JP3946967B2 - Transaction processing system, transaction processing apparatus, and transaction processing method - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a transaction processing system, a transaction processing device, and a transaction processing method for processing a card transaction using a credit card or a debit card.
[0002]
[Prior art]
Conventionally, in a shopping street, a plurality of stores jointly carried out forklift. Fukuhiki is being implemented with the aim of increasing customer incentives to purchase and improving sales at each store. The following is a general method of conducting fortune.
[0003]
Give a lucky ticket to the customer who did the transaction at the store. After that, the customer who is given the lucky ticket goes to the lottery place and draws a lottery to exchange for the lucky ticket (the lottery is performed). Give the prizes prepared in advance to the customers who won the lottery (winners of the fortune).
[0004]
[Problems to be solved by the invention]
However, the conventional method for carrying out forklift has a problem that it takes time to secure a lottery place and to install it.
[0005]
In addition, prizes to be handed over to the winners were prepared in advance in the shopping street where the forklift was being carried out, and were not prepared according to the person (customer) who delivered the prize. For this reason, there is a high possibility that a prize is unnecessary for the customer, the customer's willingness to purchase cannot be sufficiently increased, and as a result, a sufficient sales promotion effect (sales promotion effect) cannot be obtained. there were.
[0006]
Furthermore, since the store where the transaction was performed and the lottery place are different places, it was not known who the winner was at the store. For this reason, there was a problem that an approach for sales promotion to the winner could not be performed.
[0007]
An object of the present invention is to provide a transaction processing system, a transaction processing device, and a transaction processing method that have a sufficient customer service effect and a sufficient sales promotion effect.
[0008]
[Means for Solving the Problems]
The transaction processing system of the present invention has the following configuration in order to solve the above problems.
[0009]
(1) In a transaction processing system in which a transaction processing apparatus and a center are connected so that data communication is possible and process card transactions.
The transaction processing apparatus
Transaction authentication data input means for inputting transaction authentication data relating to card transactions;
Transaction data transmitting means for transmitting the transaction authentication data relating to the card transaction input by the transaction authentication data input means to the center, and
The center is
Numbering means for assigning a processing serial number to the transaction authentication data transmitted from the transaction processing device;
An authentication result replying means for including the processing serial number assigned to the transaction authentication data by the numbering means in an authentication result obtained by authenticating whether or not the card transaction is possible based on the transaction authentication data, and returning the result to the transaction processing apparatus; With
Furthermore, the transaction processing device comprises:
A lottery means for lottery using a processing serial number included in the authentication result returned from the center to determine a win;
For a card transaction in which the lottery result by the lottery means is a win, the transaction data transmission means rewrites the business classification code of the transaction authentication data transmitted to the center to a code indicating cancellation, and rewrites this business classification code Canceling means for transmitting the transaction authentication data to the center again and performing a canceling process for canceling the card transaction.
[0010]
In this configuration, the transaction processing apparatus transmits transaction authentication data relating to the input card transaction to the center, and based on the transaction authentication data, the center returns an authentication result for authenticating the validity of the transaction. The transaction processing apparatus processes the card transaction based on the authentication result.
[0011]
As is well known, the card transaction includes a credit transaction using a credit card and a debit transaction using a debit card (a cash card of a financial institution). Credit transactions and debit transactions are based on the transaction amount entered in the transaction processing device and transaction authentication data including card information. CAFIS (Credit And Finance Information Switching System) (NTT Data Corporation Registration) Trademark). A host device of a card company or a financial institution is connected to CAFIS. The CAFIS transfers the transmitted transaction authentication data to the corresponding card company or financial institution host device, and obtains an authentication result including whether or not the transaction is possible. Then, this authentication result is returned to the transaction processing apparatus that has transmitted the transaction authentication data. The transaction processing device processes the card transaction based on the authentication result.
[0012]
In this card transaction, CAFIS functions as a center. Each time the transaction authentication data is transmitted, the CAFIS assigns a processing serial number indicating the order in which the transaction authentication data is transmitted.
[0013]
The transaction processing device performs lottery using the processing serial number assigned by the center (CAFIS). This processing sequence number is included in the authentication result.
