JP2568256B2 - Card terminal - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial field of use] The present invention relates to a card terminal device arranged in each store in a card settlement system capable of paying for purchased goods using a cash card and a credit card. .

[Prior Art] At present, it is possible to pay the purchase price with a credit card at many stores. When selling products with such a credit card, a card terminal device directly connected to a host computer of a card issuing company of each credit card that can be handled at this store by a telephone line is used.
Then, the card information of the credit card brought by the customer is read by the card reader, and the sales amount is keyed in from the keyboard. Then, a double credit slip is issued. In some cases, it is necessary to enter the reef number.

When the amount of credit payment exceeds the specified amount, credit inquiries are made to the credit card issuing company for the relevant credit card. Then, when a sales permission (credit) response to the card is obtained from the card issuing company, a sales process using the card is performed. Then, the payment will be settled between the card issuing company and the customer at a later date.

In addition to the above card payment system using a credit card, a card payment system has been proposed in which each purchase price is paid directly using a cashier card issued by a financial institution to a customer who has an account. . According to this system, each product is equipped with a card terminal equipped with a card reader for reading the card information of a cash card, and a card center connected to the host computer of each financial institution via a data line is provided. Each card terminal installed in each store at the center is connected using a telephone line.

Then, when sales using the cash card occur at each store, the sales amount is entered by using the numeric keys and the set key of the keyboard, the card information of the cash card is read by the card reader, and then the customer is input by the keypad. Have your PIN entered. Then, when the execute key is finally operated by a key, transmission work of the deduction data including the read card information and the sales amount to the card center is started. That is, when an automatic dial operation is started for the card center and a call loop is formed between the card terminal device and the card center, the withdrawal data is transmitted to the card center.

The card center calls the host computer of the financial institution included in the received card information and deducts the sales amount from the account of the account number designated by the card information. And
Return the end signal to the relevant card terminal. If the balance of the relevant account is less than the payment amount, the information that the card cannot be used is returned to the relevant card terminal.

Therefore, of course, there is a demand from the store side to develop a card terminal device that can handle both credit cards and cash cards.

[Problems to be Solved by the Invention] However, the card terminal device in which each function for executing sales processing by each card having completely different properties is independently incorporated in one device has the following problems. It was

That is, as described above, since the processing contents are different between the credit card and the cash card, the sales operation procedure in the card terminal device is different between the credit card and the cash card. Therefore, the operator must immediately determine whether the card brought by the customer is a credit card or a cash card and perform a sales operation corresponding to the card type. However, since the design of the card differs for each financial institution and each card issuing company, it often happens that the operator cannot immediately determine the card type. There is also a concern that the sales registration operation will be started with the wrong card type.

In addition, since the card terminals installed in each store and the card center are connected by a telephone line, the card center is called by an automatic dial operation every time a customer uses a cash card to make a sale. Then, a call loop is formed, and when the preparation for data transmission is completed between the card center and the card terminal, the withdrawal data is started to be transmitted from the card terminal device side.

Therefore, the time required from the key operation of the execution key to the actual start of data transmission becomes long, and the customer and the operator of the card terminal device have to wait for a long time. In particular, when the card terminal device is remote from the card center, the automatic dialing operation takes a long time. Therefore, the work efficiency of the accounting work when this card terminal device is used is reduced.

However, in case of credit card sales,
Whether or not to send the credit data to the card issuing company is determined according to the sales amount. Therefore, wait for the key operation of the execution key indicating the end of the sales operation, and if necessary, the host computer of the corresponding card issuing company. Must start the automatic dialing action for.

The present invention has been made in view of such circumstances, and an object thereof is to automatically determine a card type of a card inserted in a card reader and transmit data at a timing corresponding to the card type. By starting the operation, it is possible to suppress the occurrence of erroneous operations, reduce the burden on the operator, greatly improve the work efficiency of sales operations, shorten the waiting time for customers, and improve the service to customers. To provide.

