JPH0640336B2 - Automatic transaction processing system - Google Patents

Description

Description: (a) Technical Field The present invention relates to an automatic transaction processing system for issuing a plurality of card media to one deposit account.

(b) Summary of the Invention The automatic transaction processing system according to the present invention uses a card owned by an account holder (hereinafter referred to as "parent card") and a card carried by an agent (hereinafter referred to as "child card"). ) Has a withdrawal limit amount setting means for setting the upper limit of the amount of money that can be withdrawn per fixed period, and a means for permitting transactions within the withdrawal limit amount when making a payment transaction with a child card Prevent withdrawal of deposits.

(c) Conventional technology and its drawbacks In recent years, many financial institutions have issued a plurality of cards (so-called cash cards) consisting of a parent card and a child card to one deposit account for the convenience of customers. Of these cards, child cards are owned by those who jointly use the savings account. For example, a child residing in a remote place has an account in the name of a parent and is used for withdrawing a deposit from this account instead of monthly remittance.

However, conventionally, the automatic transaction processing function has the same function as the child card as the parent card, so in the above usage form of the child card, the child brother tries to withdraw more than the amount permitted by the parent. Even if he did, his parents had no effective means of preventing it.

(d) Object of the Invention In view of the above drawbacks, an object of the present invention is to provide an automatic transaction processing system in which a parent card can set a withdrawal limit amount for a certain period of time by a child card.

(e) Structure and effect of the invention This invention is an automatic issuing of a plurality of cards consisting of a parent card used by an account holder at the time of transaction and a child card used by an agent at the time of transaction for one deposit account. In the transaction processing system, a flag for storing in each of the plurality of cards whether the card is a parent card or a child card, whether the card inserted into the card reader in the automatic transaction processing device is a parent card Whether the inserted card is a parent card, withdrawal limit amount setting means for setting a withdrawal limit amount per fixed period when a child card is used, and withdrawal limit amount setting in the center Means for storing the withdrawal limit set by the means, when the transaction request is made by using a child card for the automatic transaction processor, the withdrawal limit Characterized in that a means for permitting the drawer in a range not exceeding.

According to the present invention, the following effects can be obtained with the above configuration.

On the automatic transaction processing device side, it is possible to identify with a flag whether the inserted card is a parent card or a child card, and if the parent card is inserted into the automatic transaction processing device, withdrawal limit amount setting means, You can set the amount of money you can withdraw using a child card per fixed period. This withdrawal limit is stored in the center, and when paying transactions with child cards, only withdrawals within the range based on this limit can be withdrawn, so it is possible to prevent excessive withdrawals by child cards, The owner can now issue the child card and lend it to the agent with confidence. As a result, transactions using the automatic transaction processing apparatus are further increased, and it is possible to improve utilization efficiency of the automatic transaction processing apparatus and improve customer service.

(f) Embodiment FIG. 3 is an external view of an ATM constituting an automatic transaction processing system according to an embodiment of the present invention. On the vertical panel surface of the customer service section of the ATM, there are provided a handling indicator 1, a passbook insertion slot 2, a card insertion slot 3, and a cash receipt receiving slot 4 showing the handling state. The handling indicator 1 indicates that the transaction is being handled when the transaction can be handled, and displays the handling suspension when the transaction cannot be handled. The passbook insertion slot 2 is used for inserting and ejecting a passbook. A card on which a bank number, an account number, a personal identification number, etc. are magnetically recorded is inserted from the card insertion slot 3 and returned. The cash / receipt receiving port 4 is used for discharging bills and bills for payment transactions.

On the horizontal panel surface of the customer service section, a CRT for operation guidance display
5 are provided. The CRT 5 displays operation guidance text for guiding the user's operation, function display of function keys, and guidance such as the amount to be inserted.

FIG. 4 shows a key layout around the CRT 5. 6,7
Is a function key used for inputting transaction type designation, and 8 is a ten-key. The function key 6 is a limit amount setting key 6a for selecting the withdrawal limit amount setting mode.
including. The ten-key pad 8 includes keys such as "ten thousand", "thousand", "yen", etc., and a personal identification number, a billing amount, etc. are input using these keys. The function of each function key is displayed on the CRT 5 at each processing stage.
On the left side of the function key 6, there is provided a bill deposit / withdrawal slot 9 which is composed of a deposit bill insertion slot and an insertion bill return slot.

