JP3869401B2 - Transaction processing method - Google Patents

Description

  The present invention relates to a transaction processing method and a transaction processing apparatus performed using a transaction card.

  In a transaction performed using a transaction card, it may be necessary to confirm that the user of the card is a valid user of the card (a person who has usage authority) during the transaction. As a confirmation method, it is common to input a personal identification number prior to the transaction and determine whether or not the inputted personal identification number matches the personal identification number of the card.

  However, it is troublesome for the user to enter a password for each such transaction. In addition, in the case of a terminal having a structure in which it is easy for another person in the vicinity to see the input of the personal identification number, there is a possibility that the personal identification number can be seen.

  The present invention has been made in view of the above, and its purpose is to make sure that the card user is a legitimate user and to take the trouble of inputting a personal identification number for each transaction. It is to lose.

  Another object of the present invention is to reduce the risk of the password being seen by others.

The present invention
A central management device for storing the number of the user card and the password of the user card;
A transaction that is placed in a store, connected to the central management device, has a user card insertion slot, and requires confirmation that the user of the user card inserted into the insertion slot is a valid user. A plurality of transaction terminals for performing,
The transaction terminal
Is installed at the entrance or near passage of the store, and share transaction terminal of the structure so as not to be seen in the people around what are pressing any key when the key input of the personal identification number,
In a transaction processing method performed using a transaction processing device including a plurality of dedicated transaction terminals provided in a store,
In any transaction terminal, when a user card is inserted into the insertion slot and it is necessary to confirm that the user of the user card is a valid user, the card number is read. Inform the central management unit,
In the central management device, upon receipt of the card number, it is determined whether or not the time measured since the card was used for the previous transaction at the transaction terminal in the store is within a predetermined exemption time, and the determination result is determined as described above. Let the trading terminal know,
When the transaction terminal is informed of the judgment result that it is not within the exemption time, it displays a password entry guidance, and when the password is entered, the user of the user card is authorized to use it. Confirm that you are
Then, within a predetermined exemption time, a transaction processing method is provided that allows transactions to be performed at the same or different transaction terminals without requiring the input of the same password .

The present invention also provides
When a user card is inserted into the insertion slot and it is necessary to confirm that the user of the user card is a valid user, the process of reading the card number and notifying the central management device is The method implemented with the said shared transaction terminal may be sufficient .
The present invention also provides
The predetermined exemption time may be a method within a predetermined exemption time after the card is extracted from the transaction terminal.
The present invention also provides
Confirmation process that the user of the above user card is a valid user
Sending the personal identification number from the transaction terminal to which the personal identification number has been input to the central management device,
The central management device may be a method in which the personal identification number sent from the transaction terminal is compared with the stored personal identification number of each card, and the verification result is notified to the transaction terminal.
The present invention also provides
Confirmation process that the user of the above user card is a valid user
In the central management device, together with the determination result that the card is not within the predetermined exemption time, inform the transaction terminal of the stored personal identification number of each card,
The transaction terminal may be a method of collating a password entered when it is not within the exemption time with a password notified from the central management device.

  In the present invention, when a transaction requiring confirmation that the card user is a valid user is performed at the transaction terminal, once the PIN is entered and the transaction is performed, the same within the predetermined exemption time thereafter. The present invention provides a transaction processing method characterized by allowing a transaction without requiring the input of a personal identification number.

  Once a PIN is entered at a transaction terminal belonging to the predetermined group and a transaction is performed, the same PIN is input at the same or another transaction terminal belonging to the predetermined group within a predetermined exemption period. It is good also as accepting that dealings are performed without requiring.

  The transaction may be an authentication process for the purpose of confirming that the card user is a valid user.

  When a transaction is performed without requiring the input of the personal identification number, the personal identification number may not be required for another transaction even within a predetermined time from that time.

  The said predetermined group may be comprised by the transaction terminal arrange | positioned in the same store.