[Means for Solving the Problems] In order to solve the above problems, the present invention is directed to a cash card 2 inserted in a card reader 1 as shown in FIG.
The host computer of the financial institution 3 specified by is called by one card center 4 connected via the telephone line, and the sales amount keyed in from the keyboard 5 is withdrawn from the account of the financial institution specified by the cash card. With the credit card 6 inserted in the card reader
A card terminal device for directly calling the host computer of the card issuing company 7 specified by the above through a telephone line to transmit the sales amount and the card information, and to judge the card type of the card inserted in the card reader. In response to the cash card judgment made by the means 8 and the card type judgment means, dialing is started to a card center connected through a telephone line, and a call loop is formed between the card center and the card center. Withdrawal data including the card information read by the card reader and the input sales amount in response to the end of the sales operation by the cash card and the preceding dial means 9 that holds the loop, and send it to the card center that holds the call loop. In response to the withdrawal data transmission means 10 and the end of sales operation with a credit card In response to the amount judgment means 11 for judging whether or not the upper amount of money is more than the specified amount and the amount of money specified by the amount judgment means or more, the host computer of the card issuing company designated by the card information is called to obtain the card information and sales. And a credit data transmitting means 12 for transmitting credit data including an amount of money.

[Operation] In the card terminal configured as described above, when the card is inserted into the card reader, the card type of the card is immediately determined. If it is a cash card, automatic dialing to the card center is started at that time, and when a call loop is formed between this card terminal device and the card center, the call loop is held. That is, when the cash card is used, it is necessary to unconditionally transmit the debit data to the card center, so that the calling operation to the card center can be started even before the end of the sales operation.

Then, if the call loop is formed at the time when the sales operation is completed, the withdrawal data is immediately started to be transmitted.
In addition, sales operations such as entering the sales amount are executed promptly,
If the call loop is not yet formed at the end of the sales operation, the withdrawal data is naturally transmitted after waiting for the call loop to be formed. That is, the waiting time from the end of the sales operation to the input of the response to the transmission data is reduced.

On the other hand, if the card inserted in the card reader is a credit card, and if the amount of sales exceeds the specified amount at the end of all sales operations, dialing the host computer of the card issuing company of the relevant credit card at this point. Is started. Then, the credit data is transmitted when the call loop is formed.

In this way, the sales work efficiency of the entire card terminal device is improved by adjusting the data transmission timing in accordance with the card type.

[Embodiment] An embodiment of the present invention will be described below with reference to the drawings.

FIG. 2 is a diagram showing the entire card payment system in which the card terminal device of the embodiment is incorporated. One card center
For example, a host computer 23 of each bank as a financial institution is connected to 21 via a dedicated line 22, for example. An account for each customer is formed in the host computer 23 of each bank. Further, in the card center 21, for example, a plurality of card terminals installed for each product via the public telephone line 24.
25 are connected. In addition, this card terminal device 25,
A bank card 26 and a credit card 27, which are cash cards, can be used. Therefore, for the credit inquiry of the credit card 27,
It is connected to the host computer 29 of each card issuing company via each public telephone line 28. In addition, the card terminal device 25 is connected with a keypad 30 for a customer to input a personal identification number, and a slip-dedicated printer 31 for issuing a multiple slip (credit slip) required when sales registration is made with a credit card 27. ing.

FIG. 3 is a block diagram showing a schematic configuration of the card terminal device 25. In the figure, 32 is a CPU that executes various data processing on data input from a keyboard or a card reader, and this CPU 32 has variable data such as a ROM 34 for storing a control program and a display buffer via a bus line 33. RAM35 to store, keyboard 3 to which various data are input
6, display 37 that displays various messages and numerical data,
Card reader 38 that reads the card information of bank card 26 and credit card 27, NCU / MODEM 39 for signal conversion connected to each public telephone line 24, 28, and the amount of direct debit when bank card 26 is used A printer 40 for issuing the receipt, an interface 41 to which the slip printer 31 is connected, an interface 42 to which the keypad 30 is connected, and the like are connected.

As shown in FIG. 4, the keyboard 36 includes a sales key 36a for declaring the start of sales operation, a numeric key 36b for keying in numerical data such as sales amount, and this card terminal device 25. Reset key 36c for resetting to the initial state, set key 36 for inputting the registered data
d. An execution key 36e or the like for transmitting the withdrawal data or the credit data after the sales operation for one customer is completed is provided.

