JP2009258799A - Server device for information processing center, server device for financial institute, settlement processing method for debit settlement system and transaction processing method in atm system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To appropriately and efficiently restrict the use of a card with a loan function. <P>SOLUTION: A card loan upper limit amount table 113a in which the classification of a debit card is made to correspond to the upper limit amount of card loan is stored in an information processing center server 110, and when debit settlement request is made from a debit slave unit 60, a debit settlement request is made to a bank server X by defining an amount calculated by adding a card loan upper limit amount to the settlement request amount of the debit settlement as a new settlement request amount. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a server device of an information processing center, a server device of a financial institution, a settlement processing method of a debit settlement system, and a transaction of an ATM (Automatic Teller Machine) system capable of appropriately and efficiently restricting the use of a card with a borrowing function. It relates to the processing method.

  Conventionally, a card system that allows a prepaid card to be purchased using a bank card called a debit card is often introduced in a game store such as a pachinko store. Here, since there is a problem from the viewpoint of preventing entrapment of games if the use of the debit card is allowed without limitation, a conventional technique for limiting the use of the debit card is known.

  For example, in Patent Document 1, a usage restriction condition that can be settled within a certain period of time with a debit card is set in advance, and debit payment is permitted if the usage restriction condition is satisfied, and the usage restriction condition is not satisfied. In some cases, a technique for rejecting debit payment is disclosed. Specifically, the use limit conditions such as a usage upper limit amount, a limit number of times, a maximum amount per use and a lower limit amount for a certain period unit (for example, one day unit) are exemplified. Therefore, according to this Patent Document 1, even if the deposit balance of the designated account exceeds the debit settlement amount, debit usage of the deposit balance is prohibited, thereby preventing excessive entrapment in the game by the player. be able to.

  However, in Patent Document 1, the case where the deposit balance is less than the minimum debit settlement is not subject to usage restrictions. For example, if the deposit balance is 100 yen and the minimum purchase amount of the prepaid card is 1000 yen, the prepaid card cannot be purchased with this deposit balance, so it is not subject to usage restrictions.

  Originally, even if the case where the deposit balance is less than the minimum debit settlement amount is excluded as in Patent Document 1, no problem occurs, but with a borrowing function that can borrow an amount within a certain set amount range. In the case of a debit card, the prepaid card can be purchased by debit payment while making the deposit balance negative, so this Patent Document 1 cannot cope with it.

  In view of the above, Patent Document 2 filed by the present applicant states that the debit card used for debit payment is borrowed when a debit payment balance inquiry is made to the financial institution from the debit slave. In the case of a debit card with a function, a debit card system configured so as not to allow debit payment is disclosed.

JP 2002-000889 A Japanese Patent Application No. 2008-086677

  However, as in the above-mentioned Patent Document 2, if the debit payment is uniformly rejected only because the debit card has a borrowing function, the player who has a sufficient deposit balance in the designated account is treated disadvantageously. Therefore, it cannot be said that the amusement store provides an appropriate debit payment service. Although such a borrowing function is a function provided by a bank as a special service provided to a specific member, it is not desirable to simply reject the debit settlement on the basis of having such a borrowing function.

  In this way, simply prohibiting the use of a debit card with a borrowing function not only inconveniences the player, but also results in a loss of sales at the game store and a loss of fee income at the financial institution.

  From the above, it is an important issue how to properly and efficiently implement usage restrictions at the time of debit payment by a debit card with a borrowing function. Note that this issue applies not only to purchasing prepaid cards directly using a debit slave attached to the card issuing machine, but also to obtaining cash using ATMs installed in the amusement store. It is a problem that arises.

  The present invention has been made in order to solve the above-described problems (problems) of the prior art, and is capable of appropriately and efficiently restricting the use of a card with a borrowing function. It is an object of the present invention to provide a server apparatus, a debit payment system payment processing method, and an ATM system transaction processing method.

  In order to solve the above-described problems and achieve the object, the present invention accepts a debit payment request from a terminal device disposed in an amusement store, and responds to the received debit payment request with a server of a predetermined financial institution. A server apparatus of an information processing center that makes a debit payment request to the apparatus, and a payment request amount conversion unit that converts a payment request amount included in the debit payment request according to debit card identification information included in the debit payment request; And payment processing means for making a debit payment request including the converted payment request amount converted by the payment request amount conversion means to the server device of the financial institution.

