JP2002063630A - Card system for account - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card system for account for easily spreading the range of users except for a card owner. SOLUTION: In this card payment system, when a card recorded with a bank account number is inserted to terminal equipment, a specified job is selected out of a menu for job selection displayed on the screen of the terminal equipment and the other number predetermined corresponding to the bank account number and the job is inputted, the job is carried out. When the job is drawing and a desired amount is further inputted, the terminal equipment performs payment within a range not to exceed the account remainder of the bank account and when a different number is inputted in place of the predetermined number, the payment is refused.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account card system in which a card is inserted into a terminal in a bank or the like to perform a predetermined business, and the range of users can be expanded by limiting data to be input. It relates to an account card system.

[0002]

2. Description of the Related Art A typical application of an account card system is a cash dispenser. this is,
In the case of a bank terminal, a user who has an account at the bank inserts a predetermined card into the terminal, and then inputs a predetermined PIN and a desired amount to enter the range of the deposit balance or a predetermined amount. Cash will be paid within the range.

[0003] At present, payment at home is often made by cash transfer, except for a part, and cash is often required in addition to payment.
For this reason, there are many cases where banks are used to withdraw cash.

[0004] Here, when care is required by another person, such as an elderly person or a sick person, it is difficult for the holder of the account to go to the bank and withdraw cash, and it is necessary to ask another person. To do so, the client asks the agent for a set of a passbook and a seal, or gives a card to inform the user of the personal identification number and withdraws the desired amount.

[0005]

Regardless of the former or the latter, the requester will disclose to the agent information about the account including the balance of the deposit that the client does not want others to know. This can be a psychological barrier for the person requesting the money, such as depositing cash in another way instead of depositing with a bank, or asking a specific person to act on behalf.
This leads to inconveniences, such as raising concerns about theft and concentrating on behalf of specific persons.

[0006] The present invention has been made in view of the above points, and has as its object to provide an account card system that facilitates expanding the range of users other than the card owner.

[0007]

In order to achieve the above object, the present invention provides the following means (a) to (f): (a) an input means for forming an input signal in accordance with an operation;
Control means for forming a necessary control signal based on a signal from the input means; (c) display means for performing display in accordance with the signal from the control means; (E) card reading means for reading data recorded on a card, and (f) matching a signal input by the input means with the data read by the card reading means, and Verification means for outputting a determination signal as to whether or not
In the account card system in which a terminal equipped with a card reads data recorded on the card and then performs a predetermined business, the card has a first data unique to the owner of the card. Recorded, wherein the terminal is:
It has second data representing each task in the task selection menu, and under the control of the control means, the input as the first data is given from the input means while being displayed on the display means. When the collating means collates with the first data read by the card reading means to determine that the data is appropriate, the input means corresponds to a predetermined task in the task menu while displaying on the display means. The present invention provides an account card system characterized in that when the second data is input, the matching means determines that the data is appropriate and performs a predetermined business.

[0008]

1 and 2 show the operation of an embodiment of the present invention. In FIG. 1 and FIG. 2, a predetermined card possessed by an account user is located at a terminal in a bank, that is, at a bank branch or the like, is connected to a host computer located at an office center or the like. An example of a business operation performed by inserting it into a device is shown. Here, the operation content focusing on the so-called “drawer” operation is shown.

FIGS. 3 to 5 show how the display screen changes according to the operation of the ATM machine.
That is, the initial screen displayed on the ATM machine shows the job selection, the first data input, the second data input, and the display screen based thereon based on the subsequent operation.
5 shows only the display screen after data input.

The overall operation of FIG. 1 will be described with reference to the display screens of FIGS.
The supplementary operation of the contents described in (1) is performed.

As shown in FIG. 3, the initial display screen of the ATM machine includes, for example, "balance inquiry", "passbook entry", "deposit", "withdrawal", "transfer",
Items such as “transfer”, “foreign currency”, and “other screen” are displayed as a menu, and a user touches this display screen with a finger to select any item. If the "drawer" item is touched, the display is changed to a reverse display as shown in the figure as a job selection, and a payout operation is performed.

In order to pay out, it is necessary to insert a card into the ATM machine, and the operation proceeds to the subsequent operation after the card is inserted. Then, when the message "Please enter your password" is displayed on the screen, as shown as the first data entry, the password (4
(Digit number) is input, the data is collated with the four-digit number recorded on the card, and if it is correct, the operation shifts to a cash payment operation. If not, the payment is rejected. So far,
This is the operation of a normal ATM machine.

