JPH0789390B2 - Transaction processor - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION Summary of the Invention An ID number is added to a prepaid card. pre-paid·
Rewriting of prepaid card data (value, ID number) is allowed only when the ID number read from the card and the input ID number are in a planned correspondence (ID check).
If both ID numbers do not correspond to each other as planned, it is regarded as improper rewriting, and the cash inserted for rewriting the value and the inserted prepaid card are collected.

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing device installed in a bank or other financial industry and used by its customers, and more particularly to a transaction processing device having a prepaid card issuing and rewriting function.

In the era of cashless, not only cards such as credit cards that secure credit, but also cards such as telephone cards with some added value (called prepaid cards) are widely distributed. Prepaid cards, like telephone cards, are a true replacement for money.

On the other hand, the conventional transaction processing device has only a transaction function directly related to money such as deposit, withdrawal, transfer, bookkeeping, and balance inquiry. In order to cope with the emergence of prepaid cards as described above, the transaction processing device is also in need of change.

Therefore, the applicant proposed a transaction processing device having a prepaid card issuing function (see Japanese Patent Application Laid-Open No. 62-15696). The transaction processing device allows the customer to receive a prepaid card in which the monetary value is recorded, instead of or in addition to withdrawing money from his or her savings account. The amount of value added to the prepaid card is deducted from the customer's account balance. Therefore, the customer withdraws money and then
It will save you the trouble of going to the card sales office and purchasing the desired prepaid card.

Since such a prepaid card has value, it is necessary to clarify the owner's name. Therefore, it is possible to set an ID number unique to the owner, record it on the prepaid card, and also register it in the file where the account is set up.

From this point of view, the applicant can identify the owner's name in patent application (1) (same agent) filed on the same date as the present application.
While proposing a prepaid card with a number,
We have disclosed a transaction processing device that allows rewriting of ID numbers and values of prepaid cards. Keyed in
The ID number and the value are rewritten only when the ID number and the ID number of the prepaid card data have a planned correspondence (for example, coincidence). If both ID numbers are not in the planned correspondence, the prepaid card will be collected.

When someone else's prepaid card is illegally obtained (picked up, stolen, etc.), the ID number of the prepaid card is not known, so both ID numbers do not generally meet the planned correspondence. However, this simply means that the ID number and value cannot be rewritten. At that time, the prepaid card will be collected to prevent further fraud, but if the person who illegally obtained it had used the prepaid card by that time, the value would be reduced accordingly. You are doing it. All you have to do is collect a prepaid card that has no or little value. This will only benefit those who have obtained it illegally. It is desirable to impose some kind of penalty on those who obtain it illegally.

[Object of the Invention] The object of the present invention is to prevent fraud from occurring when a person who illegally obtains a prepaid card tries to rewrite the value, and to prevent fraudulent persons from doing so. An object is to provide a transaction processing device that can impose a penalty.

[Structure and Effect of the Invention] The transaction processing device according to the present invention reads the data of the first input means and the inserted prepaid card for designating the transaction of the prepaid card rewriting, and writes the predetermined data. Read / write means, prepaid card ID
A second input means for inputting a number, a means for comparing the input prepaid card ID number with the ID number read from the prepaid card, and checking whether these have a planned correspondence relationship, Third input means for inputting data on new value, means for taking in the inserted cash, as well as a result of the inspection, both IDs
It is characterized by including means for controlling to take in the cash inserted in the slot and to collect the inserted prepaid card when the numbers are not in the planned correspondence relationship.

Preferably, as a result of the above inspection, when the ID numbers are not in the planned correspondence relationship, the display device is instructed to insert the amount of cash represented by the input new value data into the insertion slot. In response to this, after cash is inserted, the cash is taken in and the prepaid card / card is collected.

Prepaid cards are not only magnetic cards that magnetically record data such as value and ID number, but also IC cards or C
It is possible to use PU cards, cards that can be read or written optically or magneto-optically.

With the above configuration, if the ID number of the prepaid card and the input ID number are not in the planned correspondence relationship, in general, if the person who illegally obtained the prepaid card tries to rewrite the value The prepaid
As the card is collected and the inserted cash is also taken in, it is possible to give such a person a general penalty.

