JPS63282598A - Dealing machine - 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 Summary of the Invention An ID number is added to a prepaid card. Only when the ID number read from the prepaid card and the input ID number match the planned correspondence (ID check),
Allows rewriting of prepaid card data (value, ID number). If the two ID numbers do not correspond as planned, it is assumed that the rewriting is illegal, and the cash and prepaid card inserted for rewriting the value are recovered.

[Background of the Invention] The present invention relates to a transaction processing device installed in a bank or other financial industry and used by its customers, and particularly to a transaction processing device having a prepaid card issuing and rewriting function.

As we enter a cashless era, not only cards that guarantee credit, such as credit cards, but also cards with added value (called prepaid cards), such as telephone cards, have become widely distributed. Prepaid ◆cards, such as telephone cards, are truly a replacement for money.

On the other hand, traditional transaction processing devices can handle deposits and withdrawals.

It merely had transaction functions directly related to money, such as transfers, bookkeeping, and balance inquiries. Transaction processing devices are also being forced to change in order to respond to the emergence of prepaid cards as described above.

Therefore, the applicant proposed a transaction processing device having a prepaid card issuing function (see Japanese Patent Laid-Open No. 15696/1983). According to the transaction processing device, the customer can, instead of or in addition to withdrawing money from his savings account,
You can receive a prepaid card with a monetary value recorded on it. An amount corresponding to the value added to the prepaid card is deducted from the customer's account balance. Therefore, the customer can save the trouble of separately going to a prepaid card sales office and purchasing a desired prepaid card after withdrawing money.

Since such prepaid cards have value, it is necessary to clearly identify the owner's name. Therefore, it is conceivable to set an ID number unique to the owner, record it on the prepaid card, and also register it in the file where the account is set.

From this perspective, the applicant has filed a patent application filed on the same day as the present application (
1) ID showing the name of the owner in (same agent)
In addition to proposing a prepaid card with a number,
We have disclosed a transaction processing device that can rewrite ID numbers on prepaid cards. Only when the key-entered ID number and the ID number in the prepaid card data have a predetermined correspondence (for example, match).

The value of ID number 9 is rewritten. If the two ID numbers do not correspond as planned, the prepaid card will be collected.

If someone else's prepaid card is obtained illegally (found, stolen, etc.), the ID number of the prepaid card cannot be known, so generally the two ID numbers do not satisfy the expected correspondence relationship. However, this simply means that the ID number and value cannot be rewritten. At that time, the prepaid card will be collected to prevent further fraud, but if the person who fraudulently obtained the card has used it before then, the value will decrease by that amount. That means you are doing it. This only results in the collection of prepaid membership cards that are worthless or of little value. In this case, only those who obtained it illegally will benefit. It is desirable that some kind of pena or ruti be imposed on those who illegally obtain it.

[Purpose of the invention] The purpose of the invention is to prevent further fraud when a person who fraudulently obtains a prepaid card attempts to rewrite the value, and to prevent fraud from occurring against the fraudster. The purpose is to provide a transaction processing device that can impose penalties.

[Structure and Effects of the Invention] The transaction processing device according to the present invention includes a first input means for specifying a prepaid card rewriting transaction, which reads data on the inserted prepaid card and writes predetermined data. Reading/writing means, prepaid card I
A second input means for inputting the D number, a means for comparing the input ID number of the prepaid card with the ID number read from the prepaid card to check whether they have a planned correspondence relationship. , a third input means for inputting data regarding the new value, a means for receiving the inserted cash, and a means for receiving the inserted cash, and when the inspection results show that the ID numbers of the nine cars do not correspond as planned, The present invention is characterized by comprising means for controlling to take in cash inserted into the slot and to collect the inserted prepaid card.

Preferably, if the result of the above test is that the ID numbers of the two cars do not correspond as planned, the display device is instructed to insert cash in an amount represented by the input new value data into the slot. After cash is inserted in response to this, the cash is taken in and the prepaid card is collected.

Prepaid cards can include not only magnetic cards that magnetically record data such as value and ID numbers, but also IC cards, CPU cards, and cards that can be read and written optically or magneto-optically. It is.

With the above configuration, if the ID number of the prepaid card and the input ID number do not correspond as planned, generally, if a person who illegally obtained the prepaid card attempts to rewrite the value. In this case, the prepaid fist card will be collected and the inserted cash will also be taken, so such a person can be given a kind of penalty.

[Explanation of Examples] FIG. 1 shows the external appearance of the transaction processing device.

