JP2006318403A - Debit settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a debit settlement system capable of preventing indulgence in overusing card usage by deciding a use limit when the debit is in use, based on biometric information (a face image) of a customer who uses the debit settlement. <P>SOLUTION: The face image of the customer using the debit settlement is photographed by a photograph camera 320, and in inserting a debit card being performed when using the debit, the face image photographed by the photograph camera 320 is collated with a face image stored in advance in a debit use information database 376. When the both coincide, it is decided whether a sum of a desired settlement amount by the customer and the accumulated use amount by means of the past debit deals range within the use limit. From the above decision, when the amount does not exceed the limit, a prepaid card having the desired settlement amount is issued. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a debit payment system that applies usage restrictions using debit cards, and in particular, by managing usage restriction amounts based on user's biometric information, it is possible to prevent “increase” such as overuse by using cards. The present invention relates to a debit settlement system that can be surely prevented.

  Conventionally, when playing a game in a game shop where a gaming machine such as a pachinko machine is installed, a prepaid card is purchased from a card issuing machine, and a game medium according to a valuable value (purchase amount) given to the prepaid card. Game media lending systems using prepaid cards for borrowing (pachinko balls, etc.) are the mainstream.

  Now, a debit payment machine is installed in the amusement store, and a debit payment using a debit card (bank or postal savings cash card) is used to purchase a prepaid card for the desired amount of the player. The system is built. According to this conventional debit payment system, the purchase amount (value value) of the purchased prepaid card is withdrawn from the account of a player who uses debit payment at the debit terminal. The player can borrow a game medium (such as a pachinko ball or a medal) using the prepaid card purchased by the debit settlement and play a game.

  However, in this debit payment system, if the bank that issued the debit card (cash card) has not set a debit usage limit, the player can withdraw the deposit in his bank account indefinitely. There was a risk that debit payment could not be stopped and could trigger the game.

  Therefore, in order to prevent such “drinking”, a debit payment system based on usage restrictions (for example, up to 30,000 yen can be used per day) for setting a usage amount that can be used for debit payment has been proposed (for example, Patent Document 1). According to the debit payment system based on this usage restriction, the usage amount exceeding a certain amount by debit payment is restricted, and the prepaid card purchase amount desired by the player (payment desired amount) is compared with the usage restriction amount to determine the payment amount. If the cumulative total exceeds the upper limit of the usage limit, debit payment is disabled (NG), and overuse by debit payment can be suppressed.

JP 2002-889 A

  However, the conventional debit payment system described above has the following problems. In other words, according to the debit payment system based on the above-mentioned usage restrictions, there is a limit on the amount of money that can be used for debit payment (for example, it can be used up to 30,000 yen per day). , You can no longer debit by debit payment.

  However, in the case of this debit payment system, the identification information for identifying the individual customer is the card information (card ID) of the debit card. Therefore, in the case of a customer having a plurality of debit cards, the set use You can purchase a card by debit payment rather than the limit amount (Usage limit x number of debit cards). As a result, the conventional debit payment system to which usage restrictions are applied still has a problem in that it cannot reliably prevent overuse due to the use of a debit card.

  Therefore, the present invention has been made to solve the above-described problems of the prior art, and by using the card by determining the usage limit based on the face image of the customer who uses debit payment. The present invention relates to a debit payment system that can reliably prevent overuse.

  In order to solve the above-described problems and achieve the object, the invention described in claim 1 is a debit terminal device that receives a debit card and obtains card information of the debit card, and the card information and a user In a debit payment system including an information processing center that performs a payment process based on a desired amount of payment and a financial institution that performs a payment transaction with the information processing center, the debit terminal device uses the debit payment applied to the customer Usage limit amount storage means for storing the usage limit amount at the time of use, biometric information acquisition means for acquiring the user's biometric information, the user's biometric information, and the usage amount used by the user by debit payment Debit usage information storage means for associating and storing the biometric information of the customer acquired by the biometric information acquisition means and the debit Use restriction determination means for determining whether the debit payment amount used by the user is within the range of the use restriction amount based on the use amount stored in the information storage means. To do.

  The invention according to claim 2 is the invention according to claim 1, wherein when the debit card is received, a desired settlement amount set by the customer and a usage amount by a debit settlement transaction within a predetermined period A usage accumulated amount calculating means for calculating the total is further provided, wherein the usage restriction determining means determines whether the biological information acquired by the biological information acquiring means matches the biological information stored in the debit usage information storage means. When the two pieces of biometric information coincide with each other, the use restriction for the accumulated usage amount calculated by the accumulated usage amount calculation means is determined.

  The invention described in claim 3 is the invention described in claim 1 or 2, wherein the biometric information acquired by the biometric information acquisition unit and the biometric information stored in the debit usage information storage unit do not match. In this case, the user corresponding to the biometric information is recognized as a new customer, and the desired usage amount by the new customer is newly associated with the biometric information and stored in the debit usage information storage means. It is characterized by that.

  According to a fourth aspect of the present invention, in the first aspect of the invention, the debit usage information storage means is associated with the card information acquired from the debit card and the biometric information of the user. And further comprising a function of storing a usage amount used by debit payment, wherein the usage restriction determination means determines whether the card information acquired from the debit card matches the card information stored in the debit usage information storage means. Determining whether the biometric information acquired by the biometric information acquisition means matches the biometric information associated with the card information stored in the debit usage information storage means, and at least one of the biometric information and the card information If they match, the usage restriction is determined based on the usage amount associated with the biometric information or card information. Wherein the performing.

  Further, the invention according to claim 5 is the invention according to any one of claims 1 to 4, wherein the usage restriction determining means sets a desired settlement amount set by the customer and a debit settlement transaction within a predetermined period. When it is determined that the total value with the accumulated usage amount is not within the range of the usage restriction amount, a settlement processing regulation means for regulating the debit settlement processing is provided.

  The invention according to claim 6 is the function according to any one of claims 1 to 5, wherein the biometric information acquisition unit captures a face image of a user who uses the debit card as biometric information. It is characterized by providing.

  The invention according to claim 7 is the invention according to any one of claims 1 to 6, wherein the use restriction determination unit controls the amusement store in which the information processing center and the debit terminal device are installed. It is provided in either a game store headquarters to be managed or a management device that manages and manages information in the game store.

  The invention according to claim 8 is characterized in that, in the invention according to any one of claims 1 to 7, the information stored in the debit usage information storage means is erased after a predetermined period.

  According to the first aspect of the present invention, the debit terminal device obtains the usage limit amount storage means for storing the usage limit amount applied to the customer when the debit payment is used, and the user's biometric information. Biometric information acquisition means, debit usage information storage means for storing the biometric information of the user and the usage amount used by the customer by debit payment, and the user acquired by the biometric information acquisition means Use restriction determination means for determining whether the debit settlement amount used by the customer is within the range of the use restriction amount based on the biometric information of the user and the use amount stored in the debit use information storage means. It is possible to determine the amount of usage limit based on the user's biometric information, thereby reliably preventing “overloading” such as overuse by using the card. An effect that can be.

  According to the second aspect of the present invention, when the debit card is received, the accumulated usage amount for calculating the sum of the desired settlement amount set by the customer and the usage amount by the debit settlement transaction within a predetermined period. And further comprising a calculating means, wherein the use restriction determining means determines whether or not the biometric information acquired by the biometric information acquiring means matches the biometric information stored in the debit usage information storage means; If the two pieces of biometric information coincide with each other, the use restriction for the use amount calculated by the use amount calculation means is determined. The usage limit amount can be determined and the accumulated usage amount due to past debit payment transactions can be calculated accurately. An effect that the embedment "can be reliably prevented.

  According to the invention described in claim 3, when the biological information acquired by the biological information acquisition unit and the biological information stored in the debit usage information storage unit do not match, the biological information corresponds to the biological information. The user who authenticates as a new user and stores the desired amount of money by the new user in the debit usage information storage means in association with the biometric information newly. There is an effect that it is possible to reliably determine the customer.