In the RAM 35, as shown in FIG. 5, a card information memory 35a for temporarily storing the card information read by the card reader 38, a combination key of the number key 36b and the set key 36d is input. The input amount memory 35b for temporarily storing the sales amount, the sales accumulation memory 35c for accumulating and storing each sequentially input sales amount, the print buffer 35d for temporarily storing the data to be printed on the receipt or the credit slip, and the display 37 is displayed. Display buffer 35e for temporarily storing data to be transmitted, transmission buffer 3 for temporarily storing data to be transmitted
5f, Tank memory 35 that temporarily stores sales information that the sales amount is less than the specified amount when sold by credit card 27
g, a card center 21, and a dial information memory 35h for storing dial information for calling the host computer 29 of each card issuing company.

FIG. 6 is a diagram showing a structure of the card information 43 stored in the magnetic stripe of the bank code 26 or the credit card 27. This card information 43 consists of 72-digit data, 1
The start code and end code are set in the second and last 72 digits. Also, the ID code is set in the second digit, and the business type code is set in the third digit. Then, the card type can be determined from the ID code and the business code.
Therefore, it can be determined whether this card is the bank card 26 or the credit card 27. In addition, after the next digit, the company code that identifies the card issuer or bank,
Account number or membership number, PIN, etc. are set.

Then, the CPU 32 executes the sales process using the bank card 26 or the credit card 27 according to the flowcharts of FIGS.

First, the power of the card terminal device 25 is turned on, and the sales key
When the keys of 35a are operated, the sales process of FIG. 7 is started. When the flow chart of FIG. 7 is started, S (step) 1
At, the operation guide for "card input" is displayed on the display 37 via the display buffer 35e. When the operator inserts the card brought by the customer into the receiving card reader 38, the card information 43 stored in the card is read and temporarily stored in the card information memory 35a. Then, in S2, the ID of the card information 43
Determine the card type from the code and business type code. If the inserted card is the bank card 26, the sales operation process by the bank card 26 is started after S3.

When the sales operation process is started, first, in S3, the communication process routine of FIG. 8 is started. Next, an operation guide for "input of amount of money" is displayed on the display device 37, and when the sales amount is entered by the numerical key 36b of the keyboard 36, the sales amount is displayed on the display device 37. Then, when the set key 36d is keyed in, the entered sales amount is determined to be the correct sales amount, and the input amount is temporarily stored in the memory 35b.

After that, the operation guide of “PIN code input” is displayed on the display 37, and when the customer inputs a 4-digit PIN on the keypad 30, for example, the PIN is displayed in the card information memory.
Use card info 43 from 35a to verify correctness. After that, the operation guide for "execute key input" is displayed on the display 37.

When the execution key 36e of the keyboard 36 is keyed in S4, the sales amount in the input amount memory 35b and the card information 43 in the card information memory 35a are deducted and set in the transmission buffer 35f as data. When the process of setting the transmission data for the transmission buffer 35f is completed, this bank card 26
The sales operation processing using is ended.

Next, when the communication processing routine of FIG. 8 is started in S3 in the sales operation processing, the dial information memory 35 is set in P1.
The dial number of the card center 21 is read from h and dialing is started. Then, when there is a response from the card center 21 and a call loop is formed between the card center 21 and this card terminal device 25, at P2, it waits until the transmission data consisting of the withdrawal data is stored in the transmission buffer 35f. .

When the transmission data is stored, the execution key 36e of S4 is operated at this point, so the transmission data of the transmission buffer 35f is transferred to the card center where a call loop is formed at P3.
Start sending to 21. Then, the display 37 displays the message of "communication in progress".

If the transmission data has already been set in the transmission buffer 35f in P2, the execution key 36e has already been key-operated to wait for a call loop to be formed. Start sending to.

Then, wait for the response signal from the card center 21 to be input at P4. The response signal is input from the card center 21 at P4, and the received response signal at P5 is the bank card 26.
If it is a permission response permitting payment by, the registration process for the sales amount is executed. That is, the input amount memory
Add the sales amount of 35a to the cumulative sales memory 35c, and
At 40, issue a receipt showing the sales amount (debit amount). Then, after displaying the message "end" on the display 37, the communication process is ended.