  The present invention further includes a borrowing limit table in which the borrowing limit amount automatically borrowed when the account balance of the financial institution is exhausted and the debit card identification information are associated with each other, and the settlement request amount conversion When the debit card identification information included in the debit payment request is already registered in the borrowing limit table, the means uses the borrowing limit registered in the borrowing limit table as a settlement request included in the debit payment request. The amount added to the amount is used as a new settlement request amount.

  Further, the present invention is a server device of a financial institution that receives a transaction request from an ATM terminal device disposed in an amusement store and performs transaction processing in response to the received transaction request, and is included in the transaction request Transaction request amount conversion means for converting a transaction request amount included in the transaction request according to card identification information, and transaction processing means for performing transaction processing of the converted transaction request amount converted by the transaction request amount conversion means, It is provided with.

  The present invention further includes a borrowing limit table in which the borrowing limit amount automatically borrowed when the account balance of the financial institution is exhausted and the card identification information are associated with each other, and the transaction request amount converting means When the card identification information included in the transaction request has been registered in the borrowing limit table, the borrowing limit registered in the borrowing limit table is added to the transaction request amount included in the transaction request. The amount is a new transaction request amount.

  According to the present invention, the server device of the information processing center accepts a debit payment request from a terminal device installed in the amusement shop, and in response to the received debit payment request, the server device of a predetermined financial institution requests the debit payment. A debit payment request method for performing a debit payment request including a debit card identification information and a payment request amount with respect to a server device of the information processing center; A payment request amount conversion step in which a server device of the information processing center converts a payment request amount included in the debit payment request according to debit card identification information included in the debit payment request; and a server device of the information processing center. The debit payment request including the converted payment request amount converted by the payment request amount conversion step is sent to the financial institution Characterized in that including a settlement process to be performed on the server device.

  The present invention also relates to a transaction processing method for an ATM system that receives a transaction request from an ATM terminal device installed in an amusement store, and a server device of a financial institution performs transaction processing in response to the received transaction request. A transaction request step in which the ATM terminal device makes a transaction request including card identification information and a transaction request amount to the server device of the financial institution, and a card identification in which the server device of the financial institution is included in the transaction request. Transaction request amount conversion step for converting a transaction request amount included in the transaction request according to information, and transaction processing of the converted transaction request amount converted by the transaction request amount conversion step by the server device of the financial institution And a transaction processing step of performing

  According to the present invention, the payment request amount included in the debit payment request is converted according to the debit card identification information included in the debit payment request, and the debit payment request including the converted payment request amount is sent to the server device of the financial institution. Because it is possible to convert the payment request amount according to the type of debit card, it is handled differently in the case of a debit card with a borrowing function and in the case of a normal debit card. If an appropriate account balance exists, a debit card with a borrowing function can be used.

  In addition, according to the present invention, a debit card included in a debit payment request is provided by providing a debit card identification table in which a debit card identification information is associated with a debit card identification information automatically borrowed when the account balance of a financial institution is exhausted. When the identification information has already been registered in the borrowing limit table, the amount obtained by adding the borrowing limit registered in the borrowing limit table to the settlement request included in the debit settlement request is set as the new settlement request amount. Since the debit card with a borrowing function has been configured, only when there is an account balance equal to or greater than the sum of the borrowing limit and the settlement request amount by requesting settlement with the borrowing limit amount added to the settlement request amount. It can be handled as being settled.

  According to the present invention, the transaction request amount included in the transaction request is converted according to the card identification information included in the transaction request, and the transaction processing of the converted transaction request amount is performed. Since it is possible to convert the transaction request amount according to the type, the card with the borrowing function is treated differently from the case of the card with the borrowing function and the card with the borrowing function when there is an appropriate account balance. Can be used in an ATM terminal device in an amusement store, and ATM can be used in a pachinko store while preventing intrusion.

  In addition, according to the present invention, there is provided a borrowing limit table in which a borrowing limit amount automatically borrowed when the account balance of a financial institution is exhausted and card identification information is associated, and the card identification information included in the transaction request is When it has been registered in the borrowing limit table, the amount added to the transaction request included in the transaction request is added to the borrowing limit registered in the borrowing limit table as the new transaction request. A card with a borrowing function will be treated as a transaction only when there is an account balance equal to or greater than the sum of the borrowing limit and the transaction request amount by requesting the transaction with the borrowing limit added to the transaction request amount. Is possible.

