JPS61156476A - Upper limit setting system for cash basis automatic transaction - Google Patents

Abstract

PURPOSE:To obtain an adaptability for a financing amount by providing a transaction amount judgment measure to continue the transaction only when a desired transaction amount is less than an upper limit of transaction amount in comparison with the upper limit of transaction amount which is stored at a memory area of both the desired transaction amount and upper limit of transaction. CONSTITUTION:When a desired transaction amount is inputted, if the desired transaction amount is larger than the upper limit of transaction amount which is stored in a card, a main control part 11 gives an instruction to perform an input again. And if its desired transaction amount is less than its upper limit of transaction, its main control part discharges the bills corresponding to the desired transaction amount after communicating with a center where an account of this card is registered and stops its operation after returning its card. Thus in the case where this upper limit setting system for drawing amount is applied to receiving a finance by inserting the card into CD or the like, the upper limit to draw an amount for for each transaction will be set in view of its own returning ability. This system serves the purpose of eliminating a claim of more than necessary amount when a card holder receives a finance by using its card and renders such a finance amount proper.

Description

Detailed Description of the Invention (a) Technical Field The present invention relates to an automatic cash transaction system comprising a card having a memory and an automatic transaction processing device that inserts the card and performs cash payment transactions. ) Overview of the Invention The automated cash transaction system according to the present invention allows a user who owns a card to independently set the upper limit for cash withdrawals using that card, in addition to the cash withdrawal limit set in the system itself. This system prevents cash withdrawal transactions that exceed the maximum withdrawal amount, thereby making transactions more appropriate.

(C) Background of the invention Automatic cash dispensing devices (hereinafter referred to as r
It's called cDJ (Cash Dispenser). ) When attempting to receive a loan by inserting a card that the user owns into an automatic transaction processing device such as I was able to receive a loan according to the desired loan amount that I entered. According to this, it is possible to receive a relatively large amount of loan through a simple procedure, which is very convenient for users, but there is insufficient awareness of the amount to be repaid after receiving the loan and the interest rate associated with the loan. Some users receive excessive loans that exceed their repayment capacity, and various troubles are occurring today due to excessive loans and lack of repayment capacity.

(d1 Purpose of the Invention In view of the above-mentioned current situation, an object of the present invention is to provide an upper limit setting system for automatic cash transactions that allows users to manage themselves so as to receive loans that match their repayment ability.

(e1 Structure and effect of the invention) This invention provides a transaction upper limit that stores the upper limit amount of loan or deposit refund in one transaction in the memory of a card that stores the personal identification number 2 account number etc. and is inserted into an automatic transaction processing device. transaction upper limit setting means for setting a storage area and setting a transaction upper limit amount in the transaction upper limit storage area in the automatic transaction processing device; The present invention is characterized by being provided with transaction amount determining means for comparing the transaction amount with the transaction upper limit amount and continuing the transaction only when the desired transaction amount is less than or equal to the transaction upper limit amount.

With the above configuration, according to the present invention, the following effects can be achieved.

When applied to a system where a card is inserted into a CD or an ATM (automated teller machine) to receive loans or deposits, the maximum withdrawal amount per transaction may be set based on one's repayment ability and deposit balance. It can be set in the transaction upper limit storage area of the card. As a result, when the card holder uses the card to receive a loan or deposit, he or she is not required to pay more than necessary, making it possible to optimize the loan amount and promote deposits.

(f) Embodiment FIG. 3 is a schematic external view of a CD (automatic cash dispensing device) which is an embodiment of the present invention. On the front of the main unit, there are C R, T 1 that displays messages such as operating procedures, numeric keypad 2 for inputting the billing amount, etc., card insertion slot 3 for inserting a magnetic card, slip 9, bill ejection slot 4, and operation controls around CR 71. Keys 5a and 5b are provided.

FIG. 4 shows the key arrangement around the CR71. 5'a
, 5b is an aH key used for inputting transaction type designation, etc.
2 is a numeric keypad. Numeric keypad 2 has "10,000", "1000",
It includes keys such as ``Yen'', and these keys are used to input a personal identification number, desired transaction amount, etc. What function each function key has is displayed on the CRTI at each processing stage. The figure shows the CRTI display during standby.

