JPH045228B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Technical Field The present invention relates to a credit transaction processing device that performs credit transactions using a card (credit card, cash card, etc.) having a magnetic stripe or the like on which data is recorded.

(b) Prior art and its drawbacks> With the spread of credit cards, cash cards, etc., retail stores where credit transaction processing devices are installed;
Generally, specialty stores and the like are members of multiple card issuers. Further, some card issuers allocate multiple company codes to their own companies, provide cards they issue with multiple data recording surfaces, and record individual company codes on each data recording surface. The most typical case is that a data recording surface containing a company code used domestically is formed on the front of the card, and a data recording surface containing an internationally used company code is formed on the back of the card. An example is shown in which magnetic stripes 2 and 3, which are data recording surfaces, are formed on both the front and back surfaces of the card shown in FIG. In the figure, 4 is an emboss forming part.

By the way, when a card is accepted by a card reader, a credit transaction processing device installed at a member store selects one of the data recording surfaces and prints the data on that data recording surface. However, since conventional credit transaction processing devices were configured to only read data from the data recording surface formed at a specific position on the card, depending on the type of card, There were times when the equipment could not be used. For example, if the card shown in Figure 1 is used, which has a magnetic stripe 2 with a domestic company code recorded on the front side and a magnetic stripe 3 with an international company code recorded on the back side, credit transactions If the processing device is configured so that it can only read recorded data, the credit transaction processing device will not be able to be used by card issuers that require data that includes international company codes; Credit card issuers that require data including the company code for credit cards cannot use credit transaction processing devices that can only read the data recorded on the back side of the card. Transaction processing devices have the disadvantage that the types of cards that can be used are limited.

(c) Purpose of the Invention The purpose of the present invention is, when a card with multiple data recording surfaces is accepted, to read out all the recorded data and extract the data needed by the issuing company of the card used from among the data. To provide a credit transaction processing device which can automatically select a card and transmit it to the center of the card issuing company, and which does not limit the types of cards that can be used.

(d) Structure and effect of the invention In summary, this invention uses a device that reads recorded data on all data recording surfaces of accepted cards as a card reader, and further uses a company code used at the member store for other transactions. A card issuer data storage means for storing each card issuer along with conditions, etc. is provided, and when a card is accepted by the card reader, a company code corresponding to the issuer of the card used is stored from the card issuer data storage means. The recorded data on the data recording surface on which the company code is read and recorded is selected from the recorded data read by the card reader, and the selected data is transmitted to the center as card data. That is,
All card issuers that mutually operate have registered (recorded) the company code required for transaction processing at their member stores in advance, and when a card is accepted by a card reader, the company code corresponding to that card issuer is registered (recorded) in advance. A data recording surface containing a registered company code is selected, and the data on that data recording surface is transmitted to the center as card data.

According to the present invention, when a card having multiple data recording surfaces is accepted, all the recorded data is read by the card reader, and from the recorded data, the company code stored in advance in the card issuer data recording means is used. Since the data recorded on the data recording side containing the It is possible to select the recorded data required by a company and send it to the center of the card issuing company. This prevents the situation where certain types of cards cannot be used, making it possible to use all types of cards from mutually affiliated card issuers, and allowing the center to When changing the required company code, it is only necessary to change the company code stored in the card issuer data recording means accordingly, which has the advantage of being able to easily respond to changes in the system.

(e) Embodiment FIG. 2 is a block diagram of a control section of a credit transaction processing apparatus according to an embodiment of the present invention, and FIG. 3 is a diagram showing the key arrangement of the keyboard 4 of the control section.

In FIG. 1, the CPU 1 includes a keyboard 4, which will be described later, a card reader 5, which reads transaction data including a company code recorded on the magnetic stripe of a credit card, a PIN pad 6, which is used to remotely enter a PIN number, A display device 2 that displays messages necessary for transaction processing, transaction amount, etc., a printer 3 that issues a journal printout of transaction details after the transaction is completed, are connected as I/O devices, and a ROM and a card that store programs are connected. Configures a card issuer data storage means that stores company codes, transaction conditions, etc. for each issuer company.
A memory 7 including RAM, a transmission unit 8 for transmitting data to and from a center (not shown), and a clock mechanism 9 for managing time are connected.

As shown in FIG. 2, the keyboard 4 has a set key 2 that is operated when setting numeric data.
a. End/execution key 2b to be operated when inputting the transaction amount etc.; batch transmission key 2c to be operated to collectively transmit transaction data temporarily stored in the transaction data temporary storage means; numeric keypad 2d; payment classification It consists of a payment category key 2e that specifies the payment type, and a business key 2f that specifies the business content.

