JP3335877B2 - Transaction processing method and transaction processing device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing method and a transaction processing apparatus performed using a transaction card.

[0002]

2. Description of the Related Art In a transaction performed using a transaction card, it is necessary to confirm at the time of the transaction that the user of the card is a legitimate user of the card (a person who has authority to use the card). is there. As a method of such confirmation, it is common to input a personal identification number prior to a transaction and determine whether the input personal identification number matches the personal identification number of the card.

[0003]

However, it is troublesome for a user to input a password every time such a transaction is performed. Further, in the case of a terminal having a structure in which it is easy for others in the vicinity to see the input of the personal identification number, there is a possibility that the personal identification number may be seen.

[0004] The present invention has been made in view of the above, and an object of the present invention is to surely confirm whether a card user is a valid user and to input a password every time a transaction is made. To eliminate the hassle of doing it.

Another object of the present invention is to reduce the risk that a personal identification number is seen by others.

[0006]

SUMMARY OF THE INVENTION The present invention relates to a user card.
And the PIN of the user card are stored.
Central management device for collating numbers, and
Connected to the central management unit and insert the user card
User of a user card having a mouth and inserted into the insertion slot
Conducts a transaction that requires confirmation that the user is a legitimate user.
A plurality of transaction terminals, and the transaction terminal
Installed near the entrance or aisle of
Hard to see which key you are pressing
Shared transaction terminals and pachinko game machines in the amusement arcade
Transaction involving multiple dedicated transaction terminals provided adjacent to each other
In the transaction processing method performed using the processing device,
At the shared transaction terminal, a PIN is entered for the above confirmation
Once the transaction has been made, the same
Same or different transaction terminal without needing to enter certificate number
Transaction processing characterized by permitting transactions in
It provides a method . In the above shared transaction terminal
The transaction to be performed is a legitimate user of the user of the user card
Including transactions intended to confirm that
good. The plurality of transaction terminals are located in the same game arcade.
May also be used. Setting of the predetermined exemption time,
Making a change may be further included. cypher
Allows you to trade without having to enter a number
In this case, the condition is that the transaction amount is less than a predetermined value.
Then, the transaction may be permitted.

[0007] The present invention also relates to a user card number and usage.
The PIN code of the user card, and verify the PIN
A central management device that performs the
Connected to a management device and has an insertion slot for a user card.
The user of the user card inserted at the entrance is a legitimate user
Multiple transactions to make a transaction that requires confirmation
Terminal, and the transaction terminal is located near the entrance of the game hall or
Is installed in the aisle.
Shared transaction terminal that is hard to see by people who are pushing it
And adjacent to the pachinko game machines in the
And a plurality of dedicated transaction terminals.
Is the shared transaction terminal and the security code
Is entered and the transaction takes place, then the specified exemption time
Within the same or different without having to enter the same PIN
Have a means to allow trading at
And a transaction processing apparatus characterized by the following. Up
The transaction performed at the shared transaction terminal is a user card
To verify that the user is a legitimate user
It may include a transaction to do. The above multiple transaction terminals are the same
May be arranged in the game hall. Above center
The management device sets or changes the predetermined exemption time.
May be further provided.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a case where the present invention is applied to a transaction terminal in a pachinko parlor, that is, a user card used in a common transaction terminal and a dedicated transaction terminal will be described.

FIG. 1 shows a device involved in a transaction using a user card in a pachinko parlor. In the figure, 1 is a central management device, 2 is a shared transaction terminal, 3 is a dedicated transaction terminal, and 4 is a pachinko game machine. The common transaction terminal 2 and the dedicated transaction terminal 3 are sometimes simply referred to as transaction terminals.

The central management device 1 manages the entire pachinko parlor and checks the password.

The common transaction terminal 2 is installed, for example, near the entrance of a pachinko parlor or in an aisle, and exchanges cash, or inserts cash to increase the amount of deposit and the number of coins stored in a user card. This is used to perform a confirmation process (authentication) of a valid user of the card. The common transaction terminal 2 has a structure in which, when inputting the personal identification number of the user card, which key is being pressed cannot be seen by others nearby. The common transaction terminal is
It was originally provided mainly for the purpose of exchanging money, but its functions have been increased, so it is still sometimes called a money changer.

