JPS63250794A - Prepaid card settling apparatus - 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] <Industrial Application Field> This invention provides a card for which a predetermined amount is paid in advance, which gives the right to purchase a specific item or receive a specific service, for example. This invention relates to a prepaid card vending device for selling prepaid cards, and in particular, the present invention provides a prepaid card vending device equipped with means for ensuring the security of such cards (hereinafter referred to as "prepaid cards"). belongs to.

<Prior art> Conventionally, this type of device has a method (referred to as the "first method") in which when a card purchaser requests the issuance of a prepaid card, all necessary information is recorded on the card and the card is sold. A method in which multiple prepaid cards with all information recorded on them are prepared in advance, and when a card purchaser requests the issuance of the cards, the desired number of cards are released (``Second Method'')
In addition, in order to increase the security of prepaid cards, multiple prepaid cards with specified information recorded are prepared in advance, and when a card purchaser requests a card issuance, the card is sent to the prepaid card. A method (referred to as the "third method") has been proposed in which a PIN code for authenticating the purchaser is recorded and sold.

<Problems to be Solved by the Invention> However, among the above methods, the device according to the first method not only has a complicated structure and takes a long time to process the card sale, but also has problems if the device is stolen. , there are problems such as causing a huge loss to the seller.

In addition, in the case of the second method, since the prepaid card is already a valuable asset before it is released, there is a high risk that it will be stolen during the storage or distribution process of the device, and in addition, from a financial management perspective, it is difficult to manage the product. There are inconveniences such as being targeted.

Furthermore, in the case of the third method, the prepaid card after it is released is safe and useful, but the operation is complicated because it is necessary to enter a PIN number when purchasing the card, and the PIN number is not required when using the card. There is a problem in that verification is required each time, leading to complicated operations and processing.

This invention is intended to solve the above problem,
By adopting a method of recording either authentication information or transaction restriction information on the prepaid card based on the card purchaser's choice, we ensure the security of the prepaid card and simplify operations and processing when purchasing and using the card. The purpose of the present invention is to provide a prepaid card vending device that is easy to use.

Means for Solving the Problems In order to achieve the above object, the present invention provides a card that gives the right to purchase goods, provide services, etc. by prepaying an amount equivalent to the value of the card. The prepaid card sales device to be sold includes an authentication information input section for card purchasers to enter their own authentication information manually, and a restriction information input section for inputting transaction restriction information classified based on the content of transaction restrictions. , and an information recording section for recording either the input information from the authentication information input section or the input information from the restriction information input section on the sale card.

<Operation> The card purchaser inputs either his or her own authentication information or restriction information by operating either the authentication information input section or the restriction information input section based on the card purchaser's selection. Therefore, since the card is validated when any information is recorded on the card, the safety of the card is ensured regardless of whether it is released or released. In addition, since personal authentication information is recorded on the card only when the card purchaser requests it, the complexity of input operations is hardly a problem, and verification of authentication information each time the card is used is not necessary, so it is easy to operate and The complexity of processing is also reduced.

<Embodiment> FIG. 1 shows a prepaid card vending device according to an embodiment of the present invention, in which a guide display section 2. Push button switch for card type selection 3. Push button switch for selecting the number of cards purchased 4. Insert waste card 5. PIN code input selection push button switch 6, master code input selection push button switch 7, numeric keypad 8. A card ejection port 9 and the like are provided.

The guide display section 2 is for displaying operating procedures and input data when purchasing a card. The card type selection push button switch 3 is used to select the type of prepaid card you wish to purchase (in this example, three types: 10,000 yen card, 3,000 yen card, and 000 yen card). be. The push-button switch 4 for selecting the number of prepaid cards to be purchased is used to select the number of prepaid cards to be purchased, and there are three types of push-button switches: for purchasing 1 card, for purchasing 5 cards, and for purchasing 10 cards. be.

For example, if you want to purchase 7 3,000 yen cards, press iRoswitch 3 for card type selection.
After pressing the push button switch 4, press the push button switch 4 for purchasing 5 cards once and again.
Press the push button switch for purchasing tickets twice.

The waste card slot 5 is used for storing used prepaid cards (this is called "
This is a part for inserting "waste cards"), and the card ejection port 9 is a part for ejecting cards to be sold.