  Within the predetermined exemption time after the above transaction or confirmation is performed and the card is withdrawn from the transaction terminal, the transaction may be permitted without requiring the same password.

  During the transaction or confirmation, the transaction may be allowed to be performed without requiring the input of the same password within a predetermined exemption time from the input of the password.

  The transaction may be performed without requiring the input of the same personal identification number within the predetermined exemption time after the transaction is performed without requiring the input of the personal identification number and the card is removed from the transaction terminal.

  Furthermore, in the transaction processing apparatus for performing a transaction that requires confirmation that the card user is a valid user, the present invention requests the card insertion port and the input of a personal identification number when the card is inserted. Means, a means for confirming whether the code number is correct when the code number is inputted, a means for measuring the time after the transaction is confirmed after confirming that the code number is correct, and a transaction thereafter. Means for determining whether a predetermined exemption time has elapsed with reference to the result of the time counting in the time measuring means, and the password if it is within the predetermined exemption time A transaction processing apparatus is provided that includes means for allowing execution of a transaction without requesting the input.

  The transaction processing apparatus comprises a central management device and a plurality of transaction terminals connected to the central management device, the timekeeping means is provided in the central management device, and the transaction terminal is connected to the central management device Once a PIN is entered and a transaction is made in any of the above, the same or other transaction terminals belonging to the above-mentioned predetermined group will not be required to enter the same PIN during the prescribed exemption period. It may be acceptable.

  The transaction may be an authentication process for the purpose of confirming that the card user is a valid user.

  When a transaction is made without requiring the input of the personal identification number, the timekeeping means has a means for restarting the timekeeping, and this restart makes it possible to perform a personal transaction when performing other transactions within a predetermined exemption period from that time. It is good also as making the input of a number unnecessary.

  The means for measuring time may be one that measures time after the transaction or confirmation is performed and the card is removed from the transaction terminal.

  The means for measuring time may be one that measures time from the input of a password at the time of the transaction or confirmation.

  The means for restarting the timing may restart the timing after the transaction is performed without requiring the input of the personal identification number and the card is removed from the transaction terminal.

The plurality of transaction terminals may be arranged in the same store.
Means for confirming the personal identification number may be provided in the central management device.

  Means for measuring the time may be provided in the central management apparatus, and further, means for setting and changing the predetermined exemption time may be provided.

  Since the present invention is configured as described above, it is not necessary to input a personal identification number every time a transaction is made, and the possibility that the personal identification number can be seen by a person during the input of the personal identification number is reduced.

  Hereinafter, the case where the present invention is applied to a transaction card in a pachinko parlor, that is, a user card used in a shared transaction terminal and a dedicated transaction terminal will be described.

  FIG. 1 shows devices 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 may be collectively referred to simply as a transaction terminal.

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

  For example, the shared transaction terminal 2 is installed near the entrance of a pachinko parlor or in a passage, and can exchange cash, insert cash to increase the number of deposits and storage of user cards, It is used to perform confirmation processing (authentication) of being a legitimate user. The shared transaction terminal 2 is structured such that no one else can see which key is being pressed when inputting the password of the user card. Although the shared transaction terminal was originally provided mainly for currency exchange, it has an increased function, and is still sometimes called a currency exchange machine.

  The dedicated transaction terminal 3 is provided adjacent to the left side of the corresponding pachinko game machine 4, for example, corresponding to the pachinko game machine 4. The pachinko game machines 4 are usually arranged in a line, and the dedicated transaction terminal 3 is located between adjacent pachinko game machines 4 (except for the one corresponding to the pachinko game machine 4 located at the left end of the line of the pachinko game machines 4). Since it was originally installed for the main purpose of lending balls, it is also referred to as a stand-by ball lending machine. The dedicated transaction terminal 3 lends the ball using cash or a user card. The dedicated transaction terminal 3 is arranged in a narrow space between adjacent pachinko game machines 4, and when using a user card there, it is easy for a nearby person to see which key is pressed. It has a structure. In addition, the dedicated transaction terminal 3 in the illustrated example can order drinks and the like as an additional function. In this case, payment for the ordered drink may be made in cash, or may be made with a deposit or savings in a user card.

