KR20090010877A - Transaction server, transaction terminal, and transaction method - Google Patents

Abstract

A transaction server, a transaction terminal, and a transaction method are provided to set different ceiling limitation to each transaction medium and reduce the amount of money which the other person picking up the transaction media can draw out when the transaction media are lost or stolen, thereby preventing a large amount of money from being drawn out by the other person. If the transceiver of a transaction server receives media information and transaction amount, a ceiling limitation acquisition unit acquires set ceiling limitation having a corresponding account number and classification(transaction media) by using class information and an account number included in the media information as a key with reference to the ceiling limitation information of a memory unit(S205,S206). A determination unit determines whether the transaction money exceeds the acquired set ceiling limitation(S207). In case it is determined that the transaction money exceeds the set ceiling limitation, a processing unit transmits ceiling limitation excess notification to a transceiver and a transaction terminal (S208). If the transceiver of the transaction terminal is the ceiling limitation excess notification, a processing unit indicates the object of the ceiling limitation excess on a display input unit(S209). The transaction terminal terminates processing.

Description

Trading server, trading terminal and trading method {TRANSACTION SERVER, TRANSACTION TERMINAL, AND TRANSACTION METHOD}

The present invention relates to a description of a transaction server, a transaction terminal, and a transaction method.

In financial transactions, it is common to set one payment limit (hereinafter referred to as a limit) for one account.

Even when the limit amount was set or changed using an ATM (Automated Teller Machine), only a single limit amount could be set regardless of the transaction medium used. Herein, a transaction medium is a bank card (hereinafter referred to as a card). And a medium required when conducting financial transactions such as a bankbook or a seal.

As a technique for setting a plurality of limit amounts, a password management system for setting a plurality of passwords and setting a limit amount corresponding to the password is disclosed (see Patent Document 1, for example).

[Patent Document 1] Japanese Patent Laid-Open No. 2006-99712

However, when a transaction with a plurality of trading media is possible for the same account, different trading media may be held by other persons. For example, a parent holds an account and a child holds a card.

In such a case, it may be necessary to set another limit liquid by the medium. Using the above example, it is the case that the limit of the card held by the child is set to an amount lower than the limit of the bankbook held by the parent.

Although it is also possible to set different limits respectively using the technique described in Patent Literature 1, in this case, a plurality of passwords must be stored. In addition, as the number of passwords to remember increases, the probability of forgetting them increases.

This invention makes it a subject to solve such a problem.

In order to solve the above-mentioned problems, one means of the present invention has a storage unit that stores a limit corresponding to a trading medium used for financial transactions for each account, and class information, account information and financial information of the trading medium from the trading terminal. When transaction information, which is information about a transaction, is transmitted, a limit corresponding to the media information is obtained from the storage unit on the basis of the category information and the account information, and the permission and disallowance of the financial transaction on the transaction information is determined based on the limit amount. Characterized in that.

Further, the other means of the present invention has a storage unit that stores a limit corresponding to the combination of trading media used for financial transactions for each account, and the combination information, account information, and financial transaction information from the trading terminal from the trading terminal. When the transaction information is transmitted, based on the combination information and account information of the transaction medium, the limit value corresponding to the combination information of the corresponding transaction medium is obtained from the storage unit, and the permission and disallowance of the transaction regarding the transaction information is based on the limit amount. Characterized in determining.

According to the present invention, it is possible to provide a transaction server, a transaction terminal, and a transaction method capable of setting a limit amount for each transaction medium.

EMBODIMENT OF THE INVENTION Below, the Example in this invention is described with reference to drawings.

(First Embodiment: System Configuration)

1 is a block diagram showing an example of the configuration of a trading system according to the first embodiment.

The transaction system 4 is comprised of the transaction server 1 and the transaction terminal 2 connected with each other by the network 3, such as a dedicated line and a wide area network (BAN).

