JP2006039729A - Transaction system, transaction device and settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent a wrongful use of a cash card and a credit card by counterfeiting them. <P>SOLUTION: 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. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a transaction system using a card such as a cash card or a credit card.

Conventional systems of this type include the following.
FIG. 30 is a diagram showing a connection form of a conventional system. The host computer 301 stores user information, updates the balance according to the transaction, and adds a usage record. The terminal devices 302 and 303 are connected to the host computer 301 via a line 304, transmit information input by the user to the host computer 301, and output data received from the host computer 301 to the user.

  First, an example of a financial institution system is shown. The host computer 301 is placed in a business center of a financial institution and stores a user's account number, password, balance, transaction history, and the like. When a user conducts a transaction, the balance is updated and the transaction is added to the transaction history. The terminal devices 302 and 303 are automatic transaction devices (ATMs) installed in financial institution branches or convenience stores.

  When the user withdraws from his / her own account, the user inserts a cash card into the terminal devices 302 and 303 and inputs a personal identification number and a withdrawal amount. The terminal device transmits transaction information to the host computer 301. The host computer 301 compares the password and compares the balance with the withdrawal amount, and if withdrawal is possible, transmits it to the terminal device. The terminal device returns the cash card to the user and withdraws the amount specified by the user.

  Next, an example of a credit card system is shown. The host computer 301 is placed in a credit card company and stores a user's card number, date of use, amount of money to be used, name of a shop to be used, payment method, available balance, and the like. The terminal devices 302 and 303 correspond to credit inquiry terminals (CAT) or the like placed in stores.

  When purchasing a product using a credit card at a store, the user presents the credit card to the store clerk and tells the payment method (single payment, revolving payment, etc.). The store clerk operates the credit inquiry terminal, scans the credit card deposited from the user, and inputs the usage amount and payment method. The credit inquiry terminals 302 and 303 are connected to the inquiry center via a telephone line or the like, and transmit the user's credit card number, usage amount, payment method, and the like. The inquiry center transmits information to the host computer 301 of the credit card company. The host computer 301 checks the available balance of the user, and if it is determined that the purchase is possible, the host computer 301 transmits that the purchase is possible to the credit inquiry terminals 302 and 303 via the inquiry center. When the credit inquiry terminal receives that it can be purchased, it issues a credit usage statement. The clerk confirms the credit usage statement and hands over the credit card / credit usage statement / product to the user.

  Recently, some cash cards and credit cards are commonly used both domestically and abroad. For example, in the case of a cash card, when $ 100 is withdrawn with an automatic transaction apparatus in the United States, the amount of Japanese yen equivalent to $ 100 is deducted from the account. In such a system, an automatic transaction apparatus installed in a foreign country is connected to a host computer of a financial institution in which a user has opened an account via the host computer of the financial institution managing the automatic transaction apparatus. The

In the above system, there is a frequent damage that a cash card or a credit card is forged and used illegally. Therefore, measures to prevent the withdrawal of a large amount of funds in a short time by setting a daily withdrawal limit amount, as described in JP-A-2002-13332, There has been proposed a technique for preventing the unauthorized use depending on the usage mode by allowing the user to set the total number of withdrawals.
JP 2002-13332 A JP-T-2002-537619

However, the above-described conventional technology has a problem that it can be used in an area where a user does not normally use since it can be used in any area where a cash card or a credit card can be used. For example, even with a cash card that can be used both domestically and abroad, there are few users who always travel abroad, and the majority of users need only be able to use it only when they travel abroad. Therefore, in the case of a cash card that can be used domestically or abroad, there is a problem that there is a higher possibility of fraudulent use by counterfeiting than a cash card exclusively for domestic use.
An object of the present invention is to solve such a problem.

  Therefore, the present invention provides a transaction system in which an operator has an authentication medium and a transaction apparatus reads the authentication medium at the time of transaction and performs a transaction. The transaction system includes at least identification information for identifying the authentication medium. An operator information storage unit that stores region-limited information that limits a region where transactions can be performed using the authentication medium, and determines whether or not the transaction is possible from the identification information, the region-limited information, and a place where the transaction device is installed. A transaction availability determination unit, and when the transaction device conducts a transaction, the transaction device reads identification information from the authentication medium and transmits the identification information to the availability determination unit, and the transaction availability determination unit receives the identification from the operator information storage unit. The region limited information corresponding to the information is searched to determine whether or not the transaction is possible, and the transaction device executes the transaction when the determination result of the transaction availability determination unit indicates that the transaction is possible. It was the argument system.

  According to the present invention as described above, it is possible to prevent unauthorized use of a card forged by another person and to secure higher security. In addition, by setting an available area, even if it is illegally used, the damage can be minimized.

  Embodiments of a card transaction system according to the present invention will be described below with reference to the drawings.

FIG. 1 is a system configuration diagram of the embodiment.
As shown in this figure, this system includes a host computer 1 installed in a business center of a financial institution (own bank), and an automatic transaction apparatus (ATM) 2.3 installed in a business center of a financial institution or a convenience store. It is connected by a dedicated line 4. A PC 6 installed in the user's house and a mobile phone 7 owned by the user are connected to the host computer 1 via the Internet 5. It is assumed that the financial institution (own bank) described in this embodiment operates internationally, and an automatic transaction apparatus located in each country is connected to the host computer 1.

