JP2522556B2 - Card processing equipment - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a card processing device used for an electronic cash register or the like that can process payment for a product sold by a credit card, for example.

[Prior Art] For example, an electronic cash register capable of processing payment of a product sold by a credit card incorporates a card processing device for determining whether or not the card can be used from card data recorded in the credit card. There is. This kind of electronic cash register has a card reader for reading the card data of a credit card, connects the host computer of the card issuing company online, and pays for the price of the product registered for sale by the product registration operation. When the payment is generated, the card reader reads the card data such as the company code (card issuing company) code and the member number recorded on the credit card brought by the customer. Then, the credit transaction data including the card data and the price of the sold product is transmitted to the host computer of the card issuing company to inquire whether or not the transaction is possible.

The host computer of the card issuing company is provided with a customer data file in which customer data such as a contracted customer's member number, an allowable amount, and an allowable balance obtained by subtracting the already spent amount from the allowable amount are stored. When the credit transaction data is received, the customer data file is searched, and it is confirmed that the member numbers match and that the price of the sold product does not exceed the corresponding allowable balance.
In addition, it is determined whether or not the card is an accident card by collating the membership number of the card that has been in an accident such as loss or theft with the accident card list. If the condition such as balance is satisfied and the card is not an accident card, a sales permission response is returned, and if the condition such as balance is not satisfied or if the card is an accident card, a sale not possible response is returned.

Therefore, the electronic cash register that receives the response message from the host computer displays the card data read by the card reader and the price of the sold product in the case of the sales license response, and the card slip for the credit card or the registration result of the sold product is displayed. The printed receipt is printed and the credit card transaction ends. On the other hand, if the response is unsuccessful, the fact is displayed or printed out, and the transaction proceeds to another transaction such as cash payment.

[Problems to be Solved by the Invention] As described above, in the prior art, the host computer of the card issuing company also determines whether or not the card used is an accident card. Therefore, even when the accident card is used, the host computer is always inquired, and there is a problem in that wasteful processing is required and customer service is deteriorated.

Therefore, the present invention intends to provide a card processing device capable of determining whether a used card is an accident card in a short time without inquiring to a host computer and preventing deterioration of customer service due to a long processing time. To do.

[Means for Solving the Problems] The present invention has a card reader for reading card data recorded on a card, and card processing for processing payment of goods based on the card data read by the card reader. In the device, a recording medium that stores an accident card list that records the card data of the accident card and the status that distinguishes the post-processing for the accident card, and this card data is recorded on the recording medium every time the card data of the card is read by the card reader. Card collating means for collating with the card data recorded in the accident card list of the above, and when the card data matching the card data exists in the accident card list by this collating means, the payment processing of the product using the card is disabled. Card data that matches the relevant card data in the accident card list And an accident card processing means for displaying a processing message according to the status corresponding to the data on the display.

Then, a list receiving means for receiving the accident card list sent online from the host computer via the transmission line, and a list writing means for writing the list data to the recording medium when the accident card list is received by the receiving means. It is desirable to provide it.

[Operation] In the present invention having such a configuration, when the card data of the card is read by the card reader, it is first collated with the accident card list recorded in the recording medium. When it is determined that the card is an accident card, the card cannot be used immediately and a message indicating the contents of the subsequent processing is displayed. Therefore, in the case of an accident card, it is not necessary to make an inquiry to the host computer, and the processing time is shortened.

[Embodiment] An embodiment in which the card processing device of the present invention is applied to a POS terminal in a POS (point of sale information) system will be described below with reference to the drawings.

FIG. 1 is a conceptual diagram of a POS system in this embodiment, in which one POS terminal 1 set as a master machine and a plurality of POS terminals 2 set as a satellite machine have high-level data. It is connected inline in a closed loop by a link control line (hereinafter HDLC line). A host computer 5 of a card issuing company is connected online to a POS terminal 1 set as a master machine via a dedicated line 4.

A card reader 6 and a floppy disk driver (hereinafter abbreviated as FDD) 7 are connected to each of the POS terminals 1 and 2 of the master / satellite. The card reader 6 is for reading card data recorded on a credit card issued by a card issuing company. The FDD 7 is for reading and writing data on a floppy disk as a recording medium, and the accident card list 8 shown in FIG. 2 is recorded on the floppy disk used in this embodiment. This accident card list 8 is a collection of card data (corporate code, member number) of a credit card, a so-called accident card, which may be illegally used due to loss or theft. A processing status 9 for distinguishing is provided.

FIG. 3 is a block diagram showing the configuration of the POS terminal 1 set in the master machine. Reference numeral 11 denotes a CPU (central processing unit) as a control unit main body, which has a built-in arithmetic circuit, memory control circuit, etc., and stores program data and the like.
It controls a ROM (Read Only Memory) 12 and a RAM (Random Access Memory) 13 in which a memory and the like for registering the sales data of the sales-registered products are formed. In addition, CPU11, "registration", "payment", "setting",
A selection signal from the mode switch 14 for selecting various business modes such as "master" is input at a predetermined timing. Further, the card reader 6, the FDD 7, the keyboard 15, the display 16, the printer 17, the communication interface 18
A modulation / demodulator (MODEM) / network controller (NCU) 19 is program-controlled by the CPU 11.

