JPH08115366A - Credit transaction management system - Google Patents

Abstract

(57) [Summary] [Purpose] To provide a credit transaction management system that can notify interest rate fees to credit card users during transaction processing. [Structure] A terminal device 1 creates transaction data such as transaction amount and authentication data including a card number of a card used for a transaction, and transmits the authentication data to a terminal controller 2. The terminal controller 2 is connected to the CAF via the network.
When the authentication data is sent to IS5 and the transaction result is received as the authentication result from CAFIS5, interest rate management file
Calculates the interest rate fee by the payment method included in the authentication data and transmits it to the terminal device 1. Terminal device 1
Issues a transaction voucher that prints the interest charge on credit.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit transaction management system for managing transactions using a credit card, and particularly, to improve the contents output to a transaction slip when making installment payments using the credit card. Credit transaction management system.

[0002]

2. Description of the Related Art In a store or the like, when processing a transaction by credit, an operator inserts a credit card owned by a customer into a terminal device such as CAT and reads out card data stored in the card. At the same time, transaction data including the transaction amount is input from an input unit such as a keyboard. The terminal device transmits these data to the host device as authentication data via the data transmission line. The upper-level device performs authentication processing such as whether or not the transaction is possible based on the transmitted authentication data, and transmits the authentication result to the terminal device. The terminal device issues a transaction voucher on which the transaction amount and the like are printed when the authentication result indicates that the transaction is possible, and displays the fact on the display unit when the transaction is not possible. The operator processes the transaction based on the authentication result.

[0003]

By the way, when a credit card is used to pay the transaction amount and the transaction amount is divided into installments, revolving payment, bonus lump sum payment, etc., the payment amount that the customer has to pay is the transaction amount. It will be the sum of the amount (including tax added at the time of transaction) and the interest rate fee. However, only the transaction amount is printed on the conventional transaction slip. Therefore, the customer could not know the payment amount at the time of transaction. The customer had to wait for the invoice from the credit card company to know the payment amount.

That is, there is a problem in that the amount of money actually paid to the customer cannot be notified at the time of transaction, and the service to the customer is not good. Also, since the customer is informed of the payment amount for the first time by the bill, the card company often receives inquiries about the payment amount from the customer, and there is a problem of labor and labor cost for processing this inquiry.

Further, for a customer who owns a plurality of credit cards, it is desirable to use the credit card with the lowest interest rate fee when conducting credit transactions at a store, but the interest rate fee is charged for each card company. I couldn't decide which credit card to use for comparison.

An object of the present invention is to provide a credit transaction management system capable of notifying a customer of a payment amount including an interest charge when processing a transaction using a credit card.

Another object of the present invention is to provide a credit transaction management system in which the service to the customer is improved by notifying the interest rate fee according to the payment method before processing the transaction.

Further, the present invention is to provide a credit transaction management system in which the service to the customer is improved by notifying the interest rate fee for each card company before processing the transaction.

[0009]

The present invention relates to a terminal device for inputting transaction data such as a transaction amount and a payment method relating to a credit transaction and an authentication process for the transaction connected to the terminal device via a data transmission line. In the credit transaction management system including a higher-level device to perform, the higher-level device or the terminal device is provided with an interest rate fee calculation means for calculating an interest rate fee of the transaction, and the terminal device is calculated by the interest rate fee calculation means. It is also equipped with an interest rate fee output means for visually outputting the interest rate fee.

Further, the interest rate fee output means is means for printing the contents of the transaction on a transaction slip.

Further, the host device or the terminal device is provided with an interest rate fee management table for managing an interest rate fee for each card company issuing a credit card.

Further, by inquiry data input means for inputting inquiry data including at least the transaction amount, and by payment method for calculating an interest rate fee to be charged when the transaction amount included in the inquiry data is traded by payment method such as the number of divisions. It is characterized in that it is provided with an interest rate fee calculating means and an output means for outputting a list of payment amounts of interest rate fees or transaction amounts and interest rate fees for each payment method.