In the present invention, it is necessary to input a "proxy number" as the second data thereafter. This is also a security factor, and prevents unnecessary operations by the agent so as not to cause a cause of damage to the trust relationship between the client and the agent. In addition, the "agent number" does not mean the agent number, but is a numerical display of the business content. On the other hand, on the other hand, the word "agent number" has an effect of feeling the meaning of requesting the agent to perform the business. Then, the operation shifts to the cash payment operation on condition that the second data is correct.

The proxy number is notified to each account user in advance by a postcard-sized document "bookmark using card". The text is as follows.

[Book] Bookmark for using the card Information on the agency number Dear customer, Thank you very much for always using ABC Bank.

We will inform you of the proxy operation number when a proxy uses a customer's name cash card.

Balance inquiry: 21 Transfer: 8
3,61 Passbook entry: 92 Transfer: 47,52 Deposit: 35 Foreign currency screen: 55 Withdrawal: 73, 51 Other screen: 69 ・ If you use your card, enter 69 as your proxy number . The limit is released.

・ All transactions on the foreign currency screen are in dollars.

[0019] This "bookmark using a card" is important, so please keep it in a safe place by putting it together with your bankbook.

ABC Bank As can be seen from the description shown here, the proxy number is used after making it known that it is a number indicating a business. On the other hand, the word "proxy" gives the person who uses the card on behalf the real feeling that he is entrusted by the client.

The first data is data for each account,
The second data is recorded in the server of the bank as data indicating the contents of the business, and is read in response to an input from the terminal.

If both the first and second data input to the terminal are correct, cash is paid by inputting desired amount data within the account balance. In the case of FIG. 3, “5”, “10,000”, and “circle” are outlined,
50,000 yen is paid. In this case, since the payment is made to the agent, it is desirable to set a payment limit. The limit may be changed as appropriate.

On the other hand, as the second data, instead of the correct proxy number, for example, the proxy number “2” corresponding to the balance inquiry
When "1" is input, as shown in FIG. 4, a message "I'm sorry but please start over" appears, implying that payment is rejected.

As shown in FIG. 5, it is also possible to prepare "security code change" as a security measure and "investment trust information" and "future transaction information" menus as customer service.

Embodiments will be described below based on the above conceptual description.

[0026]

FIG. 1 is a flowchart showing the overall operation of an ATM machine according to the present invention.

This ATM machine is connected to a host computer (not shown) and always performs a cooperative operation, and is configured as shown in FIG. That is, (a) an input means 1 for forming an input signal corresponding to an operation, (b) a control means 2 for forming a necessary control signal based on a signal from the input means, and (c) a signal from the control means. Display means 3 for performing display according to the above, (d) menu storage means 4 for storing a menu for business selection and outputting in response to the control signal, (e) card reading means 5 for reading data recorded on a card, and (F) matching means 6 for checking a signal input by said input means with data read by said card reading means and outputting a determination signal as to whether or not the signal is appropriate;
Having.

The data input by the input means 1 is given to the control means 2 and used for controlling the operation of the display means 3, the menu storage means 4 and the collation means 6. Further, the data read by the card reading means 5 is also given to the control means 2.

The data unique to the card holder inputted by the input means 1 is sent to the card reading means 5 by the matching means 6.
To determine whether the data is appropriate or not. Further, the data relating to the work input by the input means 1 is checked by the matching means 6 against the data corresponding to the work from the menu storage means 4 to determine whether the data is appropriate. When both of these determination results are appropriate, the terminal executes the task. If it is not appropriate, do not execute the business.

Now, the card user stands in front of the ATM machine,
Start the operation. First, in step S1, an operation for selecting a menu is performed from the display screen as shown in FIG. The menu has eight kinds of business contents, that is, the operation contents of the ATM machine. Here, it is most important whether or not "draw out" is selected.

Therefore, in step S2, it is determined whether or not the operation is "drawing out". If not "drawer", step S
15 The operation proceeds to the operation of "card ejection".

If the result of determination in step S2 is "drawer", the flow moves to step S3, and after the insertion of "card", the flow proceeds to determination whether or not card insertion has been performed in step S4. After the card is inserted, the password is input by the card user in step S5.

The input personal identification number is compared with the personal identification number recorded on the card in step S6, and if it is correct, the flow shifts to step S7 to wait for the next operation, that is, input of the second data. The second data indicates the above-described proxy number, and actually corresponds to the business content.

At step S8, it is determined whether or not the proxy number is a number representing a "withdrawal" operation. If it is correct, the process proceeds to step S9, and the input amount is performed as payment in Japanese currency in steps S10 and S11 or payment in foreign currency in steps S12 and S13, depending on whether the payment is foreign currency. Then, step S2
The operation shifts to another operation of changing the password by 0.

On the other hand, if the proxy number entered in step S7 is not the "withdrawal" service number but "balance inquiry" which the client generally dislikes, the card is ejected in step S14 and payment is rejected. Indicates that

Even if the proxy number is "withdrawal", "balance inquiry"
If not, the operation is terminated.

