JP3035794B2 - Card transaction terminal device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card transaction terminal device for processing transaction authentication online.

[0002]

2. Description of the Related Art Stores are provided with card transaction terminals such as CAT terminals in order to process credit card transactions online. This device reads credit card data (magnetic stripe data) and calls the host device of the card to authenticate the card. When the transaction is completed, the sales are recorded as those of the host device that has received the inquiry. Data including a company code and a membership number is recorded on the magnetic stripe of the credit card. The company that issued the card is determined based on the company code, and a call is made to the host device.

[0003] At present, a number of credit cards referred to as partner cards have been issued. What is a partner card?
A card issued by a company other than the original credit company, such as a department store, which is associated with a specific credit company and can be used in the credit store of the issuing company at a contract store of the credit company. Since this transaction is based on the credit of the issuing company, the transaction is aggregated by the host computer of the company and the handling fee of the credit is also of the company.

[0004]

In a normal credit transaction, a magnetic stripe on a card is read and data is input. However, when data cannot be read, for example, when data on the magnetic stripe is broken. ,
The staff read the emboss on the card and manually entered it.
However, this method has a disadvantage that the amount of manually input data is large and there is a risk that an input error may occur. further,
Affiliated cards are not counted by credit companies, but by the issuing company of the card.However, store clerks cannot determine the company code from the card emboss. Needed the list, so the attendant had to determine the company code from the list before manually entering it. Furthermore, if the company code cannot be found even from the list, only the membership number is entered, but if only the membership number is entered, all of the cards are conventionally referred to the host device of the credit company that is the partner of the card Had been called. For this reason, there is a disadvantage that a part of the commission of the credit transaction is distributed to the credit company, and the revenue of the partner card issuing company is reduced.

An object of the present invention is to provide a card transaction terminal device which solves the above-mentioned problem by providing a table for retrieving a company code and a line number of a host computer thereof from an tribute number in the device. I do.

[0006]

According to the present invention, there is provided an input means for inputting a member number, a table for storing the member number, a company code and a reference line number of the company in a corresponding manner, and a member number from the input means. when There entered, a search means for searching the company code and query for line number of the company corresponding with the table, the retrieved query for times
Is provided with query means for querying a member of the input member number to connect the line based on the line number, the.

[0007]

[Action] card transaction terminal apparatus of the present invention comprises a table stored in correspondence with such membership number and the company code and query for line number. When card magnetic stripe is read correctly, can be determined that the reference destination by company code included in the magnetic data, if it can not be read magnetic data, etc. manual input The member number is entered. The table is searched by the input member number, and the company code and the inquiry line number of the card are determined. Use this to query the card.

[0008] Thus, even a card that was not able to read the company code it is possible to query the card to the correct inquiry destination.

[0009]

FIG. 1 is a diagram showing an overall configuration of a card transaction processing system using a CAT terminal device according to an embodiment of the present invention. The CAT terminal device 1 installed in each store is connected to a communication network 3. A host device 4 of each card company is connected to the communication network 3 and a host device 5 of a DLL (downline loading) center is also connected. The CAT terminal device 1 receives a table in which the telephone numbers of the respective host devices 4 are recorded from the DLL center.
When the customer's credit card is read, the table is searched with the read data to determine the telephone number, and the card is authenticated with respect to the host device of the corresponding card company. The sales of this transaction are credited to the accessed host device.

FIG. 2 is an external view of the CAT terminal, and FIG.
FIG. 3 is a block diagram of a control unit of the CAT terminal device. A display 13, a keyboard 14, and a card reader 15 as a hand scanner are provided on the operation panel surface. Further, a pin pad (PIN-PAD) 18 is connected to the apparatus main body by a connector cable. A numeric keypad and a liquid crystal display are provided on the pin pad. The numeric keypad is used by the customer to input a password, and the display displays the input password. The display 13, keyboard 14, card reader 15 and pin pad 18 are connected to the CPU 10 via a bus. The CPU 10 controls the operation of these devices.
Further, a ROM 11, a RAM 12, and a modem 17 are connected to the CPU 10. The ROM 11 stores a program as shown in the flowchart of FIG.
12 stores table data and the like. This RAM
Reference numeral 12 is a battery backup. The modem 17 is connected to the communication network 3.

FIG. 4 is a diagram showing a configuration of a credit card used in the CAT terminal device. A magnetic stripe 20 is formed on the surface of the credit card 2. The magnetic stripe 20 has a company code 23 and a member number 2
4, magnetic data including a password and an expiration date are written.

FIG. 5 is a diagram showing a table stored in the RAM 12. This table is down-line loaded from the DLL center 5. Figure (A)
Is a main table. FIG. 3B shows a sub-table. The main table has a table number (01 to 0)
For each 6), a card company name, a company code, and a telephone number of the host device are stored correspondingly. In the sub-table, card company determination data consisting of the upper 2 to 5 digits of the membership number of the credit card, a table number for determining which column of the main table to link to, and a card company name correspond to each other. It is remembered. When the member number is input, the card company determination data that best matches the member number is determined using the sub-table, and the company code and the host telephone number are determined from the table number corresponding to that column.

FIG. 6 is a flowchart showing the operation of the card transaction terminal device. This operation indicates that the magnetic stripe of the credit card cannot be read, and the member number is manually input. First, the member number is manually input from the numeric keypad 14 (n
1). The sub-table is searched with this member number, and the company that issued the card is searched (n2). If the card company corresponding to this member number is registered in the sub-table, the main table is searched by the table number to determine the company code of the parent company and the telephone number of the inquiry destination (host device) (n4). If there are a plurality of card company determination data that match the member number, the data with the largest number of matching digits is determined to be optimal. With this determination, the correct card company name can be determined even for an affiliated card. If the corresponding card company determination data is not registered at all, a message to that effect is displayed on the display, and manual input of the company code or the telephone number of the host is accepted (n5). The member is authenticated by calling the telephone number of the inquiry destination determined in this way, and the transaction is processed (n6).

[0014]

According to the above manner the present invention, according to the present invention, even when the magnetic data of the card can not be read, it is possible to determine the company code automatically by entering the membership number, manually input The amount of data can be reduced, and there is no need to check the company code in a list, so that there is an advantage that the processing time of the operator is short and the possibility of erroneous input is reduced. Further, in the case of an affiliated card, since the access to a different host device is not performed, the credit card transaction is not performed by the company that issued the card.
This has the effect that part of the fee is no longer distributed to the credit company .

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of a card transaction processing system using a CAT terminal device according to an embodiment of the present invention;

FIG. 2 is an external view of the CAT terminal device,

FIG. 3 is a block diagram of a control unit of the CAT terminal device;

FIG. 4 is a diagram showing a configuration of a credit card used in the CAT terminal device;

FIG. 5 is a diagram showing a table that is down-loaded to the CAT terminal device;

FIG. 6 is a flowchart showing the operation of the CAT terminal device.

[Explanation of symbols]

1-CAT terminal device, 2-credit card, 23-company code storage area, 24-member number.

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Claims (1)

(57) [Claims] An input means for inputting a member number, a table for storing the member number, a company code and a line number for inquiring the company in a corresponding manner, and a table when the member number is input from the input means. corresponding company code and querying for times of the company using
Search means for searching the line number, the retrieved card with the query means, provided to query the membership before <br/> Symbol input member number to connect the circuits based on the query for line number Transaction terminal device.