JP3209953B2 - International cash card and information processing method in the card operation system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an international cash card which enables immediate refund of deposits in Japan and abroad, and information in the card operation system.
Regarding the processing method.

[0002]

2. Description of the Related Art Conventionally, a credit card such as a VISA card or a master card issued by a credit company and used for payment of overseas travel destinations is an international (IS) card.
O) According to the standard, the card member number is written on a magnetic stripe formed on the back surface of the card.

On the other hand, several banks in Japan have recently
With the recent internationalization of finance, we have joined an international ATM network (for example, PLUS or Cirrus) that supports debit cards such as VISA International (hereinafter referred to as V / I) debit card or Master International debit card. And
24 hours a day, 365 days a year at ATMs of international ATM network member banks around the world (hereinafter referred to as overseas ATMs)
The company plans to issue an international cash card for the purpose of withdrawing deposits in local currencies from Japanese bank accounts in a local currency for a short period of days.

[0004] The basic nature of such an international cash card to be issued at a bank is essentially different from that of a credit company, and is a deposit card (debit card) that immediately withdraws the balance of a deposit upon withdrawal. In addition to the card member number for the same card, it is necessary to write a bank account number for use as a deposit card in Japan. Therefore, it is conceivable that the bank account number according to the domestic (NTT) standard is written on a magnetic stripe formed on the front surface of the international cash card, and the card member number is written on the magnetic stripe on the back surface of the card according to the international standard.

[0005] When operating an international cash card, an international ATM network in accordance with the international (ISO) standard conforms to an international (ISO) standard, and a domestic online network (hereinafter referred to as a domestic network, for example, CAFIS) is a different domestic (NTT). According to the standard, it is necessary to convert messages between the two networks.

[0006]

However, the bank account number according to the national standard and the card member number according to the international standard have conventionally been operated as separate and independent number bands. Therefore, it is necessary to convert the card member number to the bank account number (and vice versa) at the time of the above-mentioned message conversion. Even if a high-speed lookup table is used, the speed of account processing at the time of the message conversion is greatly increased. Obviously there is a risk of damage. This also means that International A
Withdrawal and payment according to the TM network, for example, V / I rules
This may jeopardize a request that the inquiry message must be returned within a few tens of seconds (eg, within 20 or 25 seconds) of leaving the V / I computer.

The present invention has been made in view of the above points, and has as its object to eliminate the necessity of performing the number conversion between the bank account number and the card member number, and to quickly perform the account processing at the time of message conversion. International cash cards that are common in Japan and overseas and the card operation system
To provide an information processing method.

[0008]

In order to achieve the above object, the invention of the international cash card according to the first aspect of the present invention is directed to a magnetic stripe attached to the front surface of a card, in which a bank account number conforming to the domestic standard is written, and attached to the back surface of the card. An international cash card commonly used in Japan and abroad where a card member number of an international standard is written on a magnetic stripe, and the bank account number and the card member number are not set to different number bands, and are used as components of the bank account number. It is characterized in that a certain bank account number is embedded in the card member number, and the last one digit of the bank account number embedded in the card member number is updated when the card is reissued.

Here, the card member number may be characterized by comprising a fixed number unique to a bank, a bank store number, the bank account number, and a check digit (CD; verification numerical value).

[0010] The last one digit of the bank account number constituting the card member number may be used to represent the number of card reissues.

[0011] The bank account number may include a bank store number, an account, and a bank account number, and the bank account number is a unique number that is constant regardless of reissue of a card.

In order to achieve the above object, a fifth aspect of the present invention provides a card issuing machine for issuing an international cash card according to any one of the first to fourth aspects, and a card issuing machine for issuing the international cash card via a network.
And a host computer connected to the card issuing machine
An information processing method in card operation system with a door, the card issuing machine, the branch office by file of the bank
Enter the stored account number of the customer into the network
The create and retrieve <br/> step of obtaining from the host computer via chromatography click, the obtaining step in the acquired account number, and bank of the corresponding store number, a bank account number on the basis of subjects 1 and the acquisition step
Has been the deposit account number acquired in-flops, and bank-specific fixed number, bank corresponding store number, a second generating step of generating cardholder number based on check digit, the
A first writing step of writing the magnetic stripe of the adhesive on the card surface to encode the bank account number that was created in the first generating step, in the second generation step
And executes a second writing stearyl <br/>-up to write to the magnetic stripe of the adhesive to the back of the card by encoding the cardholder number which is created.