FIG. 2 shows the operation in step S20 in FIG. 1 in more detail. That is, after the cash is paid in step S11 or S13, a menu for changing the personal identification number is displayed on the screen.

If the password change menu is selected, the process proceeds from step S21 to step S22, where an operation for changing the number and an operation corresponding thereto are performed. In order to enhance security, it is desirable to appropriately change the password.

As a customer service, step S2
Menu of investment trust information in step 3 and S24, step S
A menu of futures transaction information of 25 and S26 can also be prepared.

(Other Embodiments) In the above embodiment, a description has been given of a business requesting an agent mainly for a cash payment business. However, the present invention can be applied to other businesses. For example, in the case of “deposit”, “3” is used as the second data.
5 "so that the agent can
"Drawer" and "deposit" can also be requested.

The point is that the second data is determined in accordance with the specific task, and the terminal executes collation when input together with the first data to determine whether or not the task is executable, thereby determining whether the task is executable. You only have to decide.

Further, in the above embodiment, the case where the terminal is placed at a branch of a bank or the like is illustrated. However, if the terminal is limited to a business other than a business requiring cash transfer such as a withdrawal business, the terminal can be used. It may be placed in a company or home. In that case, a personal computer is used as the terminal, and the work is completed by data transmission between the terminal and the host computer.

In the above embodiment, a bank was described as an example. However, the present invention can be applied to a bank-like business called a non-bank.

[0044]

As described above, the present invention introduces a proxy number to an account card system which is operated only by the principal, assuming that the proxy uses the account card system. Since the proxy number corresponds to the business content, the proxy performs only the business requested by the principal, and the relationship between the client and the proxy can be clarified. Therefore, in a situation where it is desired to be able to easily request such as a nursing care service, the convenience of the account card system is greatly improved.

[Brief description of the drawings]

FIG. 1 is a flowchart showing an operation content of one embodiment of the present invention.

FIG. 2 is a flowchart showing a part of the operation shown in FIG. 1 in more detail;

FIG. 3 is an explanatory diagram showing transition of a display screen of the ATM machine according to the present invention.

FIG. 4 shows a transition of the display screen shown in FIG.
Explanatory drawing which shows the screen at the time of a payment refusal operation | movement.

FIG. 5 shows a transition of the display screen shown in FIG.
Explanatory drawing which shows the screen regarding ancillary services.

FIG. 6 is a block diagram showing a configuration of a terminal used in one embodiment of the present invention.

[Explanation of symbols]

 S21 to S26 Step 1 Input means 2 Control means 3 Display means 4 Menu storage means 5 Card reading means 6 Collation means

Claims (8)

[Claims] An input means for forming an input signal according to each of the following means (a) to (f): (a)
(B) control means for forming a necessary control signal based on the signal from the input means, (c) display means for performing display in accordance with the signal from the control means, and (d) a menu for business selection. Menu storage means for outputting in response to the control signal, (e) card reading means for reading data recorded on the card, and (f) collating a signal inputted by the input means with data read by the card reading means. A terminal device provided with a matching unit that outputs a determination signal as to whether the card is appropriate or not, and performing a predetermined operation after reading data recorded on the card, wherein the card Has recorded therein first data unique to the owner of the card, and the terminal holds second data representing each business in the business selection menu. Under the control of the control means, while displaying on the display means, when the input as the first data is given from the input means, the first means read by the card reading means by the collation means. Determined to be appropriate by collating with the data,
Further, when the second data corresponding to the predetermined task in the task menu is input by the input means while displaying on the display means, the predetermined task is performed by determining that the collation means is appropriate. And an account card system. 2. The account card system according to claim 1, wherein said first and second data include at least one of a character and a numerical value. 3. The account card system according to claim 1, wherein the first data is a fingerprint of an owner of the card. 4. The account card system according to claim 1, further comprising: installing a terminal based on a contract with a predetermined bank; inserting a card in which the first data is recorded into the terminal; After selecting a withdrawal business from the business selection menu displayed on the screen of the machine, operating and inputting the first data and the second data, and inputting a desired amount, the terminal device sets the account An account card system for paying the desired amount within a range not exceeding an account balance, and rejecting payment when data different from the first data and the second data is input. 5. The account card system according to claim 4, wherein different numbers are assigned to tasks other than “withdrawal” in the menu. 6. The account card system according to claim 4, wherein the payment refusal operation is performed by a display instructing “redoing the operation”. 7. The account card system according to claim 4, wherein the bank account can be set with a single payment limit. 8. The account card system according to claim 4, wherein the menu includes at least one of investment trust information, futures commodity information, and password change.