JPS58203572A - Processor of transaction - Google Patents

Abstract

PURPOSE:To prevent the unjust use of a transaction processor to be used for an automatic cash discharger in a bank by combining the 1st secret number to be recorded in a card and the 2nd secret number to be recorded in a center file. CONSTITUTION:The corresponding relation between the 1st secret number recorded in a magnetic card and the 1st secret number inputted by the user is checked, and when it is normal transaction, the transaction is permitted as it is. In case of an important transaction, the user inputs the 2nd secret number and the corresponding relation between the 2nd secret number read out from a storing medium 11 accessed by the magnetic card and the 2nd one inputted by the user is checked, and when correct identification is recognized by the 1st and 2nd identification means, the transaction is permitted. Consequently, said identifying method is practical and the possibility of unjust use is extremely prevented.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a transaction processing device applied to a Gin11 automatic cash dispensing device, etc., and in particular, a method for authenticating a user depending on whether the transaction is a bait transaction or a ΦT transaction. Shino decided to change it.

As is well known, when you go to a bank etc. and use a magnetic card,
Trading process! The device is widely used. The user's four-prong system in this type of device is classified into the following two six-prong systems.

A... Check the correspondence between the PIN number recorded on the user's card and the PIN number entered manually by the user 1゜) 3... Check the ["] of the user's card in the central processing training file. Memorize the PIN number corresponding to the number m, and enter this)
) Examine the correspondence between the PIN number accessed and read by the card from the I file and the PIN number manually entered by the user?・One of the advantages of the 3A method is that the configuration of the authentication device is extremely simple, since it is only necessary to compare the number recorded on the card with the number Do 4 Ni Hitoshi/J Chang.

In addition, if the abbreviation II I N distributed on one card is stored so that only the user can know it, the if transaction is stored in the cylinder inside the silver 11. However, the second A major drawback is that if the card is inserted into a magnetic card, it can be used illegally relatively easily by decoding the magnetically recorded number.

In Method 13, the third person in front gets a magnetic card and goes dark.
Unauthorized use due to loss of card, etc. can be prevented since the card cannot be known. However, since the bank's internal bank can learn the F@1 number from the buffer file, there remains the possibility of internal unauthorized use. Also, thl F
Since it is necessary to apply 7 cups of interfile to the garden of Iil, there is a disadvantage that it increases the %Al11rS^ value and takes a long processing time.

This invention was made in response to the problems of the conventional methods, and the purpose of this invention is to create a practical product that takes advantage of the advantages and disadvantages of the Type 21 authentication methods mentioned above and eliminates the drawbacks of both methods. Moreover, it is possible to provide a transaction facility 111+ device that has an extremely low possibility of unauthorized use.

In order to achieve the purpose of item 1, this invention IJ examines the correspondence between the first password I1 recorded on the name card and the first password 'F' entered by the user. 1st a?
=l 4th stage, and 7J-de (2nd step to check the correspondence between the 211.1 number read from the accessed medium and the 2nd Blil 4 number entered by the user in 1111) 34 M means, transaction classification means that determines whether the transaction content manually entered by the user is a Tsurutsu transaction or a Φ shell transaction based on predetermined criteria, and if there is an induced transaction C, recognition by a second recognition means 11 The operation is (j), if the transaction is properly authenticated by the first authentication method, the transaction is permitted, and if the transaction requires Φ, both the first and second authentication methods are used to authenticate the transaction. It is characterized by comprising a control means for permitting transactions.

However, if a third party obtains the card and uses it fraudulently, the scope of fraudulent use only extends to the above-mentioned candy transaction, and even in the unlikely event that the damage is kept to a minimum, the 11th step is to can be done. Furthermore, even if the number 6 inside K41) knows the second dark 1ii1 number of the binder file, it is not possible to easily fj it by this alone. Furthermore, in the case of induced transactions, authentication can be performed without accessing the center site each time, so the processing time can be shortened. 5 I5 User's Guide >'++ etc. Smell C
&Yo, if only the administrator knew both the first and second dark bow numbers, and the daily attendants were only taught f, 1 dark, and iIt aG bows, it would be easier for users to 1 use can be prevented.

