JP2001143134A - Transaction method by card and device for executing the same method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent the illegal use of a card in a simple constitution. SOLUTION: At the transaction using a card such as a prepaid card in which specific information such as an ID cord and fluctuating information fluctuating according to the transaction of balance is recorded, the fluctuating information of the card is recorded in a magnetic disk 42 of a host device 40 so as to be made correspond to the specific information, and the specific information and the fluctuating information recorded in the card is read by a reading head 27 of a terminal machine 20 before the transaction is operated, and the read fluctuating information is collated with the fluctuating information of specific information corresponding to the read specific information being the fluctuating information recorded in the magnetic disk 42 by a collating means, and when the both fluctuating information are matched with each other, the transaction is permitted.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction method using a card and a transaction apparatus for executing the method.

[0002]

2. Description of the Related Art In recent years, a system that facilitates cash management and the like by performing transactions using prepaid cards purchased in advance instead of cash has been used for ball rental machines and trains in game rooms such as pachinko parlors. Has been adopted in various fields such as ticket vending machines. In this prepaid card, for example, a magnetic recording portion is configured by printing magnetic ink on a card base made of a resin such as polyethylene or polyvinyl chloride, and the date and time when the card was purchased, a ticket issuing machine number, and a Various data such as the amount of money is recorded.

[0003] For example, when borrowing a pachinko ball, the card user who has purchased the prepaid card inserts the card into the card insertion slot of the ball lending machine and presses a predetermined amount button, and the card user inside the ball lending machine is pressed. The card reader determines whether or not the card is compatible with the ball lending machine, and if the card can be traded by determining the balance in use, lends pachinko balls in a number corresponding to the designated amount, and a card writer. Records the new balance on the card and returns it to the card slot.

[0004] When purchasing a train ticket,
Insert the card into the card slot of the ticket vending machine and press the button to specify the predetermined boarding section, and the card reader inside the ticket vending machine will check whether the card is compatible with the ticket vending machine. In addition to discriminating, if the card can be traded by judging the used balance, a ticket for the specified section is released, and the card writer records the new used balance on that card and returns it to the card slot Has become.

[0005]

However, as the use of prepaid cards as described above has become widespread, crimes of duplicating purchased prepaid cards and illegally using them have become more frequent, which has become a major social problem. Has become. It can be used simply by reading various data recorded on the magnetic recording part of the prepaid card with a card reader, and writing this read data to the magnetic recording part of the used prepaid card or the so-called raw card This is because many cards can be easily copied.

For this reason, various measures have been taken to prevent unauthorized use, such as making a punched hole in the prepaid card to determine that the card has been used. By filling the punch holes with putty or the like, unauthorized use becomes possible, and therefore, it is not necessarily an effective measure. In addition, the amount of damage is reduced as much as possible by refraining from issuing a large amount of prepaid card, but this cannot be a measure to prevent unauthorized use. Furthermore, ignoring the complexity of the card configuration and data, there is no conceivable measure to effectively prevent unauthorized use, but this would lead to an increase in transaction equipment size and cost. Is not easy. The problem that occurs in the prepaid card as described above occurs not only in the prepaid card but also in a credit card and the like.

Accordingly, an object of the present invention is to provide a transaction method using a card which can prevent unauthorized use of a card such as a prepaid card with a simple configuration, and a transaction apparatus for implementing the method.

[0008]

In order to achieve the above object, a card transaction method according to claim 1 is a card transaction method in which fluctuation information that fluctuates in relation to a transaction is recorded. The fluctuation information is recorded in the recording means, and the fluctuation information recorded on the card is read by the reading means before conducting a transaction, and the read fluctuation information and the fluctuation information recorded in the recording means are read. Matching is performed by matching means, and only when the two pieces of fluctuation information match, the transaction is permitted.

In the transaction method using the card according to the first aspect, the fluctuation information recorded on the card is compared with the fluctuation information recorded on the recording means, and the transaction is performed only when both the fluctuation information match. Is allowed. Therefore, even if the card is duplicated, there can be only one usable card irrespective of whether the card is genuine or fake, and there is no point in duplicating the card, thereby preventing unauthorized use.

[0010] A transaction method using a card according to claim 2 is the transaction method according to claim 1, wherein the updating of the fluctuation information recorded on the card and the fluctuation information recorded in the recording means are performed. It is characterized in that the card and the corresponding fluctuation information are updated for each transaction.

[0011] In the transaction method using a card according to the second aspect, the fluctuation information recorded on the card and the fluctuation information recorded on the recording means are updated for each transaction, and the fluctuation information is updated until the card is used. Use will be prevented.

A card transaction method according to a third aspect of the present invention is a card transaction method in which unique information and variation information that fluctuates in relation to the transaction are recorded, wherein the card variation information corresponds to the unique information. Before performing the transaction, the unique information and the variation information recorded on the card are read by the reading unit, and the read variation information and the variation recorded in the recording unit are recorded. The information, wherein the read unique information and the corresponding variation information of the unique information are collated by a collation means, and a transaction is permitted only when the two pieces of variation information match.

In the transaction method using a card according to the third aspect, the fluctuation information recorded on the card is compared with the fluctuation information corresponding to the unique information of the card recorded on the recording means. Trading is only allowed when the information matches. Therefore, even if the card is duplicated, there can be only one usable card irrespective of whether the card is genuine or fake, and there is no point in duplicating the card, thereby preventing unauthorized use.

According to a fourth aspect of the present invention, there is provided a transaction method using a card according to the third aspect, wherein the change information recorded on the card is updated and the change information is recorded in the recording means. It is characterized in that the unique information of the card and the change information of the corresponding unique information are updated for each transaction.

In the transaction method using a card according to the fourth aspect, the fluctuation information recorded on the card and the fluctuation information recorded on the recording means are updated for each transaction, and the fluctuation information is updated until the card is used. Use will be prevented.

According to a fifth aspect of the present invention, there is provided a transaction method using a card according to the third or fourth aspect, wherein the fluctuation information fluctuating in relation to the transaction is a used balance.

In the transaction method using a card according to the fifth aspect, when the usage balance recorded on the card matches the usage balance of the specific information corresponding to the unique information of the card recorded in the recording means, Only trading is allowed.

A transaction method using a card according to claim 6 is the transaction method according to any one of claims 1 to 5, wherein the card is a prepaid card.

In the transaction method using a card according to claim 6, the transaction is performed using a prepaid card.

A transaction device using a card according to claim 7 is a transaction device using a card which records fluctuation information that fluctuates in relation to a transaction, wherein the recording means records the fluctuation information of the card, Reading means for reading information, and matching means for comparing the fluctuation information read by the reading means with the fluctuation information recorded in the recording means, and outputting a transaction permission signal only when both the fluctuation information match. It is characterized by having.

In the transaction apparatus using a card according to the present invention, the fluctuation information of the card is recorded in the recording means, and the fluctuation information recorded in the card and the fluctuation information recorded in the recording means are collated by the collation means. The transaction permission signal is output only when the two pieces of fluctuation information match. Therefore, by performing the transaction when the transaction permission signal is output, even if the card is duplicated, there can be only one usable card irrespective of whether it is genuine or fake and duplicated. This means that the unauthorized use is prevented.

In a transaction apparatus using a card according to an eighth aspect of the present invention, in the transaction apparatus according to the seventh aspect, the reading means is provided in a terminal, and the recording means and the collating means are provided between the terminal and the terminal. It is characterized by being provided in a host machine capable of transmitting and receiving data.

In the transaction apparatus using a card according to the eighth aspect, the fluctuation information of the card is read by the reading means of the terminal, and the fluctuation information recorded on the card and recorded by the collating means of the host machine. And the corresponding fluctuation information.

According to a ninth aspect of the present invention, in the transaction apparatus according to the eighth aspect, the terminal includes a fluctuation information updating means for updating fluctuation information recorded on the card, and The apparatus is provided with a record updating means for updating the fluctuation information recorded on the recording means and corresponding to the card.

In the transaction device using a card according to the ninth aspect, the fluctuation information recorded on the card is updated by the fluctuation information updating means of the terminal for each transaction, and the recording updating means of the host machine stores the fluctuation information in the recording means. The recorded variation information corresponding to the card is updated.