[0014]
Therefore, since it is possible to carry out forklift without providing a lottery place, it does not take time to secure and install the lottery place. In addition, since it can be determined whether or not each customer who has made a transaction wins at the store, an approach for sales promotion to the winner can be appropriately performed, and a sufficient sales promotion effect can be obtained.
[0016]
In addition, for the card transaction in which the lottery result is a winning transaction, the transaction data transmitting means rewrites the transaction classification code of the transaction authentication data transmitted to the center to a code indicating cancellation, and rewrites the transaction classification code. Authentication data is transmitted again to the center, and a cancellation process for canceling the card transaction is performed. Therefore, the winning customer did not carry out the card transaction at the store. If a product related to a card transaction for which cancellation processing has been performed is delivered as a prize to a winning customer, an item unnecessary for the winner is not delivered as a prize. As a result, the customer's willingness to purchase is sufficiently enhanced, and as a result, a sufficient sales promotion effect (sales promotion effect) is obtained.
[0017]
(2) The transaction processing device and the center are connected via a compensation device so that data communication is possible,
The compensator is
For each store where the transaction processing device is installed, a counting unit that totals the transaction amount of the card transaction for which the cancellation unit of the transaction processing device has performed cancellation processing;
For each store, transfer the transaction amount of the card transaction that has been cancelled, aggregated by the tabulation and aggregation means, from the unified account established at the financial institution to the store account established at the financial institution. And a transfer instruction means for instructing the host device of the financial institution where the unified account is opened .
[0018]
In this configuration, the transaction amount of the card transaction for which the above cancellation processing was performed is compensated, so when a lottery is carried out jointly at a plurality of stores such as a shopping street, the stores where there were many winners or cancellation processing This does not increase the burden on the store where the transaction amount of the card transaction is high. As a result, the burden on the plurality of stores participating in the forklift can be made fair.
[0019]
( 3 ) The transaction processing device
The lottery means is a means for winning a card transaction in which a predetermined digit of the processing sequence number included in the authentication result is a preset value.
[0020]
In this configuration, if the predetermined digit of the processing sequence number is a preset value, it is a win.
[0021]
Also, the transaction processing device and the transaction processing method of the present invention can achieve the same effects as the transaction processing system.
[0022]
DETAILED DESCRIPTION OF THE INVENTION
FIG. 1 is a diagram showing a configuration of a transaction processing system according to an embodiment of the present invention. In the figure, reference numeral 1 denotes a store, and a CAT (Credit Authorization Terminal) 2 for processing a card transaction using a credit card (hereinafter referred to as a credit transaction) is installed in each store. The CAT 2 is connected to the operation center 4 of this system through a public line network 3 such as ISDN. A settlement apparatus 5 is installed in the operation center 4. The settlement apparatus 5 has a function of counting credit transactions for each store 1. The settlement apparatus 5 is connected to a CAFIS (Credit And Finance Information Switching System) 6 that authenticates whether or not a credit transaction is possible. Connected to the CAFIS 6 is a credit card company 7 that issues a credit card (hereinafter simply referred to as the card company 7). The financial institution 8 is provided with a host device 9 that manages an account set in the financial institution 8.
[0023]
The CAT 2 corresponds to the transaction processing device referred to in the present invention, the settlement device 5 corresponds to the compensation device referred to in the present invention, and the CAFIS 6 corresponds to the center referred to in the present invention.
[0024]
FIG. 2 is a block diagram showing the configuration of CAT2. The CAT 2 includes a control unit 11 that controls the operation of the main body, an input unit 12 on which keys for performing input operations are arranged, a display unit 13 that displays the operation state of the main body, and a printing unit 14 that issues a transaction slip. A communication unit 15 that controls data communication via the public network 3 and a card processing unit 16 that reads card data stored in a credit card. The input unit 12 is provided with a keypad for a customer to input a password.
[0025]
The payment apparatus 5 is also connected to a host apparatus 9 of the financial institution 8 as shown in FIG. In the financial institution 8, as shown in FIG. 3, a store account 21 is set for each store 1, and a unified account 22 is set. The unified account 22 is a checking account that provides an overdraft service from the financial institution 8. The store account 21 may be a savings account or the checking account.
