JPH055139B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Technical Field The present invention relates to a card transaction management system when a credit card or cash card is used to conduct a transaction.

(b) Prior art and its disadvantages In systems that allow the use of credit cards and cash cards issued by financial institutions, card users are required to enter a PIN number to ensure the security of using the card. By inputting a password and checking the PIN number, it is verified whether the cardholder is the person in question. In addition, the system allows you to set a limit for a single transaction and a limit for total transactions, thereby increasing the security of card use so that even if a card is used fraudulently, the amount of damage can be reduced. However, although the card owner naturally does not want the card to be used fraudulently, there are cases where the card owner requests a trusted person to use the card on his or her behalf. In this case, you will have to tell someone your PIN number and have them use your card on your behalf, but once you give out your PIN number, the confidentiality of that number cannot be maintained, so there is the inconvenience that long-term security cannot be ensured. arise.

(c) Purpose of the Invention The purpose of the invention is to enable a cardholder to set a temporary PIN number that can be used temporarily and a limit amount that can be used for transactions when using that PIN number in a temporary account. To provide a card transaction management system capable of maintaining the confidentiality of a personal identification number of a main account and ensuring safety by having the person use a temporary account when requesting a person to use a card.

(d) Structure of the Invention This invention provides a temporary account consisting of a temporary PIN that can be used temporarily in addition to a PIN during transactions, a single transaction limit, and a total transaction limit that can be made when using the temporary PIN. Temporary account management data storage means for storing management data; means for inputting and setting these temporary account management data; a temporary transaction checking means for checking the transaction amount inputted in the temporary account management data, and erasing the temporary PIN from the storage means when a transaction is performed using the temporary PIN. A temporary PIN number erasing means is provided.

(e) Embodiment FIG. 1 is a system configuration diagram of a card transaction management system according to the present invention. The card reader is connected to the card processing terminal device 2, accepts a credit card or a cash card, and reads recorded data thereof. The card processing terminal device 2 is connected to a customer management system 4 via a line 3. The customer management system 4 includes a main account file 5 and a temporary account file 6. The main account file 5 stores main account management data such as the original password assigned to the card and credit limit data. The temporary account file 6 contains a temporary PIN that can be used temporarily in addition to the PIN stored in the main account file 5 at the time of a transaction, a single transaction limit, and a total transaction limit that can be made when using the temporary PIN. Stores temporary account management data of the amount. The temporary account file 6 can be accessed only by the cardholder who knows the card's original password (hereinafter referred to as the main password), and the temporary account management data can only be set by the cardholder. Further, these temporary account management data are set under the management of the main account data stored in the main account file 5. For example, the single transaction limit must not exceed the credit limit stored in the account file 5, and the total transaction limit must not exceed the credit limit. Therefore, the temporary account management data stored in the temporary account file 6 will not exceed the credit limit due to an input error by the cardholder. FIG. 2 shows the data stored in the temporary account file 6. In this embodiment, the temporary account file 6 is provided with a data storage area for permanent account management in area MA, in addition to a data storage area for temporary account management consisting of areas MB and MC. This area MA is a part where the main account management data stored in the main account file 5 is stored as is.

The temporary account management data storage area is divided into a credit transaction management data storage area MB and a cash management data storage area MC.

In area MB, area MB1 is the total transaction limit when using a credit card (temporary total transaction amount)
remember. Area MB2 stores a temporary password when the credit card is temporarily used for the first time. Area MB3 similarly stores the single transaction limit at the time of first temporary use. Furthermore, area MB4 stores a temporary password when the credit card is temporarily used for the second time, and area MB5 stores a single transaction limit when the credit card is used for the second time.

Area for storing management data for caching
In the MC, area MC1 stores the total transaction limit (total amount of temporary deposits) when using a cash card. Area MC2 stores a temporary password that can be used when the cash card is temporarily used for the first time. The area MC3 stores the transaction limit (one-time payout limit) when used for the first time. Area MC4 also stores a temporary password that can be used when the cash card is temporarily used for the second time.
Similarly, area MC5 is the one-time transaction limit (one-time withdrawal limit) for second temporary use.
remember.

In the area MA, a temporary account number is stored in area MA1. The area MA2 also stores the main account number, main password, and credit limit stored in the main account file 5. In this example, area MA was set up in temporary account file 6, but
It may be configured with only MB and MC.

Next, the operation of the above system will be explained with reference to FIGS. 3 and 4.

FIG. 3 is a diagram showing the procedure for creating a temporary account file.