The transaction terminal 2 exchanges information with the transaction server 1 by ATM, a cash dispenser (CAD), etc., and withdraws cash, deposits, deposits, balances, accounts, accounts, etc. It has the function to automatically handle the window business (hereinafter referred to as transaction).

The transaction terminal 2 includes a card handling unit 22, a bankbook handling unit 23, a media information acquisition unit 24, a display input unit 25, a cash withdrawal unit 26, a processing unit 21, and a transmission / reception unit ( 27).

The card handling unit 22 has a function of inserting or ejecting a card such as a bank card. The bankbook handling unit 23 has a function of inserting or discharging a bankbook.

The medium information acquisition part 24 acquires the medium information which is the type information of the card inserted in the card handling part 22, the bankbook inserted in the bankbook handling part 23, etc., and the information regarding a transaction medium, such as an account number. Has the function to

The display input unit 25 is a touch panel having a function of an input unit and a display unit, and has a function of inputting a limit amount or the like into the processing unit 21 for each medium.

The processing unit 21 has a function of processing information.

The transmission / reception unit 27 has a function of transmitting the media limit, which is the information of the limit for each medium, to the transaction server 1 via the network 3, or receiving information transmitted from the transaction server 1. .

The transaction server 1 is, for example, a host computer installed in a bank or the like, and has a function of managing a transaction in the transaction terminal 2.

The transaction server 1 is composed of a processing unit 11, a storage unit 12, and a transmission / reception unit 13.

The processing unit 11 includes a limit acquisition unit 111 for acquiring a media limit sent from the transaction terminal 2, a limit storage unit 112 for storing the acquired limit in the storage unit 12, and a transaction terminal 2. When the transaction request is sent from the data, the judgment amount 113 includes a judgment unit 113 that compares the transmitted transaction amount with the limit amount stored in the storage unit 12 and determines whether to permit the transaction.

In the storage unit 12, the limit information 121, which is information about the limit amount for each trading medium, is stored. The limit information 121 will be described later with reference to FIG. 2.

The transmission / reception unit 13 has a function of receiving a media limit amount or the like from the transaction terminal 2 and transmitting information to the transaction terminal 2.

The processing unit 21, the medium information acquisition unit 24, the processing unit 11 in the transaction server 1, and each of the units 111 to 113 in the transaction terminal 2 include a ROM (Read Only Memory). Or a program stored in a hard disk (HDD) is developed in a random access memory (RMA) and executed by a central processing unit (CPU).

(Limit Information)

2 is a diagram showing an example of limit information according to the first embodiment.

As for the limit information 121, for example, as shown in FIG. 2, the account number 122, the type of transaction medium (the transaction medium 123), and the set limit amount 124 which is the limit set for each transaction medium are accounts. Each number 122 is registered.

In the example shown in FIG. 2, in the account number 122 "0001", the setting limit 124 for the card is "limit a", and the setting limit 124 for the bankbook is "limit b". have.

(Limit setting processing)

Next, the limit liquid setting process will be described with reference to FIGS. 3 and 4, with reference to FIGS. 1 and 2.

3 and 4 are flowcharts showing the flow of the limit liquid setting process according to the first embodiment.

First, after setting the limit amount of a card, the process of setting the limit amount of a bank account is demonstrated along FIG.

First, the user selects the card limit amount change in accordance with the limit amount change guide display displayed on the display input unit 25 (S101).

And the user inserts a card into the card handling part 22 (S102).

Next, the media information acquisition unit 24 acquires the card information of the card inserted into the card handling unit 22 (S103). Here, the card information is information including type information of a trading medium (here, type is a card), an account number, and the like.

Next, when the user inputs the card limit amount which is the limit amount for the card through the display input part 25, and the processor 21 acquires the input card limit amount (S104), the card acquired from the media information acquisition part 24. The information and the acquired card limit amount are transmitted as a pair of information to the transaction server 1 via the transceiver 27 and the network 3 (S105).