The pin code input selection push button switch 6 is selected and operated when the card purchaser wishes to record a pin code on the purchase card, and the master code input selection push button switch 7 is operated.
is selected when the user desires to record the master code on the purchase card. The personal identification code is an arbitrary symbol string selected by the card purchaser to authenticate himself, and this symbol string is input by pressing the numeric keypad 8. The master code is a predetermined symbol string for specifying the class of transaction restriction information regarding the card usage range and the upper limit of card transactions, and in this embodiment,
Four types of master codes A to D are preset according to the content (class) of the restriction information.

FIG. 2 shows an example of a circuit configuration of a prepaid card vending device according to an embodiment of the present invention.

The illustrated example includes an interlock control section 10, a data input section 11, and a data input section 11. Waste card reading section 12. Data organization section 13. It includes a card writing section I4 and a card transport mechanism section 15, and the interlocking control section IO includes a transaction/credit system 16.
is connected.

The data input section 11 is a section for inputting data necessary for card purchase, and is a push button switch 3 for card type selection arranged on the customer service surface 1. Push-button switch 4 for selecting the number of cards to purchase; push-button switch 6 for selecting the PIN code input
, master code input selection push button switch 7, numeric keypad 8
It includes each configuration such as. The waste card reading unit 12 is a part that reads the PIN code and master code from the waste card inserted from the waste card slot 5, and the data organization unit 1
3 organizes data input by the data input section 11 and data read by the waste card reading section 12 into a predetermined card recording format. Note that the above-mentioned waste cards are collected within the device, but in the case of a closed loop system such as a warehouse management system for a shared parts warehouse or a shared machine operation management system, the collected waste cards are rewritten and reused.

The card writing section 14 is a section that records the data organized by the data organizing section 13 on the prepaid card by electrical, magnetic, electrostatic, or other means. to close the power supply circuit and activate the device. The card transport mechanism section 15 transports prepaid cards to be sold to the card discharge port 9, and transports the waste cards into the inside of the container from the waste card input port 5.

The interlocking control unit 10 transmits and receives data and control signals between the prepaid card vending device and the transaction/credit system 16, and performs timing interlocking with each of the above components.
It is responsible for the feedback function of the online function abnormality of the credit system 16.

The transaction/credit system 16 may include, for example, an online automatic deposit system.
It is a lending machine that collects cash with the release of prepaid cards,
Performs incidental operations such as credit sales, credit, and tax collection agency. Note that this transaction/credit system 16 may be a terminal connected to a line network.

FIG. 3 shows the control procedure of the prepaid card vending device. At the start of the figure, when the card purchaser inputs the total amount of the prepaid card he/she wishes to purchase from the transaction/credit system 16, this amount data is stored in step 1 of the figure (in the figure, rS
TIJ) is sent to the interlock control unit 10 and stored in the memory within the interlock control unit 10. In the next step 2, the card purchaser successively presses the card type selection push button switch 3 and the card purchase quantity selection push button switch 4 of the data input section 11 to input the type and number of prepaid cards he or she wishes to purchase. do.

Next, the interlock control unit 10 calculates the total sales amount based on the type of prepaid card and the number of purchased cards input from the data input unit 11, and in the next step 3, calculates the total sales amount and the transaction/transaction amount.
The amount received data received from the credit system 16 is compared. As a result, if the amount received data is greater than or equal to the total calculated value, step 3 becomes "YES" and the process proceeds to step 4, where a message prompting the user to insert the waste card is displayed on the information display section 2 of the customer service area l. Ru. On the other hand, if the received amount data is smaller than the total calculated value, the determination in step 3 is "NO";
In step 10, an error message is displayed on the guide display section 2.

Next, when the card purchaser inserts a waste card into the waste card slot 5, the waste card is taken into the device by the card transport mechanism section 15. When the interlocking control unit 10 detects that the waste card is taken in, step 5 returns “YES”.
”, and in the next step 6, the waste card reading section 12 operates to read the code information recorded on the waste card.

Next, the interlock control unit 10 determines whether the read code is a master code or a password code (step 7). As a result, the master code, if it is a master code, or the pin code, if it is a PIN code, is generated in a predetermined card recording format in the data organization section 13, and then this is transferred to the card writing section 1.
4 to the release card (step 8.16
>. When similar writing is performed on each card of the purchased number, the card transport mechanism section 15 operates to guide the sale card to the card ejection port 9 and eject it.