  According to the present invention, the terminal device makes a debit payment request including the debit card identification information and the payment request amount to the server device of the information processing center, and the server device of the information processing center is included in the debit payment request. In accordance with the debit card identification information, the payment request amount included in the debit payment request is converted, and the debit payment request including the converted payment request amount is made to the server device of the financial institution. Because it is possible to convert the settlement request amount according to the type of credit card, it is handled differently for a debit card with a borrowing function and for a normal debit card, and if an appropriate account balance exists, borrowing A functional debit card can be made available.

  According to the present invention, the ATM terminal device makes a transaction request including the card identification information and the transaction request amount to the financial institution server device, and the financial institution server device includes the card identification information included in the transaction request. The transaction request amount included in the transaction request is converted according to the transaction, and the transaction processing of the converted transaction request amount is performed. Therefore, when there is an appropriate account balance, the card with the borrowing function can be used in the ATM terminal device in the game store, and the ATM can be used in the game store while preventing the insertion.

  Exemplary embodiments of a server device of an information processing center, a server device of a financial institution, a payment processing method of a debit payment system, and a transaction processing method of an ATM system according to the present invention will be described in detail with reference to the accompanying drawings. . The first embodiment shown below shows a case where the present invention is applied to a debit payment system, and the second embodiment shows a case where the present invention is applied to an ATM system.

  First, the system configuration of the debit payment system according to the first embodiment will be described. FIG. 1 is a block diagram illustrating a system configuration of the debit settlement system according to the first embodiment. Below, after demonstrating the apparatus structure in the pachinko parlors A to C first, suppose that each structure part which forms a debit payment system is demonstrated.

  As shown in FIG. 1, in the pachinko parlor A, a prepaid card T / C 10, an island controller 20, a CR unit 30, a pachinko machine 40, a card issuing machine 50, and a debit slave machine 60 are arranged. Here, for convenience of explanation, only the configuration of the pachinko shop A is shown, but the pachinko shops B and C have the same configuration.

  The prepaid card T / C 10 is a management device that manages the remaining number of prepaid cards, and the island controller 20 is a relay device provided for each island. The CR unit 30 is a card processing unit that makes an inquiry about the remaining number of prepaid cards to the prepaid card T / C10, a frequency addition request by additional payment, and a frequency subtraction request by ball lending. The pachinko machine 40 This is a so-called CR pachinko machine that launches in a game area and allows a player to play a pachinko game.

  The card issuing machine 50 is a device that issues a prepaid card with a value corresponding to the amount of money received. Specifically, a player inserts a bill into the bill insertion slot of the card issuing machine 50 and presses the amount button. When operated, a prepaid card with a value corresponding to the amount of money is issued. With the issuance of such a prepaid card, the card ID and the remaining number of the prepaid card are managed by the prepaid card T / C10. The card issuing machine 50 can not only newly issue a prepaid card but also value the frequency for the inserted membership card.

  The debit slave device 60 is a terminal device used when debit payment is performed, and is provided in the card issuing device 50. The reason why such a debit child device 60 is provided is to allow a player to purchase a prepaid card using an account balance of a bank account instead of cash. When a player inserts a debit card into the card insertion slot of the debit handset 60 and inputs a personal identification number and a settlement request amount, the debit handset 60 sends information to the information processing center server 110 via the public network 100. A payment request is made, and after the debit payment is completed, it is possible to issue a prepaid card from the card issuing machine 50 with a value corresponding to the amount required for the payment requested. As described above, the debit slave unit 60 is disposed in the pachinko store A. Similarly, the debit slave units 60 are also disposed in the pachinko stores B and C, and a prepaid card using a debit card is used. Can be purchased.

  Next, a system configuration of a debit settlement system including the debit slave unit 60 will be described. As shown in FIG. 1, a debit slave unit 60 is connected to an information processing center server 110 via a public network 100, and this information processing center server 110 includes a CAFIS (Credit and Finance Information System) network 120 and connected to bank servers X and Y. The bank server X is a server device of a debit card issuing bank, and the bank server Y is a server device of a member store bank.