As shown in FIG. 4, the keyboard 15 has a numeric key 21 for inputting numerical data, an amount key 22 for indicating that the numerical data is the price of the product for sale, and a numerical data section for the product for sale. Department key indicating that it is a code
In addition to product registration keys such as 23, subtotal key 24 for calculating subtotal amount, current total key 25 for instructing closing of registration by cash transaction, card key for instructing closing of registration by credit card transaction Various function keys such as 26 are provided.

The display 16 is capable of electronically displaying various messages in addition to the amount of money or the total price of the products for sale keyed in.

The printer 17 prints data relating to transactions on receipts and slips.

The communication interface 18 transmits / receives data to / from each satellite machine 2 through the HDLC line 3 in a predetermined transmission procedure.

The MODEM / NCU 19 exchanges data with the host computer 5 via the dedicated line 4.

On the other hand, each POS terminal 2 set on the satellite machine
Has the same configuration as the POS terminal of the master machine, except that the "master" mode is not set as the business mode and that it does not have MODEM / NCU19, so the description here is omitted. .

Then, each PO of the master machine and satellite machine
In the S terminals 1 and 2, when the "registration" mode is selected by the mode switch 14 and the amount of sales product and the department code are input by the product registration key of the keyboard 15, this product sales data is sent to the RAM 13 Register to.
When the card key 26 is keyed in and an instruction to use a credit card for payment of the registered merchandise is issued, the program is controlled to execute the processing shown in FIG.

In other words, first, the insertion of a credit card into the card reader 6 is waited for, and when the card insertion is detected, the card data is read by the card reader 6. Next, the read card data is collated with the accident card list 8 recorded on the floppy disk inserted in the FDD 7.
And the read card data is the accident card list 8
If the credit card is present, the credit card is determined to be an accident card and its use is prohibited. Then, the corresponding processing status 9 of the accident card list 8 is checked. If the status 9 is "1", the display 16 displays a message instructing an inquiry to the card issuing company, and this card transaction is regarded as an error. If the status 9 is "2", a message to the effect that it is determined that the card transaction is impossible is displayed on the display 16 and this card transaction is regarded as an error.
If the status 9 is "3", a message instructing to pick up the card is displayed on the display unit 16 and this card transaction is regarded as an error.

On the other hand, when the card data read by the card reader 6 does not exist in the accident card list 8, a predetermined card transaction process is executed. That is, the credit transaction data message including the card data and the price of the registered product is edited.
Then, it is transmitted online to the host computer 5 of the card issuing company to inquire whether or not the card transaction is possible. At this time, in the case of the master machine 1, it is carried out only via the dedicated line 4, and in the case of the satellite machine 2, it is carried out via the HDLC line 3, the master machine 1 and the dedicated line 4.

Upon receiving the credit transaction data, the host computer 5 searches the customer data file and confirms that the member numbers match and that the price of the sold product does not exceed the corresponding allowable balance. Then, when the condition such as the balance is satisfied, the sales permission response is returned, and when the conditions are not satisfied, the sale prohibition response is returned.

Therefore, the POS terminals 1 and 2 that have received the response message online from the host computer 5 use the printer 17 to print the card data read by the card reader 6 and the price of the sale item if the response is a sales license response. It prints out on the receipt or the receipt on which the registration result of the sale item is printed, and ends the transaction by credit card. On the other hand, if the response is unsuccessful, the fact is displayed or printed out, and the transaction proceeds to another transaction such as cash payment.

On the other hand, the host computer 5 regularly creates the accident card list 8 and transmits it online to the master machine 1 via the dedicated line 5 (down line loading: DL
L). At this time, the master machine 1 is program-controlled so as to execute the processing shown in FIG. That is, when the transmission instruction of the accident card list 8 is input from the host computer 5, it is determined whether or not data can be currently received from the host computer 5. When another process is being executed and cannot be received, a negative (NAK) response is transmitted to the host computer 5, and this process ends.

On the other hand, if the data can be received, the accident card list data from the host computer 5 is received,
The accident card list 8 of the floppy disk inserted in FDD7 is rewritten with this received data. Further, the contents of the rewritten floppy disk are transmitted to each satellite machine 2 via the HDLC line 3. Each satellite machine 2
In, when the accident card list data is received via the HDLC line 3, the accident card list 8 of the floppy disk inserted in the FDD 7 of the self is rewritten.

