JPH044283Y2 - - Google Patents

Description

[Detailed description of the invention] (a) Industrial application field This invention relates to a transaction processing device using a card, such as an automatic teller machine or an automatic teller machine.

(b) Prior art Generally, when processing cash payments or deposit transactions in transaction processing devices such as automatic teller machines or automatic teller machines, in order to ensure the safety of transactions,
When a customer inserts their own card into the device and enters the customer's (cardholder's) unique PIN from the keyboard, the PIN prerecorded on the card is read and compared with the PIN entered from the keyboard. Only if a match is found, further processing for the transaction is possible.

(c) Problems that the invention aims to solve Since the conventional transaction processing device described above performs personal verification using only a PIN number, for example, a card maker at a financial institution can create two cards for a customer and use them. There is a problem in that it is possible to keep one card for one's own use and use it illegally, or to create a new customer card by reading the personal identification number etc. from the card registration file and use it illegally.

This invention was made with attention to the above-mentioned problems, and the purpose of this invention is to provide a transaction processing device that can detect when a counterfeit or altered card is used and prevent unauthorized use. shall be.

(d) Means and Effects for Solving the Problems The transaction processing device of the present invention is a transaction processing device that performs transaction processing common to a plurality of stores using a card that records owner-specific information. In addition to a storage area for owner-specific information codes, there is also a transaction store code storage area that is updated for each transaction, and the transaction processing device includes a card reader that reads code data stored in the card, and a transaction processing device. means for storing either the owner-specific information code read by the card reader at the time of the transaction and the transaction store code for the transaction in relation to the other; and a transaction store code read by the card reader at the time of the next transaction processing. a first verification means for comparing and verifying the transaction store code stored in relation to the transaction store code in the storage means; means for transmitting the information code of the device; a second verification means for comparing and verifying the owner-specific information code transferred from the other side and the owner-specific information code stored in the own device; If a match is obtained between the means for transmitting the verification result of the means to the billing transaction store and the first verification means, in response to this, an information code unique to the owner of the read card is stored in the own device. a third verification means for comparing and verifying the information code unique to the owner; a means for authorizing the transaction in response to the verification match of the second or third verification means; and the second or third verification means. and a means for detecting fraudulent use of the card based on a discrepancy in verification.

In this transaction processing device, when a transactor inserts his or her own card into a card reader, the owner's unique information code and the previous transaction store code stored on the card are read. Then, the read previous transaction store code and the transaction store code stored in the storage means are compared and verified by the first verification means. If the verification matches, the owner-specific information code read by the third verification means and the owner-specific information code stored in the storage means are compared and verified, and if a match is obtained here, the transactions are permitted. If no match is found, the card used is treated as a fraudulent card. Also, the first
If a match is not obtained by the matching means, that is, if the previous transaction store codes do not match, the owner-specific information code stored on the card is transferred to the store corresponding to the store code stored on the card. At the transferred store, the owner-specific information code stored in its own device is compared and verified by the second verification means, and the result is transferred to the billing store. If the verification results match, the billing store will permit a normal transaction, but if they do not match, the billing store will treat the used card as a fraudulent card.

(e) Examples This invention will be explained in detail below using examples shown in the drawings.

FIG. 1 is a system block diagram of a transaction processing device in which this invention is implemented. In the figure, two stores A and B and a center device C are shown. Of course, in an actual transaction processing device, terminal devices of many stores are connected to the center device C so as to be able to exchange data, but here, for convenience of explanation, terminal devices of two stores are illustrated.

Store A has n automatic teller machines 1-1, 1-
2...1-n, a line control device 2, a centralized file control device 3, and a centralized monitoring console 4 are installed. Store B also has equipment installed with exactly the same configuration as store B.

As is generally well known, the automatic teller machines 1-1, 1-2, . The card used here has an account
In addition to storing information codes such as No., PIN, and balance amount (hereinafter referred to as owner-specific information code), it also has an area for storing transaction store codes, and the store code of the current transaction is updated and stored.

The line control device 2 is a circuit device that performs control operations when exchanging data with other stores via the center device C. In addition, this line control device 2
Although not shown, control operations may be performed when directly exchanging data with other stores.

The central file control device 3 includes a direct access storage device which is adapted to store an information code unique to the card owner for each transaction. In the pre-transaction status, when the owner-specific information code is transferred, it is checked against the owner-specific information code stored in the storage device and a match or mismatch flag is sent back. . If the card codes match, the card codes in the storage device are erased. In the status after the transaction, the transferred owner-specific information code is stored in the storage device.

Transfer of the owner-specific information code between each store is performed by the line control device 2 via the communication control processing device in the center device C. However, the data may be directly transferred without passing through the center device C using a storage type telecommunication switching network (packet network).

Automatic teller machine 1-1, 1-2 at each store
...1-n card verification processing is executed according to the processing flow shown in FIG.

The operation of the apparatus shown in FIG. 1 will be explained below with reference to the processing flow shown in FIG. 2.

First, the customer uses the automatic teller machine 1-1, 1-2...1
- When a card is inserted into one of the insertion slots, the machine that caught the card insertion (ST1) reads the information data stored in this inserted card, that is, the owner's unique information code and the previous transaction store code. (ST2). Then, it is determined whether the last transaction store code read matches the store code of the own store (ST3). If the two codes match as a result of the determination, the card code is transferred to the centralized file control device 3 (ST4). And centralized file control device 3
The owner-specific information code read from the card is compared with the owner-specific information code in the storage device by referring to the storage device in the card (ST5). If the verification results match, the inserted card is considered to be a normal card and the process proceeds to the next normal process such as cash payment processing (ST
7). Then, the store code is written on the inserted card (ST8), and the information code unique to the owner who processed the transaction is stored in the storage device of the centralized file control device 3 (ST9). Finally, the card is ejected from the insertion slot and returned to the customer (ST10).

