JP2002329031A - Transaction processing system, transaction processing device, and transaction processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction processing system, a transaction processing device, and a transaction processing method that provide users with good service and increase sales promotion effects. SOLUTION: A CAT(Credit Authorization Terminal) 2 sends received card transaction authentication data to a CAFIS(Credit And Finance Information Switching System) 6. The CAFIS 6 authenticates the legality of the transaction based on the transaction authentication data and returns the authentication result. The transaction processing device processes the card transaction based on the authentication result. The CAFIS 6 assigns processing sequence numbers to the transaction authentication data. The CAT 2 runs lottery using the assigned processing sequence numbers.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing system, a transaction processing apparatus, and a transaction processing method for processing a card transaction using a credit card or a debit card.

[0002]

2. Description of the Related Art Conventionally, in a shopping district, a plurality of stores jointly carry out a fortune-off. Bukubiki is implemented to increase the customer's willingness to purchase and to increase sales at each store. The following is a general method of implementing a lottery.

At a store, a lottery ticket is given to a customer who has made a transaction. After that, the customer who was given the lottery ticket went to the lottery place,
Draw lots in exchange for lottery tickets (draw lots). The prize prepared in advance is given to the customer who won the lottery (winner of the lottery).

[0004]

However, the conventional lottery method has a problem that it takes time to secure a lottery place and to set it up.

[0005] The prize to be given to the winner is prepared in advance at the shopping district where the lottery is being carried out, and is not prepared according to the person (customer) who gives the prize. For this reason, there is a high possibility that the prize is unnecessary for the customer, the customer's willingness to purchase cannot be sufficiently increased, and as a result, a sufficient sales promotion effect (sales promotion effect) cannot be obtained. there were.

[0006] Further, since the store where the transaction was made and the lottery place are different places, it was not possible to know who was the winner at the store. For this reason, there was a problem that an approach for sales promotion to a winner cannot be performed.

An object of the present invention is to provide a transaction processing system, a transaction processing apparatus, and a transaction processing method that can provide a sufficient customer service effect and a sufficient sales promotion effect.

[0008]

A transaction processing system according to the present invention has the following arrangement in order to solve the above-mentioned problems.

(1) The transaction processing device transmits transaction authentication data relating to the input card transaction to the center, and the center authenticates the result of the card transaction based on the transaction authentication data to determine whether or not the card transaction is acceptable. In the transaction processing system in which the transaction processing device processes the card transaction based on the authentication result, the transaction processing device uses a processing serial number assigned to the card transaction by the center. Lottery means for lottery is provided.

In this configuration, the transaction processing device transmits the transaction authentication data relating to the input card transaction to the center,
Based on the transaction authentication data, the center returns an authentication result indicating whether or not the transaction is permitted. The transaction processing device processes the card transaction based on the authentication result.

As is well known, card transactions include credit transactions using a credit card and debit transactions using a debit card (cash card of a financial institution). In the credit transaction and the debit transaction, the transaction amount entered in the transaction processing device and the transaction authentication data including the card information are transferred to CAFIS (Creation) which is a center.
dit And Finance Information
on Switching System) (registered trademark of NTT DATA Corporation). C
A host device of a card company or a financial institution is connected to the AFIS. The CAFIS transfers the transmitted transaction authentication data to the host device of the corresponding card company or financial institution, and obtains an authentication result including whether or not the transaction is permitted. And
This authentication result is returned to the transaction processing device that transmitted the transaction authentication data. The transaction processing device processes the card transaction based on the authentication result.

In this card transaction, CAFIS functions as a center. The CAFIS assigns a processing sequence number indicating the order in which the transaction authentication data is transmitted each time the transaction authentication data is transmitted.

The transaction processing device performs a lottery using the processing serial number assigned by the center (CAFIS).

Therefore, the lottery can be carried out without providing a lottery place, so that there is no trouble in securing and installing the lottery place. In addition, since it is possible to know whether or not the customer has won each transaction at the store, an approach for sales promotion to the winner can be appropriately performed, and a sufficient sales promotion effect can be obtained.