  According to the invention described in claim 4, the debit usage information storage means uses the debit payment in association with the card information acquired from the debit card and the biometric information of the customer. The usage restriction determination means determines whether the card information acquired from the debit card matches the card information stored in the debit usage information storage means, and the biometric information acquisition means When the acquired biometric information is matched with the biometric information associated with the card information stored in the debit usage information storage means, and at least one of the biometric information and the card information matches, Since usage restrictions are determined based on the usage amount associated with biometric information or card information, There is an effect that reliably prevent the withdrawal due to theft of proxy debit or debit card to ask the drop can.

  According to the invention described in claim 5, the usage restriction determination means determines that the total value of the desired settlement amount set by the customer and the accumulated usage amount due to debit transaction within a predetermined period is the usage amount. Since it is provided with a payment processing restriction means for restricting the debit payment processing when it is determined that it is not within the limit amount, the payment processing determined by the use restriction determination means can be reliably restricted by the payment processing restriction means. There is an effect that can be done.

  According to the invention described in claim 6, the biometric information acquisition unit has a function of photographing a face image of a customer who uses the debit card as biometric information, and therefore, based on the face image as biometric information. As a result, it is possible to reliably identify the user.

  According to a seventh aspect of the present invention, the use restriction determination unit controls the information processing center, a game store headquarters that manages a game store in which a debit terminal device is installed, and manages information in the game store. Therefore, when the use restriction determination is performed at the information processing center, the use restriction determination at a plurality of amusement stores can be managed in an integrated manner. When performing use restriction determination, it is possible to manage the use restriction judgment by a plurality of debit terminal devices in an integrated manner, and when performing use restriction judgment at the amusement store headquarters, debit terminals provided in a plurality of amusement stores There is an effect that the use restriction determination by the apparatus can be managed in an integrated manner.

  According to the eighth aspect of the present invention, the information stored in the debit usage information storage means is erased after a predetermined period of time, so that the amount of information to be compared is enormous at the time of determination by the usage restriction determination means. Thus, there is an effect that the waiting time required for determination does not become long.

  Hereinafter, a preferred embodiment of a debit settlement system according to the first embodiment will be described in detail with reference to the accompanying drawings. In Example 1 described below, after describing the outline and features of the debit payment system, the details of the configuration and functions of the debit terminal 300 and the information processing center 600 constituting the debit payment system will be described. A debit payment processing procedure by the debit payment system according to the first embodiment will be described. Finally, various modifications will be described as other embodiments. In addition, this invention is not limited by Example 1, 2 shown below.

(Outline and configuration of debit payment system)
First, the outline and configuration of the debit payment system according to the first embodiment will be briefly described with reference to FIG. That is, as shown in FIG. 1, this debit payment system includes a plurality of pachinko machines 110 and card processing machines centered on an island controller 255 under the control of the terminal controller 400 (T / C) in the pachinko shop 100. 150, a card issuing machine 200, and a card payment machine 201, a debit terminal 300 and an information processing center 600, and a CAFIS network 700 (clearing center 710) connected via a public network 450. ), A debit card issuing bank 800, a member store bank 900, and a ΔΔ bank 950 (amusement store account). A system connected to the debit terminal 300 installed in the pachinko parlor 100 through the information processing center 600 with the CAFIS network 700 as a core is called a debit card system that performs debit payment. .

  That is, as shown in FIG. 1, the debit payment system according to the first embodiment includes a plurality of pachinko machines 110 and card processing machines 150 arranged in parallel for each group called “island”, and a card issuing machine. 200, a recording medium processing apparatus such as a card settlement machine 201 is provided as appropriate. Further, a plurality of debit terminals 300 serving as debit payment processing devices are provided in correspondence with the plurality of card issuing machines 200.

  The terminal controller 400 has a function of performing overall management in the pachinko parlor 100, for example, card management, member management, sales management, and the like, and storing and managing information related to the value of each prepaid card and member card. The terminal controller 400 is connected to a central management computer of the card company center 470 located outside the pachinko parlor 100 by a public line network 460, and manages data in the terminal controller 400 using the central management computer. It can be done.

  The debit terminal 300 and the card issuing machine 200 are communicatively connected to a terminal controller 400 (T / C). Among these, the debit terminal 300 is an information processing center that performs debit payment processing via a public network 450 such as ISDN. 600 is connected for communication.

  The debit terminal 300 is installed adjacent to the card issuing machine 200, is connected to the card issuing machine 200 through a communication path, and has a settlement processing function related to the issuance of a prepaid card in cooperation with the card issuing machine 200. ing. Details of the configuration and functions of the debit terminal 300 will be described later.

  The card issuing machine 200 has a card issuing processing function for issuing a prepaid card. The card issuing machine 200 has an addition processing function for the frequency recorded in association with the membership card when the membership card is accepted. Specifically, the card issuing machine 200 can be used to issue a prepaid card for a valuable value desired by the player and make additional payment to the prepaid card and the membership card.

  In addition, the card issuing machine 200, when using the debit card, when the user presses down (ON) the selection button 240 (FIG. 9), It is possible to issue a prepaid card in which information specifying the issuing store, date, and card is magnetically recorded on the magnetic stripe portion of the card, and the amount of money and the card ID are printed on the card surface.

  One card processing machine 150 is prepared as a pair for each of the plurality of pachinko machines 110 installed in the pachinko parlor 100, and is installed so as to be sandwiched between the pachinko machines 110. The card processing machine 150 has a main function of a pachinko ball lending process whose upper limit is the remaining number associated with a prepaid card or a membership card.

  When the prepaid card is inserted into the card insertion slot into which the prepaid card is inserted, the card processor 150 inquires the terminal controller 400 about the remaining number and also stores the valuable data (remaining data) associated with the prepaid card. Frequency), and a game medium is lent out within the range of the remaining frequency based on a request for lending the game medium to the pachinko machine 110 by the player. A player can play a game with the pachinko machine 110 using the game medium.

  The card settlement machine 201 has a main function of a process of paying back the frequency associated with the prepaid card or the membership card as cash, and several cards are installed in the pachinko parlor 100.

(Configuration of terminal controller)
FIG. 2 is a block diagram showing an internal configuration of the terminal controller 400. The terminal controller 400 includes a RAM 410, a communication I / F unit 420, a CPU 430, a ROM 440, a display unit 446, an input / output unit 447, and a frequency management table DT provided in the RAM 410. The RAM 410 is a part that stores various management information stored in the frequency management table DT. The communication I / F unit 420 has a function of performing communication with the island controller 255. The CPU 430 is a part for realizing the various processes described above based on the program stored in the ROM 440. The display unit 446 has a function of displaying the various management information described above. The input / output unit 447 has a function of performing an operation when an operator makes a setting. The frequency management table DT stores the card identification information and the frequency information in association with each prepaid card type.

  Each frequency information stored in the frequency management table DT is read from the RAM 410 by the CPU 430 whenever there is a read request through the communication I / F unit 420, while there is a subtraction update request or an addition update request. In such a case, the CPU 430 will update as appropriate.

(Details of debit payment system configuration)
The details of the configuration of the debit payment system, which is a feature of the first embodiment, will be described below with reference to FIG. FIG. 3 is a conceptual diagram illustrating a schematic configuration and connection mode of the information processing center 600, the debit terminal 300, and the card issuing machine 200 according to the first embodiment. That is, as shown in FIG. 3, the debit payment system according to the first embodiment includes a card issuing machine 200 that issues a prepaid card, and a debit terminal that acquires card information associated with the debit card when the debit card is accepted. The machine 300 and the information processing center 600 are connected by communication.

  The debit terminal 300 is attached to the card issuing machine 200. The debit terminal 300 includes a display unit 310 for displaying various information such as a transaction amount by debit settlement and input operation guidance, and an operation input for inputting a personal identification number. Unit 330, a card insertion / return port 340 for inserting a debit card such as a cash card, and a receipt issuing port 350 for issuing a receipt by debit settlement. In this example, the debit terminal 300 and the card issuing machine 200 are configured as separate units. However, the card issuing machine 200 may have a function of the debit terminal 300.

