CN1725253A - Transation system and device and settlement system - Google Patents
Transation system and device and settlement system Download PDFInfo
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- CN1725253A CN1725253A CN 200510087539 CN200510087539A CN1725253A CN 1725253 A CN1725253 A CN 1725253A CN 200510087539 CN200510087539 CN 200510087539 CN 200510087539 A CN200510087539 A CN 200510087539A CN 1725253 A CN1725253 A CN 1725253A
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Abstract
The present invention prevents a wrongful use of a cash card and a credit card by counterfeiting them. A means to store an area where a user's card can be used is disposed in a customer information storage part of a host computer, and the user is made to register his or her data. When the user uses his or her card, the system checks if the place where the user is to use his or her card is the area where the card can be used, and if the place proves to be the place where the user can use the card, gives him or her permission to use it.
Description
Technical field
The present invention relates to use the transaction system of cards such as cash card and credit card.
Background technology
As this system, the past has following type.
Figure 30 illustrates the type of attachment of existing system.Principal computer 301 stores user's information, along with concluding the business remaining sum is upgraded and is increased service recorder.End device 302,303 is connected with principal computer 301 by circuit 304, the information of user's input can be sent to principal computer 301, also the data that are received from principal computer 301 can be exported to the user.
At first, enumerate the example of the system in the financial institution.Principal computer 301 is arranged on the office center of financial institution, stores account number, password, remaining sum, transaction resume of user etc.The user once concludes the business, and just remaining sum is upgraded and transaction record of increase in the transaction resume.End device 302,303 is arranged on the ATM (Automatic Teller Machine) (ATM) that the savings bank of financial institution or market etc. are located.
When the user withdraws the money, cash card be inserted in the end device 302,303 the input password and the amount of money of withdrawing the money from the account of oneself.End device sends to principal computer 301 with Transaction Information.Principal computer 301 carries out the comparison of checking of password and the remaining sum and the amount of money of withdrawing the money, if can withdraw the money, will represent that then the information that can withdraw the money sends to end device.End device is paid the specified amount of money of user when cash card is returned the user.
Secondly, enumerate the example of access.Principal computer 301 is arranged in the credit card company, store the user card number, use day, use the amount of money, market name, method of payment, can use remaining sum etc.The credit card inquiry that is arranged in the market then is equivalent to end device 302,303 with terminal (CAT) etc.
When the user buys commodity in the market with credit card, credit card be given the salesman and be informed method of payment (once payment, all rotatable payments etc.).The salesman operates the credit card inquiry to be scanned the credit card that the user gives with terminal, and the amount of money and method of payment etc. are used in input.Credit card inquiry links to each other with the Help Center by telephone wire etc. with terminal 302,303, sends user's credit card number, the use amount of money, method of payment etc.The Help Center is to the principal computer 301 transmission information of credit card company.Principal computer 301 is checked the spendable remaining sum of user, if be judged as and can do shopping, will represent that then the information that can do shopping sends to credit card inquiry terminal 302,303 by the Help Center.After receiving the information that can do shopping, the export credit card uses detail form with terminal in the credit card inquiry.The salesman uses detail form and commodity to give the user credit card, credit card after using detail form to confirm to credit card.
Recently, some cash card and credit card can be used for a cartoon both at home and abroad.For example, when the cash card that has takes out 100 dollars in the ATM (Automatic Teller Machine) of the U.S., can from the account, deduct the yen amount of money that is equivalent to 100 dollars.In this system, from being installed in external ATM (Automatic Teller Machine), the principal computer of the financial institution by managing this ATM (Automatic Teller Machine), the principal computer of the financial institution that opens an account with the user links to each other.
Said system took place repeatedly once that cash card and credit card are forged and by the infringement incident of improper use.For this reason, someone proposes to set withdrawal limit in 1 day to prevent from the short time to extract measure such as substantial contribution, and, opening the 2002-13332 communique as the spy puts down in writing, the user can be set add up withdrawal limit and add up to withdraw the money number of times, to prevent to be undertaken the technology of improper use by consumption pattern.
[patent documentation 1] spy opens the 2002-13332 communique
[patent documentation 2] special table 2002-537619 communique
But, in above-mentioned prior art,,, then can use anywhere so long as can use the zone as cash card and credit card, therefore, exist the problem that also can use in the common obsolete zone of user.For example, even the cash card that can use both at home and abroad, the user who often goes abroad also seldom, for most of users, as long as can use when going abroad.Therefore, exist the cash card that can use both at home and abroad and compare, be forged and wanted high problem by the possibility of improper use with domestic restricted cash card.
Summary of the invention
Task of the present invention is to address the above problem.
For this reason, the present invention holds the authentication medium as a kind of operator, transaction system reads the transaction system that described authentication is concluded the business with medium during transaction, it is characterized in that, at least have in the described transaction system: store the identifying information that described authentication is assert with medium and use the operator message reservoir of the area limiting information that described authentication limits the zone that can conclude the business with medium, and judge the detection unit of could concluding the business that to conclude the business from the installation site of described identifying information, described area limiting information and transaction system; When described transaction system is concluded the business, read identifying information from described authentication with medium and send to the described detection unit of could concluding the business, the described detection unit of could concluding the business retrieves from described operator message reservoir with the corresponding area limiting information of described identifying information and carries out the judgement that could conclude the business, and described transaction system is implemented transaction for can conclude the business the time in the result of determination of the described detection unit of could concluding the business.
