JPS62254267A - Terminal equipment for certification of card - Google Patents

Abstract

PURPOSE:To judge propriety for use of a card by transmitting the data specifying a customer to a host computer with no cut of a circuit in case the card is not certified in a normal way. CONSTITUTION:The data recorded on a credit card are read and sent to a host computer 2, the computer 2 decides the propriety for use of the card based on the received data and sends th result of certification to a card certifying terminal equipment 1 as long as the transaction is possible with the card. Then the transaction processing is carried out. While an input request is given to the equipment 1 for the name, the date of birth, etc. of the relevant customer if it is decided that the transaction is impossible with the card. Receiving the data on those name and date of birth, the computer 2 checks whether this received data is coincident or not with the filed data on the customer. If the customer's identity is confirmed, it is informed to the equipment 1 that the transaction is possible with the card.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a card authentication terminal device, and particularly to a card authentication terminal device that reads data recorded on a card and transmits it to a host computer for authentication. The present invention relates to a card authentication terminal device that processes transaction data in accordance with the requirements of the card authentication terminal device.

[Background Art] With the spread of credit cards, card authentication terminal devices are installed in each retail store. When processing credit card transactions using such a card authentication terminal device, the data recorded on the credit card is read by the card league, a communication line is connected, and the read data is sent to the credit card company's host computer. The information is transmitted to verify whether transaction processing using the credit card is possible. If authentication is possible, data indicating that authentication is possible is transmitted from the host computer to the card authentication terminal device.

The card authentication terminal device processes transaction data input from the keyboard only when authentication is successfully performed.

[Problems to be Solved by the Invention] Even when credit card data is transmitted from the card authentication terminal device to the host computer, the data read from the card is not clear, so the host computer makes a judgment as to whether or not the card can be used. You may receive a message saying that it is not possible. In such a case, the operator calls the credit card company to determine whether or not the credit card can be used. Therefore, the operator connects the line after reading the data recorded on the credit card using the card authentication terminal, and if a message is sent back indicating that the card cannot be used, the operator must connect the line again. It is necessary to make arrangements by telephone, and the line connection must be made twice.

This takes unnecessary time and increases customer waiting times (
However, the downside was that the line usage charges would also be high.

Therefore, the main purpose of the present invention is to conduct a conversation between a host computer and a card authentication terminal device to determine whether or not the card holder is a cardholder without disconnecting the line even when the result of card authentication is not normal. To provide a card authentication terminal device that can determine whether or not a card can be used by using a format.

[Means for Solving the Problems] The present invention includes a card reading means for reading data recorded on a card, a transmission means for transmitting the read data to a host computer to authenticate the card, In a card authentication terminal device equipped with an input means for inputting transaction data and a transaction processing means for processing the input transaction data in response to card authentication, the transaction processing means is operated by a host computer. When a card is not successfully authenticated, data for identifying the customer who owns the card is input from the input means, and the data is transmitted to the host computer by the transmission means. This is designed to determine whether or not transaction processing using a card is possible.

[Function] The card authentication terminal device of the present invention, when the card authentication is not normally performed by the host computer,
By transmitting data for identifying the customer who owns the card to a host computer without disconnecting the line, it is determined whether transaction processing is possible based on the data.

[Embodiments of the invention] FIG. 2 is a schematic block diagram of an embodiment of the present invention.

First, the configuration will be explained with reference to FIG.

The card authentication terminal device 1 and the host computer 2 are connected by a communication line 11. Card authentication terminal device 1
is the keyboard 3, card reader 4, CPU 5, and display 6
, a printer 7, a communication control section 8, a ROM 9, and a RAM 10. The keyboard 3 is configured to input transaction data on products purchased by a customer, as well as input data identifying the customer, such as the customer's name and date of birth.

A key input signal input from the keyboard 3 is given to the CPU 5.

The card reader 4 reads data recorded on a credit card, and the read data is sent to the CPU.
given to 5. The CPU 5 displays the data input from the keyboard 3 on the display 6, and also prints the data on the receipt using a printer. The communication control unit 8 is the communication line 1
1 to exchange data for card authentication with a host computer 2. ROM
9 stores in advance a program based on a flow diagram as shown in FIG. 1(a), which will be described later. RAM10 is for storing transaction data and the like.

FIG. 1 is a flowchart for explaining the specific operation of an embodiment of the present invention. In particular, FIG. 1(a) shows the operation of the card authentication terminal device, and FIG. 1(b) shows the operation of the card authentication terminal device. Shows the operation of the host computer.