According to a tenth aspect of the present invention, there is provided a card-based transaction apparatus which records unique information and fluctuation information which fluctuates in connection with a transaction, and which corresponds to the card's unique information and fluctuation information. Recording means for attaching and recording, reading means for reading unique information and variation information from the card, and variation information read by the reading means, and variation information recorded on the recording means, wherein It is characterized in that a matching means is provided for comparing the read unique information with the corresponding variation information of the unique information, and outputting a transaction permission signal only when the two pieces of variation information match.

In the transaction device using a card according to the tenth aspect, the fluctuation information of the card is recorded on the recording means in association with the unique information of the card, and the fluctuation information recorded on the card and the fluctuation information recorded on the recording means are recorded. The change information of the unique information corresponding to the unique information of the card is collated by the collation means, and a transaction permission signal is output only when the two pieces of variation information match. Therefore, by performing the transaction when the transaction permission signal is output, even if the card is duplicated, there can be only one usable card irrespective of whether it is genuine or fake and duplicated. This means that the unauthorized use is prevented.

In the transaction device using a card according to the eleventh aspect, in the transaction device according to the tenth aspect, the reading means is provided in a terminal, and the recording means and the collation means are provided between the terminal and the terminal. It is characterized by being provided in a host machine capable of transmitting and receiving data.

In the transaction apparatus using a card according to the eleventh aspect, the unique information and the change information of the card are read by the reading means of the terminal, and the change information and the record recorded on the card are checked by the matching means of the host machine. The change information of the unique information corresponding to the unique information of the card recorded in the means is collated.

[0030] In the transaction apparatus according to a twelfth aspect of the present invention, in the transaction apparatus according to the eleventh aspect, the terminal includes a fluctuation information updating means for updating fluctuation information recorded on the card, and The apparatus further comprises a record updating means for updating the variation information of the unique information corresponding to the unique information of the card, which is the variation information recorded in the recording means.

In the transaction apparatus using a card according to the twelfth aspect, the fluctuation information recorded on the card is updated by the fluctuation information updating means of the terminal for each transaction, and the recording updating means of the host machine stores the fluctuation information in the recording means. The change information of the unique information corresponding to the recorded unique information of the card is updated.

A transaction device using a card according to a thirteenth aspect of the present invention is the transaction device according to any one of the seventh to twelfth aspects, wherein the display device and the transaction device according to any of the seventh to twelfth embodiments are provided in accordance with the presence or absence of the output of the transaction permission signal from the matching device. A display control means for causing the display means to perform an identifiable display is provided.

In the transaction apparatus using a card according to the thirteenth aspect, an identifiable display is performed on the display means according to the presence or absence of the output of the transaction permission signal from the matching means.

[0034] A transaction device using a card according to claim 14 is characterized in that, in the transaction device according to any of claims 10 to 14, the fluctuation information that fluctuates in relation to the transaction is a used balance. .

In the transaction apparatus using a card according to the fourteenth aspect, when the usage balance recorded on the card matches the usage balance of the unique information corresponding to the unique information of the card recorded on the recording means, Only trades are made.

A transaction device using a card according to claim 15 is the transaction device according to any one of claims 7-14, wherein the card is a prepaid card.

In the transaction device using a card according to the fifteenth aspect, the transaction is performed using a prepaid card.

[0038]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a perspective view showing a schematic configuration of a transaction apparatus for carrying out a transaction method using a card according to the present invention. The transaction device 10 includes a terminal device 20 and a host device 4 to which the terminal device 20 is connected via a cable 30.
0. Although a plurality of terminals 20 are normally connected to the host 40, only one is shown in the figure for convenience. The card used in the transaction apparatus 10 is a prepaid card PC as an example, and is configured as follows.

That is, in the prepaid card PC, for example, magnetic ink is printed on a card base material CM made of a resin such as polyethylene or polyvinyl chloride, and the magnetic recording portion M
R is constructed. In this magnetic recording unit MR,
A unique information recording area MR1 such as an ID code, a variable information recording area MR2 which fluctuates in relation to a transaction such as a used balance, a date and time of card purchase, a place of purchase, a ticket issuing machine number, an issue amount, an ID code of a card purchaser, and the like. A management information recording area MR3 for recording various card management information is provided.

Then, in the unique information recording area MR1, unique information such as an ID code having a required number of digits, which is a combination of alphabets and numerals for identifying the prepaid card PC, is recorded, and in the fluctuation information recording area MR2. Is
When the prepaid card PC is purchased, the issued amount is recorded, and each time a transaction is made with the prepaid card PC, the used amount is deducted and the used balance is updated. In the present invention, unique information for identifying a prepaid card PC, such as an ID code, and fluctuation information that fluctuates in relation to a transaction, such as a used balance, are used. The fluctuation information that fluctuates in connection with the transaction includes, in addition to the balance in use, the latest transaction date and time that is recorded or rewritten for each transaction, and other identification that is recorded or rewritten for each transaction. Information and the like can be used. If the prepaid card PC can be identified by management information such as the date and time of purchase of the card, the place of purchase, and the number of the ticket issuing machine, these data can be used as unique information instead of the ID code. In the following, a case where an ID code is recorded as unique information on the prepaid card PC and a usage balance is recorded as fluctuation information will be described.

The terminal device 20 is installed at the hand of a card user or the like, and controls a ball discharging mechanism in the case of a pachinko ball lending machine, and controls a ticket issuing mechanism in the case of a ticket vending machine. Is what you do. In the terminal 20, a card insertion slot 22 is formed at the lower right of the front of the housing 21, and a display unit 23 such as a cathode ray tube or the like for displaying input amount data, transaction permission information and the like is provided above the card insertion slot 22. It is arranged. An input key 24 composed of a numeric keypad or the like for inputting amount data is provided at the lower left of the front of the housing 21. A confirmation key 25 for confirming the input amount data and an input amount data are provided above the input key 24. And a cancel key 26 for canceling.

When the prepaid card PC is inserted into the card slot 22, the prepaid card PC is pinched and drawn into the housing 21, and the prepaid card PC on which predetermined processing has been completed is inserted. A roller pair (not shown) for discharging to the outside is provided, and a reading head 27 and a writing head 28 are provided along the path of the prepaid card PC. In addition, a control unit 29 that controls the overall operation of the terminal 20 is provided inside the housing 21.
A circuit board (not shown) that constitutes a driving circuit for the roller pair, a driving circuit for the display unit 23, a reading circuit, a writing circuit, and the like is provided.

The read head 27 reads an ID code and a used balance from the magnetic recording section MR of the prepaid card PC. The writing head 28 updates the usage balance by rewriting the recorded contents of the fluctuation information recording area MR2 of the prepaid card PC.
9 together with the balance calculation means 292a to be described later.

The host device 40 is installed in a computer management room or the like which is separated from the terminal device 20. Inside the housing 41, an ID code recorded on the prepaid card PC, a used balance, and other information as necessary. The magnetic disk 42 as a recording means for recording the card management information in a predetermined recording area in association with the card management information, and reading the read contents such as the used balance from the predetermined recording area of the magnetic disk 42 in accordance with the operation of the terminal 20 A head 43, a write head 44 for rewriting a predetermined (identical) recording area of the magnetic disk 42 in accordance with the update of the used balance of the prepaid card PC, and updating the used balance, and a host unit synchronized with the operation of the terminal 20 A control unit 45 for controlling the overall operation of the magnetic disk 40 is provided, and a drive circuit, a read circuit, a write circuit, etc. Road substrate or the like is formed is disposed.

The read head 43 includes a magnetic disk 42
And reads data such as an ID code and a used balance from a predetermined recording area. In addition, the write head 44 includes
Together with the control unit 45, a recording / updating unit for updating the used balance in a predetermined area of the magnetic disk 42 is configured. Each time a new prepaid card is issued, predetermined data such as an ID code and an issuance amount are transmitted from a card vending machine (not shown) to the magnetic disk 42, and are written to a new recording area by the write head 44. It is written and registered. This registration is done on the first use of the card,
When the balance is the issuance amount, it may be performed on condition that there is no identical ID code.

