JPS5842511B2 - Eligibility confirmation system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention provides a user qualification confirmation system, particularly a banking system in which a transaction is performed by verifying a pin code using a card or passbook. In addition to providing transaction restriction information in advance for one or more pin codes, transactions using the pin code corresponding to the restriction information are By referring to the restriction information and checking the feasibility of the transaction, it is possible to prevent undesired transactions by someone who knows the PIN code within the scope of the restriction information, and furthermore, only when a mask PIN code is used. The present invention relates to a banking system in which the above-mentioned restricted information range can be changed.

In conventional banking systems, as is well known, an account number is assigned to each customer, and the customer loads the bank card or passbook with the account number into a terminal at a bank teller, and then You will be prompted to enter the PIN code provided.

Then, on the system side, it is checked whether the input code is valid.

Conventionally, banks have relied on PIN codes as described above, and if the PIN code were to be leaked, for example, almost all of the deposits could be withdrawn.

The present invention aims to solve the above points,
The above-mentioned difficulty is solved by preparing multiple PIN codes with restriction information related to transactions, etc., and furthermore, the PIN code, restriction information, etc. can be changed only when a mask PIN code is used. The purpose is to provide flexibility in implementation.

Therefore, the usage eligibility confirmation system of the present invention is configured to load a card or passbook into a terminal device and input a pin code, and the system including the terminal device verifies the pin code before use. In the eligibility confirmation system to be carried out, a plurality of the above-mentioned pin codes given in association with the above-mentioned card or passbook are associated with each other, and the system side stores the above-mentioned pin codes, and stores one or more of the above-mentioned pin codes. For each pin code, the system has a storage unit that stores restriction information and usage history information regarding usage using the pin code, and the system side that has input the pin code can check the pin code. At the same time, the system side is configured to read out the restriction information stored in the storage unit to check whether or not the card can be used, and when it is determined that the card can be used, the system side updates the contents of the storage unit. Alternatively, the plurality of PIN codes associated with the passbook are associated with at least one of them as a mask PIN code, and on the condition that the mask PIN code is input into the terminal device, the The device is characterized in that it is configured to be able to update other password codes and/or the restriction information stored in the storage unit.

This will be explained below with reference to the drawings.

FIG. 1 is an explanatory diagram illustrating aspects of a conventional banking system, FIG. 2 is an explanatory diagram illustrating aspects of a banking system according to an embodiment of the present invention, and FIG. 3 is an explanatory diagram illustrating aspects of a banking system according to the present invention. FIG. 4 is a flowchart illustrating an example of processing executed by the system side, and FIG. 4 shows the configuration of an example of the system side of the present invention.

Conventionally, as shown in FIG. 1, an account number is given to each customer, and for example, in cash withdrawal processing, the customer loads a cash card 1 into a terminal device 2 and enters a pin code ID given to him/her. The information is input to the terminal device 2.

On the system side SYTM, cash card 1
After checking the correspondence between the account number corresponding to the account number and the input PIN ID, if the transaction is completed, check the deposit balance corresponding to the account number in the register 3, and check the deposit balance within the range of the deposit balance. The cash specified by the customer is then disbursed.

For this reason, as stated at the beginning of this specification, if the personal identification code ID were to be leaked to another person, there is a possibility that the other person may conduct an undesired transaction.

In order to solve this problem, in the case of the present invention, as shown in an embodiment shown in FIG. Be sure to provide restriction information.

In addition, in FIG. 2, the symbols 1.2, 3, ID, SY
TM corresponds to FIG.

In the case shown, multiple pin codes #OID, #IID,
#2 ID, . . . are assigned, and transaction restriction information is registered in advance on the system SYTM side in correspondence with each pin code.

That is, for example, (1) corresponding to PIN code #0■D, cumulative withdrawal limit of 100,000 yen, valid period of 1 month (from old ○C), maximum number of withdrawals within the valid period of 10 times, (11) PIN (iii) Cumulative withdrawal limit corresponding to code #-IID: 100,000 yen, valid period of 2 months (from **), maximum number of withdrawals within the valid period of 10 times, (iii) cumulative withdrawal corresponding to PIN code #2 ID Maximum amount is 150,000 yen, validity period is 6 months (
(from △△ date), the maximum number of withdrawals within the applicable validity period is 15 times,
It should be registered in advance on the system SYTM side as shown in the following.