According to a sixth aspect of the present invention, in the case where a new or old international cash card according to any one of the first to fourth aspects is replaced due to the consolidation of stores, the transfer of stores, etc.
The host computer may perform the settlement process by replacing the store number and the deposit account number that constitute the card member number with the corresponding new store number and deposit account number.

According to a seventh aspect of the present invention, in the case where a new or old international cash card according to any one of the first to fourth aspects of the present invention is replaced due to merging and closing of stores, transfer of stores, etc.
The host computer may perform the settlement process by replacing the shop number and the deposit account number that constitute the bank account number with the new shop number and the deposit account number.

The card issuing number may be updated by the card issuing machine updating the card member number by embedding the number of reissues in the last digit of the deposit account number constituting the card member number. Included free third writing step to write the card membership number on the magnetic stripe of the adhesive card issuing machine to the back of the card
And the host computer determines the number of reissues and the check digit of the card managed in the host computer for the last digit of the deposit account number and the check digit on the magnetic stripe attached to the back of the card. The verification can be characterized in that the old card is invalidated and the new card is made valid.

[0016]

Embodiments of the present invention will be described below in detail with reference to the drawings.

In the following description of embodiments of the present invention, for convenience of explanation, a case where the present invention is applied to a system of an international ATM network (hereinafter referred to as PLUS) compatible with a V / I debit card is illustrated. However, the present invention is not limited to this, and it goes without saying that the present invention can similarly be applied to other international ATM network systems compatible with debit cards such as Master International. [Structure of International Cash Card] FIG. 1 shows an example of the structure of an international cash card according to an embodiment of the present invention, wherein (A) is a plan view of the front surface of the card, and (B) is a plan view of the back surface of the card. FIG. As shown in FIG. 1A, a magnetic stripe (also referred to as a magnetic tape or a magnetic tape stripe) 11 formed on the surface of a domestic and overseas common cash card is a domestic (NTT)
The bank account number for domestic withdrawal (savings account) according to the standard (JIS II) is written, and as shown in FIG. 1 (B),
On the magnetic stripe 21 formed on the back of the card, a card member number for overseas withdrawal (ordinary deposit) according to the international (ISO) standard (JIS I) is written.

FIG. 2 shows a modification of the international cash card of the present embodiment. The back side of the card shown in FIG. 2B is the same as that of FIG. 1B, but the front side of the card shown in FIG. In addition to the magnetic stripe 11 on which the account number is written,
There is a magnetic stripe 12 on which information for other domestic withdrawals (loans or savings accounts) is written. This allows
We can provide an international cash card that also serves as a loan or an international cash card that also serves as a savings account.

The record of the loan or savings deposit is domestic A
Only the TM (Automatic Teller Machine) is a record of the destination of use (domestic cash card), and the magnetic stripe 12 is formed at the lower part of the card surface as shown by the broken line in FIG. The use of the formation position, the width, and the like of these magnetic stripes is a well-known matter in accordance with each standard, and therefore details thereof are omitted.

FIG. 3 shows issuance / extraction data of a card that can be handled by the system according to the embodiment of the present invention. As shown in FIG. 3, the records of domestic and overseas ATM users (international cash cards) and the records of domestic ATM only users (domestic cash cards) are distinguished. More specifically, FIG. 3A shows a record of an international cash card destination, in which information on domestic cards and international cards is stored in one record (in units of one card). This is Figure 1
And the record of the international cash card of FIG.

FIG. 3B shows a record of a domestic cash card, in which only one domestic card information is stored in one record. This corresponds to a conventional general deposit card.

In the case of a record of an international cash card as shown in FIG. 3A, the card issuing machine, as shown in FIG. 1 and FIG. 12, the information of the international card is written on the magnetic stripe 21 on the surface of the card.

On the other hand, in the case of a domestic cash card record, the card issuing machine writes the information of the domestic card on the front surface of the card in a magnetic stripe, but does not write the information on the back surface of the card.

As shown in FIG. 4, in the card issue / extracted data, the same record is created as continuous data. Here, since the same record continues, the original plate of the card is switched when the record type is changed.

