動父易裝置π整體的動作包含上述卡片讀寫 ^叙^摺丘帳部、紙幣出人部、硬幣出人部及顧客操作部 送的交易t發二控制部亦包含作成交易電文並進行發 器^述自動乂易裝置11，經由自動交易裝置間道 ***主雷ι&Γ ’而連接於金融機構管理的結算 等運瞀丰：*該結异系統主電腦13，具備：CPU、MPU 斤手奴、半導體記憶體、磁碟等 g „ .上㈣ 12 1362630 272〇3pif 進行通訊，而執行存款、取 =的電 等’且當自動交易裝置11上執行將卡^作段為及^3 =處理時’從自動交錄置21接收卡片17的 記 ==訊等認證資訊，且根據所接收到二 ㈣證，來對上述卡片17進行認證。而且，當 =證雜認證絲料絲為統主電 17=地動交易裝置11 ’開始執行上述卡片 再者，上述基本形認證词服器12，與設 的電腦中心等處的管理伺服器15連接著。該== 15 ’具備CPU、MPU等運算手段、半導柄 =憶手段及通訊界面等，且對基本形認證飼服器Π進柃 進而，上述管理伺服器15與監視伺服器16 該監視飼服器16，具僙cpu、卿等運 連= 記憶體、磁碟等記憶手段及通訊界面等， 考 15進行監視。而且，監娜器16的狀態成為經= 伺服器15而與基本形認證伺服器12連接，因此， 管理伺服器1.5而對基本形認證伺服器12進行監視。'進%， 13 1362630 27203pif 上述監視伺服器16，與自動交易裝置u連接著，對該自 動交易裝置11的運行狀況、該自動交易裝置丨丨内的用紙 等消耗品的剩餘量等進行監視。再者，監視伺服器16，無 須與管理伺服器15分開構成，可與管理伺服器i5形 -體。 ， 又，上述監視伺服器16，可由金融機構來運用管理， 但亦可由金融機構以外之機構，例如服務代理商等第三方 管理。此情況下，該第三方只要是代替金融機構來 個ί ί易裝置U或監視舰器16進行監視者，則可為 個人、法人、組織等任一者。 作進ί Ϊ明對ΐί構成的自動交易裝置認證切換系統的動 服㈣未產生故障的 切換自動交易裝置認證 顯示交易選擇t易:5 u’使顧客操作部'的顯示裝置上 鍵等來選擇存款、取;J面’是可藉由觸摸功能 所需的金融交易後，自較父置易;=顧客選擇其 示表示提醒顧客將卡片 1上述^示裝置中顯 繼而，顧客將自己所持的卡槽中的訊息。 11的卡片插槽中。 ^ 17***至自動交易裝置 對卡片17的磁條中所記情父易裝置11使卡片讀寫器 磁性資料中包含表示為性資料進行讀取。而且，當 為1c卡的資訊時，自動交易裝m 1362630 27203pif 使卡片讀寫器對卡片17的IC中所記憶的生物認證資訊等 認證資訊、亦即1C認證資料進行讀取。由此，自動交易裝 置11自卡片17中讀取1C認證資料。 繼而’自動交易裝置11，作成交易電文，將該交易電 文1C與認證資料一併發送至自動交易裝置閘道器14。之 後’交易電文及1C認證資料自該自動交易裝置閘道器14 發送至基本形認證伺服器12。 繼而，接收到交易電文及1C認證資料的基本形認證伺 服器12，根據認證資訊進行基本形認證，來核對卡片π， 而判斷該卡片17是否為真卡。 而且，當卡17是真卡的情況下，基本形認證伺服器 12將交易電文、1C認證資料及認證結果一併發送至結算系 統主電腦13。亦即，將認證結果通知結算系統主電腦13。 藉此’可在自動交易裝置11上進行交易，上述自動交易裴 置U藉由與結算系統主電腦13進行通訊，而根據卡片Π 的1C中所記憶的認證資訊開始金融交易。 又，當卡片17不是真卡的情況下，基本形認證伺服器 12 ’對自動交易裝置11發送顯示認證錯誤的指示。之後， 自動交易裝置11控制顧客操作部’使顯示裝置上顯示卡片 無法操作的顯示畫面。並且，自動交易裝置11控制卡片讀 寫器，使卡片17自卡片插槽中吐出且結束處理。 其次，對流程圖進行說明。 步驟S1將卡片17***至自動交易裝置11。 步驟S2自動交易裝置11挺卡片17中讀取1C認證資 15 27203pif 料。 步驟S3將交易電文及Ic認證資 置閘道器14。 知疋主自動交易裴Unit ^ MPU (Micro Processing Unit), calculation means, semiconductor memory, magnetic disk and other memory means, = means material computer, and banknote exit part, coin entry and exit, and card processing section A reader/writer, a passbook depositing unit, a customer operation unit that receives an operation of a customer, a control unit, and the like. The banknote exiting unit is a mechanism that has a mechanism for the customer _ automatic transaction device 11 pedestrian banknotes, and a number of automatic banknotes for the banknotes in the green placement 11 (4). In addition, the banknotes of the deposits such as deposits are received by the banknotes of the banknotes, and the banknotes of the population are counted from the banknotes that are not shown, and the banknotes of the prescribed amount are paid from the banknotes in the financial transaction such as withdrawals. Further, the coin entry/exit portion has a mechanism for the customer to take out and insert the coin by the automatic transaction device 11, and a mechanism for counting coins in the automatic transaction device, and accept the customer from the financial transaction such as deposit. The coins shown in the ® are issued and counted, and the coins of the prescribed amount are paid from the hard-working person in the financial transaction such as withdrawal. Further, the card reader/writer reads and writes @material on the card 17 such as a financial card held by the customer. Here, the card 17 is a card issued by a financial institution to a customer for a financial transaction such as deposit, withdrawal, transfer, balance inquiry, etc., and is 1C as a memory customer name, financial institution name, store number, account number, etc. The type of memory means the 1C card is the so-called ic card corresponding to the type