JP2000242717A - System and method for debit transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make preventable a too much expense of a user and to improve the security by storing data concerning a general transaction account and a debit transaction account to which a limit debit transaction account amount is set. SOLUTION: A debit card 11 is inserted to a terminal equipment ATM 12 for general transaction and a transaction such as drawing a deposit from the general transaction account or depositing a cash is performed. Data are sent from a communication control unit 13 through a personal line 14 to a bank account processing center 30. Data read from the debit card 11 by a card reader 22 and a password number inputted from a password number input device 23 are sent from a communication control unit 25 through a public line network 26 to the bank account processing center 30 together with the data of the price inputted from an electronic cash register 24. The bank account processing center 30 processes data generated from the ATM 12 or terminal equipment 24 for debit transaction and performs processing such as dispensation or reception of money between accounts. A magnetic recording device 33 stores data concerning the account of a user or shop.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a debit transaction system and a debit transaction method using a debit card issued by a financial institution such as a bank.

[0002]

2. Description of the Related Art Financial institutions such as banks issue a debit card (cash card) for a person who has a general transaction account at a bank. The debit card records the account number of the holder, data relating to the bank where the account is provided, and the like. The holder of the debit card can use the debit card at an ATM installed at a bank, etc.
, And by inputting a pre-registered password and confirming the identity, it is possible to withdraw or deposit cash without having to go through a bank counter every time.
In the present specification, a general deposit account, such as a general deposit account, a general account, a checking account, and an employee deposit account, of a user placed in a financial institution such as a bank is referred to as a general transaction account.

[0003] When a person who has a debit card issued by a financial institution such as a bank purchases or receives a service at a store or the like, a system for settling the price of goods and services using the debit card is used. It is a deal. That is, in the debit transaction, a debit transaction terminal connected to the computer of the processing center of the financial institution by a communication line is installed in each store or the like, and information on the customer's debit card read by a card reader, transaction amount, The PIN is transmitted from the debit transaction terminal to the computer at the processing center of the financial institution, and if the transaction amount and PIN meet the conditions, the transaction price is withdrawn from the general transaction account of the person placed at the financial institution. Payment is made by transferring money to a store or other account. As a conventional technique relating to debit transactions, there is a technique relating to improvement of user convenience as disclosed in JP-A-59-154572, and a technique relating to enhancement of security as disclosed in JP-A-10-124460.

[0004]

However, if the debit card makes it easy to shop or receive services, there is a possibility that the user will buy too much and regret later. The problem of overuse also occurs in the use of a credit card issued by a credit company, but in the debit transaction, unlike the credit card transaction, a method of directly withdrawing from a person's general transaction account located at a financial institution is used. The current limit for account transactions at financial institutions is based on a credit limit system in conjunction with other transactions such as ATMs. The over-utilization problem in debit transactions is more serious than the over-utilization problem with credit cards, because they are set very high. However, there is no mechanism in the current debit transaction system to prevent overuse of oneself.

[0005] Further, the frequency of use of debit transactions increases as the number of available shops or places increases. As the frequency of use of debit transactions increases, the use of debit cards at general stores, etc., and the number of times of PIN input increase,
There is a concern that problems such as leakage of account numbers and PINs at financial institutions of debit card owners, forgery of debit cards, and unauthorized use by others who have found lost debit cards may occur. As described above, the limit of account transactions at financial institutions is generally set to be significantly higher than the credit limit of credit cards, so if a debit card issued by a financial institution is misused, the damage amount will be high. Become.

The present invention was made in the course of examining the problems of such a debit transaction, and a debit transaction system capable of preventing overuse of a user by the debit transaction and improving security of the debit transaction. And a debit transaction method.

[0007]

In order to solve the above-mentioned problems, a debit transaction system according to the present invention comprises a general transaction terminal capable of withdrawing a deposit using a debit card issued by a financial institution, and a financial institution. An account file that stores debit transaction terminals that can perform debit transactions using a debit card issued by the company, and data relating to a user's general transaction account and a debit transaction account with a debit transaction account limit set. And a communication means for connecting the general transaction terminal and the debit transaction terminal to the account processing center, wherein the account processing center performs a transaction based on the data sent from the general transaction terminal. Means for processing by a general transaction account;
A means for performing transaction processing based on data sent from a debit transaction terminal using a debit transaction account, and checking a user's debit transaction account balance at a predetermined timing, and checking the debit transaction account balance for the debit transaction relating to the account. When the amount is less than the account limit, the limit for withdrawing the difference between the debit transaction account limit and the debit transaction account balance from the general transaction account of the user within the range of the balance of the general transaction account of the user and depositing it into the debit transaction account And forehead replenishment processing means.