FIG. 5 shows the structure of the card member number of the international cash card according to the present invention. In the case of domestic card data, a domestic ATM-compatible bank account number is used.
The bank account number consists of a bank store number, an account, and a bank account number. On the other hand, in the case of international card data, for example, V / I
According to the specification, a 16-digit number (however, a 19-digit number can be selected) is given as a card member number corresponding to an overseas ATM. The first six digits of the 16 digits are a fixed number, and the remaining 10 digits are
The digits are numbers used to identify card members. The fixed number is set for each bank from V / I. The card membership number can be freely set by the bank except for the fixed number, but with conventional credit cards, the identification number of the member is generally set for each member in order, and is not set based on the bank account number .

On the other hand, in the present invention, as shown in FIG. 5, as the card member number, a fixed number representing a bank which handles 5 digits of a fixed number of 6 digits from the head of 16 digits, and the remaining 1 digit Consists of a 3 digit store number, a 2 digit store number, a 7 digit deposit account number (in the case of a card reissue, the last digit updated to the last digit), and a 1 digit check digit (CD; verification number) are doing. In addition, in this configuration, the combination can be changed according to the number of digits of a store number or a deposit account number (in the case of a card reissue, the last digit updated to the last digit of the same number) which differs for each bank. 6-digit fixed number and 3-digit store number out of 16 digits, 6-digit deposit account number (in the case of card reissue, updated last digit of the same number), 1-digit verification number, 19 digits Select a 6-digit card member number, a 6-digit fixed number, a 4-digit store number, a 1-digit subject, and a 7-digit bank account number. ) A configuration such as a one-digit verification value can be considered.

The last one digit of the deposit account number (in the case of reissuing a card, the updated lower one digit of the same number) that constitutes the card member number includes the number of international cash card issuances. Therefore, each time the card is reissued, the last two digits of the card (including the last one digit CD) are changed. For example, reissuance of international cash card due to damage or fouling,
In case of lost or reissued card change, the bank center automatically changes the number of issued bank cards (this allows
A new card member number is automatically assigned), and the card with the previous number of issuances (the card with the previous card member number) cannot be used.

As described above, in the present invention, the bank account number and the card account number are embedded in the card account number without embedding the bank account number in the card account number without using different numbers.
The same account / same account method is adopted in which the last digit of the deposit account number embedded in the card member number is updated when the card is reissued. [Issuance of International Cash Card] The international cash card according to the embodiment of the present invention has the appearance configuration of FIGS. 1 and 2 as described above, and its card member number has the configuration shown in FIG. Using a card issuing machine (not shown), both the bank account number and the card member number are matched, and the card member number data (16 digits) is encoded on the magnetic stripe 21 on the back of the international cash card (binary data). The flow of data from encoding to writing is as follows.

The card issuing machine first assigns a bank account number (store number / subject / deposit account number) from a file for each branch via a bank host computer (bank host 48 in FIG. 7), and the fixed number of the bank And a bank member number extracted from the bank account number, a bank account number and a check digit, and a card member number is assigned (see FIG. 5), and the assigned bank account number is shown in the international cash card shown in FIG. Encoding and writing on the magnetic stripe 11 attached to the surface,
The numbered card member number is encoded and written on the magnetic stripe 21 attached to the back of the international card shown in FIG.

The new destination accesses the customer's deposit account using the deposit account number in the card member number as it is. On the other hand, the reissue destination is the bank account number in the card member number (in the case of a card reissue, the last digit of the same number is updated)
For the check digit and check digit, after verifying the number of reissues of the card managed in the host computer and the check digit, immediately calculate the correct deposit account number and refer to the look-up table to see a completely different card Access your bank account much faster than converting your membership number to a bank account number. [Compatibility of replacing old and new international cash cards] Since the present invention employs the same card and same account method, the replacement of old and new cards due to the consolidation of stores, the transfer of stores, etc., is performed when overseas (telegram conversion, proxy Can be replaced as in Japan. [Reissue of International Cash Card] For the above international cash card, the lower two digits of the 16 digits of the card member number will be changed each time it is reissued.

The new destination accesses the customer's deposit account using the deposit account number in the card member number as it is.

The reissue destination calculates a valid account number based on the bank account number in the card member number (in the case of a card reissue, the last digit of the same number is updated) and the number of card issuances. Access using the account number of the calculation result. [Basic Configuration of Network and Message Conversion] FIG. 6 shows a basic configuration of an international ATM network of an international cash card that can immediately repay a deposit in Japan and overseas. As shown in FIG. 6, the data on the international cash card 31 is stored in an overseas A member of PLUS.
From the TM 32, via the overseas network and the V / I computer system 33, it enters the processor system 34 having a relay (telegram conversion) function in Japan, and further through the domestic network (CAFIS), the host computer system of the corresponding bank in Japan. Up to 35 (hereinafter referred to as a bank host), a message is distributed using the card member number as a key.