of basic form authentication. Furthermore, the 1C card also has a magnetic strip so that it can be used on an automatic transaction device that is not suitable for a 1C card. In this case, the magnetic strip memorizes the customer's name, financial institution name, store number, account number, etc., and also memorizes the information indicating the 1C card. Further, in the above 1C, the information necessary for accessing the 1C card, which is a process of operating as a 1C card, is stored. Here, in the above process of accessing the IC card, biometrics authentication information is used to confirm whether or not the customer is the customer. Further, in the above 1C, it is useful to confirm in advance whether or not it is the biometric authentication information of the customer. The biometric authentication information is, for example, Iris, 4 曰 pattern, palm vein pattern, finger vein pattern, etc. 'But as long as 27203pif uses the features on the biological to confirm my biometric authentication information, the information is For any _: Xie refers to the vein pattern, it is ideal that 吏 = Cheng finger vein _ characterization after encryption and registration to π: slice 2 = the magnetic data of the information memorized to read the memory pair ^ (four) 17 1c head. Further, a mechanism for card 嘈/reading, writing, deletion, and the like, and a mechanism for retaining the card η that is automatically inserted = inserted, and the like. The passbook that has been re-introduced is inserted into the passbook slot provided by the customer from the passbook slot not shown. Here, the above-mentioned deposit refers to the financial institution's record of financial transactions such as the establishment of the second and second deposits. The customer name, :=τ has a magnetic strip on the cover, and the magnetic stripe is used as the account information such as the magnetic name and account number. 1 =; =: the material is inserted for reading and the second person is written. The institution that enters the passbook and keeps it. The customer-known part has a display device such as a slit, a panel, etc., 11 1362630 27203pif mounting, CRT (cathode-ray tube), liquid crystal display, LED (Light Emitting Diode) display; A voice input device such as a microphone for inputting a customer voice; a sound output device such as a speaker for outputting a voice prompt; a biometric authentication information acquiring device such as a vein pattern reading device. Furthermore, it is preferable that the upper display device is a smart panel having the function of the input device. The customer operation unit performs guidance on the operation of the customer and accepts the operation of the customer. In this case: ^, the customer operation unit displays a function key on the display device or a message prompting the customer to perform an operation, and the function key is a selection means for causing the customer to select information necessary for the transaction based on an instruction from the control unit. Further, the customer operation unit detects that the guest has touched the function key or the like, and notifies the detected content to the control unit. He said that the control unit collectively controls the entire automatic transaction device. The action of the automatic parent-friendly device π includes the card reading and writing, the banknotes, the coin-issuing department, and the coin-issuing department. The transaction sent by the customer operation unit is also