JPH02224176A - Deposit payment controlling system - Google Patents
Deposit payment controlling systemInfo
- Publication number
- JPH02224176A JPH02224176A JP1045764A JP4576489A JPH02224176A JP H02224176 A JPH02224176 A JP H02224176A JP 1045764 A JP1045764 A JP 1045764A JP 4576489 A JP4576489 A JP 4576489A JP H02224176 A JPH02224176 A JP H02224176A
- Authority
- JP
- Japan
- Prior art keywords
- payment
- deposit
- magnetic
- information
- magnetic card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 claims description 12
- 239000002253 acid Substances 0.000 abstract 1
- 150000007513 acids Chemical class 0.000 abstract 1
- 230000001186 cumulative effect Effects 0.000 description 6
- 238000010586 diagram Methods 0.000 description 5
- 230000000694 effects Effects 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
【発明の詳細な説明】
（産業上の利用分野）
本発明は、磁気カードを使用し預金口座からの預金支払
い制御方式に関し、特に一つの預金口座に対して一つの
磁気カードまたは二つ以上の磁気カードを使用して預金
の支払いを行う預金支払制御方式に関する。DETAILED DESCRIPTION OF THE INVENTION (Industrial Application Field) The present invention relates to a method for controlling deposit payments from a deposit account using a magnetic card. This invention relates to a deposit payment control method for making deposit payments using a magnetic card.
（従来の技術）
従来、この種の預金支払制御方式は一つの預金口座に対
して通常−つの磁気カードのみの使用が可能であり、−
度に支払いを受ける金額に対しては一定額の限度がある
が、一定期間内に支払いを受ける金額に対しては何の制
限もなかった。(Prior Art) Conventionally, this type of deposit payment control system usually allows only one magnetic card to be used for one deposit account;
There was a certain limit on the amount that could be paid at a time, but there was no limit on the amount that could be paid within a certain period.
（発明が解決しようとする課題）
上述した従来の預金支払制御方式は下記のような欠点が
ある。(Problems to be Solved by the Invention) The conventional deposit payment control method described above has the following drawbacks.
（１）一つの預金口座に対して一つの磁気カードだけの
みしか使用できない、即ち複数の磁気カードの使用が不
可能である。(1) Only one magnetic card can be used for one deposit account, that is, it is impossible to use multiple magnetic cards.
（２）任意に支払限度額の設定ができないため、磁気カ
ード紛失時の被害が大きくなる。(2) Since it is not possible to arbitrarily set a payment limit, the damage caused when a magnetic card is lost increases.
（課題を解決するための手段）
本発明の預金支払制御方式は、金融機関における窓口業
務に使用される自動現金取引機、自動現金支払機等で磁
気カードにより預金口座からの預金支払いの預金支払制
御方式において、一つの預金口座に対して複数の磁気カ
ードの使用を可能にし、かつ個々の磁気カード毎にかつ
一定期間内に支払われる支払金額に支払限度額を設定す
る。(Means for Solving the Problems) The deposit payment control method of the present invention is a method for controlling deposit payments from a deposit account using a magnetic card in an automatic teller machine, an automatic cash dispenser, etc. used for counter operations in financial institutions. In the control method, a plurality of magnetic cards can be used for one deposit account, and a payment limit is set for each magnetic card for the amount to be paid within a certain period of time.
（実施例）
第１図は本発明による頭金支払制御方式の一実施例を示
し、預金口座ファイルのレイアウト図で、預金口座を新
規に開設し、２枚の磁気カードを使用した場合の実施例
である。以下、本実施例の動作、処理を処理概略図を示
す第２図と第３図をも参照して説明する。(Embodiment) Figure 1 shows an embodiment of the down payment control method according to the present invention, and is a layout diagram of a deposit account file, which is an example in which a deposit account is newly opened and two magnetic cards are used. It is. The operation and processing of this embodiment will be described below with reference to FIGS. 2 and 3, which are schematic diagrams of the processing.
磁気カードの作成時、１枚目、２枚目の磁気カードを識
別するためのカード識別番号を任意に決めカード識別情
報１０２，１０６として登録する。When creating magnetic cards, card identification numbers for identifying the first and second magnetic cards are arbitrarily determined and registered as card identification information 102, 106.
同時に支払限度額を設定することができる磁気カードで
あるかどうかを識別するためのマスター識別情報１０３
，１０７を登録する。この実施例では“１″がマスター
の磁気カードであることを示す。２枚の磁気カードに対
する支払い限度額の設定は自動現金取引機または自動現
金支払機を利用し行う。Master identification information 103 for identifying whether the card is a magnetic card for which a payment limit can be set at the same time.
, 107 are registered. In this embodiment, "1" indicates a master magnetic card. The payment limit for the two magnetic cards is set using an automated teller machine or an automated cash dispensing machine.
磁気カードより各種業務メニューから支払限度額設定業
務を選択されると、使用された磁気カードがマスター磁
気カードであるかどうかをカード識別情報、マスター識
別情報により判定し、マスター磁気カードであれば以下
の処理を行う。When a payment limit setting service is selected from the various service menus for magnetic cards, whether or not the used magnetic card is a master magnetic card is determined based on the card identification information and master identification information, and if it is a master magnetic card, the following Process.
