JPS6290765A - Card transaction system - Google Patents

Abstract

PURPOSE:To execute an off-line transaction by constituting the titled system so that a card is inserted in an automatic transaction device, a password code and a requested amount of payment within the drawable balance are inputted by a manual peration so that the cash is payed out. CONSTITUTION:When the user's card 50 is inserted in an automatic transacting machine 10, the password code and the drawable balance are read by a reading/ writing part 6. The password is collated with the one inputted manually by the user and read. Then, when the requested amount of payment is inputted, the cash is payed out from a cash safe 7 if the said amount is within the drawable balance. That is, the user first pays a certain amount of money, and the amount is recorded in the card 50, and the payment of cash is made available within the amount of the drawable balance by means of the off-line transaction.

Description

[Detailed Description of the Invention] [Summary] A card transaction system using a card, in which the card stores data indicating the authenticity of the user, such as a PIN code, and a usable balance corresponding to the amount deposited in advance. By inserting the card into an automatic transaction device and withdrawing money within the available balance, offline transactions using automatic transaction devices of financial institutions, etc. are possible.

[Scope of industrial use]

The present invention relates to a card transaction system using a card used for automatic transactions or a card used for credit at financial institutions, etc., and in particular, it is possible to store an available balance on the card and perform offline transactions within that range. It is related to a card transaction system that can be used.

Recently, automatic teller M
Automated transaction devices such as ATMs (hereinafter referred to as ATMs) are widely used to perform transactions such as withdrawals, deposits, and transfers. Magnetic cards are usually used for payouts and transfers, and recently attempts have also been made to use IC cards. The use of cards has also become widespread for credit sales.

In particular, transactions such as payouts require online communication with a computer center, so a method that allows offline transactions using cards is desired.

[Conventional technology]

FIG. 5 shows a block diagram of the main parts of the ATM, and in the figure, the main control part 1 of ATMloa has a sequence control function and controls each part to carry out transactions.

The operation unit 2 includes a function key for specifying a transaction mode, etc., a numeric keypad for inputting an operation amount, a personal identification number, etc., a confirmation button for inputting whether or not to confirm the displayed amount, etc.

The display 3 displays operation input guidance, input amount,
The input amount etc. will be displayed.

The printer unit 4 prints transaction details on a passbook, receipt, and journal.

The card 5 is a magnetic card having a magnetic stripe, and records customer data such as an account number, a personal identification number, and transaction data such as a deposit balance.

The card read/write unit 6a is configured to read and write the inserted magnetic card 5.
Read recorded data and write updated transaction details.

The cash counting unit 7a includes a cash safe and a storage safe, and performs differential counting of the inserted banknotes and stores them in the storage safe, or dispenses banknotes from the cash safe according to a withdrawal command, performs differential counting, and withdraws money. The cumulative amount for each is memorized.

The calculation unit 8 performs calculations associated with transactions, such as balance calculations and cumulative total calculations.

The line control unit 9 communicates with a computer center (not shown).

Furthermore, although not shown, a card insertion slot, a Japanese currency input slot, and a banknote dispensing slot are provided.

Therefore, when a customer specifies, for example, a payout mode using a function key, and then inserts the card 5 and enters a PIN number and payout amount, the recorded data is read and communicated with the computer center to confirm whether or not the transaction is possible, and the transaction is possible. If so, the banknotes are fed out from the cash safe and dispensed to the banknote payout port. In addition, the details of the transaction are printed and issued on a receipt. In some cases, a transaction may be made using both a card and a passbook, and in that case, the information will also be printed on the passbook.

(Problems to be Solved by the Invention) According to the above conventional method, the balance at the time of the last card transaction is recorded on the card 5, and the balance at the computer center also matches at that time. Up until this transaction, the balance at the computer center does not necessarily match the balance recorded on the card 5 due to payment by automatic transfer, etc., so it is necessary to contact the computer and confirm, and therefore perform an offline transaction. The problem is that it cannot be done.

[Means for solving problems]

FIG. 1 is a block diagram of the principle of the present invention.

