JPS61249170A - Automatic transaction processing system - Google Patents

Abstract

PURPOSE:To prevent the excessive draw out of the memory by a child card by judging with the flag whether the card is a new card or a child card, and permitting the draw out at the scope which will not exceed the pullout limit amount stored when the child card is used. CONSTITUTION:An ATM is provided with an input/output device such as a paper money discharging machine 10, and to control the ATM, one master CPU (M-CPU 18) uses plural slaves CPU (S-CPU) 19-23. The processing data in the transaction of the savings, payment, etc., are transmitted from M-CPU 18 through a transmitting control device 39 to a center 40. At the memory of the center 40, the data of the date and all data of the savings account are stored. In the data, there are an account number, a savings balance, a draw out limit amount per constant period by the child card, a renewing data of a constant period, a present payable amount, etc. When the child card is inserted, the child card flag is read, and the amount can be pulled out up to the present payable amount (the sum of the balance and the draw out limit amount) by the child card.

Description

Detailed Description of the Invention (a) Technical Field The present invention relates to an automatic transaction processing system that issues a plurality of card media to one deposit account. (b) Summary of the Invention The automatic transaction processing system according to the present invention includes: Depending on the card held by the account holder (hereinafter referred to as the ``parent card''), the card held by the agent (hereinafter referred to as the ``child card'').

) has a withdrawal limit setting means for setting an upper limit on the amount that can be withdrawn for a certain period of time, and a means for permitting transactions within the withdrawal limit when making a payment transaction with a child card. Preventing deposit withdrawals.

(IJ Conventional technology and its drawbacks) In recent years, many financial institutions have issued multiple cards (so-called cash cards) consisting of a parent card and a child card for one deposit account for the convenience of customers. Of these cards, the child card is owned by the person who jointly uses the deposit account.

For example, an account in the name of a parent is held by a child living in a remote location and used to withdraw money from this account in exchange for monthly allowances.

However, conventionally, the child card has the same automatic transaction processing function as the parent card, so in the above-mentioned usage pattern of the child card, it is not possible for the child to withdraw an amount greater than the amount authorized by the parent. Even if the child tried to do so, the parents had no effective means to prevent it from happening.

(d) Purpose of the Invention In view of the above drawbacks, it is an object of the present invention to provide an automatic transaction processing system that allows a parent card to set a withdrawal limit for a certain period of time by a child card.

(e) Structure and effect of the invention This invention provides an automated system for issuing multiple cards to one deposit account, consisting of a parent card used by the account holder in transactions and a child card used by the agent in transactions. In the transaction processing system, each of the plurality of cards includes a flag for storing whether the card is a parent card or a child card, and a flag for storing whether the card inserted into the card reader of the automatic transaction processing device is the parent card. a withdrawal limit setting means for setting a withdrawal limit for a certain period when a child card is used when the inserted card is a parent card; and a withdrawal limit setting means for setting the withdrawal limit at the center. A means for storing the withdrawal limit set by the means, and a means for permitting withdrawal within the range of the withdrawal limit when a transaction request is made using a child card in the automatic transaction processing device. shall be.

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

The automatic transaction processing device side can identify whether the inserted card is a parent card or a child card using a flag, and when the parent card is inserted into the automatic transaction processing device, the withdrawal limit setting means You can set the amount of money that can be withdrawn using a child card during a certain period of time. This withdrawal limit is stored in the center, and when making a payment transaction using a child card, only the amount within the range based on this limit can be withdrawn. This prevents excessive withdrawals from the child card and The holder will be able to issue a child card and lend it to an agent with peace of mind. As a result, the number of transactions using the automatic transaction processing device will further increase, and it is possible to improve the utilization efficiency of the automatic transaction processing device and improve customer service.

(f) Embodiment FIG. 3 is an external view of an ATV constituting an automatic transaction processing system which is an embodiment of the present invention. On the vertical panel surface of the customer service section of the ATM, there are provided a handling display 12 indicating the handling status, a passbook insertion slot, a card insertion slot 3, and a cash receipt receiving slot 4. The handling display 1 displays ``processing'' when the transaction can be handled, and ``cancelled'' when the transaction cannot be handled. The passbook insertion slot 2 is used for inserting and ejecting a passbook. A card on which bank number 1, account number, personal identification number, etc. are magnetically recorded is inserted through the card insertion slot 3 and returned. The cash/receipt receiving slot 4 is used for discharging banknotes and statement slips for payment transactions.A CRT 5 for displaying operation guidance is provided on the horizontal panel surface of the customer service section. CR
T5 displays operation guidance text to guide the customer's operation, function key display, input amount, and other guidance.