FIG. 5 is a block diagram of the ATM. This ATM is used as an input / output device for paying bills for cash / receipt receiving port 4
Banknote discharging machine 10 for discharging to a banknote, a bill checker 11 for judging the authenticity of banknotes inserted into the banknote deposit / withdrawal port 9, transaction data such as transaction processing and payment amount, deposit amount, etc. for each transaction processing, and a bank copy. Voucher issuing machine 1 that prints and records as a voucher
2, a card reader 13 for reading information magnetically recorded on a card inserted in the card insertion slot 3, a passbook printer 14 for printing transaction data on a passbook, a key input device including function keys 6, 7 and a numeric keypad 8. 15, CRT
The display device 16 including the display device 5 is provided.

The control system for controlling the above-mentioned input / output device is one master C
The PU (M-CPU) 18 is configured by a master-slave system that controls a plurality of slave CPUs (S-CPU) 19 to 23 via a bus line. MC
ROM 2 in which PU 18 and S-CPUs 19 to 23 store in advance execution programs for transaction processing such as deposits and payments.
5 to 30 are connected to each other, and RAMs 32 to 37 for temporarily storing various processed data are connected to each. A transmission control device 39 that transmits and receives data to and from the outside is connected to the bus line, and the transmission control device 39 is connected to a center 40 via a line.

When a command is sent from the M-CPU 18 to the S-CPU, each S-CPU is a program stored in the ROMs 26 to 30, and each input / output device is in accordance with an execution program for performing an operation designated by the command. And the necessary data generated during the execution of the processing are sent to the M-CPU 18. Processing data in transactions such as deposits and payments is transmitted from the M-CPU 18 to the transmission control device 3
9 is transmitted to the center 40, and necessary information from the center 40 is transmitted to the M-CPU 18 via the transmission controller 39.
Sent to.

FIG. 6 is a block diagram of the essential parts of the storage device of the center 40. The area M1 stores the date of the day, and the area M2 stores data of all deposit accounts. Area M3 is a buffer, and temporarily stores the data when the terminal transmits the data. The data for each deposit account in Area 2 is the account number (M20) and deposit balance (M2
1), the withdrawal limit amount (M22) per fixed period by the child card, the renewal date (M23) of the fixed period, and the current payable amount (M24) by the child card. Here, the withdrawal limit is, for example, the amount of money that can be withdrawn per month (fixed period) using a child card. The certain period is repeated each time the immediately preceding certain period elapses, and the start date of the repetition is the renewal date. For example, "25th of every month" is set. The payable amount is the remaining amount obtained by subtracting the already withdrawn amount from the withdrawal limit amount, and within the fixed period, only the amount equivalent to this payable amount can be withdrawn. On the other hand, after a certain period of time, the withdrawal limit is added to the payable amount, so if there is a remaining amount that has not been withdrawn in the immediately preceding certain period, this remaining amount and the You will be able to withdraw the sum of the withdrawal limit amount. In addition, the buffer (M3) is a terminal number (M30) for which data was transmitted, a deposit account number (M31) for which a transaction was requested, a transaction type (M32), and the card inserted in the terminal is a child card. The flag includes a flag (M33) that is set in the case of a payment transaction and a billing amount (M34) in the case of a payment transaction.

FIG. 7 is a schematic structural diagram of a magnetic card used in the above ATM. Magnetic stripe 5 on the surface of card body 50
1 is formed. The magnetic stripe 51 stores, as magnetic stripe data, a code 51a of the bank that issued this card, a deposit account number 51b, a child card flag (F) 51c, and a personal identification number 51d. The child card flag 51c is set when the card is a child card, and reset when the card is a parent card.

The operation of this automatic transaction processing system will be described below with reference to the flowchart.

FIG. 1 (A) shows the operation when the parent card is inserted into the ATM and the withdrawal limit amount is set. Step n1
When the user presses the limit amount setting key 6a in (hereinafter, step ni is simply referred to as ni), the user waits until a card is inserted into the card insertion slot 3 in n2. When the card is inserted, the card data is read at n3 and if the card is not valid for this automatic transaction processing system (n
4) and if the inserted card is a child card (n
The card is returned to 5) (n10). If the inserted card is a valid parent card, the process proceeds to n6, where the personal identification number is input at n6, and if the personal identification number matches the personal identification number of the card data at n7, the process proceeds to n8. If they do not match, the card is returned (n10).

In n8, the withdrawal limit amount is input by operating the ten-key pad 8, the input withdrawal limit amount and the card data are transmitted to the center, and the withdrawal limit amount is stored in the file of the center 40. If a signal indicating completion of setting is received from the center 40, the card is returned (n10) and the operation is completed.