When a credit card or a cash card is input into the card reader 1 at step n1 (hereinafter step ni will be simply referred to as ni), the card processing terminal device 2 enters a state of waiting for input of the actual personal identification number. At this time, the terminal device 2 is reading data such as a password from the input card. When the actual PIN number is input at n2, data including the actual PIN number is checked at n3. Items to be checked include the suitability of the personal identification number, the presence or absence of the official account number, and the expiration date. If the result of these checks is that the use of the card is invalid, error handling is performed. If it is valid, the process proceeds from n3 to n4, and the input setting of temporary account management data to the temporary account file 6 is permitted. The data entered for settings differs between cash cards and credit cards. In the case of a cash card, the area is as shown in Figure 2.
Input the settings for each data to be stored in the MC. If using a credit card, input and set each data to be stored in area MB. In this case, if the number of times the card can be used temporarily is only one, only one temporary password and one transaction limit (including one-time payout limit) are input. Once the necessary data has been input and set, the validity of the data is checked at n5. The validity is determined based on the total transaction limit (total amount of temporary transactions or total amount of temporary deposits)
is within the credit limit of the account management data stored in the account file 5, and whether the single transaction limit (including the one-time withdrawal limit) is also within the above credit limit. If the input settings are within the credit limit, the input settings are determined to be valid. If it is not valid, perform error handling. If the input setting data is valid, proceed from n5 to n6, and check if the setting data is related to credit transaction management data.
It is determined whether the data is related to caching management data, and if the former, n7 is executed, and if the latter, n8 is executed. At n7, the input data is stored in areas MB1, MB2, and MB3, respectively, and if temporary account management data for the second use is input, it is further stored in areas MB4 and MB5. In n8, the input data is stored in areas MC1, MC2, and MC3, respectively, in the same way as in n7, and if temporary account management data for second use is input, each data is also stored in areas MC4 and MC5. do. Through the above procedure, temporary account management data can be stored in the temporary account file 6. In the above operation, n4 corresponds to means for inputting and setting temporary account management data.

FIG. 4 is a diagram showing the procedure for using the card in the above system. When the card is input into the card reader 1 at n10, the temporary PIN number is input at n11, and the target amount is input at n12, n1
In step 3, it is determined whether or not the card used is valid. This determination is made based on the main account management data stored in the main account file 5.
The contents of the validity check include whether the card has been used beyond its validity period. If it is valid, the validity of the input temporary password is checked in n14. That is, when the card is being temporarily used for the first time, it is checked whether the entered temporary password matches the temporary password stored in area MB2 or MC2. In addition, in case of second use, enter the temporary PIN number and Area MB4 or Area
Check whether it matches the temporary PIN stored in the MC4.

Next, it is determined whether the card used is a credit card or a cash card (n15), and if it is a credit card, steps n16 and n17 are executed, and if it is a cash card, steps n18 and n19 are executed. At n16, it is determined whether the target amount input at n12 is within the temporary transaction total amount stored in area MB1. In n17, it is determined whether the target amount is within the transaction limit stored in area MB3 if the card is used for the first time, and whether the target amount is within the transaction limit stored in area MB5 if the card is used for the second time. Determine whether the transaction amount is within the transaction limit. Further, in n18, it is determined whether the target amount is within the total amount of temporary deposit stored in area MC1. In n19, if the target amount is the first time the card is used, it is determined whether it is within the one-time payout limit stored in area MC3, and if the target amount is the second time the card is used, the target amount is determined in area MC5. It is determined whether the amount is within the stored one-time payout limit. The above n14 and n16 to n19 correspond to the temporary transaction checking means of the present invention.

If the above checks n16, n17, or n18, n19 are all OK, steps n20 and subsequent steps are executed. First, in n20, a transaction is executed and the data in the main account file 5 that should change depending on the transaction is updated. Subsequently, at n21, the temporary account management data in the temporary account file 6 is updated. The update details include area MB for credit transactions.
The total amount of temporary transactions stored in area MC1 is set as the value of the previous total amount of temporary transactions minus one transaction amount, and in the case of cashing, the total amount of temporary deposits stored in area MC1 is paid out once from the total amount of temporary deposits from the previous time. Subtract the amount. Once this is complete, use n22 to delete the temporary PIN number in area MB2 for credit transactions, and to delete area MB2 for cash transactions.
Delete the temporary PIN number of MC2. This allows the area to be used temporarily for the second time or later.
The temporary PIN stored in MB2 and MC2 will no longer be usable. This n22 corresponds to the temporary password erasing means of the present invention. Next, it is determined whether the updated total amount of temporary transactions or total amount of temporary deposits has become 0 or less (n23), and if not, the process ends. If it is less than 0, all temporary account management data is deleted and the process ends. (n24).

For the next temporary use of the card, n
Check in 14 is area MB4 or area
The temporary PIN stored in the MC4 will be affected. In this embodiment, the number of times a card can be temporarily used is set to two, but it goes without saying that it can be set to a higher number of times.

(f) Effect of the invention According to this invention, the temporary PIN number disappears after one use of the card, so even if the temporary PIN number is temporarily known to someone other than the card holder, the maximum amount per transaction can be used in advance. The amount of damage can be reduced by setting a small total transaction limit. Furthermore, if the temporary PIN number and transaction limit are set in small increments over several times and the temporary PIN number is used by the user, there is an advantage that the user can maintain safety and planning.

[Brief explanation of drawings]

FIG. 1 shows a system configuration diagram of a card transaction management system according to the present invention. Figure 2 shows a portion of the system's temporary account file. FIG. 3 is a flowchart showing the procedure for creating temporary account management data. Further, FIG. 4 is a flowchart showing the procedure when using the card.

Claims (1)

[Scope of Claims] 1. A main account management data storage means for storing main account management data when using a credit card or cash card, such as a personal identification number and credit limit data, which can be input at the time of card transaction. In a card transaction management system that checks data with the actual account management data, a temporary PIN that can be used temporarily in addition to the above PIN during transactions, and the maximum amount per transaction that can be made when using that temporary PIN. and a temporary account management data storage means for storing temporary account management data consisting of a total transaction limit; a means for inputting and setting the temporary account management data; and a means for inputting and setting the temporary account management data; a temporary transaction check means for checking the temporary PIN number and the transaction amount entered thereafter using the temporary account management data; A card transaction management system comprising temporary PIN number erasing means for erasing the PIN number from the storage means.