JPS63184870A - Transaction processing device - Google Patents

Abstract

PURPOSE:To use data of the degree of reliance to perform the processing of less risk even at the time of online by recording data of the degree of reliance on a cash card and using this data to perform transaction. CONSTITUTION:When the card is inserted, the degree of reliance recorded on the card is read, and a maximum payable amount of money is calculated in accordance with the degree of reliance. In the offline processing, the lower limit of the degree of reliance is determined and the maximum payable amount of money is determined by this lower limit. If the amount of money is paid during the offline processing, the amount of money obtained by subtracting this amount of money from the maximum payable amount of money is the payable amount of money. A user pays money within this payable amount of money and the amount of paid money is written as transaction data in an FD.

Description

DETAILED DESCRIPTION OF THE INVENTION Transactions are performed using a card that has data in its card data representing a creditworthiness determined based on the cardholder's past transactions. When operating online, the credit rating data in the card data is updated by commands from the center, and when operating offline, the amount of money available for withdrawal is calculated based on that credit data, making offline transactions possible with less risk.

BACKGROUND OF THE INVENTION This invention relates to transaction processing devices, including automated teller machines (ATMs), automated teller machines (CDs), and the like, and more particularly to transaction processing devices capable of operating in an offline skewer mode.

Cash transaction processing devices that are currently in widespread use are of the type that are connected to a control center via a communication line or the like and operate in an online mode. The account data of the deposit balance of the customer's account is in the center's ledger file, and each transaction processing device executes withdrawal and deposit transactions while communicating with the center. Transaction processing devices that operate in such an online mode cannot make various inquiries to the center if the center goes down for some reason or the 9 lines are disconnected. , it has no choice but to stop operating. In particular, withdrawal transactions within the limit determined by the customer's deposit balance become completely impossible.

SUMMARY OF THE INVENTION An object of the present invention is to provide a transaction processing device that allows withdrawal transactions even in an offline state.

This invention is based on the premise of using a medium such as a card on which data regarding the creditworthiness of the medium holder is recorded. Media include cards, bankbooks, etc.

In addition to the most commonly used magnetic card, IC cards, optical cards, etc. can also be used as cards. In the following, the medium will be explained using a card as a representative medium.

The transaction processing device according to the present invention includes means for determining at least whether or not a withdrawal transaction is allowed and the limit amount based on data regarding creditworthiness in card data read from the card; The present invention is characterized by comprising a withdrawal transaction processing means for discharging cash under predetermined conditions within a determined allowable upper limit amount.

This invention connects the center with a communication line and provides online
The present invention is applicable not only to transaction processing devices that can operate in a mode, but also to transaction processing devices exclusively for offline use. Creditworthiness data is determined based on various factors regarding the customer, such as the length of the transaction, the amount of the transaction outstanding, and so on. Since these factors are not fixed but change depending on the customer's transaction history, etc., it is preferable that the creditworthiness data in the card data is also updated as necessary. For example, in a transaction processing device operating in online mode, when a transaction is made by a customer while operating in online mode, the credit score data of that customer is reviewed at the center as necessary, and new data is created. Creditworthiness data is transmitted from the center to the transaction processing device, where the creditworthiness data in the card data is updated. A device dedicated to updating creditworthiness data in card data may be provided, and the creditworthiness data may be updated periodically or irregularly by this device.

According to this invention, a transaction is performed using a card on which credit score data is recorded, and in offline operation, based on this credit score data, at least whether or not a withdrawal can be made and, if yes, the withdrawal limit amount, are calculated. Withdrawal transactions are also possible offline. Therefore, if the center goes down or the line is disconnected, the online
offline mode if operation becomes impossible.
mode and can continue trading. Further, since whether or not to withdraw money and the withdrawal limit amount are determined based on creditworthiness data, risks can be reduced. In the future, even if offline transactions become possible outside of bank business hours, this invention will have the effect of being able to deal with this situation.

A typical transaction that is determined based on credit score data is a withdrawal transaction as mentioned above, but the availability and amount of other types of transactions are similarly determined using credit score data. You can also do it like this.

DESCRIPTION OF THE EMBODIMENTS FIG. 1 shows the appearance of an automatic teller machine (ATM). On the nearly horizontal operation surface protruding from the front of the deposit dispensing machine IG, there is an electronic visual display device i! that displays and guides the customer's operating procedures and other matters and also serves as a keyboard. (hereinafter referred to as CRT) 1. 2. A banknote deposit and withdrawal port used as an input port and a return port for inserting banknotes in deposit and transfer transactions, and a discharge port for discharging withdrawn banknotes in withdrawal transactions. A coin ejection port 3 is also provided for ejecting coins during transactions such as withdrawals.

