JPH03196289A - System for preventing illicit use by other person in card transaction - Google Patents

Abstract

PURPOSE:To simplify trouble of card transaction by performing the card transaction without identification in each terminal machine only in the day to which an availability code is given by a card selling means or a password confirming means. CONSTITUTION:The availability code is recorded on a card at the time of identification in a password confirming machine installed in a shop, and card transaction is permitted only in the day without identification in any salesroom by the card which is validated once. When this card is used in next and following days, the availability code is recorded by identification in the password confirming machine to validate the card. Since others cannot use the card in next and following days though the card validated once is lost, the security is improved and it is unnecessary to input the password number to identify the person at each time of card transaction. Thus, trouble of card transaction is simplified.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an unauthorized use prevention system that prevents fraudulent use of cards by others in transactions using prepaid cards.

[Conventional technology]

In recent years, the use of cash cards and credit cards has become popular, and in such card transactions, identity verification is always performed. There are two methods used to verify the identity of a person, such as the normal method.

■When making a card transaction, the user's identity is verified by comparing the PIN entered into the terminal by the user with the PIN previously stored in a remote host computer via a communication line.

■When making a card transaction, the user's identity is verified by comparing the PIN entered into the terminal with the PIN recorded on the card.

[Problem to be solved by the invention]

Conventionally, when using prepaid cards, the above ■ and ■
Using the method (2), the customer was verified at each sales floor for each transaction, but the method (2) uses a communication line, which increases communication costs and time, and the method (2) does not use a communication line. However, card users have to enter their PIN manually each time they process a transaction, and the reader/
Since all card processing machines such as writers must have a password input function, there is a problem in that the equipment cost becomes high.

The present invention is intended to solve the above-mentioned problems, and is capable of simplifying the effort involved in card transactions, reducing equipment costs, and speeding up card processing by eliminating the need for personal identification numbers at sales floors. The purpose is to provide a system that prevents unauthorized use by.

[Means to solve the problem]

To this end, the system for preventing unauthorized use by others in card transactions of the present invention includes a card sales means and a password confirmation means each having a manual PIN function and a function of assigning a validity code valid only on that day, and a card validation means using the validity code. Equipped with a terminal that has a function to determine whether or not the card is valid, and card transactions can be performed without 5fi authentication at each terminal only on the day the validity code is assigned by the card sales method or PIN verification method. It is characterized by

[Effect]

The present invention is characterized by not verifying the identity of the individual using a PIN number at the time of transaction, but verifying the identity of the individual when visiting the store, and when the identity is verified using the PIN verification machine installed in the store, the card will be valid. Once the gender code is recorded and the card is activated, it can be used for card transactions at any sales floor on the same day without the need for new identification, and if the card is to be used from the next day onwards, the PIN must be checked again. Verify your identity on the machine, record your validity card, and activate it.

Therefore, even if you lose your activated card, no one else will be able to use it until the next day, increasing security and eliminating the need to enter your PIN to confirm your identity each time you make a card transaction. This eliminates the need for identity verification, reduces equipment costs as the terminals installed at the sales floor do not need to have a PIN code input function, and speeds up card processing because there is no need to enter a PIN number at the sales floor. It becomes possible to aim for.

〔Example〕

The present invention will be explained in detail below.

FIG. 1 is a diagram showing the overall configuration of the system of the present invention, FIGS. 2 and 3 are diagrams showing the card configuration, and FIG. 4 is a diagram showing the processing flow. In the diagram, 100 is the card transaction section, 101
．． 102 is the entrance/exit, 103.105 is the card reception counter, 104.106 is the face-to-face vending machine, 110-1.17
is the PIN confirmation machine, 120-123 is the sales floor, 120a-12
3a, 120b to 123b are terminals, 140 is a card,
141 is a magnetic recording section, 150 is an IC card, 151 is an I
It is a C chip.

In Figure 1, there is a prepaid card vending machine in the sales floor,
Multiple terminals consisting of PO5s connected to PIN verification machines and reader/writers are installed, and they are connected to store controller 1.
It is connected to 30 and controlled organically.

For example, when entering through the doorway 101 and performing a card transaction, route A is used on the day of card purchase, and route B is used on days other than the date of card purchase.