Further, at least the transaction amount and the number of times of division such as transaction amount payment method for inputting inquiry data for inputting the inquiry data, and the payment method included in the inquiry data for each card company, this transaction amount transaction. Equipped with a payment card company-specific interest rate calculation means for calculating the interest rate fee when performing, and an output means for outputting a list of the payment amount of interest charge or transaction amount and interest charge for each card company Is characterized by.

[0014]

In the credit transaction management system of the present invention, credit transaction authentication data is input to the terminal device. The terminal device transmits this authentication data via the data transmission line. The upper device determines whether or not the transaction is possible based on the transmitted authentication data, and transmits the result to the terminal device. Here, when the transaction is possible, the interest rate fee for this transaction is calculated by the terminal device or the host device, and the calculated interest rate fee is visibly output by the terminal device. Therefore, the customer can know the interest rate fee for this transaction when processing the transaction. Therefore, customer service can be improved.

Further, the terminal device prints the interest fee on the transaction slip.

The interest rate fee management table stores the interest rate fee for each credit card issuing company. That is, even in a credit transaction management system in which credit cards that can be used at the time of transaction are issued by a plurality of card companies, it is possible to inform the customer of the interest rate fee for this transaction at the time of transaction processing.

Further, the inquiry data input means accepts the input of inquiry data including at least the transaction amount, and calculates the interest rate fee for each transaction when the transaction amount included in the accepted inquiry data is traded. Then, the payment amount obtained by adding the interest charge or the transaction amount and the interest charge for each payment method is output as a list. Therefore, it is possible to inform the customer of the interest charge or the amount of payment including the interest charge according to the payment method before the transaction with credit.
Therefore, it is possible to have the customer consider the payment method when making a transaction with reference to the interest rate fee, and improve the service to the customer.

Further, the inquiry data input means accepts the input of inquiry data including at least the transaction amount and the payment method, and calculates the interest rate fee to be applied when the transaction amount included in the accepted inquiry data is traded. Then, the interest rate fee or the payment amount obtained by adding the transaction amount and the interest rate fee is output as a list for each card company. Therefore, it is possible to inform the customer of the interest charge or the amount of payment including the interest charge for each card company before conducting the transaction with credit. Therefore, a customer who owns a plurality of credit cards can decide the credit card to be used when making a transaction by comparing interest rate fees of each card company.

[0019]

FIG. 1 is a diagram showing the configuration of a transaction processing system of this embodiment. In a transaction processing system for collectively processing customer management and credit transactions at the center, a terminal device 1 (1-1 to 1-n) such as CAT is provided at each store, a terminal controller 2 is provided at the center, and a host device 3 is provided. It has and. Each terminal device 1 and the center terminal controller 2
And are connected via a data transmission line so that data communication is possible. The terminal controller 2 is connected to the host device 3 by a data communication line. further,
The terminal controller 2 is connected to the CAFIS 5 which is a shared online credit online system via a network 4 such as a public line network. CAFIS
Reference numeral 5 connects the credit card companies (6-1 to 6-m) and its member stores online to perform credit authentication processing such as checking the credit limit and checking invalid cards.

FIG. 2 is a block diagram showing the configuration of the terminal device. The terminal device 1 includes a CPU 11, a ROM 12, and
RAM 13 and input unit 14 for inputting transaction data
A card processing unit 15 for reading out card data stored in the credit card, a communication unit 16 for transmitting authentication data for credit transaction and receiving the authentication result,
A display unit 17 for displaying input data and the like, and a printer unit 18 for printing and outputting transaction slips and the like are provided. FIG. 3 is a block diagram showing the configuration of the terminal controller. The terminal controller 2 has a CPU 21
A ROM 22, a RAM 23, and an interest rate fee management unit 24 that manages an interest rate fee for each credit card company,
The lower communication unit 25 that communicates with the terminal device 1 and the CAFI
Upper communication unit 26 for communicating with S4 or the host device 3
It has and. The interest rate fee management unit 24 is provided with an interest rate fee file 30 that stores an interest rate record 31 corresponding to an interest rate indicating a payment method of a transaction amount and an interest rate rate for each card company (see FIG. 4). ). For example, if the transaction amount is 10,000 yen using the credit card of the card company A, the interest rate fee for paying this in two times is 10,000 × 0.1 = 1000 yen.
And, if you pay in three installments, the interest fee is 10
It becomes 000 × 0.12 = 1200 yen.

