JPH045226B2 - - Google Patents

Description

Detailed Description of the Invention <Technical Field of the Invention> The present invention relates to a home banking system in which a transaction person who has a deposit account at a bank can conduct cash transactions with the bank at home etc. The present invention relates to a card transaction processing device for a home banking system when conducting commercial transactions using a cash substitute card created by recording amounts on the person's side.

<Background of the Invention> In conventional bank transactions, transactors personally go to the bank and carry out various transactions such as depositing and withdrawing cash, checking balances, etc. at a teller counter or an automatic teller machine.
Therefore, in recent years, terminal control equipment has been installed on the trading side.
An automated transaction system has been developed that can communicate with a bank's transaction processing equipment to perform balance verification, transfer procedures, etc. However, this type of trading system is only for the purpose of confirming information and transmitting data.
The nature of the transaction was not such that it would be possible to carry out cash transactions at home or elsewhere.

<Purpose of the Invention> The present invention is a novel system that employs a home banking system using a card, allowing a transactor to carry out cash transactions at home, etc., and to conduct transactions using a cash substitute card created by the transactor. The purpose of the present invention is to improve the safety and speed of transactions and promote rationalization of transactions by providing a card transaction processing device.

<Structure and Effects of the Invention> In order to achieve the above object, the present invention provides a transaction processing device that issues a transaction code in which a security code for specifying an account is recorded to a bank, and a transaction processing device that issues a transaction code in which a security code for identifying an account is recorded, and a transaction processing device that issues a transaction code based on communication with the bank. A home banking system is constructed by installing a terminal control device on the transactor's side that records the amount of money and creates a cash substitute card, and a card transaction device for conducting commercial transactions based on the data recorded on the cash substitute card at each store. , the card transaction device is provided with means for reading the recorded data of the cash substitute card, means for filing security codes of multiple transactions, and means for comparing the read data with the filed data regarding the security code. And so.

According to the present invention, a transaction person can make a cash transaction with a bank at home, etc., and can also conduct a transaction at a store using a cash substitute card created by the transaction person, which greatly improves the safety and speed of transactions. The invention achieves the purpose of the invention and has excellent effects, such as increasing profits, promoting the rationalization of banking transactions, and commercial transactions.

<Description of Examples> Fig. 1 shows an outline of a home banking system, which includes a transaction processing device 1 installed at a bank A, a terminal control device 2 installed at a transaction person's home B, etc., and a product sales store C. Bank A and home B are configured to be able to transmit transaction data via a telephone line 4.

In the illustrated home banking system, when a transactor opens an account with Bank A and makes a deposit, Bank A issues a plurality of transaction cards. Then, at home B, the transaction person records the required amount within the deposit amount on the transaction card based on the communication with bank A, and creates a cash substitute card. The trader goes to store C with this cash substitute card and obtains a desired product in exchange for the card. On the other hand, at store C,
Bring the cash substitute card to Bank A and exchange it for cash.

The transaction card may be made of plastic, paper, etc.
Any sheet material can be used; for example, as shown in FIG.
to enable data recording. Data is sequentially recorded on the magnetic stripe 41 according to the distribution process, and at the time of card issuance at Bank A, as shown in FIG.
As shown in the figure, the bank number and security code that identifies the transaction's account are recorded as data.

FIG. 2 shows the circuit configuration of the terminal control device 2 installed in the trader's home B. The illustrated device includes a card reader 21 that reads and writes recorded data on a transaction card, a keyboard 22 that inputs the amount to be withdrawn from a bank account, and an audio device that communicates with a transaction processing device 1 on the bank A side via a telephone line 4. coupler 2
3. CRT display section 2 that displays key input data, etc.
4. Includes an input/output unit such as a printer 25 that prints transaction details, and a CPU 20 (Central Processing
Unit) is a data storage area m ₁ to _{m 4} of the memory 26 based on the program stored in the memory 26.
It controls the operation of each input/output section while writing and reading data to (shown in FIG. 8).