included in the transaction control message, and the automatic transaction device system is connected to the financial institution management settlement, etc., via the automatic transaction device system main system. Yun Yufeng: * The main computer 13 of the different system has: CPU, MPU, slave memory, semiconductor memory, disk, etc. g. (4) 12 1362630 272〇3pif for communication, and deposit, take = electricity And when the automatic transaction device 11 performs the processing of the card and the ^3 = processing, the authentication information such as the message == message received from the automatic recording device 21 is received, and according to the received two (four) certificate, The card 17 is authenticated. Moreover, when the card is the main controller 17=the ground transaction device 11' starts to execute the card, the basic authentication device 12, the computer center, and the like Management server 15 Then, the == 15 ' has a computing means such as a CPU, an MPU, a semi-guided handle = a memorizing means, a communication interface, etc., and the basic authentication service device is further advanced, and the management server 15 and the monitoring server 16 monitor the monitoring server 16 Feeding device 16, with 僙cpu, qing, etc. = memory, disk and other memory means and communication interface, etc., test 15 to monitor. Moreover, the state of the monitor 16 becomes the server 15 and the basic form authentication The server 12 is connected, and therefore, the server 1.5 is managed to monitor the basic authentication server 12. 'In%, 13 1362630 27203pif The above-described monitoring server 16 is connected to the automatic transaction device u, and the automatic transaction device 11 is operated. The situation, the remaining amount of consumables such as paper in the automatic transaction device, and the like are monitored. Further, the monitoring server 16 does not need to be configured separately from the management server 15, and can be configured with the management server i5. The monitoring server 16 may be managed by a financial institution, but may be managed by a third party other than a financial institution, such as a service agent. In this case, the third party is only a generation. For the financial institution to monitor the U or the surveillance vessel 16, it can be an individual, a legal person, an organization, etc. The action of the automatic transaction device authentication switching system composed of the ί ΐ ΐ ΐ 作(4) Switching without automatic failure The automatic transaction device authentication displays the transaction selection t: 5 u' enables the customer operation unit's display device to select the deposit and the like; the J-side' is the financial transaction required by the touch function. After that, the customer chooses to display the message; the customer selects the indication to remind the customer to display the card 1 in the above-mentioned device, and the customer will hold the message in the card slot held by the user. ^ 17 Inserted into the automatic transaction device The parental device 11 recorded in the magnetic strip of the card 17 causes the card reader to include the representation of the magnetic material. Moreover, when it is 1c card information, the automatic transaction loading m 1362630 27203pif causes the card reader/writer to read the authentication information such as the biometric authentication information stored in the IC of the card 17, that is, the 1C authentication data. Thus, the