JP2005100009A - Credit card transaction system and terminal interlocking method for credit card transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent card rereading when rechecking credit, in a credit card transaction system interlocking a POS terminal and a card terminal to process a transaction by a card exhibited by a user. <P>SOLUTION: This credit card transaction system has the card terminal 1 and the POS terminal 2, encrypts card information read from the user's card by encryption algorithm particular to the card terminal, returns it to the POS terminal issuing a settlement request as transaction tag information, and sends a returned transaction tag of the credit card transaction to the card terminal from the POS terminal when the credit card transaction is newly required. A function preventing a plurality of times of card exhibition and reading can be accomplished while maintaining a security level. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  TECHNICAL FIELD The present invention relates to a credit card transaction system that performs a commercial transaction using a credit card and a terminal link method thereof, and in particular, a credit card transaction system that performs a commercial transaction using a credit card in conjunction with a terminal dedicated to credit card settlement processing and a POS terminal. And a terminal interlocking method thereof.

  With the spread of credit cards, credit card credit check has become an important issue. For this reason, a method of making a credit inquiry from the credit card terminal to the corresponding credit card company via the credit card information processing center from the credit card terminal is used.

In this credit card transaction system, there may be a system configuration in which a credit terminal having a specification determined by the credit card information processing center is provided separately from the POS terminal. In this system, the credit check of the user's credit card can be performed prior to the actual commercial transaction using the credit card, depending on the business type of the member store and the policy of the member store.

  9 and 10 are explanatory diagrams of a conventional credit card transaction system. A credit card terminal (hereinafter referred to as a card terminal) 62 connected to a credit information processing center 63 is connected to a POS (Point Of Sales) terminal 60. Interlocked.

  The credit information processing center 63 performs a credit check in response to a payment request from the card terminal 62. The POS terminal 60 performs product registration processing and slip issue processing. Here, merchandise registration processing by the credit card 30 is also performed. The card terminal 62 receives a credit card settlement request from the POS terminal 60, transmits a credit card settlement request to the credit information processing center 63, and receives a settlement response from the credit information processing center 63.

  In this system, credit transactions can be operated within a single transaction limit (referred to as a floor limit) determined by the member store as a credit card company, prior to actual commercial transactions, regardless of the transaction amount by credit card. The card transaction is permitted only with the credit check executed. On the other hand, if the transaction has a transaction amount exceeding the floor limit, the credit check is performed again with the transaction amount.

  Referring to FIG. 9, when the user selects payment with a card, the magnetic information of the magnetic stripe of the user's credit card 30 is read into the POS terminal 60 and the read data is encrypted. The transaction type, sales amount, payment method, etc. are input to the POS terminal 60. In this case, since it is a credit check prior to the actual commercial transaction, the sales amount is in an unconfirmed state, and here it is 1 yen. The POS terminal 60 creates a request message and transmits a transaction preparation request to the card terminal 62.

  The transaction preparation request message includes a header, a message A including transaction details, and a message Z including card information. The card terminal 62 receives the message, decrypts it, and notifies the POS terminal 60 of the completion of preparation. Thus, the POS terminal 60 erases the read magnetic information and transmits a settlement request to the card terminal 62 in order to maintain security.

  The card terminal 62 creates a payment request message by credit inquiry processing, and requests payment from the credit information processing center 63. The credit information processing center 63 performs credit check of the credit card included in the settlement request message, and responds with the settlement result.

  The card terminal 62 notifies the POS terminal 60 of the processing result by the completion processing, and erases the message Z (magnetic card information) for security. The processing result is composed of a header and a message C including the settlement content (credit is allowed or not).

  The POS terminal 60 displays the received credit result. The clerk refuses the card transaction if credit is not possible. On the other hand, if the credit is acceptable, the product is registered in the POS terminal 60, and sales registration processing including a floor limit check is performed. When the process is normally completed, the POS terminal 60 performs a sales slip output process, and issues a sales slip with a transaction amount (here, within the floor limit).