When the response signal at P5 rejects the payment by the bank card 26, the display 37 displays the message "card not available".

If the card inserted into the card reader 38 in S2 of the flowchart of FIG. 7 is the credit card 27, the credit card processing shown in FIG. 9 is executed.

When the credit card processing shown in FIG. 9 is started, the operation guide of "password input" is displayed on the display 37 at Q1. When the personal identification number is entered on the keypad 30, it is confirmed that the personal identification number is correct, for example, the card information 43 in the card information memory 35a.
Confirm using.

Next, an operation guide for "amount input" is displayed on the display 37, and when the sales amount is keyed in with the numeric key 36b, the amount is displayed on the display 37. Then, when the set key 36d is operated by a key, it is determined that the sales amount has been correctly input, and the sales amount is temporarily stored in the input amount memory 35b.

After that, in Q2, the operation guide of "execution key input" is displayed on the display 37, and in Q3, when the execution key 36e is operated, the Q
At 4, it is checked whether or not the sales amount in the input amount memory 35b is equal to or more than a predetermined regulated amount. If the amount is less than the specified amount, it is not necessary to make a credit inquiry to the credit card issuing company for the corresponding credit card, so the sales amount in the input amount memory 35b and the card information 43 in the card information memory 35a.
And are stored in an empty area of the tank memory 35g. And
The sales amount is added to the cumulative sales memory 35c, and the copy printer 31 precedes the copy-type credit slip. And
The message "End" is displayed on the display 37 and the credit card processing is ended.

In addition, if the sales amount is more than the specified amount in Q4, it is necessary to make a credit inquiry for the relevant credit card to the card issuing company each time.
The card information 43 of a and the sales amount of the input amount memory 35b are set as credit data in the transmission buffer 35f. Then, in Q5, the message "Communicating" is displayed on the display 37, and the card issuing company of the credit card is read from the card information 43 of the card information memory 35a. Then, the dial number of the card issuing company is stored in the dial information memory 35.
Read from h and call the host computer 29 of the relevant card issuing company by automatic dialing operation. When the call loop is formed, the transmission data composed of the credit data set in the transmission buffer 35f is transmitted to the host computer 29 of the relevant card issuing company.

When a response signal is input from the host computer 29 and the response is a permission response in Q6, the sales amount is accumulated in the sales accumulation memory 35c and the voucher printer 31 issues a credit voucher. Then, the message "End" is displayed on the display 37, and the credit card processing is ended.

If the response is not a response in Q6, the message "card payment is not possible" is displayed on the display 37.

In the card terminal 25 configured as described above, when sales are generated by the card, the operator operates the sales key 36a and then operates the card reader 38 without judging the type of the card brought by the customer. To read the card information 43. Then, the card type of the inserted card is immediately determined, and the sales operation process corresponding to the card type is automatically started. And indicator
Key operations on the keyboard 36 and the keypad 30 may be executed according to the operation guides sequentially displayed on the 37.

Therefore, even if the operator performs the sales registration operation without confirming the card type of the card brought by the customer, the probability of an erroneous operation is low, and the burden on the operator can be significantly reduced. Since the operation guide displayed on the display unit 37 at the beginning after the card is inserted differs depending on the card type, it is possible to confirm the card type of the card inserted at that time.

If the card inserted in the card reader 38 is the bank card 26, automatic dialing to the card center 21 is immediately started. When a call loop is formed between the card terminal device 25 and the card center 21, the call loop is held. That is, when the bank card 26 is used, it is necessary to unconditionally transmit the transmission data to one card center 21, so even before the end of the sales operation including the input of the sales amount and the input of the personal identification number. The call operation to the card center 21 can be started.

The card terminal device 25 executes normal sales operation processing in parallel with the communication preparation processing for starting data transmission with the card center 21 being executed. That is, the sales amount is keyed in from the keyboard 35, and the personal identification number is keyed in from the keypad 30. And finally run key 36
Operate the e key.

