JP3125111B2 - Trading system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a cash card,
BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for conducting transactions using a credit card, and more particularly to a transaction system capable of conducting a plurality of types of transactions using one transaction medium.

[0002]

2. Description of the Related Art In a conventional transaction system, as shown in FIG.
For example, transaction information necessary for the transaction, such as the user's account number and card type, is stored in magnetic cards (transaction media) 6A and 6B that can be carried by the user. However, magnetic card 6
A and 6B have small storage capacities. When inputting information to a terminal device 3 such as an automatic cash handling device and performing a plurality of types of transactions with a business partner 4 such as a bank via the communication means 4, a plurality of types of magnetic cards are used. -It is necessary to carry the keys 6A and 6B. Therefore, when the storage amount of the transaction information increases, for example, IC
It has been considered to use a storage medium having a large storage capacity such as a card.

In order to enhance the security of a conventional transaction system, for example, there is one disclosed in Japanese Patent Application Laid-Open No. 3-92966. The purpose of this is to realize a complete cashless system, and to realize a compact automatic transaction apparatus and a highly reliable card system.

[0004]

In a conventional transaction system, a magnetic card, which is frequently used in card transactions, has a small storage capacity and a kind of account transaction for one card. I can only do it. For this reason, in order for a user to carry out transactions for many accounts using cards, it is necessary to have a large number of cards, and the user must carry the card when going out, which is a burden. Was sometimes As a countermeasure, a transaction system using a large storage capacity, for example, an IC card has been considered. However, there is a problem that the IC card is expensive. In addition, the problem of unauthorized use of the card by others (theft, forgery, use of a picked-up card, etc.) is increasing, and there is also a problem in terms of security.
With regard to security in particular, it is expected to increase in the future. For example, if a user carries a transaction medium with a large storage capacity such as an IC card and loses it, the amount of stored personal information will be large. This can be a serious problem.

[0005] It is an object of the present invention to provide a transaction system capable of conducting transactions of a plurality of types of accounts with one transaction medium.

[0006]

In order to achieve the above object, a trading system according to the present invention is a trading system for trading with at least one supplier using a trading medium. And store at least one type of transaction information, and conduct transactions based on the stored core transaction information.
A computer that can be connected to the
At least one terminal device accessible via a network , wherein the computer has the terminal device.
ID read from the transaction medium by the device and transmitted
When the code input to the terminal device and transmitted from the terminal device match, the encryption before the transmission from the terminal device
Access to grant access to transaction information corresponding to the serial ID
Access by the access permission means and the access permission means.
For the authorized terminal device, the transmitted ID
To display the transaction information corresponding to,
The transaction information selected through the terminal device is
Means for transmitting to the correspondent computer corresponding to the information;
The configuration is provided with .

[0007] Then , a plurality of client computers and terminals
Terminal device via a network, and
At least one type of transaction information corresponding to the ID sent from
Having a computer that stores
ID transmitted from the terminal device and input to the terminal device
To check the encryption sent from the terminal device.
Matching means and the collating means make the ID and the encryption
When it matches, the ID sent from the terminal device
The terminal device accesses the corresponding transaction information
Permission means for permitting access, and the access permission means
To the terminal device permitted to access by
In order to select the transaction information corresponding to the transmitted ID
Of the transaction selected through the terminal device.
The information to the supplier computer corresponding to the transaction information
And a transmitting unit .

[0008] A plurality of supplier computers and terminal devices,
Connecting means for connecting via a network;
At least one type of transaction corresponding to the ID sent from the device
Storage means for storing information, transmitted from the terminal device;
Is input to the terminal device and transmitted from the terminal device.
Verification means for verifying the received encryption,
When the ID and the encryption match, the terminal device
The transaction information corresponding to the ID transmitted from the
An access permitting hand that permits the terminal device to access.
And access is permitted by the access permitting means.
The terminal device corresponding to the transmitted ID.
Display for selecting transaction information to be performed, the terminal
The transaction information selected through the device is
Equipped with means for sending to the corresponding supplier computer
The above object can also be achieved by a computer.

[0009] Further , the computer as the information storage means may be configured to include means for generating a fee according to the amount of transaction information to be stored.

[0010] The transaction medium may have an information storage unit for temporarily storing the encryption .

[0011]

Further , in the above transaction system,
Trading media is used when you need to deal with each customer
Input unit for inputting transaction information from each terminal device
If may be configured that includes an information storage unit for temporarily storing the transaction information.