  On the other hand, if the processing does not end normally, if the processing such as transaction request exceeding the floor limit, cancellation of credit transaction, transaction retry due to communication abnormality, etc. is NG, the process moves to FIG. Makes a credit request again. At the POS terminal 60, the magnetic information of the magnetic stripe of the user's credit card 30 is read again, and the read data is encrypted. The transaction type, sales amount, payment method, etc. are input to the POS terminal 60. In this case, since the floor limit is exceeded, the sales amount is the actual purchase amount. The POS terminal 60 creates a request message and transmits a transaction preparation request to the card terminal 62.

  The transaction preparation request message includes a header, a message A including transaction details, and a message Z including card information. The card terminal 62 receives the message, decrypts it, and notifies the POS terminal 60 of the completion of preparation. Thus, the POS terminal 60 erases the read magnetic information and transmits a settlement request to the card terminal 62 in order to maintain security.

  The card terminal 62 creates a payment request message by credit inquiry processing, and requests payment from the credit information processing center 63. The credit information processing center 63 performs credit check of the credit card included in the settlement request message, and responds with the settlement result.

  The card terminal 62 notifies the POS terminal 60 of the processing result by the completion processing, and erases the message Z (magnetic card information) for security. The processing result is composed of a header and a message C including the settlement content (credit is allowed or not).

  The POS terminal 60 displays the received credit result. The clerk refuses the card transaction if credit is not possible. On the other hand, if credit is acceptable, the product is registered in the POS terminal 60 and sales registration processing is performed. When the process is normally completed, the POS terminal 60 performs a sales slip output process and issues a sales slip with a transaction amount (here, the floor limit may be exceeded).

  In this way, according to the policy of the credit card merchant, etc., when credit check of the user's credit card is performed prior to the commercial transaction, the credit check of the card settlement transaction can be performed because the credit check of the card can be confirmed before the commercial transaction. There is an advantage that it is secured, but when the following case occurs, it is necessary to have the credit card presented again by the user and to read the credit card (for example, see Patent Document 1).

(1) When a merchant has exceeded the transaction limit (floor limit) set with the credit card company,
(2) In the case of canceling a card transaction in which a credit check or the like was performed in order to cancel the transaction for any reason,
(3) A case where an abnormality such as a communication abnormality occurs and the credit card credit confirmation cannot be obtained and the operation is performed again.
JP-A-60-195667

  In this prior art, it is necessary for the user to present the credit card again (several times), which is troublesome for the user and causes a problem that the service of the member store is reduced.

  In order to solve this problem, it is conceivable that the magnetic information read by the credit card is held in the POS terminal or the card terminal for a certain period of time. In this case, the credit card information held in the terminal is There is a risk of unauthorized removal or leakage. In other words, one of the reasons for providing a separate card terminal is to prohibit the holding of card information after a single inquiry to the information processing center for security purposes.

  Accordingly, an object of the present invention is to enable credit card transactions without requiring re-reading of the same card by the same person even when a card check is required again in a payment transaction in a system for performing credit confirmation in advance. It is to provide a credit card transaction system and a terminal link method of the credit card transaction system.

  Another object of the present invention is that, in a system for performing a credit check in advance, even if a card check is required again for a settlement transaction, it is necessary to re-read the same card of the same person while maintaining the security level. The object is to provide a credit card transaction system for credit card transactions and a terminal link method of the credit card transaction system.

  Furthermore, another object of the present invention is to prevent the tampering of the same card by the same person even when the card check is required again in the settlement transaction in the system for performing credit confirmation in advance, and does not require the same person to re-read the same card. Another object of the present invention is to provide a credit card transaction system for performing a credit card transaction and a terminal link method of the credit card transaction system.

  In order to achieve this object, the credit card transaction system of the present invention is a card that performs payment processing of a card by communicating with a POS terminal that performs merchandise registration processing and a credit card information processing center associated with a card transaction of a user. The card terminal requests a credit check from the credit card information processing center based on the card information of the user read by the POS terminal or the card terminal, and the result of the credit check is sent to the card The information is transmitted to the POS terminal together with the encrypted tag information.