In addition to normal transaction processing functions such as deposits (deposits), payments (withdrawals), transfers, and bookkeeping, this transaction processing device also has the function of issuing prepaid cards and rewriting and issuing prepaid card values and ID numbers. Has a function. Transaction processing device 2
On the nearly horizontal operation surface that protrudes in front of the 0, there is a display (hereinafter referred to as CR) that displays and guides the customer's operating procedures and other matters.
(referred to as T)1. A function key 2A and a numeric keypad 2B are arranged on both sides of the screen of the CRTI, and an input slot 03A and a return slot 3B for inserting banknotes in transactions such as deposits and transfers are provided, respectively. The almost vertical operation surface of the transaction processing device 20 has two passbook insertion and return slots6. Bank card (transaction card) insertion and return slot4.
A discharging lower for discharging dispensing banknotes in a dispensing transaction, and a display 8.9 for displaying the transaction being handled and the type of transaction being handled are provided, respectively. Bank card insertion and return slot 4
There is a prepaid card insertion and issuance slot 5 above the
is provided. As the display device 1, other than CRT, for example, a plasma display or the like can be used. The two function keys are used to select the transaction type, select the prepaid card type, enter the amount in units of 10,000, 9 yen, etc., confirm, cancel, etc., depending on each stage of transaction processing. It will be done. Each time a function or key pair function is displayed on the screen of the CRTI, it is displayed adjacent to each function key pair. The withdrawal banknote release lower is also used as an opening for issuing receipts that serve as copies for customers in each transaction. Further, an attendant call button lO and an attendant operation key 11 are provided on the vertical operation surface.

FIG. 2 schematically shows the mechanisms provided inside the bank card insertion and return slot 4 and the prepaid card insertion and issue slot 5. Bank card insertion/return slot 4
A conveyance path 13 is provided inside the bank card, and a card reader 14 is arranged on the conveyance path 13 to read data recorded on the bank card and to write required data if necessary. Bank cards, as is well known.

A card held by a person who is qualified for banking transactions to represent that qualification, and generally a magnetic card is used.

The magnetic recording surface or recording location of this bank card contains a code indicating that it is a bank card, the name of the bank that issued the card, and the name of the branch.

The account number, PIN number, etc. of the cardholder's account are magnetically recorded.

A card transport path 15 is also provided inside the prepaid card insertion and issuance port 5, and is used to read data from the inserted prepaid card and to record required data on the prepaid card to be issued. A card reader/writer 1G is arranged. This conveyance path 15 is provided with storage locations (for example storage boxes) 17 and 18 for blank cards. Furthermore, at the back of the conveyance path 15 is a collection box 19 for prepaid cards. For example, if two types of prepaid cards, a telephone card and an orange card, are issued, a blank telephone card is placed in storage location 17 and a blank orange card is placed in storage location 18 in advance. It can be accommodated. The number of storage locations is determined depending on the type of prepaid card issued. These storage locations 17.1
8 blank cards are fed out by respective feed rollers 17A.
, 18A, they are each independently delivered to the conveyance path 15. These prepaid cards are also magnetic cards, and their magnetic recording surface or recording location contains data representing the type of prepaid card, the name of the bank that issued it, and the value that has been manually entered or rewritten.

The card owner's unique ID number and other data are magnetically recorded by the card reader/writer tS.

FIG. 3 shows the configuration of the electrical control circuit of the transaction processing bag M20. The transaction processing device 20 is a central processing unit (hereinafter referred to as C
The CPU 21 is preferably controlled by a microprocessor 21 (referred to as PU), which is controlled by a program memory loaded from a disk such as a transaction disk, and storing programs for executing transaction processing, selected transactions, and transaction amounts.

Prepaid card type selected, prepaid card value entered, bank card data read, prepaid number card data.

It is equipped with a memory device 22 that includes a volatile memory that temporarily stores input ID numbers and other transaction data, and a nonvolatile memory that stores transaction summary data and the like.

The transaction processing device 20 further includes a keyboard 2B including two function keys and a numeric keypad 2B and its control circuit 2B, a display device 27.9 including a CRTI, a display 8.9 and its control circuit. A bill processing device 28 that includes a bill checker that determines the authenticity and counts bills for deposit or transfer inserted into the input slot 3A, and a bill dispensing machine that counts and discharges bills to be discharged in a withdrawal transaction. ．． Slip issuing machine 2 that prints transaction data on receipts and journals
92 A passbook processing device 23 that prints transaction data on the passbook and reads or writes data written on the magnetic stripe provided on the passbook. Card reader 14 as described above. Also provided is a prepaid card issuing and rewriting issuing device 25, which includes the above-mentioned card reader/writer 1B, a drive device for the feed rollers 17A and 18A, a drive device for the transport path 15, etc., and is connected to the CPU 21 by a bus. There is. The CPU 21 performs communication necessary for transaction processing with a control center (path shown) via the transmission control device 30.