[0026]
The overdraft service is a service that lends funds up to a certain amount preset by the financial institution 8 for withdrawal of funds from the checking account.
[0027]
In addition, the financial institution 8 provides customer service that does not generate a transfer fee when transferring money from one account to the other between accounts set in the financial institution 8. Therefore, no transfer fee is charged for the transfer between the store account 21 and the unified account 22.
[0028]
Further, the settlement apparatus 5 has a function of instructing the host apparatus 9 of the financial institution 8 to transfer money from the unified account 22 to another account.
[0029]
The CAFIS 6 assigns a processing serial number to the credit transaction. The process serial number will be described later.
[0030]
The transaction processing system of this embodiment is a system for processing a credit transaction, and is a system for performing a forklift using a lottery number as a processing sequence number assigned by CAFIS 6 at the time of transaction processing as will be described later.
[0031]
For example, if the winning number is “8” and the last digit of the processing sequence number is “8”, the winning is selected. The winning probability is 10%, or the winning number is “88”, If the two digits are “88”, the winning probability is 1%. The winning probability is 1%, and if the last three digits of the processing serial number are the same numbers (so-called “zolo eyes”), the winning probability is determined. 1% lucky draw (in this case, there are 10 types of winning numbers).
[0032]
Note that the above example is an example of a fortune that is won when a predetermined digit of the processing sequence number assigned by CAFIS 6 matches a preset winning number. How to use the winning number and the processing serial number (winning condition) can be arbitrarily determined by the person who performs the fortune-drawing, and is not limited to the above example.
[0033]
In CAT2, a winning number and a method of using the processing serial number (winning conditions) are set in advance.
[0034]
Hereinafter, the operation of the transaction processing system of this embodiment will be described. FIG. 4 is a flowchart showing the operation of CAT. The card data stored in the customer's credit card, the merchandise code of the merchandise to be traded, the transaction amount, the PIN number, and the like are input as transaction authentication data to the CAT 2 installed in the store 1 (s1). The CAT 2 transmits this transaction authentication data to the CAFIS 6 (s2). FIG. 5 shows transaction authentication data transmitted from CAT2 to CAFIS6. This transaction authentication data includes a business classification code indicating a business classification (sales, cancellation, etc.), a card classification code indicating a card type, a company code indicating a card company 7, a membership number for identifying a customer, and a credit card valid It consists of a terminator, a password entered by the customer operating the keypad, a product code for identifying the product, a transaction amount, a tax amount for the transaction, and a separator indicating data delimiters. The company code, membership number, and expiration date are data read by the card processing unit 16 from the credit card. The business classification code is a code indicating sales at the time of transaction authentication, and is a code indicating cancellation at the time of cancellation processing described later.
[0035]
The transaction authentication data transmitted from the CAT 2 is sent to the CAFIS 6 via the settlement device 5 of the operation center 4 as shown in FIG. The CAFIS 6 assigns a processing serial number to the transmitted transaction authentication data.
[0036]
Here, the processing sequence number will be described. Transaction authentication data is transmitted to CAFIS6 from CAT2 installed nationwide. More than 500,000 CAT2s have already been installed nationwide, and transaction authentication data has been sent to CAFIS6 several hundred thousand times a day. The processing sequence number that CAFIS 6 assigns to transaction authentication data is a number (count value) indicating the order in which the transaction authentication data is transmitted.
[0037]
For example, if transaction authentication data is transmitted to CAFIS 6 500,000 times a day, it is transmitted 5.7 times on average per second. However, considering the general business hours of the store 1 in which the CAT 2 is installed, it is transmitted about 11 times per second. Therefore, the processing sequence number is a count value that advances an average of 11 counts per second.
[0038]
As described above, the processing sequence number advances at a tremendous speed, and since this speed is also a count value that changes at any time, the last 1 digit and the last 2 digits of the processing sequence number are at random numbers. It can be said.
[0039]
When the CAFIS 6 assigns the processing sequence number to the transmitted transaction authentication data, the CAFIS 6 transfers the transaction authentication data to the card company 7 (the card company 7 identified by the company code included in the transaction authentication data). The card company 7 returns an authentication result that determines whether or not the transaction is possible to the CAFIS 6. When the CAFIS 6 obtains an authentication result including whether or not the transaction is possible from the card company 9, it returns it to the CAT 2 that has transmitted the transaction authentication data. The authentication result returned to the CAT 2 passes through the settlement apparatus 5 similarly to the transaction authentication data.