FIG. 2 is a block diagram showing a control configuration of transaction apparatus 10. In this figure, the control unit 29 of the terminal 20 includes a storage unit 291 and a CPU 292. The storage unit 291 includes a ROM in which a program for controlling the overall operation of the terminal 20 is stored, a RAM for temporarily storing data, and the like. The CPU 292
The read head 27 performs a read operation, and the write head 2
8 performs a write operation. Also, the CPU 292
It has the functions of a balance calculating means 292a for calculating the used balance at the time of transaction, a display control means 292b for controlling the operation of the display unit 23, and a load control means 292c for controlling a load unit such as a ball discharging mechanism and a ticketing mechanism. I have.

The display unit drive circuit 23a and the load unit drive circuit RC are connected to the control unit 29 of the terminal 20, and the display control unit 292b and the load control unit 29 of the control unit 29 are connected.
The display unit 23 and the load unit R are driven in accordance with the control signal output from 2c. Control unit 2
9 includes an input key 24, a confirmation key 25, and a cancel key 26.
Is connected. Further, a card sensor CS that detects that the prepaid card PC has been inserted into the card insertion slot 22 of the terminal device 20 is connected to the control unit 29.

The control unit 45 of the host device 40 includes a storage unit 451 and a CPU 452. The storage unit 451 includes a ROM in which a program for controlling the overall operation of the host device 40 is stored, and an RA for temporarily storing data.
M and the like. The CPU 452 causes the read head 43 to perform a read operation, the write head 44 to perform a write operation, and a prepaid card PC.
Data of the usage balance read from the
2. Matching the data of the used balance under the corresponding ID code read from 2 and outputting a transaction permission signal when the two used balances match, and outputting a transaction rejection signal when the two used balances do not match. It has the function of the means 452a. Also, the transaction refusal signal is output from the matching means 452a even when the corresponding ID code does not exist.

The control unit 29 of the terminal device 20 and the control unit 45 of the host device 40 are connected to each other via input / output units 29a and 45a, respectively. In addition, the display of the transaction permission is made on the display unit 23 of the terminal device 20, and the input from the input key 24 is enabled. Further, when the transaction disapproval signal is output from the matching unit 452a, the display of the transaction disapproval is displayed on the display unit 23 of the terminal device 20, and the input from the input key 24 remains disabled. The prepaid card PC may be forcibly returned when the transaction disapproval signal is output from the matching unit 452a.

It should be noted that no signal may be output when the data match, and a transaction rejection signal may be output only when the data does not match. In this case, when the transaction refusal signal is not output from the matching unit 452a within a certain period of time, the control unit 28 of the terminal device 20 or the control unit 45 of the host device 40 assumes that the transaction permission signal is output from the matching unit 452a. What is necessary is just to display the transaction permission on the display unit 23 of the terminal device 20 and to enable the input from the input key 24. In this manner, the display of the transaction permission on the display unit 23 and the fact that the input from the input key 24 is possible are substantially equivalent to the fact that the transaction permission signal is output from the matching unit 452a.

It is also possible to output a transaction permission signal only when the data match, and not to output a signal when the data does not match. In this case, when the transaction permission signal is not output from the matching unit 452a within a certain period of time, the control unit 28 of the terminal device 20 or the control unit 45 of the host device 40 assumes that the transaction disapproval signal is output from the matching unit 452a. The display of the transaction refusal is displayed on the display unit 23 of the terminal device 20, and the input from the input key 24 remains disabled.

FIG. 3 is a flowchart showing the processing operation of the transaction apparatus 10. The processing operation of the transaction device 10 will be described with reference to FIG. First, when the card user inserts the prepaid card PC into the card insertion slot 22 of the terminal device 20, when it is confirmed that the card has been inserted (step S1), the ID code and usage balance recorded on the card are used. Is read, and the data is sent to the recording unit 291 of the terminal device 20 and the recording unit 451 of the host device 40 (step S2). Then, the magnetic disk 42 is searched for, for example, a matching ID code corresponding to the ID code of the recording unit 451 (step S3). As a result, the data of the used balance corresponding to the same ID code is read from the magnetic disk 42. Is performed (step S4).

Next, the used balance in the recording unit 451 is compared with the used balance read from the magnetic disk (step S5). In the present invention, at least the usage balance recorded on the prepaid card PC and the usage balance recorded on the magnetic disk 42 need only be collated based on the ID code. And the prepaid card P
If it is determined that the usage balance recorded in C is equal to the usage balance recorded in the magnetic disk 42 (YES in step S5), the display unit 23 permits the transaction with the prepaid card PC. Is displayed (step S6). If it is determined that the usage balance recorded on the prepaid card PC does not match the usage balance recorded on the magnetic disk 42 (N in step S5)
O), the display unit 23 displays that the transaction using the card is not permitted (step S7), and the card is ejected to the outside.

When the transaction using the prepaid card PC is permitted, the card user inputs the transaction amount with the input key 24, checks the transaction amount displayed on the display unit 23, and presses the confirmation key 25 to input the transaction amount. The transaction amount data is temporarily stored in the storage unit 291, and it is determined whether the transaction amount does not exceed the current usage balance (step S8), and if it is determined that the transaction amount does not exceed the current usage balance (step S8). The load unit R is driven in accordance with the transaction amount (YES in step S8) (step S9). That is, in the case of a pachinko ball lending machine, the ball discharge mechanism operates to rent out a number of balls corresponding to the input amount data, and in the case of a ticket vending machine, the ticket issuing mechanism operates. A ticket for the section corresponding to the input amount data is released. If it is determined that the input transaction amount exceeds the current usage balance (NO in step S8), an indication that the transaction amount is over is displayed on the display unit 23 (step S1).
0).

Next, it is determined whether or not the driving of the load unit R has been completed after a predetermined time (step S11). When it is determined that the driving has been completed (YES in step S11), the use balance of the previously read card is used. This transaction amount is deducted, a new balance is calculated, and the prepaid card PC
Is updated at the same time as the usage balance of the magnetic disk 42 is updated (step S12).

The transaction method using the above-mentioned card of the present invention and the transaction apparatus 10 for executing the method can be used for the information on the fluctuation of the used balance recorded on the prepaid card PC and the fluctuation of the used balance recorded on the magnetic disk 42. Information and ID
Since verification is performed based on unique information such as codes and transactions are permitted only when the two pieces of fluctuation information match, even if a large number of prepaid card PCs are duplicated, the card that can be used is genuine or fake. That is, only one copy can exist, and as a result, there is no point in duplicating, and unauthorized use is prevented.

The transaction apparatus for carrying out the transaction method using the card of the present invention is constructed and operates as described above, but the following various modifications are possible.

(1) In the above embodiment, the transaction device 10
Describes that the card user himself / herself operates the terminal device 20 such as a pachinko ball rental machine or a train ticket vending machine, but for example, such as purchasing a product at a supermarket or a department store. The case can also be applied. In this case, the cashier inserts the prepaid card PC into the card slot 22 of the terminal 20, displays the transaction permission on the display unit 23, and then inputs the transaction amount, which is the purchase price, into the input key 2
4 will be input. Then, when the payment is completed and the fluctuation information such as the used balance of the prepaid card PC and the magnetic disk 42 is updated, the card slot 2
The card discharged in 2 is returned from the cashier to the card user. In this case, a receipt issuing mechanism unit is connected to the control unit 29 as the load unit R.

(2) When the terminal device 20 is applied to a pachinko ball rental machine, a train ticket vending machine, or the like as in the above embodiment, the input key 24 is not constituted by a numeric keypad. , 500 yen key, 1000 yen key, etc., a plurality of keys directly corresponding to the borrowed money amount may be provided, or a plurality of keys directly displaying the amount of money corresponding to the boarding section may be provided. Good. Further, instead of configuring the display unit 23 with a cathode ray tube or the like, it is also possible to display the transaction permission and the transaction non-permission by turning on a display light composed of a light emitting diode or the like. The display unit 23
Not necessarily essential.