(2) The transaction processing device is provided with return processing means for performing a return processing of a card transaction in which the result of the lottery by the lottery means has been won.

In this configuration, a return process is performed for a card transaction for which the lottery result has been won. Here, the return processing is processing for canceling a card transaction. Therefore, the winning customer has not performed a card transaction at the store. If the merchandise related to the card transaction after the return processing is delivered to the winning customer as a prize, unnecessary items for the winner will not be delivered as a prize. As a result, the customer's willingness to purchase is sufficiently enhanced, and as a result, a sufficient sales promotion effect (sales promotion effect) is obtained.

(3) A compensation device is provided for compensating for the transaction amount of the card transaction for which the return processing has been performed by the return processing means.

In this configuration, since the transaction amount of the card transaction that has performed the above-mentioned return processing is compensated, when a lot of winners are executed at a plurality of stores such as a shopping street jointly, The burden on the store where the transaction amount of the returned card transaction is high does not increase. As a result, the burden of the multiple stores participating in the fortune can be equalized.

(4) The lottery means is a means for winning a card transaction in which a predetermined digit of the processing serial number is a preset value.

In this configuration, if the predetermined digit of the processing serial number is a preset value, the winning is achieved.

Further, the transaction processing apparatus and the transaction processing method of the present invention have the same effects as the above-described transaction processing system.

[0022]

FIG. 1 is a diagram showing a configuration of a transaction processing system according to an embodiment of the present invention. In the figure, reference numeral 1 denotes a store, and each store has a CAT (Credit Authorizer) for processing a card transaction using a credit card (hereinafter referred to as a credit transaction).
Tion Terminal) 2 is installed. C
The AT 2 is connected to an operation center 4 of the present system via a public line network 3 such as ISDN. The settlement device 5 is installed in the operation center 4. The settlement device 5 has a function of counting credit transactions for each store 1. This payment device 5 is a CAFIS that authenticates whether a credit transaction is possible.
(Credit And Finance Info
motion Switching System) 6
It is connected to the. A credit card company 7 that issues credit cards (hereinafter, simply referred to as a card company 7) is connected to the CAFIS 6. Financial Institution 8
Is provided with a host device 9 for managing an account set in the financial institution 8.

The CAT 2 corresponds to the transaction processing device according to the present invention, the settlement device 5 corresponds to the compensation device according to the present invention, and the CAFIS 6 corresponds to the center according to the present invention.

FIG. 2 is a block diagram showing the configuration of CAT2. CAT2 includes a control unit 11 for controlling the operation of the main body.
An input unit 12 on which keys for performing input operations are arranged; a display unit 13 for displaying an operation state of the main body; a printing unit 14 for issuing a transaction slip; and controlling data communication via the public line network 3. And a card processing unit 16 for reading card data stored in the credit card. The input unit 12 is provided with a keypad for a customer to input a personal identification number.

The settlement device 5 is also connected to the host device 9 of the financial institution 8 as shown in FIG. In the financial institution 8, as shown in FIG. 3, a store account 21 is set for each store 1, and a unified account 22 is set. The unified account 22 is a checking account provided with an overdraft service from the financial institution 8. The store account 21 may be a savings account or the checking account described above.

The overdraft service is a service in which funds are lent to a fixed amount preset by the financial institution 8 in withdrawal of funds from the checking account.

Further, the financial institution 8 carries out a customer service between the accounts set in the financial institution 8 so as not to generate a transfer fee when transferring from one account to the other account. Therefore, store account 21 and unified account 2
There is no transfer fee for transfers between the two.

Further, the settlement device 5 has a function of instructing the host device 9 of the financial institution 8 to transfer money from the unified account 22 to another account.

The CAFIS 6 assigns processing serial numbers to credit transactions. The processing sequence number will be described later.

The transaction processing system of this embodiment is a system for processing a credit transaction, and is a system for performing a lottery in which a transaction serial number assigned by CAFIS 6 is used as a lottery number at the time of transaction processing as described later.