The control center has a customer information file (hereinafter referred to as CIF) that stores the account number, bank card PIN, prepaid card ID number, name, address, balance, and other information for each customer with one account. There is. As a result of communication between the center and the transaction processing device, for each transaction, the balance in the corresponding customer's account is updated according to the transaction type and transaction amount.

4a and 4b show the transaction processing procedure by the CPU 21. FIG.

First, make a deposit in the CRTI next to each function key and the message to select the transaction type.

Withdrawals, transfers, prepaid card issuance, prepaid
Characters representing the type of transaction such as card rewriting issue, balance inquiry, bookkeeping, etc. are displayed (step 51). When the customer presses two function keys representing the desired transaction type (step 52), it is determined which function keys were pressed, ie, the selected transaction type (steps 53-56). In steps 53-56 of Figure 4a, 9
For convenience, only four types of transactions are judged: deposit, payment (withdrawal), prepaid card issuance, and prepaid card renewal issuance, but other transaction types can be accepted in the same way. Needless to say.

If a prepaid card issue transaction is selected,
A message prompting you to select the type of value card to be issued is displayed on the CRTI, for example, ``phone card'' and ``orange card'' are selected in response to the two function keys 2A.
``Card'' is displayed (step 57). The customer inputs the type of prepaid card he wishes to issue using two function keys (step 58). In the following, for the sake of brevity, the types of prepaid fist cards will not be mentioned.

Additionally, you will be prompted to enter the value of the prepaid card to be issued to the CRTI (step 5).
9) When the customer inputs a value using the numeric keypad 2B (step 60), the input value is stored in the memory device 22 (step 61). This value is generally expressed and entered in a corresponding monetary amount.

Subsequently, an instruction to insert the bank card is displayed on the CRTI (step 62), and when the customer inserts the bank card into the card slot 4, this is detected (step 63). This bank card travels along the transport path 13 and its card data is read by the card reader 14 and stored in the memory device 22 (step 64).
.

Based on the card data, it is determined whether the bank card is a legitimate card (step 65). Furthermore, the customer is requested to input the password, and it is checked whether the input password corresponds to the password in the card data. This password check may be performed at the control center.

Selecting the type of prepaid card (steps 57 and 58)
), the order of entering the value (steps 59-61) and inserting and reading the bank card (steps 62-64) may be reversed.

In any case, if the bank card is a legitimate card and passes the PIN check, the card data of the read bank card, the entered value and other transaction data are transmitted to the control center. (Step 66).

The control center searches for CIF.

Checks are performed to see if an account with the corresponding account number exists, and if the input value is less than or equal to the balance of that account. If an account with the account number in the card data exists and the balance of the account exceeds the transmitted value, a prepaid card can be issued. The value (amount) of the prepaid card to be issued is subtracted from the balance of the relevant account, and the balance is updated using the result of this subtraction as the new balance. Then, transaction data such as prepaid card issuance permission, card data, value, ID number, and new balance are transmitted to the corresponding transaction processing device.

If the account number in the card data sent from the transaction processing device does not exist in the CIF, or if the value is greater than the balance, a prepaid card cannot be issued.
Card data, value, etc. are transmitted to the appropriate transaction processing device.

When the transaction processing device receives the message from the center (step 67), it determines whether issuing a prepaid card is permitted (step 68).

If prepaid card issuance is permitted, 1 storage location according to the selected card type! 7 or 18
Blank cards are fed out onto the unloading path 15. Then, data such as the card type, value, ID number, etc. are written onto the drawn card by the card reader/writer 1B. In the case of telephone cards, value data is recorded, for example, in the form of degrees. Recording in the form of monetary amounts is of course also possible and would be more common. The prepaid card with its value recorded is sent to the issuing port 5 (
Step 69).

Thereafter, the bank card is returned to the return slot 4, and a receipt on which necessary transaction data is printed is issued by the issuing lower (step 70). If the bank card is removed, the transaction process ends (step 71).

If the issuance of a prepaid card is not authorized, the bank card is returned (step 72).

A message indicating that permission is not granted is displayed on the CRTI (step 73).

The transaction ends with the withdrawal of the bank card (step 74).
.

Passbooks can also be used for transactions involving prepaid cards. At this time, the transaction data issued by the prepaid card will be printed on the passbook, so there will be no need to issue a receipt.