[0040]
FIG. 6 shows a data structure of authentication results returned from CAFIS 6 to CAT 2 (structure of authentication result data). The authentication result data includes an error code indicating the authentication result of the transaction, the processing date accepted by CAFIS6, the processing time accepted by CAFIS6, the processing serial number accepted by CAFIS6, the customer membership number, the expiration date of the credit card, the transaction of the approval number, the card company continuous fault destination telephone number, number of transactions, transaction amount, cancellation number, includes data indicating the cancellation amount of money. The number of transactions, transaction amount, number of cancellations, and cancellation amount are cumulative.
[0041]
When the CAT 2 receives the authentication result data from the CAFIS 6 (s 3), the CAT 2 determines whether or not the transaction is possible (s 4). If it is determined in s4 that the transaction is not possible, a transaction cancellation process for canceling the transaction is performed, and this process is terminated (s5). On the other hand, if it is determined in s4 that the transaction is possible, the printing unit 14 starts issuing a transaction slip on which the transaction content is printed (s6).
[0042]
FIG. 7 shows a print example of a transaction slip. In the transaction slip, the processing serial number assigned by CAFIS6 is printed together with the transaction content.
[0043]
When CAT2 starts issuing the transaction slip in s6, the CAT2 performs a lottery based on the process serial number included in the authentication result data from the CAFIS6 and determines a winning result (s7). CAT 2 determines a winning based on a pre-set winning condition. For example, if the last digit of the process serial number is “8”, the winning combination is made, and the others are lost. Alternatively, if the last two digits of the processing serial number are “88”, the winning combination is made, and the others are lost. Furthermore, if the last three digits of the processing serial number are the same number (both sides), the winning combination is made, and the others are lost.
[0044]
If the lottery result is not a win, the process ends after waiting for completion of the issue of the transaction slip started in s6. On the other hand, if the lottery result is a win, a cancellation process for canceling the credit transaction is performed (s8).
[0045]
In this cancellation process, transaction authentication data rewritten with a code indicating cancellation of the transaction classification code in the transaction authentication data transmitted in s2 is transmitted to the CAFIS 6 again. The transaction serial number is also assigned to the transaction authentication data transmitted to the CAFIS 6 by this cancellation process and is sent to the card company 7. The card company 7, on the basis of the transaction authentication data according to the cancellation process, revoke the appropriate credit transaction, and sends it to the CAFIS6 the result as the authentication result. The CAFIS 6 returns the authentication result for the cancellation process to the CAT 2.
[0046]
CAT2 has completed the printing of the transaction slip started in s6 until it receives the authentication result related to the cancellation process in s8. When the authentication result related to the cancellation process is received, the CAT 2 issues a transaction slip (cancellation slip) in which the transaction content (the content of the canceled transaction) is printed by the printing unit 14 and ends this processing.
[0047]
In addition, the cancellation process concerning s8 is a transaction slip in which transaction contents (contents of canceled transactions) are printed by the printing unit 14 from the process of transmitting the transaction authentication data rewritten to the code indicating the cancellation of the business classification code to the CAFIS6. This is a series of processes until a (cancellation slip) is issued. The cancellation slip is also given to the winner.
[0048]
Thus, in the transaction processing system of this embodiment, in the credit transaction, the lottery using the processing sequence number assigned by CAFIS6 is performed. As described above, the processing sequence number assigned in CAFIS6 advances at a violent speed, and since this speed changes at any time, a fair lottery can be performed. In particular, since the last 1 digit and the last 2 digits of the process serial number are at random numbers, a fairer lottery can be performed by placing the last 1 digit and the last 2 digits of the process serial number in the winning conditions. .
[0049]
In addition, a product related to the credit transaction is delivered as a prize from the store 1 to the winner who has canceled the credit transaction. That is, the customer receives a product that he / she planned to purchase at the store 1 as a prize. Accordingly, it is possible to sufficiently improve customer service without handing out items that are not required by the winners to the winners as prizes.