For example, if the winning number is "8" and the last digit of the processing serial number is "8", the winning is determined. The winning probability is 10%, and the winning number is "88". If the last two digits of the serial number are "88", it is a winning. If the winning probability is 1%, and if the last three digits of the processing serial number are the same number (so-called Zoro eyes), it is won. A lottery with a winning probability of 1% (in this case, there are 10 types of winning numbers) can be implemented.

The above example is an example of a lottery to be won when a predetermined digit of the process serial number assigned by CAFIS6 matches a preset winning number. How to use the winning numbers and the processing serial numbers (winning conditions) can be arbitrarily determined by the person who carries out the lottery, and is not limited to the above example.

In CAT2, a winning number and a method of using the processing serial number (winning condition) are set in advance.

The operation of the transaction processing system according to this embodiment will be described below. FIG. 4 is a flowchart showing the operation of the CAT. CAT2 installed in store 1
Then, the card data stored in the customer's credit card, the product code of the product to be transacted, the transaction amount, the personal identification number, and the like are input as transaction authentication data (s1). CAT2
Sends this transaction authentication data to CAFIS6 (s
2). FIG. 5 shows transaction authentication data transmitted from CAT2 to CAFIS6. The transaction authentication data includes a business division code indicating a business division (sales, cancellation, etc.), a card classification code indicating a card type, a company code indicating a card company 7, a member number for identifying a customer, and a validity of a credit card. It is composed of a term, a password input by the customer operating the keypad, a product code for identifying the product, a transaction amount, a tax amount for the transaction, and a separator indicating a data break. The company code, the member number, and the expiration date are data read from the credit card by the card processing unit 16. The business division code is a code indicating sales at the time of transaction authentication, and is a code indicating cancellation at the time of return processing to be described later.

The transaction authentication data transmitted from the CAT 2 is sent to the CAFIS 6 via the settlement device 5 of the operation center 4 as shown in FIG. The CAFIS 6 assigns a processing serial number to the transmitted transaction authentication data.

Here, the processing sequence number will be described.
Transaction authentication data is transmitted to CAFIS 6 from CAT 2 installed nationwide. More than 500,000 CAT2s have already been installed nationwide, and transaction authentication data is sent to CAFIS6 hundreds of thousands of times a day. C
The processing serial number assigned to the transaction authentication data by the AFIS 6 is a number (count value) indicating the order in which the transaction authentication data was transmitted.

For example, assuming that the transaction authentication data is transmitted to CAFIS 6 500,000 times a day, it is transmitted 5.7 times per second on average. However, CA
Taking into account the general business hours of the store 1 where the T2 is installed, it is transmitted about 11 times per second. Therefore, the processing sequence number is a count value that advances by 11 counts on average per second.

As described above, the processing serial number advances at a furious speed, and since this speed is also a count value that changes as needed, the lower one digit or the lower two digits of the processing serial number are at random numbers. It can be said that it is a numerical value.

When the CAFIS 6 assigns the processing serial number to the transmitted transaction authentication data, the CAFIS 6 transfers the transaction authentication data to the card company 7 (the card company 7 identified by the company code included in the transaction authentication data). . The card company 7 returns to the CAFIS 6 an authentication result that determines whether or not the transaction is possible. When the CAFIS 6 obtains an authentication result from the card company 9 including whether or not the transaction is permitted, the CAFIS 6 returns a response to the CAT 2 that has transmitted the transaction authentication data. The authentication result returned to CAT2 passes through the settlement apparatus 5 in the same manner as the transaction authentication data.

FIG. 6 shows the data structure of the authentication result returned from CAFIS 6 to CAT 2 (the structure of the authentication result data). The authentication result data includes an error code indicating the authentication result of the transaction, the processing date accepted by CAFIS6, the CA
The processing time received by FIS6, the processing serial number received by CAFIS6, the customer's membership number, the expiration date of the credit card, the transaction approval number, the serial number of the credit card company, the number of transactions, the transaction amount, the number of cancellations, and the cancellation amount Data is included. Number of transactions, transaction amount, number of cancellations,
Cancellation amounts are cumulative.