automatic transaction device 11 reads the 1C authentication material from the card 17. Then, the automatic transaction device 11 creates a transaction message, and transmits the transaction message 1C together with the authentication data to the automatic transaction device gateway 14. Thereafter, the transaction message and the 1C certification data are sent from the automatic transaction device gateway 14 to the basic authentication server 12. Then, the basic authentication server 12 that receives the transaction message and the 1C authentication data performs basic form authentication based on the authentication information to check the card π, and determines whether the card 17 is a true card. Further, when the card 17 is a genuine card, the basic authentication server 12 transmits the transaction message, the 1C authentication data, and the authentication result to the settlement system main computer 13. That is, the settlement system main computer 13 is notified of the authentication result. Thereby, the transaction can be performed on the automatic transaction device 11, and the automatic transaction device U communicates with the settlement system host computer 13 to start the financial transaction based on the authentication information stored in the card 1C. Further, when the card 17 is not a genuine card, the basic authentication server 12' transmits an instruction to display the authentication error to the automatic transaction apparatus 11. Thereafter, the automatic transaction apparatus 11 controls the customer operation unit to cause the display device to display a display screen on which the card cannot be operated. Further, the automatic transaction apparatus 11 controls the card reader to cause the card 17 to be ejected from the card slot and end the processing. Next, the flow chart will be described. Step S1 inserts the card 17 into the automatic transaction device 11. In step S2, the automatic transaction device 11 reads the 1C certification capital 15 27203pif material in the card 17. In step S3, the transaction message and the Ic authentication are provided to the gateway 14. Knowledge Master Automated Trading裴

步驟S4從自動交易袭置開道器M 認證資料發送至基本形認證飼服器12。易電文及1C 步驟S5判斷卡片17是否是真卡。當卡片 的情況下進入步驟S6，而#卡片 疋真卡 入步驟S8。 疋具卞的情況下進 步驟s6將認證結果通知結算系統主電腦13。 步驟S7可在自動交易裝置u上進行 η，.= 理將顯示認證錯誤的指示發送至自動;:裝理置 作進^明對基本賴證飼㈣12纽故障的故障時的動 圖3是表示本發明的實施方式中的自動 — 切換糸統出現故障時的動作的流程圖。 、置 當基本形繼储n 12產生某些故 證飼服f 12進行監_管理健H 15感知職障。而且， 對上述I理伺服器15進行監視的監湖服器16，經由管 理伺服器15而感知到上述故障。 藉此’監視词服器16與自動交易裝置U進行通訊， 且變更自動交易裝置11的設定’以便於能僅根據卡月17 的磁條中所記憶的磁性資料進行金融交易。亦即，變更設 定以便於能在自動交易裝置U進行磁***易。自動交易 16 1362630 27203pif 裘π卡進行認證的基本形認證方式變 纟㈣㈣認證方式。此情況 如11來變更能執行的金融交易的種 類。例如’，又為無法進行卡片贷款（card】㈣設定等的 交易。 晉自己所持的卡片17***至自動交易裝 置η的^插槽t時，即便卡片17的磁性資料中包含表 雜Μ 17料磁卡來鱗金融交易。 易裝置11，使卡片讀寫哭料5易此障况下’自動父 性資料締心 寫卡片7的磁條巾所記憶的磁 性貝料進㈣取，自卡片17中讀取磁性資料。 文及=資I動，易裝置11，作成交易電文’將該交易電 發送至自動交易裝置閘道器14。之後， ===自該自動交易裝置閘道器14發送 ,可jf自動交易裝置11上進行交易，上述自動交 根^卡片Π :由與結算系統主電腦13進行通訊，而開始 ^ 、磁條中所記憶的磁性資料進行金融交易。 其二人，對流程圖進行說明。 步驟S11 s理伺服器15感知故障。 步驟S12監視伺服器16經由管理伺服器15感知故 障。 〜 步驟S13監視伺服器16變更設定，以便於可用自 動交易裝置1丨進行磁***易。 17 1362630 272〇沖江 步驟S14***卡片l7時進行磁***易。 裝二，交易電文及磁性資料發送至自動交易 步驟灿將交易電文及磁性資料 問道器14發送至結算系統主電腦13。 易裝 步驟S17可用自動交易裝置η進行交易，結束處 理。 ^此’本只知方式中，當基本形認證伺服器12產生故 障的情況下’監視飼服器16變更自動交易裝置㈣設定， 可:f卡片17的磁條中所記憶的磁性資料執行金 : ^ 客即便在基本形認證伺服器12產生故p章Step S4 is sent from the automatic transaction attacker M authentication data to the basic authentication feeder 12 . The e-text and the 1C step S5 determine whether the card 17 is a real card. In the case of the card, the process proceeds to step S6, and the # card is finally stuck to step S8. In the case of the device, the step S6 advances the authentication result to the settlement system host computer 13. Step S7 may perform η on the automatic transaction device u, and send an indication indicating that the authentication error is sent to the automatic; the installation is set to be the same as the failure of the basic feedback (four) 12-new failure. A flowchart of the operation of the automatic-switching system in the case of a failure in the embodiment of the present invention. The basic form of the survival of the n 12 produces some of the evidence of the feeding service f 12 to conduct supervision _ management health H 15 perception of the job. Further, the supervisory server 16 that monitors the above-described I server 15 senses the above failure via the management server 15. Thereby, the monitoring word processor 16 communicates with the automatic transaction apparatus U and changes the setting of the automatic transaction apparatus 11 so that the financial transaction can be performed only based on the magnetic data stored in the magnetic stripe of the card month 17. That is, the settings are changed so that the magnetic transaction can be performed at the automated transaction device U. Automated trading 16 1362630 27203pif The basic form authentication method for 裘π card authentication is 纟 (4) (4) Authentication method. In this case, the type of financial transaction that can be executed is changed as in 11. For example, ', another transaction that cannot be used for card loan (card) (four) setting. When the card 17 held by Jin himself is inserted into the slot t of the automatic transaction device η, even if the magnetic data of the card 17 contains the miscellaneous materials Magnetic card to scale financial transactions. Easy device 11, so that cards read and write crying 5 easy under this barrier 'automatic father data to enter the heart of the card 7 magnetic strips remembered magnetic bead feed into (four) take, read from card 17 Take the magnetic data. The text and the mobile device, the easy device 11, and the transaction message 'send the transaction to the automatic transaction device gateway 14. After that, === is sent from the automatic transaction device gateway 14 The transaction is performed on the jf automatic transaction device 11, and the above-mentioned automatic communication is performed by the main computer 13 of the settlement system, and the magnetic data stored in the magnetic stripe is started for financial transaction. Step S11 The server 15 senses the fault. Step S12 The monitoring server 16 senses the fault via the management server 15. ~ Step S13 monitors the server 16 to change the settings so that the automatic transaction device 1 can perform the magnetic Trading 17 1362630 272 〇 江 江 Step S14 Insert the card l7 for magnetic trading. Install 2, trade message and magnetic data sent to the automatic trading step Can send the transaction message and magnetic data requester 14 to the settlement system main computer 13. The transvesting step S17 can be performed by the automatic transaction device η, and the processing is terminated. ^ In the present known method, when the basic authentication server 12 fails, the monitoring feeder 16 changes the automatic transaction device (4) setting, and can: The magnetic data stored in the magnetic strip of the f card 17 is executed: ^ Even if the guest is in the basic shape authentication server 12, the chapter p is generated.