The debit transaction system according to the present invention also performs a debit transaction using a general transaction terminal capable of withdrawing a deposit using a debit card issued by a financial institution and a debit card issued by a financial institution. Account processing with an account file storing data relating to a debit transaction terminal that can perform the transaction, a user's general transaction account, and a debit transaction account with a debit transaction account limit and a debit transaction limit. And a communication means for connecting the general transaction terminal and the debit transaction terminal to the account processing center. The account processing center performs transaction processing based on data sent from the debit transaction terminal. Means to check the user's debit transaction account balance at a predetermined timing, and If the trading account balance is less than the debit trading account limit for the account, the difference between the debit trading account limit and the debit trading account balance within the range of the user's general trading account balance is calculated from the user's general trading account. When receiving the limit replenishment processing means for withdrawing and depositing into the debit transaction account and an instruction for settlement processing relating to the debit transaction, it is checked whether the settlement amount is within the range of the debit transaction account balance and the debit transaction balance. And means for performing the operation.

The limit replenishment processing means of the account processing center, when performing the limit replenishment process, checks the debit transaction account balance that has been inspected is less than the debit transaction account limit for the account, and reduces the balance of the general transaction account of the user to the debit transaction. When the difference between the account limit and the debit transaction account balance is larger than the difference, the difference can be withdrawn from the general transaction account of the user and credited to the debit transaction account.

The limit replenishment processing means of the account processing center checks the debit transaction account balance, and transfers and transfers the debit transaction account from the user's general transaction account so that the balance becomes a fixed amount designated by the customer (debit transaction account limit). The processing timing may be set to once a day, and may be set at a fixed time every day, for example, before a bank transaction start time. Alternatively, if processing of all user accounts at a certain time every day causes a problem in relation to the processing amount or the like, the timing of the first transaction processing of the day by the debit transaction account may be used as the timing of the processing. Good. In this case, for the individual debit trading account, when the first transaction processing of the day related to the debit trading account occurs, the limit replenishment processing is performed on the debit trading account before the processing. The processing is decentralized because the time for performing the debit transaction differs depending on the user, and the processing is not necessarily performed for all the accounts every day, so the processing is performed simultaneously for all the user's accounts every day. The burden on the system can be reduced as compared with the case.

In any case, the replenishment of the balance within the limit to the debit transaction account is performed automatically every day or at a necessary timing, so that the inconvenience of the user himself making the transfer payment is eliminated. In addition, instead of directly performing the settlement of the debit transaction from the general transaction account of the bank as described above, the settlement of the debit transaction is performed from the account dedicated to the debit transaction provided in association with the general transaction account of the person, and the debit transaction account limit and the debit transaction By setting a limit on the balance of the debit transaction account or the amount of debit transaction for a certain period in the form of a limit, it is possible to systematically prevent excessive use of the person by the debit transaction.

Further, a debit card usable in a general transaction terminal and a debit card usable in a debit transaction terminal can be separate cards. further,
Separate passwords can also be set for transaction processing using a general transaction account and transaction processing using a debit transaction account.

[0013] As described above, the account available for debit transactions is different from the general transaction account available for general transactions by ATM or the like, and the card used for debit transactions is the same as the card used for general transactions via the general transaction account. By using another card exclusively for debit transactions, and by setting the PIN for debit transactions separately from the PIN for general transactions using ATMs, etc., the card for exclusive use of debit transactions can be lost or forged. Even if there is, there is no damage to general transaction accounts. Also, even if the debit transaction card is illegally used by another person, the damage can be suppressed to the account limit set in the debit transaction account.

The debit transaction method according to the present invention is a debit transaction method in which data relating to a user's general transaction account and a debit transaction account is stored in an account file of a financial institution, and settlement of the debit transaction is performed by the debit transaction account. Inspect the debit transaction account balance at a predetermined timing, and if the inspected debit transaction account balance is smaller than the preset debit transaction account limit, the debit transaction account balance within the range of the general transaction account of the user concerned. A limit replenishment process is performed in which the difference between the account limit and the balance is withdrawn from the general transaction account of the user and deposited into the debit transaction account.

