JPH0344341B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (1) Technical Field of the Invention The present invention relates to an automatic transaction system for controlling input and output of deposits.

(2) Background of the invention In financial institutions such as banks, input/output control of deposits and savings is performed using an online system using large computers, but input/output control of deposits within companies with a small number of customers is performed using an online system. It is common practice.

(3) Prior art and problems Even in online systems, customer transactions are carried out in automatic transaction devices, but the account data used for online transactions is stored on the card held by the customer, such as account number, PIN number, balance (payable amount), etc. Transactions are performed based on this card by entering information such as balance), payment limit, date of most recent use, expiration date, etc.
Each customer transaction data is recorded on a floppy disk or the like, and the customer master file is updated, for example, once a day by batch processing by a host computer.

However, with the above-mentioned conventional system, there are problems with card security such as card theft, loss, and data readability.Therefore, although online accounts have a payment limit, there is no way to quickly prevent unauthorized use. Furthermore, after an online transaction, the host side must perform batch processing and update the master file on the host side.

(4) Purpose of the Invention The purpose of the present invention is based on the concept of providing an automatic transaction device with a customer file consisting of account data such as account number, PIN, balance, and transaction records. The security of the card is increased by removing the PIN number from the card, and the customer file is connected to the host computer by line as necessary, increasing the security of the customer file and further increasing the security of the card. The purpose is to enable quick response to accidents and to solve the problems with the conventional type mentioned above.

(5) Structure of the invention In order to achieve the above-mentioned object, according to the present invention,
In an automated trading system that updates the customer master file as necessary between a host computer equipped with a customer master file and an automatic transaction device, the automatic transaction device is provided with transaction information including a PIN number corresponding to each customer. A customer file is provided for storing the customer information, and the customer transaction information in the customer file is updated for each customer transaction, and the updated customer transaction information is used to update the customer master file via a line depending on the presence or absence of the transaction. An automatic trading system is provided, characterized in that the automatic trading system is updated by

(6) Embodiments of the invention Examples of the invention will be described below with reference to the drawings.

FIG. 1 is a block circuit diagram showing an embodiment of an automatic transaction system according to the present invention. In Figure 1, the host system is a host (computer).
1. Has a customer master file 11. On the other hand, the terminal (automatic transaction device) 2 has a main control unit 21 and a host 1.
A line control unit 22, a line buffer 23, a transaction control unit 24, and a customer file management unit 2 that control the line with
5, a customer file 26, and a customer information register 27.

28 is a cash counter; 29 is a cash counter control unit that controls the cash counter 28;

30 is a card reader for reading a card, 31 is an internal imprinter, and 32 is a statement printer, which are controlled by a CIP control unit 33.

34 is a card magnetic stripe buffer that stores data read by the card reader 30;
35 is an account number register that receives and stores the account number stored in the buffer 34.

36 is a print buffer attached to the CIP control section 33.

37 is a keyboard, 38 is a key input control section of the keyboard 37, 39 is an input password register for receiving an input password from among the data inputted by the keyboard 37, and 40 is a register for inputting the value of the input password register 39 and the customer information register 27. 41 is an input amount register that receives the keyed-in amount from among the data entered using the keyboard 37; 42 is the balance data that has been entered into the customer information register 27; This is a calculation unit that calculates (adds or subtracts) the value of the input amount register 41 and the value of the input amount register 41.

Next, the message operation between the host 1 and the terminal 2 will be explained with reference to FIG. 2 and FIGS. 3A to 3F.

The account data ai in the customer file 26 of the terminal 2 is composed of the minimum necessary data as shown in FIG. 3A. For example, it consists of an 8-digit account number, a 4-digit password, an 8-digit balance (in yen), and 4-digit transaction records 1 and 2 (in 1,000 yen).
When the account data is transmitted, it is also transmitted using a telegram having the same data format as that shown in FIG. 3A. Also, when transmitting account data from host 1 to terminal 2,
“000” is entered in each transaction record, and if it is an accident account, a special code such as “FFF” is entered in the transaction record. On the other hand, when transmitting account data from the terminal 2 to the host 1, each transaction record contains the amount of money transacted at the terminal 2. In addition,
The most significant digit of the transaction record is for entering the transaction type, ie A (withdrawal), B (deposit). First, in order to close the terminal 2, the host 1 sends the station closing message shown in FIG. 3B to the terminal 2 as a terminal closing command. As a result, terminal 2 is closed.