  The card issuing machine 200 has five types of selection buttons 240 (for example, 10,000 yen, 5000 yen, 3000 yen, 2000 yen, and 1000 yen) for selecting the issuance amount of the prepaid card, and the issuance amount selected by the selection button 240. A prepaid card issuing slot 220 for discharging and issuing a prepaid card corresponding to the card and a membership card insertion / return slot 210 for inserting a membership card are provided.

  The information processing center 600 is connected to the debit terminal 300 in the pachinko shop 100 through the public line network 450, and has a function of performing debit payment processing based on the card information acquired by the debit terminal 300. It is connected to a CAFIS network 700 including a clearing center 710, a debit card issuing bank 800 having a player account, and a member store bank 900 having an information processing center 600 account.

  Here, the feature of this debit payment system is that a face image of a customer who uses debit payment is photographed by the photographing camera 320, and is photographed by the photographing camera 320 (FIG. 3) when the debit card is inserted for the debit use. The face image is collated with the face image stored in advance in the debit usage information database 376 (FIG. 6), and when both face images match, the use restriction determination unit 372 (FIG. 6) uses the face image. It is determined whether the total value of the customer's desired payment amount and the accumulated amount of debit transactions within a specified period (for example, one day) is within the usage limit amount. If not, a prepaid card for the desired payment amount is issued.

  More specifically, a face image of a customer who inserts a debit card (inserts a debit card into the card insertion / eject port 340) is taken by the photographing camera 320, and is taken every time the debit card is inserted. The face image is compared with the face image stored in advance in the debit usage information database 376, and when both face images match, the usage limit amount of the user set by the usage limit setting unit 374 is set. At the same time, the usage limit determination unit 372 calculates the usage limit amount of the user, the accumulated amount (sum) of the payment amount desired by the customer, and the past debit payment amount within the range of the usage limit amount. It is to determine if there is any.

  In other words, even if the customer owns multiple debit cards, the usage limit amount is determined based on the face image of the customer, not the card information of the debit card. In order to make a determination as to whether or not the usage limit amount has been exceeded, debit payment is not allowed (NG), and therefore, “depression” due to excessive use of the debit card can be reliably prevented.

(Configuration and function of debit terminal 300)
Next, the configuration and functions of the debit terminal 300 provided in the pachinko parlor 100 will be described in detail with reference to FIGS. 4 is a front view showing the appearance of the debit terminal 300 shown in FIG. 3, FIG. 5 is an overall functional block diagram showing the internal configuration of the debit terminal 300, and FIG. FIG. 7 is a block diagram of the face image information database 367, and FIG. 8 is a block diagram of the debit usage information database 376. Hereinafter, the configuration and functions of the debit terminal 300 constituting the debit payment system according to the first embodiment will be described with reference to FIGS.

  As shown in FIG. 4, the debit terminal 300 includes a vertical casing, and includes a main body 301 and a door body 302 that can be opened and closed. The door 302 is locked to the main body 301 of the debit terminal 300 by a lock mechanism 303 in order to close the opening of the main body 301. The lock mechanism 303 can be unlocked by a key owned by a staff member of the pachinko parlor 100, a maintenance staff member of the maintenance center, or the like.

  Hereinafter, each component of the debit terminal 300 will be described. That is, as shown in FIG. 4, the debit terminal 300 includes, in order from the top, a display unit 310, a photographing camera 320 (corresponding to “biological information acquisition unit” in the claims), an operation input unit 330, and a card insertion. / Return port 340 and receipt issue port 350.

  Here, the photographing camera 320 is provided inside the debit terminal 300, and the lens surface of the photographing camera 320 uses the debit terminal 300 through a camera window 321 formed in the door 302. It is attached at a position where the user's face image can be taken from the front. Details of the photographing camera 320 will be described later.

  The display unit 310 has a function of displaying a transaction amount by debit payment (a purchase amount of a prepaid card) and various information for performing guidance of an input operation by a customer, and is configured by a liquid crystal display, for example.

  The operation input unit 330 (external operation input unit shown in FIG. 5) includes various function switches such as a confirmation switch and a cancel switch, and further includes a ten-key switch for inputting a PIN code of a debit card (cash card). It has a function of inputting a user's personal identification number when using the debit terminal 300.

  The card insertion / return slot 340 receives a cash card (debit card) such as a bank card owned by the customer, and performs the desired processing on the taken debit card in the debit card processing unit 341 (FIG. 5). Again, a function as an opening for returning through the card insertion / return port 340 is provided.

  The receipt issuing port 350 is an opening for discharging the receipt printed by the printing unit 351 (FIG. 5) as a usage record for the customer. The receipt issued from the receipt issuing port 350 is printed with a settlement transaction result (settlement OK / settlement NG) by debit settlement, an operation history (operation log) at the time of debit settlement by the customer, and the like.

(Details of internal configuration of debit terminal 300)
Next, the internal configuration of the debit terminal 300 will be described in detail with reference to FIG. That is, as shown in FIG. 5, the debit terminal 300 includes a display unit 310, a photographing camera 320, an image processing unit 325, an external operation input unit 330 (operation input unit), and a debit card processing unit 341. A printing unit 351, a debit control unit 360, and communication I / F units 380 and 385. The external operation input unit 330 (operation input unit), the debit card processing unit 341, and the debit control unit 360 are configured as an integrated control unit.

  The photographing camera 320 is constituted by a CCD (Carge Coupled Device) camera or the like, and has a function of photographing a face image of a customer who makes a debit payment using a debit card. For this reason, the photographing camera 320 is attached in a direction for photographing a face image of a person who performs debit settlement. The photographing camera 320 may be provided with a zoom function for enlarging and photographing a subject. In the first embodiment, the photographing camera 320 is used for determining the use restriction for the user. Since the photographing camera 320 can photograph the surroundings of the debit terminal 300, the debit terminal 300 can be periodically used. It can be used as a security measure by photographing the surroundings or operating when an abnormality is detected.

  The image processing unit 325 has a function of performing image processing of a face image shot by the shooting camera 320 and converting the face image shot as an analog video by the shooting camera 320 into a digital video.

  The debit card processing unit 341 has a function of reading card information magnetically recorded on a debit card (cash card) taken from the card insertion / return port 340 and notifying the read result to the debit control unit 360.

  The printing unit 351 has a function of printing a payment processing result (OK / NG) related to debit payment and contents for confirming withdrawal from an account on a receipt issued from the receipt issuing port 350.

  The debit control unit 360 has a control function for collectively controlling each process in the debit terminal 300, and stores a control program such as an OS (Operating System), a program defining various processing procedures, and necessary data. The processing unit has an internal memory for executing various processes. Details of the internal configuration and functions of the debit control unit 360 will be described later.

  The communication I / F unit 380 has a function of performing communication such as a settlement request notification with the information processing center 600 through the public line network 450. The communication I / F unit 385 can communicate with the communication I / F unit 260 of the card issuing machine 200 (FIG. 9), and various information (prepaid) between the debit terminal 300 and the card issuing machine 200 can be obtained. Card remaining frequency information etc.) are sent and received.

(Details of configuration and function of debit control unit 360)
Next, the configuration and functions of the debit control unit 360 will be described in detail with reference to FIG. FIG. 6 is a functional block diagram showing the internal configuration of the debit control unit 360. That is, as shown in FIG. 6, the debit control unit 360 includes a card information acquisition unit 361, a debit usage determination unit 362, a shooting control unit 363, a face image information acquisition unit 364, and a face image information collation unit 365. , A new face image information registration unit 366, a face image information database 367, and a use restriction control unit 370 are provided. In addition, the usage restriction control unit 370 includes a usage amount calculation unit 371, a usage restriction determination unit 372, a usage restriction condition setting unit 373, a usage restriction setting unit 374, a debit settlement regulation unit 375, and a debit usage information database 376. And.

  When a debit card is inserted from the card insertion / return port 340 (FIG. 5) by a customer who purchases a prepaid card by debit payment, the card information acquisition unit 361 displays the card information recorded on the debit card. The debit card processing unit 341 has a function of reading and acquiring card information (card ID).