  FIG. 2 is a block diagram inside the host computer 1. An account storage unit 21 stores the branch number, account subject, account number, account opener name, personal identification number, balance, transaction history, CIF number, and the like of the account opener. A web service information storage unit 22 stores the ID, login password, e-mail address, last access date, account opening branch number, account subject, account number, and access log of a user who has a web banking contract. . An account processing unit 23 receives a transaction request from a branch office terminal or an automatic transaction apparatus (ATM) installed in a branch through the dedicated line connection unit 25, and refers to information in the account storage unit 21. Whether or not the transaction is possible is determined. If the transaction is possible, the information in the account storage unit 21 is updated and the information on the transaction is transmitted to the branch office terminal or the automatic transaction apparatus through the dedicated line connection unit 25. Reference numeral 24 denotes a Web service processing unit, which is accessed by a Web banking user via the Internet connection unit 26 and authenticates with an ID and a login password, and then refers to the information in the account storage unit 21 and the Web service information storage unit 22. Transaction processing. Reference numeral 26 denotes an Internet connection unit which is connected to an external ISP (Internet connection provider) and includes a firewall or the like for protecting against unauthorized access. 27 is a partner bank interface unit connected to another financial institution, and when a user of the bank makes a transfer to another financial institution, a user of the other financial institution makes a transfer to a user of the bank Exchange of data, when a user of another financial institution uses the automatic transaction apparatus of the bank, or when the user of the bank uses an automatic transaction apparatus of another financial institution. Reference numeral 28 denotes an affiliated bank storage unit, which is a table that stores information on other banks that can be used by users of the bank. Specifically, the bank name, bank code, country name, region code, and currency where the head office is located are stored (FIG. 15).

  FIG. 3 is a diagram for explaining the contents stored in the accounting system storage unit 21 of the host computer 1. For each user's account, in addition to the previously stored contents such as account number, name, account balance, etc., card usage validity / invalidity, card usage period, card usage count, card usage limit The data for specifying the area where the card can be used is stored. The area where the card can be used is recorded with an available area code. These data can be referred to when a user performs a transaction using an automatic transaction apparatus, and can be rewritten when using a web banking service.

  Next, an operation when the user changes the card function with the Web banking service will be described with reference to FIGS.

  A user accesses the website of a financial institution from the PC 6 via the Internet and selects a web banking service. The web service processing unit 24 transmits a login screen as shown in FIG. 4 to the PC 6, and the login screen is displayed on the PC 6. The user inputs an ID and a login password given in advance from a financial institution and presses a confirmation button. When the Web service processing unit 24 confirms the validity of the ID and the login password, it transmits a transaction screen as shown in FIG.

  Reference numeral 51 indicates the name of the branch handled by the user, the account number, and the name. Reference numeral 52 denotes a link, which is underlined. The user can move to a screen for performing a desired transaction or procedure by selecting a link (clicking with a mouse or the like). Note that the last login date, the number of logins, and the like may be displayed as display items. Further, instead of the underlined link as shown at 52, guidance may be provided with buttons or images.

  When “Inquiry for Balance” is selected, the balance of the user's account is displayed. When a foreign currency deposit account is opened, the balance of each foreign currency deposit account is displayed. When “reference transaction history” is selected, the past transaction history of the user is displayed. When “transfer / transfer” is selected, remittance to the bank or another bank or transfer between user accounts (transfer of funds between yen deposits or mutual deposits between yen deposits and foreign currency deposits) can be performed. If you select “Handling time deposits / investment trusts”, you can transfer funds from ordinary deposits in yen or foreign currency to time deposits or investment trusts. If you select "Inquiry about interest rate / exchange rate", the current savings deposits, time deposits, and exchange rates between foreign currencies and yen will be displayed. When “Change / confirm delivery information” is selected, the user's name, address, telephone number, contact e-mail address, etc. will be displayed, allowing you to change necessary information and apply for change notification documents. When “Campaign Notice” is selected, various campaign information currently being executed by the financial institution is displayed.

  When “change / confirm card function” is selected, the Web service processing unit 24 extracts information relating to the user from the account storage unit 21. Then, a screen as shown in FIG. 6 is transmitted to the PC 6. This screen is a screen that displays the current card function and asks the user whether or not to make a change. There are the following four functions that can be changed and confirmed. The first is selection of whether the card is valid or invalid. If the card is invalid, it cannot be handled by an automatic transaction device. In addition, a valid period can be specified separately, and if a period is specified, that period is displayed. Secondly, the number of transactions possible per month is set to 5 in the embodiment. On the right side, the cumulative number of transactions that users have made this month is displayed. Third is the monthly payment limit, which is set at 1 million yen in the embodiment. On the right side, the total amount paid by the user this month is displayed. Fourth, the area where the user's card can be used is displayed. In the embodiment, “Japan” and “United States” are designated.