The dedicated transaction terminals 3 are provided corresponding to the pachinko game machines 4, for example, adjacent to the left side of the corresponding pachinko game machines 4. The pachinko game machines 4 are normally arranged in a row, and the dedicated transaction terminal 3 is connected between adjacent pachinko game machines 4 (except for the one corresponding to the pachinko game machine 4 located at the left end of the row of the pachinko game machines 4). It is also called a Taima ball lending machine because it is originally installed for lending balls primarily. The dedicated transaction terminal 3 lends a ball using cash or a user card. The dedicated transaction terminal 3 is disposed in a narrow space between the adjacent pachinko game machines 4, and when using a user card, it is easy for a person nearby to see which key is being pressed. It has a structure. In addition, the dedicated transaction terminal 3 in the illustrated example is capable of ordering a drink or the like as an additional function. In this case, the payment for the ordered drink may be made by cash, or may be made by deposit of a user card or by saving coins.

The common transaction terminal 2 and the dedicated transaction terminal 3 are all connected to the central management device 1.
Data is sent and received between and.

The user card 5 is used to eliminate the hassle of using one cash at the time of lending a ball, to enable the storage of a ball, and the like. One of them is called a membership card, which is given to those who have registered as members at each pachinko parlor. When a member card is used, the deposit of the member card can be increased by, for example, inserting cash in the common transaction terminal 2 or the dedicated transaction terminal 3, and the deposit in the member card can be paid in the dedicated transaction terminal 3. You can also rent a ball. Part or all of the balls obtained by the game can be deposited (stored) in the membership card in the form of data. The deposited ball can be withdrawn later (the same day or a different day) and used for a game, or can be exchanged for a prize.

If the dedicated transaction terminal 3 is used, a ball can be lent without leaving a seat while playing a game in the pachinko game machine 4. In addition, drinks, food, cigarettes, and the like can be ordered using cash or deposits or savings of cards.

[0016] The use of a card to insert cash to increase a deposit, receive a lending ball, or place an order for a drink or the like is called a transaction. At the time of this transaction, depending on the type of transaction, the user is asked to enter a personal identification number to confirm that the card user is a legitimate user (not that the card has been illegally or improperly obtained).

The collation of the personal identification number is performed by the central management device 1. Therefore, the central management device stores the personal identification number of each card. When the personal identification number is input at the transaction terminals 2 and 3, the personal identification number is sent to the central management device 1, and the central management device 1 notifies the transaction terminals 2 and 3 of the result of the collation of the personal identification number.

The central management unit 1 also receives and stores the deposits of all cards and the stored ball data. These data are used to prevent unauthorized use of the card and to refer to store operations.

The feature of the present embodiment is that a password is input at one of the transaction terminals and a transaction is performed, or a process of confirming that the password is correct at any of the shared transaction terminals 2 (authentication). After the processing) is performed, the user does not need to input a password when trading at the same transaction terminal and another transaction terminal in the same store during a predetermined exemption time, that is, without inputting a password. The point is that it is possible to conduct transactions. In addition, after the transaction without inputting the password is performed in this manner, the input of the password is not necessary at the same transaction terminal and other transaction terminals in the same store within a predetermined exemption time. . That is, once a transaction is performed at any one of the transaction terminals, it is not necessary to input a password at the same or another transaction terminal within a certain exemption period.

Strictly speaking, in the present embodiment, after a transaction is made at any one of the transaction terminals, the card is removed from the same or another transaction terminal within a certain exemption period after the card is pulled out. No input is required. The predetermined exemption time is, for example, several minutes to several hours. However, the predetermined exemption time is set in the central management device 1 and can be changed.

The provision of the exemption time in this manner is such that once the card user is confirmed to be a legitimate user, the card is illegally and unreasonably transferred to another person's hand in a short time. This is rare because the amount of deposits stored on the card and the value of the number of balls are considered to favor convenience over risk.

FIG. 2 schematically shows the configuration of the central management apparatus 1 used in the present embodiment. As illustrated, the central management device 1 includes a control unit 1a, a storage unit 1b, and a key input unit 1c.
And

The storage unit 1b stores card information areas C1, C2,. . . Ci,. . . Cn is provided. Each card information area Ci has a card number area 1
01, password number area 102, timekeeping area (timer) 103
Having. The card information area Ci further includes an area 104 for storing deposit data, and an area 1 for storing coin storage data.
05 is also included. The card information area Ci also includes other areas, which are not shown.

The storage unit 1b further has an exemption time area Ts. This stores the above-mentioned "predetermined exemption time", and the timing in the timing area 103 is performed with this exemption time as an initial value, and counts down as time elapses. Is determined.

The storage unit 1b is further provided with a conversion table Ct indicating the correspondence between the card number and the address of the card information area, and the control unit 1a refers to this conversion table to make the conversion table Ct based on the card number. To access the corresponding card information area Ci.

The card number area 101 in the card information area is provided for confirmation and may be omitted.