  The debit usage determination unit 362 has a function of determining that the use of debit payment by the debit terminal 300 has occurred by the user. Specifically, when the cash card is inserted into the card insertion / return port 340 (FIG. 5) by the user and the card ID of the debit card is acquired by the card information acquisition unit 361, the debit terminal 300 is used. It has a function to judge.

  When the debit usage determination unit 362 determines that the debit terminal 300 is being used by the debit use determination unit 362, the shooting control unit 363 operates the shooting camera 320 and uses the debit terminal 300. It has a function to shoot face images.

  The face image information acquisition unit 364 acquires, as image information, the face image of the customer who makes the debit payment photographed by the photographing camera 320, and associates the obtained face image of the customer with the terminal ID of the debit terminal 300. And a function of storing / storing in the face image information database 367 (FIG. 7).

  The face image information collating unit 365 collates the face image of the customer using the debit card photographed by the photographing camera 320 with the face image stored in the debit utilization information database 376 (FIG. 6), and the two match. A function to determine whether or not to perform is provided. Further, based on the face image acquired by the face image information acquisition unit 364, the user of the face image is a person who uses the debit terminal 300 (a customer who has a past debit payment transaction record using a debit card). ) Or a new user is provided (authenticated).

  The new face image information registration unit 366 has a function of recognizing a user who uses the debit terminal 300 for the first time as a new user and registering the customer in the debit usage information database 376. Specifically, if the person who uses the debit terminal 300 (debit payment by cash card) does not correspond to the card information and face image information stored in the debit usage information database 376, this customer is newly registered. It becomes the target of the person.

  Here, a schematic configuration of the face image information database 367 will be described with reference to FIG. That is, as shown in FIG. 7, the face image information database 367 includes a use date when using debit payment, a face image of the customer photographed by the photographing camera 320, and a terminal ID of the debit terminal 300 used. This is a database in which (terminal number) is stored in association with each other. In the first embodiment, since usage restrictions are set on a daily basis, all data such as face images stored in the face image information database 367 is stored when the pachinko store 100 is opened or after the store is closed. I try to erase it.

  For this reason, the comparison data concerning the collation processing for the number of users using debit settlement does not become enormous. Specifically, when the terminal controller 400 is operated to perform a store opening process before opening a store or a store closing process after closing a store, a data erasure command is transmitted to the debit terminal 300, thereby Information in the image information database 367 is deleted. The data may be erased by operating the debit terminal 300 directly.

  Here, in the face image information database shown in FIG. 7, the face image is represented by an illustration. Actually, however, for example, “XXXX.jpg” is information obtained by converting the face image photographed by the photographing camera 320 into data. "Is stored / stored as face image information.

  Returning to FIG. 6, the use restriction control unit 370 has a function of comprehensively controlling use restrictions by the user. The usage amount calculation unit 371 has a function of calculating an available amount from the usage restriction amount that is restricted for each player.

  The use restriction determination unit 372 has a function of determining whether or not the settlement condition to be implemented is within the use restriction range when accepting the debit card. When using a debit card, sum up the desired payment amount desired by the customer and the accumulated amount of debit payment within a specified period (for example, one day), and whether this total value is within the usage limit A function is provided for determining (whether or not the usage limit is exceeded). Specifically, by comparing the face image registered in the debit usage information database 376 (FIG. 8) with the face image obtained by photographing a person using the debit terminal 300 (debit payment by a cash card), both faces It has a function of determining whether the images match and determining a usage limit.

  The use restriction condition setting unit 373 has a function of selectively setting an identification condition (face image / card ID) for specifying a user related to the use restriction. Here, the identification condition indicates the face image of the customer photographed by the photographing camera 320 or the card ID of the debit card inserted into the debit terminal 300 by the user. It is possible to appropriately set whether to perform the use restriction determination for either one of the identification conditions or both of the identification conditions. More specifically, when the use restriction condition setting unit 373 sets the face image as the identification condition, the use restriction determination is performed on the use amount (the accumulated use amount) associated with the user's face image. On the other hand, when the card ID of the debit card is set as the identification condition by the use restriction condition setting unit 373, the use amount (the accumulated use amount) associated with the card ID of the debit card inserted by the user into the card insertion / return port 340 is obtained. The target use restriction is to be determined.

  The usage restriction setting unit 374 has a function of setting a debit usage amount (for example, useable up to 30000 yen per day) that can be used by an individual customer on the same day.

  Here, in the usage limit amount (for example, 30000 yen) set by the usage limit setting unit 374 according to the first embodiment, the due date is set as one day (current day), but this due date is not one day. Also, even for a certain period (for example, one week), or the usage restriction target is not the usage amount but the usage count (setting of the maximum usage count), and the upper limit of this usage count (for example, up to 5 times per day) The use restriction target may be debit payment use).

  The debit settlement regulation unit 375 has a function of rejecting the settlement process by the customer (prepaid card purchase by debit settlement) by regulation when the use restriction judgment unit 372 determines that the settlement process condition is not within the use restriction range. In this case, guidance indicating that “debit payment is not possible” is displayed on the display unit 310 (FIG. 5) of the debit terminal 300, and “debit payment is not possible” from the receipt issuing port 350. A receipt (non-tradable statement) is issued.

  The debit usage information database 376 is a database that stores a face image of a customer who uses a debit payment photographed by the photographing camera 320 provided in the debit terminal 300 in association with the usage amount and the accumulated usage amount.

(Configuration and function of debit usage information database 376)
Next, the configuration and function of the debit usage information database 376 will be described with reference to FIG. FIG. 8 is a diagram showing the configuration contents of the debit usage information database 376. That is, as shown in the figure, the debit usage information database 376 is associated with the face image of the customer who uses the debit terminal 300, and the desired payment amount desired by the customer and the usage amount due to past debit usage. Is a database that stores Specifically, as shown in FIG. 8, this is a database in which the usage date and the accumulated usage amount are registered in association with the usage date and the face image of the user. The usage amount stored in the debit usage information database 376 is updated each time as a usage accumulation amount. As described above, when this usage amount exceeds the usage limit amount, debit settlement is not possible (NG). It becomes. In this configuration, a card ID column of a debit card (cash card) used by a customer is added. With this debit usage information database 376, usage amount information at the time of debit payment can be reliably managed by a customer who uses debit payment.

  The data stored in the debit usage information database 376 is also erased when the store is opened or after the store is closed. For this reason, because the verification is based on the number of customers using debit payment, the comparison data will not be enormous, reducing the verification time (waiting time when usage is limited) and using it. Customer convenience can be improved. In addition, since the face image in the debit usage information database 376 is information acquired within the business hours of the day of the pachinko parlor 100, the system configuration without taking into account the change in the human phase of the customer over time, etc. Can be simplified.

  Here, in the debit usage information database 376 shown in FIG. 8, the face image is represented by an illustration, but actually, as the information obtained by converting the face image photographed by the photographing camera 320 into data, for example, “XXXX. It is stored / stored as face image information such as “jpg”.

(Details of the configuration and functions of the card issuing machine 200)
Next, an internal configuration of the card issuing machine 200 will be described with reference to FIG. As shown in FIG. 9, the card issuing machine 200 includes a member card insertion / return port 210, a member card processing unit 211, a prepaid card issuing port 220, a prepaid card processing unit 221, a display unit 230, a selection button 240, and an issuance control unit. 250 and communication I / F units 260 and 270.

  The prepaid card issuance port 220 is an opening for discharging the prepaid card issued and processed by the prepaid card processing unit 221. The prepaid card processing unit 221 has a function of appropriately cutting, printing, and data processing roll paper (not shown) loaded in advance and issuing it as a prepaid card, for example.

  The membership card insertion / return slot 210 accepts the membership card, takes the accepted membership card into the membership card processing unit 211, and returns the membership card after the member card processing unit 211 performs a desired process. Is the opening. The member card processing unit 211 has a function of reading member identification information (code) magnetically recorded on the taken-in member card and notifying the issuance control unit 250 of the read result.