Aforesaid the present invention has and can prevent that other people from improper use forging card, guarantees the effect of higher security.In addition, can use the zone, just in case also loss can be reduced to minimum during by improper use by setting.
Description of drawings
Fig. 1 is the accompanying drawing that the formation to native system describes.
Fig. 2 is the accompanying drawing that the function to principal computer describes.
Fig. 3 is the accompanying drawing that the memory contents to computing machine describes.
Fig. 4 is the accompanying drawing that login screen is described.
Fig. 5 is the accompanying drawing that menu screen is described.
Fig. 6 confirms the accompanying drawing that picture describes to the change of card function.
Fig. 7 is the accompanying drawing that the change picture to the card function describes.
Fig. 8 is the accompanying drawing that the affirmation picture that the card function changes is described.
Fig. 9 is the accompanying drawing that the flow process to payment transaction in the ATM (Automatic Teller Machine) describes.
Figure 10 is the accompanying drawing that the flow process to payment transaction in the principal computer describes.
Figure 11 is an accompanying drawing of selecting picture to describe to the transaction of ATM (Automatic Teller Machine).
Figure 12 imports the accompanying drawing that picture describes to the code number of ATM (Automatic Teller Machine).
Figure 13 imports the accompanying drawing that picture describes to the amount of money of ATM (Automatic Teller Machine).
Figure 14 handles the accompanying drawing that picture describes to the refusal of ATM (Automatic Teller Machine).
Figure 15 is the accompanying drawing that the memory contents to the area information storage part describes.
Figure 16 is the accompanying drawing that the formation to the system of embodiment 2 describes.
Figure 17 is the accompanying drawing that the function to principal computer describes.
Figure 18 is the accompanying drawing that the memory contents to cooperative venture's storage part describes.
Figure 19 is the accompanying drawing that the memory contents to the merchandise news storage part describes.
Figure 20 is the accompanying drawing that the memory contents to the Customer Information storage part describes.
Figure 21 is the accompanying drawing that login screen is described.
Figure 22 is the accompanying drawing that menu screen is described.
Figure 23 confirms the accompanying drawing that picture describes to the change of card function.
Figure 24 is the accompanying drawing that the change picture to the card function describes.
Figure 25 is the accompanying drawing that change picture that can not commodity in use is described.
Figure 26 is the accompanying drawing that the affirmation picture that the card function changes is described.
Figure 27 is the accompanying drawing that the flow process to payment processes in the end device describes.
Figure 28 is the accompanying drawing that the flow process to payment transaction in the principal computer describes.
Figure 29 is the accompanying drawing that another example to the memory contents of merchandise news storage part describes.
Figure 30 is the accompanying drawing that the example to existing system describes.
Embodiment
Below, the embodiment to the transaction system of use card according to the present invention describes in conjunction with the accompanying drawings.
[embodiment 1]
Fig. 1 is system's pie graph of embodiment.
Native system is as shown in the drawing, and ATM (Automatic Teller Machine) (ATM) that its principal computer 1 and the office center that is arranged on financial institution or markets etc. that are arranged on the office center of financial institution's (one's own profession) are located 2,3 links to each other by industrial siding 4.In addition, being arranged on the mobile phone 7 that PC6 in the user family or user hold links to each other with principal computer 1 by internet 5.Financial institution described in the present embodiment (one's own profession) is the financial institution that can carry out international business, and its principal computer 1 links to each other with the ATM (Automatic Teller Machine) that is arranged on various countries.
Fig. 2 is the internal frame diagram of principal computer 1.The 21st, accounting is storage part, stores account holder's savings bank numbering, the subject of opening an account, account number, account holder's name, code number, remaining sum, transaction resume, CIF number etc.The 22nd, the online service information storage part stores the user's who carries out the Internet-based banking services contract ID, login password, addresses of items of mail, visit at last day, open an account savings bank numbering, the subject of opening an account, account number etc. and access log.The 23rd, accounting is handling part, accept by being arranged on the transaction request that the business office's terminal savings bank etc. located and ATM (Automatic Teller Machine) (ATM) are sent by industrial siding connecting portion 25, the information that with reference to accounting is storage part 21 is judged and could be concluded the business, in the time of can concluding the business, the information that to accounting is storage part 21 is upgraded, and will represent that the information that can conclude the business sends to business office's terminal and ATM (Automatic Teller Machine) by industrial siding connecting portion 25.The 24th, the online service handling part, bank-user conducts interviews through internet connecting portion 26 on the net, after authenticating by ID and login password, is that the information of storage part 21 and online service information storage part 22 is carried out transaction processing with reference to accounting.The 26th, the internet connecting portion links to each other with the ISP (internet service provider) of outside, has to be used for fire wall of taking precautions against improper visit etc.The 27th, the cooperative bank's interface portion that is connected with other financial institution, the user of one's own profession to other financial institution transfer and, the user of other financial institution carries out the transmission and the reception of data to the user of one's own profession occasion such as transfer, perhaps, the user in other financial institution uses the ATM (Automatic Teller Machine) of one's own profession and the user of one's own profession to use the occasions such as ATM (Automatic Teller Machine) of other financial institution to carry out the transmission and the reception of data.The 28th, cooperative bank's storage part, be store the one's own profession user the form of his information of manageing it that can utilize.Specifically, storing bank's name, Routing Number, the country one belongs to of head office name of the country, area code, the currency (Figure 15) of cooperative bank.