Hereinafter, embodiments of the present invention will be described in detail based on the drawings.

This device circumferentially circumscribes the Binterfile! Zuru Nakadokoro 1
', 1lS4iI & 1, vA automatic payment device f (hereinafter referred to as CD) 2, CI] 2 monitor device 4, and card 1 in the contract name.
It is equipped with a cart departure machine 1-j machine 3 for eti-j. 0
1) 2.7J-departing TJ plane 3. Each terminal device such as the monitor device 4 is connected to the terminal device 1-roller 4. It is connected to the central processing unit 1 via a seven dem 5 via a transmission line.

Central processing unit 1 includes CP LJ 10 and center 771
It is equipped with a communication system tiller 12 and a monitor 13.

CD2 is CI) tJ 20, memory 21, operation procedure display 22, customer service panel 23, card reader 24, slip machine 2F) banknote pile 1126, input/output system WS! 1lil#27.

7] -T issue 11131. t, CPU30 and Met',
J31 and 1-board 33 and printer 34 and CRT display V! A35, card reader 36, and human output control Milf3
7.

L: Nita M [4G, i, C)) IJ40! :Memo l
J41,! : It is equipped with a front small device 42, an input switch group 43, a bridge 44, and a turntable JJ &ll @44.

As shown in Figure 2, the transaction card consisting of a magnetic card has a bank number 9 branch 'Il! 1114 number, 1st PIN, management data (R data), last transaction date [],
Payment rate 31 amount per day (referred to as A cumulative 81 amount t), monthly payment amount*gt amount (referred to as B g 81 amount (), data such as limit amount code as m'rlf) It will be recorded.

The first secret mTI number is set by the tone used and recorded on the transaction card. This 111th identification number will not be registered on the printer.

When you withdraw cash from (E D 2) using this transaction card, the withdrawal amount is added to the Δ rate ml [1, which takes the element at of I Fl 16, and the monthly payment rate b1 is and 611'JA al amount (will be added.

To Rf-ta 11, 111a & F14 and A cumulative amount To 1
3!44iil amount scrambled with a predetermined function I-
ta(・, will be updated every time a withdrawal transaction is made (i).

■) Hoshi! The difference between a purchase transaction and a purchase transaction is that when you try to withdraw cash from a C112 using a transaction card, the withdrawal amount plus the cumulative amount is the predetermined limit. It is decided whether or not it exceeds. Depending on whether the amount you want to withdraw at the same time and the cumulative amount (61) exceeds the preset limit -> - (1), the withdrawal transaction is classified as a pass transaction or an important transaction. be done. In other words, if the 100 sum 81 amount exceeds the limit amount of A cumulative amount or [, 18 cumulative i1 amount, it is a Φp transaction, and if it is less than the limit amount, it is classified as an induced transaction.

The limit amount -1-to is the limit amount that is the classification standard for the above-mentioned transactions and transactions requiring φ (Av14.Revision 63 and
This is a 2]-code that specifies the (limit amount) of both IJ numbers of the elementary fi+. For this limit r&), several ranks are predetermined b9 (i-ζ, the other one of the ranks). , 1-do (゛There is.

Figure 3 shows how the transaction card described in F is issued to the subscriber.
This shows the procedure for /, -] [] - J yards. First, a magnetic card that is the source of a transaction card is inserted into the card issuer 13 (step 100), and then a check is made to determine whether the magnetic card is a normal format card or not (step 10).
1) Defective cards are removed.

Next, the frequent user manually operates any No. 111 fl manifest number 1 (step 102).Next, information regarding the required items of each data to be recorded on the transaction card shown in FIG. (step 103).

At this time, R7-Y is all 1°'. Then edit I
Record each information (including the first PIN number) on the magnetic card number (step 104), and use the card as your enrollment card.
Issue (step 105).

Next, the membership card No. 1 is inserted into the card issuer 113 again (step 106). Then check the format of the card (slump 107).

Next, input No. 1 Wa Certificate IA into the bacteria used (
Sfutsuno 108). Check whether the manually entered 111F identification number matches the 111F identification number recorded in the enrollment car 1 (Step 109 > 0
If you do not have a card (411 manual processing rationale, input is allowed a predetermined number of times.Next, sell the card from the membership card) R9--9 is all U "1"
(Slap 110)
.