FIG. 5 is a flowchart showing the update processing of the interest rate fee management file. When changing the interest rate, each card company sends the card company identification code for identifying the card company and the changed interest rate record 31 to the terminal controller 2 via the CAFIS 4 and the public line network 3.

When the data is transmitted from the upper side, the terminal controller 2 performs a receiving process of this data (n1) and judges whether the received data is update data of interest rate fee (n2). If it is determined that it is not the update data of the interest rate fee, the processing based on the transmitted data is performed (n4). If it is determined that the data is the update data of the interest rate fee at n2, the interest rate record 31 of the corresponding card company registered in the interest rate management file 30 is updated based on the data received at n1 (n3). Therefore, the terminal controller 2
You can register the interest rate set by your credit card company.

Next, the operation when processing a transaction by credit will be described. FIG. 6 is a flow chart showing the operation of the credit transaction process of the embodiment. When processing a credit transaction, transaction data including the transaction amount and card data of a credit card owned by the customer are input to the terminal device 1 (n11). The operator inputs the transaction data by operating the input unit 14, and the card data is input by inserting a credit card into the card processing unit 15. The terminal device creates authentication data including the input transaction data and card data (n12), and transmits the created authentication data from the communication unit 16 (n1).
3).

The terminal controller 2 performs a receiving process of the data output by the terminal device 1 in the lower communication section 25 (n21), and determines whether this is authentication data (n22). If it is determined in this determination that the data is not authentication data, processing based on the received data is performed (n2
8). By the way, when it is determined in n22 that it is the authentication data, the received authentication data is transmitted from the upper communication unit 26 to the CAFIS 5 via the network 4 (n2
3). In CAFIS5, this authentication data is transmitted to the corresponding card company, and the card company performs a negative check, a credit balance check, etc. on the used credit card to determine whether or not the transaction is possible. This judgment result is CAF
It is transmitted to the terminal controller 2 via the IS4 and the public line network 3.

Upon receiving the authentication result (n24), the terminal controller 2 reads out whether or not the transaction is possible (n2).
5) If the transaction is not possible, that effect is transmitted to the terminal device 1 as an authentication result (n27). If the authentication result is a transaction, the interest rate fee is calculated (n26). To calculate the interest rate fee, the interest rate record 31 of the corresponding card company in the interest rate fee management file 30 is searched and the interest rate of the corresponding payment method is read. Then, the terminal controller 2 multiplies the transaction amount and the read interest rate, and the result is an interest fee. Then, the terminal controller 2 transmits the calculated interest rate fee together with the authentication result (transaction is possible) to the terminal device 1 (n27).
That is, when the authentication result indicates that the transaction is acceptable, the terminal controller 2 charges the interest rate fee together with the authentication result.
If the transaction is not possible for transaction, only the authentication result is transmitted to the terminal device 1.

When the terminal device 1 receives the authentication result (n
14) It is determined whether the transaction is possible (n15), and if the transaction is not possible, the fact is displayed on the display unit 17 to inform the operator (n17). If the authentication result indicates that the transaction is possible, the terminal device 1 issues a slip in which the transaction content is printed (n16). On this slip, the transaction content and the interest rate fee calculated by the terminal controller 2 and the payment amount obtained by adding the interest rate fee to the transaction amount are printed (see FIG. 7). Therefore, the customer can be informed of the interest rate fee and the amount to be paid at the time of transaction, and the service to the customer can be improved. Further, by notifying the interest rate fee at the time of transaction, the card company can reduce the number of inquiries about the interest rate fee from the customer, and can solve the problem of labor and labor cost for dealing with this.