The card reader 5 is equipped with two reading heads, each located at a position opposite to each of the magnetic stripes 2 and 3, so that the data recorded on both the magnetic stripes 2 and 3 of the card shown in FIG. 1 can be read simultaneously. will be placed in

FIG. 4 is a diagram showing the configuration of the main parts of the RAM. In the figure, 70 is a company code table for a franchiser (a company that owns a chain), and 71 is a company code table for a franchisee (affiliated company) or Brothers Company. Card issuers that mutually operate often have a franchisee structure or a brothers company structure. Izzy or Brothers Company company code table 71. The franchisor's company code table 70 has card issuer data storage areas M1 to Mn. Each card company data storage area has an area ID1 that stores an identification code,
Consists of an entry company code area M1 where the franchisor (card issuer) to which area M1 is assigned stores the company code used at its member stores, and an area N2 where transaction conditions such as center telephone number and interest rate are stored. has been done.
Further, the company code table 71 for franchisees and brothers companies includes an area ID2 for storing identification codes, and an area for storing company codes used by franchisees and companies (FC) and brothers companies (BC) at their member stores.
It consists of BC entry company code storage area NN. Area of company code table 71
The identification code stored in ID2 is for matching with the card issuing company data stored in the company code table 70. for example,
A table 71 in which an identification code equal to the identification code stored in area ID1 in area M1 is stored in area ID2 is subordinate to the card issuer data of area M1. That is, franchisees or brothers companies with the same identification code conduct transactions according to the franchiser's transaction conditions (stored in area N2). By linking the franchisor and the franchisee or brothers company using the identification code in this way, information about the franchisee or brothers company only needs to be the company code, and a storage area for storing transaction terms is required. You can save money.

FIGS. 5A and 5B show examples of the formats of the front side recorded data and the back side recorded data of the card shown in FIG. 1, respectively. In Figure A, the 1-character start code 10, end code 13, and check character 14 are used for the data transmission sequence between centers, and the 4-character PIN number 11 is used when inputting a PIN number is a transaction condition. be done. The company code 12, which also has four characters, is used to identify the issuing company of the card, and in this embodiment constitutes a company code used for domestic use. In addition, in FIG. B, the start code 20, end code 23 and check character 24 of one character are used in the data transmission sequence between centers in the same way as above, and the company code 21 is the same as the company code 12 mentioned above. This is used to identify the issuing company, and in this embodiment, it constitutes an international company code. Further, the membership number 22 is the membership number of the card owner.

Next, the operation of the credit transaction processing device will be explained with reference to FIG. The figure reads the data recorded on the magnetic stripe of the accepted card.
It is a flowchart showing the operation up to transmitting card data to the center.

First, step n1 (hereinafter, step ni is simply
It's called ni. ), the card reader 5 reads out all the data recorded on the card 1, that is, all the data recorded on the magnetic stripes 2 and 3. This read data is temporarily stored in the buffer of the memory 7. Next, it is checked whether or not the surface data, that is, the data recorded on the magnetic stripe 2, out of the read data has been read normally (n2), and if so, the process advances to n3. In n3, the company code included in the data recorded on the surface, that is, the company code 12 in the data format shown in FIG. 5A, is either the franchisor's company code table 70 or the FC/BC company code table 71. Determine whether it is stored (registered) in the table. If it is stored (registered), the recorded data on its surface (recorded data recorded on magnetic stripe 2)
is sent to the center of the card issuing company corresponding to the company code (n4).

On the other hand, if the recorded data on the front side cannot be read normally in n2 above, or if the company code included in the recorded data on the front side is not found in the table in n3 above, proceed to n5 and read the data recorded on the back side, that is, the magnetic stripe. It is determined whether the data recorded in 3 has been read normally. n2,
If both the front and back data cannot be read correctly in n5, read n1 again.
The process returns to step 5 and drives the card reader 5 to perform re-reading. If the recorded data on the back side can be read normally, proceed to n6, and here, as in n3 above, the company code included in the recorded data on the back side is the company code in the data format shown in Figure 5B. 21 is stored (registered) in table 70 or table 71. Then, if it is not stored (registered), the process returns to n1.
If it is stored (registered), the recorded data on the back side, that is, the data recorded on the magnetic stripe surface 3, is sent as is to the center of the card issuing company corresponding to that company code (n
7).

Through the above operations, when a card with magnetic stripes on the front and back sides is inserted into a card reader, the data recorded on either magnetic stripe, which is necessary for a transaction, is sent to the center as card data. be able to.

[Brief explanation of drawings]

FIGS. 1A and 1B show an example of a card used in the credit transaction processing device of the present invention, and FIG.
B in the figure is the back side. FIG. 2 is a block diagram of a control section of a credit transaction processing device which is an embodiment of the present invention.
Figure 3 is a diagram showing the layout of the keyboard, Figure 4 is a diagram showing the main part of the memory, and Figures 5A and B are diagrams showing an example of the format of data recorded on the front and back sides of the card shown in Figure 1. , FIG. 6 is a flowchart showing the main part of the operation of the credit transaction processing device. 1... Card, 2, 3... Magnetic stripe surface (data recording surface), 70... Franchisee's company code table, 71... Franchisee company code table or Brothers Company, M1 to Mn... Card Publisher data storage area.

Claims (1)

[Claims] 1. Installed at member stores of multiple card issuers,
A credit transaction processing device that performs credit transaction processing using a card, which is a card issued by a card issuing company with multiple types of company codes, and has multiple data recording surfaces, and each data recording surface has one of the plurality of types of company codes. A card reader that accepts a card with a company code recorded together with other data and reads all recorded data on each data recording surface, and a card reader that reads all recorded data on each data recording surface, and a card reader that reads all the recorded data on each data recording side. A card issuer data recording means for storing each card issuer; and determining whether a company code corresponding to the issuer of a used card is stored in the card issuer data storage means; A credit transaction processing device comprising means for transmitting recorded data on a data recording surface on which a company code is recorded to a center as card data.