[0015] The debit transaction method according to the present invention also includes:
Store the data on the user's general transaction account and debit transaction account in the account file of the financial institution, perform the debit transaction using the debit transaction dedicated card, perform the debit transaction settlement with the debit transaction account, and at a predetermined timing Inspect the debit transaction account balance, and if the inspected debit transaction account balance is less than the preset debit transaction account limit, the debit transaction account limit and the debit transaction account within the range of the user's general transaction account The method is characterized in that a limit replenishment process is performed in which the difference from the balance is withdrawn from the general transaction account of the user and is deposited in the debit transaction account.

[0016] The debit transaction method according to the present invention also includes:
Data about the general transaction account and the debit transaction account of the user is stored in the account file of the financial institution, and the settlement of the debit transaction is a debit transaction method performed by the debit transaction account, and the debit transaction account has a debit transaction account limit in advance. The amount and the debit transaction limit are set, and the debit transaction account balance is checked at a predetermined timing.If the checked debit transaction account balance is less than the debit transaction account limit, the balance of the general transaction account of the user is Within the range, the difference between the debit transaction account limit and the debit transaction account balance is withdrawn from the user's general transaction account and the limit is replenished to the debit transaction account, and if there is a settlement instruction, settlement is performed. It is characterized by checking whether the amount is within the range of the debit transaction balance.

In the debit transaction method of the present invention, in the limit replenishment processing, the checked debit transaction account balance is smaller than the debit transaction account limit set for the account, and the balance of the general transaction account of the user is debited. When the difference between the transaction account limit and the debit transaction account balance is larger than the difference, the difference may be withdrawn from the general transaction account of the user and credited to the debit transaction account.

The timing of checking the debit transaction account balance and performing the limit replenishment process when necessary may be performed once a day for all debit transaction accounts in the account file. When the first payment instruction of the day for the debit transaction account is issued, the debit transaction account may be executed before the settlement. The inspection of the balance of the debit transaction account and the process of supplementing the limit are automatically performed by a computer or the like provided in the processing center of the financial institution.

[0019]

Embodiments of the present invention will be described below with reference to the drawings. In the following drawings, the same reference numerals are given to the same functional parts for the sake of easy understanding. Here, a description is given assuming that the financial institution is a bank.

FIG. 1 is a schematic diagram for explaining an embodiment of a debit transaction system according to the present invention. Block 10 represents a general transaction using a debit card issued by a bank, and block 20 represents a debit transaction using a debit card issued by a bank. Block 30
Represents a bank account processing center. The debit card 11 records the account number of the holder, data relating to the bank in which the account is provided, and the like. “NNNN” is set as the password.

In the general transaction shown in block 10, the owner of the debit card 11 inserts the debit card 11 into a general transaction terminal, for example, an ATM 12 provided in a bank, and inputs a personal identification number if necessary. To withdraw deposits from a bank's general transaction account or deposit cash. The data from the ATM 12 is transmitted to the communication control device 1
3 through the dedicated line 14 to the bank account processing center 30
Sent to In the following, as a transaction by ATM12,
In the following description, it is assumed that a deposit is withdrawn from the user's general transaction account.

FIG. 2 shows an example of a message format of transaction data sent from the ATM 12 to the bank account processing center 30. This message includes a start code, data relating to the ATM 12, data relating to a transaction, data on the debit card 11, an input personal identification number, and an end code. The data relating to the ATM 12 includes the branch number of the ATM and the terminal number, and the data relating to the transaction includes a transaction type such as a message type “payment request” indicating the type of transaction designated by the debit card owner, and a transaction amount such as a payment request amount. Included,
The data on the debit card includes bank numbers, branch numbers, and account numbers.

On the other hand, in the debit transaction represented by block 20 in FIG. 1, the owner of the debit card 11 who has performed shopping or received a service at a store or the like pays for the shopping or service with the debit card 11. . The store or the like is provided with a debit transaction terminal including a card reader 22, a password input device 23, an electronic cash register 24, and the like.
And the password inputted from the personal identification number input device 23 and the price data inputted from the electronic cash register 24 are sent from the communication control device 25 to the bank account processing center 30 via the public network 26.

FIG. 3 shows an example of a message format of debit transaction data sent from a debit transaction terminal such as a store to the bank account processing center 30. In this message,
The information includes a start code, data relating to a debit transaction terminal, data relating to a transaction, data on the debit card 11, an input personal identification number, and an end code. The data relating to the debit transaction terminal includes the code number of the handling organization (shop, etc.) and the terminal number. The data relating to the transaction includes the message type “sales” and the transaction amount. Includes the bank number, branch number, and account number.

