JPS6084665A - Credit transaction processor using card - Google Patents

Abstract

PURPOSE:To facilitate the cancellation of a transaction and the return of an article by storing transaction data and its transaction identification code in a transaction file, and printing out the transaction data and its identification code on a slit through a printer. CONSTITUTION:A control center is equipped with a controller 20 including a CPU, which performs the storage of transaction data, cancellation, article return processing, etc., and also make a communication with a card certifying machine through a transmission control part 23. The transaction data and its identification code are both stored in the transaction file 22. Those transaction data and identification code are printed out on a slit through the printer of the card certifying machine.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a credit transaction processing device using a card including a card authentication screen installed in a credit card transaction member store.

In recent years, in order to streamline credit transactions using credit cards, card authentication machines have been installed at each credit card transaction member store, and each card authentication machine is connected to the credit card company's control center via a telephone line. - A credit transaction processing device using a card has been proposed that transmits transaction data of credit transactions using a card from a card recognition machine to a control center and records it in a transaction file of the control center.

In addition to the card reader section that reads recorded data on credit cards, the card authentication machine has keys for specifying transaction types such as sales, credit, inquiries, cancellations, and returns, keys for specifying payment methods, product classification, and transaction amount. Numerical keys and other function keys are provided for inputting items such as numeric keys and other function keys. I was at J5 for a credit transaction using a credit card, and the clerk handed the customer's NoriCredit card to Cera 1, and it was 1-1! After specifying the transaction type using M+'l', proceed with the specified series of operations using the +4F keys ('+') to proceed with the transaction process.

For this reason, enter the card data in Transaction Cancellation and Return Processing 4/Rirudosa, and use the above keys to cancel and = to specify the transaction type of return. Mechanical operating procedures are required, such as inputting the slip number, entering the product category (code), inputting the amount, tax, farewell, etc., and the handling category 21-de person without indicating the payment method category. There is a problem that it lacks simplicity.

Summary of the Invention The present invention provides a transaction processing system for IC4G using a card that can cancel transactions and return goods in one flight.

This invention verifies the cart using car i-data,
In the credit transaction processing device that stores the card data and input transaction data in a transaction file, the transaction identification code of the transaction is stored in the transaction file along with the transaction data, and the transaction identification code is sent to the printer 1 along with the transaction data. is printed on the slip.

In normal transaction processing, the unique transaction identification code is recorded in the transaction file along with the transaction data, and is also printed on the slip. Therefore, when canceling or returning a transaction, the key person must confirm the transaction and the credit card at the bar, and if the key person uses the transaction identification code printed on the slip, it will be determined whether the transaction should be canceled or returned. The transaction is identified and it is possible to search for corresponding transaction data in the transaction file based on the transaction identification code 1-. It is possible to complete the processing of cancellations, returns, etc. by deleting the transaction data in the transaction information. Therefore, as mentioned above, there is no need to repeat the same manual key operations as in normal transaction operations, and the operations are just P and 11.

Explanation of Examples Figure 1 shows a card transaction member store (card to be issued) ii
It shows Aircraft E. Card iiX i, iF1 generation (-
1) is displayed on the top of the device 1<3), keyboard (4)
, a card scanning groove (Ey) aj J, and a slip ejection opening (2). Credits 1-・Inserting and sliding the card (5), there is a card reader (
A sleeping head (Fig. 3 (17)) is installed,
As a result, the magnetically recorded card data such as the credit card, membership number, password, and expiration date are read.

On the keyboard (4), as shown in Figure 2,
Business key (7) for specifying the type of transaction such as sales, credit, inquiry, cancellation, return, etc., numeric key (9) for entering numbers, amounts, etc. manually, lump sum payment, bonus payment, etc. In addition to the payment key (8>) for specifying the payment method (payment category) for installment payments, etc., various function keys such as the execution/end key <10> and the seller 1 key (11) are provided. .

A passenger operation unit (6) equipped with a numeric display and numeric keys is connected to this car 1-authentication device (1). This is for cart users to enter their PIN number.

FIG. 3 shows the circuit configuration of the card authentication machine (1).