  The display unit 230 has a function of displaying various information such as input guidance given from the issuance control unit 250, and is configured by a liquid crystal display, for example. The issuance control unit 250 has a function of controlling each unit based on read information notified from a program given in advance or the member card processing unit 211 or the prepaid card processing unit 221.

  The communication I / F unit 260 is connected to the communication I / F unit 385 of the debit terminal 300 and the communication I / F unit 270 is communicably connected to the island controller 255.

(Debit payment processing procedure in the debit payment system)
Next, with reference to the flowchart of FIG. 10 and the debit usage information database 376 (FIG. 8), a processing procedure of debit payment in the debit payment system according to the first embodiment will be described. The flowchart shown in FIG. 10 shows a debit payment processing procedure executed between the card issuing machine 200 and the debit terminal 300 installed in the pachinko parlor 100 and the information processing center 600. In this flowchart, a case where the usage limit amount set by the usage limit setting unit 374 is 30000 yen per day will be described as an example.

  That is, as shown in the flowchart of FIG. 10, when a debit card (cash card) is first inserted into the card insertion / return port 340 (FIG. 4) of the debit terminal 300 by the user (step S110), the card is inserted. When the debit card information is read and the read card information is stored (step S115), the user's face image is then photographed by the photographing camera 320 (step S120) and photographed by the photographing camera 320. The face image is stored in the face image information database 367 (FIG. 7) (step S130). Note that the face image information acquisition unit 364 (FIG. 6) acquires the face image taken by the customer photographed by the photographing camera 320.

  Hereinafter, a password input request is made to request the user who has inserted the debit card to input the password (step S140). Specifically, for example, guidance such as “Please enter your PIN” is displayed on the display unit 310 (FIG. 5) of the debit terminal 300.

  Here, when the player who has confirmed the input request of the personal identification number is displayed on the display unit 310 and inputs the personal identification number by the ten-key input (input by the operation input unit 330) of the debit terminal 300 (step S150 affirmative), hereinafter, debiting is performed. The terminal 300 transmits a “card issue request notification” of the prepaid card to the card issuer 200 (step S160).

  On the other hand, when the card issuing machine 200 receives the “card issue request notification” transmitted from the debit terminal 300 (step S161), the selection button 240 (FIG. 9) is controlled to be in a lighting state (step S162). When any one of the selection buttons 240 lit by the user is pressed (ON) while the button 240 is lit (step S163), the card issuing machine 200 corresponds to the pressed selection button 240. The payment amount data is notified to the debit terminal 300 (step S164).

  Specifically, among the five types (10,000 yen, 5000 yen, 3000 yen, 2000 yen, 1000 yen) of selection buttons 240 provided in the card issuing machine 200, the purchase desired amount by the selection button 240 selected by the customer is determined. This is the desired payment amount for this debit payment. For example, when the 3000 yen selection button 240 is pressed (ON) by selection by the customer, 3000 yen is transmitted from the card issuing machine 200 to the debit terminal 300 as the desired payment amount information.

  Here, the debit terminal 300 transmits a “card issuance request notification” to the card issuing machine 200 in step S160, and then waits for the “desired payment amount” desired by the customer from the card issuing machine 200. Specifically, if it is determined by the determination in step S170 that the desired payment amount information transmitted from the card issuing machine 200 has been received (step S170 affirmative), then, the photographing camera 320 Then, the process proceeds to a face image determination process for determining the face image of the customer photographed by (Step S180). As described above, this face image determination process uses the face image of the customer photographed in step S120 and the use in which there was a debit settlement transaction during the day stored in advance in the debit use information database 376 (FIG. 8). This is a process of collating with the customer's face image.

  That is, in the next step S190, it is determined whether the face image information photographed in step S120 matches the face image information stored in the debit usage information database 376 (step S190). If it is determined in step S190 that the face image photographed by the photographing camera 230 matches the face image stored in the debit usage information database 376 (step S190 affirmative), the face image is determined. The process proceeds to a use restriction determination process for users who match (step S200). As described above, this use restriction determination process is performed by the use restriction determination unit 372 of the use restriction control unit 370, in which the desired payment amount (desired purchase price of the prepaid card) that the user wishes to debit this time is used. This is a process for determining whether or not it is within the range.

  More specifically, the accumulated usage amount is calculated by summing the desired settlement amount desired (set in this example) by the user in step S200 (3,000 yen in this example) and the usage amount based on the past debit settlement by the user. At the same time, a process is performed to compare whether or not the accumulated usage amount exceeds the usage restriction amount (30000 yen in this example) (cumulative usage amount = desired settlement amount + total past usage amount <use Within the limit). The usage amount is calculated by the usage amount calculation unit 371 (FIG. 6).

  If the accumulated usage amount does not exceed the usage limit amount according to the determination in step S210, the debit payment use by the user is within the usage limit range (Yes in step S210), and the process proceeds to the next debit payment start processing (step S210). Step S220).

  Here, with reference to the debit usage information database 376 shown in FIG. 8, the usage restriction determination processing in step S210 will be described. That is, in the case of the customer A, the accumulated amount of past usage amounts (1 to 3 times) is 25000 yen (10000 yen + 5000 yen + 10000 yen = 25000 yen). When the desired settlement amount is set to 3000 yen at the time of debit settlement, the accumulated usage amount <the usage restriction amount (25000 yen + 3000 yen = 28000 yen <30000 yen), and the usage restriction determination is OK. On the other hand, even if the desired settlement amount this time is 3000 yen, for example, if the accumulated amount of past usage amounts (1 to 3 times) is 28000 yen, the usage accumulation amount> usage restriction amount (28000 yen) +3000 yen = 31000 yen> 30000 yen), and the use restriction determination is NG.

  In other words, if it is determined in step S210 that the use restriction determination is not possible (cumulative use amount> use limit amount) (No in step S210), debit payment is not possible for the current payment desired amount (NG). Is displayed on the display unit 310 (FIG. 4) (step S215), and the debit terminal 300 then sends the information to the card issuing machine 200. Then, a notification that debit settlement cannot be performed is transmitted (step S216).

  Thereafter, the debit terminal 300 discharges the receipt (debit use NG) on which the settlement result is printed from the receipt issuing port 350 (FIG. 4) (step S260), and then debit card from the card insertion / return port 340. Is returned (step S270), and the process is terminated (END).

  On the other hand, the card issuing machine 200 determines whether or not a settlement result has been received in step S251 (step S251), and when receiving a transmission from the debit terminal 300 (Yes in step S251), determines whether the settlement is OK. (Step S252). In this example, since the notification that the debit payment is NG is transmitted in step S216, in this case, the payment is NG (No in step S252), the selection button 240 is turned off (step S254), and the prepaid card is removed. Processing ends without issuing (end).

  On the other hand, if it is determined in step S210 that the usage restriction determination is OK (accumulated usage amount ≦ usage restriction amount) (Yes in step S210), the process proceeds to the next debit settlement start process (step S220). ). This debit payment start processing is performed as a debit payment request, the card ID of the customer's debit card (cash card) to the information processing center 600, the password entered by the user, the terminal number of the debit terminal 300, This is a process of transmitting a prepaid card purchase desired amount (in this example, a settlement desired amount of 3000 yen).

  That is, the debit terminal 300 transmits a debit payment request notification (payment request amount) to the information processing center 600 (step S230). Thereafter, the debit terminal 300 receives the payment result from the information processing center 600. A notification standby state (waiting for receipt of a settlement result) is entered (step S240).

  Meanwhile, when the information processing center 600 receives the payment request notification (payment amount) transmitted from the debit terminal 300 in step S230 (Yes in step S231), the information processing center 600 accesses the clearing center 710, A settlement process including a process of deducting the settlement amount notified by the settlement request from the account corresponding to the card ID of the debit card notified by the present settlement request is performed (step S232). Hereinafter, after the settlement process, the debit settlement process result is transmitted to the debit terminal 300 (step S233).