In addition, the credit transaction management system of this embodiment can also provide a service in which the user can be notified of the payment amount including the interest charge according to the payment method by simply inputting the transaction amount. By providing this service, the customer can consider the payment method of the transaction amount while referring to the interest rate fee, for example, when he / she intends to purchase a product of 30,000 yen by credit in a store. The process of providing this service will be described with reference to FIG.

The customer notifies the operator that he / she wants to inquire about the payment amount including the transaction amount plus the interest fee, and also notifies the transaction amount and the name of the card company that issues the credit card used at the time of the transaction. . The operator operates the input unit 14 of the terminal device 1 to input the transaction amount and the company identification code for identifying the card company as inquiry data (n31). The terminal device 1 receives the input inquiry data from the terminal controller 2
(N32).

The terminal controller 2 is a terminal device 1.
The lower communication unit 25 receives the data transmitted from (n41) and determines whether this is inquiry data (n42). If it is determined that the data is not inquiry data, processing based on the transmitted data is performed (n45). Further, when it is determined that the inquiry data is n42, unlike the case of the authentication process described above, this inquiry data is not transmitted to CAFIS4, and the interest rate of the card company identified by the company identification code included in this inquiry data is not transmitted. The record 31 is searched and the interest rate fee is calculated for each payment method (n43).
Then, the interest rate fee calculated for each payment method is transmitted to the terminal device 1 as the inquiry result (n44).

Upon receiving the inquiry result, the terminal device 1 prints and outputs the inquiry result (n34). FIG. 9 shows an example of this printing. Therefore, the customer can consider how to pay the transaction amount when making a transaction from the payment amount printed according to the payment method. Therefore, customer service can be improved in the store. In addition, in this example, the payment amount including the transaction amount and the interest fee according to the payment method is printed, but the interest fee may be printed according to the payment method, or the transaction amount and the interest fee are added. Both the payment amount and the interest fee may be printed. Further, although the company identification code for identifying the card company is input from the input unit 14, the credit card owned by the customer may be inserted into the card processing unit 15 to cause the terminal device 1 to identify the card company. .

In the above example, the specified card company calculates the interest rate fee for each payment method and notifies the customer, but the customer is notified of the payment method instead of the card company, and the notification is made for each card company. You may make it output the interest rate fee by the payment method. The inquiry result in this case is shown in FIG. By doing this,
Customers with multiple credit cards can be notified of the card company with the lowest interest rate fee when making a transaction. That is, the customer can purchase the product etc. by using the credit card of the card company with the smallest interest rate fee even if the payment method is the same. Therefore, the service to the customer can be improved.

In the above embodiment, the so-called wide area credit transaction management system in which the credit authentication process is performed by using CAFIS 5 has been described, but the credit card system can be used within a limited range such as a shopping center. In the case of (so-called house credit), the host device 3 only performs transaction authentication processing. That is, the difference from the above-described example is that the terminal controller 2 does not send the authentication data to the CAFIS 5 but to the host device 3, and the host device 3 performs the transaction authentication process. That is, the present invention is not limited to house credits or wide area credits, and can be applied to all credit transaction management systems that manage credit transactions. In addition, if it is a house credit, the current debt amount for all issued credit cards is calculated by the host device 3
It is managed by. Therefore, even if the payment method is revolving payment in which a predetermined amount is paid every predetermined period, the interest fee can be calculated and notified to the customer. Since the revolving payment pays the debt by a predetermined amount for each predetermined period as described above, the interest rate fee cannot be calculated if the current debt amount is unknown. By the way, in wide area credit transaction management system, to notify the current debt amount of the customer to the store,
Not done because it concerns personal privacy. However, in the case of house credit, since the current debt amount is managed by the host device 3, the interest rate fee can be calculated even with the revolving payment. Although the inquiry result is printed and output in the above example, it may be displayed on the display unit 17.