Overseas international ATM network (PLUS
Network (including V / I network)
O) In accordance with the standard, the domestic network complies with another national (NTT) standard, so that it is necessary to convert the telegram between the two networks. The processor system 34 has a function as a message conversion processing device for converting a message between the two networks, and further has a function as a proxy processing device and an accident response processing device described later.

At the time of this message conversion, the present invention employs a method of embedding a bank account number in a card member number as shown in FIG. Unlike the conventional system in which the number band is used, there is no need to perform a code conversion process for converting a card member number into a bank account number, and direct access to the customer deposit account 36 is possible. Therefore, if the international cash card of the present invention is used, account processing at the time of message conversion can be performed very quickly. In addition, the speeding up can sufficiently and safely satisfy the V / I rule that the withdrawal / inquiry message returns within several tens of seconds after leaving the overseas V / I computer system 33. [System Configuration of Proxy Processing and the Like] Next, in order to explain the proxy processing and the accident response processing according to the present invention, FIG. 7 shows a detailed configuration of a network and a flow of an international cash card transaction in an embodiment of the present invention. . For convenience of explanation, the international cash card used in the following is supposed to have the same internal and external accounts in the format as shown in FIG. 5 according to the present invention, but the proxy processing and the accident response processing according to the present invention However, the present invention can be applied to an international cash card in which the bank account number and the card member number are set to different numbers.

In FIG. 7, reference numeral 41 denotes an international cash card, reference numeral 42 denotes an overseas ATM which is a member of PLUS.
M42 reads international cash card 41 and withdraws foreign currency cash 43.

As of the end of June 1997, there are about 350,000 ATMs belonging to PLUS in more than 100 countries. 44 is an overseas V / I computer system, 45 is a Japan (for example, Yokohama) V / I computer system, and 46 is a processor system. The overseas V / I computer system 44 relays between the overseas ATM 42 on the PLUS network and the Japanese V / I computer system 45 on the V / I network. The Japanese V / I computer system 45 relays between the overseas V / I system 44 and the processor system 46. The processor system 46 has not only a function as a message conversion processor for converting messages between the two networks but also a function as a proxy processor and an accident response processor.

International ATM using international cash card
The network system needs to be able to withdraw money from Japanese bank accounts in local currencies 24 hours a day, 365 days a day at ATMs of international ATM network member banks around the world. However, holidays vary from country to country, business hours vary from country to country, and there is usually a large time difference between Japan and overseas, so Japanese bank accounting computers (hereinafter referred to as bank accounting) It is believed that there will often be demands to withdraw deposits in local currencies from Japanese bank accounts at ATMs of international ATM network member banks around the world when is not operating. When the Japanese bank account system is not in operation, for example, at night, during the year-end and New Year holidays (January 1 to January 3), and consecutive holidays in May (May 3 to May 5)
Day) is a bank holiday. However, it is not easy from a human point of view to operate the Japanese bank account system 24 hours a day, 365 days a day, just for the purpose of processing international cash card accounts. Are also very uneconomical and currently impractical.

The proxy processing by the processor system 46 smoothly performs the proxy processing when the Japanese bank account system (the bank host 48 in this example) is not operating as described above. Further, the processor system 46 also smoothly handles countermeasures for accidents such as loss of a card as described later.
The operation and operation of the processor system 46 may be performed by a processor (agent) such as a credit company belonging to the same bank.

Reference numeral 48 denotes a bank host (a host computer of a PLUS member bank in Japan), and reference numeral 49 denotes a card issuing machine. The bank host 48 transmits / receives information relating to withdrawal / balance, card loss / payment, and customer information registration, which will be described later. The card issuing machine 49 accepts the application for an international cash card and automatically issues an international cash card. Since the details of the processing contents of the card issuing machine 49 have already been described, the description will be omitted.

Processor system 46 and bank host 48
The information transmitted in between includes, for example, the following. (1) Incoming transactions Withdrawals and withdrawals in overseas transactions Transactions with overseas transactions, balance inquiry, balance inquiry cancellation Cards lost in agency transactions, other payments stopped (2) Destination transactions Customer information registration For example, lost cards, other There are suspension of payment, updating of the incorrect input number of PIN, and resumption of use. These are transmitted each time the target transaction occurs.