Fig. 3 is to be the accompanying drawing that content stored in the storage part 21 describes to accounting of principal computer 1.The contents such as the account number that stored by each account of user except the past, name, account balance, but but also store specify card use effectively/data of invalid, operating period of card, the access times of card, the use limit of card, the used zone of card etc.About the used zone of card, carry out record with the code that can use the zone.For these data, the user can also rewrite when utilizing Web bank's service except carrying out the reference when using ATM (Automatic Teller Machine) to conclude the business.
Below, in conjunction with Fig. 4～Fig. 6 with regard to the user on the net in the bank service operation the during function of change card describe.
The user selects Web bank's service by the site of PC6 through internet visit financial institution.Online service handling part 24 sends login screen shown in Figure 4 to PC6, shows login screen on PC6.ID and login password that user's input obtains from financial institution are in advance pressed ACK button.Online service handling part 24 sends transaction picture shown in Figure 5 to PC6 after the legitimacy of ID and login password is confirmed.
51 what show is user's reception savings bank name, account number, name.The 52nd, link has underscore.User by selecting link (using click) can enter the picture that carries out desired transaction of carrying out or formality.Item as showing can also show last log date and login times etc.In addition, also can substitute the link that has underscore shown in 52 and with button or icon channeling conduct.
Select " inquiry into balance ", the then account balance of explicit user.If offer the foreign currency savings account, then show the remaining sum of each foreign currency savings account.Select " Reference Transactions resume ", then the transaction resume in the past of explicit user.Select " account transfer of transferring ", then can be to one's own profession his remittance of manage it or transfer accounts between the user account (between yen savings or yen save and foreign currency save between the mutual transfer of fund).Select " handling the fixed deposit investment trust ", then can transfer the common savings fund of yen foreign currency to fixed deposit or investment trust.Select " inquiry of the interest rate exchange rate ", then show the exchange rate between the interest rate of current common savings and fixed deposit, various foreign currency and the yen.Select " change of log-on message is confirmed ", then the name of explicit user, telephone number, contact can carry out necessary information-change and submit the modification application file to addresses of items of mail etc.Select " advertisement information ", then show the information of financial institution's ongoing various propaganda activities now.
Select " change of card function is confirmed ", then online service handling part 24 will be the relevant information of extracting the user the storage part 21 from accounting.And, send picture shown in Figure 6 to PC6.This picture is to show current card function, the picture whether the inquiry user changes.As the function of the card that can change affirmation, there are following 4.The 1st, the effective or invalid selection of card.If card is invalid, then can't on ATM (Automatic Teller Machine), use.In addition, can specify the term of validity,, then show this term of validity if once specified the term of validity by other approach.The 2nd, the number of times that can conclude the business in every month is made as among the embodiment 5 times.The accumulative total transaction count of the right explicit user this month.The 3rd, every month payment limit is set at 1,000,000 yen among the embodiment.The progressive payment amount of money of the right explicit user this month.The 4th, the used zone of the card of explicit user.Appointment is " Japan " and " United States of America " among the embodiment.
The user does not then select " affirmation " if do not wish to change after reading Fig. 6 content displayed, then select " change " if think change.Select " affirmation ", then return menu screen shown in Figure 5.Select " change ", then online service handling part 24 will send card function change picture shown in Figure 7 to PC6.
Fig. 7 is a card function change picture, but by user's input card effectively/invalid, term of validity transaction count, payment limit, the zone of can concluding the business.The 71st, OptionButton, the user can select a certain among " effectively " and the engineering noise.The 72nd, text box, the user can import numerical value such as date, access times, the use amount of money.The 73rd, check box, the spendable All Ranges of the card of explicit user, the desirable check box of user by selecting can be selected desirable use zone.In the state of Fig. 7, the use of card is " effectively ", does not specify the term of validity, but transaction count is 6 times/month, and the payable amount of money is 1,000,000 yen/month, and spendable country is Japan, the United States of America, the People's Republic of China (PRC).The user selects " affirmation " after the function of input card.
Fig. 8 is that picture, the card function after changing that explicit user is imported are confirmed in the change of card function.After the user selected " affirmation ", it was the content of the content update of storage part 21 for user's input that online service handling part 24 will account.For example, with regard to can using the zone, will with check box 73 in be decorated with regional corresponding area code to hook and sign in to that to account be in the storage part 21.
Below, the flow process when using cash card to draw deposits from the ATM (Automatic Teller Machine) 2 of one's own profession with regard to the user describes in conjunction with Fig. 9 to Figure 14.Fig. 9 is the accompanying drawing that the payment transaction flow process in the ATM (Automatic Teller Machine) is described, and Figure 10 is the accompanying drawing that the payment transaction in the principal computer is described.And Figure 11 to Figure 14 is the accompanying drawing that the displaying contents on the picture of ATM (Automatic Teller Machine) 2 is described.
At first, the user selects picture to press " withdrawing the money " button 111 in the transaction of ATM (Automatic Teller Machine) shown in Figure 11 2.ATM (Automatic Teller Machine) 2 shows not shown plug-in card picture, waits for that the user will block insertion.The user inserts (S901) with cash card.ATM (Automatic Teller Machine) 2 shows code number input picture shown in Figure 12.The user uses numerical key 121 input code numbers (S902).After importing 4 code number, ATM (Automatic Teller Machine) 2 shows amount of money input picture shown in Figure 13.The user uses the needed amount of money of withdrawing the money of numerical key 121 inputs, presses acknowledgement key 131 (S903).ATM (Automatic Teller Machine) 2 is formed text with Bank Number, savings bank numbering, subject, account number, code number, the amount of money of withdrawing the money of user account, sends to principal computer 1 (S904) by industrial siding 4.
