JPS6175999A - 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, ATM, etc.
In particular, it relates to a card in which the next withdrawal amount is reserved.

(b) 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 have arisen in which stolen or lost cards are used fraudulently to withdraw deposits.

(C) Purpose of the Invention In view of the above-mentioned problems, the purpose of the present invention is to provide a card transaction system that can prevent unauthorized withdrawals using stolen or lost cards by presetting the next payout amount on the card. It's about doing.

(d) Structure and Effects of the Invention To summarize, this invention provides a card with a memory that stores in advance the withdrawal amount to be paid out next time, reads out the withdrawal amount stored in the memory from the card, and then reads out the withdrawal amount stored in the memory. The terminal or the center is provided with a checking means for comparing the input amount and checking whether the withdrawal amount matches, and the withdrawal transaction is performed only for the withdrawal amount in the memory.

With the above configuration, according to the present invention, the next payout amount is reserved on the card, and only withdrawal transactions with that amount are performed, and transactions with other amounts are not accepted at all, so that the card can be fraudulently obtained. Even if you try to use the card at the terminal, you will not be able to withdraw it unless you know the reserved withdrawal amount, which improves the security of card transactions.

(e) 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 consisting of a CPUI 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 indicates a CRT display that displays guidance etc. to guide the customer's transaction operations, 6 a card reader/writer that reads or writes magnetic cards, and 7 a timer that measures the date and time of ATM transactions. The processing unit 8. The deposit/withdrawal processing units such as the coin processing unit 91 and the bankbook processing unit 10 are connected to the CPtJl via the interface 1'1.

FIG. 3 shows the card format 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 the next payout amount data is recorded in this reserve field. The reservation withdrawal amount is recorded in two numbers: 100,000, 10,000, and 1,000. For example, if "123" is set in the reservation withdrawal amount area, this data represents that an amount of 121,000 yen is set. When the withdrawal amount for the next payout is not reserved, "000" 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 the user to insert a card 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 for the presence of a “no reservation code” (n
3. n4). Return the card if it is invalid (
n5). At n4, it is determined whether a "no reservation code" is written in the reserved field E. When the "no reservation code" is written, transactions are possible, otherwise the card is returned (n4, n5).

When the card is valid or has a “no reservation code” written on it, a message prompting you to enter your PIN will be displayed (n6
). When the password is keyed in, the authenticity of the password is determined (n7, n8). If the keyed-in PIN does not match the card PIN, prompt for re-entry (n9)
. If the passwords match, a message prompting you to input the withdrawal amount is displayed (nlO). When the withdrawal amount is keyed in, the amount is checked (nil, n12).The amount check in n12 is performed by comparing the reserved amount in the preliminary field E with the input amount to see if the withdrawal amount matches. By comparing the withdrawal amounts, if the withdrawal amount is not the same, you will be instructed to re-enter the amount (n
14). If the amount does not match even after re-entering the amount several times,
After the card is returned, processing proceeds to the counter, where the owner is verified and the amount is rewritten so that it can be used. If the withdrawal amount can be withdrawn (n12), the process moves to withdrawal processing (n14).

When the withdrawal process is completed, a guide is displayed asking whether or not to set the next withdrawal amount (n15) - If the user intends to set the withdrawal amount, the setting instruction key (not shown) is pressed down. A confirmation key may be used for this input of intention. If you do not want to make any settings, press the exit key. When there is intention to set (n1
6) Enter the 100,000, 10,000, and 1,000 digit values of the next withdrawal amount (nl7). Subsequently, the inputted withdrawal amount data is written into the reserve field E, and then the card is returned and the process ends (n1B, n19). If you do not want to set the amount, write the "no reservation code" and return the card to end the transaction (nL6.n19.n20) By the above operation, the payout amount for the next withdrawal transaction will be set on the magnetic card, and the payout will be made when the card is inserted. It is possible to check the validity of the amount and prevent unauthorized withdrawals by card. The above n12 corresponds to the checking means of the present invention. By scrambling the card reservation amount data using software, a special card league can read the reservation amount and use it fraudulently.
Or you can prevent it from being done intentionally. Note that the present invention can also be applied to a card transaction system using credit cards or IC cards.

[Brief explanation of drawings]

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 next payout amount).

Claims (1)

[Claims] In a card transaction system that processes transactions by exchanging data between a terminal and a center using a card as a medium, the card is provided with a memory that stores in advance the amount to be paid out next time, and A checking means is provided in the terminal or center to read out the withdrawal amount stored in the memory and compare it with the amount entered at that time to check whether the withdrawal amounts match or not, and only the withdrawal amount stored in the memory is withdrawn. A card transaction system designed to perform gold transactions.