When the transmitting / receiving unit 13 of the transaction server 1 receives the card information and the card limit amount (S106), the processing unit 11 includes the account number included in the received card information and the type information of the transaction medium (here The limit information 121 of the memory | storage part 12 is searched on the basis of card | burr). If the transaction medium is a card and the limit information 121 corresponding to the transmitted account number is in the storage unit 12, the limit storage unit 112 records the transaction medium corresponding to the limit information 121. The received card limit is stored in step S107. In addition, when the limit information 121 corresponding to the corresponding account number is not present in the storage unit 12, the limit storage unit 112 newly creates the limit information 121 corresponding to the corresponding account number and transaction medium. The card limit is then stored in the corresponding record.

The processing unit 11 then transmits the preservation end notification to the transaction terminal 2 via the transmission and reception unit 13 and the network 3 (S108).

When the transmission / reception unit 27 of the transaction terminal 2 receives the preservation end notification (S109), the processing unit 21 displays a message on the display input unit 25 as to whether or not the bankbook limit is the same amount. By inputting information on whether the bankbook limit is the same amount as the card limit, the processor 21 determines whether the bankbook limit is the same amount (S110).

When the intention that the bank account limit is also the same amount is selected through the display input unit 25 (S110 → Ｙ), the processing unit 21 performs the same amount setting process (S111), and then the transaction terminal 2 performs the processing. Quit. Since the process of step S111 is a process generally performed, description is abbreviate | omitted.

When it is selected through the display input unit 25 that the bankbook limit is not the same amount of money (S110? No), the bankbook is inserted into the bankbook handling unit 23 by the user (S112).

Next, the media information acquisition part 24 acquires the bankbook information of the bankbook inserted in the bankbook handling part 23 (S113). Here, the account information is information including type information of the trading medium (here, type is account book), account number, and the like.

Next, when the user inputs a bankbook limit, which is a limit for the bankbook, through the display input unit 25, and the processor 21 acquires the input bankbook limit (S114), the bankbook obtained from the media information acquisition unit 24 is obtained. The information and the obtained bankbook limit are transmitted to the transaction server 1 via the transceiver 27 and the network 3 as a pair of information (medium limit) (S115).

When the transceiving unit 13 of the transaction server 1 receives the bankbook information and the bankbook limit (S116), the processing unit 11 limits the limit of the storage unit 12 based on the account number included in the received bankbook information. The information 121 is retrieved. If the limit information 121 corresponding to the account number is in the storage unit 12, the bankbook limit obtained in the record of the transaction medium (here, the bank account) corresponding to the limit information 121 is stored ( S117). If the limit information 121 corresponding to the corresponding account number is not present in the storage unit 12, after the new limit information 121 is newly created, the bank limit is stored in the corresponding record.

Then, the processing unit 11 transmits the storage end notification to the transaction terminal 2 via the transmission and reception unit 13 and the network 3 (S118).

When the transmission / reception unit 27 of the transaction terminal 2 receives the preservation end notification (S119), the transaction terminal 2 ends the processing.

After setting the limit amount of the bankbook of Fig. 4, the processes of setting the limit amount of the cards (S101a to S119a) are the processes in which the card and the bankbook are replaced in the processes (S101 to S119) of Fig. 3, and thus description thereof is omitted. .

(Transaction processing)

Next, referring to FIG. 1 and FIG. 2, the transaction processing according to the first embodiment will be described according to FIG. 5.

5 is a flowchart showing the flow of transaction processing according to the first embodiment.

First, a transaction medium such as a card or a bankbook is inserted into the card handling section 22 or the bankbook handling section 23 by the user (S201).