The bank account processing center 30 includes a communication control unit 31, a central processing unit 32, and a magnetic storage unit 33. The general transaction terminal (ATM) 12 and the debit transaction terminal 24 are used for general transaction or debit transaction. Processes the data generated from, and performs withdrawal and payment between accounts. An account file 34 is placed in the magnetic storage device 33. The account file 34 contains data 35a, 36a, 37a,..., Data 35b, 36b,. . Are stored.

FIG. 4 is an explanatory diagram showing an example of the management information table of the same person's general transaction account and debit transaction account stored in the account file 34. FIG. 4A shows the management information of the general transaction account A, and FIG. 4B shows the management information of the debit transaction account B. The management information on the general transaction account A includes a general transaction account balance 41, a general transaction password 42, a debit transaction account number 43, a debit transaction account limit 44, a debit transaction limit 50, and the like. Debit transaction account number 43, debit transaction account limit 44,
The debit transaction limit 50 is additional information for newly holding a debit transaction account B with respect to an existing principal transaction account. The management information on the debit transaction account B includes a debit transaction account balance 45, a general transaction account number 4
6, management information such as the debit transaction balance 51 is included.

The debit transaction account limit 44 is, for example, a daily transaction limit of the debit transaction account B, and is set in advance by the account holder. In addition, this limit 44
May be set as a weekly transaction limit. Debit transaction account limit 44 is debit transaction account B
In the case of the daily transaction limit, a debit transaction program (not shown) executed by the central processing unit 32 of the bank account processing center 30 may, for example, execute the debit transaction account B Is transferred from the general transaction account A to the debit transaction account B so that the balance 45 becomes the limit 44.

The debit transaction limit 50 is, for example, information for managing the total amount of debit transaction for one month, and is set in advance by the account holder. In the case of managing the total amount of the debit transaction for one month by the debit transaction limit 50, a predetermined date once a month, that is, the start date of the one month debit transaction limit management, for example, the beginning of the month or the payroll transfer date , The debit transaction balance 51
, The same amount as the debit transaction limit 50 is set as numerical information, and each time a debit transaction is performed thereafter, the transaction amount is subtracted from the debit transaction balance 51. Then, when the predetermined date comes again, the debit transaction balance 51 is reset to the amount information of the debit transaction limit 50. It is needless to say that the debit transaction limit 50 can be set as the total transaction amount for an arbitrary period according to the purpose, such as being set as the total transaction amount of a three-month debit transaction.

FIG. 5 is a flowchart showing an example of the process of supplementing the debit transaction limit from the general transaction account to the debit transaction account. In the example described here, this limit replenishment processing is performed by the central processing unit 3 of the bank account processing center 30.
2 is executed once a day, for example every day by 9 am, for all the debit transaction accounts stored in the magnetic storage device 33 by the debit transaction program executed by each debit transaction account. Is replenished with the daily trading limit.

As shown in FIG. 5, in step 11, the account file 34 stored in the magnetic storage device 33 is stored.
Check if the first general trading account in it is accompanied by a debit trading account. This is determined by whether or not there is data of the debit transaction account number 43 in the management information of the general transaction account A. If there is a debit transaction account, the process proceeds to step 12 to check whether the debit transaction account balance 45 is below the debit transaction account limit 44. If the balance is less than the limit, the process proceeds to step 13 to calculate a replenishment amount to be replenished to the debit transaction account. This replenishment amount is obtained by subtracting the debit transaction account balance 45 from the debit transaction account limit 44.

Next, proceeding to step 14, it is checked whether or not the balance 41 of the general transaction account A of the person is equal to or more than the replenishment amount. If the balance of the general transaction account is equal to or greater than the replenishment amount, the process proceeds to step 15 to pay the replenishment amount from the general transaction account A of the principal, and further proceeds to step 16 to deposit the replenishment amount to the debit transaction account B of the principal. I do. As a result, the balance of the general transaction account becomes [the general transaction account balance of the principal immediately before the processing-the replenishment amount], and the debit transaction account balance 4
1 is [the principal's debit transaction account balance immediately before processing + replenishment amount], and the balance 45 of the debit transaction account B matches the debit transaction account limit 44.

Next, proceeding to step 17, it is determined whether or not the processing has been completed for all accounts. If there are still accounts remaining, the process proceeds to step 18 in which the next account is transferred. The processing up to step 16 is repeated. If the determination in step 11, step 12, or step 14 is "NO", the process for the account is terminated and the process proceeds to step 17. Further, if the balance of the general transaction account is less than the replenishment amount in the determination in step 14, the process may be performed in which the amount that can be withdrawn from the general transaction account is set as the replenishment amount, and then the process proceeds to step 15. .