(3) In the above embodiment, the transaction device 10
The control units 29 and 4 are provided to both the terminal device 20 and the host device 40.
5, the control unit may be provided only in the host device 40, and the control unit may control both the terminal device 20 and the host device 40. In addition, the above transaction apparatus 10 is used only in one store, or one host machine 40 is installed in a head office or the like, and the terminal device 20 is used in a plurality of chain stores. Or one host machine 40 is installed in the management headquarters of the same industry,
The terminal 20 may be installed in a member store of the industry and used jointly. Also, one host machine 40
Thus, it is also possible to manage a large number of terminals 20 installed both in Japan and overseas. Further, when the terminal device 20 is used only in one store, the components of the terminal device 20 and the components of the host device 40 may be housed in the same housing.

(4) As shown in FIG. 4, a host device 40 and a terminal 20 connected to the host device 40 are installed in each store, and each store in each store in a certain region is provided for each fixed region. A medium-level host device 40 ′ that supervises the host device 40 is installed, and the above-mentioned medium-level host device 40 ′ is set up in the management headquarters.
By installing a higher-level host device 40 "that supervises the system and arranging the host devices in a hierarchy, it is possible to construct a system in which any store in any region can perform transactions with the same prepaid card. In this transaction system, For example, when a prepaid card is purchased at a certain store, the ID code, issuance amount, and other necessary card management information of the purchased prepaid card are registered in the host device 40 at the store. The information is also registered in the middle host device 40 'and the upper host device 40 "at the same time. However, the information is not registered in the host machine 40 of another store.

When the card user makes a transaction at the store where the prepaid card was purchased, the terminal 20 of the store
The processing is performed by the host device 40 and the fluctuation information such as the usage balance of the prepaid card and the fluctuation information such as the usage balance recorded in the host device 40 are updated. At this time, the fluctuation information such as the used balance recorded in the middle host device 40 'and the upper host device 40 "is also updated. In addition, the card user purchases the prepaid card. When conducting a transaction at another store other than the store, the prepaid card information is not registered in the host device 40 of the other store. The necessary data is read from the prepaid card, and the necessary data is read from the host device 40 "in another area to update the fluctuation information such as the balance of the prepaid card used. The host machine 40 of the store that purchased
To the middle host device 40 ′ and the upper host device 40 ″.
The data is updated at 0 ', 40 ". In this manner, the operation of the host machines is dispersed by employing a transaction system for hierarchically searching for information on prepaid cards, and the host machines 40, 40 are operated. ', 40 "can be operated efficiently.

(5) In the above embodiment, the transaction is managed by the unique information such as the ID code recorded on the prepaid card and the fluctuation information such as the used balance that fluctuates in relation to the transaction. Uses card identification information with a large number of bits generated randomly or with a certain regularity in secret as fluctuation information for verification,
If you update this information every time you make a transaction,
Since the probability that the same card identification information is assigned is extremely small, it is possible to manage the transaction using only the fluctuation information without using unique information such as an ID code. That is, the fluctuation information of the prepaid card is updated for each transaction, and the fluctuation information recorded on the magnetic disk 42 and corresponding to the prepaid card is updated. The change information of the card is compared with the change information recorded on the magnetic disk 42, and when both pieces of change information match (ie,
The transaction may be permitted only when the fluctuation information recorded on the magnetic disk 42 includes fluctuation information that matches the fluctuation information of the card. Of course, it is also possible to perform the management in a state where the data of the used balance is included in the fluctuation information. Further, when the card identification information as described above is used as the fluctuation information, if the used balance is recorded and updated at least on the magnetic disk 42 side, a predetermined transaction amount range can be obtained without recording it on the prepaid card. It is possible to manage transactions within the company.

(6) Card identification with a large number of bits generated randomly or with a certain regularity described in (5) above as fluctuation information that fluctuates in connection with a transaction. In the case where information is used, an area for recording the card identification information so as to be readable by the read head 27 of the terminal 20 is provided in the magnetic recording unit MR of the prepaid card PC shown in FIG. However, it is possible to realize a prepaid card which has an almost similar form to the above prepaid card but is easy to collate.

(7) The present invention can be applied to transactions other than prepaid cards, for example, credit card transactions. That is, in the case of a credit card, if the personal identification number is disclosed to another person, there is a possibility that the personal identification number is misused. In addition, there is a possibility that the information is copied and abused. However, while a credit card has a variable information recording area in the same manner as the above-mentioned prepaid card, card identification information having a large number of bits generated randomly or with a certain regularity in secret in this recording area. Is recorded as fluctuation information, and this fluctuation information is updated every time a transaction is made with a credit card, effectively preventing unauthorized use of a credit card as in the case of a prepaid card Can be. In the case of this credit card, as in the case of the prepaid card, the transaction may be managed by comparing the change information based on the unique information such as the ID code, or the transaction may be managed by comparing only the change information. May be managed.

(8) In the above embodiment, the recording area of the prepaid card, such as the unique information and the variation information, is constituted by magnetic means. However, the recording area is constituted by other means such as a bar code or an IC memory. Needless to say, it may be done. This is exactly the same for other cards other than the prepaid card.

[0067]

As described above, the transaction method using a card according to the first and second aspects of the present invention provides a transaction only when the fluctuation information recorded on the card matches the fluctuation information recorded on the recording means. Is permitted, so that unauthorized use of the card can be prevented with a simple configuration.

In the transaction method using a card according to the second aspect, the updating of the fluctuation information recorded on the card and the updating of the fluctuation information recorded on the recording means are performed for each transaction. Until the card becomes used, unauthorized use of the card can be prevented.

[0069] The transaction method using a card according to claims 3 and 4 is characterized in that the fluctuation information recorded on the card and the fluctuation information recorded on the recording means, which correspond to the specific information of the card, correspond to the fluctuation information. Since the transaction is permitted only when the fluctuation information matches, the illegal use of the card can be prevented with a simple configuration.

Further, in the transaction method using a card according to the present invention, the change information recorded on the card is updated and the unique information corresponding to the unique information of the card is recorded. Since the change information is updated for each transaction, unauthorized use of the card can be prevented until the card is used.

In the transaction method using a card according to the fifth aspect, since the fluctuation information that fluctuates in relation to the transaction is the used balance, it is possible to effectively prevent unauthorized use of the card with a simple configuration.

The card transaction method according to claim 6 can be applied to many transaction fields because the card is a prepaid card, and can effectively prevent unauthorized use of the card with a simple structure. Can be.

According to a seventh aspect of the present invention, there is provided a transaction device using a card, comprising: recording means for recording fluctuation information of a card, reading means for reading fluctuation information from the card, and fluctuation information read by the reading means. Since there is provided matching means for checking the fluctuation information recorded in the recording means and outputting a transaction permission signal only when both pieces of fluctuation information match, it is possible to prevent unauthorized use of the card with a simple configuration. it can.

Further, in the transaction apparatus using a card according to the present invention, the reading device is provided in a terminal device, and the recording device and the collating device are capable of exchanging data with the terminal device. Since it is provided, one host device can manage a plurality of terminals.

According to a ninth aspect of the present invention, there is provided a transaction apparatus using a card, wherein the terminal device includes a fluctuation information updating means for updating the fluctuation information recorded on the card, and the host device has the fluctuation information recorded on the recording means. Since the recording and updating means for updating the change information corresponding to the card is provided, it is possible to prevent unauthorized use of the card until the card is used.

According to a tenth aspect of the present invention, there is provided a transaction device using a card, comprising: a recording means for recording the unique information of the card and the variation information in association with each other; a reading means for reading the unique information and the variation information from the card; The variation information read by the reading unit is compared with the variation information recorded in the recording unit and corresponding to the unique information read by the reading unit, and both pieces of variation information match. Since the matching means for outputting the transaction permission signal only when necessary is provided, it is possible to prevent unauthorized use of the card with a simple configuration.

Further, in the transaction device using a card according to claim 11, the reading device is provided in a terminal device, and the recording device and the collating device are capable of exchanging data with the terminal device. Since it is provided, one host device can manage a plurality of terminals.