  The information processing center server 110 is a server device provided in the information processing center that accepts a debit payment request from the debit slave device 60. In principle, the information processing center server 110 notifies the bank server X of the debit payment request as it is. However, in order to prevent the player from being excessively involved in the pachinko game, in the case of a debit payment request from the debit handset 60 installed in the pachinko store, the payment within a predetermined period including the amount of the debit payment request When the total amount exceeds the predetermined amount of cash, the debit settlement request is rejected without notifying the bank server X of the debit settlement request. Whether or not the debit handset 60 that has issued the debit payment request is installed in the pachinko store is determined based on information registered when the debit handset 60 is installed.

  If the bank server X receives the debit payment request from the information processing center server 110, the bank server X checks whether or not the debit payment request amount can be deducted from the player's account, and if the account balance is insufficient. Notifies the information processing center server 110 that “settlement is not possible”. On the other hand, if the payment request amount can be withdrawn from the player's account, the payment request amount of the player's account balance is withdrawn. This amount is transferred to a pachinko store account of the bank server Y through a predetermined process. Note that a fee may be transferred to an information processing center account as necessary.

  By using the debit payment system having the above-described configuration, a debit payment request is sent from the debit slave 60 to the bank server X via the information processing center server 110. It is possible to transfer money to an account of a pachinko parlor.

  Here, the first embodiment is characterized in that even if the debit card is “with a borrowing function (card loan)”, the debit settlement can be carried out smoothly and appropriately. The “borrowing function (card loan)” referred to here is one that can be automatically borrowed from a financial institution up to the upper limit of a card loan (for example, 100,000 yen) even if the account balance becomes negative.

  Conventionally, since it is not desirable from the viewpoint of “prevention of encroachment” to allow payment for a card loan at a pachinko parlor, such a debit card with a card loan has been excluded from the debit payment processing. However, even with a debit card with a card loan, if there is enough account balance, there is no point in distinguishing it from a normal debit card. Will be handled. Looking at the current situation, since debit cards with card loans are becoming widespread, the first embodiment aims to enable the use of this debit card with card loans for proper debit payment. .

  In order to achieve the above object, in the first embodiment, the information processing center server 110 stores a card loan upper limit table 113a in which a debit card type and a card loan upper limit are associated with each other. When a settlement request is made, a debit settlement request is made to the bank server X as a new settlement request amount by adding the card loan upper limit amount to the debit settlement settlement request amount.

  By doing this, debit payment is not allowed unless there is at least an account balance equal to or greater than the "settlement request amount + card loan upper limit". Therefore, debit payment with a negative account balance is prohibited and the game is excessively absorbed. If the account balance is positive, the player can use a debit card with a card loan in the same way as a normal debit card, which can greatly improve the convenience. .

  Next, the configuration of the information processing center server 110 shown in FIG. 1 will be described. FIG. 2 is a functional block diagram showing the configuration of the information processing center server 110 shown in FIG. As shown in the figure, the information processing center server 110 includes an interface unit 111, an interface unit 112, a storage unit 113, and a control unit 114.

  The interface unit 111 is an interface for performing data communication with the debit slave unit 60 via the public line network 100, and the interface unit 112 is an interface for performing data communication with the bank server X via the CAFIS network 120. is there.

  The storage unit 113 is a storage device composed of a hard disk device, a non-volatile memory, or the like, and stores a card loan upper limit table 113a, a usage limit setting table 113b, and a usage record table 113c.

  The card loan upper limit table 113a is a table that stores the card loan upper limit for each type of debit card. FIG. 3 is a diagram showing an example of the card loan upper limit table 113a shown in FIG. 2, and shows a case where the financial institution code, the card type code, and the card loan upper limit are stored in association with each other. In this example, the debit card with the card type code “123” issued by the bank with the financial institution code “10005” is a debit card with a card loan, and the upper limit of the card loan is 200,000 yen.

  Similarly, the debit card with the card type code “223” issued by the bank has a maximum card loan amount of 300,000 yen, and the debit with the card type code “210” issued by the bank with the financial institution code “10012”. This shows a case where the card loan upper limit of the card is 100,000 yen and the card loan upper limit of the debit card of the card type code “211” issued by the bank is 200,000 yen.

  The use restriction setting table 113b is a table that stores the use restriction amount for a predetermined period (for example, one day). FIG. 4 is a diagram showing an example of the usage restriction setting table 113b shown in FIG. 2, and shows a case where the usage upper limit amount is stored for each card type code. Situation where the debit card with the card type code “123” has a daily usage limit of “10000 yen” and the debit card with the card type code of “223” has a daily usage limit of “30000 yen”. Is shown.