Next, with reference to FIG. 15 and FIG. 2, a specific operation of an embodiment of the present invention will be described.

First, when a customer purchases a product and wishes to make a transaction using a credit card, the operator takes the customer's credit card, reads the data recorded on the credit card using the card reader 41; Enter the amount data of the product purchased by the customer. When the CPU 5 receives card data from the card reader 4 and a key input signal from the keyboard 3, the communication control unit 8 controls the communication line 1.
Connect 1. Then, the CPU 5 transmits the credit card data read by the card reader 4 to the host computer 2 via the communication control section 8 and the communication line 11.

The host computer 2 constantly determines whether or not data has been received from the card authentication terminal device 1, and when it determines that data has been received, it determines whether or not a credit card can be accepted based on the data. That is, the host computer 2 determines whether the card is stolen or lost and whether the customer's bank account identified by the credit card has a predetermined balance. If the transaction is possible, the authentication result is sent to the card authentication terminal device 1 via the communication line 11.
Send to. When the card authentication terminal device 1 receives data indicating that authentication is OK from the host computer 2,
The data input from the keyboard 3 is registered in the RAM 10 and transaction processing is performed.

However, if the host computer 2 determines that transactions using that card are not possible, the card authentication terminal device 1
send data to request the customer's name. When the card authentication terminal device 1 determines that the authentication is not OK, it determines whether a name input request has been made. If there is a request for input of a name, that fact is displayed on the display 6.

The operator looks at the display and inputs the customer's name from the keyboard 3. When data representing the customer's name is input from the keyboard 3, the CPU 5 transmits the data representing the name to the host computer 2 via the communication control section 8 and the communication line 11.

When the host computer 2 receives data representing the customer's name from the card authentication terminal device 1, it transmits data requesting input of the customer's date of birth.

When the card authentication terminal device 1 determines that the date of birth has been requested from the host computer 2, the card authentication terminal device 1 displays this on the display 6. The operator looks at the display, asks the customer for the date of birth, and inputs data indicating the date of birth from the keyboard 3.

When data indicating the customer's date of birth is input from the keyboard 3, the CPU 5 transmits the data to the host computer 2.

When the host computer 2 determines that data indicating the date of birth has been received, it checks whether the data matches the customer's data stored on file based on the transmitted data indicating the name and date of birth. Then, it is verified whether or not the person is the person in question.

If the person is the person in question, the card authentication terminal device 1 is notified that the transaction is possible, and if the person is not the person in question, the card authentication terminal device 1 is notified that the transaction cannot be made.

The card authentication terminal device 1 determines whether authentication is OK based on a signal from the host computer 2. If the authentication is not OK, error processing is performed, and if it is OK, transaction processing is performed and the series of operations ends.

[Effects of the Invention] As described above, according to the present invention, if the host computer cannot determine whether or not a transaction is possible based on the data read from the card, the card authentication terminal device can display the customer's name and date of birth. Transmit data that identifies the customer, such as the date, and based on the transmitted data,
Since we have made it possible to verify whether the cardholder is the cardholder, the operator can verify the identity of the cardholder while the line is connected, saving them the trouble of reconnecting the line. Line usage charges can also be reduced.

Moreover, since it is only necessary to input the customer's name, date of birth, etc. to verify whether the customer is the customer, the operation is simple and the line usage time is short. Therefore, the customer's waiting time can be shortened and the operator's operational errors can be reduced.

Furthermore, since there is no need for the operator to call the card company each time and have the staff verify the identity of the cardholder, it can contribute to labor savings.

[Brief explanation of drawings]

FIG. 1 is a flowchart for explaining the specific operation of an embodiment of the present invention. FIG. 2 is a schematic block diagram of an embodiment of the present invention. In the figure, 1 is a card authentication terminal device, 2 is a host computer, 3 is a keyboard, 4 is a card reader, and 5 is a C
PU, 6 is a display, 7 is a printer, 8 is a communication control unit, 9
10 is a ROM, 10 is a RAM, and 11 is a communication line.

Claims (1)

[Scope of Claims] Card reading means for reading data recorded on the card; transmission means for transmitting the read data to a host computer to authenticate the card; and means for inputting transaction data. and a transaction processing means for processing the input transaction data in response to the authentication of the card, wherein the transaction processing means is configured to process the input transaction data by the host computer. When the authentication of the card is not performed normally, in response to data for identifying the customer who owns the card being input from the input means, the data is transmitted to the host computer by the transmission means. 1. A card authentication terminal device, characterized in that the card authentication terminal device transmits information to the card to determine whether transaction processing using the card is possible.