  In addition, the terminal link method of the present invention links a POS terminal that performs product registration processing associated with a user's card transaction and a card terminal that performs card payment processing by communicating with a credit card information processing center. In the terminal link method of a credit card transaction system for performing card transactions, the step of reading a user's card with the POS terminal or the card terminal, and the card terminal using the card information of the read user, the credit Requesting a credit information processing center to make a credit check, and transmitting the result of the credit check to the POS terminal together with tag information obtained by encrypting the card information.

  Further, in the present invention, preferably, the POS terminal performs sales processing of the card based on the result of the credit check, and when the credit processing of the card is required again, the POS terminal is input to the POS terminal. The card transaction content and the tag information received from the card terminal are transmitted to the card terminal, and the card terminal decrypts the tag information and requests a credit check from the credit card information processing center. .

  In the present invention, it is preferable that the card terminal deletes the tag information inside after transmitting the tag information.

  In the present invention, it is preferable that the POS terminal reads the user's card and transmits the read card information to the card terminal.

  In the present invention, it is preferable that the POS terminal deletes the internal card information after transmitting the card information.

  In the present invention, it is preferable that the card terminal reads the user's card, and credits the credit card information processing center to the credit card information processing center according to the read card information of the user in response to a settlement request from the POS terminal. Ask for a check.

  In the present invention, it is preferable that the card terminal deletes the card information and the tag information after transmitting the result of the credit check together with the tag information obtained by encrypting the card information to the POS terminal. .

  In the present invention, when a credit check of a user's credit card is performed prior to a commercial transaction, the credit check of the card can be confirmed before the commercial transaction. The card information is encrypted using the encryption algorithm, and returned to the POS terminal as transaction tag information, and when the credit card transaction is required again, the transaction tag returned from the POS terminal is returned to the card. Since it is sent to the terminal, it is not necessary to present and read the card a plurality of times, and the user only needs to present the card once.

  Further, since the POS terminal or the like encrypts and returns the card information so that it cannot be decrypted, it can be achieved while maintaining the security level. For example, even if transaction tag information is illegally acquired at a POS terminal, the content cannot be decoded and the security level can be maintained.

  Hereinafter, embodiments of the present invention will be described in the order of the first embodiment, the second embodiment, and other embodiments of the credit card transaction system.

[First Embodiment of Credit Card Transaction System]
1 is a block diagram of a credit card transaction system according to an embodiment of the present invention, FIG. 2 is a block diagram of the credit card transaction system of FIG. 1, and FIGS. 3 and 4 are diagrams of the system of FIGS. It is explanatory drawing of a credit card payment process.

  As shown in FIG. 1, the credit information processing center 3 performs credit card credit check in response to a credit / settlement request from the card terminal (CCT) 1 via the router 5. The POS terminal 2 is connected to the card terminal 1 via a LAN (Local Area Network) 6 and performs product registration processing and slip issuing processing using a credit card. The card terminal 1 receives a credit card settlement request from the POS terminal 2, transmits a credit card settlement request to the credit information processing center 3, and receives a settlement response from the credit information processing center 3.

  In this system, the operation form of credit transactions is prior to the actual commercial transaction, regardless of the transaction amount by credit card, as long as the merchant is within the limit of one transaction (called floor limit) determined by the credit card company. Credit card is allowed only by credit check. On the other hand, if the transaction has a transaction amount exceeding the floor limit, the credit check is performed again with the transaction amount.

  FIG. 2 is a block diagram of the POS terminal 2, the card terminal 1, and the credit information processing center (payment information processing center or credit card company center) 3 of FIG. As shown in FIG. 2, the POS terminal 2 includes a CPU 20 that executes a POS application program 28, a memory 21, a communication control unit 22 with the LAN 6, a display unit 23, a key input unit 24, and a slip output unit that controls the slip printer 7. 25, a file control unit 26 for controlling the file device 27, and a magnetic card input unit 29.

  The card terminal 1 includes a CPU 10 that executes a credit card settlement processing program 19, a memory 11, a communication control unit 12 with the LAN 6, a communication control unit 13 for connection with the credit information processing center 3, and encryption of credit card data. A cryptographic processing mechanism 18 is provided.