Then, the media information acquisition unit 24 acquires media information (including type information and account number) such as card information of the inserted card and bankbook information of the bankbook (S202), and transmits it to the processing unit 21. do. In addition, at this stage, a password is input through the display input unit 25, and this password is transmitted by the processing unit 21 to the transaction server 1 via the transmission / reception unit 27 and the network 3, thereby trading. After the authentication process is performed in the server 1, the authentication result may be transmitted to the transaction terminal 2. Here, if it is not authenticated, the transaction terminal 2 will complete | finish a process.

Moreover, you may perform the following processes. That is, the processor 21 transmits the account number included in the medium information to the transaction server 1 via the transceiver 27 and the network 3. The account number received by the processing unit 11 of the transaction server 1 is referred to as a key, and with reference to the limit information 121 of the storage unit 12, all the corresponding set limit amounts are acquired, and then the transmission / reception unit 13 And the transaction terminal 2 via the network 3. Next, the setting limit amount received by the processing unit 21 of the transaction terminal 2 is displayed on the display input unit 25.

Next, when a transaction amount (transaction amount information) such as a withdrawal amount is input through the display input unit 25, the processing unit 21 obtains this transaction amount (S203).

Then, the processing unit 21 transmits the acquired media information and the transaction amount as a pair of information to the transaction server 1 via the transmission and reception unit 27 and the network 3 (S204).

When the transmitting / receiving unit 13 of the transaction server 1 receives the medium information and the transaction amount (S205), the limit acquisition unit 111 uses the type information and the account number included in the medium information as keys to store the storage unit ( With reference to the limit amount information 121 of 12), the setting limit amount 124 which has the corresponding account number 122 and the type (transaction medium 123) is acquired (S206).

And the determination part 113 determines whether the transaction amount exceeds the acquired limit amount (S207). At this time, the processing part 11 may memorize | store the cumulative transaction amount of a predetermined period (for example, 1 day) for the corresponding user, and may compare this cumulative transaction amount with a limit amount.

As a result of step S207, when it is determined that the limit is exceeded (from S207 to eHes), the processing unit 11 transmits a notification of exceeding the limit to the transaction terminal 2 via the transceiver 13 and the network 3 (S208). ). When the transmission / reception unit 27 of the trading terminal 2 receives the notification of exceeding the limit (S209), the processing unit 21 displays on the display input unit 25 that the limit is exceeded, and the trading terminal 2 performs the processing. Quit.

When it is determined that the limit has not been exceeded as a result of step S207 (S207 to No), the processing unit 11 of the transaction server 1 sends a transaction permission response via the transmission and reception unit 13 and the network 3 to the transaction terminal. It transmits to (2) (S210).

When the transceiver 27 of the transaction terminal 2 receives the transaction permission response (S211), the processor 21 starts the transaction process (S212).

In the present embodiment, the trading medium is a card and a bankbook, but the present invention is not limited thereto. A seal handling section for reading the information of the seal is placed on the transaction terminal 2, and a limit corresponding to the seal is set. Also good. The technique of reading the information of the seal can be easily realized by embedding the technique of JP 2001-34760 A into the transaction terminal 2, for example.

(effect)

According to the first embodiment, it is possible to set a different limit amount for each transaction medium. For example, it is possible to set the limit amount of the card held by the child to an amount lower than the limit amount of the bankbook held by the parent.

In addition, for example, by setting a lower limit on a card, which is easy to lose, the amount of money that can be withdrawn by others can be reduced, and the damage can be prevented in a small amount.

In addition, for example, by setting a lower limit on a card that is easy to be stolen, the amount that can be withdrawn by the stolen person can be reduced, and the damage can be prevented in a small amount.

Second Embodiment System Configuration

6 to 9, a second embodiment of the present invention will be described. In addition, in description of 2nd Example, the same code | symbol is attached | subjected about the element similar to 1st Embodiment, and description is abbreviate | omitted.

6 is a diagram showing an example of the configuration of a trading system according to the second embodiment.