Further, in the transaction apparatus using a card according to the twelfth aspect, the terminal device includes fluctuation information updating means for updating the fluctuation information recorded on the card, and the host device has the fluctuation information recorded on the recording means. Since the recording and updating means for updating the variation information of the unique information corresponding to the unique information of the card is provided, unauthorized use of the card can be prevented until the card is used.

According to a thirteenth aspect of the present invention, there is provided a transaction device using a card, comprising: display means; and display control means for causing the display means to perform an identifiable display in accordance with the presence or absence of a transaction permission signal from the collation means. Since it is provided, it is possible to easily determine whether or not a transaction with the card is possible.

In the transaction apparatus using a card according to the present invention, since the fluctuation information that fluctuates in relation to the transaction is the used balance, it is possible to effectively prevent unauthorized use of the card with a simple configuration.

In the transaction device using a card according to the fifteenth aspect, since the card is a prepaid card, it can be applied to many transaction fields, and can effectively prevent unauthorized use of the card with a simple configuration. be able to.

[Brief description of the drawings]

FIG. 1 is an overall perspective view of a transaction device that performs a transaction method using a prepaid card according to the present invention.

FIG. 2 is a block diagram showing a control configuration of the transaction apparatus shown in FIG.

FIG. 3 is a flowchart illustrating a processing operation of the transaction apparatus shown in FIG. 1;

FIG. 4 is a diagram for explaining a transaction system using the transaction device shown in FIG. 1;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Transaction apparatus 20 Terminal 23 Display part (display means) 24 Input key 25 Confirmation key 26 Cancel key 27 Reading head (Reading means) 28 Writing head 29 Control part 30 Cable 40 Host machine 42 Magnetic disk (Recording means) 43 Reading Head 44 Write head 45 Control unit 292b Display control unit 452a Verification unit

────────────────────────────────────────────────── ───

[Procedure amendment]

[Submission date] September 1, 2000 (2009.1)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction contents]

[Document Name] Statement

Patent application title: Transaction method by card and apparatus for implementing the method

[Claims]

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction method using a card and a transaction apparatus for executing the method.

[0002]

2. Description of the Related Art In recent years, a system that facilitates cash management and the like by performing transactions using prepaid cards purchased in advance instead of cash has been used for ball rental machines and trains in game rooms such as pachinko parlors. Has been adopted in various fields such as ticket vending machines. In this prepaid card, for example, a magnetic recording portion is configured by printing magnetic ink on a card base made of a resin such as polyethylene or polyvinyl chloride, and the date and time when the card was purchased, a ticket issuing machine number, and a Various data such as the amount of money is recorded.

[0003] For example, when borrowing a pachinko ball, the card user who has purchased the prepaid card inserts the card into the card insertion slot of the ball lending machine and presses a predetermined amount button, and the card user inside the ball lending machine is pressed. The card reader determines whether or not the card is compatible with the ball lending machine, and if the card can be traded by determining the balance in use, lends pachinko balls in a number corresponding to the designated amount, and a card writer. Records the new balance on the card and returns it to the card slot.

[0004] When purchasing a train ticket,
Insert the card into the card slot of the ticket vending machine and press the button to specify the predetermined boarding section, and the card reader inside the ticket vending machine will check whether the card is compatible with the ticket vending machine. In addition to discriminating, if the card can be traded by judging the used balance, a ticket for the specified section is released, and the card writer records the new used balance on that card and returns it to the card slot Has become.

[0005]

However, as the use of prepaid cards as described above has become widespread, crimes of duplicating purchased prepaid cards and illegally using them have become more frequent, which has become a major social problem. Has become. It can be used simply by reading various data recorded on the magnetic recording part of the prepaid card with a card reader, and writing this read data to the magnetic recording part of the used prepaid card or the so-called raw card This is because many cards can be easily copied.

For this reason, various measures have been taken to prevent unauthorized use, such as making a punched hole in the prepaid card to determine that the card has been used. By filling the punch holes with putty or the like, unauthorized use becomes possible, and therefore, it is not necessarily an effective measure. In addition, the amount of damage is reduced as much as possible by refraining from issuing a large amount of prepaid card, but this cannot be a measure to prevent unauthorized use. Furthermore, ignoring the complexity of the card configuration and data, there is no conceivable measure to effectively prevent unauthorized use, but this would lead to an increase in transaction equipment size and cost. Is not easy. The problem that occurs in the prepaid card as described above occurs not only in the prepaid card but also in a credit card and the like.

Accordingly, an object of the present invention is to provide a transaction method using a card which can prevent unauthorized use of a card such as a prepaid card with a simple configuration, and a transaction apparatus for implementing the method.

[0008]

To achieve the above object, according to an aspect of the transaction apparatus according card according to claim 1, regarding the transaction
Transaction equipment with a card that records fluctuation information that fluctuates continuously
Recording means for recording the fluctuation information of the card,
Reading means for reading variation information from a card, and the reader
The fluctuation information read in the step and the fluctuation information recorded in the recording means.
And the two pieces of fluctuation information match.
Checking means that outputs a transaction permission signal only when the transaction is permitted
Allows you to enter amount data when a signal is output
Enter key, the amount data entered by this input key
The correspondingly driven load unit and amount data are input.
Load control means for driving the load section in response to the
It is characterized by having.

In the transaction device using a card according to the first aspect, the change information of the card is recorded in the recording means.
Recorded in the recording means and the variation information recorded in the
The fluctuation information is collated with the collation means, and the two
Only when the transaction is permitted. And input
Key to enter the amount data and enter the amount data.
The load is driven according to the amount data
Is done. Therefore, even if you duplicate the card, it can be used
There can be only one card, real or fake
This means that duplication does not make sense and unauthorized use
Is prevented.

[0010] A transaction device using a card according to claim 2.
The location is, and change information that varies in relation to the transaction with the unique information
Transaction device with recorded card, unique to card
Recording means for recording information and variation information in association with each other,
Reading means for reading unique information and variation information from the card,
The fluctuation information read by the reading means and the recording
Recorded fluctuation information which is read by the reading means.
Collated unique information with the corresponding fluctuation information,
Only output trading permission signal when fluctuation information matches
Matching means, amount data when the transaction permission signal is output
Input key that can input
Load unit driven in accordance with the amount data to be performed, and
The load unit is driven by the input of the amount data.
And load control means.

[0011] In the transaction device using a card according to the second aspect, the unique information and the change information of the card are recorded in the recording means.
Recorded on the card and the change information recorded on the card.
The recorded fluctuation information, which is unique to the card
The corresponding variation information is collated by the collation means, and both
The transaction permission signal is output only when the values match. Soshi
The amount data is entered using the input keys.
Is entered, the load corresponding to the amount data
The unit is driven. So even if you duplicate the card
Only one card can be used, genuine or fake
And there is no point in duplicating.
Unauthorized use will be prevented.

[0012] A transaction device using a card according to claim 3.
The device according to claim 2 relates to the transaction.
The fluctuation information that fluctuates is the used balance, and the load control
The column does not exceed the amount entered on the card
It is characterized in that the load is sometimes driven. In accordance with transaction device card according to the claim 3, it is input
The load section is activated when the amount of money
Be moved.

[0013] In the transaction method using a card according to claim 4, the unique information and the fluctuation information that fluctuates in relation to the transaction are converted.
Transaction method using the recorded card, which fluctuates on the card
Record the date and time of the transaction as information and record it on the card.
Recorded transaction date and time in association with the unique information
Recorded on the means, and recorded on the card before conducting the transaction
The unique information and the transaction date and time
And the read transaction date and time and recorded in the recording means.
The transaction date and time, and the read unique information and
The corresponding transaction date and time are collated by the collation means.
Allow trading only when the time matches
It is characterized by.

In the transaction method using a card according to claim 4, the transaction date and time recorded on the card and the recording means
Transaction date and time corresponding to the recorded card specific information and
And the transaction is only allowed if both transaction dates and times match
Is done. Therefore, even if you duplicate the card,
There can be only one card that can be cut, genuine or fake
And there is no point in duplicating it.
Use will be prevented.