FIGS. 3 and 4 are a block diagram and an external view schematically showing the configuration of the shared transaction terminal 2 used in the present embodiment. As shown in FIG. 3, the shared transaction terminal 2 includes a control unit 2a, a display unit 2b, and a key input unit 2c. The display unit 2b displays operation guidance (prompt) and the like. By operating the key input unit 2c in accordance with the guidance displayed on the display unit 2b, it is possible to select a transaction type, input a personal identification number, and input details of a transaction. As shown in FIG. 4, the key input unit 2c is connected to the display unit 2b.
And a key input unit 2c2 for designating the amount of money to be exchanged. The key input section 2c1 includes a key used for inputting a password.
The display part 2b and the key input part 2c1 are formed in a recess drawn from the surface of the common transaction terminal 2, and the key input part 2c
When the user operates 1 to input a password, it is difficult for others around him to see which key is being input.

The common transaction terminal 2 further includes a card insertion slot 2d, an ejection button 2e operated when the card in the card insertion slot 2d is to be ejected, and a coin insertion slot 2f.
, A bill insertion slot 2g, and a cash payout slot 2h.

As described above, transactions that can be performed by the common transaction terminal 2 include (a) an increase in the deposit of the card, and (b) an authentication process (to confirm that the card user is a legitimate user). Confirmation process).

FIGS. 5 and 6 are a block diagram and an external view schematically showing the configuration of the dedicated transaction terminal 3 used in the present embodiment. As shown in FIG. 5, the dedicated transaction terminal 3 has a control unit 3a, a display unit 3b, and a key input unit 3c. The display unit 3b displays operation guidance and the like. Display 3
By operating the key input unit 3c in accordance with the guidance displayed in b, it is possible to select a transaction type, input a password, and input details of the transaction. As shown in FIG. 6, the dedicated transaction terminal 3 has a display section 3b and a key input section 3c, a card insertion slot 3d, and an ejection button 3e operated when the user wants to eject a card in the card insertion slot 3d. , A coin slot 3f, a coin return port 3j, and a ball discharge port 3k.

Transactions that can be made at the dedicated transaction terminal 3 include (c) inserting coins to increase the amount of deposits or increase the number of balls stored. (D) Receiving ball lending using the amount of deposits or balls stored (e) In some cases, an order for drinks or the like is made using cash, a deposit, or a coin.

FIG. 7 shows the display contents of the transaction terminals 2 and 3 at each stage of the operation. FIGS. 8 and 9 show the procedure of transactions between the transaction terminals 2 and 3 and the central management device 1.
The shared transaction terminal 2 and the dedicated transaction terminal 3 differ in the details of the display contents and the details of the operation procedure, but are conceptually the same. Hereinafter, the above-mentioned transaction terminals 2 and 3 and the central management device 1
A description will be given of a procedure of a transaction using the above.

In the initial state, the transaction terminals 2 and 3 display guidance for selecting a transaction type (FIG. 7A) (S0).
1).

In response to this, when the user operates the key input unit to select a transaction type (S0
3) Then, it is determined whether the selected transaction requires insertion of a card (S05).

A description of a process that does not require insertion of a card will be omitted. When the card needs to be inserted, it is determined whether or not the card is already inserted (S0).
7) If it is not inserted, guide the card insertion (FIG. 7)
(B)) is displayed (S09). When the card is inserted in response (S07), it is determined whether the process requires confirmation that the user of the card is a valid user (S11). A description of the process in the case where it is not necessary to confirm that the card user is a legitimate user is omitted. If it is necessary to confirm that the card user is a legitimate user, the transaction terminal reads the card number and notifies the central management device 1 (S13).
Upon receiving the card number, the central management device 1 checks whether the card is within the exemption time (ie, whether it is within the predetermined exemption time from the previous transaction, more specifically, if the card is in the same store). It is determined whether it is within the exemption time after being used at the same or different transaction terminals (S15). To do this, as mentioned earlier,
In the central management device 1, an area 103 for measuring the time from the last use is stored in the card information area Ci corresponding to each card.
The central management device 1 receives the card number and refers to the timekeeping area 103 of the card information area Ci corresponding to the card number. I do.

The central management unit 1 notifies the exclusive transaction terminal 3 of the result of the judgment.

When the result of the determination that the time is not within the exemption time is notified, the transaction terminal provides a display for guiding the input of the personal identification number (FIG. 7C) (S17).