FIG. 5 is a block diagram of the control section of the CD. The main control section 11 includes a magnetic card reader 12, a CRT control section 13, a numeric keypad control section 14, a slip issuing machine 15, a banknote discharging machine 16,
Each line control unit 17 is controlled. Each part is divided into blocks and constitutes a master-slave control system with the main control part 11. The magnetic card reader 12 accesses the magnetic card inserted through the magnetic cart insertion slot 3 and receives transaction data and the like. The CRT control unit 13
Performs TI display control. The key control unit 14 receives input data input by operating the numeric keypad 2 and function keys 5a, 5b, and sends it to the main control unit 11. Slip issuing machine 15
At the end of the transaction, the slip with the transaction data printed thereon is released into the takeout port 4. The banknote dispensing machine 16 discharges a desired amount of banknotes into the outlet 4 when a payment transaction is performed. The line control unit 17 performs transmission control with a center equipped with a large-capacity data file.

FIG. 6 is a diagram showing the structure of the magnetic stripe of the magnetic card used in the above embodiment. Area M1 stores a financial institution number and branch number 1 locus number. Area M5 is an offline storage area. Area M6 is a reserve area and is used for various purposes. A part of this area M6 has transaction limits 1. ! An area (area M60) is set.

FIG. 1 is a flowchart showing the operation when inserting a magnetic cart into the CD and setting the upper limit transaction amount. The operation starts when the upper limit setting function key shown in Fig. 4 is pressed, the user inserts the card in step nl (hereinafter, step ni is simply referred to as ni), and operates the numeric keypad 8 in n2 to enter the password. The number is entered. If this PIN number is correct, proceed to n3 and accept the maximum amount of money from the user. This upper limit amount was stored in the transaction upper limit storage area (area M60) of the magnetic card (n4
), return the card (n5) and stop. n3. n4 corresponds to the transaction upper limit setting means of the present invention.

FIG. 2 is a flowchart showing the operation when a magnetic card is inserted into the CD and a payment transaction is made. The operation starts when the payment key shown in FIG. 4 is pressed, and the user inserts a card at nil, and inputs the password for using the card by operating the numeric keypad 2 at n12. If the password is correct, the desired transaction amount is entered at n13. The main control unit 11 compares this desired transaction amount with the transaction upper limit amount stored in the card n14).
If the desired transaction amount is larger, return to n13 and instruct to redo the input amount, and if the desired transaction amount is less than the transaction upper limit, contact the center where this card account is registered ( n15), and releases banknotes corresponding to the desired transaction amount (n16). After that, the card is returned and the operation is stopped. n14 corresponds to the transaction amount determining means of the present invention.

Note that although a magnetic card is used in this example, the I
A similar effect can be achieved by using C cards.

In this way, when this withdrawal amount upper limit setting system is applied to a system that receives a loan by inserting a card into a CD, etc., the upper limit of withdrawal amount for one transaction is set in consideration of one's own repayment ability. By doing so, when the card holder uses the card to obtain a loan, he or she is not required to pay more than necessary, and the amount of the loan can be made more appropriate.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the operation when a magnetic card is inserted into a CD equipped with an automatic cash transaction upper limit setting system according to the present invention to set a withdrawal upper limit, and FIG. A flowchart showing the operation when withdrawing cash by inserting the magnetic cart, Fig. 3 is an external view of the CD, Fig. 4 is a diagram showing the key arrangement near the CRT of the C'D, Fig. 5 6 is a block diagram of the control section of the CD, and FIG. 6 is a configuration diagram of the magnetic stripe formed on the magnetic card.

Claims (1)

[Claims] (1) By inserting a card with a memory that stores a PIN number, account number, etc. into an automatic transaction processing device, and operating the input keys of the automatic transaction processing device to input the PIN number, desired transaction amount, etc. In an automated cash transaction system that receives refunds of loans or deposits, a transaction upper limit storage area is set in the memory of the card to store the upper limit amount of loans or deposits refunded in one transaction, and the cash transaction processing device A transaction upper limit setting means sets a transaction upper limit amount in an upper limit storage area, and compares the desired transaction amount input at the time of transaction with the transaction upper limit amount stored in the transaction upper limit storage area, and determines that the desired transaction amount is the transaction upper limit amount. A system for setting an upper limit for automatic cash transactions, comprising a transaction amount determining means for continuing the transaction only when the amount is below the amount.