Principal computer 1 is the account information that storage part 21 reads this user from accounting after receiving text.In addition, judge the ATM (Automatic Teller Machine) of concluding the business is positioned at which zone (S1001).This judgement is to carry out according to the plane No. etc. of distributing to ATM (Automatic Teller Machine).Secondly, will be the code number that reads of storage part 21 from accounting and the code number of user's input compares (S1002), as if the inconsistent inconsistent mistake of code number (S1010) that then is considered as.Secondly, judge that card is effectively or invalid (S1003), if the invalid card invalid error (S1011) that then is considered as.And then carry out judgement (S1005), the transaction zone (S1006) of judgement (S1004), the transaction count of transaction period, the judgement (S1007) of the progressive payment amount of money.All persons that do not satisfy condition just are considered as mistake (S1013～S1016).At last, carry out account balance and the comparison of the amount of money of withdrawing the money, then be considered as remaining sum mistake (S1017) if can not withdraw the money.Whether about the judgement of the zone of concluding the business (S1006), logining accounting according to the area code of ATM (Automatic Teller Machine) 2 regions is that subscriber card stored in the storage part 21 can use in the zone and carries out.
ATM (Automatic Teller Machine) 2 judges whether transaction sets up (S905) after receiving the text that sends from principal computer 1.If transaction is set up, the amount of money of then will withdrawing the money, the remaining sum after withdrawing the money etc. is printed on the detail form, drives the currency handling part and carries out preparation (S911) that currency is sent.Afterwards, after the payment of detail form and bank note is ready to complete, they are exported to user, closing the transaction (S912) with card.
On the other hand, when mistake is false, exists in the S905 transaction, inform the reason that the user can not conclude the business according to the content of error code.If card invalid (S906) is then pointed out user " it is invalid to block " (S913), then point out " exceeding transaction period " (S914) if exceed the transaction term of validity (S907), then point out " this month to date transaction count surpasses " (S915) if surpass transaction count (S908).In addition, if outside processing region (S909), then show the prompting 141 (S916) that to use the one's respective area as shown in figure 14.If remaining sum mistake (S910) is then pointed out " remaining sum mistake " (S917).In addition, the above-mentioned reason that can't carry out payment transaction is printed on the detail form (S919) sends (S920), finish payment transaction with card.
Below, the situation of using the cash card of one's own profession to extract cash with regard to the user on the ATM (Automatic Teller Machine) of cooperative bank describes.It is roughly the same to withdraw the money and withdraw the money by one's own profession by cooperative bank, but the cooperative bank that has does not possess the function that the card function is limited by the user.
The workflow of principal computer 1 is with to combine the explanation that Figure 10 carries out roughly the same, but the flow process difference of S1001.In the occasion of concluding the business by cooperative bank, the transaction text is received by cooperative bank's interface portion 27 of cooperative bank.In this occasion, principal computer 1 also receives Bank Number, savings bank numbering, the plane No. of the bank of the operated ATM (Automatic Teller Machine) of user except the Bank Number that receives the user, account number, code number, payment etc.Principal computer 1 visit cooperative bank storage part 28 is retrieved as key word with the Bank Number of the bank of the operated ATM (Automatic Teller Machine) of user, obtains the area code of the employed ATM (Automatic Teller Machine) of user.At S1006, judge with this area code whether the user can use the zone.
Operation on the ATM (Automatic Teller Machine) of cooperative bank is with to combine the explanation that Fig. 9 carries out roughly the same, but the flow process difference when the S905 transaction is false.Because cooperative bank has unlike one's own profession by the function that the user is limited card function, thus can not be as S906～S910 error message by error code demonstration S913～S918.Therefore, just generally show the message of " this card can't use ", will block with detail form and send together.Have the function that the card function is limited by the user if cooperative bank is the same with one's own profession, then can carry out the processing shown in S906～S910.
Present embodiment is a kind of embodiment, it is also conceivable that various flexible programs.For example, in the present embodiment, the user is by oneself PC6 change card function, but also can be designed to block by mobile phone 7 change of function.In this occasion, can use like this, that is, it is invalid will blocking function setting at ordinary times, utilizes mobile phone 7 that card is set at effectively before the user concludes the business by ATM (Automatic Teller Machine) 2, it is invalid will blocking function setting by mobile phone 7 once more after the closing the transaction.In addition, can also be designed to be able to change the function of card with ATM (Automatic Teller Machine) 2.In this occasion,, then safer if the employed code number, can also specify the other password that is used to change the card function when carrying out payment transaction etc.
In addition, in the present embodiment, surpass when accumulative total is extracted the amount of money or Sorry, your ticket has not enough value and card is return, but can be designed to also show that the amount of money that institute can extract asks the user import payment once more as mistake.
In addition, in the present embodiment, when judging ATM (Automatic Teller Machine) that the user is operated regional, what use is the plane No. of ATM (Automatic Teller Machine) and the Bank Number of cooperative bank, but also can use the telephone number that links to each other with ATM (Automatic Teller Machine) or the out of Memory such as IP address host name of the ATM (Automatic Teller Machine) of giving.
In addition, in the present embodiment, be that the used zone of user's cash card is specified, but also can be in contrast, appointment can not be used the zone.In this occasion, what ask user's selection is to use the zone, and carries out opposite regional determination at the S909 of Fig. 9.