Next, the host 1 sends a customer file transmission request message as shown in FIG. 3B to the terminal 2 as a customer file transmission instruction. As a result, terminal 2
The account data ai with transaction records is organized into blocks as shown in Figure 3C and sent to the host 1 in multiple batches.
Send to. When the final block has been sent,
As shown in FIG. 3D, the terminal 2 sends the number of accounts sent so far to the host 1 as a message. As a result, the host 1 can check whether the file has been sent correctly. If the file sending is correct, the host 1 updates the customer master file 11 using these data.

Next, the host 1 performs an operation to open the terminal 2. First, the host 1 sends a date message telegram to the terminal 2 as shown in FIG. 3E, and as a result, the terminal 2 registers the new date and message in the device.

Next, the host 1 sends the account data of the customer master file 11 to the terminal 2 as a message in the data format shown in FIG. 3C. After receiving the final block of the message shown in FIG. 3C, terminal 2 sends to host 1 the total number of accounts sent by host 1 and the total balance included in each account, as shown in FIG. 3F. Send. As a result, the host 1 can check whether the file has been sent correctly. If the file transmission is performed correctly, the host 1 sends a station opening message as shown in FIG. 3B to the terminal 2, and as a result, the terminal 2 is opened.

The host 1 can also send a file update or reference request message to the terminal 2 as necessary. For example, when an accidental account occurs, the host 1 enters a special code into the transaction record of the corresponding account in the customer file of the terminal 2. Further, when the host 1 wants to know the current balance of a certain account, the data of the corresponding account is sucked up from the terminal 2.

In this way, files are updated as necessary between host 1 and terminal 2, so
The terminal 2 itself can perform operations similar to an online system.

Next, customer transactions will be explained. It is assumed that the customer card contains only the account number. When the customer inserts the card, the card reader 3
The account number is read by 0, and this account number data is sent to the customer file management unit 25 via the CIP control unit 33, buffer 34, and account number register 35.
will be forwarded to. Subsequently, the customer file management section 25 searches the customer file 26. As a result, if there is no corresponding account number, that fact is transmitted from the customer file management section 25 to the transaction control section 24,
The card will be returned and the transaction will be cancelled.

On the other hand, if the corresponding account number is in the customer file 26, the customer file management section 25 causes all the corresponding account data to be transferred to the customer information register 27.

Next, the input password keyed in by the customer is compared with the password data in the customer information register 27. As a result, if these two data do not match,
This information is transmitted to the transaction control unit 24, the card is returned, and the transaction is canceled.

On the other hand, if the password data match, the amount keyed in by the customer is compared with the balance in the customer information register 27, and the balance is updated.
Enter the current transaction amount in the transaction record.

In this way, the customer file 26 of the terminal 2 has the following information:
The customer's card functions as it would in an online system, as the account number, pin number, balance and transaction records are stored.

(7) Effects of the Invention As explained above, according to the present invention, the security of the card is improved because the card's PIN is entered into the customer file of the terminal (automatic transaction device) and the PIN is removed from the card. In addition, files are updated as necessary between terminal 2 and host 1 without batch processing, so the terminal itself operates like an online system.
Therefore, the security of customer files is improved, and unauthorized use can be quickly responded to.

[Brief explanation of drawings]

Fig. 1 is a block circuit diagram showing an embodiment of the automatic trading system according to the present invention, Fig. 2 is a timing diagram for explaining the operation of the system of Fig. 1, and Fig. 3 is a block circuit diagram of the system of Fig. 1. FIG. 3 is a diagram showing the format of a message used for the operation. 1...Host (computer), 2...Terminal (automatic transaction device), 11...Customer master file,
26...Customer file.

Claims (1)

[Claims] 1. In an automated trading system that updates the customer master file as necessary between a host computer equipped with a customer master file and an automated transaction device, transaction information including a PIN number corresponding to each customer is stored in the automated transaction device. A customer file is provided for storing the customer information, and the customer transaction information in the customer file is updated for each customer transaction, and the updated customer transaction information is used to update the customer master file via a line depending on the presence or absence of the transaction. An automatic trading system characterized in that it is updated by