  The user confirms the display shown in FIG. 6 and selects confirmation if he / she does not wish to change, or selects change if he / she wishes to change. When confirmation is selected, the menu screen shown in FIG. 5 is restored. When the change is selected, the Web service processing unit 24 transmits a card function change screen as shown in FIG.

  FIG. 7 shows a card function change screen, in which the user inputs the card validity / invalidity / validity period / number of transactions, payment limit, and transaction area. Reference numeral 71 denotes an option box, and the user selects either “valid” or “invalid”. Reference numeral 72 is a text box, and the user inputs numerical values such as date, number of times of use, and amount of money used. Reference numeral 73 denotes a check box that displays all available areas that can be selected with the user's card, and the user selects a desired area by selecting a desired check box. In the state of FIG. 7, the card usage is “valid” and the validity period is not specified, the number of possible transactions is 6 times / month, the payable amount is 10 million yen / month, and the available countries are Japan, the United States and the People's Republic of China. It becomes. The user selects the confirmation after entering the card function.

    FIG. 8 shows a card function change confirmation screen, which displays the changed card function input by the user. When the user selects confirmation, the Web service processing unit 24 updates the contents of the account storage unit 21 with the contents input by the user. For example, for an available area, an area code corresponding to the area where the check box 73 is checked is registered in the account storage unit 21.

  Next, the flow when a user withdraws a deposit from his / her automated transaction apparatus 2 using a cash card will be described with reference to FIGS. FIG. 9 is a diagram for explaining the flow of payment transactions in the automatic transaction apparatus, and FIG. 10 is a diagram for explaining payment transactions in the host computer. FIGS. 11 to 14 are diagrams for explaining display on the screen of the automatic transaction apparatus 2.

  First, the user presses a “draw” button 111 from the transaction selection screen of the automatic transaction apparatus 2 as shown in FIG. The automatic transaction apparatus 2 displays a card insertion screen (not shown) and waits for the user to insert a card. The user inserts a cash card (S901). The automatic transaction apparatus 2 displays a password input screen as shown in FIG. The user inputs a password using the numeric keys 121 (S902). When the 4-digit password is entered, the automatic transaction apparatus 2 displays an amount input screen as shown in FIG. The user inputs a desired withdrawal amount using the numeric keys 121 and presses the confirmation key 131 (S903). The automatic transaction apparatus 2 composes a message from the bank number, branch number, subject, account number, password, and withdrawal amount of the user's account, and transmits it to the host computer 1 through the dedicated line 4 (S904).

  When the host computer 1 receives the message, the host computer 1 reads the account information of the corresponding user from the account storage unit 21. Further, it is determined in which area the automatic transaction apparatus performing the transaction exists (S1001). This determination is made based on the machine number assigned to the automatic transaction apparatus. Next, the password input by the user is compared with the password read from the bill storage unit 21 (S1002). If the password does not match, a password mismatch error is determined (S1010). Next, it is determined whether or not the card is valid (S1003). If the card is invalid, a card invalid error is determined (S1011). Further, the transaction period is determined (S1004), the number of transactions is determined (S1005), the handling area (S1006), and the accumulated payment amount is determined (S1007). If the conditions are not met, an error is determined (S1013 to S1016). Finally, the balance of the account is compared with the withdrawal amount. If withdrawal is impossible, a balance error is determined (S1017). As for the determination of the handling area (S1006), whether or not the area code of the area where the automatic transaction apparatus 2 is installed is registered in the card available area of the user stored in the bill storage unit 21. Judge by.

  As a result of the above comparison / determination, the host computer 1 updates the account information when determining that the transaction is possible (S1009). Specifically, first, the user's account balance is deducted by the withdrawal amount. Further, the number of transactions is increased by 1, the cumulative payment amount is increased by the withdrawal amount, and the result is stored in the account storage unit 21. Then, a payable message is created and transmitted to the automatic transaction apparatus 2 (S1010). On the other hand, when an error occurs (S1011 to S1017), a message indicating that payment is impossible is transmitted to the automatic transaction apparatus 2 together with the error code of the corresponding error (S1018). Further, an email indicating that unauthorized use has been performed is transmitted to the email address of the user stored in the Web service information storage unit 22 (S1019). By receiving this mail, the user can know that the cash card has been illegally used.

  The automatic transaction apparatus 2 receives the message transmitted from the host computer 1 and determines whether or not a transaction has been established (S905). If the transaction is successful, the withdrawal amount and the balance after withdrawal are printed on the statement slip, and the money processing unit is driven to prepare for withdrawal of money (S911). When the statement slip and banknote are ready to be released, the card is discharged to the user together with the card, and the transaction is terminated (S912).

  On the other hand, if the transaction is not successful in S905, an error is notified to the user on the basis of the content of the error code. When the card is invalid (S906), the user is informed that "the card is invalid" (S913), and when the transaction possible period is out of the range (S907), "the transaction is out of period". Guidance is made (S914), and if the number of transactions has exceeded (S908), it is informed that "the total number of transactions for this month has been exceeded" (S915). If it is outside the service area (S909), a guide 141 indicating that it cannot be used in this area is displayed as shown in FIG. 14 (S916). Further, in the case of a balance error (S910), the user is informed that “Balance error” (S917). Then, the reason why the above-mentioned payment transaction is impossible is printed on the statement slip (S919) and released together with the card (S920), and the payment transaction is terminated.

