JP2008015859A - Account transaction stop system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system, capable of immediately stopping, in the event of loss of a card, an account transaction without restriction by time, place or the like, even if a specific number or code such as an account number is not known. <P>SOLUTION: A 24-hour operating information processing center connected with a financial institution-side computer through a network comprises an application receiving means which stores the card ID and user's mail address of an object card for which application of account stop service is received, and generates and transmits a URL for account stop instruction containing ID data specifying the object card to the mail address; and an account stop means which receives an account stop request based on URL from a user terminal, and repeats, to the financial institution-side computer in which an account corresponding to the card ID of the object card specified from the ID data in the URL is set, access request to the account with an illicit code number until an account stop report is received, thereby automatically stopping the account transaction by this card. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  TECHNICAL FIELD The present invention relates to a technique for promptly stopping an account transaction with a card contractor such as a cash card or a debit card, and in particular, a stop instruction from a user terminal such as a mobile phone. It is related with the account transaction stop system which made it possible to stop account transaction immediately.

  In the electronic payment system using a bank cash card, even if you want to stop the account settlement when the cash card is lost, it will stop immediately due to operational restrictions of the payment system provider (financial institution) It may not be possible. For example, because the account transaction suspension contact desk (so-called call center) is not available 24 hours a day, even if you notice a loss or theft (hereinafter referred to as “lost” including theft) at night, the reception will be open next business day It may be the morning of the day. Further, since the person himself / herself has lost the cash card, the customer cannot specify the account number or the like on the spot. For this reason, it may take time to check the account number from a passbook stored in a home or a safe deposit box and contact the contact reception desk.

  As for a problem related to a call center, there has been proposed a method in which a card loss notification is processed without going through an operator of a financial institution (see, for example, Patent Document 1). In Patent Document 1, when a customer loses a card (cash card or credit card), the customer inputs an account number or a password by operating an operation unit of an automatic transaction apparatus of a financial institution in which his / her account is provided. However, it is disclosed that when a card use stop confirmation operation is performed, the automatic transaction apparatus processes a card loss notification. Further, in Patent Document 1, in the case of a debit card, it is disclosed that a POS terminal at a store where the card can be used processes a card loss notification. Specifically, the clerk operates the POS terminal to input information (address, name, phone number, lost card financial institution name) given by the customer, and the customer operates the personal identification number input terminal to enter the personal identification number. It is disclosed that after the input, the account number, name, etc. are output to the personal identification number input terminal to obtain confirmation from the customer, and then the POS terminal issues a card loss notification (see Patent Document 1).

JP 2002-150192 A

  However, in the conventional card loss notification method using an automatic transaction apparatus or a POS terminal, the customer needs to input a specific number such as an account number or a personal identification number. As described above, since the person has lost the card, the customer cannot specify a number such as an account number on the spot, and it takes time to check the number. Moreover, since it is necessary to go to the place where the automatic transaction apparatus and the POS terminal are installed, there remains a problem that a loss report cannot be immediately issued. As described above, the conventional debit service and ATM 24-hour deposit withdrawal service have a problem that the account transaction cannot be stopped immediately under the intention of the card contractor. For this reason, after the card is lost, there is a risk that account settlement will be executed by a third party other than the person who obtained the card.

  The present invention has been made under the circumstances as described above, and the object of the present invention is that when a card is lost, a specific number or code such as an account number is not known, and time, place, etc. An object of the present invention is to provide an account transaction stop system capable of immediately stopping an account transaction without being restricted.

  The present invention relates to a computer system for stopping an account transaction with a card when the card is lost, and the object of the present invention is to connect a user terminal and a financial institution side computer via a network. Provided with a 24-hour information processing center that provides a service to stop account transactions via the information processing center in response to an account stop instruction from the user terminal when a card having a function of withdrawing from a financial institution account is lost The information processing center computer stores the data of the card ID of the target card and the user's e-mail address that accepted the application for the service in a storage means, and stores the target card. Generate a URL (Uniform Resource Locator) for instructing account suspension including ID data for identification An application accepting means for sending to an e-mail address, an account suspension request based on the URL from the user terminal, and specifying the card ID of the target card from the ID data included in the URL, and the card ID Account transactions with the card are automatically performed by repeating the process of sending an access request to the account with an invalid PIN to the financial institution computer where an account corresponding to This is achieved by having an account stopping means for stopping the account.