[Description of Embodiments] FIG. 1 shows an appearance of a transaction processing apparatus. In addition to the usual transaction processing functions such as deposit (payment), payment (withdrawal), transfer, and bookkeeping, this transaction processing device has a prepaid card issuing function and the value and ID of the prepaid card.
It has a function for rewriting numbers. A display (hereinafter referred to as CRT) 1, CRT that displays and guides the customer's operation procedure and other items on a substantially horizontal operation surface projecting forward of the transaction processing device 20.
A function key 2A and a numeric keypad 2B arranged on both sides of the screen of 1, and an insertion slot 3A and a return slot 3B for inserting banknotes in transactions such as deposit and transfer are provided. On a substantially vertical operation surface of the transaction processing device 20, a passbook insertion / return port 6, a bank card (transaction card) insertion / return port 4, an ejection port 7 for ejecting a withdrawal banknote in a withdrawal transaction, and Indicators 8 and 9 for handling and handling transaction types are provided respectively. Above the bank card insertion / return port 4, a prepaid card insertion / issue port 5 is provided. CRT as the display 1
Besides, for example, plasma display or the like can be used. Function key 2A
Depending on each stage of transaction processing, selection of transaction type, selection of prepaid card type, unit of amount of money (thousands), yen, etc.,
It is used for inputting confirmation and cancellation. The function of the function key 2A is displayed each time on the screen of the CRT 1 adjacent to the function key 2A. The withdrawal banknote outlet 7 is also used as a receipt issuing port for the customer in each transaction. Further, an attendant call button 10 and an attendant operation key 11 are provided on the vertical operation surface.

FIG. 2 schematically shows a mechanism provided inside the bank card insertion, return port 4 and prepaid card insertion and issue port 5. Insertion of bank card, return slot 4
A transport path 13 is provided on the inner side of the card, and a card reader 14 for reading the data recorded on the bank card and writing required data if necessary is arranged on the way of the transport path 13. As is well known, a bank card is a card possessed by a person who has a qualification for banking transactions to show the qualification, and a magnetic card is generally used. On the magnetic recording surface or recording location of this bank card, a code indicating that the card is a bank card, the name of the bank that issued the card, the name of the branch, the account number of the card holder's account, the personal identification number, etc. are magnetically recorded. ing.

A card transport path 15 is also provided inside the prepaid card insertion / issuing slot 5 for reading data from the prepaid card inserted along the way and recording required data on the issued prepaid card. A card reader / writer 16 is arranged. This transport path 15
A blank card storage area (eg storage box) 1
7,18 are provided. Furthermore, there is a prepaid card collection box 19 behind the transport path 15. For example, if two types of prepaid cards, a telephone card and an orange card, are issued, a blank telephone card and a blank orange card are stored in advance in storage area 17 and storage area 18, respectively. To be The number of storage places is determined according to the type of prepaid card issued. The blank cards in these storage locations 17 and 18 are driven by the feeding rollers 17A and 18A, respectively.
Each is independently fed to the transport path 15. These prepaid cards are also magnetic cards, and on the magnetic recording surface or recording location, the type of prepaid card, the name of the bank that issued the prepaid card, data indicating the keyed or rewritten value, the owner of the card The unique ID number and other data are magnetically recorded by the card reader / writer 16.

FIG. 3 shows the configuration of the electrical control circuit of the transaction processing device 20. The transaction processing device 20 is controlled by a central processing unit (hereinafter referred to as CPU), preferably a microprocessor 21, which is loaded from a floppy disk or the like and has a program memory storing a program for executing the transaction processing. ， Selected transaction ， Transaction amount ，
The type of prepaid card selected, the value of the prepaid card entered, the bank card data read, the prepaid card data, the entered ID number,
Volatile memory that temporarily stores other transaction data,
And a memory device 22 including a non-volatile memory for storing transaction total data and the like.

The transaction processing device 20 further includes a keyboard including the function keys 2A and ten keys 2B and its control circuit 26, C.
RT1, display device 8 and 9 and display device 27 including its control circuit, bill checker that performs authenticity determination and counting of deposits or banknotes for transfer into the slot 3A and release in transactions of withdrawal A banknote processing device including a banknote discharging machine that counts and discharges the correct banknotes, a slip issuing machine 29 that prints transaction data on receipts and journals, prints transaction data on a passbook, and writes it on a magnetic stripe provided on the passbook. A passbook processor 23 that reads or writes embedded data,
The above-mentioned card reader 14, the above-mentioned card reader / writer 16, the drive device for the feeding rollers 17A and 18A, and the conveyance path 15
A prepaid card issuing and rewriting issuing device 25 including a driving device of the above is provided and connected to the CPU 21 by a bus. The CPU 21 communicates with a control center (not shown) via the transmission control device 30 for the transaction processing.

