JPS58195978A - Automatic cash dispensing system - Google Patents

Abstract

PURPOSE:To prevent illegal use of a card, by checking the qualification of a user with the key number of the card when a cash dispensing machine performs payment, and also inhibiting the payment when the paid amount of money exceeds a predetermined limit of payment. CONSTITUTION:The cash card CCD is inserted into a card reader 12 and its key number is inputted on a keyboard 13A. A control part 17 gives a successive guidance through 13B. The user inputs the amount of money to be paid on the keyboard 13A according to the guidance and presses a button after confirming the amount of money on the display 13B. The control part 17 transmits an account number, the key number, and the amount of money to be paid to a computer 11A. A CPU performs retrieval in a storage part DA by using the account number as a key word to confirm the key number and read the preset limit amount of money to be paid to confirm that the amount of money to be paid is within the limit and less than the balance; and an indication of payment is sent to a payment part 15 to perform payment and a receipt is issued at a section 16. Consequently, prevention against illegal use is secured.

Description

[Detailed Description of the Invention] The present invention relates to a payment system in an automatic teller machine, and in particular, it provides a payment system that prevents the nine crimes that have been occurring frequently in recent years using payment machines. be.

Automation of flight operations is progressing in all fields, and financial institutions such as banks are also automating operations such as deposits and payments. Automatic teller machines are the main type of such machines, and have the advantage of allowing payments to be made with a single cash card, instead of the traditional method of bringing a bankbook and seal to a teller's counter.

On the other hand, computer crimes using such banking systems are occurring frequently. One of them is the use of automatic teller machines. As is well known, automatic teller machines allow you to receive the requested amount of cash by providing your cash card and secret number.

In other words, the qualification of the user is checked based on the combination of the cash card and the secret number.

Therefore, if you obtain an oil-filled cash card and obtain a secret number, you will be able to withdraw your deposits from your oil-filled account. Currently, if the secret number does not match a predetermined number of times, for example 8 times or more, the cash card is invalidated and the transaction is canceled. However, such countermeasures are not perfect, and the above-mentioned technique is particularly incapable of dealing with the method 2 in which a secret number is recorded on an illegally obtained card.

The present invention has been made in view of these drawbacks, and provides a method for checking the validity or invalidity of a transaction using the payment amount requested by the user, thereby preventing fraudulent transactions. Therefore, the present invention is characterized in that the requested payment amount is compared with a payment limit set in advance for each user, and when the requested limit exceeds the payment limit, the cash payment is stopped. It is.

The automatic cash payment system according to the present invention will be explained below along with the drawings. FIG. 1 is a block diagram showing an outline of the automatic cash dispensing system, where ILA is a computer on the center side, and 11B is a terminal device, which in this example is a cash dispensing machine. cash payment alit
tB is a card reader 12. Operation/display section 18. Bookkeeping section 1
4. Payout section 16. Receipt issuing unit 16 and control unit 17
It becomes more. Card reader! 2 is Katsunyu Card COD
It has the function of reading account numbers etc. from the magnetic stripe provided on the surface when inserted, and the function of writing balance information etc. on the magnetic stripe when ejecting. Operation/display section 18
has a keyboard 18A and a display 18B, the display 18B instructs the user in the order of operations, etc.
The keyboard 18A inputs the secret number according to the guidance.
Enter the withdrawal request amount, etc.

A renostar 18c is provided so that the input results are displayed on a display 18B. Payment department 15 is #11
It discharges cash according to instructions from the first section 17, and has a function of discharging cash CHt only as instructed by the cash box 30X into the cash box storing the cash. The receipt issuing unit 16 issues a receipt (R8) to the user, and the payment date, payment amount, balance 1, bank account number, bank branch code, etc. are printed on this receipt.

The cash payment tnttB and the computer 11A are connected via a transmitting/receiving section 18. The calculation unit 1lllA has a central processing unit CPU and a storage unit DA. Storage part DA is all -Cl
7) Information related to user V is recorded all at once. This information is 43m in which the account number is used as a keyword, and withdrawal limit information is associated with the secret information and the balance information.

The withdrawal limit tAtf11 is the amount declared by the user himself when he starts using the cash card.