The balance notification is transmitted at the time of the account transaction after the file extraction of the balance notification before proxy.

Reference numeral 50 denotes a file processing unit located at the bank head office together with the bank host 48, and sequentially stores information relating to registration of customer information for construction of a proxy DB (database) and notification of balance reflecting the balance of the proxy DB in a file. are doing. Reference numeral 51 denotes a batch processing unit similarly located at the head office of the bank, which creates fund settlement data with the V / I and customer's overseas usage statement data based on the magnetic tape (MT) transferred from the A center 52A. . That is, the batch processing of the batch processing unit 51 includes creation of fund settlement processing data,
There are creation of usage statement inquiry data, matching of V / I payment amount and usage statement, and creation of a book relating to fund settlement.

Reference numeral 52 denotes a processor-related batch-related system, which comprises, for example, an A center 52A and a B center 52B located relatively close to a bank.

The V / I fund settlement item-specific statement input from the input unit 53 is created as the bank account settlement item-specific data to the bank by the information processing unit 54, and the created data is transferred to the A center 52A. .

Next, a specific settlement procedure will be described. In the following description, it is assumed that the bank has outsourced the message conversion and the payment settlement to the processor.
[Operation at the time of operation of bank account system] When the bank host 48 is operating, settlement is performed by message conversion of the processor system (computer system of the agency) 46 via CAFIS.

When a foreign currency is withdrawn at the overseas ATM 42, the “equivalent amount of the withdrawn foreign currency in yen and the usage fee” is immediately deducted from the customer deposit account via the bank host 48. Thereby, the customer settlement is completed immediately. [Operation when Bank Account System is not Operating] (1) Transfer of balance from bank to processor system 46
To the customer account balance at the time of the non-operation shift of the bank account system (bank host 48), the batch-related system 52 and the CAF
Copies (transfers) to the proxy file 46A of the processor system 46 together via the IS, and immediately withdraws the "equivalent amount of foreign currency withdrawn and the usage fee" from the balance of the proxy file 46A when withdrawing foreign currency at the overseas ATM 42. . Here, the customer deposit account balance copied to the proxy file 46A indicates in advance the “customer deposit account balance at the time of the non-operational transition of the bank computer” from “the amount to be withdrawn by the bank host night center processing during the proxy”. Subtract the amount.

Transfer of the magnetic tape (MT) (specifically,
Batch transfer of balance data by batch processing (conveyance by motorbike service or car) (specifically, data transfer via dedicated line or transfer of magnetic tape (MT) by motorbike service or car) and transfer of balance data via online network By using individual transfer (specifically, via CAFIS), the balance of the customer's deposit account is matched at the time of transfer to the agency. Details such as the timing of the procedure at this time will be described later with reference to FIG. The batch transfer by batch is performed because the amount of information to be copied is enormous, so that the online transfer has a load on the network and has problems in terms of cost.

The procedure for creating the transfer data by batch will be described. The file processing unit 50 uses the customer information registration data as the customer's deposit account information (card member number, name, address, personal identification number, etc.) for the construction of the proxy file. To MT
The MT is transferred to the A center 52A every business day. The file processing unit 50 stores balance notification information to be reflected in the balance of the proxy file in the MT, and transfers the MT to the A center 52A before the proxy.

In the A center 52A, the batch transfer M
The customer information registration data and the balance data are extracted from T, the extracted result is transmitted to the B center 52B via a dedicated line, and stored in the proxy file 46A of the processor system 46 via the B center 52B. (2) Features of account processing at the time of proxy agency FIG. 8 shows a network diagram at the time of proxy transaction. Between the processor system 46 and the proxy file 46A, information of (a) withdrawal, withdrawal cancellation, balance inquiry, balance inquiry cancellation, and update of the number of incorrectly inputting the password in connection with the overseas transaction are transferred. Further, between the accident file 46B and the accident reception center 55, (b) card loss (including cancellation) and other payment suspension (including cancellation) are transferred.

The account processing of the withdrawal due to the transfer of the night center during the agency and the cash withdrawal at the overseas ATM 42 at the time of the agency takes precedence over the overseas cash withdrawal when the customer deposit account balance becomes insufficient. Cancel the transfer.