  The card transaction processing using the POS application program 28, the credit card settlement processing program 19, and the cryptographic processing mechanism 18 will be described with reference to FIGS.

  (S10) When the user selects payment by card, the magnetic card input unit 24 of the POS terminal 2 reads the magnetic information of the magnetic stripe of the user's credit card 30 and encrypts the read data. The transaction type, the sales amount, the payment method, and the like are input by the key input unit 24 of the POS terminal 2. In this case, since there is only a credit check prior to the actual commercial transaction, the sales amount is in an unconfirmed state, and here it is 1 yen. The CPU 20 of the POS terminal 2 creates a request message and transmits a transaction preparation request to the card terminal 1.

  (S12) This transaction preparation request message includes a header, a message A including transaction details, and a message Y including card information. The card terminal 1 receives the message, decrypts it, and notifies the POS terminal 2 of the completion of preparation. Thus, the POS terminal 2 deletes the read magnetic information and transmits a settlement request to the card terminal 1 in order to maintain security.

  (S14) The card terminal 1 creates a payment request message by credit inquiry processing, and requests payment from the credit information processing center 3. The credit information processing center 3 performs a credit check of the credit card included in the settlement request message and responds with the settlement result.

  (S16) The card terminal 1 creates a transaction tag through a completion process. The transaction tag is obtained by encrypting credit card information that has undergone settlement processing using an encryption algorithm (for example, an encryption key and DES) that can be understood only by a card terminal. The contents of this transaction tag cannot be decrypted (deciphered) externally including a POS terminal. The card terminal 1 notifies the POS terminal 2 of the processing result, and erases the message Z (magnetic card information) for security. This processing result is composed of a message C including a header and settlement contents (credit is permitted or not) and a message Z which is transaction tag information.

  (S18) The POS terminal 2 displays the received credit result. The clerk refuses the card transaction if credit is not possible. On the other hand, if the credit is acceptable, the merchandise is registered in the POS terminal 2 from the key input unit 24 or the like, and sales registration processing including a floor limit check is performed. When the process is normally completed, the POS terminal 2 performs a sales slip output process and controls the slip printer 7 via the slip output unit 25 to obtain the sales slip 32 of the transaction amount (here, within the floor limit). Issue.

  (S20) On the other hand, if the processing does not end normally, if the processing such as transaction request exceeding the floor limit, cancellation of credit transaction, transaction retry due to communication abnormality, etc. is NG, FIG. The clerk makes a credit request again. The POS terminal 2 requires a re-card transaction with the user's credit card 30, but a request message is created by inputting the transaction type, the sales amount, the payment method, and the like to the POS terminal 2. In this case, since the floor limit is exceeded, the sales amount is the actual purchase amount. The POS terminal 2 creates a request message using the transaction tag information as card information, and transmits a transaction preparation request to the card terminal 1. The transaction preparation request message includes a header, a message A including transaction details, and a message Z that is transaction tag information.

  (S22) The card terminal 1 receives the message, decrypts it by the cryptographic processing mechanism 18, and notifies the POS terminal 2 of the completion of preparation. As a result, the POS terminal 2 transmits a settlement request to the card terminal 1.

  (S24) The card terminal 1 creates a payment request message (including credit data obtained by decrypting the tag information) by the credit inquiry process, and requests the credit information processing center 3 for payment. The credit information processing center 3 performs a credit check of the credit card included in the settlement request message and responds with the settlement result.

  (S26) The card terminal 1 creates a transaction tag through a completion process. The transaction tag is obtained by encrypting credit card information that has undergone settlement processing using an encryption algorithm (for example, an encryption key and DES) that can be understood only by a card terminal. The card terminal 1 notifies the POS terminal 2 of the processing result and deletes the transaction tag related information (magnetic card information) for security. This processing result is composed of a message C including a header and settlement contents (credit is permitted or not) and a message Z which is transaction tag information.