Then, if a call loop is formed at the time when the sales operation up to the key operation of the execution key 36e is completed, the withdrawal data is immediately started to be transmitted to the card center 21.
If sales operations such as sales amount input operation and card insertion operation are executed promptly and the call loop is not yet formed at the end of the sales operation, the data is transmitted after waiting for the formation of the call loop. Be started. That is, the waiting time from the end of the sales operation until the reply to the withdrawal data transmission is returned is shortened.

Therefore, the work efficiency of the sales operation can be significantly improved. Further, since the waiting time for the customer to display the payment permission by using the bank card is shortened, the service to the customer can be improved.

On the other hand, if the card entered in the card reader 38 is the credit card 27, the sales are completed when the password input and the sales amount input are completed and the execution key 36e is operated, that is, when all the sales operations are completed. Depending on the amount
It is determined whether or not to send the credit data to the host computer 29 of the card issuing company. Therefore, the data transmission to the host computer 29 of the card issuing company is started after the operation key 36e is operated.

As described above, when the card is used, the sales data transmission start timing is divided into three types, that is, no transmission at all, a time when the card is inserted, and a time when the execution key 36e is operated. The start timing is automatically set to the earliest timing. Therefore, the effect of improving the operation work efficiency described above can be further improved.

[Effects of the Invention] As described above, according to the card terminal device of the present invention, the card type of the card inserted in the card reader is automatically determined, and the data transmission is started at the timing corresponding to the card type. Therefore, the occurrence of erroneous operation is suppressed,
The burden on the operator can be reduced, the work efficiency of the sales operation can be significantly improved, the waiting time of the customer can be shortened, and the service to the customer can be improved.

[Brief description of drawings]

FIG. 1 is a functional block diagram showing a configuration of the present invention, FIGS. 2 to 9 show a card terminal device according to an embodiment of the present invention, and FIG. 2 is a block showing an entire card settlement system. FIG. 3 is a block diagram showing a schematic configuration, FIG. 4 is a key layout diagram of a keyboard, FIG. 5 is a diagram showing stored contents of a storage unit, and FIG. 6 is a diagram showing card information stored in a card. 7 to 9 are flow charts showing the operation. 21 …… Card center, 23,29 …… Host computer, 2
5 …… Card terminal, 26 …… Bank card, 27 …… Credit card, 30 …… Keypad, 32 …… CPU, 35 …… R
AM, 35a …… Card information memory, 35h …… Dial information memory, 36 …… Keyboard, 36a …… Sales key, 36b …… Numeric key, 36e …… Enter key, 37 …… Display, 38 …… Card Reader, 43 …… Card information.

 ─────────────────────────────────────────────────── ─── Continuation of the front page (72) Inventor Toshiyuki Iijima 5-1027 Minamiazabu, Minato-ku, Tokyo Anritsu Co., Ltd. (72) Toshimitsu Kataoka 5-1027 Minamiazabu, Minato-ku, Tokyo Anritsu Incorporated (56) Reference JP 59-163669 (JP, A) JP 63-151164 (JP, A) JP 61-75495 (JP, A)

Claims (1)

(57) [Claims] 1. A host computer of a financial institution (3) designated by a cash card (2) inserted in a card reader (1) is called by one card center (4) connected via a telephone line. , The amount of sales keyed in from the keyboard (5) is withdrawn from the account of the financial institution designated by the cash card, and the card issuing company (7) designated by the credit card (6) inserted in the card reader A card terminal device for directly calling a host computer via a telephone line to transmit the sales amount and card information, and card type determination means (8) for determining the card type of a card inserted in the card reader, In response to the cash card judgment by this card type judgment means, the card center connected via the telephone line is contacted. When dialing is started and a call loop is formed with the card center, advance dial means (9) for holding the call loop and the card reader in response to the end of sales operation by the cash card. Withdrawal data transmitting means (10) for transmitting withdrawal data including the read card information and the input sales amount to the card center holding the call loop, and the sales in response to the end of the sales operation by the credit card. A monetary amount judgment means (11) for judging whether or not the monetary amount is equal to or more than a specified amount, and in response to the judgment by the amount judged device or more, the host computer of the card issuing company designated by the card information is called to obtain the card information and A card terminal device comprising: a credit data transmitting means (12) for transmitting credit data including a sales amount.