If there is a 11-year admission card in the above mentioned '), all the R data is]''.
) If it is confirmed that the first PIN number matches, then click
Make the second identification number > 4 into the user name (Suj Tour 1.11).

Step 1 (6i+WL is finished 1) Each data that was omitted is Y-
(I II 3 sent to central processing equipment 1, 4 zuru (Sunotsu-1112).

Central processing unit 11. L receives the data listed in 1 (step 71113). Then, I repaired the received data (
Make sure that the IIMA number or IIL is set (make sure that 4 and 6 are set to 7114), and the 20th RfIIt number is set to 11 (Pintano corresponding to the J dust number).
Confirm that no data is recorded (step 115).
) n) - After confirming both of the above, the reception (ili k, 1)
Please enter the second PIN number into the corresponding account.
No. 1-97 is recorded as 0 (step 116). Na JJ,
If an error is detected in the subwoofers 114 and 11,
The 0 record of the 281st certificate i to the sink file is set to (not 1, error]-do (step 117). After this, the central processing ili image 1G correctly sets the second gu-m. Send data including 1-F to car 1: sender ti * 3 4 Luk Sue 17111
B).

JJ-F departure 1] aircraft; 3 receives data from 1-8 ↑ (
119). Next, the staff member manually operates a predetermined key 11 for confirmation (step 120). Next, central punishment & error from 1tl11]-F is set and sent (
;;Check whether it is true or not.Step 12
1) If the erroneous 1-card has been sold 1~, perform the process 1j to collect the 1-card. A 21-F has been retouched 1~ (but not, and the setting 0 record of the 2nd PIN number 4 is normal (1), the 1st PIN number and △144= are entered in the amount and 13 times. In addition to editing the R gater, other desired recorded data is edited depending on the at m location (step 122).

Next, record the 1<j″-ta mentioned in 1 on the card (Step 1
23) The L card is used as a 1F standard transaction card.

As in 1st 1, the transaction/J-de with the 1111'l certificate number recorded is issued (as well as the 2nd [11th certificate number is Pinterest)? The settings are recorded in the file.

Figure 4 shows 1) 70-J which shows the processing procedure when a withdrawal transaction is made at C112 using a small transaction node ti < t.
1・-]・There is. When performing a withdrawal transaction, insert transaction 7J into 0112 (step 200).

4, the format of the card is checked (t) (step 2ffl>) and the defective card is collected.

h-do! 1 always (-a book 1, then Ql 11 to the user
18 Enter the serial number (Sugetsu 7202). Here, the 1st Htl ij1 number entered manually and the 188th security number recorded on the transaction card are T! It is checked whether it is true or fortune-telling (Sugetsu f 203). Ill
If the eyes do not match, re-input processing t, j'-1
) Allows re-input less than 44 times. This first
Ill check your fit number! - If the first recognition card 1 (゛ exists) mentioned above matches, then the transaction card 1
! The RY-Yu-ft is retrieved (Step 204).

In other words, the first dark [number and A] recorded on the card.
The predetermined scramble amount is determined from the total amount and the total amount of B, and the performance M! 4! Checks whether it matches the R data recorded on the card. If this does not match, it is determined that the transaction card is forged, and the transaction card is collected. The R data is also normal. If so, the user is then asked to enter the desired withdrawal amount manually (step 205).

Next, read the withdrawal amount from the card A cumulative amount 4
5 and 8 cumulative amounts respectively (step 206
>. Next, [To the withdrawal amount + 811111 is the predetermined limit +
43 and [Withdrawal amount + 113]
-11 whether 181 Gaku1 is within the specified limit
, Tsukuzuru (S I ° Tsubu 207). If there is a normal transaction C within the limit, set the flag [<1 to
210>. If the transaction exceeds the limit amount, the user will be given the ``?82 Dark-1 code 1 number (Sugetsu 1'208
). Also, a flag RF-4 indicating that there is an important transaction (・
rL? Tsutsuzuru (step 209). The preprocessing is completed in step 1, and each transaction described above and the flag R[OD2
from there to the central processing *gi (Sugetsubu 211).