[0013]

According to the present invention, a user who intends to make a transaction first stores transaction information (eg, a bank name, a branch name, an account number, etc.) of at least one business partner necessary for the transaction as information storage means. On a computer . When conducting a transaction, a transaction medium (storage medium) such as a card is inserted into the terminal device in order to access the information storage means storing the transaction information. Thereafter, an encryption code such as a password is input from the terminal device. After the input operation of the personal identification number, communication is performed between the terminal device and the information storage means. For example, the ID of the card such as the serial number of the storage medium is collated with the personal identification number inputted by the user. If this matches, the use of the information storage means is permitted by the means for permitting use. If the password is incorrect, the user is required to perform at least one more input operation, and when a predetermined number of times is reached, the card is forcibly taken in and the use of the card is prohibited. If the user's transaction information stored in the information storage means is a plurality of business partners, the user selects from the terminal device which of the business partners needs the transaction information using the terminal device. According to the selected transaction information, information is exchanged between the information storage means and the computer of the business partner who makes the business, and the computer of the business partner communicates with the terminal device used by the user. Communication. Here, the form is the same as that of the conventional transaction using the magnetic card, and the subsequent operations for conducting the transaction are exactly the same as the conventional one. That is, for example, when withdrawing cash, the input of the password of the account and the input of the amount are performed from the terminal device. The ID of the storage medium is written on a storage medium such as a card. However, this may be storage means such as a magnet or a mechanical type such as a key. It may be.

As described above, the user can make transactions with many business partners on one storage medium such as one card. The transaction information of the user actually required for the transaction is not directly stored in the card. Therefore, even if the user loses the card and the card is used by another person, or if another person tries to use the card, it is necessary to decrypt the code twice. Yes, the card is less likely to be misused. Also, during this time, the real user can give time to report the loss of the card and take a countermeasure.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described with reference to FIG.

FIG. 1 is a diagram showing an embodiment in which the transaction system of the present invention is applied to an automatic cash transaction system. A bank 1 to be a business partner, a computer 2 as information storage means for storing one or more types of transaction information such as a user's account number, a terminal device 3 used when the user conducts a transaction, Communication means 4 for connecting the devices, an inter-bank network 5 for connecting the banks, and a user who can carry with him / herself when conducting a transaction with the bank, and have access to the terminal device 3. Formed magnetic card (transaction medium)
6. The magnetic card 6 has a card
Only the ID number such as the product serial number is stored. In the computer 2 as information storage means, important transaction information, such as a bank, a branch, an account number, and a credit company, necessary for the transaction of the user who has contracted to store the transaction information is stored for each user. ing. The transaction information includes information necessary for one transaction such as a bank, a branch, an account number, and the like, which is collected and stored, and the transaction information is provided to the user as one piece of information. The user who uses the computer pays the fee based on the amount of the information, the amount of the storage area to be used, and the like, based on a means (not shown) for generating a fee. Of course, this may be done free of charge as a service business of a bank or the like.

When a user makes a transaction with a bank, the user first inserts the magnetic card 6 into the terminal device 3 so that communication with the computer 2 is possible, and enters a predetermined password into the terminal device. It is input from the input unit of the device 3. The terminal device 3 reads the ID stored in the magnetic card 6 in advance, and transmits the ID and the password via the communication means 4 and the bank 1 which manages the terminal device 3, or transmits the ID to the bank 1 The data is transmitted directly to the computer 2 without going through. The computer 2 collates the ID of the magnetic card 6 with the personal identification number, and if the ID is correct, permits the use of the transaction information corresponding to the ID by a permission means (not shown). If the collation results do not match, the user is permitted to perform at least one more password input operation. At this time, the fact is displayed on the display unit of the terminal device 3, and the magnetic card 6 is returned to the user. If the result of the collation is correct, then the user sends a display indicating that the user selects which transaction information stored in the computer 2 to use, and this is displayed on the display unit of the terminal device 3. Is displayed. Here, the user selects which transaction information (in this embodiment, the name of the bank, the branch, and the account number are used). The transaction information selected by the user is transmitted from the computer 2 to the bank 1 where the user intends to make a transaction, and communicates with the computer in the bank. Here is the first terminal device 3
And the bank 1 with which the transaction is made can be communicated. When the user withdraws cash, for example, he or she inputs the password of the account from the terminal device 3 and further withdraws the cash by inputting the amount. The operation such as cash withdrawal is the same as the conventional cash drawer.
The operation is exactly the same as that performed using a password.