Therefore, this money M differs depending on the user, and in this point it is different from the conventional system withdrawal limit.

The operation of cash payment will be explained in detail. First, when the user inserts the cash card COD into the card reader 12, the card reader 12 reads out the account number on the ML magnetic stripe. This causes the control unit 17 to display the 1
8Blc secret number and the withdrawal request amount are sequentially output. When the user inputs the secret number and the requested withdrawal amount using the keyboard 18A and instructs the display 18B to confirm the displayed contents, the control unit 17 sends g+T via the transmitting/receiving unit 18.
Iiso I will send you the AVC account inspection number, secret number I, and the requested withdrawal amount. When the central processing unit CPU receives such information, it performs the operations shown in FIG. 2. That is, the central processing unit CPU searches the storage unit DA using the received account number as a key node, reads out the recitation information, and compares and matches this # angle information with the secret number input by the user. If they match or have a certain correspondence, the withdrawal limit is read from the account number in the same way as described above.Next, the withdrawal limit is compared with the requested withdrawal amount.Withdrawal limit ≧ When the relationship of the withdrawal request amount is established, it is determined whether the withdrawal request amount is within the balance as in the past.When the relationship of SL height ≧ withdrawal request amount is established (balance)
-(withdrawal request amount) is calculated and #balance is calculated,
The central processing unit CPU sends transaction completion information to the control unit 17. Transaction completion information includes a cash disbursement instruction and a new balance. If the recitation information and secret number do not match, if the requested withdrawal amount exceeds the withdrawal limit, or if the requested withdrawal amount exceeds the balance, the central processing unit CPU sends transaction failure information to the control unit 17. Send. The content of the transaction failure information differs depending on the eight cases mentioned above. In the case of the first loan, a guidance prompting you to enter the secret number again is displayed, and in the second case, payment using a cash dispensing machine is not required. In the case of the 8th inspection, there will be a guidance/guidance indicating that there is no balance.
7. Instructs control unit MK to display nu.

When the transaction completion information is transmitted, the control unit 17 controls the payment unit 1.
5 is instructed to pay cash, and the balance information is sent to the card reader 12 and the bookkeeping section 14 or the receipt issuing section 16. When the unilateral control section 17 receives the transaction failure information, it displays the display 18B and provides the user with the above-mentioned a-guidance. In the 8th case, return the cash card CCD along with the guidance.
@ In the first case, if the discrepancy between the secret number and the recited information exceeds a predetermined number of times, the cash card COD is stored in the cash dispensing machine without being returned.

In the above example, the withdrawal limit a is set based on the user's declaration, but it may also be set based on the withdrawal amount in past transactions (for example, the maximum withdrawal amount in past transactions or past transactions) The average withdrawal amount may be set as the withdrawal limit.

Further, it goes without saying that the check between the withdrawal limit and the requested withdrawal amount may be performed on the payment machine side.

As explained above, the present invention sets a withdrawal limit for each user, compares this with the withdrawal amount requested by the user, and determines the withdrawal limit (when the withdrawal amount is the requested amount). Since payments are not allowed, it is possible to prevent unauthorized persons from making payments, and it is useful for preventing crimes using cash dispensing machines.

[Brief explanation of the drawing]

Section 41 is a block diagram showing an outline of the cash dispensing device, and figure $2 is a flowchart showing the operation in the central processing section. In the figure, 12 is a card reader, 18 is an operation/display unit, and 14
is the bookkeeping department, 15 is the payment department, 16 is the receipt keeping department, 17
indicates a control unit, IIA indicates a computer, and IIB indicates a cash payment machine.

Claims (1)

[Scope of Claims] +11 In a device that checks whether a user is qualified or not, and pays nine amounts of cash requested by the user based on the result, the first nine amounts requested and nine amounts that are preset for each shrine user are provided. An automatic cash payment system that compares the payment limit with the payment limit and stops cash payment when the requested amount exceeds the payment limit. (2) The automatic cash payment method according to claim (1), wherein the payment limit is set by a user's declaration. (8) The payment limit is set based on the requested amount in past transactions.
Automatic cash payment method described in item 1).