[0015] A transaction device using a card according to claim 5.
The location is, and change information that varies in relation to the transaction with the unique information
Transaction device with recorded card, unique to card
Corresponds to the transaction date and time recorded as fluctuation information
Recording means for attaching and recording unique information from the card.
Reading means for reading the date and time of the delivery, and reading by the reading means.
Transaction date and time and transaction recorded in the recording means
Date and time, corresponding to the unique information read by the reading means
The date and time of the transaction
Only that it has a matching means that outputs a transaction permission signal.
It is a sign.

In the transaction device using a card according to claim 5, the transaction date and time recorded on the card and the recording means
Transaction date and time corresponding to the recorded card specific information and
And the transaction is only allowed if both transaction dates and times match
Is done. Therefore, even if you duplicate the card,
There can be only one card that can be cut, genuine or fake
And there is no point in duplicating it.
Use will be prevented.

[0017]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a perspective view showing a schematic configuration of a transaction apparatus for carrying out a transaction method using a card according to the present invention. The transaction device 10 includes a terminal device 20 and a host device 4 to which the terminal device 20 is connected via a cable 30.
0. Although a plurality of terminals 20 are normally connected to the host 40, only one is shown in the figure for convenience. The card used in the transaction apparatus 10 is a prepaid card PC as an example, and is configured as follows.

That is, in the prepaid card PC, for example, magnetic ink is printed on a card base material CM made of a resin such as polyethylene or polyvinyl chloride, and the magnetic recording portion M is printed.
R is constructed. In this magnetic recording unit MR,
A unique information recording area MR1 such as an ID code, a variable information recording area MR2 which fluctuates in relation to a transaction such as a used balance, a date and time of card purchase, a place of purchase, a ticket issuing machine number, an issue amount, an ID code of a card purchaser, and the like. A management information recording area MR3 for recording various card management information is provided.

In the unique information recording area MR1, unique information such as an ID code composed of a required number of digits, which is a combination of alphabets and numerals for identifying the prepaid card PC, is recorded. Is
When the prepaid card PC is purchased, the issued amount is recorded, and each time a transaction is made with the prepaid card PC, the used amount is deducted and the used balance is updated. In the present invention, unique information for identifying a prepaid card PC, such as an ID code, and fluctuation information that fluctuates in relation to a transaction, such as a used balance, are used. The fluctuation information that fluctuates in connection with the transaction includes, in addition to the balance in use, the latest transaction date and time that is recorded or rewritten for each transaction, and other identification that is recorded or rewritten for each transaction. Information and the like can be used. If the prepaid card PC can be identified by management information such as the date and time of purchase of the card, the place of purchase, and the number of the ticket issuing machine, these data can be used as unique information instead of the ID code. In the following, a case where an ID code is recorded as unique information on the prepaid card PC and a usage balance is recorded as fluctuation information will be described.

The terminal device 20 is installed at a hand of a card user or the like, and controls a ball discharging mechanism in the case of a pachinko ball lending machine, and controls a ticket issuing mechanism in the case of a ticket vending machine. Is what you do. In the terminal 20, a card insertion slot 22 is formed at the lower right of the front of the housing 21, and a display unit 23 such as a cathode ray tube or the like for displaying input amount data, transaction permission information and the like is provided above the card insertion slot 22. It is arranged. An input key 24 composed of a numeric keypad or the like for inputting amount data is provided on the lower left of the front surface of the housing 21. And a cancel key 26 for canceling.

When the prepaid card PC is inserted into the card slot 22, the prepaid card PC is inserted into the housing 21 and drawn into the housing 21. A roller pair (not shown) for discharging to the outside is provided, and a reading head 27 and a writing head 28 are provided along the path of the prepaid card PC. In addition, a control unit 29 that controls the overall operation of the terminal 20 is provided inside the housing 21.
A circuit board (not shown) that constitutes a driving circuit for the roller pair, a driving circuit for the display unit 23, a reading circuit, a writing circuit, and the like is provided.

The read head 27 reads an ID code and a used balance from the magnetic recording section MR of the prepaid card PC. The writing head 28 updates the usage balance by rewriting the recorded contents of the fluctuation information recording area MR2 of the prepaid card PC.
9 together with the balance calculation means 292a to be described later.

The host device 40 is installed in a computer management room or the like that is separated from the terminal device 20. Inside the housing 41, an ID code recorded on a prepaid card PC, a used balance, and other information as necessary. The magnetic disk 42 as a recording means for recording the card management information in a predetermined recording area in association with the card management information, and reading the read contents such as the used balance from the predetermined recording area of the magnetic disk 42 in accordance with the operation of the terminal 20 A head 43, a write head 44 for rewriting a predetermined (identical) recording area of the magnetic disk 42 in accordance with the update of the used balance of the prepaid card PC, and updating the used balance, and a host unit synchronized with the operation of the terminal 20 A control unit 45 for controlling the overall operation of the magnetic disk 40 is provided, and a drive circuit, a read circuit, a write circuit, etc. Road substrate or the like is formed is disposed.

The read head 43 includes a magnetic disk 42
And reads data such as an ID code and a used balance from a predetermined recording area. In addition, the write head 44 includes
Together with the control unit 45, a recording / updating unit for updating the used balance in a predetermined area of the magnetic disk 42 is configured. Each time a new prepaid card is issued, predetermined data such as an ID code and an issuance amount are transmitted from a card vending machine (not shown) to the magnetic disk 42, and are written to a new recording area by the write head 44. It is written and registered. This registration is done on the first use of the card,
When the balance is the issuance amount, it may be performed on condition that there is no identical ID code.

FIG. 2 is a block diagram showing a control configuration of the transaction apparatus 10. In this figure, the control unit 29 of the terminal 20 includes a storage unit 291 and a CPU 292. The storage unit 291 includes a ROM in which a program for controlling the overall operation of the terminal 20 is stored, a RAM for temporarily storing data, and the like. The CPU 292
The read head 27 performs a read operation, and the write head 2
8 performs a write operation. Also, the CPU 292
It has the functions of a balance calculating means 292a for calculating the used balance at the time of transaction, a display control means 292b for controlling the operation of the display unit 23, and a load control means 292c for controlling a load unit such as a ball discharging mechanism and a ticketing mechanism. I have.

The display unit driving circuit 23a and the load unit driving circuit RC are connected to the control unit 29 of the terminal 20, and the display control unit 292b and the load control unit 29 of the control unit 29 are connected.
The display unit 23 and the load unit R are driven in accordance with the control signal output from 2c. Control unit 2
9 includes an input key 24, a confirmation key 25, and a cancel key 26.
Is connected. Further, a card sensor CS that detects that the prepaid card PC has been inserted into the card insertion slot 22 of the terminal device 20 is connected to the control unit 29.

The control unit 45 of the host device 40 includes a storage unit 451 and a CPU 452. The storage unit 451 includes a ROM in which a program for controlling the overall operation of the host device 40 is stored, and an RA for temporarily storing data.
M and the like. The CPU 452 causes the read head 43 to perform a read operation, the write head 44 to perform a write operation, and a prepaid card PC.
Data of the usage balance read from the
2. Matching the data of the used balance under the corresponding ID code read from 2 and outputting a transaction permission signal when the two used balances match, and outputting a transaction rejection signal when the two used balances do not match. It has the function of the means 452a. Also, the transaction refusal signal is output from the matching means 452a even when the corresponding ID code does not exist.

The control unit 29 of the terminal device 20 and the control unit 45 of the host device 40 are connected to each other via input / output units 29a and 45a, respectively. In addition, the display of the transaction permission is made on the display unit 23 of the terminal device 20, and the input from the input key 24 is enabled. Further, when the transaction disapproval signal is output from the matching unit 452a, the display of the transaction disapproval is displayed on the display unit 23 of the terminal device 20, and the input from the input key 24 remains disabled. The prepaid card PC may be forcibly returned when the transaction disapproval signal is output from the matching unit 452a.

