JP3427214B2 - Card processing system and controller - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card processing system for processing a credit card by a credit card processing terminal (hereinafter referred to as CAT).

[0002]

2. Description of the Related Art Transaction processing by credit card in a store is generally executed via CAT. This CA
The T is connected to a controller installed in the store, and the controller is connected to each card company via an external credit reference network such as CAFIS. When transaction processing by credit card occurs in the CAT included in such a card processing system,
The controller compares the transaction amount with a preset fixed amount (lower limit amount), and if the transaction amount exceeds the lower limit amount, issues the card data of the credit card presented by the customer via the network. Send to the credit card company. The host computer of each card company executes an authentication process for determining the suitability of the card data sent from the controller, and sends the result to the controller via the network. The controller sends CAT according to the authentication result sent from each card company.
Outputs data instructing whether or not transaction processing is possible.

On the other hand, if the transaction amount is less than or equal to the lower limit amount, the controller determines whether the negative file storing the defective card data for each card company has the card data read from the credit card presented by the customer. Check whether or not. This negative file is regularly updated with negative data transmitted from each card company. Based on whether or not the card data exists in this negative file, the controller outputs data for prohibiting or permitting transaction processing to the CAT. Such a simple check using a negative file is executed in order to reduce the time required for transaction processing by omitting data transmission / reception with the card company during transaction processing of a relatively low price.

[0004]

However, in the conventional card processing system, when the transaction amount is less than the lower limit amount and the authentication process at the card company is omitted, a negative file is set for each transaction process. However, even if the transaction limit below the lower limit amount is continuously executed multiple times and the transaction limit amount is exceeded, it cannot be detected, and so-called illegal purchase There was a problem that it was not possible to prevent such transactions.

The object of the present invention is to cumulatively store the purchase amount per unit period for each card number of each card company, and preset the purchase amount stored for the credit card presented at the time of transaction processing. By sending that fact to the card company when the purchase limit is exceeded,
An object of the present invention is to provide a card processing system that can prevent a large amount of fraudulent transactions from being carried around.

Further, the purchase amount of money during the unit period is cumulatively stored in the card, the purchase amount of money stored in the card is read out at the time of transaction processing and compared with a preset purchase limit amount, and the purchase amount of money is purchased. An object of the present invention is to provide a card processing system capable of surely preventing illegal purchases carried out in different controllers by transmitting a message to the card company when the limit is exceeded.

[0007]

The present invention is a card processing system.
Via the controller the card information read by the terminal
A card processing system that transmits to a card company for authentication
In the controller, the purchase limit for each card company
With a limit amount storage means to store the amount and offline transactions
Store transaction information cumulatively and reset at the end of the day
Transaction information storage means and storage of the transaction information storage means
A monetary amount comparison hand that compares the contents with the contents stored in the limit amount storage means
The same card is used to compare the dan and the amount comparison means
When the offline transaction amount on the same day exceeds the purchase limit
Excessive state transmission means for transmitting that fact to the card company,
It is characterized by being provided.

[0008]

[0009]

In the present invention, the purchase amount of each card for the same day is cumulatively stored in the card processing terminal or the controller, and the purchase limit is set for each card company during transaction processing. If the amount is exceeded, a notification to that effect is sent to the card company. Therefore, even if transaction processing below the lower limit amount is executed multiple times consecutively, the usage status can be found when the purchase limit is exceeded. It is possible to reliably prevent a large amount of fraudulent transaction processing due to buying around .

[0010]

[0011]

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

The card processing system 12 is a CA provided for each sales floor in the controller 2 installed in the store 13.
T1 is connected, and this controller 2 is connected to each card company 4 via the credit reference network 3.

FIG. 2 is a diagram showing a configuration of a controller which constitutes the card processing system. Controller 2
Includes a main processing unit 6, a lower communication unit 5, a negative file 7,
The purchase around check file 8 and the upper communication unit 9 are provided. The lower communication unit 5 transmits / receives data to / from the CAT 1. The main processing unit 6 processes data input / output according to a processing program stored in a memory (not shown). The negative file 7 updates and stores defective card data periodically transmitted from each card company 4. The purchase-around check file 8 cumulatively stores the transaction amount for each card used in the store 13. The upper communication unit 9 transmits / receives data to / from each card company 4 via the credit reference network 3.

FIG. 3 is a diagram showing the structure of a purchase around check file provided in the controller. The purchase-around check file 8 is divided for each card company that can be used in the store 12, and each storage unit 1 stores the purchase-around limit amount and the cumulative sales amount for the day.
It is divided into 0 and 11. The buy-back limit storage unit 10, which is the limit storage means of the present invention, stores a buy-back limit set in advance for each card company. The transaction amount is cumulatively stored for each member number in the current day accumulated sales amount storage unit 11 which is the first purchase amount storage means of the present invention. The contents of the accumulated amount storage unit 11 are cleared each time the business hours of the day are completed.