FIG. 4 shows the key arrangement around the CRT5. 6.7
8 is a function key used for inputting a transaction type, etc., and 8 is a numeric keypad. The function keys 6 include a limit setting key 6a for selecting a withdrawal limit setting mode. The numeric keypad 8 includes keys such as "10,000", "1,000", and "Yen", and these keys are used to input a password, billing amount, etc. 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, a banknote deposit/withdrawal port 9 is provided which is composed of a deposited banknote insertion port and an inserted banknote return port.

FIG. 5 is a block diagram of the ATM. This ATM serves as an input/output device for receiving payment bills into cash/receipt receiving slot 4.
A banknote dispensing machine 10 that discharges banknotes into the banknote deposit/withdrawal slot 9, a pill checker unit that determines the authenticity of banknotes inserted into the banknote deposit/withdrawal port 9, and a bank recorder that records transaction data such as transaction processing, payment amount, deposit amount, etc. for each transaction process. A slip issuing machine 12 that prints and records on slips
, a card reader 13 that reads information magnetically recorded on a card inserted into the card insertion slot 3, a passbook printing machine 14 that prints each transaction data on a passbook, and a function key 6.
．． 7 and numeric keypad 8, including keypad 5, CRT5
It is equipped with a display device 16 including.

The control system that controls the above input/output devices consists of one master C
It is constituted by a mask slave system in which a PU (M-CPU) 1B controls a plurality of slave CPUs (S-CPUs) 19 to 23 via a pass line.

M-CPU 18.5-CPU 19 to 23 have R pre-stored execution programs for each transaction process such as deposit and payment.
OMs 25-30 are connected, respectively, and RAMs 32-37 for temporarily storing various processing data are connected, respectively. A transmission control device 39 for transmitting and receiving data and the like to and from the outside is connected to the path 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 5-CPU, each 5-CPU executes each input/output device according to the execution program stored in the ROM 26 to 30 to perform the operation specified by the command. and sends necessary data generated during execution of the processing to the M-CPUI 8. Processing data for transactions such as deposits and payments are sent from the M-CPU 18 to the transmission control device 3.
9 to the center 40, and necessary information from the center 40 is transmitted to the M-CPU 18 via the transmission control device 39.
sent to.

FIG. 6 is a diagram showing the main part of the storage device of the center 40. As shown in FIG. Area M1 stores the year, month, and day of that day.
2 stores all deposit account data. Area M3 is a buffer that temporarily stores data when it is transmitted from a terminal. The data for each deposit account in Area 2 is the account number (M2O) and deposit balance (M21).
, withdrawal limit (M
22), the renewal date for the certain period (M23), and the current payable amount by the child card (M24).

Here, the withdrawal limit is, for example, the limit on the amount that can be withdrawn per month (certain period) using a child card. The fixed period is repeated every time the previous fixed period has elapsed, and the start date of the repetition is the update date. For example, it is set to "25th of every month". The payable amount is the remaining amount after subtracting the amount that has already been withdrawn from the withdrawal limit, and within a certain period of time, only the amount corresponding to this payable amount can be withdrawn. - After a certain period of time, the withdrawal limit will be added to the payable amount, so
If there is a remaining amount that has not been withdrawn in the immediately preceding fixed period, the sum of that remaining amount and the withdrawal limit for this fixed period can be withdrawn during this fixed period. The buffer (M3) also contains the terminal number from which the data was transmitted (M2O), the deposit account number from which the transaction was requested (M31), the type of transaction (MB2), and whether the card inserted into the terminal is a child card. It consists of a flag (M33) that is set when a payment transaction is made, a requested payment amount (M34) when the transaction is a payment transaction, etc.

FIG. 7 is a schematic structural diagram of a magnetic card used in the ATM. The magnetic stripe 5 is on the surface of the card body 50.
1 is formed. The magnetic stripe 51 includes a code 51a of the bank that issued the card, a deposit account number 5lb, and a child card flag (F) 51c as magnetic stripe data.

A password 51d is stored. 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 explained below with reference to flowcharts.

FIG. 1(A) shows the operation when inserting the parent card into the ATM and setting the withdrawal limit. step nl
(Hereinafter, step ni will be simply referred to as ni.) When the limit setting key 6a is pressed by the user, the process waits until the card is inserted into the card insertion slot 3 at n2. When a card is inserted, n3 reads the card data and if the card is not valid for this automated transaction processing system (n
4), and if the inserted card is a child card (n
5) Return the card (n 10). If the inserted card is a valid parent card, proceed to n6;
The password is input at step n7, and if the password matches the password of the card data at step n7, the process proceeds to step n8. If they do not match, the card is returned (n 10).