In the transaction system 4a of FIG. 6, the difference from the transaction system 4 of FIG. 1 is that a seal, etc., is stamped on the transaction terminal 2a to acquire information on the shape of the seal. It is a point which has a seal handling part 28 provided with a ticket book | stand etc., and the media information acquisition part 24a which has a function which acquires the information regarding a seal from this ticket in addition to the function demonstrated in FIG.

The functions of the seal handling unit 28 and the medium information acquisition unit 24a can be easily realized by combining the techniques described in, for example, Japanese Patent Laid-Open No. 2001-34760.

In addition, in the storage unit 12a of the transaction server 1a, the limit amount information 121a in which the limit amount is set for each combination of transaction media is stored.

(Limit Information)

Fig. 7 is a diagram showing an example of limit information according to the second embodiment.

As shown in FIG. 7, in the limit information 121a, the account number 122a, the combination 123a of the transaction medium, and the setting limit 124a corresponding to this combination are stored for each account number.

In the example of FIG. 7, in the account number "0001", when a card, an account book, and a seal are used at the time of transaction processing, such as withdrawal of cash, the transaction server 1a will perform a transaction to "the limit a". Permit. Similarly, when a card and a bankbook are used, the transaction server 1a permits transactions up to the "limit b". Hereinafter, since a card, a seal, a bankbook, a seal, etc. are shown in FIG. 7, it abbreviate | omits description.

Such a limit liquid can be set freely within the limits shown in Table 1, for example.

TABLE 1

 Trading media  Settable Limit  Card  Bank book  Seal ○ ○ ○ Limits up to limit A or limit B can be set (limit A / limit B can be selected) × ○ ○ Limit setting to limit B is possible ○ × ○ Limit setting to limit B is possible ○ ○ × Limit setting to limit B is possible ○ × × Limit amount setting up to limit C is possible × ○ × Limit amount setting up to limit C is possible × × ○ Limit amount setting up to limit C is possible × × × Limit Setting Transaction Unavailable

In Table 1, the relationship between the limits is the limit A> limit B> limit C. That is, when withdrawing or depositing a large amount of money, a large amount of trading media must be used. In this way, even if the stolen card is used, for example, the amount of money exceeding a small set limit cannot be withdrawn or deposited, so that damage can be reduced.

(Limit setting processing)

Next, referring to FIG. 6 and FIG. 7, the limit setting process according to the second embodiment will be described according to FIG. 8.

8 is a flowchart showing the flow of the limit liquid setting process according to the second embodiment.

First, each transaction medium such as a card, a bankbook or a seal is inserted into the card handling unit 22, the bankbook handling unit 23, or the seal handling unit 28 (S301).

Next, the medium information acquisition part 24a acquires each medium information about the inserted transaction medium, such as card information, bankbook information, and seal information (S302). Here, the seal information is the shape data of the seal.

Then, through the display input unit 25, the process of setting the limit amount according to the combination of each trading medium is performed (S303).

Next, when the processing unit 21 acquires a limit amount for each set combination (S304), the transceiver unit receives the limit amount corresponding to the combination information which is the information of each trade medium combination and the medium limit amount which is a pair of information of the corresponding combination information. 27) and to the transaction server 1a via the network 3 (S305). In addition, the combination information contains the account number acquired from the media information. When a seal is put on the stand and the seal handling unit 28 obtains the seal information, the account number is obtained by the user inputting through the display input unit 25.

When the transmitting / receiving unit 27 of the transaction server 1a receives the media limit (combination information and a pair of information of the limit) (S306), the limit preservation unit 112 receives the combination information received and the combination information. Using the account number included as a key, the limit information of the storage unit 12a is retrieved, and each limit amount received in the corresponding limit information is stored (S307). In addition, when there is no limit information corresponding to the corresponding account number and combination information, the processing unit 11 generates new limit information, and then stores the received limit in the generated limit information.

The processing unit 11 then transmits the storage completion notice to the transaction terminal 2a via the transmission and reception unit 13 and the network 3 (S308).