FIG. 4 is a flowchart showing the processing procedure of the controller. Controller 2 is CAT1
Waiting for transmission of transaction data from (n1), CA
When transaction processing occurs at T1 and transaction data transmitted from CAT1 is received, the transaction amount included in the transaction data is compared with a predetermined lower limit amount (n2). When the transaction amount exceeds the lower limit amount, the card data included in the transaction data is transmitted to the host computer of each card company (n21), and each card company 4
Select the authentication process by. When a response of authentication OK indicating that the card data is proper is transmitted from the card company 4, a response permitting transaction processing is transmitted to the CAT 1 (n22, n23). After this, CAT1
The transaction data is received and transmitted to the host computer of each card company 4 (n24). When a response indicating that the card is a bad card is transmitted from each card company 4, a response for stopping the transaction processing is transmitted to CAT1 (n22 → n25).

When the transaction amount included in the transaction data is less than the lower limit amount, the negative file 7 is searched for card data (n3). When the card data does not exist in the negative file 7, it is determined that the card is proper and the card data is searched for in the check file 8 (n4, n5). If the check file 8 has accumulated amount data of the card data,
The cumulative amount is updated according to the transaction amount this time (n6, n
7) The updated cumulative amount is compared with the purchase limit (n8). The process of n8 corresponds to the first amount comparison means of the present invention. If the cumulative amount after the update is less than the purchase limit, a response that permits transaction processing is sent to CAT1 (n8 → n9), and transaction end data from CAT1 is received and the transaction is performed in a memory (not shown). Data is stored (n10).

On the other hand, when the updated total amount exceeds the purchase limit, the card data related to the transaction processing is transmitted to the host (n8 → n11), and the authentication processing in each card company 4 is performed. The processing of n8 → n11 corresponds to the excess state transmitting means of the present invention, and when the same card performs the transaction processing of the lower limit amount or less a plurality of times on the same day and the accumulated amount exceeds the fixed limit amount. Even if the transaction amount in this transaction process is less than the lower limit amount, the authentication process by each card company 4 is selected. As a result, it is possible to detect fraudulent cards, such as purchases by multiple debtors and theft, at an early stage.

When there is card data in the negative file 7 at n4 and the credit card for the transaction processing is a defective card, a response for prohibiting the transaction processing is transmitted to CAT1 (n4 → n1).
2).

FIG. 5 is a diagram showing the configuration of a controller which constitutes the card processing system according to the embodiment of the invention described in claim 2. In FIG. The controller 22 includes a lower processing section 25, a negative file 27, and an upper communication section 28 in the main processing section 26, as in the case of being applied to the conventional card processing system. This lower communication section 2
5, the main processing unit 26, the negative file 27 and the upper communication unit 28, the lower communication unit 5, in the configuration shown in FIG.
It has the same functions as the main processing unit 6, the negative file 7, and the upper communication unit 9.

FIG. 6 is a block diagram of a control unit of the CAT which constitutes the card processing system. The control unit of CAT1 is a CPU 31 including a ROM 32 and a RAM 33.
And a check file 34, and a card reader / writer 39, a display 40, a printer 41, and a keyboard 42 are connected via interfaces 35 to 38. The CPU 31 centrally controls each input / output device according to a program written in the ROM 32 in advance, and outputs data input / output during this time to the RAM 3
3 is stored in a predetermined memory area. The check file 34 stores the purchase limit set in advance for each card company. The card reader / writer 39 reads card data from the credit card presented by the customer and writes predetermined transaction data. The display 40 displays the result of the transaction processing approval / disapproval determination. The print 41 issues a receipt indicating the transaction content. The keyboard 42 receives an input operation such as a transaction amount by a clerk.

FIG. 7 is a diagram showing stored contents of a credit card applied in the card processing system. The credit card applied in this card processing system is a rewritable card in which data can be written, and is provided with a storage area for card data of a credit card company, a membership number and a personal identification number, like an ordinary credit card. At the same time, it is provided with a storage area for the accumulated amount of money, which is the second purchase amount storage means of the present invention. This accumulated amount is updated by CAT1 at the end of the transaction processing.

FIG. 8 is a flow chart showing the processing procedure of the control unit of the CAT. The CPU 31 of the CAT 1 is waiting for the insertion of the credit card into the card reader / writer 39 (n31), and the card reader / writer 3
When a credit card is inserted into card 9, the card data is read (n32). Next, the input of the transaction amount by the operation of the keyboard 42 is waited for (n33), and the arithmetic processing for updating the accumulated amount included in the card data with the input transaction amount is performed (n34). That is, the transaction amount input this time is added to the accumulated amount shown in FIG. Then, the purchase limit of the issuing card company included in the card data is read from the check file 34 (n3
5) Compare with the updated cumulative amount.