Figure 3 shows a card transaction device 3 installed in store C.
The circuit configuration is shown below. The illustrated device includes a card reader 31 that reads and writes recorded data on the cash substitute card created by the terminal control device 2, a display 32 that displays amounts, etc., a memory 33 that stores programs and various data, and multiple transactions. It includes a memory 34 (shown in FIG. 82) in which a person's security codes D ₁ , D ₂ , ..., Dn are stored, and the CPU
30 controls each input/output operation while writing and reading data to and from memories 34 and 35 based on a program.

4 and 5 show the control flow of each CPU 20, 30 in the terminal control device 2 and card transaction device 3, respectively.

First, the transactor obtains a plurality of transaction cards from bank A in advance, and executes cash transactions at home B as needed. After setting the terminal control device 2 to transmit/receive mode in step 50 of FIG. 4, when the transaction card is set in the device in the next step 51, each data such as the bank number and security code recorded on the transaction card is transferred to the card. leader 21
This read data is stored in memory 2.
6 data storage areas m ₁ and m ₂ (steps 52 and 53). Next, in step 54, the trader inputs the required amount using the keyboard 22, and this key input data is set in the data storage area _m3 of the memory 26 (step 55). Thereafter, the CPU 20 reads each data set in the memory 26, edits the payment request message, and sends the payment request message to the bank A from the acoustic coupler 23 via the telephone line 4 in step 56.

Bank A checks the security code in the received message, determines whether the requested amount is within the range of the deposit balance, and if it is "payable", sends the bank number, security code, payment,
A payment instruction message including a verification code is sent via the telephone line 4. This telegram is received by the acoustic coupler 23 in the next step 57, and this received data is set anew in each data storage area m ₁ to m ₄ of the memory 26. Thus, step 59 "Payable"
Since the determination is "YES", the process proceeds to step 60, where the bank number, security code, amount and verification code are recorded on the transaction card (as shown in FIG. 7, 2). Then, in the following step 61, print printer 2.
After the transaction details are printed in step 5, the card with the data recorded thereon is returned to the transaction person as a cash substitute card (step 62).

Next, the trader purchases the desired product at store C using the cash substitute card. At store C,
First, when a cash substitute card is set in the card transaction device 3 in step 70 of FIG. 5, the data recorded on the card is read by the card reader 21 and set in the memory 26 (steps 71 and 72). Then
In step 73, the CPU 20 examines the file in the memory 34 and compares the read data with the file data for security codes. As a result of the verification, if a matching security code is confirmed, the judgment in step 74 becomes "YES" and the process proceeds to step 75, where the read amount data is displayed on the display 32, and then, in step 76, the product is sold. Processing is executed. Next, in step 77, the sold code is recorded on the cash substitute card as shown in FIG.
will be collected.

Thus, at store C, the cash substitute card is taken to bank A and exchanged for cash, or the sold card is not recorded and the collected card is used for commercial transactions at other stores.

In the above embodiment, store C files the security codes of multiple transactions in the memory 34 of the card transaction device 3, but the transaction processing device 1 of bank A stores such codes, and stores C and It is also possible to connect bank A online and perform a code check on the bank A side.

[Brief explanation of drawings]

Fig. 1 is an explanatory diagram showing a home banking system, Fig. 2 is a circuit block diagram of a terminal control device according to an embodiment of the present invention, Fig. 3 is a circuit block diagram of a card transaction device, and Fig. 4 is a terminal control device. Flowchart showing the operation of the device; FIG. 5 is a flowchart showing the operation of the card transaction device; FIG. 6 is a plan view of the transaction card; FIGS. 1 and 2 are explanatory diagrams showing memory configurations. 1... Transaction processing device, 2... Terminal control device, 3
...Card transaction device, 30...CPU, 31...
Card reader, 34...memory.

Claims (1)

[Claims] 1 A transaction processing device installed at the bank that issues the transaction card with account identification data recorded, and a transaction processing device installed at the transaction side that records the amount on the transaction card and creates a cash substitute card based on communication with the bank. A card transaction device installed in a store that conducts transactions based on data recorded on cash substitute cards; A card transaction processing device for a home banking system, comprising means for filing data, and means for comparing account identification data in the read data with the filed account identification data.