The control including the CPU 1!4teY (-l 2 > cannot be stored in the memory (13). At the same time, it executes the reading and outputs the information between the terminal and the control center. controls each input/output operation of the transmission control unit (14) that sends and receives fPi information.The transaction node provided in the memory (13)
An example of RI-1-RI-I is shown in FIG. Negative'r
/Figure 1〈△) shows the transaction failure that occurs in J3 in the normal registration process, and Figure 4 <8) shows the IIW failure that occurs in J3 in the transaction return process.
”-Each shows the evening.

FIG. 5 shows an example of a control device (20) containing a control unit (1-Lenz's (II5). The storage of transaction data, cancellation, return processing, etc. are carried out through the transmission control unit (23), and the card authentication machine (1
) will be communicated with.

Connected to the control device (20) is a memory (21) for storing its programs and temporary data and a transaction file (22) for storing all transaction data. An example of such transaction data is shown in FIG.

Figure 17 shows the normal 0
This shows an overview of the recording processing (sales transaction processing) procedure. First, a message will appear on the display (3) asking you to press the business key (7) and enter the transaction type.
1)), the clerk enters this transaction using the sales key of the business keys (7) (step <32)). The input transaction fee is stored in the memory (13) at t1 (ri)4
(See Figure 4 △)). Continuing (the confirmation of the pressed business key and the instruction to create a credit card) (Suit Tsubu (33)), the staff member or customer inserts the credit card. jF Examination 1IIS (5)
-CA=-r (step (34)). The manual reading of the card (17) and also stored in the computer (13) By (step (3)), use゛? 5'(,,
Use the key on the operation panel (6) of 1-zo-("i'i id
Enter number 1 (step ゛<36). "Rirudo, the dark h1 number in the card data was made by human power."
t'j ;: I1 number inclusion is compared, and if they match (, L person C is confirmed to exist, proceed to the next step. both 118i1]) If the numbers do not match (Jri1nojitsu1 Transactions cannot be made.It is not possible to make the user enter the PIN again if necessary.It is also preferable to display whether the PIN is OK or NG on the display (3).

Next, there is a message that says to enter the product category manually (step (37)), so the staff member uses the numeric keys (9) to enter the code for the product category manually (step (38)).
-Press the key (step (39)). In the same way, enter the transaction amount, tax, and farewell using the numerical keys (9>) (from step (40) to (45)), and enter the payment classification using the payment key (8>) (or enter the payment category using the number 11). Input of payment category code 1~ using own key (9)) (Steps (4G)~(4)
8)) is carried out. These V-manpower data are stored in memory (13).

Then, when the execution key (10) is pressed, the step (49) is pressed.
') ('50)), the ID code for identifying the transaction is set.

The ID code is, for example, a 165-digit sequential number that increases with each transaction. Even if the clerk enters the information using the key, there is a counter in the card authentication machine (1) that is incremented by 1 for each transaction processed.
Note Jj may be determined by the output of the counter. A large number of card authentication machines (1) are connected to the printer (
Terminal number 1) to distinguish between authentication devices.
It is necessary to include it in the D code. I) (,1, Yes.) At the control center, make the !D=1- code appear and send this code to the car 64611. In any case, if the ID code is determined on the b-card authentication machine (1) side, the ID code is stored in the transaction data area of the memory (13).The slip number is also set.

Once all the transaction data is in place, the control center will be automatically dialed and once the line is connected (
Step (52)), the transaction data (FIG. 4 (Δ)) set in the memory (13) is transmitted to the center (step (53)).

The processing shown in FIG. 9 is performed in the hinter.

When transaction data is received from the card authentication machine (1) (step (81)), it is determined whether the credit company code in the transaction data is a predetermined one (step (81)).
82>). If so, then it is determined from the data regarding the transaction type whether the transaction is a cancellation, return, or other normal registration (step <83)).

In the case of a normal transaction, the required part of the transmitted transaction data is shown in Figure 6.
22) (step (84)). 1 in the transaction file (22). L, data that identifies the customer (membership amount + 1 bow, etc.), data that identifies the transaction (ID code) J3
J. Data indicating the details of the transaction is stored. This may be done for each member number, or for each credit card store, or for each transaction amount.

In any case, after the transaction is registered, the completion of the transaction and the transaction data are sent to the corresponding card authentication machine (1) (Sudet/'(ε35)). An ID code is created at the center. If so, in this step (85) a 11)-code will be sent to the authenticator (1).