In the figure, 2 is an operation unit, 6 is a writing/reading unit, 7 is a cash box, 50 is a card in which the user's PIN code and available balance corresponding to the amount deposited in advance are stored, 1
0 is based on the PIN code and available balance read by inserting the card 50 and the PIN code and designated withdrawal amount inputted through the operation unit 2, and the amount is withdrawn within the range of the available balance of the card and stored in the card 50. This is an automatic transaction device that updates the available balance.

Therefore, the card 50 is inserted into the automatic transaction device 10, and the money is withdrawn by inputting a password and a designated withdrawal amount within the available balance.

(Operation) When the user inserts the card 50 into the automatic transaction device 10,
The PIN code and the available balance are read by the writing/reading unit 6, and the PIN code is verified against the read PIN code by inputting the PIN code.Then, when the specified withdrawal amount is input, it can be used. If the balance is within the range, the money will be withdrawn from the cash safe 7. That is, the user pays a certain amount, records the amount on the card 50, and can withdraw money within the range of the amount through offline transactions. This will be explained with reference to FIGS. 2 and 3. FIG. 2 is a block diagram showing an embodiment of the present invention;
FIG. 3 is a flowchart of FIG. 2. The same reference numerals refer to the same objects throughout the design. The ATM 10a in FIG. 2 that corresponds to that in FIG. 1 is shown surrounded by a dashed line.

In FIG. 2, the main control unit 1a of ATMlob has the same function as the main control unit l described in the conventional example, and
Functions related to offline card transactions (hereinafter referred to as 0FF-L-C transactions), namely: ■ A function to record the amount paid by the customer in advance on the card 5a, which checks the amount by differential counting when cash is inserted. Or, if there is a deposit in the customer account, the amount is dropped from the deposit account at the computer center in the same way as a payout, and the amount is recorded on the card 5a. ■In this case, the deposited amount is stored in the 0FF-L-C deposit cumulative memory. , function to store the cumulative amount in 11, ■The amount withdrawn in 0FF-L-C transaction to 0FF-L-C
The total amount is stored in the withdrawal total memory 12, and the card 5
A function that allows a to update and record the balance after withdrawal; ■ Or'F-L-C deposit cumulative memory 11. and a function of sending the amount accumulated in the 0FF-L-C withdrawal total memory 12 to the computer center for settlement.

The operating section 2b has the same functions as the operating section 2a described in the conventional example, and also includes an 0FF-LC balance update box 20a for specifying the 0FF-LC available balance update mode.

The card 5a is a card on which the customer's personal identification number and the balance of the 0FF-LC transaction are recorded. Alternatively, if there is a deposit in the customer account, the above data is added in addition to the normal transaction card 5 record data described in the conventional example.

The card read/write section 6b has a function of writing/reading data recorded on the transaction card 5 as well as writing/reading the data recorded on the card 5a.
It has the function of writing/reading the FF-L-C available balance.

θl'F-L-C deposit cumulative memory ゛11 is 0FF-L
-C A memory that stores the total amount paid by the customer in advance for the transaction.

0FF-L-C withdrawal cumulative memory 12 is 0FF-L-C
This is a memory that stores the total amount withdrawn through transactions.

Since it has such a configuration and function, the card 5a has 0
The procedure for setting the FF-L-C usable balance is explained using FIG. 3 (al).
Press .

■Insert the card 5a into the card slot of the ATM lobby, enter the PIN number, and confirm the authenticity of the customer.

(2) Then, the current available balance of 0FF-LC in the card 5a is displayed on the display 3.

■Enter the amount you want to set this time, calculate the difference from the set amount in the calculation section 8, and display it on the display 3.

■The customer inserts cash equivalent to the difference into the cash slot and confirms the display. Alternatively, if there is a deposit in the customer account, it will be deducted from the account.

(2) Update and record the 0FF-L-C usable balance of the card 5a.

■Return the card 5a to the customer.

In addition, the withdrawal transaction procedure using the card '5a is explained with reference to Fig. 3 fb).■[1,'l< Insert the card 5a into the card slot of the ATM lob, enter the PIN number, and confirm the authenticity of the customer. do.

■Next, enter the desired withdrawal amount and check the displayed amount.

(2) Subtract the withdrawal amount from the 0FF-L-C usable balance of the card 5a, and update and record the balance on the card 5a.

■Return the card 5a to the customer.