=法將卡片Π作為IC卡來使用的情況下，亦可將J 進作為磁卡來使用並操作自動交易裝置π， 延订所需的金融交易。 置方式中，對產生故障時操作自動交易裝 明，但=二行的金融交易的種類的示例進行了說 韻為i日元2限額。例如’在正常時1天的交易限 更為1〇/日元 ，可姐㈣將上处易限額變 的主=本Γ縣限定於上述實施方式，可根據本發明 外。曰進行各種變形，該等變形並不排除在本發明的範圍 【圖式簡單說明】 圖1是表示本發明的實施方式令的自動交易裝置認證 18 1362630 27203pif 切換系統的構成圖。 圖2是表示本發明的實施方式中的自動交易裝置認證 切換系統在正常時的動作的流程圖。 圖3是表示本發明的實施方式中的自動交易裝置認證 切換系統出現故障時的動作的流程圖。 【主要元件符號說明】 11 :自動交易裝置 12 :基本形認證伺服器 13 :結算系統主電腦 14 :自動交易裝置閘道器 15 :管理伺服器 16 :監視伺服器 17 :卡片 19If the card is used as an IC card, it can also be used as a magnetic card and operate the automatic transaction device π to extend the required financial transactions. In the setting method, the automatic transaction decoration is performed for the operation at the time of the failure, but the example of the type of the financial transaction of the second line is said to be the i yen 2 limit. For example, the transaction limit of 1 day in normal time is more than 1 yen/yen, and the sister (4) who has changed the upper limit of the upper limit is limited to the above embodiment, and can be based on the present invention. The present invention is not limited to the scope of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a block diagram showing an automatic transaction apparatus authentication 18 1362630 27203 pif switching system according to an embodiment of the present invention. Fig. 2 is a flow chart showing the operation of the automatic transaction apparatus authentication switching system in the normal state in the embodiment of the present invention. Fig. 3 is a flow chart showing the operation of the automatic transaction apparatus authentication switching system in the case where a failure occurs in the embodiment of the present invention. [Main component symbol description] 11 : Automatic transaction device 12 : Basic authentication server 13 : Accounting system main computer 14 : Automatic transaction device gateway 15 : Management server 16 : Monitoring server 17 : Card 19

Claims (1)

27203pif 十、申請專利範圍： 1.一種自動交易裝置認證切換系統，包括： 。自動父易裝置，具備卡片處理部及顧客操作部，由顧 客操作來進行金融交易，該卡片處理部能讀取及寫入具有 磁條及ic的卡片的磁性資料及IC資料，該顧客操作部受 理金融機構的顧客的操作； 基本形認證伺服器，與該自動交易裝置連接著，根據 述1料中所含的認證資訊進行基本形認證；以及 i視伺服器，與該基本形認證伺服器及該自動交易裝 連接著，對上述基本形認證伺服器及上述自動交易 行監視；上述自動交易裝置認證切換系統的特徵在^: 現故刺服11 ’ #感知到上述基本職卵服器出 動交易裝置的設定’僅根據上述 殊請專利範圍第1項之自動交易裝置認證切換系 來變f乂述監視伺服器，變更上述自動交易裝置的設定 氕更月b執行的金融交易的種類。 3·如申請專利範圍第 殊’其中上述監視伺服器 更交易限額。 1項之自動交易裝置認證切換系 變更上述自動交易襞置的設定來變 2027203pif X. Patent application scope: 1. An automatic transaction device authentication switching system, including: The automatic parent-friendly device includes a card processing unit and a customer operation unit, and performs a financial transaction by a customer operation, and the card processing unit can read and write magnetic data and IC data of a card having a magnetic strip and an ic, the customer operation unit. Receiving the operation of the customer of the financial institution; the basic authentication server is connected to the automatic transaction device, and performing basic authentication according to the authentication information contained in the first material; and the i-view server, and the basic authentication server and the automatic The transaction device is connected to monitor the basic authentication server and the automatic transaction line; the automatic transaction device authentication switching system is characterized in that: the current stab service 11 '# perceives the setting of the basic occupation server service transaction device In the automatic transaction device authentication switching system according to the first item of the above-mentioned patent application, the monitoring server is changed, and the type of the financial transaction executed by the monthly transaction b is changed. 3. If the patent application scope is the same, the above monitoring server has a more transaction limit. One item of automatic trading device authentication switching system changes the setting of the above automatic trading device to change 20