  (S28) The POS terminal 2 displays the received credit result. The clerk refuses the card transaction if credit is not possible. On the other hand, if credit is acceptable, the product is registered in the POS terminal 2 and sales registration processing is performed. When the process is normally completed, the POS terminal 2 performs a sales slip output process and issues a sales slip 32 of the transaction amount (here, the floor limit may be exceeded).

  In this way, according to the policy of the credit card merchant, etc., when credit check of the user's credit card is performed prior to the commercial transaction, the credit check of the card settlement transaction can be performed because the credit check of the card can be confirmed before the commercial transaction. The advantage of being secured can be achieved without requiring the user to present the credit card again and read the credit card.

  Also, for example, when an encryption key, DES, and card information are encrypted with an encryption algorithm unique to the card terminal 1 and returned to the POS terminal as transaction tag information, and a credit card transaction is required again, the POS terminal Since the transaction tag returned from the credit card transaction is sent to the card terminal, it is possible to achieve the function of preventing the card presentation and reading multiple times while maintaining the security level. For example, even if transaction tag information is illegally acquired at a POS terminal, the content cannot be decoded and the security level can be maintained.

[Second Embodiment of Credit Card Transaction System]
5 is a block diagram of a credit card transaction system according to another embodiment of the present invention, FIG. 6 is a block diagram of the credit card transaction system of FIG. 5, and FIGS. 7 and 8 are systems of FIGS. It is explanatory drawing of a credit card payment process.

  As shown in FIG. 5, the credit information processing center 3 performs credit card credit check in response to a credit and settlement request of the card terminal (CCT) 1 via the router 5 and the access point 4. In this embodiment, as will be described with reference to FIG. 6, the card terminal 1 includes a card reader, a key input unit, and a display unit, and is connected to the access point 4 via a wireless LAN.

  The POS terminal 2 is connected to the card terminal 1 via a LAN (Local Area Network) 6 and performs product registration processing and slip issuing processing. The card terminal 1 performs a credit card settlement process, transmits a credit card settlement request to the credit information processing center 3, and receives a settlement response from the credit information processing center 3. Then, a credit transaction is performed in conjunction with the POS terminal 2.

  In this system, the credit transaction operation form is within the limit of one transaction (floor limit) determined by the member store as a credit card company. Prior to the actual transaction, regardless of the credit card transaction amount. Card transactions are permitted only with the credit check executed. On the other hand, if the transaction has a transaction amount exceeding the floor limit, the credit check is performed again with the transaction amount.

  6 is a block diagram of the POS terminal 2, the card terminal 1, and the credit information processing center (payment information processing center or credit card company center) 3 of FIG. As shown in FIG. 6, the POS terminal 2 includes a CPU 20 that executes a POS application program 28, a memory 21, a communication control unit 22 with the LAN 6, a display unit 23, a key input unit 24, and a slip output unit that controls the slip printer 7. 25. A file control unit 26 for controlling the file device 27 is provided.

  As described with reference to FIG. 5, the card terminal 1 includes the CPU 10 that executes the credit card settlement processing program 19, the memory 11, the communication control unit 12 with the LAN 6, and the communication control for connection with the credit information processing center 3. Unit 13, a key input unit 14, an IC card input / output unit 15, a display unit 16, a magnetic card input unit 17, and an encryption processing mechanism 18 for encrypting credit card data.

  That is, in this embodiment, the card terminal 1 performs credit card reading and settlement processing.

  The card transaction processing using the POS application program 28, the credit card settlement processing program 19, and the cryptographic processing mechanism 18 will be described with reference to FIGS.

  (S30) When the user selects payment by card, the magnetic card input unit 17 of the card terminal 1 reads the magnetic information of the magnetic stripe of the user's credit card 30 and determines the card data.

  (S32) On the other hand, the card credit processing request is selected by the key input unit 24 of the POS terminal 2, and the transaction type, the sales amount, the payment method, and the like are input. In this case, since it is a credit check prior to the actual commercial transaction, the sales amount is in an unconfirmed state, and here it is 1 yen. The CPU 20 of the POS terminal 2 creates a request message and transmits a transaction preparation request to the card terminal 1.