If the waste card is not inserted in step 5, the card purchaser must set transaction restrictions on the prepaid card to be purchased, such as the range of card usage and the maximum amount of card transactions, or perform personal authentication using a PIN number. You will have to choose between adding the function.

If the card purchaser wishes to set transaction restrictions, if the answer is "YES" in step 11, then in step 12 he or she must press one of the master code input selection pushbutton switches 7 on the customer service surface 1. This allows you to select one of the classified transaction restrictions and specify the corresponding master code. As a result, the interlocking control section 1
0 means that after searching the table in which master codes are recorded in step 13 and reading out the master code corresponding to the pressed master code input selection push button switch 7, the master code writing process in step 8 is performed. I,
In step 9, the processed card is released.

On the other hand, if the card purchaser wishes to set a pin code, step 11 is 1NO'', and step 14
After pressing the push-button switch 6 for selecting a password input on the customer service surface 1, the customer enters a password of his/her own selection using the numeric keypad 8. After this code input is organized into a predetermined card recording format in the data organization section 13 (step 15), the card recording format is written on the card, and the processed card is ejected (step 16.9).

In this way, the card purchaser can use the above-mentioned prepaid card to sell predetermined goods or receive predetermined services.

FIG. 4 shows an example of the configuration of an automatic withdrawal machine, which is installed in a vending machine for dispensing goods and the like using prepaid cards.

The illustrated automatic withdrawal machine has an interlocking control section 20, a card reading section 21, and a card reading section 21. Master code verification section 22, PIN code input section 23. PIN code verification section 24. Balance update section 25. It includes a card writing section 26 and a card transport mechanism section 27, and the interlocking control section 20 includes a transaction system or a data communication terminal device (hereinafter referred to as "transaction system etc.").
28 are connected.

The card reading section 21 is for reading and temporarily storing recorded data of an inserted prepaid card.

The master code collation unit 22 collates the master code of the read data with the master code for each class, generates a class type signal, and transfers it to the interlock control unit 20 . The PIN code input section 23 is a part used for inputting a PIN code by the card user. The PIN code verification unit 24 is activated when the master code verification is unsuccessful, and after converting the input data from the PIN code input unit 23 into a card recording format, the data is verified against the read data.

The balance update unit 25 is a part of the read data that updates the balance by deducting the value (invoice amount) of the goods or services from the balance data when providing goods or services. The information is written to the prepaid card by the writing section 26. The card transport mechanism section 27 takes in the prepaid card and returns it after use.

The interlocking control unit 20 controls this automatic withdrawal machine, transaction system, etc. 28
In addition to transmitting and receiving data and control signals to and from the network, linking timing with each of the above components, and handling abnormalities when an online failure occurs during a transaction.

Note that the 28 transaction systems are, for example, accommodation and food payment settlement machines, and the data communication terminals are seat reservation ticket vending machines and the like.

FIG. 5 shows the control procedure of the automatic withdrawal machine.

When a prepaid card is inserted into the automatic withdrawal machine at the start point in the figure, the inserted card is taken into the machine by the card transport mechanism section 27, and then the card reading section 21 records the card's recorded data (balance, code, etc.). is read (step 21). Of this read data, the balance is sent to the interlock control section 20, and the code is sent to the master code verification section 22 and the PIN code verification section 24, respectively, and stored in the memory of each section (step 22).

First, the master code collation unit 22 determines whether the sent code is a master code, and when step 23 is "YES", the master code is
will be forwarded to. Next, the interlock control unit 20 determines whether or not this master code matches the service code stored in correspondence with the transaction system 28, and step 25 determines "
If the judgment is ``YES'', the process proceeds to step 26, and the balance data stored in the memory is sent to the transaction system etc. 28.If the master code and service code do not match, the judgment in step 25 is ``NO'' and the An error message will be displayed on the device (not shown) and the transaction will be aborted (
Step 34).

When the transaction in the transaction system, etc. 28 is thus completed, the billed amount for the transaction is transmitted from the transaction system, etc. 28 to the interlock control unit 20. As a result, the determination in step 27 becomes "YES", and the interlock control unit 20 then calculates the total billed amount (step 28), and determines whether the total value is less than or equal to the balance (step 29).