  The shared transaction terminal 2 and the dedicated transaction terminal 3 are all connected to the central management device 1 and exchange data with the central management device 1.

  The user card 5 is used to eliminate the hassle of using cash one by one when lending balls, enabling savings and the like. One of them is called a membership card and is given to those who have registered as members in each pachinko parlor. When a membership card is used, the deposit amount of the membership card can be increased by, for example, inserting cash at the shared transaction terminal 2 or the dedicated transaction terminal 3, and the deposit within the membership card is paid for at the dedicated transaction terminal 3. You can also borrow a ball. Further, a part or all of the balls acquired by the game can be deposited (stored) in the membership card in the form of data. The deposited balls can be withdrawn later (on the same day or different days) and used for games, or can be exchanged for prizes.

  When the dedicated transaction terminal 3 is used, it is possible to receive a ball lending without removing the seat while playing in the pachinko game machine 4. In addition, it is possible to place an order for drinks, food, cigarettes, etc., using cash or card deposits or savings as payment.

  Adding money using a card to increase deposits, receiving ball lending, and ordering drinks are called transactions. When making this transaction, depending on the type of transaction, a card number is entered and verified to confirm that the card user is a legitimate user (not a card that has been illegally or illegally obtained).

  The central management device 1 collates the password. For this reason, the central management apparatus stores the personal identification number of each card. When the transaction terminal 2 or 3 receives the password, it is sent to the central management device 1, and the central management device 1 informs the transaction terminals 2 and 3 of the result of the password verification.

  The central management device 1 also receives and stores the deposit and savings data of all cards. These data are used to prevent unauthorized use of the card and to guide the operation of the store.

  A feature of the present embodiment is that a process (authentication process) for confirming that a personal identification number is once entered at one of the transaction terminals and a transaction is performed or that the personal identification number is correct at one of the common transaction terminals 2 is performed. Once this is done, it is not necessary to enter a PIN when making transactions at the same transaction terminal and other transaction terminals in the same store within the prescribed exemption time. It is a point that can be done. In addition, after a transaction that does not involve entering a password is performed in this way, it is not necessary to enter a password at the same transaction terminal and other transaction terminals in the same store within a predetermined exemption period. . That is, once a transaction is carried out at one of the transaction terminals, it is not necessary to input the 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 transaction terminal, it is not necessary to enter a PIN at the same or another transaction terminal within a certain exemption time after the card is pulled out. And 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 exemption time is set in such a way that once a card user is confirmed to be a legitimate user, the card is illegally and unfairly delivered to another person's hand within a short period of time. This is because it is considered rare to focus on convenience rather than risk in terms of the amount of deposits stored in the card and the value of the number of balls.

  FIG. 2 shows an outline of the configuration of the central management device 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.

  The storage unit 1b has card information areas C1, C2,. . . Ci,. . . Cn is provided. Each card information area Ci has a card number area 101, a password number area 102, and a timing area (timer) 103. The card information area Ci further includes an area 104 for storing deposit data and an area 105 for storing stored ball data. The card information area Ci further includes other areas, which are not shown.

  The storage unit 1b further has an exemption time region Ts. This is to store the above-mentioned “predetermined exemption time”, and the time counting in the time counting area 103 is performed with this exemption time as an initial value, counts down with the passage of time, and when it reaches zero, the predetermined exemption time has elapsed. To be judged.

  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 correspond based on the card number. The card information area Ci is accessed.