  (S34) The message of this transaction preparation request is composed of a header and a message A including transaction details, and does not include a message Z including card information. The card terminal 1 receives the electronic message and notifies the POS terminal 2 of the completion of preparation. In response to this, the POS terminal 2 transmits a settlement request to the card terminal 1.

  (S36) The card terminal 1 creates a payment request message (including magnetic information and message A) by the credit inquiry process, and requests the credit information processing center 3 for payment. The credit information processing center 3 performs a credit check of the credit card included in the settlement request message and responds with the settlement result.

  (S38) The card terminal 1 creates a transaction tag by the completion process. The transaction tag is obtained by encrypting credit card information that has undergone settlement processing using an encryption algorithm (for example, an encryption key and DES) that can be understood only by a card terminal. The contents of this transaction tag cannot be decrypted (deciphered) externally including a POS terminal. The card terminal 1 notifies the POS terminal 2 of the processing result and erases the read magnetic card information for security. This processing result is composed of a message C including a header and settlement contents (credit is permitted or not) and a message Z which is transaction tag information.

  (S40) The POS terminal 2 displays the received credit result. The clerk refuses the card transaction if credit is not possible. On the other hand, if the credit is acceptable, the merchandise is registered in the POS terminal 2 from the key input unit 24 or the like, and sales registration processing including a floor limit check is performed. When the process is normally completed, the POS terminal 2 performs a sales slip output process and controls the slip printer 7 via the slip output unit 25 to obtain the sales slip 32 of the transaction amount (here, within the floor limit). Issue.

  (S42) On the other hand, if the processing does not end normally, if the processing such as transaction request exceeding the floor limit, cancellation of credit transaction, transaction retry due to communication abnormality, etc. is NG, FIG. The clerk makes a credit request again. The POS terminal 2 requires a re-card transaction with the user's credit card 30, but a request message is created by inputting the transaction type, the sales amount, the payment method, and the like to the POS terminal 2. In this case, since the floor limit is exceeded, the sales amount is the actual purchase amount. The POS terminal 2 creates a request message using the transaction tag information as card information, and transmits a transaction preparation request to the card terminal 1. The transaction preparation request message includes a header, a message A including transaction details, and a message Z that is transaction tag information.

  (S44) The card terminal 1 receives the message, decrypts it by the cryptographic processing mechanism 18, and notifies the POS terminal 2 of the completion of preparation. As a result, the POS terminal 2 transmits a settlement request to the card terminal 1.

  (S46) The card terminal 1 creates a payment request message (including credit data obtained by decrypting the tag information) by the credit inquiry process, and requests the credit information processing center 3 for payment. The credit information processing center 3 performs a credit check of the credit card included in the settlement request message and responds with the settlement result.

  (S48) The card terminal 1 creates a transaction tag by the completion process. The transaction tag is obtained by encrypting credit card information that has undergone settlement processing using an encryption algorithm (for example, an encryption key and DES) that can be understood only by a card terminal. The card terminal 1 notifies the POS terminal 2 of the processing result and deletes the transaction tag related information (magnetic card information) for security. This processing result is composed of a message C including a header and settlement contents (credit is permitted or not) and a message Z which is transaction tag information.

  (S50) The POS terminal 2 displays the received credit result. The clerk refuses the card transaction if credit is not possible. On the other hand, if credit is acceptable, the product is registered in the POS terminal 2 and sales registration processing is performed. When the process is normally completed, the POS terminal 2 performs a sales slip output process and issues a sales slip 32 of the transaction amount (here, the floor limit may be exceeded).

  In this way, according to the policy of the credit card merchant, etc., when credit check of the user's credit card is performed prior to the commercial transaction, the credit check of the card settlement transaction can be performed because the credit check of the card can be confirmed before the commercial transaction. The advantage of being secured can be achieved without requiring the user to present the credit card again and read the credit card.