The control center stores the account number, bank card PIN, prepaid card ID number, name, address, balance and other items for each customer who has an account (hereinafter referred to as CIF). There is. As a result of communication between the center and the transaction processing device, the balance of the corresponding customer's account is updated according to the transaction type and transaction amount for each transaction.

4a and 4b show the transaction processing procedure by the CPU 21.

First, the CRT1 indicates that the transaction type should be selected and the transaction types such as deposit, withdrawal, transfer, prepaid card issue, prepaid card reissue issue, balance inquiry, and bookkeeping are displayed adjacent to each function key 2A. Characters and are displayed (step 51). When the customer presses the function key 2A representing the desired transaction type (step 52), which function key is pressed, that is, the selected transaction type is determined (steps 53 to 56). In steps 53 to 56 of FIG. 4a, for convenience, only four types of transactions, namely, deposit, payment (withdrawal), prepaid card issue and prepaid card reissue issue, are judged. It goes without saying that the types of transactions can be accepted in the same way.

If a prepaid card issuance transaction is selected, C
A guide to select the type of value card to be issued is displayed on RT1.
The letters "phone card" and "orange card" are displayed corresponding to key 2A (step 57). Customers can choose the type of prepaid card they want to issue
Input using key 2A (step 58). For the sake of brevity, the type of prepaid card will not be mentioned below.

Furthermore, an instruction to enter the value of the prepaid card to be issued to CRT1 is displayed (step 59),
When the customer inputs a value using the ten keys 2B (step 60), the input value is stored in the memory device 22 (step 61). This value is generally expressed and entered in the corresponding monetary amount.

Then, an instruction to insert a bank card is displayed on the CRT 1 (step 62), and when the customer inserts the bank card into the card insertion slot 4, this is detected (step 63).
This bank card is transported along the transport path 13, and its card data is read by the card reader 14 and stored in the memory device 22 (step 64).

It is determined whether the bank card is an authorized card based on the card data (step 65). Further, the customer is requested to enter the personal identification number by key, and it is checked whether the personal identification number entered by the key and the personal identification number in the card data correspond. This PIN check is control
It may be performed at the center.

Select the type of prepaid card (steps 57, 58),
The order of inputting the value (steps 59 to 61) and inserting and reading the bank card (steps 62 to 64) may be reversed.

In any case, if the bank card is a legitimate card and passes the PIN check, the card data of the read bank card and transaction data such as the entered value are transmitted to the control center. (Step 66).

The control center searches the CIF to check whether an account with the corresponding account number exists, whether the entered value is less than or equal to the balance of the account, and so on. There is an account with the account number in the card data,
And if the balance of the account exceeds the value transmitted, the prepaid card can be issued. The value (amount) of the prepaid card to be issued is subtracted from the balance of the relevant account, and the balance is updated with the subtraction result as the new balance. Then, transaction data such as prepaid card issuance permission, card data, value, ID number, new balance, etc. is transmitted to the corresponding transaction processing device.

If the account number in the card data sent from the transaction processor does not exist in CIF, or if the value is larger than the balance, the transaction in which the prepaid card cannot be issued, the card data, the value, etc. are applicable It is transmitted to the processing device.

When the transaction processor receives the message from the sensor (step 67), it determines whether prepaid card issuance is authorized (step 68).

When the prepaid card issuance is permitted, a blank card is delivered to the carry-out path 15 from the storage location 17 or 18 depending on the type of the selected card. Then, the card, the reader / writer 16 writes the data such as the card type, the value, the ID number, etc. on the fed card.
In the case of telephone cards, the value data is recorded in the form of frequencies, for example. It is of course possible and more common to record in the form of monetary amounts. The prepaid card in which the value and the like are recorded is sent to the issuing port 5 (step 6).
9).

Thereafter, the bank card is returned to the return port 4, and a receipt on which necessary transaction data is printed is issued from the issuing port 7 (step 70). If the bank card is removed, this transaction processing ends (step 71).

If the issuance of the prepaid card is not permitted, the bank card is returned (step 72), and the fact that the card is not permitted is displayed on the CRT 1 (step 73). The transaction ends when the bank card is removed (step 74).

The passbook can also be used in transactions issued by prepaid cards. At this time, the transaction data issued by the prepaid card will be printed on the passbook, so it will not be necessary to issue a receipt.