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

  3 and 4 are a block diagram and an external view showing an outline of 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 an operation guide (prompt) and the like. By operating the key input unit 2c according to the guidance displayed on the display unit 2b, it is possible to select a transaction type, input a personal identification number, input transaction details, and the like. As shown in FIG. 4, the key input unit 2c is divided into a key input unit 2c1 adjacent to the display unit 2b and a key input unit 2c2 for designating the exchange amount. Key input unit 2c1 includes a key used for inputting a password. The display unit 2b and the key input unit 2c1 are formed in a dent drawn from the surface of the shared transaction terminal 2, and when a password is input by operating the key input unit 2c1, which key is input from another person around. It is difficult to see what they are doing.

  The shared transaction terminal 2 further includes a card insertion slot 2d, an ejection button 2e that is operated when a card in the card insertion slot 2d is to be removed, a coin insertion slot 2f, a bill insertion slot 2g, and a money dispensing slot 2h. And are provided.

As mentioned above, in transactions that can be performed with the shared transaction terminal 2,
(B) Increase in deposits on cards,
(B) Authentication processing (processing to confirm that the card user is a valid user)
There is.

  5 and 6 are a block diagram and an external view showing an outline of the configuration of the dedicated transaction terminal 3 used in the present embodiment. As shown in FIG. 5, the dedicated transaction terminal 3 includes a control unit 3a, a display unit 3b, and a key input unit 3c. The display unit 3b displays operation guidance and the like. By operating the key input unit 3c according to the guidance displayed on the display unit 3b, it is possible to select a transaction type, input a personal identification number, input transaction details, and the like. As shown in FIG. 6, in addition to the display unit 3b and the key input unit 3c, the dedicated transaction terminal 3 includes a card insertion slot 3d, and an eject button 3e that is operated when it is desired to remove the card in the card insertion slot 3d. A coin insertion port 3f, a coin return port 3j, and a ball discharge port 3k are provided.

For transactions that can be performed at the dedicated transaction terminal 3,
(C) Inserting coins to increase deposits or increase the amount of money stored
(D) Receiving balls using deposits or savings
(E) Drinks may be ordered using cash, deposits, or savings.

  FIG. 7 shows the display contents of transaction terminals 2 and 3 at each stage of operation. 8 and 9 show a transaction procedure by the transaction terminals 2 and 3 and the central management device 1 described above. The shared transaction terminal 2 and the dedicated transaction terminal 3 are different in details of display contents and operation procedures, but are conceptually the same. Hereinafter, the procedure of the transaction using the transaction terminals 2 and 3 and the central management device 1 will be described.

  In the initial state, transaction terminals 2 and 3 display a transaction type selection guide (FIG. 7A) (S01).

  In response to this, when the user selects a transaction type by operating the key input unit (S03), it is next determined whether or not the selected transaction requires insertion of a card ( S05).

  A description of processing that does not require card insertion will be omitted. If it is necessary to insert a card, it is determined whether or not a card has already been inserted (S07), and if not, a card insertion guide (FIG. 7B) is displayed (S09). If a card is inserted accordingly (S07), it is next determined whether or not the process requires confirmation that the card user is a valid user (S11). The description of the processing when it is not necessary to confirm that the card user is a valid user will be omitted. If it is necessary to confirm that the card user is a valid user, the card number is read at the transaction terminal and notified to the central management apparatus 1 (S13). Upon receiving the card number, the central management device 1 determines whether or not the card is within the exemption time (that is, whether or not the card is within a predetermined exemption time from the previous transaction. More specifically, the card is in the same store. It is determined whether it is within the exemption time after being used in the same or different transaction terminal (S15). In order to do this, as described above, in the central management device 1, an area 103 for measuring the time from the previous use is provided in the card information area Ci corresponding to each card, and stored therein. Timing data is counted down with time. When the central management device 1 receives a card number, the central management device 1 refers to the timing area 103 of the card information area Ci corresponding to the card number.

  The central management device 1 informs the dedicated transaction terminal 3 of the determination result.