It should be noted that no signal may be output when the data match, and a transaction rejection signal may be output only when the data does not match. In this case, when the transaction refusal signal is not output from the matching unit 452a within a certain period of time, the control unit 28 of the terminal device 20 or the control unit 45 of the host device 40 assumes that the transaction permission signal is output from the matching unit 452a. What is necessary is just to display the transaction permission on the display unit 23 of the terminal device 20 and to enable the input from the input key 24. In this manner, the display of the transaction permission on the display unit 23 and the fact that the input from the input key 24 is possible are substantially equivalent to the fact that the transaction permission signal is output from the matching unit 452a.

It is also possible to output a transaction permission signal only when the data match, and not to output a signal when the data does not match. In this case, when the transaction permission signal is not output from the matching unit 452a within a certain period of time, the control unit 28 of the terminal device 20 or the control unit 45 of the host device 40 assumes that the transaction disapproval signal is output from the matching unit 452a. The display of the transaction refusal is displayed on the display unit 23 of the terminal device 20, and the input from the input key 24 remains disabled.

FIG. 3 is a flowchart showing the processing operation of the transaction apparatus 10. The processing operation of the transaction device 10 will be described with reference to FIG. First, when the card user inserts the prepaid card PC into the card insertion slot 22 of the terminal device 20, when it is confirmed that the card has been inserted (step S1), the ID code and usage balance recorded on the card are used. Is read, and the data is sent to the recording unit 291 of the terminal device 20 and the recording unit 451 of the host device 40 (step S2). Then, the magnetic disk 42 is searched for, for example, a matching ID code corresponding to the ID code of the recording unit 451 (step S3). As a result, the data of the used balance corresponding to the same ID code is read from the magnetic disk 42. Is performed (step S4).

Next, the used balance in the recording unit 451 is compared with the used balance read from the magnetic disk (step S5). In the present invention, at least the usage balance recorded on the prepaid card PC and the usage balance recorded on the magnetic disk 42 need only be collated based on the ID code. And the prepaid card P
If it is determined that the usage balance recorded in C is equal to the usage balance recorded in the magnetic disk 42 (YES in step S5), the display unit 23 permits the transaction with the prepaid card PC. Is displayed (step S6). If it is determined that the usage balance recorded on the prepaid card PC does not match the usage balance recorded on the magnetic disk 42 (N in step S5)
O), the display unit 23 displays that the transaction using the card is not permitted (step S7), and the card is ejected to the outside.

When the transaction with the prepaid card PC is permitted, the card user inputs the transaction amount with the input keys 24, confirms the transaction amount displayed on the display section 23, and presses the confirmation key 25 to input the transaction amount. The transaction amount data is temporarily stored in the storage unit 291, and it is determined whether the transaction amount does not exceed the current usage balance (step S8), and if it is determined that the transaction amount does not exceed the current usage balance (step S8). The load unit R is driven in accordance with the transaction amount (YES in step S8) (step S9). That is, in the case of a pachinko ball lending machine, the ball discharging mechanism is activated to rent out a number of balls corresponding to the input amount data, and in the case of a ticket vending machine, the ticket issuing mechanism is activated. A ticket for the section corresponding to the input amount data is released. If it is determined that the input transaction amount exceeds the current usage balance (NO in step S8), an indication that the transaction amount is over is displayed on the display unit 23 (step S1).
0).

Next, it is determined whether or not the driving of the load unit R has been completed after a predetermined time (step S11). If it is determined that the driving has been completed (YES in step S11), the driving balance of the card read earlier is used. This transaction amount is deducted, a new balance is calculated, and the prepaid card PC
Is updated at the same time as the usage balance of the magnetic disk 42 is updated (step S12).

The transaction method using the card according to the present invention and the transaction apparatus 10 that implements the method include the information on the fluctuation of the used balance recorded on the prepaid card PC and the fluctuation of the used balance recorded on the magnetic disk 42. Information and ID
Since verification is performed based on unique information such as codes and transactions are permitted only when the two pieces of fluctuation information match, even if a large number of prepaid card PCs are duplicated, the card that can be used is genuine or fake. That is, only one copy can exist, and as a result, there is no point in duplicating, and unauthorized use is prevented.

The transaction apparatus for carrying out the transaction method using the card of the present invention is constructed and operates as described above, but the following various modifications are possible.

(1) In the above embodiment, the transaction device 10
Describes that the card user himself / herself operates the terminal device 20 such as a pachinko ball rental machine or a train ticket vending machine, but for example, such as purchasing a product at a supermarket or a department store. The case can also be applied. In this case, the cashier inserts the prepaid card PC into the card slot 22 of the terminal 20, displays the transaction permission on the display unit 23, and then inputs the transaction amount, which is the purchase price, into the input key 2
4 will be input. Then, when the payment is completed and the fluctuation information such as the used balance of the prepaid card PC and the magnetic disk 42 is updated, the card slot 2
The card discharged in 2 is returned from the cashier to the card user. In this case, a receipt issuing mechanism unit is connected to the control unit 29 as the load unit R.

(2) When the terminal device 20 is applied to a pachinko ball lending machine, a train ticket vending machine, or the like as in the above-described embodiment, the input keys 24 need not be constituted by numeric keys, but, for example, , 500 yen key, 1000 yen key, etc., a plurality of keys directly corresponding to the borrowed money amount may be provided, or a plurality of keys directly displaying the amount of money corresponding to the boarding section may be provided. Good. Further, instead of configuring the display unit 23 with a cathode ray tube or the like, it is also possible to display the transaction permission and the transaction non-permission by turning on a display light composed of a light emitting diode or the like. The display unit 23
Not necessarily essential.

(3) In the above embodiment, the transaction device 10
The control units 29 and 4 are provided to both the terminal device 20 and the host device 40.
5, the control unit may be provided only in the host device 40, and the control unit may control both the terminal device 20 and the host device 40. In addition, the above transaction apparatus 10 is used only in one store, or one host machine 40 is installed in a head office or the like, and the terminal device 20 is used in a plurality of chain stores. Or one host machine 40 is installed in the management headquarters of the same industry,
The terminal 20 may be installed in a member store of the industry and used jointly. Also, one host machine 40
Thus, it is also possible to manage a large number of terminals 20 installed both in Japan and overseas. Further, when the terminal device 20 is used only in one store, the components of the terminal device 20 and the components of the host device 40 may be housed in the same housing.

(4) As shown in FIG. 4, a host device 40 and a terminal device 20 connected to the host device 40 are installed in each store, and each store is located in a certain region. A medium-level host device 40 ′ that supervises the host device 40 is installed, and the above-mentioned medium-level host device 40 ′ is set up in the management headquarters.
By installing a higher-level host device 40 "that supervises the system and arranging the host devices in a hierarchy, it is possible to construct a system in which any store in any region can perform transactions with the same prepaid card. In this transaction system, For example, when a prepaid card is purchased at a certain store, the ID code, issuance amount, and other necessary card management information of the purchased prepaid card are registered in the host device 40 at the store. The information is also registered in the middle host device 40 'and the upper host device 40 "at the same time. However, the information is not registered in the host machine 40 of another store.

When the card user makes a transaction at the store where the prepaid card was purchased, the terminal 20 of the store
The processing is performed by the host device 40 and the fluctuation information such as the usage balance of the prepaid card and the fluctuation information such as the usage balance recorded in the host device 40 are updated. At this time, the fluctuation information such as the used balance recorded in the middle host device 40 'and the upper host device 40 "is also updated. In addition, the card user purchases the prepaid card. When conducting a transaction at another store other than the store, the prepaid card information is not registered in the host device 40 of the other store. The necessary data is read from the prepaid card, and the necessary data is read from the host device 40 "in another area to update the fluctuation information such as the balance of the prepaid card used. The host machine 40 of the store that purchased
To the middle host device 40 ′ and the upper host device 40 ″.
The data is updated at 0 ', 40 ". In this manner, the operation of the host machines is dispersed by employing a transaction system for hierarchically searching for information on prepaid cards, and the host machines 40, 40 are operated. ', 40 "can be operated efficiently.