In the above-described embodiment, the computer 2 is added outside the interbank network. However, the computer 2 is located inside the interbank network as shown in FIG. Of course, it may be located in Even in this case, FIG.
Can be traded in the same way as in

In the above-mentioned transaction, a conventional magnetic card having a small storage capacity is sufficient as a transaction medium carried by a user, and a transaction can be made with a low-cost card. As another embodiment of the transaction medium, instead of a magnetic card, as shown in FIG. 3, the card itself may be a mechanical one having a key-like shape. However, in this case, it is needless to say that the terminal device must be provided with a device for recognizing this.

In the above embodiment, the computer 2 for storing user information does not need to be carried by the user, but the information storage means for storing the user transaction information is provided by the user. It may be owned and carried. As another embodiment, a case where the information storage means is an electronic organizer 7 as shown in FIG. 4 will be described. In this case, FIG.
As shown in (1), the transaction medium carried by the user needs at least an information storage section 61 for temporarily storing information necessary for the transaction, in addition to a storage section for storing the ID of the transaction medium.

The user first inputs a personal identification number by which the electronic organizer 7 and the transaction medium 6 can communicate. The electronic organizer 7 collates the ID of the transaction medium 6 with the personal identification number, and if the ID is correct, permits the use of the storage information corresponding to the ID. If the collation results do not match, the user is permitted to perform at least one more password input operation. At this time, the indication is displayed on the display unit 63 of the electronic organizer 7. If the result of the collation is correct, the user sends a display indicating that the user selects which transaction information stored in the electronic notebook 7 is to be used, and this is displayed on the display unit 63 of the electronic notebook 7. Is displayed. Here, the user selects which transaction information is to be used (in this embodiment, the name of the bank, the branch, and the account number are equivalent). The information selected by the user is transmitted from the electronic organizer 7 to the transaction medium 6, and further transmitted to the information storage unit 61 in the transaction medium 6 and stored. The user has a transaction medium 6 in which necessary information is stored.
Can be inserted into the terminal device 3 to perform a desired transaction. The subsequent operation is the same as the operation using the conventional magnetic card. When all transactions are completed, the transaction medium 6
The transaction information temporarily stored in the information storage unit 61 in
It is automatically deleted.

As described above, when the transaction medium carried by the user has an information storage unit for temporarily storing necessary information, the information storage unit for storing the information of the user includes the information storage unit. Instead of such an electronic organizer, as shown in FIG. 1, the computer 2 may be installed in another place where the user does not need to carry it. This embodiment is shown in FIG. In this case, it goes without saying that a means for exchanging information with the transaction medium 6 is provided in the terminal device 3.

Although the above embodiments have been described by taking cash as an example in transactions with banks, it is needless to say that the present invention is not limited to this. Therefore, various transactions using a credit card may be performed. In this case, FIG.
As shown in (1), the network between banks and the network between credit companies shown in FIG. By constructing a network in this manner, the present invention can be applied to any system that conducts transactions using a transaction medium such as a card. Further, in the present embodiment, the terminal device 3 and the information storage means 2 are not directly connected to each other because the present bank system is used. However, this is not related to the purpose of the present invention.
If the terminal device is directly connected to the information storage means or the information storage unit, more effects can be expected.

In the above embodiment, the transaction medium carried by the user stores only the ID of the transaction medium in advance. This is shown in FIG.
By providing the input unit 62 in the transaction medium itself and inputting not only the personal identification number but also the ID of the transaction medium, except for the case of conducting a transaction, the transaction medium includes:
Since there is no information, the security is higher. Other operation methods are the same as those described above.

The transaction system according to the present invention is provided with information storage means different from a transaction medium such as a card carried by the user, and stores the transaction information of the user required for the transaction in the information storage means. In addition, the information storage means may be installed in another place where the user does not need to carry it, or may be another information storage means carried by the user. Further, a terminal device is provided so that a user can access the information storage means.
Further, the transaction medium such as a card carried by the user does not store the actual transaction information necessary for the transaction such as an account number, but instead stores the transaction medium such as the serial number of the transaction medium. Only the ID is stored. As another transaction medium, a transaction medium provided with an input unit in which a user can input an encryption such as a personal identification number, and an information storage unit for temporarily using transaction information may be provided. . Further, as another embodiment, the terminal device used when the user conducts a transaction may be a terminal device provided with a temporary transaction information storage unit.