Thus, once a day, all the general transaction accounts 35a, 36a, 3 stored in the account file 34 are
Regarding 7a,..., The balance of the debit transaction account is checked, and if the balance is decreasing, a transfer is made from the individual's general transaction account to make the balance of the debit transaction account match the set debit account limit. Perform processing.

FIG. 6 is a flowchart showing another example of the debit transaction limit replenishment process from the principal's general transaction account to the debit transaction account. This process is performed only once when the first settlement instruction of the day is issued from each account to each debit transaction account. Therefore, this process is not performed for an account that has never been settled using the debit account on that day. The processing is performed by a debit transaction program executed by the central processing unit 32 of the bank account processing center 30.

In the debit transaction limit replenishing process shown in FIG. 6, for example, the management information shown in FIG. 7 is stored as the management information of the same person's general transaction account and debit transaction account stored in the account file 34. use. FIG. 7A shows the management information of the general transaction account A, and FIG. 7B shows the management information of the debit transaction account B. The management information table shown in FIG. 7 is equivalent to the management information table shown in FIG. 4 in which the data of the latest debit transaction date 48 is added to the management information of the debit transaction account B.

Returning to FIG. 6, when a settlement instruction is given to a certain debit transaction account, the bank account processing center 3
In step 21, the debit transaction program executed by the central processing unit 32 determines whether or not the settlement is the first settlement of the day by the debit account. This determination is made by comparing the date included in the data of the “latest debit transaction date” 48 in the account management information shown in FIG. Can be. That is, if the date included in the latest debit transaction date data is a past date, the indicated settlement is the first settlement of the day, while if it is today, the indicated settlement is The settlement that has been made is the second or later settlement of the day.

If it is determined in step 21 that the designated settlement is the second or later settlement using the debit account, the process proceeds to step 28, where the settlement process is performed and the process is terminated. If it is determined in step 21 that the designated settlement is the first settlement of the day using the debit transaction account, the process proceeds to next step 22, where the debit transaction account balance 45 is set to the debit transaction account. It is checked whether the amount is below the limit 44. If the balance is less than the limit, the process proceeds to step 23 to calculate a replenishment amount to be replenished to the debit transaction account.
This replenishment amount is obtained by subtracting the debit account balance from the debit account limit.

Then, the process proceeds to a step 24, wherein it is checked whether or not the balance 41 of the general transaction account A of the person is equal to or more than the replenishment amount. If the balance 41 of the general transaction account is equal to or greater than the replenishment amount, the process proceeds to step 25 and the general transaction account A of the principal is
The replenishment amount is paid, and the replenishment amount is paid to the debit transaction account B of the principal in step 26. As a result, the balance of the general transaction account A becomes [the general transaction account balance of the principal immediately before the processing-
Replenishment amount], and the debit transaction account balance is [the debit transaction account balance of the person immediately before processing + replenishment amount]. Then, in step 27, the current date data (year, month, day, hour, minute) acquired from the clock 40 is set to “the latest debit transaction date” 48. Then, proceed to step 28,
Perform payment processing and end. If it is determined in step 24 that the balance of the general transaction account is less than the replenishment amount,
The process may proceed to step 25 after the process of making the amount that can be withdrawn from the general transaction account a supplementary amount again.

Returning to FIG. 1, when the owner of the debit card 11 requests payment with the personal identification number “NNNN” using the debit card 11 at the general transaction terminal 12 such as an ATM of a bank, the bank account processing center 30 Central processing unit 3
The debit transaction program executed in step 2 recognizes that the transaction is a general transaction based on the ATM terminal code number, checks the password, and checks whether the payment request amount is within the balance of the general transaction account of the principal. Etc., and then perform transaction processing using the principal general transaction account A. When the owner of the debit card 11 purchases a product with a personal identification number “NNNN” using a debit card 11 at a store or the like, the central processing unit 32 of the bank account processing center 30
The debit transaction program executed by the debit transaction terminal recognizes that it is a debit transaction by the code number of the debit transaction terminal placed at the store, etc., collation of the password, the payment request amount is the debit transaction account balance of the person 45, the requested payment amount is within the range of the debit transaction balance (for example, one-month debit transaction balance) 51, etc., and the settlement process is performed using the principal debit transaction account B. Do. When the personal identification number sent from the terminal does not match the personal account data stored in the account file 34, or when the payment request amount is equal to the debit transaction account balance 45
Alternatively, if the debit transaction balance (for example, one-month debit transaction balance) 51 is exceeded, a debit transaction program (not shown) executed by the central processing unit 32
Rejects the transaction.