When CAT2 receives the above authentication result data from CAFIS6 (s3), it determines whether or not the transaction is possible (s4). If it is determined in s4 that the transaction is not possible, a transaction stop process for stopping the transaction is performed and the process is terminated (s4).
5). On the other hand, if it is determined in s4 that the transaction is possible, the printing unit 14 starts issuing a transaction slip on which the details of the transaction are printed (s6).

FIG. 7 shows an example of printing a transaction slip. The transaction slip is printed with the transaction serial number assigned by CAFIS6 along with the transaction content.

When the CAT 2 starts issuing the transaction slip in s6, the CAT 2 performs a lottery based on the process serial number included in the authentication result data from the CAFIS 6 to determine a hit (s2).
7). The CAT 2 determines a win based on a preset winning condition. For example, if the last digit of the processing sequence number is "8", the winning is determined, and the other numbers are defeated. Alternatively, if the last two digits of the processing sequence number are “88”, the winning is determined, and the other numbers are lost. Furthermore, if the last three digits of the processing serial number are the same number (doubled), the winning is determined, and the other numbers are defeated.

Here, if the lottery result is not a winning, s6
This process is terminated after the issuance of the transaction slip started in the step is completed. On the other hand, if the lottery result is a winning, a return process for canceling the credit transaction is performed (s8).

In this return processing, the transaction authentication data in which the business division code in the transaction authentication data transmitted in s2 is rewritten to a code indicating cancellation is transmitted to CAFIS 6 again. The transaction serial number is also assigned to the transaction authentication data transmitted to CAFIS 6 in this return process, and the card company 7
Sent to The card company 7 performs a cancellation process for canceling the corresponding credit transaction based on the transaction authentication data related to the return process, and uses the result as an authentication result.
Send to AFIS6. CAFIS 6 returns an authentication result for the return processing to CAT 2.

By the time CAT2 receives the authentication result related to the return processing in s8, the printing of the transaction slip started in s6 is completed. When the CAT 2 receives the authentication result of the return processing, the CAT 2 issues a transaction slip (cancellation slip) in which the transaction content (the content of the canceled transaction) is printed by the printing unit 14 and ends the processing.

In the return process in s8, the transaction contents (contents of the canceled transaction) are printed by the printing unit 14 from the process of transmitting the transaction authentication data rewritten to the code indicating the cancellation to the CAFIS6. This is a series of processing until the issued transaction slip (cancellation slip) is issued. In addition, the cancellation slip is also given to the winner.

As described above, in the transaction processing system of this embodiment, in the credit transaction, the lottery using the processing serial number assigned by CAFIS 6 is performed. As described above, the processing serial number assigned by the CAFIS 6 proceeds at a furious speed, and since this speed is a count value that changes as needed, a fair lottery can be performed. In particular, since the lower one digit and the lower two digits of the processing serial number are at random numbers, a fairer lottery can be performed by including the lower one digit and the lower two digits of the processing serial number in the winning condition. .

Further, the merchandise involved in the credit transaction is delivered as a prize from the store 1 to the winner who has been canceled the credit transaction. In other words, the customer receives as a prize a product that he / she has planned to purchase at store 1. Therefore, what is not needed by the winner is not given to the winner as a prize, and customer service can be sufficiently improved.

In addition, since a lottery is performed at the time of credit transaction, a realistic service can be provided.
Since there is no need to provide a lottery place as in the related art, it is not necessary to secure and set up a lottery place.

In addition, the winner has received the product which was scheduled to be purchased as a prize, so that the purchase budget for the product has been raised. On the other hand, since the winners can be confirmed on the spot at the store 1, an effective approach can be taken, such as encouraging the customer (winner) having a purchase budget for the product to purchase another product and so on. A sales promotion effect is obtained.

Furthermore, even if a customer subdivides a product to be purchased and conducts credit transactions many times, in this case, a prize received at the time of winning is also subdivided.
Such an act does not matter.