[0050]
In addition, since lottery is performed at the time of credit transaction, a service full of realism can be provided, and since it is not necessary to provide a lottery place as in the past, it does not require time and labor for securing the lottery.
[0051]
In addition, the winner has received the product that was planned to be purchased as a prize, and the purchase budget for the product has been raised. On the other hand, since the winner can confirm on the spot at the store 1, an effective approach can be taken, such as recommending the purchase of another product to the customer (winner) who has raised the purchase budget of the product. A sales promotion effect is obtained.
[0052]
Furthermore, even if the customer purchases a small amount of merchandise and conducts credit transactions many times, in this case, the prize received at the time of winning is also subdivided, so that such an action does not become a problem.
[0053]
In addition, you may provide the upper limit, for example, 100,000 yen about the transaction amount of the credit transaction canceled at the time of winning.
[0054]
The winning determination result in s7 may be displayed on the display unit 13 of CAT2, or the winning may be output by voice.
[0055]
Furthermore, in the above embodiment, the CAT 2 automatically determines the winning from the processing sequence number included in the authentication result data returned from the CAFIS 6. However, the processing sequence number printed on the transaction slip issued in s6 is determined by the customer and the store. One store clerk may check it. In this case, the above-mentioned forklift using the processing sequence number can be performed in the conventional CAT2. In addition, when the winner is found, the store clerk may perform an operation for canceling the winner's credit transaction in CAT2.
[0056]
Next, the operation of the settlement apparatus 5 in the transaction processing system of this embodiment will be described. As described above, transaction authentication data and authentication result data transmitted / received between the CAT 2 and the CAFIS 6 pass through the settlement apparatus 5. The settlement apparatus 5 aggregates and stores transaction data of credit transactions processed for each store 1. Accordingly, the settlement apparatus 5 can aggregate the credit transaction (cancelled credit transaction) of the winner for each store 1. As described above, since the credit transaction is canceled for the winner, the card company The transaction amount is not credited from 7 to the store 1. Usually, when carrying out forklift at a plurality of stores 1, it is necessary to make the burden of each store 1 fair.
[0057]
In the unified account 22 shown in FIG. 3, the contribution of each store 1 participating in the forklift using the processing sequence number is deposited. The settlement apparatus 5 calculates the total amount of the credit transaction (credit transaction canceled) for each store 1. The settlement apparatus 5 instructs the host apparatus 9 of the financial institution 8 to transfer money from the unified account 22 to each store account 21 based on the total amount calculated for each store 1. The host device 11 of the financial institution 10 performs the transfer according to this instruction.
[0058]
Thus, since the transaction amount relating to the credit transaction of the winner is transferred from the unified account 22 to the store account 21, the transaction amount relating to the winner's credit transaction is compensated in the store 1. Therefore, the burden on the stores 1 where there are many winners and on the stores 1 where the transaction amount of the winners is high does not increase, and the burden on the plurality of stores 1 participating in the forklift can be made fair. Further, since the store account 21 and the unified account 22 are provided in the same financial institution 8, no transfer fee is generated, and the operation cost is sufficiently suppressed.
[0059]
Moreover, although the credit transaction was taken as an example in the above embodiment, the present invention can be applied to a debit transaction using a bank cash card shown in FIG. 8, and the same effect can be obtained. The debit transaction uses CAFIS6 in the same manner as the credit transaction, and is a transaction in which the processing serial number is assigned.
[0060]
The clearing center 31 shown in FIG. 8 performs settlement between banks, and the fund settlement manager 32 corresponds to the card company 7 shown in FIG. 1, and centrally manages the flow of funds between banks.
[0061]
Further, in the above embodiment, the CAT 2 determines the winning using the processing sequence number. However, the winning may be determined when the authentication result data from the CAFIS 6 passes by the settlement apparatus 5. Further, when it is determined that the winning is made, the cancellation process may be caused in the settlement apparatus 5. Moreover, the credit card company 7 may implement the above service. In this case, the credit card company 7 may perform the credit transaction authentication process and the winning determination, and the winner may cancel the credit transaction. However, the credit card company 7 deposits the transaction amount of the canceled credit transaction into the store 1 where the transaction was performed.