  The usage record table 113c is a table that stores the accumulated payment amount for each debit card during a predetermined period (for example, one day). FIG. 5 is a diagram showing an example of the usage record table 113c shown in FIG. 2, and shows a case where the accumulated settlement amount and the number of uses are stored for each account number of the debit card. The accumulated payment amount per day for the account number “123-45678900” is “5000 yen”, the usage count is “one time”, and the accumulated settlement amount for the account number “223-45698711” is “15000 yen” per day. This shows a situation where the number of uses is “twice”. Note that, here, it is not assumed that the number of uses of the debit card is limited, but it is also possible to configure the use limit setting table 113b by providing a use count item to limit the use count.

  The control unit 114 is a control unit that performs overall control of the information processing center server 110, and includes a settlement processing unit 114a, a settlement request amount conversion unit 114b, and a usage restriction determination unit 114c. The settlement processing unit 114a is a processing unit that performs various processes related to debit settlement. When a debit settlement request is received from the debit slave unit 60, the settlement processing unit 114a debits the bank server X of the debit card included in the debit settlement request. Make a payment request. However, when this debit card is a debit card with a card loan registered in the card loan upper limit table 113a, a debit payment request including the payment request amount converted by the payment request amount conversion unit 114b is made. . Further, when it is determined by the usage restriction determination unit 114c that the usage restriction is to be made, the debit settlement request to the bank server X is not performed.

  When the debit card included in the debit payment request is registered in the card loan upper limit table 113a, the payment request amount conversion unit 114b extracts the card loan upper limit corresponding to the debit card from the card loan upper limit table 113a. The conversion processing unit uses the amount obtained by adding the extracted card loan upper limit amount to the settlement request amount as a new settlement request amount. The reason for converting the payment request amount is that debit cards with card loans are not allowed to be debited when there is a possibility that the account balance may be negative, preventing excessive penetration into pachinko games. Because.

  The usage restriction determination unit 114c is a processing unit that determines whether or not the debit payment request is subject to usage restriction. When the usage restriction is subject to usage restriction, the debit payment to the bank server X by the payment processing unit 114a. No request is made. Specifically, it is determined whether or not an amount obtained by adding the current settlement request amount to the accumulated settlement amount in the use record table 113c is equal to or less than the use upper limit amount in the use restriction setting table 113b.

  Next, a series of processing procedures from the debit settlement request to the issuance of the prepaid card by the debit slave device 60 shown in FIG. 1 will be described. FIG. 6 is a flowchart showing a series of processing procedures from the debit settlement request to the issuance of the prepaid card by the debit slave device 60 shown in FIG.

  As shown in the figure, the debit slave device 60 reads the card information of the debit card received from the predetermined card insertion slot (step S101), accepts the settlement request amount (step S102), and starts settlement such as input of a personal identification number. If the operation is accepted (step S103), a debit payment request including the debit card account number and the payment request amount is made to the information processing center server 110 (step S104). Although a detailed description thereof is omitted here, such a debit settlement request includes a password, and an authentication process using the password is performed.

  The information processing center server 110 that has received this debit payment request reads the accumulated payment amount corresponding to the account number from the usage record table 113c (step S105), and the usage upper limit amount corresponding to the card type from the usage restriction setting table 113b. Reading (step S106), it is checked whether or not the sum of the accumulated settlement amount and the current settlement request amount (cumulative settlement amount + settlement request amount) is equal to or less than the upper limit amount of use (step S107). As a result, when the usage upper limit amount is exceeded (No in step S107), a settlement impossible notification is sent to the debit slave unit 60 (step S108), and the settlement impossibility is displayed on the display unit of the debit slave unit 60 (step S108). S109).

  On the other hand, if the sum of the accumulated settlement amount and the settlement request amount is equal to or less than the use upper limit amount (Yes at Step S107), it is determined whether or not the debit card has a card loan (Step S110). If the loan is attached (Yes at Step S110), the settlement request amount is converted (Step S111). If the loan is not attached (No at Step S110), the process proceeds to Step S112.

  Specifically, the information processing center server 110 checks whether or not the card type of the debit card that has received the debit payment request is registered in the card loan upper limit table 113a. It will be determined that it is attached. In addition, regarding the conversion of the payment request amount, an amount obtained by adding the card loan upper limit amount to the payment request amount included in the debit payment request is used as a new debit request amount.