  Next, the case where a user withdraws cash using an automatic transaction apparatus of a partner bank using his / her cash card will be described. The case of an affiliate bank is almost the same as that of its own bank, but the affiliate bank may not have a function for restricting the card function by the user.

  The operation of the host computer 1 is almost the same as that described with reference to FIG. 10, but the operation of S1001 is different. In the case of a transaction by a partner bank, the transaction message is received from the partner bank interface unit 27. In this case, the host computer 1 receives the bank number / branch number / machine number of the bank where the user operates the automatic transaction apparatus in addition to the user's bank number / account number / password / payment amount. . The host computer 1 accesses the affiliated bank storage unit 28, searches the bank number of the bank where the user operates the automatic transaction apparatus as a key, and obtains the area code of the automatic transaction apparatus used by the user. . In S1006, the area code is used to determine whether the area is usable by the user.

  The operation of the automatic transaction apparatus at the affiliated bank is almost the same as that described with reference to FIG. 9, but the operation when the transaction is not completed in S905 is different. In the case of a partner bank, the user does not have a function to restrict the card function as in the bank, so an error message as shown in S913 to S918 can be displayed by an error code as shown in S906 to S910. Absent. Therefore, a message such as “This card cannot be handled” is displayed, and the card is ejected together with the statement. If the affiliated bank has a function of restricting the card function by the user in the same manner as the bank, the processing as shown in S906 to S910 can be performed.

  This embodiment is an embodiment, and various modifications can be considered. For example, in this embodiment, the user changes the function of the card using the home PC 6, but the card function may be changed using the mobile phone 7. In this case, the function of the card is usually invalidated, and the user validates the card using the mobile phone 7 immediately before performing the transaction with the automatic transaction apparatus 2. Then, after the transaction ends, the cellular phone 7 can be used again to disable the card function. Moreover, you may enable it to change the function of a card | curd with the automatic transaction apparatus 2. FIG. In this case, it is more secure if another password for changing the card function can be designated in addition to the password used for the payment transaction.

  Also, in this example, it was stated that when the accumulated withdrawal amount exceeds or the balance is insufficient, the card is returned as an error. However, the amount that can be withdrawn is displayed and the user is allowed to re-enter the payment amount. It may be.

  Further, in this embodiment, it is described that the machine number of the automatic transaction apparatus or the bank number of the affiliated bank is used to determine the area of the automatic transaction apparatus operated by the user. Other means such as an IP address and a host name assigned to the automatic transaction apparatus may be used.

  In the present embodiment, the region where the user's cash card can be used is specified. However, the region where the user cannot use the cash card may be specified. In this case, the user is made to select an area that cannot be used, and the area determination in S909 of FIG. 9 is reversed.

  Further, instead of selecting a region where the user's cash card can be used, a usable currency may be designated. In this case, the account processing storage unit 21 stores a currency that can be used instead of the card-usable region, and in S909 of FIG. 9, whether or not the currency to be withdrawn is a currency that can be used. Is determined. By configuring in this way, even if the host computer 1 cannot grasp the area where the automatic transaction apparatus is installed, the currency and the area where the currency is used are related. Use area can be limited.

  Further, the card function restriction by the user shown in the present embodiment may be provided as one service and a fee may be collected. In this case, a predetermined fee is deducted from the user's savings account on a predetermined day every month.

  In the present embodiment, by allowing the user to set the card functions including the usable area, the damage when the card is stolen or forged can be reduced. Further, even when the user uses a partner bank, the above-described effects can be achieved only by changing the system of the bank.

FIG. 16 is a block diagram of a credit card payment system.
As shown in this figure, this system includes a host computer 161 installed in the office of credit card company A and terminal devices (CAT) 162 and 163 installed in a member store of credit card company A. Connected with. A PC 6 installed in the user's house and a mobile phone 7 owned by the user are connected to the host computer 161 via the Internet 5. In addition, a host computer 165 installed in the business center of the partner credit card company B and a terminal device 166 installed in a member store of the credit card company B are connected through a telephone line network 167. The host computer 161 and the host computer 165 are connected by a dedicated line or the like.