[0062]
【The invention's effect】
As described above, according to the present invention, since lottery can be carried out without providing a lottery place, it does not take time to secure and install the lottery place. In addition, since it is known whether or not each customer who has made a transaction wins at the store, an approach for sales promotion to the winner can be appropriately performed. Therefore, a sufficient sales promotion effect can be obtained.
[0063]
In addition, since unnecessary items are not handed over to the winners as prizes, the customer's willingness to purchase can be sufficiently enhanced, resulting in a sufficient sales promotion effect.
[0064]
In addition, when multiple stores such as shopping streets are jointly held, the burden on stores where there were many winners and stores where the transaction amount of the returned card transaction was high will increase. And the burden of multiple stores that participated in Fukuhiki can be fair.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a transaction processing system according to an embodiment of the present invention.
FIG. 2 is a diagram showing a configuration of a CAT according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining the flow of funds in a store account and a unified account set during a financial period.
FIG. 4 is a flowchart showing the operation of the CAT according to the embodiment of the present invention.
FIG. 5 is a diagram showing a configuration of transaction authentication data transmitted from CAT to CAFIS.
FIG. 6 is a diagram showing a configuration of authentication result data transmitted from CAFIS to CAT. It is a figure which shows the credit transaction price statement issued in an operation center.
FIG. 7 is a diagram showing a transaction slip issued by CAT.
FIG. 8 is a block diagram showing a configuration of a transaction processing system according to another embodiment of the present invention.
[Explanation of symbols]
1-store 2-CAT
4-operation center 5-settlement device 6-CAFIS
7-Credit card company (card company)
8-Financial period 9-Host device

Claims (10)

In a transaction processing system in which a transaction processing device and a center are connected so that data communication is possible and process card transactions,
The transaction processing apparatus
Transaction authentication data input means for inputting transaction authentication data relating to card transactions;
Transaction data transmitting means for transmitting the transaction authentication data relating to the card transaction input by the transaction authentication data input means to the center, and
The center is
Numbering means for assigning a processing serial number to the transaction authentication data transmitted from the transaction processing device;
An authentication result replying means for including the processing serial number assigned to the transaction authentication data by the numbering means in an authentication result obtained by authenticating whether or not the card transaction is possible based on the transaction authentication data, and returning the result to the transaction processing apparatus; With
Furthermore, the transaction processing device comprises:
A lottery means for lottery using a processing serial number included in the authentication result returned from the center to determine a win;
For a card transaction in which the lottery result by the lottery means is a win, the transaction data transmission means rewrites the business classification code of the transaction authentication data transmitted to the center to a code indicating cancellation, and rewrites this business classification code Re-transmission of transaction authentication data to the center, and canceling means for canceling the card transaction.
Transaction processing system. The transaction processing device and the center are connected so as to be able to perform data communication via a compensation device,
The compensator is
For each store where the transaction processing device is installed, a counting unit that totals the transaction amount of the card transaction for which the cancellation unit of the transaction processing device has performed cancellation processing;
For each store, transfer the transaction amount of the card transaction that has been cancelled, aggregated by the tabulation and aggregation means, from the unified account established at the financial institution to the store account established at the financial institution. A transfer instruction means for instructing the host device of the financial institution where the unified account is opened ,
The transaction processing system according to claim 1. The transaction processing apparatus
The lottery means is means for winning a card transaction in which a predetermined digit of a process serial number included in an authentication result is a preset value.
The transaction processing system according to claim 1 or 2. In a transaction processing device that processes card transactions,
Transaction authentication data input means for inputting transaction authentication data relating to card transactions;
Transaction data transmitting means for transmitting transaction authentication data relating to the card transaction input by the transaction authentication data input means to the center;
An authentication result receiving means for receiving a reply of an authentication result authenticating whether or not the card transaction is possible based on the transaction authentication data, including a processing serial number assigned to the transaction authentication data from the center;
Lottery means for determining winning by lottery using a processing serial number included in the authentication result from the center received by the authentication result receiving means;
For a card transaction in which the lottery result by the lottery means is a win, the transaction data transmission means rewrites the business classification code of the transaction authentication data transmitted to the center to a code indicating cancellation, and rewrites this business classification code A transaction processing apparatus comprising: cancellation means for transmitting transaction authentication data to the center again and performing a cancellation process for canceling the card transaction.   5. The transaction processing apparatus according to claim 4, wherein the lottery means is a means for winning a card transaction in which a predetermined digit of a processing sequence number included in an authentication result is a preset value. In a transaction processing method in which a transaction processing device and a center are connected so as to be capable of data communication and process a card transaction.