At n8, the withdrawal limit amount is input by operating the numeric keypad 8, the input withdrawal limit amount and card data are transmitted to the center, and the withdrawal limit amount is stored in the file of the center 40. When a signal indicating completion of setting is received from the center 40, the card is returned (nlo) and the operation is completed.

FIG. 1(B) shows the operation when inserting a card into the ATM and performing a payment transaction. When the user presses the payment key at tllll, the process waits until the card is inserted into the card insertion slot 3 at n12. When the card is inserted, n1
3, the card data is read, and if the card is not valid for this automatic transaction processing system (nl4), the card is returned (n23). At n15, the child card flag (51a) of the card data is determined, and if the child card flag is sent, the child card flag of the data to be sent to the center 40 is also set. When the user enters a PIN number at n17, it is determined at n18 whether the PIN number matches the PIN number in the card data, and if they do not match, the card is returned (n23). If they match, n1
Step 9 accepts the input of the billed amount from the user, sends the inputted billed amount and card data to the center, and withdraws the money.

Ask for a decision on whether or not to do so (n20). If the reply from the center is a withdrawal tube, proceed to n22 to process the withdrawal and then return the card (n23); if withdrawal is not possible, proceed directly to n23 to return the card.

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

FIG. 2(B) is a flowchart showing the operation of the center when data is received from the ATM, which is a terminal. n3
0, waits until data is received from the ATM, and if data is received, n31. At n32, it is determined whether the data is data related to payment transactions or data related to withdrawal limit setting. If the data is related to a payment transaction, the process advances to n33 to determine whether the card inserted into the terminal is a parent card or a child card. If it is a parent card, proceed to n34, and if the billed amount is within the balance, send data indicating that payment is possible to the terminal (n35), and if it exceeds the balance, send data indicating that payment is not possible to the terminal (n37).
. If the terminal completes the withdrawal process as a result of transmitting payment data to the terminal, the balance is updated (n36) and the operation ends.

If the card inserted into the terminal is a child card, n38.
At n39, it is determined whether the requested payment amount is less than the payable amount and the balance. If the requested payment amount is less than the payable amount and balance, proceed to n40 and send the payable data to the terminal, and when the terminal completes the withdrawal operation, correct the balance and payable amount (n41.n42). ) Finish the action. If the requested payment amount exceeds the payable amount or balance, data indicating that payment is not possible is transmitted to the terminal (n37).

On the other hand, if the data sent from the terminal is related to setting the withdrawal limit, it is necessary to set the payment withdrawal limit for the child card of the deposit account n43), and other data is sent from the terminal. For example, processing corresponding to the data is performed (n44), and the operation ends.

In addition, n5. Means for determining whether n15 and n33 are parent cards or child cards of the present invention using flags, FIG. 1(A)
The operation shown in is the withdrawal limit setting means of the present invention, n
43 is a means for storing the withdrawal limit of this invention, n3
8 corresponds to the means for permitting withdrawal within the range of the withdrawal limit of this 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 by considering it as a budget. As a result, it is possible to send money using the same account, which was conventionally done by transferring money to the other party's account or remitting money by mail. Also, in other cases, withdrawals are made according to a preset budget, so there is an advantage that healthy card usage can be achieved.

[Brief explanation of the drawing]

Figures 1 (A) and (B) are flowcharts showing the operation of an ATM used in an automatic transaction processing system that is an embodiment of the present invention, and Figures 2 (A) and (B) are flowcharts showing the operation of the center of the above embodiment. Flowchart showing the above ATM
FIG. 4 is a diagram showing the key arrangement near the display section of the ATV, FIG. 5 is a block diagram of the ATV, FIG. 6 is a partial configuration diagram of the center memory, and FIG. 7 is a diagram showing the above implementation. FIG. 2 is a schematic configuration diagram of a magnetic card used in an example. 6a-Limit setting key.

Claims (1)

[Claims] (1) An automatic transaction processing system that issues multiple cards for one deposit account, consisting of a card used by the account holder during transactions (parent card) and a card used by the agent during transactions (child card). , 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 of the automatic transaction processing device is determined to be the parent card. means for determining whether or not the card is a parent card based on the flag, and a withdrawal limit setting means for setting a withdrawal limit for a certain period when using a child card if the inserted card is a parent card. means for storing the withdrawal limit set by the withdrawal limit setting means, and permitting withdrawals within the range of not exceeding the withdrawal limit when a transaction request is made to the automatic transaction processing device using the child card; An automatic transaction processing system characterized by providing means.