Further, as described above, the amount deducted by the night transfer during the proxy is subtracted from the customer account balance at the time of transfer in advance, and the amount is transferred to the processor system 46 as the customer account balance. (3) Transfer the balance from the processor system 46 to the bank At the end of the transfer, transfer the transfer data being transferred from the transfer file 46A of the processor system 46 to the bank account system (bank host 48) online via CAFIS, and transfer the customer's deposit account. Withdraw the withdrawal amount from. At this point, the customer settlement is completed. Online processing at banks AT in Japan
The transfer is completed before the start of the M operation. In this case, the reason why the balance is transferred online in this case is to immediately reflect the balance.

The proxy transaction distribution (also referred to as proxy processing result distribution) performed at this time includes (a) withdrawal of overseas generated transactions,
There are withdrawal cancellation, balance inquiry, balance inquiry cancellation, (b) card loss related to accident notification, other payment suspension, and update of the number of incorrect input of PIN. In addition, the accident report relationship is distributed to the bank host 48 with priority over withdrawal and balance inquiry.

The processing operation during the distribution of the proxy processing result is shown in the flowchart of FIG.

If the processing mode is the proxy processing, the above-described proxy processing, which has already been described in detail, is executed for a newly generated payment or the like (S1).

While the processing mode is delivering the proxy processing result, a new payment etc. occurring during the delivery is
It is determined whether or not the proxy process is related to the withdrawal or the like of an existing member (S2). If not, a message conversion process is performed (S4). This time, if the proxy process is related to the withdrawal of a member who has already been performed, it is determined whether or not the proxy process result distribution of the member has been completed (S3), and the proxy process result distribution has not been completed yet. If it is a member, proxy processing is performed (S1). If the member has completed the proxy process result distribution, the message conversion process is performed (S4).

If the processing mode is message conversion, the message conversion process already described in detail is executed (S4). (4) Specific examples and time charts of the substitute date and time When the bank host 48 is not operating, specific examples include Sunday night (for example, from 21:00 to 7:00 the following morning),
Month 1 to January 3 and May 3 to May 5.

FIGS. 10 and 1 are time charts of the balance notification at the time of the international cash card transfer when the above-mentioned operation is not performed.
1, FIG. 12 and FIG.

FIG. 10 is a time chart showing the alternate times from 21:00 on Sunday twice a month to 7:00 (or 8:00) on Monday. FIG. 11 shows a time chart at the time of substitution from January 1 to January 3. FIG. 12 shows a time chart at the time of proxy from May 3 to May 5 when May 3 is Monday to Saturday. FIG. 13 shows a time chart for the proxy from May 3 to May 5 when May 3 is Sunday.

Next, as a representative example of these substitutions, FIG.
A time chart at the time of proxy on Sunday shown in FIG.

First, the balance at 17:00 on Saturday is extracted and stored in the MT.

Simultaneously with the start of the balance extraction, individual transfer of the balance is started via CAFIS. For customers who have account transactions between 17:00 on Saturday and 21:00 on Sunday, the latest balance in account transactions Send online. Here, where the balance is updated by online balance transmission, the data is not updated by the MT.

Meanwhile, the proxy file of the processor system is updated by extracting the data stored in the MT.

The agency business is started at the same time as the transmission of the online balance, and the delivery of the agency result is started via CAFIS at the same time as the agency business is completed.

In this proxy result distribution, update data on card loss, stoppage of use, and incorrect password input count is distributed with the first priority, and thereafter, withdrawal and balance inquiry (each of which is performed in accordance with the transaction order at the time of proxy). (Including cancellation).

11 to 13 are almost the same as those in FIG. 10 described above, and can be easily understood from the drawings. [Accident Response Process] (1) History Storage The bank host 48 and the processor system 46 simultaneously store the same accident history. In other words, they share customer information. This is because it is necessary to immediately stop domestic and overseas payments in response to a customer's notification of the accident information on loss or theft of an international cash card.

First, when a customer is notified of the loss or theft accident information of an international cash card in Japan, the stop of payment is immediately registered at the head office of the bank and each telephone center. On the other hand, when a customer is informed of the loss or theft of an international cash card from overseas,
The stoppage of payment is immediately registered in the agency center accident file 46B at the accident reception center 55 which has been operating for 24 hours and 365 days as shown in FIG.

Then, when the bank host 48 is operated, for the bank registration, the accident information is immediately distributed to the agency center accident information file 46B via CAFIS and automatically registered, and the agency center accident information file 46B is registered. Immediately send accident information to bank host 48 for minutes
Distribution via FIS and automatic registration.