If the determination in step ST6 is NO, that is, the owner-specific information code is not stored in the storage device of the centralized file control device 3 of the own store even though the read transaction store code is the own store. is determined to be a fraudulently used card, collects the inserted card into the aircraft (ST17), transmits an operator intervention request signal to the central monitoring console 4, and activates an alarm installed on the central monitoring console 4, for example. (ST18).

If the previous transaction store code read from the card in step ST3 does not match the own store code, the owner-specific information code is transferred by electronic message to the central file control device 3 of the previous transaction store (ST1
1). At the previous transaction store, it is verified whether the transferred owner-specific information code is stored in the storage device (ST12). As a result of the verification, if the owner-specific information code exists in the storage device and the two codes match (ST13), then the owner-specific information code in the storage device is erased (ST14) and the verification result is sent in a message. A flag indicating that they match is transferred to the billing transaction store (ST15).

On the other hand, if a match is not obtained between the two codes in step ST13, that is, if the transferred owner-specific information code is not in the storage device of the centralized file control device 3, a flag indicating a match mismatch is sent via telegram. Transfer to store (ST16).

The billing transaction store determines whether the flag transferred from the transaction store is "verification match" (ST6), and if it is "verification match", the next normal transaction is performed as in the case of the previous transaction own store described above. The automatic transaction is executed (ST7), the store code is written on the card (ST8), the owner's unique information code is stored in the storage device (ST9), and the card is returned (ST10).
I do. Also, if the flag transferred from the previous transaction store is “verification mismatch”, the judgment in ST6 is
If NO, the inserted card is considered to be an unauthorized card, and the inserted card is recovered into the aircraft (ST17), and an operator intervention request signal is transmitted to the central monitoring console 4 (ST18).

According to this embodiment, since the information code unique to the owner of the transaction is stored in the storage device of the last transaction store, the center can check in which store the information code unique to the owner of a certain customer is currently stored. Since it is extremely difficult to do so, it is difficult for even staff members at the center to forge or alter cards.

In addition, in the above embodiment, it is assumed that the transaction store code stored on the card is only one store.
The card is equipped with an area for storing the store code for the previous transaction and the store code for the transaction before the previous transaction, and at the transaction processing store, if the own store code is stored in one of the storage areas of the card, the store will first concentrate on the store. By referring to the storage device of the file control device, if the information code unique to the owner is stored in the storage device, it may be processed as verification OK. In this way, if a customer constantly transacts at two stores, one at his place of work and one at his place of residence, each store must first refer to its own centralized falsification control device, and in the case of a normal card, it can almost always be verified at other stores. The ratio of data transferred to other sites is reduced, allowing for efficient operation.

Furthermore, in the above embodiment, for each transaction, each store stores an information code unique to the owner of the transaction card, and the information code unique to the owner stored in the previous transaction store is erased. Alternatively, each time the card is used for a transaction, the transaction store code may be sent from each store to the center device C and further stored in the account file of the center device C's memory. In this case, the previous transaction store will be confirmed by the center device C from the transaction store.

(f) Effects of the invention As described above, according to the transaction processing device of this invention, the card stores the code of the last transaction store, and the device also stores the information code unique to the owner and the store of the previous transaction. The owner-specific information code and the previous transaction store code stored in the card at the time of the current transaction are stored in association with the owner-specific information code and the previous transaction store code stored in the device in relation to each other. Since the card is checked for unauthorized use by comparison and verification, even if a card creator at a financial institution forges or alters a fraudulent card, the card master file alone cannot confirm the previous transaction store code. First, it is difficult to create a card similar to a normal card. Even if some kind of transaction store code is put on a forged or altered card and used, the transaction store code of the normal card changes along with the transaction, so when it is compared, there will be a discrepancy and subsequent processing will not be possible.
Unauthorized use can be prevented.

[Brief explanation of the drawing]

FIG. 1 is a system block diagram of a transaction processing device in which this invention is implemented, and FIG. 2 is a processing flow diagram for explaining the operation of the device shown in FIG. 1-1, 1-2...1-n...Automated teller machine, 2...Line control device, 3...Centralized file control device, 4...Centralized monitoring console, A, B...Store, C
...Center device.

Claims (1)

[Scope of Claim for Utility Model Registration] In a transaction processing device that performs common transaction processing for multiple stores using a card on which information unique to the owner is recorded, the card has a storage area for the information code unique to the owner. , a transaction store code storage area that is updated for each transaction, and the transaction processing device includes a card reader that reads code data stored in the card, and an owner-specific code read by the card reader at the time of transaction processing. means for storing either an information code and a transaction store code for the transaction in relation to the other; and a transaction store code read by the card reader at the time of the next transaction processing and the transaction stored in association with the storage means. A first verification means for comparing and verifying the store code, a means for transmitting the information code unique to the owner of the card read to the previous transaction store if a match is not obtained by the first verification means, and a means for transmitting it from the other side. a second collation means for comparing and collating the owner-specific information code that has been used and the owner-specific information code stored in the own device;
means for transmitting the verification result of the verification means to the billing transaction store; and if a match is obtained by the first verification means, in response, the information code unique to the owner of the read card and the own device are transmitted; a third verification means for comparing and verifying the stored owner-specific information code;
The present invention further comprises: means for permitting a transaction in response to a matching match of the second or third matching means; and means for detecting fraudulent use of the card based on a matching discrepancy between the second or third matching means. Characteristic transaction processing device.