FIG. 1 (B) shows an operation when a card is inserted into the ATM to make a payment transaction. When the payment key is pressed by the user in n11, the process stands by until the card is inserted into the card insertion slot 3 in n12. When the card is inserted, n13
Then, the card data is read, and if the card is not valid for this automatic transaction processing system (n14), the card is returned (n23). At n15, the child card flag (51a) of the card data is judged, and if the child card flag is set, the child card flag of the data to be transmitted to the center 40 is also set. When the user inputs the personal identification number in n17, it is determined in n18 whether the personal identification number matches the personal identification number of the card data, and if not, the card is returned (n23). If they match, the billing amount input by the user is accepted in n19, and the entered billing amount and card data are sent to the center to ask whether the withdrawal is possible or not (n20). If the withdrawal is acceptable from the center, the process proceeds to n22 to perform the withdrawal process and then returns the card (n23). If the withdrawal is impossible, the process directly proceeds to n23 to return the card.

FIG. 2A shows the due date update processing operation performed by the center when changing the date every day. In n24, it is determined whether or not it is the renewal limit of the withdrawal limit amount, and if it is the renewal date, the process proceeds to n25 and the withdrawal limit amount is added to the payable amount of the child card. The above operation is performed for all deposit accounts.

FIG. 2B is a flowchart showing the operation of the center when receiving data from the ATM which is the terminal. n3
When 0 is waited until data is received from the ATM, and if the data is received, it is determined at n31 and n32 whether the data is data related to payment transaction or data related to withdrawal limit amount setting. If it is data related to payment transactions, the process proceeds to n33, and it is determined whether the card inserted in the terminal is a parent card or a child card. If it is the parent card, the process proceeds to n34, and if the billing amount is within the balance, the payment possible data is transmitted to the terminal (n35), and if it exceeds the balance, the payment impossible data is transmitted to the terminal (n3).
7). If the terminal completes the withdrawal process as a result of transmitting the data allowing payment to the terminal, the balance is updated (n36) and the operation ends.

If the card inserted in the terminal is a child card, n38,
In n39, it is determined whether or not the billing amount is less than or equal to the payable amount and the balance. If the billing amount is less than or equal to the payable amount and the balance, the process proceeds to n40 to send the payable data to the terminal, and when the terminal completes the withdrawal operation, the balance and the payable amount are corrected (n41, n42). ) Finish the operation. If the billing amount exceeds the payable amount or the balance, the non-payment data is transmitted to the terminal (n37).

On the other hand, if the data sent from the terminal is data relating to withdrawal limit setting, the withdrawal limit for the child card of the deposit account is set (n43), and other data is sent from the terminal. If there is, a process corresponding to the data is performed (n44), and the operation is finished.

It should be noted that means for judging whether n5, n15 and n33 are parent cards or child cards of the present invention by a flag, FIG. 1 (A)
Is the withdrawal limit amount setting means of the present invention, n
43 is a means for storing the withdrawal limit amount of the present invention, n3
8 corresponds to the means for permitting withdrawal within the range of the withdrawal limit of the present invention.

In this way, with this automatic transaction processing system, the withdrawal limit set by the parent card can be withdrawn every fixed period (for example, one month), so the holder of the child card can withdraw the withdrawal limit for that period. It can be withdrawn as if it were a budget. As a result, the same account can be used for remittance, which has conventionally been done by transfer to a counterpart account or remittance by mail or the like. In addition, in other cases, the withdrawal is carried out according to the preset budget, which has an advantage that the card can be used soundly.

[Brief description of drawings]

1 (A) and 1 (B) are flowcharts showing the operation of the ATM used in the automatic transaction processing system according to the embodiment of the present invention, and FIGS. 2 (A) and 2 (B) are the operation of the center of the above embodiment. FIG. 3 is an external view of the ATM, FIG. 4 is a diagram showing a key arrangement near the display portion of the ATM, FIG. 5 is a block diagram of the ATM, and FIG. 6 is a memory of the center. FIG. 7 is a schematic diagram showing a magnetic card used in the above embodiment. 6a ... Limit amount setting key.

Claims (1)

[Claims] [Claim 1] An automatic transaction for issuing a plurality of cards consisting of a card used by an account holder during a transaction (parent card) and a card used by an agent during a transaction (child card) to one deposit account In the processing system, each of the plurality of cards is provided with a flag for storing whether the card is a parent card or a child card, and the card inserted into the card reader is the parent card in the automatic transaction processing device. And a withdrawal limit amount setting means for setting a withdrawal limit amount for a certain period when a child card is used when the inserted card is a parent card. , The center stores the withdrawal limit amount set by the withdrawal limit amount setting means, and a transaction request is made by using a child card for the automatic transaction processing device. Automatic transaction processing system characterized in that a means for permitting the drawer without exceeding the withdrawal limit time was.