When the prepaid card reissue is selected (step 56), the process of FIG. 4b is performed. The prepaid card can be rewritten by rewriting only the ID number in the card data, rewriting only the value, or rewriting both the ID number and the value.

First, the case where only the ID number is rewritten will be described.

The customer is prompted to insert a prepaid card to be rewritten in CRT 1 (step 81), and the customer inserts the prepaid card into the insertion slot 5. Then, the card data is read by the card reader / writer 16 and stored in the memory device 22 (step 82). The card data has the type, value, ID number, etc. as described above. This card will be carried to the front of the collection box 19 and held for a day.

An instruction to enter a new value to be added to CRT1 is displayed, so the customer inputs a value of 0 (steps 83, 8).
Four). The steps 83 and 84 may be skipped by using an appropriate push button switch or the function key 2A. 0 is stored as the value to be added (step 85).

Further, an instruction to input the ID number to the CRT 1 is given (step 86). This ID number is for the inserted prepaid card. When the ID number is input using the numeric keypad 2B, it is checked whether it matches the one read from the inserted prepaid card, and if they match, the process proceeds to the next step. If the IDs do not match, the ID number can be input again up to twice (step 88), but if the IDs still do not match, it is determined that the prepaid card has been illegally obtained. If only the ID number is rewritten, the prepaid card is returned to the slot 5 and the transaction ends (step 100). That is, when the value to be added is 0, steps 96 to 99 are skipped. However, the processes of steps 96 to 99 may be executed as described later.

Since an instruction to input a new ID number to be rewritten to CRT1 is given (step 90), when the customer inputs the ID number to be rewritten using ten-key 2B, this is stored in memory device 22. Further, since a guide for inputting the account number for the above new ID number is displayed on the CRT 1 (step 92), the customer inputs the account number and is stored in the memory device 22 in the same manner (step 93). The entered ID number and account number are displayed on the CRT1, so when the customer presses the confirmation key in the function key 2A (step 94), the card stored in the memory device 22 in step 82 is read. The ID number in the data is rewritten to the ID number keyed in the memory device 22 (step 95).

When it is necessary to rewrite the ID number, it is mainly when the prepaid card has been transferred or is about to be transferred.
When you receive the transfer, the ID number of your own account should be rewritten
It is entered as an ID number. At this time, the bank card for the user's own account is inserted later, and the data is read (steps 62 to 64). Since the account number is included in this card data, the account number is input in steps 92 and 93. No processing will be necessary. When transferring a prepaid card, the ID number of the transferee's account is input as the ID number to be rewritten, and the transferee's account number is also input.

After the above processing, the processing proceeds to the processing after step 62 in FIG. 4a. If the bank card check and PIN check pass (step 65), the bank card data, prepaid card data (including the entered ID number), and the entered account number are sent to the control center ( Step 66).

At the control center, it is checked that the account number in the bank card data or the entered account number exists and that the entered ID number matches the one registered corresponding to the above account number. It

If this check allows prepaid card rewriting (step 68), a prepaid blank card of the same type as the inserted prepaid card will be stored.
Card data (remaining original) containing the new ID number retrieved from 17 or 18 and modified in step 95 is written by the card reader / writer 16 to the blank card and A prepaid card collection box that has been sent to the insertion slot 5 and has already been inserted
Collected in 19 (step 69).

In the case of only rewriting the ID number, the processing of steps 62 to 68, 70, 71 may be omitted. That is, it is only necessary to write the card data changed in step 95 to a blank card and release it. At least ID number check (step
This is because high security can be maintained because (86, 87) is performed.

In the case of rewriting only the value, the value to be added is input using the ten keys 2B in steps 83 and 84. After the ID number check, the input process of the ID number to be rewritten and the input process of the account number (steps 90 to 94) will be skipped. You may confirm the input value. In step 95, the input value to be added is added to the value in the prepaid card data, and the addition result is stored in the memory device 22 as a new value. There is no change in the ID number.

As with the prepaid card issuance, the control center checks whether the account balance of the account number in the bank card data is more than the keyed value to be added, and adds from the balance. The balance is updated to subtract the power value.

If the prepaid card rewriting is permitted (step 68), the above addition result is recorded as a new value on the blank card. There is no change in the ID number and other card data. In steps 83 and 84, the value corresponding to the above addition result may be input. In this case, the result of subtracting the value recorded on the prepaid card from the input value is subtracted from the balance of the corresponding account. Also, the entered value will be written on the blank card and the card will be released.