Although the same password is used for the general transaction and the debit transaction here, it is also possible to set different passwords for the general transaction and the debit transaction. In this case, the data of the debit transaction password is added to the management information of the debit transaction account B shown in FIG. 4 or FIG.

According to this debit transaction system, it is possible to systematically prevent the debit card owner from using too much. Further, if it is possible to set different passwords for the general transaction and the debit transaction, it is possible to reduce the chance of leaking the password of the general transaction. Also, by setting a daily debit transaction account limit, damages can be minimized even if the debit card is illegally used.

FIG. 8 is a schematic diagram for explaining another embodiment of the debit transaction system according to the present invention. Although the system shown in FIG. 1 uses the same debit card for the general transaction and the debit transaction, the system described here uses a card 11 for the general transaction and a card 15 for the debit transaction, 1 is different from the system shown in FIG. In FIG. 8, portions denoted by the same reference numerals as those in FIG. 1 are portions having the same functions as those in FIG. 1, and thus redundant description will be omitted.

FIG. 9 or FIG.
FIG. 5 is an explanatory diagram showing an example of a management information table of a general transaction account and a debit transaction account of the same person stored in the same. 9A and 9B, (a) shows management information on the general transaction account A, and (b) shows management information on the debit transaction account B.

The account management information table shown in FIG. 9 corresponds to the debit transaction account management information of the account management information table shown in FIG. 4 with a debit transaction account password 49 added thereto, and the account shown in FIG. The management information table corresponds to the debit transaction account management information of the account management information table shown in FIG. 7 with a debit transaction account password 49 added. The password 49 for the debit transaction account may be the same as the password 42 for the general transaction account without any particular condition, but from the viewpoint of security,
It is desirable to provide a condition that the two passwords 42 and 49 must not be the same.

The debit transaction account limit 44 is, for example, the daily transaction limit of the debit transaction account B, and the debit transaction account balance 45 is, for example, the general transaction account of the principal as described in the flowchart of FIG. By transferring money from A to the debit transaction account B, this limit is reached at the start of the banking business on the day. Alternatively, FIG.
As described with reference to the flow chart of FIG. 12, when the first settlement instruction of the day is given to the debit transaction account, the balance 45 of the debit transaction account B is set only once before the settlement.
Is checked, and if the balance does not reach the preset debit transaction account limit 44, the difference is transferred and deposited from the general transaction account A of the principal, and the balance 45 of the debit transaction account becomes the debit transaction account limit 44 and To be matched.

The debit transaction limit 50 is information for managing the total amount of debit transactions for a relatively long period of time, for example, one month or three months, and is set in advance by the account holder. For example, in the case of managing the total amount of debit transaction for one month by the debit transaction limit 50, the debit transaction balance 51 includes the debit transaction limit once a month on a predetermined date, for example, at the beginning of the month or the payroll transfer date. A numerical value of an amount coinciding with the amount 50 is set, and thereafter, each time a debit transaction is performed, the transaction amount is subtracted from the debit transaction balance 51. Then, again on the predetermined date, that is, the start date of the one-month debit transaction limit management, the debit transaction balance 51 is reset to the numerical value of the debit transaction limit 50.

Returning to FIG. 8, when the owner of the debit cards 11 and 15 requests payment with the personal identification number “NNNN” using the debit card 11 of the general transaction account A at the general transaction terminal 12 such as an ATM of a bank. The debit transaction program executed by the central processing unit 32 of the bank account processing center 30 recognizes that the transaction is a general transaction based on the terminal code number of the ATM, checks the password, and changes the payment request amount to the general transaction account of the principal. After checking whether or not the balance is within the range of A's balance, a transaction is made using his / her general transaction account A. Further, when the owner of the debit cards 11, 15 purchases a product or the like with a personal identification number “MMMM” using a debit card 15 of a debit transaction account B at a store or the like, the central processing unit 32 of the bank account processing center 30 The executed debit transaction program recognizes that the debit transaction is a debit transaction by the terminal code number of the debit transaction terminal placed at the store, etc. After checking whether the balance is within the range of the balance 45 or the requested payment amount is within the range of the debit transaction balance 51, the settlement is performed using the debit transaction account B of the principal. When the personal identification number sent from the terminal does not match the data of the user's account stored in the account file 34, when the required payment amount exceeds the debit transaction account balance 45, or when the required payment amount is the debit transaction balance 51 Is exceeded, the debit transaction program executed by the central processing unit 32 rejects the transaction.