When the transmission / reception unit 13 of the transaction terminal 2a receives the storage completion notification (S309), the processing unit 11 displays the indication of the completion of storage on the display input unit 25 and ends the processing.

(Transaction processing)

Next, referring to FIG. 6 and FIG. 7, the transaction processing according to the second embodiment will be described according to FIG. 9.

9 is a flowchart showing the flow of transaction processing according to the second embodiment.

First, as a transaction preparation process, the process described below is performed.

First, a user presses a withdrawal button after confirming the limit amount displayed on the display input part 25. FIG.

The processing unit 21 then displays the medium selection button on the display input unit 25. The medium selection button may be in the form of allowing a user to select a combination of trading media, such as "Card" / "Card Bankbook" / "Bookbook" ..., or "" Card "/" Bookbook "/" Seal " "" May be displayed and the processing part 21 may determine the combination of a transaction medium by the combination of the button which the user pressed. It is also possible to omit the transaction preparation process. If a group trading medium such as "card only" or "bank book only" is selected here, the same transaction processing as the current transaction is performed according to the limit for each transaction medium described above. . In addition, it is assumed here that trading of "seal only" is possible. This broadens the choice of available trading media.

When the transaction preparation process is performed, the card selected by the user in the transaction preparation process, or a transaction medium such as an account book or a seal, is the card handling unit 22, the bankbook handling unit 23, or the seal handling unit ( 28) (S401). When the transaction preparation process is not performed, after the user inserts the necessary transaction medium, for example, by pressing the "insertion completed button" displayed on the display input unit 25, the medium information acquisition unit 24a causes the transaction medium to be used. The end of may be detected.

Then, the media information acquisition unit 24a acquires media information (including account number) such as card information of the inserted card, bankbook information of the bankbook, and seal information of the seal (S402), and the processing unit 21 ) Acquires the combination information which is information on the combination of the inserted transaction medium (S403). The seal information is information regarding the shape of the seal. In addition, when the seal handling unit 28 acquires the seal information due to the publication being placed on the stand, the account number is obtained by the user inputting through the display input unit 25.

In addition, at this stage, a password is input through the display input unit 25, and this password and the combination information are transmitted by the processing unit 21, via the transmission and reception unit 27 and the network 3, to the transaction server 1a. The authentication result may be transmitted to the transaction terminal 2a after the authentication process is performed in the transaction server 1a. The authentication process includes authentication related to the combination in addition to authentication of the password. For example, when no transaction medium is inserted and only a password is entered, as described below in Table 1, even if the password is correct, when no transaction medium is inserted, non-transactional authentication is performed. When the seal information is input, the processing unit 21 sends the seal information to the transaction server 1a via the transmission / reception unit 27 and the network 3, and the transaction server 1a authenticates the seal information. You may perform a process. Here, if it is not authenticated, the transaction terminal 2a will complete | finish a process. Authentication processing of the seal information can be realized by combining the technique described in Japanese Patent Laid-Open No. 2001-266156 with the transaction system 4a.

At this time, the processor 21 transmits the account number included in the medium information to the transaction server 1a via the transceiver 27 and the network 3, and the processor 11 of the transaction server 1a. The processing unit of the transaction terminal 2a is obtained by acquiring all of the setting limit 124a of the corresponding account number 122a from the limit information 121a of the storage unit 12a and transmitting it to the transaction terminal 2a. 21 may display the withdrawable limit amount (set limit amount) as shown in FIG. 10 on the display input unit 25.

Fig. 10 is a display screen example of a withdrawable ceiling amount according to the second embodiment.

As shown in FIG. 10, the processing part 21 may display the withdrawal limit by each combination on the display input part 25, and may display the limit which can be handled with a user.

In addition, unlike the setting limit shown in FIG. 7, the setting limit shown in FIG. 10 shows the example which set the setting limitable limit itself shown in Table 1 as a limit for every combination.