  Further, the object of the present invention is that the account stopping means displays an account suspension reception web page associated with the URL in response to a click operation of the URL by the user on the user terminal side. Transmitting to the terminal and receiving the account suspension request in response to a click operation of the account suspension instruction button on the display screen of the web page, the ID data is stored in the card ID or one or more of the card IDs The data indicating the system-specific ID assigned correspondingly, and when there are a plurality of target cards specified from the ID data, the account stop means continuously performs the account transaction stop processing for each card. The account stopping means sends a report mail indicating that the account transaction has been stopped when the account transaction is stopped to the e-mail address. By having an account stop notification function of transmitting, each of which is more effectively achieved.

  Furthermore, the object of the present invention is such that a transaction terminal capable of card payment is connected to the information processing center via a network, and a computer of the transaction terminal is connected to the transaction terminal. A service reception program for causing the service terminal to function, the service reception program displays the service reception screen on the display unit of the transaction terminal, and records it on a card set in a card reader of the transaction terminal For causing the computer to read out the card ID that has been read, and to generate application data including input information of the read card ID and the user's e-mail address and send it to the computer of the information processing center Including a processing routine, wherein the information processing center includes a card having the withdrawal function. An information processing center of a third party having a payment relay function for performing card payment processing by communicating with a financial institution side computer corresponding to the card when used in a credit terminal; Retrieving a customer database of the information processing center and recognizing an account corresponding to the card ID of the target card, the transaction terminal is an automatic transaction apparatus including a hospital medical fee payment machine and a prepaid card vending machine. In addition, each of the user terminals is more effectively achieved by including a mobile terminal such as a mobile phone.

  According to the present invention, when a card is lost, even if a specific code or number such as a card ID or an account number is not known, the account transaction is immediately stopped by an account stop instruction from the user terminal. Is possible. In addition, since it is possible to instruct account suspension from a portable terminal such as a cellular phone, it is possible to halt account transactions without being restricted by time or place. Further, since the user terminal and the financial institution side computer can use the existing one as it is without incorporating a specific application program, it is easy to construct a system and is excellent in operability and maintainability. In addition, when an information processing center of a third party having a card settlement relay function is used as the core information processing center of the system, software such as hardware resources and databases already owned by the information processing center Resources can be used effectively.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing an example of the overall configuration of an account transaction suspension system according to the present invention. First, the outline | summary of the account transaction stop system to which this invention is applied is demonstrated. In the account transaction stop system shown in FIG. 1, when a user (card contractor) loses a card, an instruction to stop account transactions from a communication terminal 2 such as a mobile phone (hereinafter referred to as “user terminal”). This is a system that provides a service (hereinafter referred to as “account stop service”) that immediately stops account transactions such as payment of money from various transaction terminals 3 and cash withdrawal by the card 1.

  In the present embodiment, the account transaction stop instruction from the user terminal 2 is performed by accessing a URL that is previously notified to the user as electronic data (in this example, the URL that is notified by e-mail). . At that time, the user does not need to input a specific number or code such as the card ID, account number, or membership number of the lost card, but clicks the URL notified in advance when applying for the service, for example, the user By simply instructing an account stop button displayed on the screen of the terminal 2, account stop processing is executed via the information processing center 10, and account transactions such as card settlement using the card are automatically stopped.

  The “card” in the present invention is an information recording medium having a function of withdrawing from a financial institution account, such as a cash card, a debit card, a credit card, an electronic money card, or a common card issued by a financial institution. In addition, the information processing apparatus is not limited to a card-like medium, and includes an information processing apparatus such as a portable terminal having a card function.

  Next, the system configuration of the account transaction stop system according to the present invention will be described.