  Also, for example, when an encryption key, DES, and card information are encrypted with an encryption algorithm unique to the card terminal 1 and returned to the POS terminal as transaction tag information, and a credit card transaction is required again, the POS terminal Since the transaction tag returned from the credit card transaction is sent to the card terminal, it is possible to achieve the function of preventing the card presentation and reading multiple times while maintaining the security level. For example, even if transaction tag information is illegally acquired at a POS terminal, the content cannot be decoded and the security level can be maintained.

[Other embodiments]
In the above-described embodiment, the credit card is described as a magnetic card, but other card media such as an IC card and an optical card can be applied. Similarly, the POS terminal is not limited to the single-function POS terminal of the embodiment, and may be anything that can perform so-called product registration processing.

  In addition, in the case where the credit check of the user's credit card is performed prior to the business transaction, even when the credit check of the user's credit card is performed after the product registration is completed and the purchase amount is confirmed, Even if you cancel a card transaction for which you performed a credit check to cancel the transaction for some reason, or if an abnormality such as a communication error occurs, you can not confirm the credit card credit, and try again, The method of the present application can be applied.

  As mentioned above, although this invention was demonstrated by embodiment, in the range of the meaning of this invention, this invention can be variously deformed, These are not excluded from the scope of the present invention.

  (Additional remark 1) It has a POS terminal which performs merchandise registration processing accompanying a card transaction of a user, and a card terminal which communicates with a credit card information processing center and performs card settlement processing. A credit check is requested to the credit card information processing center based on the card information of the user read by the POS terminal or the card terminal, and the result of the credit check is sent to the POS terminal together with the tag information obtained by encrypting the card information. A credit card transaction system, characterized in that

  (Appendix 2) The POS terminal performs sales processing of the card based on the result of the credit check, and when the credit processing is necessary again, the card transaction content input to the POS terminal; The tag information received from the card terminal is transmitted to the card terminal, and the card terminal decrypts the tag information and requests a credit check from the credit card information processing center. Credit card transaction system.

  (Supplementary note 3) The credit card transaction system according to supplementary note 1, wherein the card terminal erases the tag information inside after transmitting the tag information.

  (Supplementary note 4) The credit card transaction system according to supplementary note 2, wherein the POS terminal reads the user's card and transmits the read card information to the card terminal.

  (Supplementary note 5) The credit card transaction system according to supplementary note 4, wherein the POS terminal deletes the internal card information after transmitting the card information.

  (Supplementary Note 6) The card terminal reads the user's card and requests a credit check from the credit card information processing center based on the read card information of the user in response to a settlement request of the POS terminal. 2. The credit card transaction system according to appendix 1.

  (Appendix 7) The card terminal deletes the card information and the tag information after transmitting the result of the credit check together with the tag information obtained by encrypting the card information to the POS terminal. Appendix 6 credit card transaction system.

  (Appendix 8) Credit for card transactions in conjunction with a POS terminal that performs merchandise registration processing and a card terminal that communicates with the credit card information processing center and performs card settlement processing in association with the card transaction of the user In the terminal linking method of the card transaction system, a step of reading a user's card by the POS terminal or the card terminal, and the card terminal credits the credit card information processing center based on the read card information of the user. A terminal interlocking method for a credit card transaction system, comprising: requesting a check; and transmitting the result of the credit check to the POS terminal together with tag information obtained by encrypting the card information.

  (Supplementary Note 9) The POS terminal performs the card sales process based on the result of the credit check, and the card transaction input to the POS terminal when the credit process of the card is required again. Transmitting the contents and the tag information received from the card terminal to the card terminal, and the card terminal decrypting the tag information and requesting a credit check from the credit card information processing center. The terminal interlocking method for a credit card transaction system according to appendix 8, further comprising:

  (Supplementary note 10) The credit card transaction system terminal interlocking method according to supplementary note 8, further comprising the step of erasing the tag information inside the card terminal after transmitting the tag information.

  (Supplementary note 11) The credit card transaction system according to supplementary note 9, wherein the reading step includes a step in which the POS terminal reads the user's card and transmits the read card information to the card terminal. Device linkage method.

  (Supplementary note 12) The terminal interlocking method for a credit card transaction system according to Supplementary note 11, wherein the reading step includes a step in which the POS terminal erases the internal card information after transmitting the card information.