In addition, also the user can be selected cash card can use the function in zone, change into using currency to carry out the function of appointment.In this occasion, be to store the used zone that to use currency to substitute card in the storage part 21 accounting, and change the S909 of Fig. 9 whether into the currency of judging extraction be to use currency.When such design because currency is associated with the zone of this currency of use, even if thereby can't hold the ATM (Automatic Teller Machine) region by principal computer 1 time, also can be virtually to using the zone to limit.
In addition, can also be designed to the card function is limited as a kind of service item by the user shown in the present embodiment collected service charge.In this occasion, the set one day predetermined service charge of dial-out from user's deposit account at every month.
In the present embodiment, the user can set using the function of cards such as zone, thereby can reduce the loss that card is stolen or suffer when being forged.Even utilize the occasion of cooperative bank the user, also can be only system by one's own profession change and obtain above-mentioned effect.
[embodiment 2]
Figure 16 is the settlement system pie graph of credit card.
Native system is as shown in the drawing, be arranged on the office center of the A of credit card company principal computer 161, link to each other by telephone wire road network 164 with the end device (CAT) 162,163 of the chain store that is arranged on the A of credit card company.In addition, being arranged on the mobile phone 7 that PC6 in the user family or user hold links to each other with principal computer 161 by internet 5.In addition, be arranged on the office center of the B of credit card company that cooperates principal computer 165, link to each other by telephone wire road network 167 with end device 166 in the chain store that is arranged on the B of credit card company.And principal computer 161 links to each other by dedicated line etc. with principal computer 165.
Figure 17 is the internal frame diagram of principal computer 161.The 171st, the Customer Information storage part stores essential information and each information that is accumulated when using card of credit card contractor's card.The 172nd, the online service information storage part is storing user's ID, login password, addresses of items of mail, last visit day, credit card number etc. and access log.The 173rd, the credit card handling part, acceptance is admitted request by the chain store that is arranged on end device (CAT) that our company chain store etc. locates or other company through what the principal computer 165 of other company proposed, judge and to be admitted with reference to the information of Customer Information storage part 171, in the time of can be admitted the information of Customer Information storage part 171 upgraded and send and admit number.The 174th, the online service handling part conducts interviews through internet connecting portion 176 the user, after authenticating by ID and login password, handles with reference to the information of Customer Information storage part 171 and online service information storage part 172.The 175th, the telephone wire connecting portion carries out the transmission and the reception of data when the user buys commodity in our company chain store.The 176th, the internet connecting portion links to each other with the ISP (internet service provider) of outside, has to be used for fire wall of taking precautions against improper visit etc.The 177th, the cooperative venture's interface portion that is connected with other credit card company, other company be stuck in that our company chain store uses or, the occasions such as chain store's use that are stuck in other company of our company carry out the transmission and the reception of data.The 178th, cooperative credit card company storage part, be store the user of our company the form of information of other company that can utilize.Specifically, as shown in figure 18, store title, credit card company's code, the country one belongs to of main office name of the country, area code, currency as the credit card company of cooperative venture.The 179th, the merchandise news storage part, as shown in figure 19, for among the commodity that can buy with credit card, the user can select its commodity that could buy, stores the title and the commercial product code of each classification according to commodity classifications such as " non-staple food ", " exchange tickets ".
Figure 20 is the accompanying drawing that stored content in the Customer Information storage part 171 of principal computer 161 is described.Except kind, card number, the term of validity, the use limit of credit card contractor's card, can use amount, cash limit, can cash amount, the essential informations such as code number, contractor's name, sex, age, annual income, appropriation financial institution account information, the information that is accumulated when also storing each uses the such as the use amount of money, mode of satisfaction of use trade name, the card of use day, the card of card.In addition, but also store to the use of card effectively/but the maximum of the operating period of invalid, card, the access times of card, card can use the amount of money, card can not use zone, card can not commodity in use etc. to carry out data designated.For the used zone of card, carry out record with the code that can use the zone.And can not commodity in use for card, store with commercial product code form shown in Figure 19.For these data, the user carries out reference except can buy commodity in the chain store of credit card company the time and upgrades, can also when utilizing online service, rewrite.
In the present embodiment, can use the amount of money to manage respectively to use limit and (once) maximum of credit card.For using limit, the past nearly all is to set by credit card, user's credit standing being examined the back setting, is generally 100,000 yen～1,000,000 yen by credit card company.It is that spendable maximum dollar amount is once set that maximum can be used the amount of money.This is in order to prevent that card is used to buy the use of great number commodity malice after stolen.For example, the user for just buy non-staple food on ordinary days with credit card can use the amount of money to be set at about 10,000 yen maximum and get final product.
Below, the operation when in conjunction with Figure 21～Figure 26 the user being blocked function by the online service change describes.
The user selects online service by the site of PC6 through internet visit credit card company.Online service handling part 174 sends login screen shown in Figure 21 to PC6, shows login screen on PC6.ID and login password that user's input obtains from credit card company are in advance pressed ACK button.Online service handling part 174 sends master menu picture shown in Figure 22 to PC6 after the legitimacy of ID and login password is confirmed.
In Figure 22,221 what show is user's the credit card number or the title and the name of card.The 222nd, link has underscore.User by selecting link (with clicks such as mouses) can enter the picture of desired transaction of carrying out or formality.Item as showing can also show last log date and login times etc.In addition, also can substitute the link that has underscore shown in 222 and with button or icon channeling conduct.