If the total value is less than the balance, the judgment in step 29 is “
YES'', then the balance updating unit 25 calculates a new balance based on the total value and stores the calculation result in a register or the like (step 30).On the other hand, if the total value exceeds the balance, step 29 becomes “NO”, an error message is displayed on the display device, and the transaction is canceled (
Step 35).

In step 31, it is determined whether or not the transaction will continue. If the transaction continues for m, the process returns to step 26 and the same procedure is repeated. On the other hand, if the transaction is to be completed, the process proceeds from step 31 to step 32, where the card writing section 26 records the latest balance data on the prepaid card based on the balance data held in the balance updating section 25, and then the card transport mechanism The card is returned by the operation of section 27 (step 33).

Next, in step 23, if it is determined that the code read from the inserted card is not a master code but a PIN code, the process proceeds from step 23 to step 36, where a message prompting the user to input the PIN code is displayed on the display device. Is displayed.

When the PIN code is input from the PIN code input unit 23 in this way, the PIN code verification unit 24 compares the read data regarding the PIN code with the input data in step 37.
Determine if both data match. If a match is determined, the process proceeds from step 38 to step 26,
Processing similar to the above is performed (steps 26 to 32)
.

On the other hand, if a non-matching judgment result is obtained in step 38,
In step 39, a message indicating that the PIN code is different is displayed on the display device, and in the subsequent step 40, the contents of the counter n held by the PIN code verification section 24 are incremented by 1. In the next step 41, it is determined whether the content of this counter n has reached "3", and if the determination is "No", the process returns to step 36 and a request is made to re-enter the password. Also, if the content of counter n reaches "3", step 4
2 to clear the counter n and cancel the transaction.

When the transaction is completed or canceled, the card transport mechanism section 27
is activated, the prepaid card is returned, and the series of processing is completed (step 33).

<Effects of the Invention> As described above, in this invention, prepaid cards are activated at the time of card release, so prepaid cards are not yet valuable items before they are released, so they cannot be stolen during storage or distribution of the device. (Moreover, it is not subject to financial management or product management. Also, it can be configured to record only authentication information or transaction restriction information when the card is released.
Compared to a method that records all necessary data at the time of card sale, the structure is simpler and the card sale processing time is shorter, and even if this device is stolen, there is a risk of large losses for the seller. Nor.

Furthermore, since we have adopted a system in which either authentication information or transaction restriction information is recorded on the prepaid card based on the card purchaser's choice, authentication information is recorded on the card only if the card purchaser wishes. Compared to the method of recording authentication information on a card, the complexity of input operations is almost no problem, and there is no need to check authentication information each time a card is used, reducing the complexity of operations and processing. be done.

[Brief explanation of drawings]

FIG. 1 is a front view showing the customer service side of a prepaid card vending device according to an embodiment of the present invention, FIG. 2 is a block diagram showing the circuit configuration of the prepaid card vending device according to an embodiment of the present invention, and FIG. 4 is a block diagram showing an example of the circuit configuration of an automatic debit machine, and FIG. 5 is a flow chart showing a control procedure of the automatic debit machine. 6...Push button switch for selecting PIN code input 7...
-Push button switch for master code input selection 8...Numeric keypad 11...Data input section 14...Card writing section Patent applicant Tateishi Electric Co., Ltd. 7 In≦ -Password entry is
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Claims (3)

[Claims] (1) A prepaid card sales device that sells cards that give the right to purchase goods or provide services, etc. by paying an amount equivalent to the value in advance, and in which the card purchaser enters his or her authentication information. a restriction information input section for inputting transaction restriction information classified based on the contents of the transaction restriction, and a restriction information input section for inputting information input from the authentication information input section or from the restriction information input section. A prepaid card vending device comprising an information recording section for recording any of the input information on a vending card. (2) The authentication information is an arbitrary password selected by the card purchaser, and the password information input section is provided with a numeric keypad for inputting the password as a code. The prepaid card vending device described in paragraph 1. (3) The transaction restriction information is predetermined information regarding the card usage range and the upper limit amount of card transactions, and the restriction information input section has information divided into classes based on the card usage range or the upper limit amount of card transactions. The prepaid card vending device according to claim 1, further comprising a selection push button switch for inputting a plurality of transaction restriction information using a master code.