CRTl is also used as a so-called touch φ panel,
The keys to be touched and their functions are displayed on the CR7 screen. The almost vertical operation surface of the deposit dispensing machine IO has a passbook insertion and return slot4. Card insertion and return slot 5.
Indicator for handling transactions and transaction types 6. and an attendant call button 7 are provided respectively.

FIG. 2 shows an example of a magnetic card that guarantees that the user is an authorized user of the deposit dispensing machine IO. As is well known, a magnetic card 8 has a magnetic stripe 9.
A bank number, a branch number, a PIN number, a personal identification number, etc. are magnetically recorded on this magnetic stripe 9. Credit rating data is further magnetically recorded on the magnetic stripe 9.

FIG. 3 shows an overview of the overall electrical configuration of the transaction processing system. The deposit dispensing machine 1O is connected to the control center 30 by a communication line, a voice line or a dedicated line.

The deposit dispensing machine 10 has a central processing unit (hereinafter referred to as CPU).
, preferably controlled by a microprocessor it, the CPU II having a ROM 12. storing a program for executing transaction processing. and a RAM 13 for storing transaction amounts and other transaction data. The deposit dispensing machine 10 has a C which controls the display on the CRTI.
RT control device 15. C171 A card processing device i17 including a touch panel control device 16 that detects the touch position on the screen, and a card φ league that reads various data recorded on a magnetic card and writes it to the card if necessary. A passbook processing device that prints transaction data on the passbook and also reads or writes data such as the account number written on the magnetic stripe provided on the passbook.181 peopleFor deposits or transfers made to the withdrawal port 2 A bill processing device 19 that includes a bill checker that detects and counts counterfeit bills, and a bill dispensing machine that counts and discharges bills to be discharged in a withdrawal transaction and into the deposit/withdrawal port 2; a coin processing device 2 that counts coins to be ejected and ejects them into an ejection port 3;
0. Voucher processing device 21 that prints transaction data on receipts and journals. Floppy disk device 14 for storing transaction data, etc. of offline transactions. It also includes a communication processing device 22 for communicating with the center 30.

The control center 30 includes a host CPU 31, its memory, and necessary input/output modules Wi (paths shown).

Also provided is a communication processing device 32 that controls communication with the deposit dispensing machine IO. The memory of the center 30 stores the account number for each customer having one account.

There is a customer information file (hereinafter referred to as CIF) 33 that stores names, addresses, balances, and other items. As a result of communication between the center 80 and a terminal such as a deposit disbursing machine IO, for each transaction, the balance of the corresponding customer in the ClF 33 is updated according to the transaction type and transaction amount.

The deposit dispensing machine 10 described above communicates with the control center 30 and performs transactions desired by the customer, such as deposits, payments, transfers, balance verification, and bookkeeping. Since this online ψ mode trading operation is well known, a detailed explanation thereof will be omitted.

In this embodiment, in this online mode of transaction, when the deposit dispensing machine IO is communicating with the center 30,
If there is a change in the customer's creditworthiness data, the center 30 sends new creditworthiness data to the deposit disbursing machine IO to update (rewrite) the creditworthiness data in the card data.

Factors that determine creditworthiness include the customer's transaction period, cumulative transaction balance, current transaction balance, and social status such as dishonor. There is a calculation formula that uses these factors as variables, and the credibility is determined based on this calculation formula. In this embodiment, it is assumed that the trustworthiness is ranked in IO levels from 1 to IO. The trust level IO is the highest trust level. The factors for determining creditworthiness include those that change depending on the transaction history as described above and other social and personal factors, so the creditworthiness also changes accordingly.

FIG. 4 shows the procedure by which the creditworthiness data of the card is rewritten in a normal transaction in online mode.

When the first half of the operation and processing for the transaction selected by the customer is completed, the completed transaction data, such as transaction type, card data, transaction amount, etc., is sent from the deposit and disbursing machine 0 to the center 30 (step 41). .51
). Upon receiving this transaction data, the center 30 performs predetermined processing, such as determining whether the transaction is possible and, if the transaction is possible, updating the balance of the corresponding customer's account in the CIF 35 (step 52). Furthermore, if it is necessary to update the customer's credit score, the credit score is calculated according to the above-mentioned formula (step 53). Since the credit score changes when the deposit balance is updated, the credit score may be calculated for each transaction that updates the deposit balance, or it may be calculated periodically rather than for each transaction. The results of the transaction processing at the center 30 and the newly calculated credit score are sent to the corresponding deposit dispensing machine IO (step 54.4).
2).

In the deposit disbursing machine IO, the second half of the transaction is processed based on the result of the transaction processing transmitted from the center 30, and if there is a command from the center 30 that the credit rating data needs to be updated (step 43). ), the new credit rating data transmitted from the center 30 is sent to the card processing device 17.
The credit rating data in the card data is updated by writing to the card by the card reader in the card (step 44). This card is returned to the customer at the end of the transaction.

