JPH04336376A - Transaction processing system - Google Patents

Abstract

PURPOSE:To speedily grasp illegal use, etc., by telephoning to a terminal equipment for customer management and sending transaction data when the transaction data is sent from a transaction processor. CONSTITUTION:When a credit card is scanned by a CAT terminal equipment 10 at a shop 2, the line is connected to a host equipment 1 to transmit data on a customer code, transaction amount data, a password number, etc. The host equipment 1 uses the data to retrieve a file, thereby deciding whether or not the transaction is allowed. When the transaction is allowed, an effective answer is transmitted back to the CAT terminal device 10. The host equipment 1 after releasing the line connected to the CAT terminal equipment 10 retrieves the telephone number of the terminal equipment for managing the card and connects the telephone line to transmit data on the date, amount, articles, card user, etc., of the transaction to the control terminal equipment. The line is released after the electric transmission.

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 that primarily uses credit cards, and more particularly to a credit card management system in which transaction fees are debited from an account other than that of the customer.

0002

2. Description of the Related Art In a credit card transaction system, no payment is made at the time of the transaction, but the transaction amount is later debited from a predetermined bank account in a lump sum. The bank account for withdrawal does not necessarily have to be in the customer's name. Furthermore, multiple credit cards may be issued under one credit contract. These are so-called personal cards and family cards, which can be used by policyholders and their families.

0003

[Problem to be solved by the invention] In this way, if a person other than the holder of the bank account for debiting is allowed to use a credit card for transactions, the account holder will receive a lump sum bill by mail just before the debit is made. The drawback was that it was unclear how much the credit card had been used. For this reason, family members may overuse credit cards,
The drawback was that there was a delay in noticing that the family card had been used fraudulently due to loss or other reasons.

SUMMARY OF THE INVENTION An object of the present invention is to provide a transaction processing system that prevents the above-mentioned problems by notifying a manager such as an account holder of transaction data for each transaction.

[0005]

[Means for Solving the Problems] The invention of claim 1 of this application provides a transaction medium storing at least customer identification data, a transaction processing device that receives the transaction medium and processes the transaction, and a transaction processing device that processes the transaction by receiving the transaction medium. A transaction processing system comprising: a host device for managing sent transaction data, the host device comprising: a telephone number storage means for storing a telephone number of a terminal device for managing each customer; The present invention is characterized by comprising means for making a telephone call to a terminal device to manage the customer and transmitting the transaction data when the transaction data is sent from the customer.

[0006] The invention of claim 2 of this application includes a transaction medium that stores at least customer identification data and a telephone number of a management terminal device, a transaction medium that receives the transaction medium, processes a transaction, and, after processing the transaction, and a transaction processing device equipped with means for making a telephone call to a terminal device and transmitting transaction data.

[0007]

In the transaction processing system according to the first aspect of the present invention, the telephone number of the management terminal device is stored in the host device that manages the transaction. The management terminal device is the telephone number of the telephone terminal device of the bank account holder or the like from which the transaction amount is to be debited. The management terminal device may be a personal computer, a facsimile, a telephone with a recording function (answering machine), or even an ordinary telephone. Upon processing a transaction, the transaction processing device transmits transaction data to the host device. The host device transmits the transaction data to the management terminal device. Depending on the type of management terminal device, transaction data may be selected from digital data, character line drawing data, or synthetic voice. By the above-described operation, the transaction data using the transaction medium can be promptly notified to the administrator.

[0008] In the transaction processing system according to the second aspect of the present invention, the telephone number of the management terminal device is stored in one of the transaction media owned by the customer. When a transaction is processed, the transaction processing device transmits the transaction data to the management terminal device.

[0009] Transaction data may be transmitted for all transactions, or may be transmitted only for transactions where the transaction amount is above a certain level.

