JP2010128833A - Settlement processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve convenience and safety in a credit card settlement processing system. <P>SOLUTION: Credit card information is read before purchase operation in a settlement terminal. The card information is transmitted to a card settlement organization, credit is checked before deciding the amount settled in the card settlement organization. The credit result and identification information are transmitted to the settlement terminal. Only the amount settled is transmitted to the card settlement organization from the settlement terminal when the amount settled is decided, to complete settlement processing. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a transaction processing method in a payment terminal used by an unspecified number and having a credit card reading function.

  In recent years, with the rapid shift to a cashless society, the positioning of credit cards has become more important, and payments using credit cards have become commonplace. It is necessary to improve security in the flooding situation with one credit card.

  The problem to be solved is that a payment terminal used by an unspecified number of users generates credits that are not required for cash payment and data transmission / reception with a card payment agency at the time of payment. From the viewpoint of a credit card user, there arises a problem that the time from the settlement amount settlement to the settlement completion becomes longer than the cash settlement. Further, unlike cash, there is a problem that there is no way to instantly know the available card amount by subtracting the card usage amount up to the present time from the credit card usage limit of the possessed credit card.

  In the card settlement organization, the time required for the credit examination has to be transmitted to the settlement terminal instantly from the viewpoint of the convenience of credit card settlement, and there is a problem that the accuracy of credit inquiry cannot be increased.

  In addition, the camera for user shooting for crime prevention is operating every time a user comes or is always recording, and it takes a long time to identify unauthorized users. There is a problem of storing more media.

  The present invention reads the credit card information before the purchase operation at the payment terminal, transmits the card information to the card payment institution, performs the prior credit before the settlement amount is determined at the card payment institution, and the credit result and the identification information to the payment terminal. When the settlement amount is confirmed, only the settlement amount is transmitted from the settlement terminal to the card settlement organization to complete the settlement process.

  The payment terminal incorporates a camera for photographing the user of the payment terminal that can be operated from a card payment institution.

  As an effect of the present invention, the payment processing is completed without feeling the time required for the credit inquiry from the viewpoint of the payment terminal user by using the above-described payment processing, so that the time required for the payment can be shortened.

  In addition, the payment terminal user can know the available card amount when selecting a purchased item, and can purchase in consideration of the available card amount.

  In card payment institutions, it is possible to secure a time for credit inquiry by prior credit, and it is possible to check fraudulent use by confirming the payment terminal user with the camera for user photography built in the payment terminal. It is possible to prevent unauthorized users and identify them in a short time.

  In the payment terminal 1 used by an unspecified number of persons having the credit card reading unit 1a, the user first gives the credit card to the credit card reading unit 1a and reads the information recorded on the credit card, and then the payment terminal 1 Is used to proceed with the purchase process (FIG. 1, S101 to S103).

  The settlement terminal 1 responds to the purchase process of the user and simultaneously transmits the card information read by the credit card reading unit 1a to the card settlement organization 3 via the network 2 (S104 in FIG. 1).

  The card clearing institution 3 makes a credit inquiry based on the received card information, and transmits a credit result and identification information to the settlement terminal 1 via the network 2 (S201 to S204 in FIG. 1).

  In the payment terminal 1 that has received the credit result and the identification information, if the credit result is satisfactory, the card usable amount is displayed on the display unit 1b. The user can select a purchase option corresponding to the limit amount by knowing the available card amount displayed on the display unit 1b (S105 to S107 in FIG. 1).

  If the credit card read earlier in the credit result is determined to be a stolen card by the card settlement organization 3, the user's photographing camera 1c built in the settlement terminal 1 is used together with the transaction stoppage. Photographing is performed, and a transaction record is left in the recording area 1d (FIG. 1, S108 to S111, S205).

  If it is determined that there is a problem with the credit result, the user should confirm the user through the user photographing camera 1c built in the payment terminal 1 from the card payment institution side during the purchase process. Thus, the credit can be determined (FIGS. 1 S112 to S115, S206 to 208).

  The recording area 1d in the payment terminal 1 suppresses the capacity of the recording area 1d by photographing only when it is determined that there is a problem with the credit card utilization result of the credit card used.

  Finally, when the user determines the purchase item and final confirmation is completed, and the settlement fee is confirmed, the settlement terminal 1 transmits identification information and settlement information to the card settlement organization 3 via the network 2, and the card settlement organization 3 completes the settlement by receiving the identification information and the settlement information.

  However, if the payment fee exceeds the card usage limit received from the card clearing institution 3, the payment amount to the card clearing institution 3 is not transmitted, and the card usage amount is displayed on the display unit 1b to the purchaser. Notifying the excess, prompting the user to re-select the purchased item, and proceeding to the above-described settlement process when the settlement amount is equal to or less than the card usable amount (FIG. 1, S116 to S119, S209).

Payment processing system Processing flow. Cash processing system block diagram.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Payment terminal, 1a ... Credit card reading part, 1b ... Display part, 1c ... User photographing camera, 1d ... Storage area, 2 ... Network, 3 ... Card payment organization.

Claims (4)

  In a payment terminal that has a credit card reading function and is used by an unspecified number of people, credit card information generated with a card payment institution during operation by the user, that is, by performing credit in advance before the settlement amount is determined. It is possible to reduce the time from the start of use of the payment terminal to the completion of payment by performing the processing from transmission to reception of credit result and card identification information without making the user feel it. Payment processing system.   By receiving credit and identification information before payment at the payment terminal described above, the user can be notified of the credit card available amount at the time of purchase operation, and the purchase terminal can select a purchase item with a reduced payment amount. A payment processing system characterized in that   A payment processing system characterized in that, in the payment terminal described above, credit and identification information are received before payment, so that the user is photographed and left as evidence only when the credit card is determined to be a stolen credit card.   The above payment terminal has a camera for photographing the user of the credit card and sends the credit card information to the card payment institution before the payment, so that when the credit inquiry in the card payment institution is suspected, the payment terminal A payment processing system characterized in that it is possible to make a final credit decision by checking a user with a camera for photographing a user built in a payment terminal.

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