Select " use inquiry into balance ", then the current shopping remaining sum of explicit user and cash remaining sum.Select " with reference to using resume ", then the still open shopping resume of explicit user and cash resume.Select " the inquiry change of predetermined mode of satisfaction ", then show every month number, can also change method of payment when needing from the bank account dial-out.Select " use of cashing ", then the desirable amount of money can be squeezed in the appropriation account, cash by importing the desirable amount of money, mode of satisfaction and code number.Select " affirmation of counting ", then can inquire about current counting.Select " use of counting ", then show and can serve the article complete list of buying by counting, just can be by input goods number and quantity by the purchase article of counting.Select " change of log-on message is confirmed ", then the name of explicit user, address, telephone number, contact can carry out necessary information-change and submit the modification application file to addresses of items of mail etc.If select " advertisement information ", then show the information of credit card company's ongoing various propaganda activities now.
Select " change of card function is confirmed ", then online service handling part 174 will extract user's relevant information from Customer Information storage part 171.And, send picture shown in Figure 26 to PC6.This picture is to show the function of current card and inquire the picture whether user changes.As the function of the card that can change affirmation, there are following 5.The 1st, the effective or invalid selection of card.If card is invalid, then can not use as credit card.In addition, can specify the term of validity,, then show this term of validity if once specified the term of validity by other approach.The 2nd, every month spendable number of times is made as among the embodiment 30 times.The accumulative total access times of the right explicit user this month.The 3rd, once spendable maximum is made as 50,000 yen among the embodiment.The 4th, the used zone of the card of explicit user.Appointment is " Japan " and " United States of America " among the embodiment.Last shows the commodity that credit card can not be bought.Appointment is " exchange ticket ", " ticket class ", " internet shopping online " in an embodiment.
The user does not then select " affirmation " if do not wish to change after reading Figure 23 content displayed, then select " change " if think change.Select " affirmation " then to return menu screen shown in Figure 22.Selection " change " then online service handling part 174 will send card function change picture shown in Figure 24 to PC6.
Figure 24 is a card function change picture, but by user's input card effectively/invalid, term of validity access times, once use limit, can use the zone.The 241st, OptionButton, the user can select a certain among " effectively " and the engineering noise.The 242nd, text box, the user can import date, access times, once maximum is used numerical value such as the amount of money.The 243rd, check box, the card of explicit user all the used zones that can select, the check box that user by selecting needs can select desirable uses regional.Among Figure 24, the term of validity is not specified in the use of card " effectively ", but access times are 9 times/month, and the once maximum use amount of money is 100,000 yen, and spendable country is Japan, the United States of America, the People's Republic of China (PRC).
In addition, want to select can not commodity in use the time, can select link 244 with the selection of commodity in use " can not " the user.At this moment, online service handling part 174 will send picture shown in Figure 25 to PC6.Figure 25 is the picture that the commodity that credit card can not be bought are selected.The user selects as the classification that can buy commodity it with regard to not wishing to check box 251.In an embodiment, selection is " exchange ticket ", " ticket class ", " precious metal class ".The user clicks " affirmation " after selection.Click " affirmation " afterwards, online service handling part 174 will send picture shown in Figure 24 to PC6 once more.
Can not buy the commodity object as what the user can select, preferably credit card be converted to after by improper use the very big commodity of the possibility of cash and, as long as the card number of creditable card and the commodity that term of validity no credit card itself also can be done shopping etc.For example, being chosen as suitable to " exchange ticket ", " prepaid card ", " metering certificate ", " AV equipment ", " internet shopping online " etc.
Figure 26 is that picture, the card function after changing that explicit user is imported are confirmed in the change of card function.After the user selects " affirmation ", online service handling part 174 is imported the content update of Customer Information storage part 171 for the user content.For example, with regard to can not buying commodity, will with check box 251 in be decorated with the corresponding commercial product code of the commodity of hook signed in in the Customer Information storage part 171.
Below, the flow process when using credit card to buy commodity in chain store with regard to the user describes in conjunction with Figure 27, Figure 28.Figure 27 is the accompanying drawing that the flow process of buying commodity in the chain store is described, and Figure 28 is the accompanying drawing that the workflow to principal computer describes.
At first, commodity and credit card that the user will buy are given the salesman, and will inform the salesman such as desirable methods of payment such as " bonus payment in full ".The salesman takes over credit card (S701), in the enterprising line scanning of end device (CAT) (S702), with the amount of money, method of payment and the commodity classification code entry terminal device (S703) of commodity.End device sends (S704) such as credit card number, the term of validity, the use amount of money, method of payment, commodity classification code, trade name, area codes by telephone line to principal computer 161.Wherein, the commodity classification code uses code shown in Figure 19.
Secondly, judge whether the commodity of buying are can not commodity in use (S807).Specifically, the Sort Code of judging the commodity bought whether Customer Information storage part 171 can not commodity in use among.If then be considered as mistake (S816).
At last, to user's the use amount of money with can use amount to compare, can use amount if use the amount of money to surpass, then be considered as surpassing and can use amount mistake (S816).
About using the judgement of zone (S805), be in advance to end device setting regions code, undertaken by judging whether this code is logined in user's stored in Customer Information storage part 171 the used zone of card.