0010

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a diagram showing the configuration of a transaction processing system according to an embodiment of the present invention. This system is a system that processes transactions using credit cards 5. A host device 1 that manages all transactions and a terminal device (CAT terminal device) 10 installed in each store are connected via a public telephone line.
Furthermore, the host device 1 is a management terminal device 11,1 of the contractor.
Connected to 2. Although only one store 2 is shown in the figure, a plurality of stores 2 exist for the host device 1. A CAT terminal device 10 installed in each store is provided with a card reader 10a, which is a hand scanner. The customer has a credit card 5. When a customer wishes to make a transaction using this credit card, a store staff member inserts the credit card into the card reader 10a and scans the card to read the data.

FIG. 2 shows the structure of the magnetic stripe formed on the credit card 5. As shown in FIG. The magnetic stripe 50 stores a company code 51 that is the code of the credit company, a customer code 52 that is the customer's identification number, and a password 53. The least significant bit of the customer code 52 is an identification bit 52a for identifying whether the card belongs to the account holder (principal card) or the family card of a family member. A spare area 54 is also provided in this magnetic stripe. In a second embodiment described later, a telephone number storage area 54a is set in this reserve area.

Furthermore, files regarding all customers who have credit cards 5 are set in the host device 1. The file stores transaction data for a certain period of time and also stores the telephone number of each customer's management terminal. Here, the management terminal device is usually used to withdraw transaction fees by credit card.
This is the telephone number of the telephone (including facsimile and personal computer) managed by the account holder of the bank account where the transaction is made. The host device 1 transmits transaction data to these management terminal devices, and the format of the transmitted data is as follows.
Automatically converted depending on the type of management terminal device. That is, in the case of a facsimile, the transaction details are configured as image data for printing, and in the case of a telephone (including a telephone with an automatic recording function), the transaction details are synthesized into voice. Further, if the management terminal device is a personal computer, the transaction details are edited into a digital data message and sent.

FIG. 3 is a diagram showing the communication procedure between the host device 1, the CAT terminal device 10 at the store, and the management terminal device 11 (12) installed at the account holder's home. When a credit card is scanned by the CAT terminal device 10 at a store, a line is connected to the host device 1 to electronically transmit data such as a customer code, transaction amount data, and personal identification number. The host device 1 searches for files using these data and determines whether transactions are possible. If the transaction is possible, a valid response is sent back to the CAT terminal device 10. Upon receiving the valid response, the CAT terminal device 10 releases the line, issues a receipt, and completes the transaction. On the other hand, the host device 1 releases the line with the CAT terminal device 10, searches for the telephone number of the management terminal device of the card, connects the telephone line, and sends the transaction date and information to the management terminal device. Transmit data such as amount, item, card user, etc. After the transmission, the line will be released. If the management terminal device is a regular telephone, this transmission will only be possible if the administrator is at home, but if the telephone has an automatic recording function, so-called answering machine, it is possible to record the contents. can. Furthermore, in the case of a facsimile device, image data for data printing may be transmitted. Furthermore, in the case of a personal computer, digital data is transmitted using so-called personal computer communication.

FIG. 4 is a flowchart showing the receiving operation when the management terminal device is a personal computer or the like equipped with a data processing function. When transaction data is received (n1), it is determined whether the transaction data exceeds a predetermined amount (n2). If the amount exceeds the specified amount, a warning will be printed (n4).
, otherwise print only the transaction history (n3)
.

FIG. 5 shows a flowchart when the management terminal device requests the host device to suspend card transactions online. In this case, a push button telephone or a personal computer can be used as the management terminal device. First, the host device 1 is connected to a public telephone line (n5), and an input is made to request registration of the transaction stop file (n6). This input can be determined, for example, as a sequence input of a predetermined numerical value and a # key. Next, the card number for requesting suspension of the transaction is input (n7). In this case, the person who has the authority to request the suspension of transactions on that card (the contract holder: the account holder)
In order to prove that the user is a user, the user may also enter the personal identification number of the user's card. After registration, the line is released (n8). By doing this, if the usage status of the family card or the like is not normal, the transaction can be immediately stopped.