  Thereafter, the information processing center server 110 makes a debit payment request to the bank server X (step S112), the bank server X executes the debit payment (step S113), and the debit payment result is sent to the information processing center server 110. Notification is made (step S114). This debit settlement request includes a confirmation amount for confirming whether settlement is possible and a settlement amount for actual settlement when settlement is possible. When the settlement request amount is not changed, the confirmation amount and the settlement amount are the same settlement request amount. On the other hand, when the payment request amount is changed, the changed payment request amount is set as the confirmation amount, and the original payment request amount is set as the payment amount. Then, the bank server X confirms whether or not the confirmation amount can be deducted from the account of the player. If the debit payment cannot be debited, the bank server X transmits a debit settlement result indicating “payment impossible” to the information processing center server 110, If it can be reduced, a debit settlement result indicating “settlement OK” is transmitted to the information processing center server 110 and the settlement amount is deducted.

  Then, the information processing center server 110 checks whether or not the debit payment result received from the bank server X is “settlement OK” (step S115), and if the debit payment result is “settlement impossible” ( In step S115, no settlement is notified to the debit slave unit 60 (step S116), and the settlement impossibility is displayed on the display unit of the debit slave unit 60 (step S117).

  On the other hand, if the debit settlement result is “settlement OK” (Yes at step S115), after updating the accumulated settlement amount and the number of times of use in the usage record table 113c (step S118), the debit settlement to the debit slave unit 60 is performed. Completion notification is made (step S119), and the debit slave device 60 that has received this notification returns the debit card (step S120) and notifies the card issuer 50 of the payment amount (step S121). Receiving this notification, the card issuing machine 50 issues a prepaid card with a value equivalent to the payment amount (step S122).

  As described above, in the first embodiment, the information processing center server 110 stores the card loan upper limit table 113a in which the debit card type and the card loan upper limit are associated with each other, and the debit slave device 60 receives the debit settlement. When the request is made, the bank server X is configured to request the debit payment as a new payment request amount by adding the card loan upper limit amount to the payment request amount of the debit payment. Debit settlement is not allowed unless there is an account balance equal to or greater than the `` Loan limit amount '', so if the account balance is positive while prohibiting debit settlement with negative account balance and preventing excessive deduction to the game , Players will be able to use debit cards with card loans in the same way as ordinary debit cards. It is possible to greatly improve.

  In the first embodiment, the debit slave unit 60 and the card issuing unit 50 are shown as separate units. However, the present invention is not limited to this, and a debit-compatible card issuing unit that integrates both. It can also be applied to a debit card issuing machine that does not have a money handling function.

  In the first embodiment, the present invention is applied to a debit payment system. However, the present invention may be applied to a case where an ATM terminal (hereinafter referred to as “pachinko ATM”) is installed in a pachinko store. it can. Therefore, in the second embodiment, a case where the pachinko ATM 200 is provided in the pachinko parlor A will be shown.

  FIG. 7 is a diagram illustrating a system configuration of the debit settlement system according to the second embodiment. As shown in the figure, a pachinko ATM 200 is provided in the pachinko parlor A separately from the debit payment system, and the pachinko ATM 200 is connected to the bank server X.

  In other words, this pachinko ATM 200 is a bank terminal similar to an ATM terminal disposed in a bank or convenience store, and when the bank card is inserted and the PIN number and the transaction amount are entered, the transaction amount of cash is paid. It is a device to issue.

  Here, the pachinko ATM 200 is a device arranged in a pachinko store unlike a normal ATM, and therefore should not promote excessive immersion in the pachinko game. In particular, since many cash cards (debit cards) issued by financial institutions have a card loan as described above, it is necessary to prevent a situation in which a player borrows up to the maximum card loan amount.

  For this reason, in the bank server X according to the second embodiment, when a transaction request (withdrawal request from the account balance) is received from the pachinko ATM 200, it is possible to perform a transaction for an amount obtained by adding the card loan upper limit amount to the transaction request amount. It is determined whether or not the transaction request is the original transaction request amount only when such a transaction is possible. Therefore, the bank server X is provided with processing units corresponding to the card loan upper limit table 113a and the settlement request amount conversion unit 114b shown in FIG.