According to this debit transaction system, in addition to being able to systematically prevent excessive use of the debit card holder, card information and password of a general transaction account are used because separate cards are used for general transactions and debit transactions. The number is hardly leaked, and even if the card information or PIN of the debit transaction account is stolen, the damage can be kept within the balance of the debit transaction account.

[0049]

According to the present invention, it is possible to systematically prevent overuse by the debit card owner and to automatically replenish the debit transaction account with the balance within the limit. There is no inconvenience that the person himself / herself transfers and transfers. Separating the general transaction account card and the debit transaction card makes it difficult for the card information and password of the general transaction account to be leaked, and even if the card information or password of the debit transaction account is stolen. Damage can be kept within a certain limit.

[Brief description of the drawings]

FIG. 1 is a schematic diagram illustrating an example of a debit transaction system according to the present invention.

FIG. 2 is a diagram showing a format example of a message of transaction data sent from an ATM to a bank account processing center.

FIG. 3 is a diagram showing an example of a message format of debit transaction data sent from a debit transaction terminal to a bank account processing center.

FIG. 4 is an explanatory diagram showing an example of a management information table of a general transaction account and a debit transaction account.

FIG. 5 is a flowchart showing an example of a debit transaction limit replenishment process from a general transaction account to a debit transaction account.

FIG. 6 is a flowchart showing another example of a debit transaction limit replenishment process from a general transaction account to a debit transaction account.

FIG. 7 is an explanatory diagram showing another example of a management information table for a general transaction account and a debit transaction account.

FIG. 8 is a schematic diagram illustrating another example of a debit transaction system according to the present invention.

FIG. 9 is an explanatory diagram showing an example of a management information table for a general transaction account and a debit transaction account.

FIG. 10 is an explanatory diagram showing another example of a management information table of a general transaction account and a debit transaction account.

[Explanation of symbols]

10: General transaction, 11: Debit card, 12: AT
M, 13: communication control device, 14: dedicated line, 15: debit card, 20: debit transaction, 22: card reader, 23: password input device, 24: electronic cash register, 25: communication control device, 26: Public network line, 3
0: Bank account processing center, 31: Communication controller, 32
... Central processing unit, 33 ... Magnetic storage device, 34 ... Account file, 35a, 36a, 37a ... Data on general transaction accounts, 35b, 36b ... Data on debit transaction accounts, 38,39 ... Data on accounts of shops, etc., 40
... Watch, 41 ... General transaction account balance, 42 ... General transaction PIN, 43 ... Debit transaction account number, 44 ... Debit transaction account limit, 45 ... Debit transaction account balance, 46 ... General transaction account number, 48 ... Latest Debit transaction date, 49
... Debit account PIN, 50 ... Debit limit, 51 ... Debit balance

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 3E040 AA03 CA11 CA14 CA20 DA01 3E044 BA04 DD01 5B055 BB00 BB03 CA07 CB01 CB08 CB15 EE12 EE15 EE21 EE27 EE29 FA01 HA02 HA16 JJ05 KK05 KK12

Claims (13)