  Here, the settlement processing in the information processing center 600 can be realized by the following procedure. That is, the information processing center 600 issues a debit card belonging to the CAFIS (Credit and Finance Information System) network 700 on the basis of various information (card information, personal identification number, desired payment amount information) received by the processing in step S231. Request the bank 800 for settlement processing.

  Next, the debit card issuing bank 800 that has received this request deducts the debit amount notified in the settlement request from the account corresponding to the card ID of the cash card notified in the present settlement request, and the debit processing is completed. Then, the processing end notification is sent to the information processing center 600. Further, when the payment process cannot be performed due to a shortage of the balance of the account or a difference in the personal identification number, the information processing center 600 is notified of that.

  In addition, payment processing other than immediate execution is performed after a predetermined period (for example, after 3 business days), and finally the price obtained by subtracting the fee from the usage fee through the payment processing is the merchant. It is transferred to the account of the information processing center 600 of the bank 900. After that, the card company and the pachinko parlor are placed in the account of each amusement store in the bank 950 as a price obtained by subtracting the fee of the information processing center 600 from the price transferred to the account of the information processing center 600 of the member store bank 900. In accordance with the agreement, the payment according to the card usage is transferred. The above is the outline of the debit payment process performed through the information processing center 600. In the case of this example, the debit payment result described above is transmitted from the information processing center 600 to the debit terminal 300 via the public line network 450.

  Returning to the flowchart of FIG. 10, when the debit terminal 300 receives the debit payment result (settlement OK) transmitted from the information processing center 600 by the process of step S233 (Yes in step S240), the debit terminal 300 transmits the payment result to the card issuing machine. 200 (step S245), and by determining whether or not the next settlement result is OK (step S250), if the settlement result is OK (Yes at step S250), the settlement result is sent to the card issuing machine 200. A notification that it is OK is transmitted, and thereafter, the usage accumulated amount is updated by the current debit settlement process (step S255).

  In this usage accumulated amount update process, the debit usage information database 376 (FIG. 8) stores the desired settlement amount (3,000 yen of the usage amount) at the time of the debit settlement this time (in this example, the fourth usage count). This is a process for updating the accumulated usage amount (accumulating the usage amount from 1 to 4 times). Specifically, 3000 yen is stored in the usage amount column of the fourth usage count in the debit usage information database 376 (FIG. 8), the usage amount is updated, and the updated amount is used as a new usage amount (10000). Yen + 5000 Yen + 10000 Yen + 3000 Yen = 28,000 Yen) is stored in the accumulated usage amount column.

  The actual usage amount in the debit payment is a value obtained by adding the usage fee of the debit terminal 300 to the desired payment amount. Therefore, based on the value obtained by adding the desired payment amount and the usage fee at the time of debit payment. The accumulated usage amount is calculated.

  Thereafter, the receipt printed with the settlement result is discharged from the receipt issuing port 350 (FIG. 4) (step S260), and then the cash card is returned from the card insertion / return port 340 (FIG. 4) (step S270). All processing is finished (end).

  On the other hand, the card issuing machine 200 waits after transmitting the payment amount data in step S164 described above to the debit terminal 300, and receives a payment (judgment) result from the debit terminal 300 (Yes in step S251). Then, based on the received settlement result notification, it is determined whether the settlement is OK (step S252). If the settlement result is OK according to the determination in step S252 (Yes in step S252), the card issuing machine 200 determines the prepaid card (in this example) corresponding to the selection button 240 pressed (ON) in step S163. (Card of 3000 yen) is discharged from the prepaid card issuing port 220 and issued (step S253). In this case, when a membership card is inserted into the membership card insertion / return slot 210 (FIG. 9), the valuable value corresponding to the purchase amount can be valued on the membership card. Thereafter, all the selection buttons 240 are controlled to be turned off (step S254), and the process is ended (END).

  If it is determined in step S252 that the payment is not OK (no payment is possible) (No in step S252), the prepaid card is not issued, and all the selection buttons 240 are immediately controlled to be turned off (step S254). Thereafter, similarly to the above, the receipt printed with the result that the settlement result is impossible is discharged from the receipt issuing port 350 (FIG. 4) (step S260), and then the card insertion / return port 370 (FIG. 4). The cash card is returned (step S270), and all processing is terminated (end).

  Here, returning to the processing determination in step S190, the processing procedure when the face images do not match (No in step S190) will be described. That is, if it is determined in step S190 that the face image photographed by the photographing camera 320 is not stored / stored (registered) in the debit usage information database 376 (FIG. 8) (No in step S190), a new image is obtained. The process proceeds to user registration processing (step S196). As described above, this new customer registration process is a process of newly registering a customer who uses debit payment by the debit terminal 300 for the first time. ) Does not correspond to the face image registered in the debit usage information database 376, the user becomes a target of a new registrant.

  More specifically, if a person who uses the debit terminal 300 (debit payment using a debit card) does not correspond to the face image registered (stored) in the debit usage information database 376, the customer newly debits. The person is recognized as a person who uses the settlement, becomes a target of a new registrant, and is registered by the new face image information registration unit 366 (FIG. 6).

  Here, in the case of a newly registered customer this time, there is no setting of the desired amount of payment exceeding the usage limit amount in one operation. Therefore, after this new registration, the usage limit determination process in step S200 is performed. Instead, the process immediately proceeds to a debit payment start process based on the payment request of the user who has newly registered (step S220). Hereinafter, the processing procedure after the debit settlement start processing (step S220 to step S270) is the same as the processing procedure described above, and thus detailed description thereof is omitted.

  As described above, in the debit payment system according to the first embodiment, when a debit card is inserted by the customer, the face image obtained by photographing the user's face and the debit usage information database 376 (FIG. 8) are stored in advance. When the face images match each other and the face images match, the usage restriction determination unit 372 adds the desired amount of payment by the customer and the total amount of debit transactions within a predetermined period. However, if the usage limit is not exceeded, the usage limit is determined to issue a prepaid card for the desired payment amount. Even if you have a card, you will be able to accurately obtain the debit usage results of individual customers because the usage restrictions will apply to face images. This makes it possible to reliably prevent the "sinking" due to the overuse of card use.

  Next, the debit payment system according to the second embodiment will be described in detail with reference to the flowchart of FIG. 11 and the debit usage information database 376a of FIG. The flowchart shown in FIG. 11 is the same as FIG. 10, and the debit payment process in the debit payment system executed between the card issuing machine 200 and the debit terminal 300 installed in the pachinko parlor 100 and the information processing center 600. Another example of the procedure is shown.

  Here, in the above-described first embodiment, at the time of debit payment by the customer, a face image of the user who performs debit payment is shot by the shooting camera 320, and based on the face image of the customer shot by the shooting camera 320. In the second embodiment, the card ID of the debit card possessed by the customer read by the debit card processing unit 341 (FIG. 5) of the debit terminal 300 and the debit use information database are used. 376a (FIG. 12) is characterized in that a determination is made on a face image corresponding to a card ID stored in advance.

  More specifically, first, if the card ID of the debit card used by the customer matches the card ID stored in the debit usage information database 376a, and the card IDs of both match, Next, a face image corresponding to the matched card ID is extracted, and this face image is compared with the face image of the customer photographed by the photographing camera 320 to determine whether or not they match. In this case, if the face images do not match, it is possible to determine that a card already registered as a debit card of a customer who has a track record of debit payment transaction is currently being used by another customer. The settlement is canceled. In the case of the second embodiment, for example, a card by debit payment is provided to a third party who has not reached the use restriction amount or a debit payment transaction is not possible (NG) for a person (user) whose use restriction cannot be determined. It is possible to prevent fraudulent acts such as proxy debit requesting purchases.