  In addition, in this pachinko ATM 200, a transaction upper limit amount that can be used for a predetermined period (for example, one day) is set, and transactions can be performed only when the accumulated transaction amount is within the transaction upper limit amount. We are trying to prevent infiltration. Therefore, the bank server X is provided with processing units corresponding to the use restriction setting table 113b, the use result table 113c, and the use restriction determination unit 114c shown in FIG.

  Next, a transaction processing procedure between the pachinko ATM 200 and the bank server X shown in FIG. 7 will be described. FIG. 8 is a flowchart showing a transaction processing procedure between the pachinko ATM 200 and the bank server X. As shown in the figure, the pachinko ATM 200 reads the card information of the cash card inserted into the predetermined card insertion slot (step S201), accepts the transaction request amount (withdrawal amount) (step S202), and inputs the password. If a transaction start operation such as the above is accepted (step S203), a transaction request including the account number and the transaction amount is made to the bank server X (step S204).

  Receiving this transaction request, the bank server X reads the accumulated transaction amount corresponding to the account number from the utilization result table 113c (step S205), and reads the utilization upper limit amount from the utilization restriction setting table 113b (step S206). It is determined whether or not the amount obtained by adding the current transaction request amount to the amount is equal to or less than the usage upper limit amount (step S207). As a result, when the usage upper limit is exceeded (No at Step S207), a transaction impossible notice is sent to the pachinko ATM 200 (Step S208). When the pachinko ATM 200 receives a transaction impossible notice (Yes at step S213), the fact is displayed and the cash card is returned (step S214).

  On the other hand, if it is equal to or less than the upper limit of use amount (Yes at Step S207), it is determined whether or not the cash card has a card loan (Step S209), and if it has a card loan (Step S209). (Yes), the transaction request amount is converted (step S210), and if the card loan is not attached (No at step S209), the process proceeds to step S211 as it is.

  Specifically, the bank server X confirms whether or not the card type of the cash card that has received the transaction request is registered in the card loan upper limit table 113a. It will be determined. Regarding the conversion of the transaction request amount, a new transaction request amount is obtained by adding the card loan upper limit to the transaction request amount included in the transaction request.

  Thereafter, the bank server X determines whether or not the transaction of the requested transaction amount is possible (step S211). If the transaction is not possible (No at step S211), the bank server X notifies the pachinko ATM 200 that the transaction is not possible ( Step S212). Specifically, the bank server X confirms whether or not the requested transaction amount can be withdrawn from the account of the player, and determines that the transaction is not possible if it cannot be withdrawn. When the pachinko ATM 200 receives a transaction impossible notice (Yes at step S213), the fact is displayed and the cash card is returned (step S214).

  On the other hand, when the transaction is possible (Yes at Step S211), the transaction processing for deducting the transaction request amount from the account balance is performed (Step S215), and the accumulated transaction amount and the number of times of use in the usage record table 113c are updated. (Step S216), the pachinko ATM 200 is notified of the transaction completion (Step S217). Note that when the transaction request amount is changed, the amount actually withdrawn is not the transaction request amount after the change but the original transaction request amount.

  If the pachinko ATM 200 does not receive the transaction completion notification (No at Step S218), it displays an error on the display unit (Step S219), and if it receives the transaction completion notification (Yes at Step S218), After paying out the transaction amount of money (step S220), a transaction completion display is displayed on the display unit (step S221), and the cash card is returned (step S222).

  As described above, in the second embodiment, the bank server X stores the card loan upper limit table 113a in which the cash card type and the card loan upper limit are associated with each other, and when a transaction request is made from the pachinko ATM 200. In addition, since the transaction processing is performed by adding the card loan upper limit to the transaction request amount as a new transaction request amount, the transaction can be performed unless there is at least an account balance equal to or greater than the “transaction request amount + card loan upper limit”. If the account balance is positive while prohibiting excessive use of the card loan by prohibiting the use of a card loan with a negative account balance because it is not allowed, the player will be a pachinko ATM 200 as usual. However, it becomes possible to use a debit card with a card loan, which can greatly improve the convenience.

  In the first and second embodiments, the case where the present invention is applied to a pachinko game is shown. However, the present invention is not limited to this, and the present invention is also applicable to a case where a pachislot game is targeted. Can do. It can also be applied to game facilities such as game centers.

  As described above, the server device of the information processing center, the server device of the financial institution, the payment processing method of the debit payment system, and the transaction processing method of the ATM system according to the present invention appropriately and efficiently restrict the use of the card with the borrowing function. Suitable for doing.