  In FIG. 1, the account transaction suspension system provides a communication terminal 2 owned by the user (hereinafter referred to as “user terminal”), a transaction terminal 3 capable of card payment, and an account suspension service when the card is lost. A third-party information processing center 10 and a computer 20 (hereinafter referred to as a “financial institution computer”) possessed by a financial institution such as a bank or a credit card company. Transaction terminal 3 and financial institution side computer 20 are each connected to information processing center 10 via a predetermined communication network 4.

  The information processing center 10 has a payment relay function in which when the card is used at the transaction terminal 3, the card payment service processing unit 11 communicates with the financial institution side computer 20 corresponding to the card and performs card payment processing. It is a 24-hour computer center and normally operates as a settlement relay center. The information processing center 10 is composed of one or more computers and peripheral devices, and stores customer information (card ID, customer account number corresponding to the card ID, data such as a personal identification number) necessary for card payment. Has a database.

  In the present embodiment, the computer in the information processing center 10 is mounted with the account transaction stop service processing unit 12 having the account transaction stop function according to the present invention, and the information processing center 10 already owns it. Hardware resources and software resources such as customer databases and application programs are used. Note that the card settlement service processing unit 11 and the account transaction suspension service processing unit 12 in the information processing center 10 shown in FIG. 1 are information processing units that can operate independently, and each is installed in the same computer. May be installed in different computers.

  The transaction terminal 3 is an automatic transaction device such as a hospital medical fee payment machine installed in a facility of a medical institution, or a prepaid card vending machine installed in the market. In this embodiment, the transaction terminal 3 having a card reader is loaded with a service reception program (application program) described later so that the existing transaction terminal 3 functions as a reception terminal for the account suspension service. Yes. Note that an account suspension service may be received from the user terminal 2. In that case, for example, a reception web page for the account suspension service is transmitted to the user terminal 2 and application data including the card ID of the target card is received from the user terminal 2 via the reception web page. Thus, the user terminal 2 can also function as a reception terminal for the account suspension service. In that case, the transaction terminal 3 becomes an additional component.

  The user terminal 2 may be any mobile terminal 2a such as a mobile phone or PDA (Personal Digital Assistants) owned by the user, a PC (personal computer) 2b installed at home or work, and any other device having an Internet connection function. The communication terminal (information processing apparatus) is connected to the information processing center 10 via a predetermined communication network 4 such as a mobile communication network, the Internet, or a satellite communication network. In this embodiment, by instructing the information processing center 10 to stop the account transaction from such an arbitrary user terminal 2, the account transaction stop process is executed by the computer in the information processing center 10, and the card Account settlement at will be immediately stopped.

  Next, the configuration of the account transaction stop service processing unit 12 in the information processing center 10 which is the core of the present system will be described.

  FIG. 2 is a block diagram showing a functional configuration of the account transaction suspension service processing unit 12. The account transaction suspension service processing unit 12 in the information processing center 10 is roughly divided into operations when accepting an application for the account suspension service. Application accepting means 12a, and account stop means 12b that operates when an account stop request is received from the user terminal 2. The account transaction stop service processing unit 12 can refer to the customer database 13 of the information processing center 10.

  The application receiving means 12a is a function for registering and storing the data of the card ID of the target card and the user's e-mail address included in the application data of the account suspension service in the database in association with the account number of the financial institution (application data A registration function 12a1), a function for generating a URL including ID data for specifying a target card (URL generation function 12a2), and a function for transmitting the URL to the e-mail address (application confirmation mail transmission function 12a3). And.

  The account stop unit 12b receives an account stop request based on the URL from the user terminal 2, and specifies a card ID of the account stop target card from the ID data included in the URL (target card specifying function 12b1); , By repeating the process of transmitting an access request to the bank account with an incorrect password to the financial institution computer in which the bank account corresponding to the card ID is set until receiving an account suspension report, Function to automatically stop transactions (account stop processing function 12b2), and function to send a report email indicating that the transaction of the account has been stopped to the e-mail address upon completion of account stop (account stop notification function 12b3) And.