End device receives The above results from principal computer 161, and judgement could be bought commodity (S705).If can buy commodity, then on receipt, print credit card number, the term of validity, the shopping amount of money, payment number of times, date etc. and admit number and send (S722) from what principal computer 161 received.The salesman gives the user with receipt after confirming to do shopping by receipt.The user is giving the salesman behind the signature on the receipt.The salesman checks (S723) with the signature of signature on the receipt and credit card, if unanimity is then given the user with commodity, credit card and receipt, the shopping processing finishes.
On the other hand, be judged as to do shopping the time, will show error message according to error code on the end device at S705.If card invalid (S706) is then pointed out salesman's " card invalid error " (S713), then point out " exceeding the transaction term of validity " (S714) if surpass the term of validity (S707) of to conclude the business, then point out " surpassing the transaction count mistake " (S715) if outside processing region (S709) if surpass transaction count (S707), then prompting " is used outside the zone wrong " (S716).Can use the amount of money (S710) then to point out " the maximum amount of money mistake of using " (S717) if surpass once maximum.And (S711) prompting when surpass using the amount of money " it is wrong to use the amount of money to surpass " (S718), buy in the time of can not buying commodity (S712) prompting " purchase can not be bought the commodity mistake " (S719).Afterwards, end device is printed the above-mentioned reason (S721) that can not carry out payment transaction it is sent on receipt.The salesman understands error reason according to the picture or the receipt of end device, describes and card is returned to the user.
Situation when secondly, the user being bought commodity in the chain store of other credit card company describes.The cooperative credit card company that has does not possess the function that credit card function is limited by the user.Here, be that example describes with the user at chain store's purchase commodity of the B of credit card company.In this occasion, that the merchandise news storage part uses is another example (Figure 29).With roughly the same, will describe around difference below in the shopping of our company chain store.The user gives the salesman in chain store with commodity and credit card, informs the payment number of times.Salesman's operating terminal device 166 reads credit card, and the input payment number of times and the amount of money.End device links to each other with principal computer 165 by telephone line 167.Principal computer 165 learns it is that other credit card company uses from the card number of credit card, thereby passes on receipt to principal computer 161.
The workflow of principal computer 161 is with to combine the explanation that Figure 28 carries out roughly the same, but the flow process difference of S801.In the occasion of concluding the business by cooperative credit card company, the transaction text is received by cooperative venture's interface portion 177.In this occasion, principal computer 161 also receives the company code of the B of credit card company except receiving credit card number, the term of validity, method of payment, the use amount of money etc.161 pairs of cooperative venture's storage parts 178 of principal computer conduct interviews, and retrieve the area code of the chain store that the acquisition user is utilizing as key word with the company code of cooperative venture.Whether use this area code to judge at S805 is that the user can use the zone.
In addition, but for commodity in use, use another example of merchandise news storage part shown in Figure 29 to carry out the judgement that could do shopping.Retrieve with trade name with the market name commodity object by name that the end device of chain store 166 sends.Such as the market name trade name that end device sends is " * * supermarket non-staple food ", because of including " non-staple food " this vocabulary, so commercial product code is 1001.About among Figure 29 as the vocabulary of the band quotation marks of trade name, when include in the name trade name of market by quotation marks cause come whole vocabulary the time, just think and bought this commodity.
The operation of cooperative venture's end device 166 is with to combine the explanation that Figure 27 carries out roughly the same, but in S705 its flow process difference for can not conclude the business the time.When utilizing the chain store of cooperative venture, owing to unlike our company, possess the function that the card function is limited by the user, thereby can not as S706～S712, show the error message of S713～S719 by error code.Therefore, just generally show the message of " this card can't use ", receipt is sent.If cooperative venture and our company possess the function that the card function is limited by the user equally, then can carry out the processing shown in S713～S719.In addition, if the message from credit card company can be printed on the receipt, also can be designed to error message with S713～S719 and send to end device 166 and print.
By as above constituting,, also can limit of the use of our company's credit card in cooperative venture chain store even if having only our company to possess the function that the card function is limited by the user.In addition, even if the chain store of our company if use the merchandise news storage part of another example shown in Figure 29, does not then transform end device and only principal computer 161 is rebuild and also can allow the user that the card function is limited.
Present embodiment is a kind of embodiment, it is also conceivable that various flexible programs.For example, in the present embodiment, the user is by oneself PC6 change card function, but also can be designed to block by mobile phone 7 change of function.In this occasion, can use like this, that is, it is invalid will blocking function setting at ordinary times, and the user utilized mobile phone 7 that card is set at effectively before chain store does shopping, and it is invalid will blocking function setting by mobile phone 7 once more after the shopping.
In addition, in the present embodiment, when judging chain store that the user does shopping regional, what use is to send the area code of self terminal device or the company code of cooperative credit card company, but also can use the telephone number of the telephone line that end device is attached thereto or the IP address host name of the end device of giving etc. can assert the out of Memory of this end device.
In addition, in the present embodiment, can specify the enabledisable of credit card, but also can be designed to be able to respectively to doing shopping and cashing and specify its enabledisable.In case code number is known by other people, just exist and be implemented the possibility that great number is cashed, therefore, only will cash to be set at and invalidly also can guarantee safety.
In addition, in the present embodiment, be that the used zone of user credit card is specified, but also can be in contrast, appointment can not be used the zone.In this occasion, what ask user's selection is to use the zone, and carries out opposite regional determination at the S805 of Figure 28.