In route A, for example, the card reception counter 103
A prepaid card is purchased at a face-to-face vending machine 104 installed at the store. As shown in FIG. 2, the card is a magnetic card 14 having a magnetic stripe 141 constituting a magnetic recording section.
0, or an IC card 150 having an IC chip 151 as shown in FIG. The vending machine is equipped with a PIN number input function, an amount input function, an encoding function, and a calendar function, and the PIN number, available amount of money, and release date are recorded on the card. Note that an automatic prepaid card vending machine may be used instead of the face-to-face vending machine. At the time of sale, it is clear that the person is the person who purchased the product, so a validity code 142 is recorded on the magnetic stripe in FIG. 2, for example. The validity code records the current year, month, and day, or a code that changes every day according to a predetermined logical formula. When a card transaction is performed using the terminals 122b and 122a in Route A, the reader/writer connected to PO3 of the terminal compares the date recorded on the card with the date in the reader/writer memory. The card is checked to see if it is valid, and once the code is validated, you can make a new transaction at any sales floor on the same day without having to verify your identity, and the amount spent is deducted and the remaining amount is recorded. Note that PO3 is store controller 1
30 to perform daily accounting processing of usage amounts.

From the next day onward, route B will be used, and if you wish to use your card, you will need to verify your identity using a new PIN verification machine. The PIN confirmation machine has a PIN input function, a calendar function, and an encoding function, and if the entered PIN is compared with the PIN recorded on the card and the identity of the cardholder is confirmed, it will be the same as at the time of sale. Record the validity code.

Once activated, you can make card transactions on any terminal on the same day without having to verify your identity. Therefore, even if you lose your activated card, no one else can use it until the next day.
Security as a prepaid card can be improved.

To explain the above process using the flow shown in Figure 4, on the day of card purchase, the flow will be as shown in Figure 4 (a), the card will be purchased, the PIN will be registered, a validity code will be assigned, and the terminals at each sales floor will be used. Then, it only checks whether the card is valid or not, and if it is valid, card transactions are possible. In this case, it is unlikely that the card is not valid, but if for some reason it is not valid, you will have to register your PIN again.

In addition, on days other than the day of card purchase, the person will first be verified using a PIN verification machine, and if the PIN number matches and the identity of the individual is confirmed, a validity code will be given, and each terminal will check whether the card is valid or not. Card transactions are carried out with only a decision made as to whether or not the transaction is acceptable.

Since a validity code will not be given unless the identity is verified using a PIN verification machine, verification at each terminal will fail and the user will not be able to use it. Furthermore, even if it is determined that the person is not the person in question, a validity code will not be given and transactions using the card will not be possible.

〔Effect of the invention〕

As described above, according to the present invention, a card that has been validated can be used for card transactions at any sales floor on the same day without having to re-identify the identity. Since the installed terminals do not need to have a PIN code input function, equipment costs are reduced. In addition, since there is no need to enter a PIN number at the sales floor, card processing can be speeded up, and even if you lose a card that has been activated once, it cannot be used by another person until the next day, so it can be used as a prepaid card. security can be improved.

[Brief explanation of drawings]

FIG. 1 is a diagram showing the overall configuration of the system of the present invention, FIGS. 2 and 3 are diagrams showing the card configuration, and FIG. 4 is a diagram showing the processing flow. 100...Card transaction counter, 104.106...Face-to-face vending machine, 110-117...Password confirmation machine, 120-
123-...Sales floor, 120a-123a, 120b-1
23b...Terminal, 140...Magnetic card, 141
...Magnetic stripe, 150...IC card, 15
1...IC chip. Figure 2 Figure 3 (a) (b)

Claims (2)

[Claims] (1) Equipped with a card sales means and a PIN confirmation means each having a PIN input function and a function of assigning a validity code valid only on the same day, and a terminal having a function to determine whether the card is valid or not based on the validity code, To prevent unauthorized use by others in card transactions, the system allows card transactions to be carried out without verifying the identity at each terminal only on the day a validity code is assigned by a card sales means or a password verification means. (2) The system for preventing unauthorized use by others in card transactions according to claim 1, wherein the validity code comprises the date of the current day.