  That is, according to the above-described debit settlement processing procedure (Example 1), the usage restriction amount is determined only for the face image of the customer who uses the debit card. For this reason, for example, even if the use restriction determination by the debit card possessed by the user A is NG (the total debit use amount already exceeds the use restriction amount), the user A determines the use restriction determination. When customer B who is OK (the total amount of usage has not reached the usage limit) is lent to a debit card in the name of customer A and requests card purchase by debit payment (proxy debit), Since the use restriction determination is OK for the user B, as a result, it is possible to withdraw from the account of the user A (use restriction does not function as in the case of possessing a plurality of debit cards). For this reason, in the second embodiment, the use restriction determination based on the card information of the debit card inserted by the user is performed together with the person authentication by collating the face image.

  Further, as described above, according to the first embodiment, the usage limit amount is determined only for the face image of the customer using the debit card, and the face image taken by the photographing camera 320 is registered. If not, the customer is registered as a new customer. Since the settlement transaction by the debit card used by the customer is possible, for example, a person (user B) who has not had a debit transaction in the past has stolen the debit card of the customer A, and the customer B When the customer A makes a debit payment with the debit card of the customer A, the customer B is judged as a new player, and therefore it can be withdrawn from the account of the user A (according to the debit card of the customer A). When the usage restriction judgment is OK). Therefore, in the second embodiment, when a new face image (a face image that is not registered in the debit usage information database 376a) is acquired, the usage limit amount is determined based on the card information of the inserted debit card. Do the processing. In this case, the debit card can be prevented from being withdrawn due to theft.

  Hereinafter, the second embodiment will be described with reference to FIGS. 11 and 12. Here, in the flowchart shown in FIG. 11, the main difference between the debit payment processing procedure according to the first embodiment and the debit payment processing procedure according to the second embodiment is that the step S200 is performed after the debit payment amount information is received in step S170. In this flowchart, the processing procedure from step S175 to step S200, which is a characteristic part of the second embodiment, will be mainly described.

  First, the configuration of the debit usage information database 376a will be described with reference to FIG. FIG. 12 is a diagram showing the configuration contents of the debit usage information database 376a, and the card ID column of the debit card (cash card) owned by the customer is added to the configuration of the debit usage information database 376 shown in FIG. This is the configuration. That is, as shown in the figure, the debit usage information database 376a is associated with the face image of the customer who uses the debit terminal 300 and the card ID of the customer's debit card, and the debit desired by the customer. This is a database that stores the usage amount and usage count.

  Specifically, as shown in FIG. 12, the date when the customer uses the debit payment, the face image of the customer taken by the photographing camera 320, and the card of the debit card read at the time of the debit payment. The database stores / stores IDs, usage counts, and usage amounts (cumulative usage amounts). The usage amount stored in the debit usage information database 376a is updated each time as a cumulative usage amount. As described above, when the cumulative usage amount exceeds the usage limit amount, debit settlement is not possible (NG )

  Hereinafter, the debit settlement processing procedure in the second embodiment will be described in detail with reference to FIG. That is, as shown in the flowchart of FIG. 11, when the debit payment amount information is received from the card issuing machine 200 by the determination in step S170 (Yes in step S170), the process proceeds to a card ID determination process for determining a card ID. (Step S175), it is determined whether the card IDs match (Step S176). More specifically, the card ID matching determination by this card ID determination process reads the card ID of the debit card inserted in the debit terminal 300 this time, and debits the card ID corresponding to this card ID in advance. This is a process of collating a plurality of card IDs stored / stored in the usage information database 376a (FIG. 12) and determining whether there is a matching card ID.

  If it is determined in step S176 that there is a matching card ID (Yes in step S176), the process proceeds to the next face image determination process (step S180) to determine whether the face images match. Is performed (step S190). In the face image determination processing in step S190, the face image of the person who performs the current debit payment photographed in step S120 for the card ID of the debit card read in step S175 and the debit usage information database 376a (in advance). This is a process for determining whether or not the face image of the customer stored / stored in FIG. Specifically, if the card ID read by the card ID determination process in step S175 is “Axxx14”, the card ID (“Axxx14”) is stored in the debit usage information database 376a. This is a process of performing a collation determination between the face image stored in association with the face image of the customer who uses the current debit payment (the person who inserted the debit card).

  If it is determined in step S190 that the face images do not match (No in step S190), the debit payment for the current payment desired amount is impossible as in the flowchart of FIG. (For example, “debit payment is not available”) is displayed on the display unit 310 (FIG. 3) (step S215), and then debit payment cannot be performed from the debit terminal 300 to the card issuing machine 200. The debit terminal 300 then discharges the receipt (debit use NG) on which the settlement result is printed from the receipt issuing port 350 (FIG. 4) (step S260). Next, the debit card is returned from the card insertion / return slot 340 (FIG. 4) (step S 70), the processing is terminated (end).

  On the other hand, if it is determined in step S190 that the face images match (Yes in step S190), the process proceeds to a usage restriction determination process (step S200). That is, if it is determined in step S190 that the face images match, in this example, a customer (referred to as “Mr. A”) who owns the debit card corresponding to the card ID “Axxx14”. It can be determined that debit payment is being performed, and in the following, determination processing is performed to determine whether the debit payment amount desired by Mr. A is within the usage limit amount range by the use restriction determination processing in step S200. Since the processing procedure after this use restriction determination processing (step S200 to step S270) is the same as the processing procedure described above, detailed description thereof will be omitted.

  Here, the processing of (Step S176) to (No at Step S190) (card IDs match according to the determination at Step S175) will be specifically described based on the debit usage information database 376a (FIG. 12) and the diagram of FIG. explain. FIG. 13 shows a face image information database 367a that stores / stores a face image of a customer who uses debit payment (referred to as “Mr. B”), a card ID of a debit card used at the time of debit payment, and a desired payment amount. is there.

  That is, for example, when Mr. B who has been requested to debit by Mr. A makes a debit payment using Mr. A's debit card (inserts the debit card into the debit terminal 300), the card ID of the debit card ("Cxxx18") matches (Yes in step S176), but the owner (card of the debit card) stored in the debit usage information database 376a (FIG. 12) by the face image determination process in the next step S180. A collation with the face image of Mr. A who is the owner of the debit card in which the ID “Cxxx18” is stored is performed, and the person who uses the current debit payment (Mr. B) and the card ID ("Cxxx18") and the corresponding person (Mr. A) can be determined to be different (No at step S190), so debit use in this case is refused. (NG) can be.

  In other words, in this case, it can be determined that Mr. B, for example, has made debit payment for the purpose of debiting on behalf of Mr. A. In other words, if the face image corresponding to the card ID of the customer's debit card with a transaction record by debit payment does not match the face image of the customer photographed by the photographing camera 320, proxy debit or third party Can be determined to be using the debit card by impersonating the person.

  In this case, as described above, guidance indicating that the debit usage is NG is displayed by the process of step S215 (for example, “debit payment is rejected”), and then the debit card is discharged and the prepaid card is discharged. Is terminated without issuing (step S270). In this case, when an illegal act such as proxy withdrawal is found, an alarm is notified by turning on / flashing a patrol light etc. provided in the debit terminal 300 from the viewpoint of security (security). May be.

  On the other hand, if it is determined in step S175 that the card IDs do not match (No in step S176), the process proceeds to face image determination processing for determining the next face image (step S190). To determine whether the face images match (step S190). If it is determined in step S190 that the face images match (Yes in step S190), the process proceeds to a use restriction determination process (step S200).

  On the other hand, if it is determined in step S180 that the face images do not match (No in step S190), the customer of the current debit card is registered as a new customer (step S196). As in the first embodiment, the process proceeds to the debit payment start process (step S220). Since the processing procedure after the debit payment start processing (steps S220 to S270) is the same as the processing procedure described above, detailed description thereof is omitted.

As described above, in the debit payment system according to the second embodiment, a face image of a customer who uses debit payment is taken by the shooting camera 320, and the face image and the face image stored in the debit use information database 376a. In addition to collation with the card ID of the debit card, the face image judgment process for the face image extracted by the collation of the card ID is performed. Unauthorized acts such as debit card theft can be prevented.
(Other examples)

  Although the embodiments of the present invention have been described so far, the present invention can be applied to various different embodiments in addition to the above-described embodiments 1 and 2 within the scope of the technical idea described in the claims. Can also be implemented. Below, the various modifications regarding this invention are demonstrated in order.