(5) In the above embodiment, the transaction is managed by the unique information such as the ID code recorded on the prepaid card and the fluctuation information such as the used balance that fluctuates in relation to the transaction. Uses card identification information with a large number of bits generated randomly or with a certain regularity in secret as fluctuation information for verification,
If you update this information every time you make a transaction,
Since the probability that the same card identification information is assigned is extremely small, it is possible to manage the transaction using only the fluctuation information without using unique information such as an ID code. That is, the fluctuation information of the prepaid card is updated for each transaction, and the fluctuation information recorded on the magnetic disk 42 and corresponding to the prepaid card is updated. The change information of the card is compared with the change information recorded on the magnetic disk 42, and when both pieces of change information match (ie,
The transaction may be permitted only when the fluctuation information recorded on the magnetic disk 42 includes fluctuation information that matches the fluctuation information of the card. Of course, it is also possible to perform the management in a state where the data of the used balance is included in the fluctuation information. Further, when the card identification information as described above is used as the fluctuation information, if the used balance is recorded and updated at least on the magnetic disk 42 side, a predetermined transaction amount range can be obtained without recording it on the prepaid card. It is possible to manage transactions within the company.

(6) Card identification with a large number of bits generated randomly or with a certain regularity as described in (5) above as fluctuation information that fluctuates in connection with a transaction. In the case where information is used, an area for recording the card identification information so as to be readable by the read head 27 of the terminal 20 is provided in the magnetic recording unit MR of the prepaid card PC shown in FIG. However, it is possible to realize a prepaid card which has an almost similar form to the above prepaid card but is easy to collate.

(7) The present invention can also be applied to transactions other than prepaid cards, for example, credit card transactions. That is, in the case of a credit card, if the personal identification number is disclosed to another person, there is a possibility that the personal identification number is misused. In addition, there is a possibility that the information is copied and abused. However, while a credit card has a variable information recording area in the same manner as the above-mentioned prepaid card, card identification information having a large number of bits generated randomly or with a certain regularity in secret in this recording area. Is recorded as fluctuation information, and this fluctuation information is updated every time a transaction is made with a credit card, effectively preventing unauthorized use of a credit card as in the case of a prepaid card Can be. In the case of this credit card, as in the case of the prepaid card, the transaction may be managed by comparing the change information based on the unique information such as the ID code, or the transaction may be managed by comparing only the change information. May be managed.

(8) In the above embodiment, the recording area of the prepaid card, such as the unique information and the variation information, is constituted by magnetic means, but is constituted by other means such as a bar code or IC memory. Needless to say, it may be done. This is exactly the same for other cards other than the prepaid card.

[0046]

As described above, according to claims 1 to 3,
A transaction device using a card is used to record and record information on card fluctuations.
Is compared with the fluctuation information recorded in the
A trade permission signal is output only when the
When the transaction permission signal is output, the amount data is input.
The load is driven by the input of this amount data.
It is designed to be operated, so the card
Unauthorized use can be prevented.

According to a fourth aspect of the present invention, there is provided a transaction method using a card, wherein the transaction date and time recorded on the card correspond to the unique information.
Record the date and time of the card transaction.
Check the transaction date and time recorded in the recording means,
Allows trading only when the time matches
Therefore, it is possible to prevent unauthorized use of the card with a simple configuration
it can.

Further, the transaction by the card according to claim 5apparatus
IsCorresponds to the transaction date and time recorded on the card with unique information
Record the date and time of the card transaction.
Check the transaction date and time recorded in the recording means,
Allows trading only when the time matches
Therefore, it is possible to prevent unauthorized use of the card with a simple configuration
it can.

[Brief description of the drawings]

FIG. 1 is an overall perspective view of a transaction device that performs a transaction method using a prepaid card according to the present invention.

FIG. 2 is a block diagram showing a control configuration of the transaction apparatus shown in FIG.

FIG. 3 is a flowchart illustrating a processing operation of the transaction apparatus shown in FIG. 1;

FIG. 4 is a diagram for explaining a transaction system using the transaction device shown in FIG. 1;

[Description of Signs] 10 Transaction device 20 Terminal 23 Display unit (Display unit) 24 Input key 25 Confirmation key 26 Cancel key 27 Read head (Read unit) 28 Write head 29 Control unit 30 Cable 40 Host unit 42 Magnetic disk ( Recording means) 43 read head 44 write head 45 control unit 292b display control means 452a verification means

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) G07F 17/32 G07G 1/12 321P G07G 1/12 321 G07F 7/08 C (72) Inventor Junko Suginaka Port of Tokyo 3-10-4 Toranomon, Ward Toranomon Garden 408 (72) Inventor Nishi Katsura 1-16-23 Minamisenba, Chuo-ku, Osaka-shi

Claims (15)

[Claims] 1. A card transaction method in which fluctuation information that fluctuates in relation to a transaction is recorded, wherein the fluctuation information of the card is recorded in a recording means, and the fluctuation recorded on the card before the transaction is performed. The information is read by the reading means, and the read variation information is compared with the variation information recorded in the recording means by the matching means, and the transaction is permitted only when both pieces of variation information match. A transaction method using a card. 2. The transaction method according to claim 1, wherein the change information recorded on the card is updated, and the change information recorded on the recording means and corresponding to the card is updated. And a transaction method using a card, which is performed for each transaction. 3. A transaction method using a card that records unique information and fluctuation information that fluctuates in connection with a transaction, wherein the fluctuation information of the card is recorded in a recording unit in association with the unique information, and Before performing the reading, the reading unit reads the unique information and the variation information recorded on the card,
The read variation information is compared with the variation information of the unique information corresponding to the read unique information, which is the variation information recorded in the recording means, by the matching means, and only when both pieces of variation information match with each other. A transaction method using a card, wherein the transaction is permitted. 4. The card transaction method according to claim 3, wherein the change information recorded on the card is updated, and the change information recorded on the recording means, the unique information corresponding to the unique information of the card. A transaction method using a card, wherein the update information of the transaction is updated for each transaction. 5. The transaction method using a card according to claim 3, wherein the fluctuation information that fluctuates in relation to the transaction is a used balance. 6. The transaction method using a card according to claim 1, wherein the card is a prepaid card. 7. A transaction device using a card that records fluctuation information that fluctuates in connection with a transaction, a recording unit that records fluctuation information of a card, a reading unit that reads fluctuation information from the card, and the reading unit. Wherein the transaction information is compared with the variation information recorded in the recording means, and the transaction information is output only when the two pieces of variation information coincide with each other. apparatus. 8. A transaction apparatus according to claim 7, wherein said reading means is provided in a terminal, and said recording means and said collating means are capable of exchanging data with said terminal. A transaction device using a card, which is provided in the machine. 9. The transaction device using a card according to claim 8, wherein the terminal device includes a fluctuation information updating unit that updates fluctuation information recorded on the card, and the host device is configured to record the fluctuation information on the recording unit. A card transaction device comprising: record update means for updating the fluctuation information corresponding to the card and the fluctuation information corresponding to the card. 10. A transaction device using a card that records unique information and fluctuation information that fluctuates in connection with a transaction, wherein the recording means records the card's unique information and the fluctuation information in association with each other. Reading means for reading information and fluctuation information; and fluctuation information read by the reading means, and fluctuation of the unique information corresponding to the fluctuation information recorded on the recording means and the unique information read by the reading means. A transaction device using a card, comprising: verification means for verifying information and outputting a transaction permission signal only when both pieces of fluctuation information match. 11. A transaction device according to claim 10, wherein said reading means is provided in a terminal, and said recording means and said collating means are capable of exchanging data with said terminal. A transaction device using a card, which is provided in the machine. 12. The transaction device according to claim 11, wherein the terminal device includes a fluctuation information updating unit that updates fluctuation information recorded on the card, and the host device is configured to record the fluctuation information on the recording device. A transaction device using a card, comprising: record update means for updating the change information of the unique information corresponding to the unique information of the card. 13. A transaction device using a card according to claim 7, wherein the display means and a display identifiable by the display means in accordance with the presence or absence of the output of a transaction permission signal from the matching means. A transaction device using a card, comprising a display control means for performing the following. 14. The change information that fluctuates in relation to the transaction is a used balance.
A transaction device using the card according to any one of the above. 15. The card transaction device according to claim 7, wherein the card is a prepaid card.