[Claims] Claims: 1. A general transaction terminal capable of withdrawing a deposit using a debit card issued by a financial institution, and a debit transaction terminal capable of conducting a debit transaction using a debit card issued by a financial institution. An account processing center provided with an account file storing data relating to a user's general transaction account and a debit transaction account with a debit transaction account limit; and the general transaction terminal and the debit transaction terminal Communication means for connecting to the account processing center, wherein the account processing center performs a transaction process based on data sent from the general transaction terminal by the general transaction account, and the debit transaction terminal Means for performing transaction processing based on the data sent from the machine by the debit transaction account at a predetermined timing. Inspecting the user's debit transaction account balance, and if the inspected debit transaction account balance is less than the debit transaction account limit for the account, the debit transaction account limit and debit transaction account within the range of the user's general transaction account A debit transaction system comprising: a limit replenishment processing means for withdrawing a difference from a balance from a general transaction account of the user and depositing the difference into a debit transaction account. 2. A general transaction terminal capable of withdrawing a deposit using a debit card issued by a financial institution, and a debit transaction terminal capable of performing debit transaction using a debit card issued by a financial institution An account processing center having an account file storing data relating to a general transaction account of a user, a debit transaction account limit, and a debit transaction account in which a debit transaction limit is set; and the general transaction terminal. And a communication means for connecting a debit transaction terminal to the account processing center, wherein the account processing center performs transaction processing based on data sent from the debit transaction terminal by the debit transaction account. At a predetermined timing, the user's debit transaction account balance is inspected, and the inspected debit transaction account balance is When the account is less than the debit transaction account limit, the difference between the debit transaction account limit and the debit transaction account balance within the balance of the user's general transaction account is withdrawn from the user's general transaction account and the debit transaction account And a means for checking whether or not the settlement amount is within the range of the debit transaction account balance and the debit transaction balance when receiving an instruction for settlement processing relating to the debit transaction. A debit transaction system characterized by the following. 3. The debit transaction system according to claim 1, wherein the limit replenishment processing means of the account processing center performs a limit replenishment process, wherein the inspected debit transaction account balance is a debit transaction account limit relating to the account. If the amount is less than the amount and the balance of the general transaction account of the user is greater than the difference between the debit transaction account limit and the balance of the debit transaction account, the difference is withdrawn from the general transaction account of the user and deposited into the debit transaction account. A debit transaction system characterized by the following. 4. The debit transaction system according to claim 1, wherein the limit replenishment processing means of the account processing center performs the limit replenishment process for all debit transaction accounts in the account file. A debit transaction system that is performed once a day. 5. The debit transaction system according to claim 1, 2 or 3, wherein the limit replenishment processing means of the account processing center executes the first transaction processing of the debit transaction account of the day when the processing is performed. A debit transaction system, wherein the limit replenishment process is performed on the debit transaction account beforehand. 6. The debit transaction system according to claim 1, wherein a debit card usable in said general transaction terminal and a debit card usable in said debit transaction terminal are different cards. A debit transaction system characterized by the following. 7. The debit transaction system according to claim 1, wherein different passwords are set for transaction processing using the general transaction account and transaction processing using the debit transaction account. A debit transaction system characterized by the following. 8. A debit transaction method in which data relating to a user's general transaction account and debit transaction account is stored in an account file of a financial institution, and settlement of the debit transaction is performed by the debit transaction account at a predetermined timing. Inspect the debit transaction account balance, and if the inspected debit transaction account balance is less than the preset debit transaction account limit, the account limit and balance of the debit transaction account within the range of the user's general transaction account A debit transaction method comprising performing a limit replenishment process of withdrawing the difference from the general transaction account of the user from the general transaction account and depositing the difference into the debit transaction account. 9. Debit transaction data is stored in an account file of a financial institution by storing data relating to the user's general transaction account and debit transaction account, and the debit transaction is settled by the debit transaction account using the dedicated debit transaction card. The debit transaction account balance is inspected at a predetermined timing, and if the inspected debit transaction account balance is smaller than a preset debit transaction account limit, the debit transaction account is within the range of the general transaction account of the user concerned. A debit transaction method characterized by performing a limit replenishment process of extracting a difference between a limit and a debit transaction account balance from a general transaction account of the user and depositing the difference into a debit transaction account. 10. A debit transaction method in which data relating to a user's general transaction account and a debit transaction account is stored in an account file of a financial institution, and settlement of the debit transaction is performed by the debit transaction account. Has a debit transaction account limit and a debit transaction limit set in advance, and checks the debit transaction account balance at a predetermined timing.If the inspected debit transaction account balance is less than the debit transaction account limit, the user Withdraws the difference between the debit transaction account limit and the debit transaction account balance within the range of the general transaction account balance of the user from the general transaction account of the user and performs the limit replenishment process to deposit it into the debit transaction account, and further instructs settlement If there is a debit, it is checked whether the settlement amount is within the range of the debit transaction balance. Bit trading method. 11. The debit transaction method according to claim 8, 9 or 10, wherein in the limit replenishment processing, the checked debit transaction account balance is less than the debit transaction account limit set for the account, and the user Debit transaction, wherein when the balance of the general transaction account is greater than the difference between the debit transaction account limit and the debit transaction account balance, the difference is withdrawn from the user's general transaction account and deposited in the debit transaction account. Method. 12. The debit transaction method according to claim 8, wherein the limit replenishment process is performed once a day for all debit transaction accounts in the account file. Debit trading method. 13. The debit transaction method according to any one of claims 8 to 11, wherein when the first settlement instruction of the day for the debit transaction account is issued, the debit transaction account is provided to the debit transaction account before settlement. A debit transaction method characterized by performing a limit replenishment process.