If reissue of prepaid card is selected (
Step 5B), proceeding to the process of FIG. 4b.

When rewriting a prepaid card, there are cases where only the ID number in the card data is rewritten, where only one value is rewritten, and where both the ID number and value are rewritten.

First, a case where only the ID number is rewritten will be explained.

A message prompting the customer to insert the prepaid card to be rewritten into the CRTI is displayed (step 81), so the customer inserts the prepaid card into the insertion slot 5. The card data is then read by the card base reader/writer 16 and stored in the memory device 22 (step 82). As mentioned above, the card data includes two types of values,
There is an ID number etc. This card is carried to the front of the collection box 19 and held for one day.

An instruction to enter the new value to be added to the CRTI is displayed, so the customer enters the value O (steps 83 and 84). Steps 83 and 84 may be skipped using a suitable pushbutton switch or two function keys. 0 is stored as the value to be added (step 85).

Further, an instruction is given to input an ID number into the CRTI (step 8B). This ID number is that of the inserted prepaid card.

When the ID number is input using the numeric keypad 2B.

It is checked to see if it matches what was read from the inserted prepaid card, and if it matches, the process proceeds to the next step. If they do not match, you are allowed to re-enter the ID number up to two times (step 88), but if they still do not match, it is determined that the prepaid card was obtained fraudulently. In the case of only rewriting the ID number, the prepaid card is returned to the insertion slot 5 and the transaction is completed (
Step 100). That is, if the value to be added is O, steps 96 to 99 are skipped. However, the processes of steps 96 to 99 may be executed as described later.

Since an instruction to input a new ID number to be rewritten into the CRTI is given (step 90), the customer manually inputs the ID number to be rewritten using the numeric keypad 2B, and this is stored in the memory device 22. Furthermore, CR will be prompted to enter the account number for the new ID number above.
As displayed on the TI (step 92), the customer enters the account number, which is likewise stored in the memory device 22 (step 93). The input ID number number 1 is C.
This will be displayed on the RTI, so when the customer sees this and presses the confirmation key among the two function keys (step 94)
), the ID number in the card data stored in the reading memory device 22 in step 82 is rewritten to the ID number entered manually in the memory device 22 (step 95) c
The main time when it is necessary to rewrite the T ID number is when a prepaid card is transferred or is about to be transferred. When receiving a transfer, the ID number of the user's own account is input as the ID number to be rewritten. In this case, the bank card for one's own account is later inserted and its data is read (steps 62-64), and since the account number is included in this card data, step 92.93
The account number input process will no longer be necessary. When a prepaid card is to be transferred, the ID number of the transferee's account is input as the ID number to be rewritten, and the transferee's account number is also input.

After the above processing, the process moves to step B2 and subsequent steps in FIG. 4a. If the bank card and check and PIN checks pass (step 85), bank card data,
The prepaid card φ data (including the input ID number) and the input account number are sent to the control φ center (step 66).

The control or center checks that the account number in the bank card data or the input account number exists, and that the input ID number matches the one registered for the above account number. Ru.

If prepaid card rewriting is permitted by this check (step B8), a prepaid blank card of the same type as the inserted prepaid card is taken out from the storage location 17 or 18.

The card data including the new ID number changed in step 95 (the value remains the same) is transferred to the card reader/
The blank card is written by the writer 16 and sent out to the insertion slot 5, and the prepaid card already inserted is collected into the collection box 19 (
Step 69).

Steps 62 to 88 and 7 if only rewriting the ID number.
The process of 0.71 may be omitted. Namely.

Blank the card data changed in step 95.
You can just write it on the card and release it. at least I
This is because high security can be maintained since the D number check (steps 86 and 87) is performed.

In the case of rewriting only the value, the value to be added is entered in steps 83 and 84 using the numeric keypad 2B. I
After checking the D number, the process of inputting the ID number to be rewritten and the process of inputting the account number (steps 90 to 94) will be skipped. The input value may be confirmed. In step 95, the inputted value to be added is added to the value in the prepaid contest card Φ data, and this addition result is stored in the memory device 22 as a new value. There is no change in ID number.

As in the case of prepaid card issuance, the control center checks whether the account balance of the account number in the bank card data is greater than the key input value to be added, and from the balance. The balance is updated to subtract the value that should be added.

If reissue of the prepaid card is permitted (step 68), the above addition result is recorded as a new value on the blank card. ID number, other cards/
In step 83.84, where no data is changed, a value corresponding to the above addition result may be input. In this case, the value recorded on the prepaid card is subtracted from the input value, and the result is deducted from the balance of the corresponding account. The entered value would also be written to a blank card and the card would be ejected.