Moreover, you may perform the following processes. For example, the transaction server 1 memorize | stores the amount of money which the said user withdrew or deposited on the said day in the memory | storage part 12a. Then, the processing unit 11 calculates, for each combination, the remaining tradeable amount of money withdrawn, deposited or subtracted from the set limit amount, and transmits the remaining handleable amount to the transaction terminal 2a. Next, the processing unit 21 of the transaction terminal 2a causes the display input unit 25 to display the remaining handleable amount of money for each combination.

In this step, by displaying the withdrawable limit or the remaining handleable amount on the display input unit 25, the user can input the transaction amount after confirming the withdrawable amount or the remaining handleable amount in advance.

Returning to the description of FIG. 9.

When a transaction amount such as a withdrawal amount is input through the display input unit 25, the processing unit 21 obtains this transaction amount (S404).

Then, the processor 21 transmits the acquired media information, the combination information, and the transaction amount to the transaction server 1a through the transceiver 27 and the network 3 (S405).

When the transmitting / receiving unit 13 of the transaction server 1a receives the medium information, the combination information, and the transaction amount (S406), the limit acquisition is performed using the account number or the combination information included in the medium information as a key, and the storage unit 12a. Reference is made to the limit information 121a, and the set limit amount 124a having the corresponding account number 122a and the combination 123a is obtained (S407).

Then, the determination unit 113 determines whether or not the transaction amount exceeds the set limit amount (S408). At this time, the processing part 11 may memorize | store the cumulative transaction amount of the predetermined period (for example, 1 day) of the corresponding user, and may compare this cumulative transaction amount with the set limit amount.

As a result of step S408, when it is determined that the set limit amount is exceeded (S408?), The processing unit 11 transmits a notification of exceeding the limit amount to the transaction terminal 2a via the transceiver 13 and the network 3. (S409) When the transceiving unit 27 of the transaction terminal 2a receives the notification of exceeding the limit (S410), the processing unit 21 causes the display input unit 25 to indicate that the limit is exceeded, and the transaction terminal 2a. ) Ends the processing.

As a result of step S407, when it is determined that the limit is not exceeded (S408? No), the processing unit 11 of the transaction server 1a sends the transaction permission response via the transmission and reception unit 13 and the network 3 to the transaction terminal 2a. (S411).

When the transceiver 27 of the transaction terminal 2a receives the transaction permission response (S412), the processor 21 starts the transaction process (S413).

In the second embodiment, when withdrawing or depositing large amounts of money, many trading media had to be used. In this way, even if the stolen card is used, for example, the amount of money that is less than or equal to a small set limit cannot be withdrawn or deposited, so that damage can be reduced.

1 is a block diagram showing an example of the configuration of a trading system according to the first embodiment.

2 is a diagram showing an example of limit information according to the first embodiment.

Fig. 3 is a flowchart showing the flow of the limit liquid setting process according to the first embodiment (card → bankbook).

Fig. 4 is a flowchart showing the flow of the limit setting process according to the first embodiment (bankbook → card).

5 is a flowchart showing the flow of transaction processing according to the first embodiment.

6 is a diagram showing an example of the configuration of a trading system according to the second embodiment.

Fig. 7 is a diagram showing an example of limit information according to the second embodiment.

8 is a flowchart showing the flow of the limit liquid setting process according to the second embodiment.

9 is a flowchart showing the flow of transaction processing according to the second embodiment.

10 is a display screen example of a withdrawal limit according to the second embodiment.

