JPS6175998A - Card transaction system - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] (a) Technical Field The present invention relates to a card transaction system that processes transactions by inserting a card into a terminal such as a CD or an ATV, and in particular, a system in which a transaction time slot is reserved for the card. related to things.

伽）Prior art and its drawbacks Currently, payments are made using cards at ATMs, CDs, etc.
Transactions such as deposits are carried out, but anyone can use the card to make transactions regardless of the card holder.
Problems such as fraudulent use of stolen or lost cards have arisen.

(C1 Purpose of the Invention In view of the above-mentioned problems, the purpose of the present invention is to prevent unauthorized use of a card by a stolen or lost card by setting a time slot for the next transaction on the card. The goal is to provide a system.

Td) Structure and Effects of the Invention To summarize, this invention includes: A card is provided with a memory that stores in advance the time period for the next transaction, and the time period stored in the memory is read out from the card and compared with the current time. The present invention is characterized in that the terminal or the center is provided with a checking means for checking whether the time zones of the transaction match, and the card transaction is performed only during the time zone of the memory.

With the above configuration, according to the present invention, the time slot for the next transaction is reserved on the card, and transactions are only performed during that time slot, and transactions at other time slots are not accepted at all.
Even if a card is obtained illegally and an attempt is made to use it at a terminal, the transaction cannot be performed unless the user knows the reserved time slot, thereby improving the security of card transactions.

(EL Embodiment FIG. 2 is a schematic block diagram of an ATM of a card transaction system which is an embodiment of the present invention.

The ATM is composed of a microcomputer system including a CPU and a memory 2, and is connected to a bank center 12 via a communication control device 3 and a data line 13. 4 is a key human power device such as an operation key operated by a customer;
Reference numeral 5 designates a CRT display that displays guidance etc. to guide the customer's transaction operations, 6 a card reader/writer that reads or writes a magnetic card, and 7 a timer that measures the date and time of an ATM transaction. Deposit/withdrawal processing units such as a banknote processing unit 8, a coin processing unit 92 and a passbook processing unit 10 are connected to the CPUI via an interface 11.

FIG. 3 shows the card formant of the magnetic card used in the ATM. An ID mark, a bank approval mark, and a password are recorded in areas A-C. In area D, the number of the corresponding bank is recorded, and offline usage items (limit amount, etc.) are recorded last. Area E is a reserve field, and time zone data for the next transaction is recorded in this reserve field. The reservation time zone data consists of the year, month, date, and usage time zone, and the area for each data is assigned to the reserve field. Operating hours are 9:00-12:
00. tz;oo~15:00 and 15:00~The end time is divided into three parts, and each time period is recorded as "0", "1", and "2". For example, if "5910052" is set in the reservation time area, this data will be
Day 15 = represents that the transaction time zone is set in the usage time zone from 00 to the end. When the time slot for the next transaction is not reserved, oooo'' is written as a no-reservation code.

Next, the operation of withdrawal transaction processing in the above card transaction system will be explained with reference to the flowchart shown in FIG.

First, in step nl (hereinafter step ni will be simply referred to as ni), a guide prompting for card insertion is displayed on the CRT screen. When the card is inserted, the validity of the card is checked (n2.n3). If the card is determined to be valid based on the ID information, the process moves on to checking the validity of the transaction time (n3.n4)
). If the card is invalid, return it (n7).

At n4, validity is checked by comparing the transaction time zone data reserved in the reserve field with the current time zone data managed on the ATM side. The date is the same,
When the current time is within the set usage time zone, it is determined to be valid and transactions are possible. If the transaction hours do not match, it is determined whether a "no reservation code" has been written. When the "no reservation code" is written, transactions are possible, otherwise the card is returned (n6.n?). If the transaction time has passed or is before the transaction time, the card is returned and processed at the counter, where the owner is verified and the usage time is rewritten so that the card can be used.

Match trading hours or “no reservation code”
is written, a guide prompting you to enter your password manually is displayed (n5). When the password is keyed in, the authenticity of the password is determined (n8, n9). If the keyed-in PIN number does not match the card PIN number, the user is prompted to re-enter the password (nlO). If the password matches, a message prompting you to input the withdrawal amount is displayed (nil). When the withdrawal amount is keyed in, the amount is checked (n12, n13). The account balance and withdrawal amount are compared through communication with the center, and if the withdrawal amount is exceeded, re-input is instructed (n14).

If the withdrawal amount can be withdrawn (n13), the process moves to withdrawal processing (nL3). When the withdrawal process is completed, a guide is displayed asking whether or not to set the next transaction time slot (016). If you wish to set the trading time zone, press the setting instruction key (not shown)
Press down. A confirmation key may be used for this intention saw. If you do not want to make any settings, press the exit key. If there is an intention to set it (n17), input the next transaction time zone data, that is, the year, month, date, and usage time zone (n18).

Next, the key-entered transaction time period data is written into the spare field E, and the card is then returned and the transaction ends (n19).
．． n20). If you do not want to set the time zone, write the "no reservation code" and exit after returning the card (n17.n2
1. n20).

By the above operation, it is possible to set the time slot for the next transaction on the magnetic card, check the validity of the transaction time slot when the card is inserted, and prevent unauthorized use of the card. Above n
4 corresponds to the checking means of the present invention. By scrambling the reserved time slot data of the card using software, a special card league may read the reserved time slot to prevent unauthorized use or tampering. In addition,
The present invention can also be applied to card transaction systems that use credit cards and IC cards.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the operation of a withdrawal transaction in a card transaction system according to an embodiment of the present invention, FIG. 2 is a schematic configuration diagram of an ATM in the same card transaction system, and FIG.
FIG. 3 is a format diagram of a magnetic card used in TM. E--Reserve field (in the magnetic card's memory that stores the time period of the next transaction).

Claims (1)

[Claims] In a card transaction system in which data is exchanged and transactions are processed between a terminal and a center using a card as a medium, the card is provided with a memory that stores in advance the time slot for the next transaction, and the card is transferred from the memory to the memory. A checking means is provided in the terminal or center to read out the time zone stored in the memory and compare it with the current time to check whether the transaction time zones match, so that card transactions are performed only during the time zone stored in the memory. card transaction system.