When the bank host 48 is not operating, the accident information is prioritized over the customer account transfer information when the bank account system starts operating immediately after the agency processing mode ends.
And distribute it automatically through CAFIS. (2) Card update As shown in FIG. 5, as the card member number, a fixed number representing the handling bank of the first 5 digits of 16 digits, a 3 digit store number, a 7 digit deposit account number (in the case of reissuing a card) Is composed of a numerical value obtained by updating the last one digit of the same number) and a one-digit check digit (CD; verification numerical value). The last digit of the bank account number (in the case of reissuing a card, the updated lower one digit of the same number) that constitutes the card member number includes the number of international cash card issuances. Therefore, each time the card is reissued, the last two digits of the card are changed.

In the case of reissuance, loss of reissue, and card switching due to damage or fouling of the international cash card, the center of the bank automatically updates the number of issued cash cards, and updates the check digit along with this update (by this means). , A new card member number is automatically assigned), the card of the previous number of issuances (the card of the previous card member number: old card) is invalidated and expired, and the new card is made valid.

That is, when the card is lost or reissued, the card member number is changed in the magnetic stripe on the back of the card by updating the number of last one digit issued in the deposit account number and updating the check digit accompanying the update. If you change your card number when you lose or reissue a card,
It is a V / I rule. On the other hand, in the case of the magnetic stripe on the front of the card, the account number on the magnetic stripe attached to the back of the card is unchanged (if the card is reissued, the last digit is updated). The old card is invalidated and the new card is validated by verifying the number of reissues and the check digit of the card managed in the host computer for one digit and check digit. [Other Embodiments] The present invention utilizes an international ATM network, for example,
Application to VISA Interlink (international BANK POS), VISA CASH (electronic money), etc. is also possible.

The present invention can also be applied to Master International's Cirrus as an international ATM network.

In the present invention, another line such as a dedicated line may be provided between the agent processor and the bank account system.

[0073]

As described above, according to the present invention,
In the case of domestic and overseas common international cash cards where the magnetic stripe on the card surface (magnetic tape) is the domestic standard bank account number and the magnetic stripe on the back of the card is the international standard card member number, the bank account number and the card member number are different numbers. Since the bank account number is embedded in the bank account number instead of the band, there is no need to convert the card member number to a bank account number, so that the account processing can be speeded up. Japanese A
Account processing at the time of conversion of a withdrawal / inquiry message between TM networks can be performed quickly.

[Brief description of the drawings]

1A and 1B show a configuration example of an international cash card according to an embodiment of the present invention, wherein FIG. 1A is a plan view of a front surface of the card, and FIG. 1B is a plan view of a back surface of the card.

FIG. 2 shows a modification of the international cash card according to one embodiment of the present invention, wherein (A) is a plan view of the surface of the card;
(B) is a plan view of the back surface of the card.

FIG. 3 is an explanatory diagram showing issuance / extraction data of a card that can be handled by the system according to the embodiment of the present invention.

FIG. 4 is a diagram showing an example of a record format of card issue extraction data at the time of transmission.

FIG. 5 is a diagram showing a configuration example of a card member number of an international cash card according to an embodiment of the present invention.

FIG. 6 is a block diagram showing a basic configuration of an international ATM network of an international cash card which can promptly settle payments in Japan and overseas.

FIG. 7 is a block diagram showing a detailed configuration of a network and a flow of an international cash card transaction in an embodiment of the present invention.

FIG. 8 is a block diagram showing a network configuration at the time of proxy transaction in one embodiment of the present invention.

FIG. 9 is a flowchart illustrating a processing operation during distribution of a proxy processing result according to an embodiment of the present invention.

FIG. 10: Sunday 21: In one embodiment of the present invention.
It is a time chart which shows the timing of the balance notice at the time of an international cash card proxy at the time of proxy from 00 to 7:00 on Monday.

FIG. 11 is a diagram showing an embodiment of the present invention.
It is a time chart which shows the timing of the balance notification at the time of the international cash card proxy at the time of proxy until March 3.

FIG. 12 is a diagram showing an embodiment of the present invention.
It is a time chart which shows the timing of the balance notice at the time of proxy of an international cash card at the time of proxy on May 5 (when May 3 is Monday to Saturday).