[0026]

According to the present invention, it is possible to conduct a transaction using a single transaction medium having a small storage capacity with a plurality of business partners, and since important transaction information is not stored in the transaction medium, A transaction system with improved security can be provided.

[Brief description of the drawings]

FIG. 1 is a diagram showing one embodiment of the present invention.

FIG. 2 is a diagram showing another embodiment of the present invention.

FIG. 3 is a diagram showing another embodiment of a transaction medium used in the transaction system of the present invention.

FIG. 4 is a diagram showing another embodiment of the present invention.

FIG. 5 is a diagram showing another embodiment of the transaction medium used in the transaction system of the present invention.

FIG. 6 is a diagram showing another embodiment of the present invention.

FIG. 7 is a diagram showing another embodiment of the present invention.

FIG. 8 is a diagram showing another embodiment of the transaction medium used in the transaction system of the present invention.

FIG. 9 is a diagram showing an outline of a conventional bank online system.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer's bank 2 Information storage means (computer) 3 Terminal device 4 Communication means 5 Bank-to-bank network 6 Transaction medium 7 Information storage means (electronic notebook) 8 Customer's credit company 9 Terminal device 10 Between credit companies Network 11 Communication means between networks

──────────────────────────────────────────────────続 き Continuation of the front page (56) References JP-A-51-27748 (JP, A) JP-A-60-193072 (JP, A) JP-A-63-123159 (JP, A) JP-A-2- 140892 (JP, A) (58) Fields investigated (Int. Cl. ⁷ , DB name) G06F 17/60 G06F 19/00 G07D 9/00

Claims (7)

(57) [Claims] 1. A transaction system for conducting a transaction with at least one customer using a transaction medium , wherein the transaction medium
At least one type of transaction information is stored in correspondence with the ID.
A computer that can be connected to suppliers based on the
A computer and at least one terminal device accessible to the computer via a network .
The computer is provided with a transaction medium by the terminal device.
When inputted to the terminal device with the ID transmitted is read from the encrypted transmitted from the terminal apparatus matches, collected corresponding to the ID that has been transmitted from the terminal device
Access permitting means for permitting access to index information ;
The terminal to which access is permitted by the access permission means
Transaction information corresponding to the transmitted ID to the device
Through the terminal device.
The transaction information selected in the transaction corresponding to the transaction information.
Trading system characterized by comprising: means for transmitting first computer, a. Wherein said transaction medium transaction system according to claim 1 formed by including information storage unit for temporarily storing the encryption. 3. The transaction medium is provided for each business partner.
Transaction information from each terminal when you need
And a temporary storage of the transaction information.
The transaction system according to claim 1, further comprising an information storage unit.
Tem. 4. A plurality of client computers and terminal devices.
Connected via a network and sent from the terminal device
At least one type of transaction information corresponding to the ID to be stored
Computer, the computer comprising:
ID sent from the device and input to the terminal device
Checking means for checking the encryption transmitted from the terminal device
The ID and the cipher match by the collating means.
Correspond to the ID transmitted from the terminal device.
Permission for the terminal device to access the transaction information
Access permitting means, and said access permitting means
The transmission is performed to the terminal device to which access is permitted.
Display for selecting the transaction information corresponding to the given ID
And the transaction information selected through the terminal device
Is sent to the supplier computer corresponding to the transaction information
Means for trading. Wherein said computer trading system of claim 1 or 4 comprising by comprising means for generating the compensation in accordance with the amount of storage for transaction information. 6. A plurality of client computers and terminal devices.
Connecting means for connecting the terminal via a network, and the terminal
At least one type of ID corresponding to the ID transmitted from the device
Storage means for storing the index information;
ID and input to the terminal device, and from the terminal device
Collating means for collating transmitted ciphers, and said collating means
When the ID and the encryption match with each other, the terminal
In the transaction information corresponding to the ID transmitted from the device,
Access permission to allow access to the terminal device
Means, and access is permitted by said access permitting means.
Corresponding to the transmitted ID for the specified terminal device
Display for selecting the transaction information to be
The transaction information selected through the device
Have a means to send to the corresponding supplier computer
Computer. 7. A method according to claim 1, wherein said transaction information is stored in an amount
7. The computer according to claim 6, further comprising means for generating a value.
Computer.