  The ID data in the URL generated by the application accepting means 12a is data (card identification information) indicating a card ID recorded on the card or a system-specific ID assigned corresponding to one or more of the card IDs. Yes, the target card at the time of the account stop request is specified by the ID data. For example, as shown in the schematic diagram of FIG. 3, the ID data in the URL is stored in a one-to-one correspondence with the card ID of the target card or the group ID corresponding to one or more card IDs. . The account stopping unit 12b specifies the card ID of the target card with reference to the link information from the ID data in the URL accessed from the user terminal 2, and searches the customer database 13 using the card ID as a key, The account number corresponding to the card ID is recognized. Then, a message (request message corresponding to the card type such as a debit payment request) for access to the account with an unauthorized password is generated and transmitted to the financial institution computer where the account is set.

  In this embodiment, the application receiving unit 12a and the account stopping unit 12b shown in FIG. 2 are realized by a computer program controlled by a control unit (CPU) and stored in a predetermined storage medium. Then, it operates as a memory resident program or an overlay program at the time of execution. Note that each means and function in FIG. 2 are classified with a means name and a function name for convenience of explanation, and does not limit the software configuration. A part of processing may be processed by hardware.

  Next, the configuration of the transaction terminal 3 will be described.

  FIG. 4 is a block diagram illustrating a configuration example of a transaction terminal applied as a reception terminal for the account suspension service. The transaction terminal 3 is a general transaction terminal having a card reader, and includes a control unit 3a, a card processing unit 3b, an operation unit 3c, a display unit 3d, a storage unit 3e, and a communication unit 3f. By installing the service reception program as the account suspension service acceptance means 3g for performing the acceptance processing of the application for the account suspension service in the transaction terminal 3 having such a configuration, the transaction terminal 3 functions as an acceptance terminal for the account suspension service. .

  The service reception program displays an account suspension service reception screen on the display means 3d of the transaction terminal 3, and reads the card ID of the target card by a card reader, which is the card processing means 3b, in response to a user application instruction; A processing routine for causing the computer to execute application data including the read card ID and the input information of the user's e-mail address and transmitting the application data to the computer of the information processing center 10 is provided. In addition, it is good also as a form which can provide the function which displays the input screen of card ID information in a service reception program, and a transaction terminal without a card reader can also be used as a reception terminal.

  In the system configuration as described above, an operation example of the account transaction suspension system according to the present invention will be described.

  First, an operation example at the time of accepting the account suspension service will be described with reference to the flowchart of FIG.

  In the transaction terminal 3 such as an automatic checkout machine, a menu screen including, for example, an account suspension service application item is displayed on the display means 3d as an initial screen. When an account stop service application item is selected by a user's operation of the operation means 3c and a service application instruction is given, the account stop service accepting means 3g of the transaction terminal 3 presents a service contract on the screen and a card contractor. Take the consent. Subsequently, information prompting for loading of a card for receiving the account suspension service and input of an e-mail address is displayed on the display means 3d. Here, the e-mail address input by the user through the operation of the operation means 3c is the e-mail address of the user terminal 2 that receives the application confirmation mail including the account suspension instruction URL and the account suspension report mail. Used as the destination address for e-mails to users.

  When the account stop service accepting means 3g of the transaction terminal 3 confirms that the user has loaded the card and entered the information of the e-mail address, the card processing means 3b reads the card ID of the card, and the read card ID and the user's Application data including input information of an e-mail address is generated and transmitted to the computer of the information processing center 10. At that time, when a plurality of cards are to be registered, the user loads the next card according to the guidance on the screen, and instructs registration when all the cards are read. In that case, the account suspension service accepting means 3g transmits application data including the card ID and e-mail address of each card to the computer of the information processing center 10 (step S1).

  The information processing center 10 that has received the application data from the transaction terminal 3 uses the application reception means 12a of the account transaction suspension service processing unit 12 to finance the data of the card ID of the target card and the user's email address included in the application data. In addition to registering and storing in the database in association with the institution's account number, etc. (step S2), a URL including ID data for identifying the target card is generated (step S3), and application confirmation of the e-mail including the URL is confirmed. By sending it as an e-mail address to the e-mail address, the URL for instructing account suspension is notified to the user (step S4).