For example, if a transaction such as a cash withdrawal is performed using the PIN code #IID, the system SYTM
The side checks the validity of the PIN code #IID and also compares it with the transaction restriction information registered in advance.

If the validity of the above PIN code #IID and the transaction within the above transaction restriction information range are confirmed and the transaction is completed,
After dispensing the cash desired by the customer, the system updates performance information (balance and number of withdrawals corresponding to the amount withdrawn) corresponding to the transaction restriction information.

By doing this, if the PIN code #lID
Even if the data is leaked and used undesirably, if any one of the above-mentioned restriction information exceeds the limit, the transaction will not be completed, and in the worst case scenario, the loss will be 100,000 yen.

In the above explanation regarding the illustration in FIG. 2, it has been explained that transaction restriction information is held in advance in correspondence with each PIN code prepared in advance on the system side.

However, in this case, the customer may feel inconvenienced if he or she wishes to withdraw money beyond the limit of the above-mentioned restriction information or if he or she cannot remember the password currently in use.

In order to solve this problem, at least one of the above-mentioned PIN codes, for example PIN = #OID, is used as a mask PIN code, and the customer can register/delete the other PIN codes and the above-mentioned transaction restriction information. be able to change.

It is optional whether or not to enable cash withdrawal in transactions using the masked PIN code.

However, if the mask PIN code itself is leaked to another person, all the effort put into it will be wasted.

For this purpose, the mask PIN code has the number 10, for example.
A code with more than 1 digits is given.

For other passwords, for example, a 4-digit number would be sufficient.

FIG. 3 shows a flow chart illustrating an example of processing when a masked PIN code is used and deposit withdrawal is enabled using the masked PIN code.

In this case, as will be described later with reference to FIG. 4, on the system side, the mask PIN code MID, PIN codes with permissible limits other than the 7-star PIN code #IID, #2ID, #
:3ID,..., each transaction restriction information corresponding to each permissible limited PIN code is registered, and the system is configured to accumulate transaction results.

The transaction is conducted as follows.

That is, (1) the system side SYTM checks whether the transaction was performed using the masked code MID.

(2) In response to a transaction performed using the masked PIN code MID, a PIN code with permissible limits is registered or deleted, or a deposit is withdrawn, depending on the customer's wishes.

In addition, the illustrated account file 4 includes, in correspondence with the customer's account number, the account number, deposit balance, mask pin code MID, and illustrated condition file 5-, as will be described later with reference to FIG.
1, 5-2, 5-3, . . . address information of the storage unit corresponding to the same account number above may be considered to be stored.

In addition, each condition file 5-1, 5-2, 5-3, ・
...It may be considered that the above-mentioned storage section stores the respective personal identification codes with permissible limits, restriction information, accumulated transaction results, and the like.

(3) If the transaction is not based on the masked PIN code MID, it is checked whether the PIN matches any one of the PIN codes with permissible limits registered in advance in the system side SYTM.

(4) If they match, it is checked whether the current transaction is within the limit on the number of uses in the restriction information.

(5) If the number of uses is within the limit, it is checked whether it is still within the validity period.

(6) If it is within the validity period, it is checked whether it is a deposit withdrawal business or not, and in the case of a business other than deposit withdrawal business, such as issuing transaction results using the relevant PIN code, the condition file is referenced and the transaction results are transferred to the customer. It is made to be launched against.

(7) If it is a deposit withdrawal service, it is checked whether the deposit withdrawal amount is within the range of the deposit balance corresponding to the account number.

(8) If it is within the range, then it is checked whether the balance is within the range of the restriction information corresponding to the PIN code.

(9) If it is within the range, the contents of the account file 4 and condition file 5 are updated in accordance with the deposit withdrawal, (10) Then, the cash is paid out to the customer along with the payment form processing.

(11) The above processing (3), (4), (5),
If each of the checks in (7) and (8) is negative, the transaction is rejected.

FIG. 4 shows the configuration of an embodiment of the system side of the present invention.

Reference numerals 4, 5-1, 5-2, 5-3 in the figure.・・・・・・
corresponds to the files shown in FIG. 3, 6 is a processor, and the files 4, 5-1, 5-2, 5-
3, 7-0, 7-1 for accessing .
, . . . are account information storage units, 8-0 and 8-, respectively.
1,..., 9-0, 9-1,...
....