  That is, in the above-described first and second embodiments, the debit terminal 300 includes the use restriction determination unit 372 (FIG. 6) that performs use restriction determination based on the face image of the customer who performs debit payment. However, the usage restriction determination unit 372 may be configured to be provided other than the debit terminal 300.

  FIG. 14 shows another embodiment of the debit payment system of the present invention. In this example, whether the payment conditions are within the use restriction range in the pachinko chain store headquarters 500 that manages a plurality of pachinko stores 100. The structure provided with the use restriction determination part 372 which determines whether or not is shown.

  That is, as shown in FIG. 14, the pachinko chain store headquarters 500 includes an information processing center 600, a CAFIS network 700 (including a clearing center 710), a debit card issuing bank 800, and a public line network 450. In addition to being connected to a member store bank 900 and a ΔΔ bank 950 (amusement store account), it is connected to a plurality of pachinko stores 100 through a public line network 450a so as to be able to transmit information. As described above, the pachinko chain store headquarter 500 includes the use restriction determination unit 372, and when the use restriction determination unit 372 performs the use restriction determination, the pachinko chain store headquarters 500 are connected to the plurality of pachinko stores 100. The use restriction judgment by the provided debit terminal 300 can be managed in an integrated manner.

  Further, the use restriction determination unit 372 is one of the terminal controller 400 (T / C) provided in the information processing center 600 and the pachinko store 100 in addition to the debit terminal 300 and the pachinko chain store headquarters 500 described above. Can be prepared.

  For example, when the information processing center 600 includes the use restriction determination unit 372 and performs the use restriction determination by the information processing center 600, the use restriction determination in the plurality of pachinko shops 100 can be managed in an integrated manner. Further, for example, when the terminal controller 400 includes the use restriction determination unit 372 and performs the use restriction determination by the terminal controller 400, the use restriction determination by the plurality of debit terminals 300 installed in the pachinko parlor 100 is performed. Can be managed centrally.

  In the above-described first and second embodiments, the photographing camera 320 is used as a means for detecting biometric information of a user who inserts a debit card into the debit terminal 300 (authentication means for specifying a person). As biometric information for acquiring the biometric information of the user, existing biometric information recognition means can be applied in addition to the face image. For example, a fingerprint of a fingertip, a thin film tissue pattern of a pupil, an iris, a voiceprint, a blood vessel pattern on the surface of a retina, a vein pattern of a palm, and the like can be applied.

  As described above, the debit payment system according to the present invention is useful for a debit payment system that has a usage restriction that suppresses “intrusion” caused by excessive use of a card by a player. Suitable for debit payment systems using terminals.

1 is an overall configuration diagram illustrating a debit payment system according to a first embodiment. It is a functional block diagram which shows the whole structure of a terminal controller. It is a conceptual diagram which shows schematic structure and the connection aspect of the information processing center which concerns on Example 1, a debit terminal, and a card issuing machine. FIG. 4 is a front view illustrating an appearance of the debit terminal illustrated in FIG. 3. 1 is an overall functional block diagram illustrating an internal configuration of a debit terminal according to Embodiment 1. FIG. It is a functional block diagram which shows the internal structure of a debit control part. It is a block diagram which shows a face image information database. It is a block diagram which shows a debit utilization information database. It is a functional block diagram which shows the internal structure of a card issuing machine. 6 is a flowchart illustrating a flow of a debit payment processing procedure in the debit payment system according to the first embodiment. 12 is a flowchart illustrating a flow of a debit payment processing procedure in the debit payment system according to the second embodiment. It is a block diagram which shows the debit utilization information database which concerns on the Example 2. FIG. It is a face image information database which shows a user's face image at the time of debit payment, card ID of a debit card, and a payment amount. It is a whole block diagram of the debit payment system at the time of restricting use in a pachinko chain store headquarters.

Explanation of symbols

100 Pachinko shop 110 Pachinko machine 150 Card processing machine 200 Card issuing machine 201 Card settlement machine 210 Member card insertion / return slot 211 Member card processing part 220 Prepaid card issuing part 221 Prepaid card processing part 240 Selection button 250 Issuing control part 255 Island controller 300 Debit terminals 230, 310, 446 Display unit 320 Camera 325 Image processing unit 330 Operation input unit 340 Card insertion / return port 341 Debit card processing unit 350 Receipt issue port 351 Printing unit 360 Debit control unit 361 Card information acquisition unit 362 Debit usage determination unit 363 Shooting control unit 364 Face image information acquisition unit 365 Face image information collation unit 366 New face image information registration unit 367, 367a Face image information database 370 Usage restriction control unit 371 Usage amount calculation Output unit 372 Usage restriction determination unit 373 Usage restriction condition setting unit 374 Usage restriction setting unit 375 Debit settlement regulation unit 376, 376a Debit usage information database 260, 270, 380, 385, 420 Communication I / F unit 400 Terminal controller (T / C)
410 RAM
430 CPU
440 ROM
447 Input / output unit 450, 460 Public line network 470 Card company center 500 Pachinko chain store headquarters 600 Information processing center 700 CAFIS network 710 Clearing center 800 Debit card issuing bank 900 Merchant bank 950 Δ △ Bank DT Frequency management table

Claims (8)

A debit terminal device that receives a debit card and obtains card information of the debit card, an information processing center that performs payment processing based on the card information and a payment amount desired by a customer, and a payment transaction with the information processing center In a debit payment system with financial institutions
The debit terminal device
Usage limit amount storage means for storing a usage limit amount when using debit payment applied to the customer;
Biometric information acquisition means for acquiring biometric information of the user;
Debit usage information storage means for storing the biometric information of the customer in association with the usage amount used by the customer by debit payment;
Based on the biometric information of the user acquired by the biometric information acquisition means and the usage amount stored in the debit usage information storage means, the debit settlement amount used by the customer is within the range of the usage limit amount. A debit settlement system, comprising: a use restriction determination unit that determines whether or not When receiving the debit card, further comprising a use accumulated amount calculating means for calculating a total of a payment desired amount set by the customer and a use amount by a debit transaction within a predetermined period,
The usage restriction determination means includes
It is determined whether or not the biological information acquired by the biological information acquisition means matches the biological information stored in the debit usage information storage means. 2. The debit settlement system according to claim 1, wherein the use restriction is determined for the accumulated use amount calculated by the accumulated amount calculation means.   When the biometric information acquired by the biometric information acquisition means and the biometric information stored in the debit usage information storage means do not match, the user corresponding to the biometric information is authorized as a new user. 3. The debit settlement system according to claim 1 or 2, wherein the desired usage amount by the new customer is newly associated with the biometric information and stored in the debit usage information storage means. The debit usage information storage means further comprises a function of storing the usage amount used by the debit payment in association with the card information acquired from the debit card and the biometric information of the customer,
The usage restriction determination means includes
The card information acquired from the debit card and the card information stored in the debit usage information storage means are determined to match, and the biological information acquired by the biological information acquisition means and stored in the debit usage information storage means If the biometric information associated with the card information is determined to match, and at least one of the biometric information and the card information matches, the usage restriction is based on the biometric information or the usage amount associated with the card information. The debit settlement system according to claim 1, wherein the determination is performed.   When it is determined by the usage restriction determination means that the total amount of the settlement desired amount set by the customer and the usage accumulated amount by debit settlement transaction within a predetermined period is not within the range of the usage restriction amount, The debit payment system according to any one of claims 1 to 4, further comprising payment processing restriction means for restricting debit payment processing.   The debit payment system according to any one of claims 1 to 5, wherein the biometric information acquisition unit has a function of photographing a face image of a user who uses the debit card as biometric information.   The usage restriction determination means is provided in any of the information processing center, a game store headquarters that manages a game store in which a debit terminal device is installed, and a management device that manages information in the game store. The debit payment system according to any one of claims 1 to 6,   8. The debit settlement system according to claim 1, wherein the information stored in the debit usage information storage unit is erased after a predetermined period.

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