When the control center 30 goes down, one communication processing unit 22, 32 goes down, one line is disconnected, and communication with the center 30 becomes impossible, the deposit dispensing machine 10 goes into an offline mode. The processing procedure for payment transactions in this offline mode is shown in FIG.

When the customer inserts the card, the card data is read by the card league described above (step 81). Next, the customer enters a PIN using the touch panel on the CRTI, so it is checked whether the entered PIN corresponds to the PIN in the card data and the schedule, and the correspondence of the schedule is checked. If so, the customer can continue processing the transaction (step 62). If there is no scheduled correspondence, the customer cannot conduct the transaction.

Next, it is checked whether the value indicated by the credit data in the card data is equal to or higher than a predetermined lowest reference value (step 63). As mentioned above, the reliability takes a value from 1 to 10 in this embodiment. The lowest credit level that allows offline withdrawal transactions is predetermined as γ, for example, and is stored in the RAM 13. Therefore, if the credit rating in the card data indicates 7.8.9 and IO, the check in step B3 is passed.

The amount that can be withdrawn in offline withdrawal transactions is also determined in advance according to creditworthiness.

It is stored in RAM 13. This amount is determined in accordance with the credit rating, as shown in the table shown in FIG. 6, for example. The amount is determined by this table depending on the creditworthiness in the card data. This amount is set to 51 (step 64).

This amount S1 does not represent the maximum amount that can be withdrawn in a single transaction, but rather represents the total amount that can be withdrawn while operating in offline mode. All transaction data in offline mode is stored on the floppy Φ disk of floppy disk device 14. Therefore, it is checked whether there is past withdrawal transaction data for the same account of the same customer in this floppy disk (step 65), and if not, the previous transaction amount S2 is 0 yen, and if it is, all withdrawal transactions are The total amount is calculated as 82 (steps 66, 67). Then, the maximum amount that can be paid in this transaction is calculated as (Sl-82) (Step B8), and if this value (Sl-82) shows a positive value (Step B9), this value ( SL-82) is displayed on the CRTI as the payable amount (step 70).
).

The customer can pay the invoice amount within the displayed payable amount.
It can be input using the touch panel on the RTI (step 71). When the payment request amount is input, that amount of cash is counted by the banknote processing device 19 and, if necessary, the coin processing device 20, and is discharged to the single-person withdrawal port 2 or discharge port 3, as well as to the single-person bankbook processing bag*. Printing is performed on the bankbook inserted in step 18, and printing on a receipt or journal is performed by the slip processing device 21 (step 72).

The data of this withdrawal transaction, such as card data and transaction amount, is stored on the floppy ψ disk mentioned above (step 73).
), and finally the card and, if necessary, the passbook or receipt are released to complete the series of transaction processing (step 74).

In step B3, if the credit score in the card data is less than the lowest standard value, and the calculated payment possibility class (81-82
) is negative or zero in step 69, a message indicating that the payment transaction is not possible is displayed on the CRTI (step 75).

The card and, if necessary, the passbook are returned (step 7).
B).

The transaction data written to the above floppy disk is
transmitted to the center 30 during online mode operation, C
The corresponding account data in IF (a) is updated.

It goes without saying that deposit transactions and transfer transactions are also possible in the offline battle mode.

The lowest standard value for comparison with the credit score in the card data, the transaction amount according to the credit score as shown in FIG. 6, etc. will be determined depending on the type of transaction.

[Brief explanation of the drawing]

Figure 1 is a perspective view showing the external appearance of the deposit dispensing machine, Figure 2 is a diagram showing an example of a card and card data, Figure 3 is a block diagram showing the entire transaction processing system, and Figure 4 is a diagram showing an example of the card and card data. A flow ψ chart showing the process of rewriting credit rating data in card Φ data, and Fig. 5 a flow diagram showing the payment transaction processing procedure in offline mode.
The chart, FIG. 6, is a memory table showing withdrawal possibilities corresponding to creditworthiness. 8...Card, 9...Magnetic stripe. lO...Deposit payment machine, 11...CPU. 17...Card processing device. 19...Banknote processing device. 20... Coin processing device. that's all

Claims (2)

[Claims] (1) A means for determining at least whether or not a withdrawal transaction is possible and the permissible upper limit amount based on data regarding creditworthiness in the medium data read from the medium, and a means for determining at least the permissible upper limit amount when a withdrawal transaction is determined to be possible. A transaction processing device comprising: withdrawal transaction processing means for discharging cash under predetermined conditions within a permissible upper limit amount. (2) The transaction processing device according to claim 1, wherein in the online operation mode, the credit score data in the media data is updated using the credit score data determined at the center.