  FIG. 17 is a block diagram of the inside of the host computer 161. Reference numeral 171 denotes a customer information storage unit that stores basic information of credit card contractor cards and information accumulated every time the card is used. A web service information storage unit 172 stores a user ID, a login password, an e-mail address, a last access date, a credit card number, and an access log. Reference numeral 173 denotes a credit card processing unit that accepts an approval request from a terminal device (CAT) installed at a member store of the company or a member store of another company via the host computer 165 of the other company, and stores information in the credit use storage unit 171. Reference is made to determine whether approval is possible, and if approval is possible, information in the credit usage storage unit 171 is updated and an approval number is transmitted. Reference numeral 174 denotes a Web service processing unit, which is accessed by a user via the Internet connection unit 176 and authenticated with an ID and a login password, and is processed with reference to information in the customer information storage unit 171 and the Web service information storage unit 172 I do. Reference numeral 175 denotes a telephone line connection unit that exchanges data when a user purchases a product at a member store of the company. Reference numeral 176 denotes an Internet connection unit, which is connected to an external ISP (Internet connection provider) and includes a firewall or the like for protecting against unauthorized access. 177 is an affiliated company interface connected to other credit card companies, and exchanges data when using their own merchants with other companies 'cards or when using other companies' merchants with their own cards. Do. Reference numeral 178 denotes an affiliated card company storage unit, which is a table that stores information on other companies that can be used by users of the company. Specifically, as shown in FIG. 18, the name of the credit company of the partner company, the credit company code, the country name where the head office is located, the region code, and the currency are stored. Reference numeral 179 denotes a product information storage unit. As shown in FIG. 19, among products that can be purchased with a credit card, a product for which the user can select whether or not to purchase can be assigned a name for each product category such as food and gift certificates. The product code is stored.

  FIG. 20 is a diagram for explaining the contents stored in the customer information storage unit 171 of the host computer 161. Credit card contractor's card type, card number, expiration date, usage limit, usable amount, cashing limit, cashable amount, PIN, contractor name, gender, age, annual income, debited financial institution account information, etc. In addition to general information, information accumulated for each use, such as a card use date, a card use store name, a card use amount, and a repayment method, is stored. In addition to the above, there is data specifying the validity / invalidity of card usage, the card usage period, the number of card usages, the maximum card usage amount, the area where cards cannot be used, and products that cannot be used. Remembered. The area where the card can be used is recorded with an available area code. Further, merchandise for which the card cannot be used is stored with the merchandise code shown in FIG. These data are referred to and updated when a user purchases a product at a member store of a credit card company, and are also rewritten when using a Web service.

  In this embodiment, the credit card usage limit and the maximum available amount (one time) are individually managed. The credit limit has been set for most credit cards from before and is set by a credit card company after examining the credit status of the user, and is generally about 100,000 to 1,000,000 yen. The maximum available amount sets the maximum amount that can be used at one time. This is to prevent the card from being misused by purchasing expensive goods when the card is stolen. For example, a user who purchases only groceries with a credit card on a daily basis may set a maximum available amount of about 10,000 yen.

  Next, an operation when a user changes a card function with a Web service will be described with reference to FIGS.

The user accesses the website of the credit card company from the PC 6 via the Internet and selects a web service. The Web service processing unit 174 transmits a login screen as shown in FIG. 21 to the PC 6, and the login screen is displayed on the PC 6. A user inputs an ID and a login password given in advance from a credit card company and presses a confirmation button. When the Web service processing unit 174 confirms the validity of the ID and the login password, it transmits a menu screen as shown in FIG. 22 to the PC 6.
In FIG. 22, 221 displays a user's credit card number, card name, and name. Reference numeral 222 denotes a link, which is underlined. The user can move to a screen for performing a desired transaction or procedure by selecting a link (clicking with a mouse or the like). Note that the last login date, the number of logins, and the like may be displayed as display items. Further, instead of the underlined link as indicated by 222, guidance may be performed using buttons or images.

  When “Inquiry of Balance of Use” is selected, the current shopping balance and cashing balance of the user are displayed. When “reference usage history” is selected, the unsettled shopping history and caching history of the user are displayed. If you select “Inquiry / Change Repayment Schedule”, the amount deducted from your bank account will be displayed every month, and you can change the payment method if necessary. If “use cashing” is selected, the desired amount can be transferred to the debit account by entering the desired amount / repayment method and PIN, and cashing can be performed. If you select “Check Point”, you can check the current point. When “Use Points” is selected, a list of items that can be obtained through the point service is displayed. By entering the product number and quantity, the items can be obtained with points. When “Change / confirm delivery information” is selected, the user's name, address, telephone number, contact e-mail address, etc. will be displayed, allowing you to change necessary information and apply for change notification documents. When “Campaign Notice” is selected, various campaign information currently being conducted by the credit card company is displayed.

  When “change / confirm card function” is selected, the Web service processing unit 174 extracts information on the user from the customer information storage unit 171. Then, a screen as shown in FIG. 23 is transmitted to the PC 6. This screen is a screen that displays the current card function and asks the user whether or not to make a change. There are the following five functions that can be changed and confirmed. The first is selection of whether the card is valid or invalid. If the card is invalid, it cannot be handled as a credit card. In addition, a valid period can be specified separately, and if a period is specified, that period is displayed. Secondly, the number of times of use per month is set to 30 in the embodiment. On the right side, the total number of times the user has used this month is displayed. The third is the maximum available amount per time, which is set at 50,000 yen in the embodiment. Fourth, the area where the user's card can be used is displayed. In the embodiment, “Japan” and “United States” are designated. Finally, products that cannot be purchased using a credit card are displayed. In the embodiment, “gift certificate”, “tickets”, and “Internet mail order” are designated.