The transaction processing apparatus
By the transaction data transmitting means, the transaction authentication data concerning the card transaction input by the transaction authentication data input means is transmitted to the center,
The center is
Numbering means numbering the transaction authentication data transmitted from the transaction processing device,
The authentication result return means includes the processing serial number assigned to the transaction authentication data by the numbering means in the authentication result obtained by authenticating the card transaction based on the transaction authentication data, and returns it to the transaction processing apparatus. And
Furthermore, the transaction processing device comprises:
By lottery means, lottery using the processing serial number included in the authentication result returned from the center, determine the winning,
With respect to the card transaction in which the lottery result by the lottery means is a win, the transaction data transmitting means rewrites the business classification code of the transaction authentication data transmitted to the center by the cancellation means , and this business classification Send the transaction authentication data with the rewritten code to the center again , and perform a cancellation process to cancel the card transaction.
Transaction processing method. The compensation device
By the counting means, for each store where the transaction processing apparatus is installed, the transaction amount of the card transaction for which the cancellation means of the transaction processing apparatus has performed the cancellation processing is totalized,
For each store, the transaction amount of the card transaction for which the cancellation processing has been performed, for each store, is opened at the financial institution from the unified account opened at the financial institution. Instructing the host device of the financial institution where the unified account is opened to transfer money to a store account,
The transaction processing method according to claim 6. The transaction processing apparatus
The lottery means wins a card transaction in which a predetermined digit of a process serial number included in an authentication result is a preset value;
The transaction processing method according to claim 6 or 7. In a transaction processing system in which a transaction processing device and a center are connected so as to be capable of data communication via a compensation device and process a card transaction.
The transaction processing apparatus
Transaction authentication data input means for inputting transaction authentication data relating to card transactions;
Transaction data transmitting means for transmitting the transaction authentication data relating to the card transaction input by the transaction authentication data input means to the center, and
The center is
Numbering means for assigning a processing serial number to the transaction authentication data transmitted from the transaction processing device;
An authentication result replying means for including the processing serial number assigned to the transaction authentication data by the numbering means in an authentication result obtained by authenticating whether or not the card transaction is possible based on the transaction authentication data, and returning the result to the transaction processing apparatus; With
Furthermore, the compensation device comprises:
A lottery means for lottery using a processing serial number included in the authentication result returned from the center to determine a win;
For a card transaction in which the lottery result by the lottery means is a win, the transaction data transmission means rewrites the business classification code of the transaction authentication data transmitted to the center to a code indicating cancellation, and rewrites this business classification code Re-transmission of transaction authentication data to the center, and canceling means for canceling the card transaction.
Transaction processing system. In the transaction processing method in which the transaction processing device and the center are connected to each other via a compensation device so that data communication is possible, and the card transaction is processed.
The transaction processing apparatus
By the transaction data transmitting means, the transaction authentication data concerning the card transaction input by the transaction authentication data input means is transmitted to the center,
The center is
Numbering means numbering the transaction authentication data transmitted from the transaction processing device,
The authentication result return means includes the processing serial number assigned to the transaction authentication data by the numbering means in the authentication result obtained by authenticating the card transaction based on the transaction authentication data, and returns it to the transaction processing apparatus. And
Furthermore, the compensation device comprises:
By lottery means, lottery using the processing serial number included in the authentication result returned from the center, determine the winning,
With respect to the card transaction in which the lottery result by the lottery means is a win, the transaction data transmitting means rewrites the business classification code of the transaction authentication data transmitted to the center by the cancellation means , and this business classification Send the transaction authentication data with the rewritten code to the center again , and perform a cancellation process to cancel the card transaction.
Transaction processing method.

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