An upper limit, for example, 100,000 yen, may be provided for the transaction amount of the credit transaction to be canceled at the time of winning.

Also, the result of the hit determination in s7 is
The display may be displayed on the display unit 13 at T2, or the hit may be output by voice.

Further, in the above embodiment, CAT2 is C
Although it was determined that the hit was automatically determined from the processing serial number included in the authentication result data returned from AFIS6, the customer and the clerk of the store 1 confirmed the processing serial number printed on the transaction slip issued in s6. Is also good. In this case, the conventional CAT2 can carry out the above-mentioned deduction using the processing sequence number. When the winner goes out, the sales clerk
At AT2, an operation for canceling the credit transaction of the winner may be performed.

Next, the operation of the settlement apparatus 5 in the transaction processing system according to this embodiment will be described. As described above, the transaction authentication data and the authentication result data transmitted and received between the CAT 2 and the CAFIS 6 pass through the settlement device 5. The settlement device 5 totals and stores transaction data of credit transactions processed for each store 1. Accordingly, the settlement apparatus 5 can total the credit transactions (cancelled credit transactions) of the winners for each store 1. As described above, the credit transactions have been canceled for the winners. The transaction amount is not paid to the store 1 from 7. Normally, when carrying out a lottery at a plurality of stores 1, it is necessary to make the burden of each store 1 fair.

In the unified account 22 shown in FIG. 3, the contribution of each store 1 participating in the lottery using the processing sequence number is deposited. The settlement device 5 calculates the total amount of the credit transaction (cancelled credit transaction) of the winner for each store 1. The settlement device 5 instructs the host device 9 of the financial institution 8 to transfer money from the unified account 22 to each store account 21 based on the total amount calculated for each store 1. The host device 11 of the financial institution 10 performs the transfer according to the instruction.

As described above, the transaction amount related to the credit transaction of the winner is determined from the unified account 22 to the store account 2.
As a result, the transaction amount for the credit transaction of the winner in the store 1 is compensated. Therefore,
The burden on the store 1 where the number of winners was large or the store 1 where the transaction amount of the winner was large does not increase, and the burden on the plurality of stores 1 participating in the fortune can be made fair. Further, since the store account 21 and the unified account 22 are provided in the same financial institution 8, a transfer fee is not generated, and the operation cost is sufficiently suppressed.

In the above embodiment, the credit transaction is described as an example. However, the present invention can be applied to a debit transaction using a bank cash card shown in FIG. Debit trading is the same as credit trading
6 is a transaction in which the above processing sequence number is assigned.

The clearing center 31 shown in FIG.
Performs settlement between banks, and the fund settlement executive bank 32 corresponds to the card company 7 shown in FIG. 1, and centrally manages the flow of funds between banks.

Further, in the above-described embodiment, the CAT 2 determines that a hit has occurred using the processing serial number.
The hit may be determined when the authentication result data from the AFIS 6 passes. Further, when it is determined that the winning is achieved, the return processing may be performed by the settlement apparatus 5. Also,
The credit card company 7 may perform the above service. In this case, the credit card company 7 performs the authentication process of the credit transaction and determines the winning, and the winning player may cancel the credit transaction. However, the credit card company 7 deposits the transaction amount of the canceled credit transaction into the store 1 where the transaction has been performed.

[0062]

As described above, according to the present invention, a lottery can be carried out without providing a lottery place, so that there is no trouble in securing and installing a lottery place. In addition, since it is possible to know whether or not each customer who transacted at the store wins, an approach for sales promotion to the winner can be appropriately performed. Therefore, a sufficient sales promotion effect can be obtained.

Also, since unnecessary items are not given to the winner as prizes, the customer's willingness to purchase can be sufficiently increased,
As a result, a sufficient sales promotion effect can be obtained.

Further, when a lot of winners are executed jointly at a plurality of stores, such as a shopping street, a store with a large number of winners, or a store with a high transaction amount for a returned card transaction is charged. And the burden on multiple stores participating in the fortune can be impartialized.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a transaction processing system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a configuration of a CAT according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a flow of funds in a store account and a unified account set in a financial period.

FIG. 4 is a flowchart showing an operation of the CAT according to the embodiment of the present invention.

FIG. 5 is a diagram showing a configuration of transaction authentication data transmitted from a CAT to CAFIS.

FIG. 6 is a diagram showing a configuration of authentication result data transmitted from a CAFIS to a CAT. It is a figure which shows the credit transaction statement issued by an operation center.

FIG. 7 is a diagram showing a transaction slip issued by the CAT.

FIG. 8 is a block diagram showing a configuration of a transaction processing system according to another embodiment of the present invention.

[Explanation of symbols]

 1-store 2-CAT 4-operation center 5-settlement device 6-CAFIS 7-credit card company (card company) 8-financial period 9-host device

 ────────────────────────────────────────────────── ─── Continuing on the front page (72) Inventor Yasushi Yasushi Kyoto-shi, Kyoto City Shimogyo-ku, Kizuyabashi-dori Nishi-Doin-in 606 Le Higashio-Shoji-machi Omron Software Co., Ltd. (72) Inventor Ikuo Tanaka Kyoto, Kyoto Prefecture 606, Omron Software, Inc. (72) Inventor: Tamotsu Hizume, Nishi-iri, Shijo-tsufuya-cho, Shimogyo-ku, Kyoto-shi, Kyoto Prefecture Inside the 24th Shijo-Prosperity Association shopping district promotion association (72) Inventor Kanako Koide, Shijo-tsufuya-cho, Shimogyo-ku, Kyoto, Kyoto 24F, Nishi-iri, Higashi-cho, 24th, Shijo Prosperity Association Shopping District Promotion Association F-term (reference) 5J104 AA07 KA01 KA02 NA35 NA36 NA38 NA41 PA10

Claims (11)

[Claims] A transaction processing device transmits transaction authentication data relating to an inputted card transaction to a center, and the center authenticates the result of the card transaction based on the transaction authentication data to determine whether or not the card transaction is possible. In the transaction processing system, wherein the transaction processing device processes the card transaction based on the authentication result, the transaction processing device uses a processing serial number assigned to the card transaction by the center. Transaction processing system provided with lottery means for lottery. 2. The transaction processing system according to claim 1, wherein said transaction processing device is provided with return processing means for performing a return processing of a card transaction whose lottery result by said lottery means has been won. 3. The transaction processing system according to claim 2, further comprising a compensating device for compensating for a transaction amount of the card transaction subjected to the return processing by the return processing means. 4. The transaction processing system according to claim 1, wherein said lottery means wins a card transaction in which a predetermined digit of said processing serial number is a preset value. 5. A transaction data transmitting means for transmitting transaction authentication data relating to an input card transaction to a center, and an authentication result for receiving an authentication result obtained by the center certifying whether or not a card transaction is possible based on the transaction authentication data. A transaction processing device comprising: a receiving means; and a card transaction processing means for processing the card transaction according to the authentication result received by the authentication result receiving means, wherein a processing serial number assigned to the card transaction by the center is used. Transaction processing device provided with lottery means for lottery. 6. The transaction processing apparatus according to claim 5, further comprising return processing means for performing return processing of a card transaction in which a result of the lottery by the lottery means has been won. 7. The transaction processing apparatus according to claim 5, wherein the lottery means is a means for winning a card transaction in which a predetermined digit of the processing serial number is a preset value. 8. A transaction in which transaction authentication data relating to an input card transaction is transmitted to a center, and the center processes the card transaction based on an authentication result obtained by authenticating the card transaction based on the transaction authentication data. In the processing method, a transaction processing method in which the center draws lots using a processing serial number assigned to a card transaction. 9. The transaction processing method according to claim 8, wherein if the lottery result using the processing serial number is a winning, a return process is performed for the card transaction. 10. The transaction processing method according to claim 9, wherein the transaction amount of the card transaction after the return processing is compensated. 11. The transaction processing method according to claim 8, wherein a card transaction in which a predetermined digit of the processing serial number is a preset value is won.