When the updated accumulated amount is equal to or more than the purchase limit set by the card company,
Limit amount over information is added to the transaction data and transmitted to the controller 2 (n36, n37). When the updated accumulated amount is less than the purchase limit, transaction data including card data and transaction amount is transmitted to the controller 22. After that, the controller 22 waits for a response from the controller 22, and displays the display 4 according to the content of the response.
The availability of transaction processing is displayed in 2 (n38 to n40). When the transaction processing is permitted, the transaction processing is executed (n4
1), write the updated accumulated amount to the credit card inserted in the card reader / writer 39 (n
42).

The cumulative amount of money stored in the credit card includes data indicating the transaction date.
In calculating the cumulative amount of money in 4, the judgment as to whether or not this transaction date is today is included. When the transaction date is not today in this determination, the current transaction amount is directly used as the cumulative amount, and only when the transaction date stored in the card is today, the current transaction amount is added to the read cumulative amount.

FIG. 9 is a flow chart showing the processing procedure of the controller constituting the card processing system. When the transaction data is transmitted from CAT1, the controller 22 determines whether or not the transaction data includes limit amount over information (n51, n52). If the limit amount over information is not included, it is determined whether the transaction amount included in the transaction data is less than or equal to the lower limit amount (n53). When the transaction data includes limit amount over information, or when the transaction amount exceeds the lower limit amount, the transaction data is transmitted to the card company and authentication processing is performed by the host computer (n55). If the transaction data does not include limit amount over information and the transaction amount is less than or equal to the lower limit amount, a negative check process for searching the card data in the negative file 27 is performed (n54). Based on the result of the determination as to whether or not the card in the negative check process or the authentication process is appropriate, a response to permit or prohibit the transaction process is transmitted to CAT1 (n56 to n58).

In the above processing, n42 corresponds to the purchase amount writing means of the present invention, n32 also corresponds to the purchase amount reading means, and n36 corresponds to the second amount comparing means.
Similarly, n37, n52, and n55 correspond to excess state transmission means. Through the above process, the total amount of transactions for one day is stored in the credit card, and the total amount of transactions and the current transaction amount stored in the credit card at the time of transaction processing in CAT1 is compared with the purchase limit. It Therefore, even if the defective cards are purchased around in a plurality of stores, this can be detected with certainty, and the stolen card or the like can be found quickly.

In the present embodiment, the CAT 1 is provided with a check file storing the purchase limit set in each card company.
In addition, the controller 2 may be configured to execute the calculation of the total amount of money and the comparison process with the purchase limit.

[0028]

According to the present invention, when a relatively small amount of transaction processing is continuously performed by the same card and the accumulated amount exceeds a certain limit, the transaction amount is low. Even if there is, authentication processing is executed in each card company, so there is an advantage that it is possible to reliably prevent illegal purchases by multiple debtors and stolen cards.

[0029]

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of a card processing system according to an embodiment of the invention described in claim 1.

FIG. 2 is a diagram showing a controller that constitutes the card processing system.

FIG. 3 is a diagram showing stored contents of a check file included in the controller.

FIG. 4 is a flowchart showing a processing procedure of the controller.

FIG. 5 is a diagram showing a configuration of a controller according to an embodiment of the invention described in claim 2;

FIG. 6 is a block diagram showing a configuration of a control unit of a CAT of the card processing system.

FIG. 7 is a diagram showing stored contents of a card applied to the card processing system.

FIG. 8 is a flowchart showing a processing procedure of the same CAT.

FIG. 9 is a flowchart showing a process of a controller of the card processing system.

[Explanation of symbols]

1-CAT 2- controller 3-Credit reference network 4-card company 7-Negative file 8-Check file 10-Buy-around limit storage unit 11-Cumulative amount storage

Claims (2)

(57) [Claims] 1. In a card processing system for transmitting card information read by a card processing terminal to a card company via a controller for authentication, a limit amount for storing a purchase limit amount for each card company in the controller. Storage means, transaction information storage means for cumulatively storing transaction information of offline transactions, reset at the end of the day, and an amount of money for comparing the storage content of the transaction information storage means with the storage content of the limit amount storage means. The comparison means and the excess state transmission means for transmitting to the card company when the offline transaction amount of the same card on the same day in the comparison of the amount comparison means exceeds the purchase limit amount are characterized by being provided. Card processing system. 2. A Turkish controller to send the card information read by the card processing device to the card company for authentication, and limits storage means for storing the purchase limit for each card company, the same day by the offline transaction Transaction information storage means for cumulatively storing only the transaction information of, and resetting at the end of the day, amount comparison means for comparing the storage content of the transaction information storage means with the storage content of the limit amount storage means, In the comparison of the comparison means, when the offline transaction amount of the same card on the same day exceeds the purchase limit amount, excess state transmission means for transmitting to that effect to the card company, a controller characterized by being provided.