  When the determination result indicating that it is not within the exemption time is informed, the transaction terminal displays 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 password is sent from the transaction terminals 2 and 3 to the central management device 1 together with the card number, and is stored in the password area 102 in the card information area Ci corresponding to the card number. A determination is made as to whether it matches the current password. If they match, that is, if the entered password is correct, the details of the transaction are input in the same manner as before, and the transaction is executed (S23). For example, it prompts the user to input the number of balls he wants to lend (FIG. 7D), lends the ball according to the input, and rewrites the information in the card (the number of stored balls or deposit data) accordingly. The data in the card information area of the corresponding card in the central management device 1 is also rewritten. When the transaction ends, the timekeeping area (timer) is reset (S25). That is, the initial value is fixed. Then, the initial value is kept 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 resumed. Then, the operation ends.

  If the entered security code is not correct (S21), the user is prompted to re-enter the security code (S35). However, before that, the number of illegal passwords entered is counted, that is, counted up (S31), and it is determined whether or not the number of allowable frauds has exceeded (for example, 3 times) (S33). If it is, a warning is displayed or the transaction is stopped (S37), and the operation is terminated.

  If it is determined in step S15 that it is within the exemption time, the process immediately proceeds to step S23. In other words, the transaction details are executed by not inputting the password and guiding the details of the transaction.

  One of the transactions in the shared transaction terminal 2 is “authentication processing” as described above. This is a process intended to prove that the card user is a legitimate user. For example, this process is performed first after entering the store (before sitting in front of the pachinko game machine). When the authentication process is performed, the input of the personal identification number is exempted during the exemption time thereafter. Also, if it is inserted into a dedicated transaction terminal, it is not necessary to enter a personal identification number. Furthermore, if the card is pulled out from one dedicated transaction terminal and used in another dedicated transaction terminal within the exemption time, it is not necessary to input a personal identification number.

  To perform the authentication process, first, “authentication process” is selected in the selection of the transaction type. The authentication process is for authentication only. Accordingly, there is no substantial content of step S23 in FIG. 9, which is equivalent to performing step S25 immediately after “Y” in step S21 or “Y” in step S15.

  If the authentication process by the shared transaction terminal 2 is used, it is unlikely that a person will be able to see which key is being pressed when entering a personal identification number. Further, since the dedicated transaction terminal 3 does not require the input of a personal identification number, the personal identification number is not likely to be seen by a person, and the convenience of the apparatus is improved because the personal identification number can be omitted.

  In the above-described embodiment, the personal identification number is collated in the central management apparatus 1, but the personal identification number may be collated in the transaction terminal. In this case, it is necessary to send data indicating a personal identification number from the central management device 1 to the transaction terminal.

In the above embodiment, the time after a transaction using a card is performed and the card is withdrawn is measured, and it is not necessary to enter a PIN if it is within a predetermined exemption time, but instead,
(a) Within the prescribed exemption time after the operation of the key input unit for transactions using the card and the rewriting of data in the card and the central management device 1 (before the withdrawal of the card), or
(b) Within the prescribed exemption time after entering the PIN, or
(c) Within the prescribed exemption time after the operation of the key input unit for the transaction for which the PIN has been entered and the rewriting of the data in the card and the central management device 1 are completed, or
(d) Only when the operation of the key input unit for transactions for which the PIN code has been entered and the rewriting of data in the card and the central management unit 1 have been completed and the card has been withdrawn within the prescribed exemption time, You may not need to enter a password.

  In particular, cases (b) to (d) are effective in enhancing security. For example, even if a legitimate user enters a personal identification number for a transaction, and the card is illegally delivered to another person within a short period of time (the above exemption time), the personal identification number is not entered. Since the transaction is limited within a predetermined exemption time, damage can be reduced.

  In the above embodiment, the card is used in a pachinko parlor, but the present invention can also be applied to the case where a similar card is used in a game hall other than a pachinko parlor. Furthermore, the present invention can be similarly applied to a card used in a place other than a game arcade in the same manner as cash (while confirming that the user is a valid user). Furthermore, it can be similarly applied to a cash card used in a bank or the like.

