JPH06131385A - Check processing method for cipher code at time of transaction - Google Patents

Abstract

PURPOSE:To improve an operability viewed from a customer by checking a cipher code without performing a communication with a center by comparing the cipher code inputted at first with the cipher code inputted since the second time by a transaction device. CONSTITUTION:For example, at the time of the transaction in which a cipher code input is operated plural times such as a payment transaction after a balance inquiry, the first cipher code check is operated by a center 2, and the inputted cipher code is stored in a transaction device (for example, automatic money paying and receiving machine) 1. Then, at the time of receiving a transaction permission signal from a center 1 by the first communication with the center 2, the cipher code inputted at first is recognized as the correct one, and at the time of the input of the cipher code since the second time, the cipher code inputted by a customer is compared and collated with the stored cipher code. Therefore, at the time of the input of the cipher code since the second time, it is not necessary to communicate with the center 2 every time just like convention, an input response to the customer can be fastened, and the operability viewed from the customer can be improved.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a code checking method for an automatic depositing / dispensing machine.

Conventionally, there are transactions such as payment after balance inquiry or interlocking with balance inquiry payment. In this transaction, if the balance is not known, a transaction for balance inquiry is made,
After confirming the balance, the transaction for payment is carried out.

In this case, for security reasons, after confirming the balance by inputting a personal identification code at the time of the balance inquiry,
When the actual payment transaction is performed, the PIN code is input again. At this time, in the conventional automatic deposit / withdrawal machine, the check of the personal identification code is sent from the automatic deposit / withdrawal machine to the center and is collated with the personal identification code of each customer stored in the center. There was a problem that it took time.

However, with the recent increase in the number of users of the automatic depositing / dispensing machine, the operability of the users is improved, and more specifically, when the personal identification code is input, the personal identification code is missed. That requires immediate customer understanding.

[0005]

2. Description of the Related Art FIG. 3 is a diagram for explaining a conventional identification code check processing method. First, in the automatic deposit / withdrawal machine 1, when a customer makes a balance inquiry, the card is inserted into a predetermined insertion slot, and a personal identification code is input based on an instruction from the automatic deposit / withdrawal machine 1. (Refer to processing step 100) In the automatic depositing / dispensing machine 1, the balance inquiry request is sent to the center 2, and the personal identification code registered in the center 2 is collated. The permission signal is returned, and the balance is displayed on the display unit of the automatic deposit / withdrawal machine 1. (Refer to processing steps 101 and 102) After confirming the balance in the balance inquiry transaction, when the customer gives an instruction to make a payment transaction, the PIN code is instructed again and the PIN code is re-input.

Such an instruction to re-input the personal identification code is erroneous when a payment request is issued by a customer other than the customer after the balance is displayed based on the balance inquiry permission signal. Then, there is a problem that cash may be paid to the other customer, and therefore, for security reasons, the customer is instructed to input the secret code again.

Subsequently, after the regular customer inputs the payment amount and confirms the payment amount, a payment request is transmitted to the center 2. (Processing steps 103, 104, 1
(See 05) In Center 2, the password registered in Center 2 is collated again, and if a mismatch is detected, and the input error of the password in processing step 103 is detected, An instruction to re-input the secret code is sent to the automatic depositing / dispensing machine 1, and the customer again inputs the secret code.
(See process step 106)

[0008]

As described above, the conventional
For example, in the payment transaction processing after the balance inquiry, it is necessary to input the secret code at the time of the balance inquiry transaction and at the payment transaction after the balance inquiry, and the verification processing of the secret code is performed by the center. Since this is a structure (this is because the security code does not include the PIN code in the magnetic stripe (MS) of the card), contact with the center 2 to determine whether the PIN code is correct or not. There is a problem that the input response is bad and the operability is bad from the viewpoint of the customer because it is not known unless it is done.

As a technique relating to the process of inputting a personal identification code in a transaction device, the applicant of the present application has previously filed Japanese Patent Laid-Open No.
-111666 “Trading device”, which discloses a technique similar to the technique of the invention of the present application described later.
In the 666 publication "Transaction device", a secret code is recorded in the magnetic stripe (MS) of the above-mentioned card, and there is a security problem (that is, if the card is stolen, the magnetic stripe (MS It is assumed that the card recorded in () has a problem of being read and misused by other customers), and the problem that the present invention is to solve, that is, the above-mentioned code is Since it is not stored in the magnetic stripe (MS) of the card, the PIN code matching process is performed in Center 2 and if the answer from Center 2 is not received, the result of PIN input can be recognized. It does not solve the operability problem (the problem that the input response is slow) due to the inability to do it.

In view of the above-mentioned conventional drawbacks, the present invention provides, for example,
In the password check processing method in the automatic depositing / dispensing machine,
It is an object of the present invention to provide a personal identification code check processing method capable of performing a personal identification code check without communicating with the center and improving the operability seen from the customer.

[0011]

FIG. 1 is a diagram for explaining the principle of the present invention. The above-mentioned problems are solved by the code check processing method configured as follows.

The secret code input by the transaction device 1 is sent to the center.
A method for checking a personal identification code at the time of a transaction to be transmitted to and collated with 2, for example, in a transaction in which a personal identification code is input a plurality of times in a balance inquiry post-purchase transaction, etc., the first input personal identification code is used as a transaction device. The transaction code is stored in 1, and the stored personal identification code and the personal identification code input from the second time onward are compared by the transaction device 1.