If the ID number does not match the ID number of the prepaid card even if the ID number is input twice or more (step 88), it is determined that the prepaid card is illegally obtained.

In this case, an instruction to insert the amount of cash equivalent to the value input in step 84 to the CRT 1 is displayed (step 96). It is preferable to display this amount on CRT1. Further, it is preferable to open the shutter of the bill insertion slot 3A. When cash is thrown into the slot 3A, the bill processing device 28
Bill Chucka's billing and counting, the amount is displayed on CRT1 and 1 of the function keys 2A
One is given as a confirmation key and an instruction to press it is given (steps 97, 98). When the confirmation key is pressed (step 99), the inserted bills held in the temporary holding mechanism of the device 28 are collected in the collecting box, and the inserted prepaid card is collected in the collecting box 19 (step 10).
0). In this way, illegally acquired prepaid
The value of the card is prevented from being updated, and the person is penalized to collect cash to prevent fraud.

The rewriting process for both the ID number and the value is a combination of the above-described rewriting process for only the ID number and the rewriting process for only the value. In this case as well, if YES in step 88, the processes in steps 96 to 100 described above are performed.

In the above-mentioned embodiment, the prepaid card is rewritten by collecting the inserted prepaid card, recording and issuing new data on the blank card, but the data of the inserted prepaid card is Needless to say, it may be possible to directly rewrite.

In the above embodiment, in the prepaid card issuance or the value rewriting process, the control center immediately makes a settlement by subtracting an amount equivalent to the value from the customer's account, but this settlement is sent for a certain period of time. Good. In addition to the case of fraud, it is also possible to insert a banknote of a value equivalent to the banknote insertion slot 3A and use this banknote to pay for a prepaid card. If you have any change, you may deposit it into your customer's account. In the case of settlement from the customer's account, if the balance is insufficient, the shortfall can be paid in cash.

Although the transaction processing device is connected to the control center on-line in the above embodiment, it goes without saying that the present invention is also applied to an off-line transaction processing device.

[Brief description of drawings]

FIG. 1 is a perspective view showing the external appearance of the transaction processing apparatus, FIG. 2 is a block diagram showing a mechanism for card reading, card issuing, and rewriting issuance, and FIG. 3 is a block showing an electrical configuration of the transaction processing apparatus. Figures, 4a and 4b are flow charts showing the transaction processing procedure. 1 …… CRT, 2A …… Function key, 2B …… Numeric keypad, 3A …… Banknote slot, 4 …… Bank card insertion, return slot, 5 …… Prepaid card insertion, issue slot, 16 …… Card Reader / writer, 17,18 ... Blank card storage, 19 ... Prepaid card collection box, 20 ... Transaction processing device, 21 ... CPU, 25 ... Card issuing device, 28 ... Banknote processing device.

Claims (5)

[Claims] 1. A first input means for designating a prepaid card rewriting transaction, a read / write means for reading data of an inserted prepaid card and writing predetermined data, and a prepaid card A second input means for inputting an ID number, a means for checking whether or not the input prepaid card ID number and the ID number read from the prepaid card are collated with each other, and whether or not they have a planned correspondence relationship, A third input means for inputting new value data, a cash slot, a means for taking in the deposited cash, and the result of the inspection, when both ID numbers are not in the planned correspondence relationship,
A transaction processing device, comprising: means for controlling the collection of the prepaid card inserted while taking in the cash inserted into the insertion slot. 2. As a result of the inspection, if both ID numbers are not in a planned correspondence, an instruction means for instructing to insert the amount of cash represented by the input new value data into the slot, The transaction processing device according to claim (1), further comprising: 3. A method of reading transaction card data to determine whether or not a transaction is qualified, and when the determination means determines that the transaction is eligible, the input new value data is used as the value of the prepaid card. Represents the value to be added to the prepaid card from the balance of the account in the transaction card data when rewriting the value of the prepaid card The transaction processing device according to claim (1), further comprising a transfer means for deducting an amount of money. 4. The data relating to the new value is data representing the value to be added to the value held by the prepaid card, and the value to be added is calculated from the balance of the corresponding account by the transfer means. Is subtracted. The transaction processing device according to claim (3). 5. The data regarding the new value is data representing the value to be written on the prepaid card, and the result obtained by subtracting the value held by the prepaid card from the value to be written is the above. The transaction processing device according to claim (3), wherein the transfer means subtracts the amount representing the value to be added from the balance of the corresponding account.