10-0.10-1, . . . represent condition information storage units, respectively.

On the account file 4, there is an account information storage section corresponding to each account number. -0, 7-1, ...... are prepared, and each account information storage section contains (1) account number, (11) deposit balance corresponding to the account number, (iii) mask PIN code, (
1v) The address information of the condition information storage unit corresponding to the account number is held.

In addition, condition files 5-1, 5-2, 5-3, ・
. . . Above, there are condition information storage sections 8-0゜8-1.corresponding to each PIN code with permissible limits. ......, 9-
0,9-1,...,10-0°10-1.
...... are prepared, and each condition information storage section contains (
i) PIN code with permissible limits, (11) Validity period in restriction information, (iii) Cumulative deposit withdrawal limit and cumulative value of past withdrawal results in restriction information, ([■) Validity in restriction information The maximum number of withdrawals within the period and the cumulative value of past withdrawals are held.

As explained with reference to FIG. 3, when a transaction request is made, the contents of, for example, the account information storage section 7-0 are read into the processor 6 in correspondence with the account number.

The input code is then compared with the mask code (MID) in the read content.

If it matches the mask PIN code (MID),
Deposit withdrawal operations, registration/deletion of PIN codes with permissible limits, and updating of limit information are performed.

At this time, the account information storage unit 7-0, 8-0, 9-0゜1
The contents of 0-0 are updated.

If the mask PIN code (MID) does not match, the condition information storage section 8-0.9-0.10 is sent based on the address information ADRX, ADRY, and ADRZ in the contents of the account information storage section 7-0. -0 is read.

If the input code matches any one of the permissible limited codes, the feasibility of the transaction is checked based on the contents of the condition information storage section 8-0, for example, corresponding to the code.

When the transaction is completed, the contents of the account information storage section 7-0 and the condition information storage sections 8-0, 8-1, 8-2, . . . are updated.

As explained above, according to the present invention, a plurality of PIN codes and transaction restriction information are prepared, so that even if a normally used PIN code is leaked and an undesired transaction is performed, the amount of damage can be reduced. By adopting a masked PIN code, it is possible to provide flexibility in the processing mode when using a banking system, for example.

Note that the present invention is not limited to banking systems, but can also be applied to, for example, checking eligibility for entry into facilities that require confidentiality, checking eligibility for using expensive equipment such as computer systems, etc. However, the time, time, rooms that can be entered, devices that can be used, software that can be used, and combinations thereof can be set.

[Brief explanation of the drawing]

FIG. 1 is an explanatory diagram illustrating aspects of a conventional banking system, FIG. 2 is an explanatory diagram illustrating aspects of a banking system according to an embodiment of the present invention, and FIG. 3 is an explanatory diagram illustrating aspects of a banking system according to the present invention. FIG. 4 is a flowchart illustrating an example of processing executed by the system side, and FIG. 4 shows the configuration of an example of the system side of the present invention. In the diagram, 1 is a cash card, ID is a pin code, and 2
is the terminal, 3 is the register, SYTM is the system, 4 is the account file, 5-1, 5-2, 5-3, etc.
are respectively condition files, 6 is a processor, 7-0゜7-1
．． . . . are account information storage units, 8-0 and 81, respectively.
,..., 9-0, 9-1,...
, 10-0°10-1. . . . each represents a condition information storage unit.

Claims (1)

[Claims] 1. In a usage qualification confirmation system that is configured to load a card or passbook into a terminal device and input a PIN code, the system including the terminal device verifies the PIN code before use. In addition to associating a plurality of the above-mentioned PIN codes given in association with passbooks, the system stores the above-mentioned PIN codes, and stores the PIN code in correspondence with each of the PIN codes or each of the plurality of PIN codes. It has a storage unit that stores restriction information and usage record information regarding usage using the code, and the system side into which the above-mentioned PIN code is input verifies the PIN code and also checks the above-mentioned information stored in the storage unit. The system is configured to read the restriction information and check whether or not it can be used, and when the system is determined to be able to use it, the system updates the contents of the storage unit, and further includes a plurality of pin codes that are associated with the card or passbook. is associated with at least one of them as a mask PIN code, and on the condition that the mask PIN code is input into the terminal device, the above-mentioned PIN code existing on the system side and/or in the storage unit A usage qualification confirmation system characterized by being configured such that the stored restriction information can be updated.