[Description of the code]

1,1a: trading server 2,2a: trading terminal

3: network 4,4a: trading system

11; Processing unit (transaction server) 12,12a: storage unit

13: transceiver (transaction server) 21: processor (transaction terminal)

22: card handling unit 23: bankbook handling unit

24, 24a: Media information acquisition section 25: Display input section

26: cash and withdrawal unit 27: transceiver unit (transaction terminal)

28: seal handling unit 111: limit amount acquisition unit

112: limit storage unit 113: determination unit

121,121a: Limit information 122,122a: Account number

123: trading medium 123a: combination

124,124a: set limit

Claims (15)

A transaction server capable of communicating with a transaction terminal performing a financial transaction and managing information on the financial transaction, A storage unit that stores limit information corresponding to the type of transaction medium used for financial transactions for each account; When receiving transaction type information, account information, and transaction amount information, which is information on the amount of the financial transaction, from the transaction terminal, On the basis of the type information and the account information, corresponding limit information is obtained from the storage; And a processor configured to determine whether to permit or disallow the financial transaction based on the transaction amount information based on the limit information. The method of claim 1, And the processing unit stores the received limit information, the medium information, and the account information in a storage unit. The method according to claim 1 or 2, The type of the transaction medium is a transaction server, characterized in that the type of the transaction medium of any one of the card, bankbook and seal. A transaction server capable of communicating with a transaction terminal performing a financial transaction and managing information on the financial transaction, A storage unit that stores limit information corresponding to a combination of trading media used for financial transactions for each account; When receiving the transaction amount information, which is information about the combination information of the transaction medium, the account information and the amount of the financial transaction, from the transaction terminal, On the basis of the combination information of the transaction medium and the account information, limit information corresponding to the combination information of the corresponding transaction medium is obtained from the storage unit; And a processor configured to determine whether to permit or disallow a transaction related to the transaction amount information based on the limit information. The method of claim 4, wherein And the upper limit of the settable limit information is changed according to the number of trading media to be combined. The method of claim 5, A large amount of limit information is set when the number of trading media to be combined is large, and a small amount of limit information is set when the number of trading media to be combined is small. The method of claim 4, wherein And the processing unit stores the received limit information, the medium information, and the account information in a storage unit. The method according to any one of claims 4 to 7, The combination of the transaction medium is a transaction server, characterized in that at least two combinations of cards, bankbook and seal. As a transaction terminal for managing information about a financial transaction and a communication terminal, The limit terminal information is set for each trading medium, and the set limit information is transmitted to the transaction server. The method of claim 9, The trading medium is any one of a card, a bankbook and a seal. A transaction terminal that can communicate with a transaction server that manages information about a financial transaction, Set limit information for each combination of trading media used for financial transactions, And the combination information of the transaction medium and the limit information corresponding to the combination information are transmitted to the transaction server. The method of claim 11, The transaction terminal, Acquire account information from the trading medium, Send the account information and the combination information to the transaction server, And a set limit information, which is payment limit information for each combination transmitted from the transaction server, is displayed on the display unit. The method of claim 11 or 12, And the transaction medium is at least two of a card, a bankbook and a seal. A transaction method in a transaction server that can communicate with a transaction terminal that conducts a financial transaction and manages information about the financial transaction, The transaction server, It has a storage unit that stores the limit information corresponding to the type of trading medium used for financial transactions for each account, and a processing unit that processes the information, The processing unit, When the transaction terminal receives the transaction information, the type information of the transaction medium, account information, and information on the amount of the financial transaction, On the basis of the type information and the account information, corresponding limit information is obtained from the storage; And permitting and disallowing the financial transaction based on the transaction amount information based on the limit information. A transaction method of a transaction server that can communicate with a transaction terminal that conducts a financial transaction and manages information about the financial transaction, The transaction server, It has a storage unit that stores the limit information corresponding to the combination of trading media used for financial transactions for each account, and a processing unit for processing the information, The processing unit, When receiving the transaction amount information, which is information about the combination information of the transaction medium, the account information and the amount of the financial transaction, from the transaction terminal, On the basis of the combination information of the transaction medium and the account information, limit information corresponding to the combination information of the corresponding transaction medium is obtained from the storage unit; And based on the limit information, permitting and disallowing a transaction regarding the transaction amount information.

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