In response to this, when the user inputs the password (S19), it is determined whether the password is correct (S21). Specifically, the input personal identification number is transmitted from the transaction terminals 2 and 3 to the central management device 1 together with the card number, and is stored in the personal identification number area 102 in the card information area Ci corresponding to the card number. It is determined whether the password matches the password. If they match, that is, if the entered password is correct, the details of the transaction are input as in the following, and the transaction is executed (S23). For example, the user is prompted to input the number of balls that he / she wants to lend (FIG. 7 (D)), lends the ball in accordance with the input, and rewrites the information (the number of stored balls or deposit data) in the card accordingly. The data in the card information area of the corresponding card in the central management device 1 is also rewritten. When the transaction is over, the timer area (timer) is reset (S2).
5). That is, the initial value is fixed. Then, it is kept at the initial value until the card is removed later. When the card is removed (S27), the timer is restarted (S29). That is, the countdown from the initial value is restarted. Then, the operation ends.

If the entered password is not correct (S
21), prompting re-entry of the password (S35). However, before that, the input of an incorrect password is counted, that is, counted up (S31), and it is determined whether or not the number of allowable frauds is 3 or more (for example, three times) (S33). If so, an alarm is displayed or the transaction is stopped (S37), and the operation is terminated.

If it is determined in step S15 that the current time is within the exemption time, the process immediately proceeds to step S23. That is,
Instead of prompting for a PIN, enter the details of the transaction,
Perform a transaction.

One of the transactions in the common transaction terminal 2 is “authentication processing” as described above. This is a process for the purpose of certifying that the user of the card is a legitimate user. For example, this process is performed first (before sitting in front of the pachinko game machine) after entering the store. After performing the authentication process, the input of the personal identification number is exempted during the exemption period. In addition, if it is inserted into a dedicated transaction terminal, there is no need to input a password. Furthermore, if the card is withdrawn from one dedicated transaction terminal and the card is used by another dedicated transaction terminal within the exemption time, the input of the personal identification number becomes unnecessary.

To perform the authentication process, first, "authentication process" is selected in the selection of the transaction type. The authentication process is for authentication only. Therefore, step S in FIG.
23 has no substantial content, and “Y” in step S21
Alternatively, immediately after “Y” in step S15, step S
This is equivalent to implementing 25.

If the authentication processing by the shared transaction terminal 2 is used, it is unlikely that a person can see which key is being pressed when inputting the personal identification number. In addition, since the dedicated transaction terminal 3 does not need to input the personal identification number, there is no possibility that the personal identification number can be seen by a person, and the input of the personal identification number can be omitted, so that the convenience of the apparatus is improved.

[0044]

In the above embodiment, the time after the transaction using the card and the removal of the card is measured, and the input of the personal identification number is not required within a predetermined exemption time. a) Within a predetermined exemption time after the operation of the key input unit for the transaction using the card and the rewriting of the data in the card and the central management unit 1 are completed (before the card is removed), or (b) Within a predetermined exemption time after entering the PIN, or (c) after the operation of the key input unit for the transaction with the entered PIN and rewriting of the data in the card and the central management unit 1 is completed Or within the specified exemption time after the operation of the key input unit and the rewriting of the data in the card and the central management unit 1 for the transaction in which the personal identification number was entered, and (d) withdrawal of the card Only if The input of the personal identification number may not be required.

In particular, the cases (b)-(d) are effective for enhancing security. For example, even if the card is illegally transferred to another person's hand within a short time (the above-mentioned predetermined exemption time) after a legitimate user has entered a transaction by inputting a password, the input of the password is not accompanied. Since the transaction is limited to a predetermined exemption period, damage can be reduced.

In the above embodiment, the card is used in a pachinko parlor, but the present invention can be applied to a case where a similar card is used in a game arcade other than the pachinko parlor. Further, the present invention can be performed in the same way as cash at a place other than a game arcade (while confirming that the user is a valid user).
The same applies to the cards used. Furthermore,
The same applies to cash cards used in banks and the like.

Further, an upper limit may be set for the transaction amount (the number of balls and the amount of money) when the input of the personal identification number is omitted. As a result, security against unauthorized use of the card can be improved.

In the above embodiment, if a transaction is performed at any transaction terminal in the same store within a predetermined exemption time after a transaction is performed at any transaction terminal in a certain store, Input is no longer required. The Ri <br/> margin this way may only transaction terminal belonging to locations or groups of store, contrary to not only the store, may be spread within a predetermined area including a plurality of shops .

Also, in the above embodiment, the exemption time is the same for all transaction terminals, but the transaction is performed depending on which transaction terminal is used and / or which transaction terminal is used for the transaction. The exemption time may be different depending on the transaction terminal, and the interaction between the transaction terminal (which caused the timing of the exemption time) and the transaction terminal performing the transaction ( For example, the distance between each other)
The length of the exemption time may be made different depending on the situation.