  In addition, an upper limit may be set for the transaction amount (the number of balls, the amount) when the password is not input. As a result, security against unauthorized use of the card can be improved.

  In the above embodiment, when 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 store, the password is entered. It was unnecessary. Instead of doing this, it is not necessary to enter a PIN when transactions are made within the prescribed exemption time at the same transaction terminal, and only for transaction terminals belonging to a certain place or group within the store. On the contrary, it is not limited to the inside of the store, but may be spread within a certain area including a plurality of stores.

  Also, in the above embodiment, the exemption time is the same for all transaction terminals, but depending on which transaction terminal the transaction was performed on and / or on which transaction terminal the transaction is attempted to be performed The exemption time may vary, and the mutual relationship between the transaction terminal (which caused the exemption time measurement) and the transaction terminal that is attempting the transaction (for example, between each other) The length of the exemption time may be varied according to the distance.

It is the block diagram which showed the apparatus involved in the transaction by a user card in a pachinko parlor. It is a block diagram of a structure of a central management apparatus. It is a block diagram which shows the outline of a structure of a shared transaction terminal. It is an external view which shows the outline of a structure of a shared transaction terminal. It is a block diagram which shows the outline of a structure of a dedicated transaction terminal. It is an external view which shows the outline of a structure of a dedicated transaction terminal. It is a figure which shows the display content of the transaction terminal in each step of operation | movement. It is a flowchart which shows the procedure of the transaction by a transaction terminal and a central management apparatus. It is a flowchart which shows the procedure of the transaction by a transaction terminal and a central management apparatus.

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; Key input part.

Claims (5)

A central management device for storing the number of the user card and the password of the user card;
A transaction that is placed in a store, connected to the central management device, has a user card insertion slot, and requires confirmation that the user of the user card inserted into the insertion slot is a valid user. A plurality of transaction terminals for performing,
The transaction terminal
A shared transaction terminal that is installed near the entrance of the store or in the aisle and has a structure that is not visible to the surrounding people who is pressing the key when entering the PIN code,
In a transaction processing method performed using a transaction processing device including a plurality of dedicated transaction terminals provided in a store,
In any transaction terminal, if a user card is inserted into the insertion slot and it is necessary to confirm that the user of the user card is a valid user, read the card number. Inform the central management unit,
In the central management device, upon receiving the card number, it is determined whether or not the time measured since the card was used for the previous transaction at the transaction terminal in the store is within a predetermined exemption time, and the determination result is Let the trading terminal know,
When the transaction terminal is informed of the judgment result that it is not within the exemption time, it displays a password entry guidance, and when the password is entered, the user of the user card is authorized to use it. Confirm that you are
A transaction processing method characterized by allowing transactions to be performed at the same or different transaction terminals without requiring the input of the same password during a predetermined exemption period thereafter. When a user card is inserted into the insertion slot and it is necessary to confirm that the user of the user card is a valid user, the process of reading the card number and notifying the central management device is The transaction processing method according to claim 1, wherein the transaction processing method is performed at the shared transaction terminal . The transaction processing method according to claim 1 or 2, wherein the predetermined exemption time is within a predetermined exemption time after the card is extracted from the transaction terminal . Confirmation process that the user of the above user card is a valid user
Sending the personal identification number from the transaction terminal to which the personal identification number has been input to the central management device,
In the central management device, the personal identification number sent from the transaction terminal is compared with the stored personal identification number of each card, and the verification result is notified to the transaction terminal.
The transaction processing method according to any one of claims 1 to 3 . Confirmation process that the user of the above user card is a valid user
In the central management device, together with the determination result that the card is not within the predetermined exemption time, inform the transaction terminal of the stored personal identification number of each card,
In the transaction terminal, the password entered when it is not within the exemption time is checked against the password notified from the central management device.
The transaction processing method according to any one of claims 1 to 3 .

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