FIG. 1 is a block diagram illustrating a system configuration of the debit settlement system according to the first embodiment. FIG. 2 is a functional block diagram showing the configuration of the information processing center server shown in FIG. FIG. 3 is a diagram showing an example of the card loan upper limit table shown in FIG. FIG. 4 is a diagram illustrating an example of the use restriction setting table illustrated in FIG. FIG. 5 is a diagram showing an example of the usage record table shown in FIG. FIG. 6 is a flowchart showing a series of processing procedures from a debit settlement request to a prepaid card issuance by the debit slave shown in FIG. FIG. 7 is a diagram illustrating a system configuration of the debit settlement system according to the second embodiment. FIG. 8 is a flowchart showing a transaction processing procedure between the pachinko ATM shown in FIG. 7 and the bank server.

Explanation of symbols

A, B, C Pachinko parlor X, Y Bank server 10 Prepaid card T / C
20 island controller 30 CR unit 40 pachinko machine 50 card issuing machine 60 debit slave machine 100 public line network 110 information processing center server 111 interface unit 112 interface unit 113 storage unit 113a card loan upper limit table 113b usage limit setting table 113c usage result table 114 Control Unit 114a Settlement Processing Unit 114b Settlement Request Amount Conversion Unit 114c Usage Limit Determination Unit 120 CAFIS Network 200 Pachinko ATM

Claims (6)

A server device of an information processing center that accepts a debit payment request from a terminal device disposed in an amusement store and makes a debit payment request to a server device of a predetermined financial in response to the received debit payment request.
Payment request amount conversion means for converting a payment request amount included in the debit payment request according to debit card identification information included in the debit payment request;
A server apparatus for an information processing center, comprising: a settlement processing unit that performs a debit settlement request including the settlement request amount after conversion converted by the settlement request amount conversion unit to the server apparatus of the financial institution. . Further comprising a borrowing limit table associating a borrowing limit amount to be automatically borrowed when the account balance of the financial institution is exhausted and debit card identification information;
When the debit card identification information included in the debit payment request has already been registered in the borrowing limit table, the settlement request amount conversion means uses the debit payment request to register the borrowing limit amount registered in the borrowing limit table. 2. The server apparatus of the information processing center according to claim 1, wherein an amount added to the settlement request amount included in the information is used as a new settlement request amount. A server device of a financial institution that accepts a transaction request from an ATM terminal device installed in an amusement store and performs transaction processing in response to the accepted transaction request,
Transaction request amount conversion means for converting the transaction request amount included in the transaction request according to the card identification information included in the transaction request;
A transaction processing unit that performs transaction processing on the converted transaction request amount converted by the transaction request amount conversion unit. A loan limit table that correlates card identification information with a borrowing limit automatically borrowed when the account balance of the financial institution is exhausted;
The transaction request amount conversion means includes, when the card identification information included in the transaction request has been registered in the borrowing limit table, the borrowing limit registered in the borrowing limit table is included in the transaction request. 4. The server device of a financial institution according to claim 3, wherein an amount added to the transaction request amount is used as a new transaction request amount. A debit payment system in which a server device of an information processing center receives a debit payment request from a terminal device installed in an amusement shop and makes a debit payment request to a server device of a predetermined financial in response to the received debit payment request A payment processing method,
A debit payment request step in which the terminal device makes a debit payment request including debit card identification information and a payment request amount to the server device of the information processing center;
A payment request amount conversion step in which the server device of the information processing center converts the payment request amount included in the debit payment request according to the debit card identification information included in the debit payment request;
The information processing center server device including a settlement processing step of making a debit payment request including the converted settlement request amount converted by the settlement request amount conversion step to the server device of the financial institution. A payment processing method for a debit payment system. A transaction processing method of an ATM system that accepts a transaction request from an ATM terminal device installed in an amusement store, and a server device of a financial institution performs transaction processing in response to the accepted transaction request,
A transaction requesting step in which the ATM terminal device makes a transaction request including card identification information and a transaction request amount to the server device of the financial institution;
A transaction request amount conversion step in which the server device of the financial institution converts a transaction request amount included in the transaction request according to card identification information included in the transaction request;
A transaction processing method for an ATM system, comprising: a transaction processing step in which the server device of the financial institution performs a transaction processing of the converted transaction request amount converted by the transaction request amount conversion step.

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