FIG. 13 is a diagram showing an embodiment of the present invention.
It is a time chart which shows the timing of the balance notification at the time of proxy of an international cash card at the time of proxy on May 5 (when May 3 is Sunday).

[Explanation of symbols]

11 Magnetic Stripe (Magnetic Tape) for Domestic Withdrawal (Ordinary Savings) 12 Magnetic Stripe for Domestic Withdrawal (Loan or Savings Deposit) 21 Magnetic Stripe for Overseas Withdrawal (Ordinary Deposit) 31 International Cash Card 32 Overseas ATM 33 V / I Computer system 34 Message conversion system 35 Bank host 36 Customer account 38 Proxy file 41 International cash card 42 Overseas ATM 43 Foreign currency cash 44 V / I computer system (Overseas) 45 V / I computer system (Japan) 46 Processor system 46A Proxy file 46B Accident file 48 Bank host 49 Card issuing machine 50 File processing unit 51 Batch processing unit 52 Batch related unit 55 Accident reception center

──────────────────────────────────────────────────の Continuation of the front page (51) Int.Cl. ⁷ identification code FI G07F 7/12 G07F 7/08 C (56) References JP-A-60-10479 (JP, A) JP-A-8-110935 ( JP, A) JP-A-9-97370 (JP, A) JP-A-9-147039 (JP, A) JP-A-62-287369 (JP, A) (58) Fields investigated (Int. Cl. ⁷ , (DB name) G06F 17/60 G06F 19/00 G06K 19/00 G07D 9/00 G07F 7/00

Claims (8)

(57) [Claims] An international cash card commonly used in Japan and overseas, wherein a domestic standard bank account number is written on a magnetic stripe attached to the front surface of a card and an international standard card member number is written on a magnetic stripe attached to the back surface of the card. The bank account number and the card member number are not set to different numbers, and a bank account number, which is a component of the bank account number, is embedded in the card member number. An international cash card, wherein the last digit of the account number is updated when the card is reissued. 2. The international cash card according to claim 1, wherein the card member number comprises a fixed number unique to a bank, a bank store number, the bank account number, and a check digit. 3. The international cash card according to claim 2, wherein the last digit of the deposit account number that constitutes the card member number is used to represent the number of card reissues. 4. The method according to claim 1, wherein the bank account number comprises a bank store number, an account, and a bank account number, and the bank account number is a unique number that is constant regardless of reissue of a card. 3. The international cash card according to any one of 3. 5. A card issuing machine for issuing the international cash card according to claim 1 , wherein
A host computer connected to the card issuing machine via a work
Information in a card operation system equipped with a computer
In the processing method, the card issuance machine sends the bank account number of a corresponding customer stored in a file for each branch of a bank via the network to the host computer.
An acquisition step of acquiring from Yuta, a first generating step Ru create to <br/> a bank account number based on the acquired account number, and bank of the corresponding store number, the subjects in the acquisition step, the obtaining step in the acquired account number, and bank-specific fixed number, bank corresponding store number, a second creation scan <br/> step of creating a cardholder number based on check digit, the A first writing step of encoding the bank account number created in the first creation step and writing the same on a magnetic stripe attached to the surface of the card; and encoding the card member number created in the second creation step And performing a second writing step of writing the data on a magnetic stripe attached to the back surface of the card . 6. The method according to claim 1, wherein the store is abolished, the store is transferred, and the like.
To when read as the international cash card old card according to any one of 4, the host computer
Claim data, characterized in that the settlement process is replaced with the store number and account number of new store number and account number of the corresponding constituting the card member number 5
An information processing method in the card operation system according to [1] . 7. The method according to claim 1, wherein the store is merged or abolished, or the store is transferred.
To when read as the international cash card old card according to any one of 4, the host computer
Data is to claim 5, characterized in that the settlement process is replaced with the store number and account number of new store number and account number of the corresponding constituting the bank account number
An information processing method in the card operation system described in the above . 8. The card issuing machine updates the card member number by embedding the number of reissues in the last digit of the deposit account number constituting the card member number, and the card issuing machine updates the card member number with the updated card member number. run the write-free third writing step writes the magnetic stripe affixed to the bottom card, the host computer, the last digit and check digit bank account number on the magnetic stripe affixed to the back of the card, the host 6. The card operation system according to claim 5, wherein the old card is invalidated and the new card is validated by verifying the number of reissues and the check digit of the card managed in the computer.
Information processing method.