In this way you can use card 5a to get 0 in ATMlob.
FF-L-C transactions can be conducted.

When using the 0FF-L-C transaction for credit purchase as an application of the above embodiment, an 0FF-L-C transaction management account section (not shown) is provided in the ATM 10b, and the 0FF-L-C transaction of the card 5a is C 0 when updating available balance
Deposits and withdrawals are made to and from the FF-L-C transaction management account department account. That is, when increasing the available balance, money is deposited into the account, and when decreasing it, money is withdrawn. As a result of the credit purchase, the usage amount is deducted from the balance of the card 5a and is also credited from the account of the 0FF-LC transaction management account department to the account of the product seller.

Further, as a different embodiment, a block diagram of main parts is shown in FIG. The difference from the embodiment shown in FIG. 2 is that a retracting section 13 for the card 5a is provided behind the card read/write section 6b, and an inter-card balance transfer phase 20b for specifying the transaction mode of inter-card balance transfer is provided on the operation section 2c. different cards 5
By making it possible to transfer the amount to b, the amount is controlled by the main control unit 1b. The transaction procedure is explained below: ■The customer presses the inter-card balance movement phase.

■Insert the card 5a and enter the PIN number to confirm the authenticity of the customer.

■Enter the amount to be transferred, and once confirmation is complete, use Card 5a.
evacuate to the evacuation area.

- Insert a different card 5b and enter the PIN number to confirm the customer's authenticity.

■Check the display of the transfer amount. (This poetic card 5
If there is a balance in b, the total amount will be displayed. ) ■ Update the OFI"-L-C usage balance of a different card 5b and return it.

(2) Return the card 5a from the storage section to the card read/write section 6b, update the 0FF-LC usage balance, and return it.

In this way, the 0FF-LC usage balance can be transferred between cards. Therefore, when transferring so-called card money to another person, it is necessary to process the transfer through online transactions, but the method described above makes it possible to receive and transfer money between cards.

The above card may be a magnetic card, an IC card, or any other recording card, but an IC card with a large storage capacity is recommended.
Using a card is most suitable.

〔Effect of the invention〕

As explained above, according to the present invention, ■Withdrawals and payments are possible through 0FF-L-C transactions.

■It is not affected by the loan limit, that is, the loan limit, the number of times of use, etc.

■There is no need to worry about spending more than the amount the user owns.

■It is not bulky like cash, and unauthorized use can be prevented by using an authentication method.

■ The available balance can be transferred between cards as in different embodiments.

There is an effect.

[Brief explanation of drawings]

Fig. 1 is a block diagram of the principle of the present invention, Fig. 2 is a block diagram showing an embodiment of the invention, Fig. 3 is a flowchart of Fig. 2, and Fig. 4 is a summary of different embodiments of the invention. FIG. 5 is a block diagram showing a conventional example of an ATM. In the figure, 1, la, and lb are main control units, 2.2a to 2c are operation units, 3 is a display, 4 is a printer unit, and 5.5
a and 5b are cards, 6.6a to 6c are card read/write units, 7 is a cash counting unit, 8 is a calculation unit, and the collar line control unit; 10
10a, 10b are ATMs, 11 is Kano F-L-C deposit total memory, 12 is 0FF-L-C withdrawal total memory, 13 is a saving section, 20a is 0FF-L-C balance update button , 20b indicates the inter-card balance mobile phase. (1) OFF-L-CeL! 5. ”(r) 15 Self Kiichi 4'IN (') :j:”1 ffKsl f
``l Pregnancy, Atsushi Figure 31

Claims (2)

[Claims] (1) A card (50
), and the writing/reading unit (6) by inserting the card (50).
The available balance of the card is calculated based on the data indicating the validity of the user and the available balance read by the user, and the data indicating the validity of the user and the designated withdrawal amount input through the operation section (2). A card transaction system comprising: an automatic transaction device (10) that withdraws money from a cash box (7) within a range of 100% and updates the usable balance stored in the card (50). (2) The automatic transaction device (10) has the inserted card (
50) from the writing/reading section (6), and after inputting a designated withdrawal amount within the available balance of the card (50),
2. The card transaction system according to claim 1, wherein the designated amount is recorded on a different inserted card.