[0051]

Since the present invention is configured as described above, it is not necessary to input a password every time a transaction is made.
Also, the possibility that a person can see the password during input of the password is reduced. In addition, it is installed near the entrance of the game hall or near the aisle.
Which key is pressed when entering the security code
Secret at a shared transaction terminal that is difficult to see by people around
Enter the number to confirm that you are a valid user
Later, you do not need to enter your PIN for other transactions.
The security code is less likely to be disclosed to others.
The convenience is improved.

[Brief description of the drawings]

FIG. 1 is a block diagram showing devices involved in a transaction using a user card in a pachinko parlor.

FIG. 2 is a block diagram of a configuration of a central management device.

FIG. 3 is a block diagram schematically showing a configuration of a shared transaction terminal.

FIG. 4 is an external view schematically showing a configuration of a common transaction terminal.

FIG. 5 is a block diagram schematically showing a configuration of a dedicated transaction terminal.

FIG. 6 is an external view schematically showing a configuration of a dedicated transaction terminal.

FIG. 7 is a diagram showing display contents of the transaction terminal at each stage of the operation.

FIG. 8 is a flowchart showing a procedure of a transaction between a transaction terminal and a central management device.

FIG. 9 is a flowchart showing a procedure of a transaction between a transaction terminal and a central management device.

[Explanation of symbols]

1: Central management device; 2: Shared transaction terminal; 3: Dedicated transaction terminal; Pachinko game machine; 1a: Control device; 1b: Storage device; 2a, 3a: Control unit;
2b, 3b: display unit; 2c, 3c: key input unit.

──────────────────────────────────────────────────続 き Continued on the front page (58) Field surveyed (Int.Cl. ⁷ , DB name) G07F 7/08 A63F 7/02

Claims (9)

(57) [Claims] 1. The user card number and the password of the user card
Central management that stores the security code and checks the security code
Equipment and It is located in the amusement arcade, connected to the central management device,
Use that has an insertion slot for a user card and is inserted into the insertion slot
Confirm that the user of the user card is a legitimate user.
A plurality of transaction terminals for conducting transactions to The above transaction terminal is Installed near the entrance of the amusement arcade or in the hallway
-You can see what key you are pressing when typing
A difficult shared transaction terminal, Provided adjacent to each pachinko game machine in the amusement arcade
Using a transaction processing device that includes multiple dedicated transaction terminals
In the transaction processing method performed, Enter the PIN for the above confirmation at the shared transaction terminal
Once the transaction has been made, the same
Same or different transactions without having to enter the same PIN
Transactions characterized by permitting transactions on terminals
Processing method. 2. A transaction conducted at the common transaction terminal.
That the user of the user card is a legitimate user
Claims characterized by including transactions for confirmation itself
Item 1. The transaction processing method according to Item 1. 3. The plurality of transaction terminals are located in the same game arcade.
The method according to claim 1, wherein:
2. The transaction processing method according to 2. 4. Setting and changing the predetermined exemption time.
4. The method according to claim 1, further comprising:
Transaction processing method described in somewhere. 5. A transaction without the need to enter a password
When the transaction is permitted, the transaction amount is less than the prescribed value
The feature is that transactions are allowed, provided that
The transaction processing method according to claim 1. 6. The number of the user card and the password of the user card
Central management that stores the security code and checks the security code
Equipment and It is located in the amusement arcade, connected to the central management device,
Use that has an insertion slot for a user card and is inserted into the insertion slot
That the user of the user card is a legitimate user Need confirmation
A plurality of transaction terminals for conducting transactions to The above transaction terminal is Installed near the entrance of the amusement arcade or in the hallway
-You can see what key you are pressing when typing
A difficult shared transaction terminal, Provided adjacent to each pachinko game machine in the amusement arcade
A plurality of dedicated transaction terminals, The central management unit, Enter the PIN for the above confirmation at the shared transaction terminal
Once the transaction has been made, the same
Same or different transactions without having to enter the same PIN
A special feature is that it has means to allow
Transaction processing equipment 7. Transactions performed at the common transaction terminal
That the user of the user card is a legitimate user
Claims characterized by including transactions for confirmation itself
Item 7. The transaction processing device according to Item 6. 8. The plurality of transaction terminals are located in the same game arcade.
7. The method according to claim 6, wherein
8. The transaction processing device according to 7. 9. The system according to claim 6, wherein the central management device is configured to perform the predetermined exemption.
Additional means for making settings and changes between
Transaction processing according to any one of claims 6 to 8, characterized in that:
apparatus.