In the above embodiment, the interest fee management file 30 is stored in the terminal controller 2, but it may be stored in the terminal device 1. In this case, the data communication between the terminal device 1 and the terminal controller 2 becomes unnecessary when performing the inquiry processing of the interest rate fee. Therefore, the processing time can be shortened.

[0034]

As described above, according to the present invention, it is possible to inform the customer of the interest rate fee at the time of transaction processing with credit. Therefore, the service to the customer can be improved. Further, since the customer is notified of the interest rate fee at the time of transaction processing, inquiries regarding the interest rate fee from the customer are reduced in the card company and the like, and it is possible to solve the problem of labor and labor cost necessary for dealing with this.

Further, since the interest rate fee is printed on the transaction voucher, a notification error such as the operator forgetting to give the printed sheet on which the interest rate fee is printed to the customer is reduced.

Since the interest rate fee is managed for each card company, even if the credit transaction management system in which the credit cards that can be used at the time of transaction are issued by a plurality of card companies, this transaction is performed at the time of transaction processing. The customer can be informed of the interest charge for the.

Before trading with credit,
It is possible to inform the customer of the interest rate fee or the amount of payment including the interest rate fee according to the payment method, and to have the customer consider the payment method at the time of conducting a transaction while referring to the interest rate fee. That is, the service to the customer can be improved.

Further, before making a transaction by credit, the customer can be informed of the interest fee or the amount of payment including the interest fee for each card company, which is most effective when making a transaction to a customer who has a plurality of credit cards. You can select a card company with low interest rate fees. That is, the service to the customer can be improved.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of a credit transaction management system that is an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of a terminal device of the embodiment.

FIG. 3 is a block diagram showing a configuration of a terminal controller of the embodiment.

FIG. 4 is a diagram showing a structure of an interest rate fee management file of the embodiment.

FIG. 5 is a diagram showing an update process of an interest rate fee management file of the embodiment.

FIG. 6 is a diagram showing a credit transaction process of the embodiment.

FIG. 7 is a diagram showing an example of printing on a transaction slip issued in the same embodiment.

FIG. 8 is a diagram showing an inquiry process of the embodiment.

FIG. 9 is a diagram showing a print example of an inquiry result for each payment method according to the embodiment.

FIG. 10 is a diagram showing a print example of an inquiry result for each card company in the embodiment.

[Explanation of symbols]

 1-Terminal device 2-Terminal controller 3-Host device 5-CAFIS 17-Display unit 18-Printer unit 24-Interest rate fee management unit 30-Interest rate management file 31-Interest rate record

Claims (5)

[Claims] 1. A terminal device for inputting transaction data such as a transaction amount and a payment method relating to a credit transaction, and a host device which is connected to the terminal device via a data transmission line and performs an authentication process of the transaction. In the credit transaction management system, the host device or the terminal device is provided with an interest rate fee calculating means for calculating an interest rate fee of the transaction, and the interest rate visually outputting the interest rate fee calculated by the interest rate fee calculating means to the terminal device. A credit transaction management system characterized by having a fee output means. 2. The credit transaction management system according to claim 1, wherein the interest rate fee output means is means for printing the content of the transaction on a transaction slip. 3. The credit transaction management system, wherein the host device or the terminal device is provided with an interest rate fee management table for managing an interest rate fee for each credit card issuing card company. 4. An inquiry data input device for inputting inquiry data including at least a transaction amount, and a payment method for calculating an interest rate fee when a transaction amount included in the inquiry data is traded according to a payment method such as the number of divisions. A credit transaction management system comprising: an interest rate fee calculation means; and an output means for outputting a list of payment amounts obtained by adding an interest rate fee or a transaction amount and an interest rate fee for each payment method. 5. A transaction data input means for inputting inquiry data including at least a transaction amount and a payment method of the transaction amount such as the number of divisions, and a transaction of this transaction amount by each payment method included in the inquiry data for each card company. Equipped with a payment card company-specific interest rate calculation means for calculating the interest rate fee when performing, and an output means for outputting a list of the payment amount of interest charge or transaction amount and interest charge for each card company A credit transaction management system characterized by.