  The mail data including the URL is stored in the storage means of the user terminal 2 that has received the e-mail (step S5). If the user loses the card, for example, the mail data is displayed. The account is instructed by clicking the URL.

  Next, an operation example during the account stop process will be described with reference to the flowchart of FIG.

  The user who notices the loss of the card displays the URL on the display unit of the user terminal 2 and clicks the URL to access the computer in the information processing center 10. The computer of the information processing center 10 that has received the access request from the user terminal 2 transmits, for example, the account suspension acceptance web page associated with the URL to the user terminal 2 and confirms whether or not the account suspension has been executed. To do. The user, for example, clicks on the account stop instruction button on the display screen of the web page to instruct the account transaction stop of the card (step S21).

  When receiving the account stop request by clicking the account stop instruction button on the user terminal 2 side, the account stop means 12b specifies the target card from the card ID corresponding to the ID data in the URL (step S22). Identify the card account. In the present embodiment, the account number of the card is recognized by searching the customer database 13 using the card ID as an inspection key and reading the account number corresponding to the card ID of the target card (step S23).

  In addition, when there are a plurality of cards subject to account transaction suspension, in step S21, the user can give an instruction to collectively terminate the account transaction suspension of all cards, and stop the account transaction. It is also possible to select target cards individually. In that case, the account suspension unit 12b of the account transaction suspension service processing unit 12 displays a list of card information such as the name of the financial institution of each card and the card type corresponding to the ID data (group ID) in the URL. You may make it display as a page and make it select the card | curd made into the stop object of account transaction.

  Upon recognizing the account of the target card in step S23, the account stopping unit 12b generates a message for requesting access to the account with an incorrect password, and the financial institution in which the account corresponding to the card ID of the target card is set The data is transmitted to the side computer (step S24). The message sent at that time is a message corresponding to the card type such as a debit payment request (a message for making a withdrawal request from an account). For example, the amount is set to “0”, and a predetermined number is set as a password. The

  The financial institution side computer 20 that has received the access request message from the computer of the information processing center 10 checks the personal identification number registered on the financial institution side, and if it does not match, returns a response message indicating the personal identification number error. (Step S25).

  The account suspension unit 12b repeats the process of transmitting an access request to the account with an incorrect password until an account suspension report is received from the financial institution computer. When the passwords match and a response message other than the password error is received, a message with a different password is transmitted again so that the passwords do not match.

  The financial institution side computer 20 sets the account transaction corresponding to the card ID to the prohibited state due to the mismatch of the PIN number of the specified number of times, stops the account transaction using the card, and sends a message of the account stop report to the computer of the information processing center 10. (Step S26).

  The computer (account stop means 12b) of the information processing center 10 that has received the account stop report telegram recognizes that the account stop has been completed based on the account stop report (step S27), and the e-mail address ( By sending to the user terminal 2 a report email indicating that the transaction of the account has been stopped with the e-mail address in the application data stored by the application receiving means 12a as the destination, the user (card contractor) ) Is notified of the completion of the account transaction suspension (step S28).

  In addition, when there are a plurality of target cards recognized in step S22, the account transaction stop process from steps S23 to S27 is continuously executed for each card. A report mail is transmitted to the user terminal 2, and the process for the account stop request from the user terminal 2 is terminated.

  As described above, according to the present invention, a user can use a mobile phone, for example, to click on a URL notified in advance by e-mail and instruct an account stop button to perform card settlement using a lost card. Account transactions can be automatically stopped. In addition, the account transaction stop process is configured to stop the account transaction using the account stop function (account stop function due to mismatch of the specified number of PINs) on the financial institution computer side. It is not necessary to change the connection specifications with the financial institution side computer 20 side, such as providing a dedicated interface for stopping the connection.