In addition, also the user can be able to be used the selection in zone to credit card, change into using currency to specify.In this occasion, in Customer Information storage part 171, store the used zone that to use currency to substitute card, and change the S805 of Figure 28 whether into the currency of judging extraction be to use currency.When such formation because currency is associated with the zone of this currency of use, even if thereby can't hold the ATM (Automatic Teller Machine) region by principal computer 161 time, also can be virtually to using the zone to limit.Particularly as credit card, the ratio of the card that can use in the world is very high, thus be used in overseas very risky.Therefore, for the people that often live at home, be merely able to use " yen " as long as set for.
In addition, present embodiment is object with the credit card, but also is applicable to the debt-credit modes of payments with cash card payment for merchandise money.In this occasion, principal computer 161 will be equivalent to be arranged on the principal computer at the office center of financial institution, and send users' Bank Number, savings bank numbering, account's subject, account number, the use amount of money, trade name to principal computer 161 from end device.
Claims (5)
1. transaction system, the operator holds authentication and uses medium, and transaction system reads described authentication and concludes the business with medium during transaction, it is characterized in that,
At least have in the described transaction system: store the 1st identifying information that described authentication is assert with medium and use the operator message reservoir of the area limiting information that described authentication limits the zone that can conclude the business with medium, and judge the detection unit of could concluding the business that to conclude the business according to the installation site of described the 1st identifying information, described area limiting information and described transaction system;
When described transaction system is concluded the business, read the 2nd identifying information from described authentication with medium and send to the described detection unit of could concluding the business,
The described detection unit of could concluding the business utilizes described the 2nd identifying information that described the 1st identifying information in the described operator message reservoir is retrieved, and extract corresponding described area limiting information and judge and could conclude the business,
Described transaction system is that enforcement is concluded the business in the time of can concluding the business in the described result of determination that could conclude the business detection unit.
2. transaction system as claimed in claim 1 is characterized in that,
The described detection unit of could concluding the business is judged the installation site of described transaction system according to the kind of the handled currency of described transaction system, and judgement could be concluded the business.
3. transaction system, the authentication that the read operation person is held during transaction is concluded the business with medium, it is characterized in that,
Described transaction system the time reads the identifying information that described authentication is assert with medium and sends to host apparatus in transaction,
Described transaction system receives the result of determination that could conclude the business that host apparatus is made according to the installation site information that is stored in area limiting information that the concluded the business zone with the corresponding operator of described identifying information in the host apparatus limits and described transaction system
In the described result who receives is that enforcement is concluded the business in the time of can concluding the business.
4. settlement system, the operator holds the authentication medium, and authenticate device reads described authentication and settles accounts with medium during the purchase commodity, it is characterized in that,
At least have in the described settlement system: store the 1st identifying information that described authentication is assert with medium and use described authentication with the operator message storage part of medium the commodity prescribed information that can settle accounts commodity and limit, and according to the commodity that described the 1st identifying information, described commodity prescribed information and described operator will settle accounts judge could settle accounts could settle accounts detection unit;
When described authenticate device is settled accounts, read the 2nd identifying information from described authentication with medium and send to and describedly could settle accounts detection unit,
The described detection unit of could settling accounts utilizes described the 2nd identifying information that described the 1st identifying information in the described operator message reservoir is retrieved, and extract corresponding commodity prescribed information and judge and could settle accounts,
Described authenticate device in the described result of determination of detection unit of could settling accounts for to settle accounts in the time of can settling accounts.
5. settlement system as claimed in claim 4 is characterized in that,
Be provided with the merchandise news storage part that is used for storing with commercial product code, market name or trade name information corresponding,
Described commodity prescribed information is by constituting settling accounts the commercial product code that commodity limit,
When described authenticate device is settled accounts, market name or trade name sent to described the 2nd identifying information describedly could settle accounts detection unit,
The described detection unit of could settling accounts utilizes described market name or trade name that described merchandise news storage part is retrieved, and extracts the commodity that corresponding commercial product code identification will be settled accounts.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2004215721A JP2006039729A (en) | 2004-07-23 | 2004-07-23 | Transaction system, transaction device and settlement system |
| JP215721/04 | 2004-07-23 |
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| Publication Number | Publication Date |
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| CN1725253A true CN1725253A (en) | 2006-01-25 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200510087539 Pending CN1725253A (en) | 2004-07-23 | 2005-07-22 | Transation system and device and settlement system |
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| JP (1) | JP2006039729A (en) |
| CN (1) | CN1725253A (en) |
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| CN113450203A (en) * | 2020-03-24 | 2021-09-28 | 东芝泰格有限公司 | Information processing apparatus and storage medium |
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| JP5520781B2 (en) * | 2010-11-08 | 2014-06-11 | 株式会社日本総合研究所 | Approval system and approval method |
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| JP6969236B2 (en) * | 2017-09-06 | 2021-11-24 | 日本電気株式会社 | Settlement device, information notification method, and program |
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| CN101266705B (en) * | 2007-03-12 | 2010-09-29 | 冲电气工业株式会社 | Cash processing device and output method thereof |
| WO2013171765A2 (en) * | 2012-04-30 | 2013-11-21 | Sarvatra Technologies Pvt Ltd | Interactive kiosk system |
| WO2013171765A3 (en) * | 2012-04-30 | 2014-01-09 | Sarvatra Technologies Pvt Ltd | Interactive kiosk system |
| CN106897868A (en) * | 2017-02-22 | 2017-06-27 | 世纪禾光科技发展（北京）有限公司 | Across national boundaries e-commerce platform buyer's credit card effective period update method and system |
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| JP2006039729A (en) | 2006-02-09 |
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