[Central Office] 9 + Device 1 receives the data in 1 (Step 2 2), (then, first refers to the center file and makes the desired 4 withdrawal with the balance of that 1 1 seat number 'P; Step 213) Check whether there is more than the amount or older by 1 step (Step 213), and if the balance is insufficient, set the flag "G1" (Sugetsubu 21
6). If the balance is sufficient, next 7 lags R14 will be determined whether it is a normal transaction or an important transaction. Chilling Step 214
), if it is an important transaction, then (1-1 of the No. 2110 security number sent from ED2)
Check to see if it matches or is old (step 215 >. This is the previous step). There is a second verification-1 stage C. 20 fl. Evidence III
If the number matches 4C or -), let -flag N02 (step 2 '17), and if it is a normal transaction, press slap 21F) (proceed to step 218, then press again). If the second PIN number is found to match in an important transaction, proceed from Step 1215 to Sugetsubu 218. At Step 7218, various r. , 9 processing is performed.-In the event of an abnormality in which the flag N01 or NG2 is pitted, the transaction data processing routine 21B is of course executed.
stomach. After the above processing, the central processing unit 1 transmits the necessary Y-data to the OI'') 2 (Sugetsub 219).

CD 2 t,t receives the f-ta (step 220). First, the flag NGI is set (step 221 to check whether it exists or not), and if this flag is hit, the transaction is rejected if the transaction cannot be performed due to insufficient balance or other reasons. If the flag NG1 is not hit, then the state of the flag RF 7)1 is determined to determine whether it is an ordinary transaction or an important transaction (step 222), and if there are 81 transactions, step 22) is executed.
E) Hemp 1ν, update the 191 data such as the cumulative 81 data and R data of the transaction card, and then record the updated data in the transaction 7J-do, (S171226),
After that, the process of paying the requested withdrawal amount (step 22)
7) Execute 4.

Also, if there is a Φso transaction (-, proceed to step 223, and if the 2111'l1IWt month matches, douga ii
Set the status of S flag N02 to f[. flag NG
2 is soto (Iru no (Yo, the reason why the 20th Russian No. 1 bow did not match (-1) In this case, the name of the card at that time or the name of the user (111 Notake is a person) , we will proceed with the process related to dealing with this.Also, flag NG
If 2 has been carried out (-C), please refer to the person in charge and conduct a strict transaction check.
Step 224). This staff inquiry is made by the monitor device 4.
>'(Go. For example, set up a camera such as a camera around the CD 2, and in Step 224 of Step 1, take a picture of the face of the user name C1] 2 on the monitor device 4.
There are h-methods such as If the transaction is approved by the staff,
The staff member performs the operations of the police officer.

Step 12)→226□':+227, and the requested withdrawal amount is processed.

As explained in detail, the transaction process for this invention is
The first password is entered using the first password recorded on the device, and the password is set in the Linterface.
Since we have made it possible to combine the 2nd recognition method 1 method according to the 2nd 1-11 that was recorded according to the importance of the transaction, the benefits of both methods are maximized and it is very practical. And there are very few problems with unauthorized use.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing the configuration of a transaction processing device according to an embodiment of the present invention, FIG. 2 is an explanatory diagram of an arc recorded on a transaction card, and FIG. FIG. 4 is a flowchart showing the processing procedure for a transaction using a transaction card. 1...Central processing unit 11... Hint File (812 recording medium) 2
・・・・・・Automated dispensing machine 3...

Claims (1)

[Claims] (1> The first authentication step to check the correspondence between the first pin number recorded in the user's cart and the first identification number manually input by the user, and the storage medium accessed by the L card. 2nd 4X to check the correspondence between the 2nd PIN number read from 11 and the 2nd PIN number 11 entered manually by the user
M means and the content of the transaction that was manually performed by the user is a tuna trading transaction Φ
The transaction classification means determines whether the transaction is a losing transaction based on a predetermined standard, and the second memorization means performs an authentication operation t if the transaction is a loss transaction. A transaction processing device comprising: a control means for permitting a transaction, and for correcting the transaction when both the first and second means for admitting 1111 have accepted an amount of 1 when there is a φso transaction.