  In the above-described embodiment, the illegal password used at the time of account suspension processing has been described as an example in which a predetermined password is set. However, an incorrect password is selected by the user at the time of accepting a service application. It is good also as a form and form using the PIN code. In addition, the account stop request from the user terminal has been described as an example of the form of accepting the URL by previously accessing the user by e-mail. At that time, the personal identification number (for example, the incorrect personal identification number) is used. It is also possible to accept the account suspension request after collating the personal authentication information such as performing authentication.

It is a block diagram which shows an example of the whole structure of the account transaction stop system which concerns on this invention. It is a block diagram which shows the functional structure of the account transaction stop process part which concerns on this invention. It is a schematic diagram which shows an example of the correspondence of URL for account transaction stop, card ID, and an account number. It is a block diagram which shows the structural example of the transaction terminal applied as a reception terminal. It is a flowchart for demonstrating the operation example at the time of reception of the account stop service which concerns on this invention. It is a flowchart for demonstrating the operation example at the time of the account stop process which concerns on this invention.

Explanation of symbols

1 Card 2 Communication terminal (user terminal)
3 Transaction Terminal 3g Account Stop Service Accepting Unit 4 Communication Network 10 Information Processing Center 11 Card Payment Service Processing Unit 12 Account Transaction Stop Service Processing Unit 12a Application Accepting Unit 12b Account Stopping Unit 13 Customer Database 20 Financial Institution Computer

Claims (10)

An account from the user terminal when a card having a withdrawal function from a financial institution account is lost, having an information processing center for 24 hours connected via a network between the user terminal and the financial institution side computer An account transaction stop system that provides a service for stopping an account transaction via the information processing center according to a stop instruction,
The computer of the information processing center is
The card ID of the target card that has accepted the application for the service and the data of the user's e-mail address are stored in the storage means, and an account stop instruction URL including ID data for specifying the target card is generated. Application acceptance means for sending to the e-mail address;
A financial institution computer that receives an account suspension request based on the URL from the user terminal, specifies the card ID of the target card from the ID data included in the URL, and has an account corresponding to the card ID set On the other hand, an account suspension means for automatically stopping the account transaction by the card by repeating the process of transmitting an access request to the account with an unauthorized PIN number until receiving an account suspension report;
An account transaction stop system characterized by comprising:   The account suspension means transmits an account suspension acceptance web page associated with the URL to the user terminal in response to a click operation of the URL by the user on the user terminal side, The account transaction stop system according to claim 1, wherein the account stop request is received in response to a click operation of an account stop instruction button on a display screen.   The account transaction stop system according to claim 1, wherein the ID data is data indicating a system ID assigned to the card ID or the one or more card IDs.   The said account stop means performs the stop process of the said account transaction continuously for each card | curd, when there are multiple target cards specified from the said ID data, The claim 1 or 2 characterized by the above-mentioned. Account transaction suspension system.   5. The account suspension means has an account suspension notification function for transmitting a report mail indicating that the transaction of the account is suspended upon completion of suspension of the account transaction to the e-mail address. The account transaction suspension system described in any of the above.   A transaction terminal capable of card payment is connected to the information processing center via a network, and the transaction terminal has a service reception program for causing a computer of the transaction terminal to function as a reception terminal of the service. The account transaction stop system according to any one of claims 1 to 4, wherein the account transaction stop system is mounted.   The service reception program displays a reception screen of the service on a display unit of the transaction terminal, reads a card ID recorded in a card set in a card reader of the transaction terminal, and reads the card ID and the 7. The processing routine for causing the computer to execute means for generating application data including input information of a user's e-mail address and transmitting the application data to the computer of the information processing center. Account transaction suspension system.   The information processing center has a payment relay function for performing card payment processing by communicating with a financial institution computer corresponding to the card when the card having the payment function is used at the transaction terminal. 8. The information processing center of a personal institution, wherein the account stopping unit searches a customer database of the information processing center to recognize an account corresponding to the card ID of the target card. Account transaction suspension system described in.   The account transaction stop system according to any one of claims 6 to 8, wherein the transaction terminal is an automatic transaction apparatus including a hospital medical fee payment machine and a prepaid card vending machine.   The account transaction suspension system according to claim 1, wherein the user terminal includes a mobile terminal such as a mobile phone.

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