支払限度額を設定しようとする磁気カードのカード識別
番号“９８７６”および支払限度額”’３００００”が
入力されると、カード識別情報、支払限度額の妥当性を
判定し妥当であれば支払限度額情報１０８に登録すると
ともに支払累積情報１０９を“０”に初期化する。When the card identification number "9876" and payment limit "30000" of the magnetic card for which the payment limit is to be set are entered, the validity of the card identification information and payment limit is determined, and if it is valid, the payment limit is set. It is registered in the amount information 108 and the payment cumulative information 109 is initialized to "0".
カード識別番号“９８７６”の磁気カードにて“１５，
０００円”の支払いを指示された場合、カード識別番号
“９８７６”、支払額
“１５０００”に対しカード識別情報およびカード識別
情報に対応する支払限度額、支払累積額・ｔ′？１報に
より妥当性の判定を行い妥当であれば支払累積額情報１
０９を更新し支払いを行う、もし支払累積額情報１０９
が支払限度額情報１０８を越える場合は支払いを行わな
い。“15,” with a magnetic card with card identification number “9876,”
000 yen", the card identification number is "9876", the payment amount is "15000", and the card identification information, the payment limit corresponding to the card identification information, the cumulative payment amount, and the t'?1 report are valid. Determine gender and if appropriate, cumulative payment amount information 1
Update 09 and make payment, if payment cumulative amount information 109
If the amount exceeds the payment limit information 108, no payment will be made.
（発明の効果）
以上説明したように本発明は、預金口座ファイルにカー
ド識別情報、支払限度額情報、支払累積額情報、マスタ
ー識別情報を付加することにより、一つの預金口座に対
し複数の磁気カードの使用を可能にし、かつ各磁気カー
ド毎に使用可能な支払限度額の設定を利用者が任意に行
えることにより一定期間毎の預金の管理を可能にし、盗
難時の被害を最小限にすることができ°る°効果がある
。(Effects of the Invention) As explained above, the present invention adds card identification information, payment limit information, cumulative payment amount information, and master identification information to a deposit account file, thereby providing multiple magnetic fields for one deposit account. By enabling the use of cards and allowing users to arbitrarily set the payment limit that can be used for each magnetic card, it is possible to manage deposits for a certain period of time, minimizing damage in the event of theft. It can be effective.
第１図は本発明の一実施例の預金口座ファイルのレイア
ウト図、第２図は支払限度額設定業務処理の概略図、第
３図は支払業務処理の概略図である。
１０１・・・預金口座番号、氏名等の従来の預金口座フ
ァイル情報、１０２．１０６・・・カード識別情報、１
０３，１０７・・・マスター識別情報、１０４．１０８
・・・支払限度額情報、１０５．１０８・・・支払累積
額情報。
第１図
第
図
第
図FIG. 1 is a layout diagram of a deposit account file according to an embodiment of the present invention, FIG. 2 is a schematic diagram of a payment limit setting business process, and FIG. 3 is a schematic diagram of a payment business process. 101... Conventional deposit account file information such as deposit account number and name, 102.106... Card identification information, 1
03,107...Master identification information, 104.108
...Payment limit information, 105.108...Payment cumulative amount information. Figure 1 Figure 1
Claims (1)
、自動現金支払機等で磁気カードにより預金口座からの
預金支払いの預金支払制御方式において、一つの預金口
座に対して複数の磁気カードの使用を可能にし、かつ個
々の磁気カード毎にかつ一定期間内に支払われる支払金
額に支払限度額を設定することを特徴とする預金支払制
御方式。In the deposit payment control method of deposit payments from deposit accounts using magnetic cards in automatic teller machines, automatic cash dispensing machines, etc. used for counter operations at financial institutions, it is possible to use multiple magnetic cards for one deposit account. 1. A deposit payment control method, which is characterized by setting a payment limit on the payment amount to be paid within a certain period of time for each magnetic card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP1045764A JPH02224176A (en) | 1989-02-27 | 1989-02-27 | Deposit payment controlling system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP1045764A JPH02224176A (en) | 1989-02-27 | 1989-02-27 | Deposit payment controlling system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JPH02224176A true JPH02224176A (en) | 1990-09-06 |
Family
ID=12728358
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP1045764A Pending JPH02224176A (en) | 1989-02-27 | 1989-02-27 | Deposit payment controlling system |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPH02224176A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO1999046717A1 (en) * | 1998-03-13 | 1999-09-16 | Fujitsu Limited | Electronic purse system and electronic purse unit |
| JP2009285488A (en) * | 2009-09-08 | 2009-12-10 | Glory Ltd | Game medium-dispensing system using debit settlement |
-
1989
- 1989-02-27 JP JP1045764A patent/JPH02224176A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO1999046717A1 (en) * | 1998-03-13 | 1999-09-16 | Fujitsu Limited | Electronic purse system and electronic purse unit |
| JPH11259585A (en) * | 1998-03-13 | 1999-09-24 | Fujitsu Ltd | Electronic wallet system, electronic wallet device and computer readable recording medium recording money information transfer program |
| JP2009285488A (en) * | 2009-09-08 | 2009-12-10 | Glory Ltd | Game medium-dispensing system using debit settlement |
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