In the POS terminals 1 and 2 of the present embodiment configured as described above, when a sale product is registered and a card transaction by a credit card occurs for payment of the registered product, the operator uses the customer's credit card as a card. The card 6 is inserted into the reader 6 and the card key 26 of the keyboard 15 is input. Then, the card data of the credit card is read by the card reader 6. Here, the accident card list 8 at the present time is recorded on the floppy disk inserted in the FDD7.
Whether or not the card data is an accident card is determined at S terminals 1 and 2. If it is not an accident card, the card transaction data is transmitted online to the host computer 5 of the card issuing company to inquire whether or not the card transaction is possible.

On the other hand, in the case of an accident card, the card transaction is immediately stopped. At this time, the message displayed on the display 16 differs depending on the processing status 9 set in the accident card list 8. That is, when the status 9 is "1", a message instructing an inquiry to the card issuing company is displayed, so that the operator immediately makes an inquiry to the card issuing company by telephone or the like. When the card transaction is permitted, the card transaction is executed by manual input, for example. When the status 9 is "2", a message to the effect that it is determined that the card transaction is impossible is displayed, so the operator notifies the customer of that fact and pays for the transaction other than the card transaction. When the status 9 is "3", a message instructing to pick up the card is displayed, and the operator follows the instruction.

In this way, the process of determining whether or not the credit card used for card transaction is an accident card does not need to inquire the host computer 5 and each POS terminal
Since it is performed in 1 and 2, if it is an accident card, it is sufficient to immediately stop the card transaction and perform post-processing in accordance with the displayed message, which can reduce wasteful waiting time. Therefore, the work efficiency can be improved and the customer service can be improved.

In this embodiment, the host computer 5 periodically sends the latest accident card list data to update the accident card list 8 in the floppy disk inserted in the FDD 7 of each POS terminal 1 and 2. It Therefore, the reliability of the accident card judgment is not impaired as compared with the case where the host computer 5 judges the accident card. Moreover, since the accident card list 8 is automatically updated, the burden on the operator is not increased.

In addition, since the floppy disk is easy to carry, even if the online connection with the computer 5 is disconnected, each floppy disk containing the latest accident card list 8 is recorded.
By directly attaching to FDD7 of POS terminals 1 and 2, it is possible to judge the accident card with the latest data.

The present invention is not limited to the above embodiment. For example, although a floppy disk is shown as the recording medium for recording the accident card list in the above-mentioned embodiment, the recording medium is not limited to this, and may be a hard disk or a magnetic tape.

Further, the present invention is not limited to the POS terminal, but can be applied to a single electronic cash register which is online connected to the host computer and has a card processing function. It may also be a card processing device that is not online connected to the host computer. Conventionally, since this type of card processing device cannot transmit and receive data in real time to and from a host computer, it is the actual situation that collation with an accident card is not performed. However, by applying the present invention, it becomes possible to collate an accident card. Moreover, since the time required for this verification is short, there is no fear that the entire processing will take a long time, and the verification of the accident card does not worsen the objectivity.

In addition, it goes without saying that various modifications can be made without departing from the spirit of the present invention.

[Effects of the Invention] As described in detail above, according to the present invention, a recording medium having accident card data recorded therein is provided, and card data read by a card reader is immediately collated with the accident card list. Therefore, whether or not the used card is an accident card and if it is an accident card can be determined in a short time without inquiring to the computer, and deterioration of customer service due to long processing is prevented. It is possible to provide a card processing device capable of doing so.

[Brief description of drawings]

FIG. 1 is a diagram showing an embodiment of the present invention, and FIG.
Conceptual diagram showing system configuration, Fig. 2 diagram showing accident card list, Fig. 3 block diagram of POS terminal, Fig. 4 key layout diagram of keyboard, Fig. 5 each POS
FIG. 6 is a flow chart showing the card transaction processing of the terminal, and FIG. 6 is a flow chart showing the accident card list data reception processing of the master machine. 1,2 …… POS terminal, 5 …… Host computer, 6
...... Card reader, 7 …… Floppy disk driver (FDD), 8 …… Accident card list, 9 …… Processing status, 11 …… CPU (central processing unit), 26 …… Card key.

Claims (2)

(57) [Claims] 1. A card processing device having a display and a card reader for reading card data recorded on a card, and processing payment of goods on the basis of the card data read by the card reader. Card data and a recording medium that stores an accident card list that records a status that distinguishes the post-processing for the accident card, and this card data is stored on the recording medium every time the card data of the card is read by the card reader. Card collating means for collating with the card data recorded in the list, and when the card data matching the card data is present in the accident card list by this collating means, the payment processing of the product using the card is disabled. Cards that match the card data in the accident card list A card processing device comprising: an accident card processing means for displaying a processing message corresponding to a status corresponding to data on the display. 2. A list receiving means for receiving an accident card list sent from a host computer connected online via a transmission line, and a list writing for writing the accident card list received by the receiving means on the recording medium. 2. The card processing device according to claim 1, further comprising means.