  (Additional remark 13) The said reading step has the step in which the said card terminal reads the said user's card | curd, and the said credit request | requirement step corresponds to the payment request | requirement of the said POS terminal, and the card information of the said read user The credit card transaction system terminal interlocking method according to appendix 8, further comprising: requesting a credit check from the credit card information processing center.

  (Supplementary Note 14) The step of transmitting the credit result includes the step of transmitting the credit check result to the POS terminal together with the tag information obtained by encrypting the card information, and then transmitting the credit information to the POS terminal. The terminal interlocking method of the credit card transaction system according to appendix 13, characterized by including a step of erasing information.

  In this way, when a credit check of a user's credit card is performed prior to a commercial transaction, the credit card is confirmed before the commercial transaction, so the credit guarantee of the card settlement transaction is secured. This can be achieved without the need to present the credit card again or read the credit card from the person.

  In addition, the encryption algorithm peculiar to the card terminal, for example, encrypts the encryption key, DES, and card information, returns it to the POS terminal as transaction tag information, and when the credit card transaction is required again, from the POS terminal Since the transaction tag returned for the credit card transaction is sent to the card terminal, the function of preventing the card presentation and reading multiple times can be achieved while maintaining the security level.

It is a block diagram of the credit card transaction system of one embodiment of this invention. It is a block diagram of the credit card transaction system of FIG. It is explanatory drawing of the credit check process of embodiment of FIG.1 and FIG.2. It is explanatory drawing of the credit recheck process of embodiment of FIG.1 and FIG.2. It is a block diagram of the credit card transaction system of other embodiment of this invention. It is a block diagram of the credit card transaction system of FIG. It is explanatory drawing of the credit check process of embodiment of FIG.5 and FIG.6. It is explanatory drawing of the credit recheck process of embodiment of FIG.5 and FIG.6. It is explanatory drawing of the conventional credit check. It is explanatory drawing of the conventional credit recheck.

Explanation of symbols

1 Card terminal 2 POS terminal 3 Credit card information processing center 4 Access point 5 Router 6 LAN
7 slip printer 10, 20 CPU
11, 21 Memory 12, 13, 22 Communication control unit 14, 24 Key input unit 16, 23 Display unit 15, 17, 29 Card input unit 18 Cryptographic processing mechanism 19 Credit card payment processing program 28 POS application program

Claims (5)

A POS terminal that performs merchandise registration processing associated with the card transaction of the user,
A card terminal that communicates with the credit card information processing center and performs card payment processing;
The card terminal requests a credit check from the credit card information processing center based on the card information of the user read by the POS terminal or the card terminal, and the result of the credit check is a tag obtained by encrypting the card information. A credit card transaction system, which is transmitted together with information to the POS terminal. The POS terminal performs sales processing of the card based on the result of the credit check, and when credit processing is required again with the card,
The card transaction content input to the POS terminal and the tag information received from the card terminal are transmitted to the card terminal, and the card terminal decrypts the tag information, and the credit card information processing center The credit card transaction system according to claim 1, wherein a credit check is requested to. The credit card transaction system according to claim 1, wherein the card terminal deletes the tag information inside after transmitting the tag information. A credit card transaction system that performs card transactions in conjunction with a POS terminal that performs product registration processing associated with a user's card transaction and a card terminal that performs card payment processing by communicating with the credit card information processing center. In the terminal link method,
Reading the user's card at the POS terminal or the card terminal;
The card terminal requesting a credit check from the credit card information processing center according to the read card information of the user;
Transmitting the result of the credit check to the POS terminal together with the tag information obtained by encrypting the card information. A terminal interlocking method for a credit card transaction system, comprising: The POS terminal performs sales processing of the card based on the result of the credit check, and when the credit processing is required again with the card, the card transaction content input to the POS terminal, Transmitting the tag information received from the card terminal to the card terminal, and further, the card terminal decrypting the tag information and requesting a credit check from the credit card information processing center. The terminal interlocking method for a credit card transaction system according to claim 4, wherein:

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