In the above embodiment, a telephone number is stored in the host device 1 and a call is made from the host device to the management terminal device, but the telephone number of the management terminal device and the terminal device are stored in the credit card. It is also possible to memorize the type of transaction, etc., and make a direct call to the management terminal from the transaction processing terminal that performed the transaction. Such embodiments are shown in FIGS. 6 and 7.

FIG. 6 is a diagram showing the configuration of a transaction processing system according to an embodiment of the present invention. The CAT terminal device 21 used in this system has a function of making telephone calls to the management terminal devices 11, 12, etc. of credit cardholders in addition to the host device 20. Further, the credit card 5' used in the CAT terminal device 21 stores the telephone number of the management terminal device in the telephone number storage area 54a shown in FIG. The CAT terminal device 21 transmits the transaction data to the host device 20 via the public telephone line, and also calls the management terminal devices 11 and 12 using the telephone number read from the credit card 5' and transmits the transaction data by wire. .

FIG. 7 is a diagram showing a communication procedure between the CAT terminal device 21, the host device 20, and the management terminal device (telephone) 11. When a credit card is scanned by the CAT terminal device 21 at a store, a line is connected to the host device 1 to electronically transmit data such as a customer code, transaction amount data, and personal identification number. The host device searches for a file using these data and determines whether or not it can be traded. If the transaction is possible, a valid response is sent back to the CAT terminal device 21. CAT terminal device 2 that received a valid response
1, the transaction is completed by releasing the line with the host device 20, issuing a receipt, etc. After this C
The AT terminal device 21 connects a management terminal device to a telephone line based on the telephone number read from the credit card, and sends data such as transaction date, amount, item, card user, etc. to the management terminal device. to be sent by wire. After the transmission, the line will be released.

In a system with such a configuration, each CAT
Although the terminal device requires a data editing function, a facsimile function, a voice synthesis function, etc., it has the advantage that there is no need to change the specifications of the host device.

[0020] In the above two embodiments, it is not distinguished whether the credit card used for the transaction is the principal's card or the family card, but only the transaction data of the family card is sent to the management terminal device. It is also possible to do so.

[0021]

[Effects of the Invention] As described above, according to the transaction processing system of the present invention, even if the person using the transaction medium and the person managing the transaction are different, the administrator always monitors the usage status of the transaction medium. This has the advantage of being able to keep track of it and take prompt action when an abnormal usage situation occurs.

[Brief explanation of the drawing]

FIG. 1 is a diagram showing the configuration of a transaction processing device that is an embodiment of the present invention;

[Fig. 2] A diagram showing the structure of magnetic data of a credit card used in the transaction processing system.

[Figure 3] Diagram showing the processing procedure in the transaction processing system,

FIG. 4 is a flowchart showing the operation of the terminal device for managing the transaction processing system;

FIG. 5 is a flowchart showing the operation of the terminal device for managing the transaction processing system;

FIG. 6 is a diagram showing the configuration of another embodiment of the present invention;

[Figure 7
] A diagram showing the processing procedure of another embodiment.

[Explanation of symbols]

1-host device, 10-transaction terminal device, 11-facsimile device, 12-telephone, 5-credit card, 54
a-Telephone number storage area.

Claims (2)

[Claims] Claim 1: A transaction medium that stores at least customer identification data, a transaction processing device that receives the transaction medium and processes the transaction, and a host device that manages transaction data sent from the transaction processing device. A transaction processing system comprising: a telephone number storage means for storing a telephone number of a management terminal device of each customer; and a transaction processing system for managing the customer when transaction data is sent from the transaction processing device. a means for transmitting the transaction data by making a telephone call to a terminal device. Claim 2: A transaction medium that stores at least customer identification data and a telephone number of a management terminal device; a transaction medium that accepts the transaction medium, processes the transaction, and, after processing the transaction, calls the customer's management terminal device; 1. A transaction processing system comprising: a transaction processing device having means for transmitting transaction data over the Internet.