Even if you enter the ID number more than once, the prepaid card ID will not be accepted.
If the number does not match the D number 0 (step 88), it is determined that the prepaid ♦ card was obtained illegally.

In this case, an instruction to insert cash in an amount corresponding to the value input in step 84 is displayed on the CRTI (step 96). Preferably, this amount is displayed on the CRTl. Further, it is preferable to open the shutter of the bill slot 3A.

When cash is inserted into the input slot 3A, it is discriminated and counted by the bill chatter of the banknote processing device 28, and the amount is displayed on the CRT 1.
is displayed, and an instruction is given to designate one of the function keys 2A as a confirmation key and press it (steps 97 and 98). When the confirmation key is pressed (step 99), the inserted banknotes held in the temporary holding mechanism of the device 28 are collected in the collection box, and the inserted prepaid card is collected in the collection box 19 (
Step 100). In this way, updating of the value of a fraudulently obtained prepaid card is prevented.

Cash will be collected as a penalty for that person to prevent fraud.

The rewriting process for both the ID number and value is performed using the above-mentioned ID
This is a combination of number-only rewriting processing and value-only rewriting processing. In this case as well, if YES in step 88, the processes in steps 96 to 100 described above are performed.

In the above embodiment, the prepaid card is rewritten by collecting the inserted prepaid card, recording new data on a blank card, and issuing it. It goes without saying that it is also possible to directly rewrite .

In the above embodiment, when issuing a prepaid card or rewriting the value, the control center deducts the amount equivalent to the value from the customer's account to immediately make the payment, but it is possible to delay this payment for a certain period of time. good. Further, even when there is no fraud, a banknote corresponding to the value may be inserted into the nine banknote slot 3A, and the payment for the prepaid card may be made with this banknote. If there is change, it may be deposited into the customer's account. When making payments from a customer's account, if there is an insufficient balance, the customer may be required to pay the amount in cash.

In the above embodiment, the transaction processing device is connected to the control center online, but it goes without saying that the present invention is also applicable to transaction processing devices that are offline.

[Brief explanation of the drawing]

Fig. 1 is a perspective view showing the external appearance of the transaction processing device, Fig. 2 is a configuration diagram showing the mechanism for card reading, card issuing, and rewriting, and Fig. 3 is a block diagram showing the electrical configuration of the transaction processing device. Figures 4a and 4b are flows and charts showing transaction processing procedures. 1...CRT, 2A...Function book key. 2B...Numeric keypad, 3A...Banknote slot. 4... Bank card insertion and return slot. 5...1 prepaid card insertion slot. 16...Card reader/writer. 17, 18...Blank card storage area. 19...Prepaid card collection box. 20... Transaction processing device, 21... CPU. 25...Card issuing device, 28...Banknote processing device. Above is Figure 1 III 4 m

Claims (5)

[Claims] (1) A first input means for specifying a prepaid card rewriting transaction; a reading/writing means for reading the data of the inserted prepaid card and writing predetermined data; and an ID number of the prepaid card. a second input means for inputting a prepaid card; a means for checking whether the input prepaid card ID number and the ID number read from the prepaid card are in a planned correspondence relationship; a third input means for inputting data regarding a value; a means for receiving the inserted cash; A transaction processing device comprising: control means for accepting cash inserted into the machine and recovering a prepaid card inserted therein. (2) If the result of the above inspection is that the two ID numbers do not correspond as planned, an instruction means for instructing to insert cash in an amount represented by the input new value data into the input slot. A transaction processing device according to claim (1). (3) A means for reading the transaction card data and determining whether or not the transaction is eligible, and if the determining means determines that the transaction is eligible, inserting the input data regarding the new value as the value of the prepaid card. a control means for controlling to write to said prepaid card, and when rewriting the value of said prepaid card, an amount representing the value to be added to said prepaid card from the balance of the account in the transaction card data; The transaction processing device according to claim 1, comprising: a transfer means for subtracting the amount. (4) The above data regarding the new value is data representing the value to be added to the value held by the prepaid card, and this value to be added is subtracted from the balance of the applicable account by the above transfer method. A transaction processing device according to claim (3). (5) The data regarding the new value described above is data representing the value to be written on the prepaid card;
The value of the prepaid card is subtracted from the value to be written, and the result is subtracted from the balance of the corresponding account by the transfer means as an amount representing the value to be added. The transaction processing device described in item 3).