  The user confirms the display shown in FIG. 23. If the user does not wish to change, the user selects confirmation. When confirmation is selected, the menu screen shown in FIG. 22 is restored. When the change is selected, the Web service processing unit 174 transmits a card function change screen as shown in FIG.

  FIG. 24 is a card function change screen, in which the user inputs card validity / invalidity / validity period / usable number of times / use limit amount / usable area. Reference numeral 241 denotes an option box, and the user selects either “valid” or “invalid”. Reference numeral 242 denotes a text box in which the user inputs numerical values such as date, number of times of use, and maximum amount of money for one use. A check box 243 displays all available areas that can be selected with the user's card, and the user selects a desired area by selecting a desired check box. In the state of FIG. 24, the card usage is “valid” and the validity period is not specified, the usage is 9 times / month, the maximum usage amount is 100,000 yen, and the available countries are Japan, the United States, and the People Become a republic.

  Further, when the user wants to select an unusable product, the user selects the link 244 described as “Select unusable product”. In that case, the Web service processing unit 174 transmits a screen as shown in FIG. FIG. 25 shows a screen for selecting a product that cannot be purchased with a credit card. The user selects a category of a product that he / she does not wish to purchase by selecting a check box 251. In the embodiment, “gift certificate”, “tickets”, and “noble metals” are selected. The user enters confirmation after selection. When the confirmation is input, the Web service processing unit 174 transmits the screen shown in FIG. 24 to the PC 6 again.

  In addition, the items to be selected by the user that cannot be purchased include those that are likely to be redeemed after being used illegally, or the credit card number and expiration date without using the credit card itself If there is, you should be able to select products that can be purchased. For example, “Gift certificate”, “Prepaid card”, “Time coupon”, “AV device”, “Internet mail order”, etc. may be selected.

  FIG. 26 shows a card function change confirmation screen, which displays the changed card function input by the user. When the user selects confirmation, the Web service processing unit 174 updates the content of the customer information storage unit 171 with the content input by the user. For example, for a product that cannot be purchased, a product code corresponding to a product for which the check box 251 is checked is registered in the customer information storage unit 171.

  Next, the flow when a user purchases a product at a member store using a credit card will be described with reference to FIGS. FIG. 27 is a diagram for explaining the flow of purchase of merchandise at a member store, and FIG. 28 is a diagram for explaining the operation of the host computer.

  First, the user hands over the merchandise to be purchased and the credit card to the store clerk and tells the store clerk the desired payment method such as “pay once bonus”. The store clerk receives the credit card (S701), scans it to the terminal device (CAT) (S702), and inputs the product amount / payment method and the product classification code to the terminal device (S703). The terminal device transmits the credit card number, expiration date, usage amount, payment method, product classification code, product name / region code, etc. to the host computer 161 via the telephone line (S704). Here, the product classification code shown in FIG. 19 is used.

  When receiving information from the terminal device, the host computer 161 reads the customer information of the corresponding user from the customer information storage unit 171. Further, it is determined in which area the terminal device of the member store exists (S801). This determination is made based on the area code received from the terminal device. Next, it is determined whether or not the card is valid (S802). If the card is invalid, a card invalid error is determined (S811). Further, the usage period is determined (S803), the usage count is determined (S804), the usage area (S805), and the maximum usage amount is determined (S806). If the conditions are not satisfied, an error is determined (S812 to S815).

  Next, it is determined whether the product to be purchased is an unusable product (S807). Specifically, the determination is made based on whether or not the product classification code to be purchased is included in the unusable product in the customer information storage unit 171. If it is included, an error is determined (S816).

Finally, the user's available amount and the used amount are compared, and if the used amount exceeds the available amount, an available amount excess error is determined (S816).
Regarding the determination of the use area (S805), is an area code set in advance in the terminal device and is the code registered in the user's card use area stored in the customer information storage unit 171? Judge by no.

  If the host computer 161 determines that the transaction is possible as a result of the above comparison / determination, the host computer 161 updates the customer information (S809). Specifically, first, the user's available amount is deducted by the amount used. Further, the number of uses is increased by 1, and the result is stored in the customer information storage unit 171. And an approval number is numbered and an approval number and the information which can be transacted are transmitted with respect to a terminal device (S810). On the other hand, when an error has occurred (S811 to S817), the fact that payment is impossible is transmitted to the terminal device together with the error code of the corresponding error (S818). Furthermore, an email indicating that unauthorized use has been performed is transmitted to the email address of the user stored in the Web service information storage unit 162 (S819). By receiving this e-mail, the user can know that the credit card has been illegally used.

  The terminal device receives the result from the host computer 161 and determines whether or not the product can be purchased (S705). If the product can be purchased, the credit card number, the expiration date, the purchase amount of the product, the number of payments, the date, and the approval number received from the host computer 161 are printed on the receipt and released (S722). The clerk confirms that the product can be purchased with a receipt, and then gives the receipt to the user. The user signs the receipt and gives it to the clerk. The store clerk verifies the signature of the credit card and the signature of the receipt (S723). If they match, the merchandise / credit card and the receipt are handed over to the user, and the purchase process ends.