[0013]

That is, according to the present invention, a method of checking a personal identification code at the time of a transaction for transmitting the personal identification code input by the transaction device to the center for verification, for example, a plurality of times in a transaction after a balance inquiry is performed. In the transaction that inputs the secret code,
The center checks the first PIN, but the entered PIN is stored in the transaction device (for example, an automatic depositing / dispensing machine), and a transaction permission signal is received from the center by communication with the first center. If so, the first inputted personal identification code is recognized as correct, and in the second and subsequent input of the personal identification code, the personal identification code input by the customer and the stored personal identification code are compared and collated. Since it is the one that has been set, it is not necessary to communicate with the center one by one as in the conventional case when the personal identification code is input after the second time, the input response to the customer becomes faster, and the operability seen from the customer is improved. The effect is obtained.

[0014]

Embodiments of the present invention will be described in detail below with reference to the drawings. FIG. 1 described above is an explanatory view of the principle of the present invention.
FIG. 3 is a diagram schematically showing an example of the present invention.

According to the present invention, a PIN code input by the transaction device 1 is transmitted to the center 2 and the center 2 collates the PIN code at the time of transaction, and the PIN code is input a plurality of times. In, in the transaction device 1, the first input personal identification code is stored in the transaction device 1, and the stored personal identification code is compared with the second and subsequent input personal identification codes in the transaction device 1. It is a necessary means to carry out. The same reference numerals indicate the same objects throughout the drawings.

First, a transaction device, for example, an automatic deposit / withdrawal machine 1
At, the customer inserts the card and inputs the personal identification code based on the instruction from the automatic depositing / dispensing machine 1, and the inputted personal identification code is temporarily stored in the file storage device (disk).
Remembered in 3. {Refer to processing step 200 in FIG. 2} In the automatic depositing / withdrawing machine 1, the balance inquiry request is sent to the center based on the input card information {for example, customer number (ID) etc.}, PIN and balance inquiry request 2), the center 2 performs a collation check with the personal identification code held for each customer, and if they match, the balance inquiry value and the balance inquiry permission signal are sent to the automatic deposit / withdrawal machine 1, and the automatic deposit / withdrawal machine is sent. At 1, the balance requested by the customer is displayed. {Fig. 2
Processing steps 201 and 202} In the automatic deposit / withdrawal machine 1, when the balance inquiry permission signal is received, when the first personal identification code is input, the personal identification code stored in the file storage device 3 is correct. Therefore, when the personal identification code necessary for the payment transaction after the balance is displayed is input, in the present invention, the input personal identification code and the file storage device 3
If the mismatch code is detected in the automatic depositing / dispensing machine 1 by checking the secret code stored in, the customer is instructed to re-input immediately, The response to is faster and the operability can be improved. {Refer to processing steps 203 and 204 in FIG. 2} When a match is obtained by checking the secret code in the payment transaction, the customer is instructed to input the payment amount, and the customer confirms the input amount. Then, the payment request is transmitted to the center 2, and the center 2 performs the same collation check of the secret code as in the conventional case, and if they match, the payment permission signal is returned to the automatic depositing / dispensing machine 1. {Refer to processing steps 205 and 206 in FIG. 2} In the automatic depositing / dispensing machine 1 which has received the payment permission signal, after discharging the card and the receipt, the cash corresponding to the permitted payment amount is discharged, and Wait for customer instructions. {Refer to the processing steps 207, 208, 209 of FIG. 2} As described above, the method for processing a PIN code during transaction according to the present invention transmits the PIN code input by the transaction device 1 to the center 2 and verifies the PIN code during transaction. In the check processing method, a transaction in which a personal identification code is input a plurality of times, for example, in a payment transaction after balance inquiry, the first input personal identification code is stored in the transaction device 1, and the stored personal identification code is stored.
The personal identification code input after the second time is collated and compared in the transaction device 1 so that the customer can be instructed to input the personal identification code a plurality of times without communicating with the center. However, there is a feature.

[0017]

As described above in detail, according to the security code check method of the present invention, in the transaction in which the security code is input a plurality of times, the security code is input by the security code input at the second time and thereafter. If an input error is made, the transaction device, for example, the automatic deposit / withdrawal machine, checks the personal identification code, so it is possible to instruct re-entry of the personal identification code without waiting for communication with the center. , The operability of the customer can be improved, and the man-machine interface can be improved.

[Brief description of drawings]

FIG. 1 is an explanatory view of the principle of the present invention.

FIG. 2 is a diagram schematically showing an embodiment of the present invention.

FIG. 3 is a diagram for explaining a conventional PIN code check processing method.

[Explanation of symbols]

1 Transaction device or automatic deposit / withdrawal machine 2 Center 3 File storage device (disk) 100 to 106,200 to 209 Processing step, PIN code check at center PIN code storage PIN code check at transaction device

Claims (1)

[Claims] Claim: What is claimed is: 1. A method of checking a personal identification code at the time of a transaction in which the personal identification code input by the transaction device (1) is transmitted to the center (2) and collated, which is used in a transaction in which the personal identification is input a plurality of times. , The first input personal identification code is stored in the transaction device (1) (), and the stored personal identification code and the second and subsequent input personal identification codes are collated and compared in the transaction device (1). ) A method of processing for checking a personal identification code at the time of transaction, which is characterized by: