JPH0381894A - Device for authenticating credit card - Google Patents

Abstract

PURPOSE:To reduce damages of a shop and a credit company by inquiring the credit of a credit card in accordance with the added amount of the used charge and the chip amount. CONSTITUTION:The data of a credit card specified by a customer are read out by a card reader 25 and the read card data and the calculated credit inquiry amount are transmitted to a credit inquiring host computer 3 through a communication line interface 27. The host computer 3 checks whether the credit inquiring amount can be paid within the card credit limit amount or not based upon the received card data and returns the checked result to a requesting CAT2i.

Description

[Detailed description of the invention]

[Industrial Field of Application] The present invention relates to a credit card verification device, and particularly to a credit card verification device that can perform credit inquiries based on amounts including tip amounts. [Prior Art] A conventional credit card verification device reads a user's card from a terminal device installed at a credit card member store, and inputs the data related to the read card into the credit company's central computer. The card has a credit check feature that allows you to verify that the card is legitimate and that your credit is within your purchasing limits. In this case, the credit inquiry amount was the purchase amount itself, such as service charges, food and drink charges, and product charges.

[Problem to be solved by the invention]

However, if, for example, tips are also paid with a credit card, conventional credit card checking devices perform a credit inquiry based on the purchase amount itself, excluding the amount of tips for food, drinks, products, etc. Ta. Therefore, even if the total amount (chip amount + purchase amount) exceeds the credit limit of the card, the store would not be able to know this and would suffer losses. Ta. Therefore, an object of the present invention is to automatically calculate the total amount of the usage fee, which is the purchase amount, and the chips based on the usage fee, and to have a function of making a credit inquiry based on the total amount.
It is an object of the present invention to provide a credit card 4-scanning device. [Means for Solving the Problems] A credit card verification device according to the present invention is a credit card verification device that performs a credit inquiry of a credit card, and includes a credit limit storage device that stores a credit limit of a credit card in advance. a means, a means for inputting usage fees,
a tip rate storage means for storing in advance a tip rate predicted for the usage fee; and a tip rate storage means for reading out the tip rate from the tip rate storage means in response to input of the usage fee by the usage fee input means, and calculating the usage fee. a means for calculating a tip amount for the credit limit, a means for adding the tip amount calculated by the tip amount calculation means and the input usage fee, and a credit limit stored in the credit limit storage means; and means for making a credit inquiry of a credit card based on the addition result by the addition means. [Function] Since the credit card four-check device according to the present invention is configured as described above, it is possible to check whether the total amount (usage fee + chips) is within the credit limit of the credit card. Since it can be confirmed at the time of credit inquiry, it is possible to reduce the damage to the card member store and the card company that occurs when paying the tip amount using a credit card. [Example] Hereinafter, an example of the present invention will be described in detail with reference to the drawings. In addition, the following description cites an example in a restaurant as an example. FIG. 1 is a schematic diagram showing the functional configuration of a credit card four-viewing device according to an embodiment of the present invention. In the figure, a credit card terminal device 1 is a plurality of credit card terminal devices (hereinafter referred to as CAT) 2i (i-1
, 2, 3, ..., n), the credit inquiry host computer 3 which is the central computer of the credit company, and the CA
It includes a communication line 4 that connects the T2L and the credit inquiry host computer 3. Each CATi reads the customer's credit card and sends confirmation to the credit inquiry host computer 3 via the communication line 4 that the card is valid and that the current credit is within the credit limit of the card. Operate. FIG. 2 is a schematic diagram showing the functional configuration of each CAT2 i shown in FIG. In the figure, each CAT2 i has a CPU (abbreviation for central processing unit) 21 that controls the operation of the terminal device itself, and a RAM (Random RAM) that stores data related to various processes of the terminal device.
om (abbreviation for Access Memory) 22
, R that stores programs related to various processes of the terminal device
OM (abbreviation for Read Only Memory)2
3. Keyboard 24 for key-inputting data related to credit inquiries, card reader 25 for reading customer credit card data, display device 26 for displaying data related to processing, and data between communication line 4 and terminal device Communication line interface 2 that controls the input and output of
Contains 7. The ROM 23 includes processing logic for controlling various devices connected to the CPU 21 and a fifth
A processing flow as shown in the figure is stored in advance as a program. The program stored in the ROM 23 is the CPU 21
Executed under the control of FIG. 3 is a schematic diagram showing a part of the memory configuration of the RAM 22 shown in FIG. The RAM 22 includes a food and beverage charge storage area 221 that is a storage area for storing customer's food and drink charges, a tip amount assumption parameter storage area 222, and a credit inquiry amount storage buffer 223. The tip amount assumption parameter storage area 222 is a storage area for storing a tip amount assumption parameter n (where 0.0≦n≦1.0) such that a certain percentage of the food and beverage bill is a tip. In addition, the credit inquiry amount storage buffer 223 is a storage area for temporarily storing the total amount of (the food and beverage cost press conference + hypothetical tips determined from the tip amount assumption parameter n) as the credit inquiry type m. 2 is a schematic diagram showing the key arrangement of the keyboard 24 shown in FIG. 2. The keyboard 24 includes a numeric keypad 24 for key-inputting the customer's food and beverage bill and tip amount assumption parameter n.
1. It includes a parameter change key 242 that is pressed when updating the tip amount assumption parameter n, and an inquiry key 243 for requesting the credit inquiry host computer 3 to perform credit inquiry processing. FIG. 5 is a schematic flow diagram showing credit inquiry processing according to an embodiment of the present invention. The illustrated processing flow is stored in advance as a program in the ROM 23 and executed under the control of the CPU 21. Next, the processing flow shown in FIG. 5 will be explained with reference to FIGS. 1 to 5. When the customer makes a payment by credit card, first, in step S1, the tip amount assumption parameter n is
Determine whether changes are necessary. This determination process is performed based on whether or not the parameter change key 242 of the keyboard 24 is pressed. At this time, if the parameter change key 242 is not pressed, the process moves to step S3, which will be described later, but if the parameter change key 242 is pressed, the process moves to step S2. Step S2
Now, the numerical value obtained by key input on the numeric keypad 241 is stored in the chip amount assumption parameter storage area 22 of the RAM 22.
2, it is stored as a new tip amount assumption parameter n. Therefore, the tip amount assumption parameter n can be set as appropriate by the store. Next, in step S3, it is determined whether or not the food and drink price has been input. This determination process is performed using the numeric keypad 2
The numerical value input by key 1 is determined to be the input of food and drink charges. The determination process in step S3 is repeated until there is an input of the food and beverage price by key input on the numeric keypad 241, and when there is an input of the food and beverage price press conference, the process proceeds to the next step S4.
to move to. In step S4, the food and drink price entered using the numeric keypad 241 immediately before is stored in the food and drink price storage area 22 of the RAM 22.
Store in 1. After that, the input food and drink price is multiplied by the currently set tip amount assumption parameter n, that is, (
A hypothetical tip amount is calculated using the food and beverage price L×tip amount assumption parameter n). Once the hypothetical chips are calculated, the credit inquiry type m is calculated in the next step S5. The credit inquiry type m is calculated by adding the food and beverage fee press conference and the hypothetical tips mentioned above, or from (food and beverage fee lx (1+n)). The calculated credit inquiry type m is temporarily stored in the credit inquiry amount storage buffer 223 of the RAM 22. Thereafter, in step S6, the credit card data presented by the customer is read by the card reader 25,
The read card data and the calculated credit inquiry type m are transmitted to the credit inquiry host computer 3 via the communication line interface 27 and the communication line 4. In this case, data for credit inquiry is transmitted by pressing the inquiry key 243 of the keyboard 24, and in response, the host computer 3 for credit inquiry receives credit inquiry data within the credit limit of the card. CAT2i confirms whether or not it is payable, and transmits the confirmation result to the CAT2i that requested the credit inquiry. In response, CAT2 i displays the received credit inquiry result on the display device 26 or the like. Therefore, by checking the display data on the display device 26, the clerk can determine whether or not the transaction including the tip amount can be completed using the card. [Effects of the Invention] As described above, according to the present invention, when the usage fee and chips are paid using a credit card, the tip amount is calculated based on a fixed percentage of the usage fee, and the usage fee and tips are Credit card inquiries are made based on the amount added to the amount. Therefore, since the credit of the card can be checked based on the amount including the tip amount, even if the tip fee is paid using a credit card, the risk of damage to the store and the card company is reduced. Further, since the tip rate for the usage fee for calculating the tip amount can be set as appropriate, the present device can be applied to various types of sales methods.

[Brief explanation of drawings]

FIG. 1 is a schematic diagram showing the functional configuration of a credit card four-viewing device according to an embodiment of the present invention. FIG. 2 is a schematic diagram showing the functional configuration of each CAT shown in FIG. 1. FIG. 3 is a schematic diagram showing a part of the memory configuration of the RAM shown in FIG. 2. FIG. 4 is a schematic diagram showing the key arrangement of the keyboard shown in FIG. 2. FIG. 5 is a schematic flow diagram of credit inquiry processing according to an embodiment of the present invention. In the figure, 1 is a credit card camera, 2i (
i=1.2.3. -, n) is CAT, 3 is host computer for credit inquiry, 4 is communication line, garden is food and drink fee, m
is the credit inquiry type and n is the tip amount assumption parameter. In each figure, the same reference numerals indicate the same or corresponding parts.

Claims (1)

[Scope of Claims] A credit card verification device that performs a credit inquiry on a credit card, comprising: a credit limit storage means for storing a credit limit of a credit card in advance; a means for inputting a usage fee; and a usage fee. a tip rate storage means for storing in advance a tip rate predicted for a given amount; and a tip rate storage means for reading out a tip rate from the tip rate storage means in response to input of the usage fee by the usage fee input means;
means for calculating a tip amount for the usage fee; means for adding the tip amount calculated by the tip amount calculation means and the input usage fee; and a credit limit stored in the credit limit storage means. A credit card verification device comprising means for making a credit inquiry of a credit card based on the amount and the addition result by the addition means.