Unless the company code in the transaction data transmitted from the card authentication machine (1) is not the corresponding b, the transaction will not be registered and a message to that effect will be sent to the authentication machine (1). step (86)).

The center will also check whether the membership number in the transaction data is valid or invalid, and whether the transaction amount exceeds the reserve limit. If it is determined in this type of check that the transaction is not possible, a message to that effect is sent to the card authentication machine.

In FIG. 7, when the card authentication machine (1) receives a message from the control center (step (54))
, if the transaction registration has been completed, the registered transaction data is displayed on the display (3) (step (55)
). The transaction data is also printed on the slip by the printer (16) (step (56)). The set ID code is also printed on the slip. There are only a few slips (two slips are created, one of which is handed over to the customer, and the other is kept as a copy at the store.If you receive a telegram stating that the transaction is not possible, a message to that effect will be displayed on the display (3). ) is printed on the slip at and b.

Figure 8 shows the cancellation and return section p1! The steps are small. The processing of steps (61) to (66) is the same as the processing of steps (31) to (36) in Figure 7, except that the business key (7) is pressed to cancel/return -1. . Press "1" to cancel, press "2" to return, and the message "U" will be displayed on the display (3) (step (67)).
), the staff member presses the numeric key (9) to specify the number of characters (steps (68) ('69)), and presses the set key (11) (step (70)). Next, the staff member presses the numeric keypad (9) on the ID code of the transaction that should be canceled or returned, which is printed on the copy of the slip or the slip that the customer brought.
Step (71)), set key (11)
) (step (72)). Through the above processing,
As shown in FIG. 4(B), in the memory (13),
Card data, a J" code indicating cancellation or return, and an ID code are stored.

When the end/execute key (10) is pressed (step (73)
) (74)), the control center is automatically dialed, and when the line is connected, the data stored in the memory (13) is transmitted to the center (step (75) (7
6)).

In Figure 9, the center receives a message from the card authentication machine (1), confirms that it is related to a legitimate credit company, uses a valid card, and indicates the transaction type in the message. If a cancellation or return code is included (steps (81) to (83)), search the transaction file (22) and check whether the ID code in the message transmitted from the authorization machine (1) is the same. Check to see if there is one. If the transaction data including the corresponding ID code is found in the transaction file (22), it means that the transaction was conducted in the past and the transaction is requested to be canceled or returned. When the transaction data is deleted from the transaction file (22), other processing corresponding to the cancellation or return, such as registration in the cancellation or return file (not shown), is performed (step (89)).
The fact that the cancellation and returned goods have been processed and the transaction file (22
) The corresponding transaction data registered in the card authentication machine (1
) (step (88)). If the corresponding 10 code does not exist in the transaction file, there is some kind of error, and this fact is sent to the authentication m<'+> (step (90)).

In FIG. 8, when the card authentication machine (1) receives a message from the center (step (77)), in the case of a message indicating that the transaction has been canceled or a return has been processed, the message to that effect and the transaction data are displayed on the display. (3) and is printed by the printer (16). In the case of a message indicating that the corresponding transaction cannot be found, that fact is displayed and printed (steps (78) and (79)) In this way,
1' All transactions have an ID code, which is printed on the slip and stored in the transaction file for each transaction. When purchasing a product, you can omit the input of product category, amount, tax, shipping fee, handling category, etc. by inputting the ID code by entering the ID code. is reduced.

[Brief explanation of the drawing]

Figure 1 is a perspective view of the cart authentication machine, Figure 2 is a plan view of the keyboard showing the layout,
Figure 1 shows the circuit configuration of the card authentication machine; Figure 6 shows a part of the transaction file, Figure 7 shows the processing procedure for d-3 to the card authentication machine, and Figure 1 shows the processing procedure for the card authentication machine. The figure shows the processing procedure for d3 L:j in the hint J-flow 1
It is 1-1-. . (1)...Card authentication machine, (12>(20)...Control device, (16)...Blink, (17>...Power)
Dorita (22)...Transaction file. Figure 1 Figure 2 Figure 3 Figure 4

Claims (1)

[Claims] A device m that recognizes a card based on card data and stores the card data and input transaction data in a transaction file stores the transaction identification=1-code of the transaction along with the transaction data in the transaction file, and J11 (a credit transaction office using a card that prints the transaction identification code on the slip along with the transaction data)
M.Fi.