  On the other hand, if the purchase cannot be made in S705, an error message is displayed on the terminal device according to the error code. When the card is invalid (S706), a “card invalid error” is informed to the store clerk (S713), and when the available transaction period is out of the range (S707), an “out of transaction period error” is instructed (S714). If the number of transactions has exceeded (S707), a “transaction count excess error” is guided (S715). If the service area is outside the service area (S709), the user is informed of an “out-of-use area error” (S716). Further, when the maximum usage amount for one time is exceeded (S710), a “maximum usage amount error” is guided (S717). When the usage amount exceeds (S711), “Usage amount excess error” is displayed (S718), and when the product cannot be purchased (S712), “Purchasable product error” is displayed (S719). Thereafter, the terminal device prints on the receipt the reason why the payment transaction is not possible (S721) and releases it. The store clerk grasps the cause of the error by looking at the screen or receipt of the terminal device, explains the fact to the user, and returns the card.

  Next, a case where a user purchases a product at a member company of another credit company will be described. In some cases, the partner credit card company does not have a function for the user to restrict the function of the credit card. Here, a case where a user purchases a product at a member store of the credit card company B will be described as an example. In this case, another example (FIG. 29) of the product information storage unit is used. In the following, although it is almost the same as the case of using its own member store, the differences will be mainly described. The user hands over the merchandise and credit card to the clerk at the member store and tells the number of payments. The store clerk causes the terminal device 166 to read the credit card and inputs the number of payments and the amount of money. The terminal device is connected to the host computer 165 via the telephone line 167. The host computer 165 detects the use of another credit card company from the credit card number and transfers the data to the host computer 161.

  The operation of the host computer 161 is almost the same as that described with reference to FIG. 28, but the operation of S801 is different. In the case of a transaction by a partner card company, the transaction message is received from the partner company interface unit 177. In this case, the host computer 161 receives the company code of the credit card company B in addition to the user's credit card number, expiration date, payment method, usage amount, and the like. The host computer 161 accesses the affiliated company storage unit 178, performs a search using the company code of the affiliated company as a key, and obtains the region code of the member store used by the user. In step S805, it is determined using this area code whether the area is usable by the user.

  In addition, for the product to be used, whether or not the product can be purchased is determined using another example of the product information storage unit as shown in FIG. The store name / product name transmitted from the terminal device transmitted from the member store 166 is searched for the product name. For example, when a store name / product name is transmitted from the terminal device as “Akebono Super Shokyou Hin”, the product code 1001 is included because it includes the word “Shokuyo”. Note that the word enclosed in quotation marks in the product name in FIG. 29 is recognized as having purchased the product when all the words enclosed in quotation marks are included in the store name / product name.

  The operation of the terminal device 166 at the partner company is almost the same as that described with reference to FIG. 27, but the operation when the transaction is disabled in S705 is different. In the case of affiliated company member stores, the user does not have the function of restricting the card function as in the company, so an error message as shown in S713 to S719 is displayed by an error code as shown in S706 to S712. I can't do that. Therefore, a message such as “This card cannot be handled” is displayed and the receipt is discharged. If the partner company has a function of restricting the card function by the user in the same way as the company, the processes shown in S713 to S719 can be performed. Further, when a message from the credit card company can be printed on the receipt, the error messages of S713 to S719 may be transmitted to the terminal device 166 and printed.

  By configuring in this way, even when the user only has the function of restricting the function of the card, the use of the credit card user at the affiliated company's member store can be restricted. If another example of the merchandise information storage unit in FIG. 29 is used even in its own member store, the user can limit the function of the card only by modifying the host computer 161 without modifying the terminal device.

  This embodiment is an embodiment, and various modifications can be considered. For example, in this embodiment, the user changes the function of the card using the home PC 6, but the card function may be changed using the mobile phone 7. In this case, the function of the card is normally disabled, and the user validates the card using the mobile phone 7 immediately before purchasing the product at the member store. Then, after purchasing the product, the cellular phone 7 can be used again to disable the card function.

  Further, in this embodiment, the region code transmitted from the terminal device or the company code of the affiliated credit card company is described to determine the region of the member store where the user purchases the product, but the terminal device is connected. Other means for identifying the terminal device such as the telephone number of the telephone line and the IP address / host name assigned to the terminal device may be used.

  Further, in the present embodiment, it is described that the validity / invalidity of the credit card can be designated, but the validity / invalidity may be designated individually for shopping and cashing. If the secret code is known to others, there is a possibility that a large amount of cashing may be performed, so it is safe to disable only caching.

  In the present embodiment, the region where the user's credit card can be used is specified. However, the region where the user cannot use the credit card may be specified. In this case, the user is made to select an area that cannot be used, and the area determination in S805 of FIG. 28 is reversed.

  Further, instead of selecting a region where the user's credit card can be used, a usable currency may be designated. In this case, the customer information storage unit 171 stores a currency that can be used in place of the card-usable region, and in S805 of FIG. 28, whether or not the currency to be withdrawn is a currency that can be used. Is determined. By configuring in this way, even if the host computer 161 cannot grasp the area where the automatic transaction apparatus is installed, the currency and the area where the currency is used are related. Use area can be limited. Particularly in the case of credit cards, the percentage of cards that can be used internationally is high, so the risk of being used overseas is high. Therefore, a person who always lives in the country may be set to use only “yen”.

  In this embodiment, the credit card is described, but it may be a case of debit payment in which a product is paid using a cash card. In this case, the host computer 161 corresponds to a host computer installed in the business center of a financial institution, and the bank number, branch number, account item, account number, usage amount, and product name of the user are transferred from the terminal device to the host computer 161. Sent.

Diagram explaining the configuration of this system Diagram explaining functions of host computer The figure explaining the storage contents of the host computer Illustration explaining the login screen Diagram explaining the menu screen Diagram explaining the card function change / confirmation screen Diagram explaining the card function change screen Figure explaining the card function change confirmation screen Diagram explaining the flow of payment transactions in an automatic transaction device Diagram explaining the flow of payment transactions on the host computer The figure explaining the transaction selection screen of an automatic transaction device The figure explaining the personal identification input screen of the automatic transaction apparatus The figure explaining the amount input screen of the automatic transaction apparatus The figure explaining the screen which cannot handle automatic transaction equipment The figure explaining the memory content of a regional information storage part The figure explaining the structure of the system of Example 2. Diagram explaining functions of host computer A figure explaining the memory contents of the affiliated company storage The figure explaining the memory content of a merchandise information storage part The figure explaining the memory content of a customer information storage part Diagram explaining the login screen Diagram explaining the menu screen Diagram explaining the card function change / confirmation screen Diagram explaining the card function change screen Diagram explaining the change screen for unavailable products Figure explaining the card function change confirmation screen The figure explaining the flow of the payment process in a terminal device Diagram explaining the flow of payment transactions on the host computer The figure explaining another example of the memory content of a merchandise information storage part The figure explaining the conventional example

Explanation of symbols

1 Host Computer 2 Automatic Transaction Device 3 Automatic Transaction Device 4 Dedicated Line 5 Internet 6 PC
7 Mobile phone 21 Account storage unit 22 Web service information storage unit 23 Account system processing unit 24 Web service storage unit 28 Regional information storage unit 161 Host computer 162 Terminal device 163 Terminal device 164 Telephone line 165 Partner company host computer 166 Terminal device 167 Telephone line 171 Customer information storage unit 172 Web service information storage unit 173 Customer information processing unit 174 Web service processing unit 178 Regional information storage unit 179 Product information storage unit

Claims (5)

In a transaction system in which an operator has an authentication medium and a transaction device reads the authentication medium at the time of transaction and performs a transaction,
An operator information storage unit for storing at least first identification information for specifying the authentication medium and area limitation information for limiting an area where transactions can be performed using the authentication medium in the transaction system;
A transaction feasibility judging unit for judging whether the transaction is possible from a place where the first identification information, the area limited information, and the transaction device are installed;
When the transaction device performs a transaction, the transaction device reads the second identification information from the authentication medium and transmits the second identification information to the availability determination unit.
The transaction availability determination unit searches the first identification information in the operator information storage unit using the second identification information, extracts the corresponding region-limited information, and determines transaction availability.
The said transaction apparatus performs transaction, when the determination result of the said transaction permission determination part is transaction possible, The transaction system characterized by the above-mentioned. The transaction system according to claim 1,
The transaction system is characterized in that the transaction availability determination unit determines a transaction availability by determining a place where the transaction device is installed according to a type of currency handled by the transaction device. In the transaction device that reads the authentication medium held by the operator during the transaction and performs the transaction,
The transaction device reads identification information for identifying the authentication medium at the time of transaction and transmits it to the host device,
The transaction apparatus receives a result of determining whether or not the transaction is possible from the area limitation information for limiting the area where the operator can perform transactions corresponding to the identification information stored in the host apparatus and the location information of the transaction apparatus. And
A transaction apparatus for executing a transaction when the reception result is transaction possible. In a payment system in which an operator has an authentication medium and an authentication device reads and makes a payment when the product is purchased,
An operator information storage unit that stores at least first identification information for specifying the authentication medium and product limitation information for limiting products that can be settled using the authentication medium in the payment system;
The first identification information, the product limitation information, and a settlement permission determination unit that determines whether payment is possible from a product for which the operator performs payment;
When the authentication device makes a payment, it reads the second identification information from the authentication medium and transmits it to the payment permission determination unit,
The settlement possibility determination unit searches the first identification information in the operator information storage unit using the second identification information, extracts corresponding product limitation information, and determines whether settlement is possible,
The said authentication apparatus performs payment, when the determination result of the said payment possible / impossible determination part is payment possible. The payment system according to claim 4, wherein
A product information storage unit for storing the correspondence between the product code and the store name or product name is provided,
The product limitation information includes a product code that limits a product that can be settled,
When the authentication device performs payment, the authentication device transmits a store name or a product name together with the second identification information to the payment permission determination unit,
The settlement system is characterized in that the settlement availability determination unit searches the product information storage unit using the store name or the product name, extracts a corresponding product code, and identifies a product to be settled.

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