JPH02113366A - Transaction processing system - Google Patents

Abstract

PURPOSE:To confirm a card holder who is to make a transaction with a card by collation with characteristic data outputted to a terminal by sending the characteristic data on the proper holder of the card from a host computer to the terminal side. CONSTITUTION:A card account number and the amount of demanded amount of money to be dealt are sent from the card transaction processing terminal 1 to the host computer 3 through a communication line 2 and the host computer 3 collates the received data with its internal illegal card data file 5 consisting of internal character data and suspicious card data file 6. Then when it is judged that the card holder needs to be confirmed for the main transaction processing or when there is a request to send from the terminal 1, characteristic data such as character data and face photograph data that the proper card holder have inherently are taken out of the proper card holder data file 4 and sent to the terminal side. Consequently, the time for identification is shortened to improve the customer service and card crimes are prevented.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a transaction processing system, and more particularly to a transaction processing system that includes a registration section and a settlement section and is capable of processing transactions using a card.

[Conventional Techniques] In conventional transaction processing systems, when a suspicion arises about a card transaction processing request from a card transaction processing terminal, the card transaction is processed in the following order to verify the cardholder. I was deciding whether to accept or not.

(1) In response to the processing start request, the host computer returns response data to the terminal side so that the operator of the host computer is called by telephone. After that, -1ltJi.

(2) After seeing the response data from the host computer, the operator on the terminal side calls the operator on the host computer side by telephone and asks the card holder the card holding and unique data requested by the host computer operator. , tell the host computer operator.

(3) The operator of the host computer shall check the data obtained from the cardholder and the Cf created by the host computer.
Through the conversation in the same episode 78, the card security L'j checks the data in the rental file, and if it matches, it will accept the card transaction processing request, and if it does not match, it will reject the transaction processing. I can say something to the operator on the side.

[Problem to be solved by the invention] As mentioned above, in the conventional method, it takes a long time to notify the acceptance or rejection of a suspicious card transaction.11. - Problems such as time-consuming and inconvenient not only customers making arrangements but also customers waiting for card transaction processing, and cardholders who sense that there is a suspicion, stop card transactions and make cash transactions. If changed to 1, the operator on the terminal side would have no choice but to stop making phone calls, which would make it obsolete.
There is a problem that if you try to make a transaction with Tamezo card, f:, -b will not be detected, and there is a limit to the information that can be confirmed over the phone. It's a question of impossibility.

Therefore, the main object of this invention is to transmit the 11-identity data of the card's holding name from the host computer to the terminal side, and send the data to the cardholder T who is about to perform a card transaction. ;? It is an object of the present invention to provide a transaction processing system that can confirm i by checking with unique data output to a terminal.

[Lower part for solving the problem] A transaction processing system according to the present invention includes a host and a card transaction processing terminal connected to the host by a communication interface, and the host is configured to process card information including a card account number. A card that stores unique data that identifies the legitimate holder: A card that stores unique data that identifies the legitimate holder.

means, a lower fraudulent card data storage section for storing the identified fraudulent card data, and a comparison between the input card account number data and the fraudulent card data stored in the fraudulent card data storage means. and in response to the fraudulent card judgment output from the fraudulent card 1' stage or the request from the terminal, From the unique data record t81 means, extract the unique data of the legal holder of the card identified as a valid card 1t11 or the card legitimate holding fee information 1-j data requested from the terminal and send it to the terminal. The card transaction processing terminal is equipped with a means for outputting the sent 1.1 unique data of the authorized card holder.

In this invention, a card account number and a requested transaction amount are sent from a card transaction processing terminal to a host computer via a communication line. The data file, the suspected card file, and this received data are compared, and the car is used to process this transaction.・If it is determined that confirmation of the holder is necessary, or if there is a transmission request from the terminal, a valid card will be sent.
Unique data such as character data and facial photograph data held in j is sent from the card legal holding stand data file to the takeout terminal side.

[Example] Figure 2 shows an example of the transaction processing system (
FIG. 2 is a schematic diagram showing the IXS configuration. In FIG. 2, the transaction processing system includes a card transaction processing terminal 1 and a host computer 3 connected to the card transaction processing terminal 1 via a communication network 2. As shown in FIG.

FIG. 3A is an external view z1 showing the configuration of the card transaction processing terminal 1 shown in FIG. 2. FIG. The card transaction processing terminal 1 has
A table for the operator; t<ZIL A card reader 12, a cow board 13 for inputting classification codes, tit value data, etc., a communication line 14, and a display cowl 15 for hiding display contents from customers are provided.

FIG. 3B is a roughly 115 block diagram without showing the electrical components of the card transaction processing terminal shown in FIG. 3A, and the card transaction processing terminal 1 is provided with a CPU 16.

The CPUI 6 includes the above-mentioned display [1] and card reader 12.
, Keyboard 1' 13, LAN 4 7e (S17,
A ROM 18 and one buffer are provided. The communication line 14 described above is connected to the LAN interface 17. The ROM 18 stores an operating program for the CPU 16 based on a flow diagram as shown on the card transaction processing terminal side in FIG. 1, which will be explained later. Buffer 19 is the 10th buffer described later.
Display the display response data from the host shown in the figure! A
The data is stored for - time in order to be transferred to and displayed on the computer 11.

FIG. 3C is a key arrangement diagram of the keyboard shown in FIG. 3A, including a request key 1311, a normal transaction key 132, a dial key 133 for connecting the communication line with the host side, and a gold fr+1.
A tincture 134 and a funk con mode key 135 for inputting data are also provided.

The respective files and their data contents to be rfed by the above-mentioned host computer '3 will be explained with reference to FIGS. 4 to 9.

Figure 4 shows 1 card W'''1 Ho 1 of the origin Vi card Zube C.
, lj The car F' + which stores the private data 41
E S'+ (Shows data file 4.

FIG. 5 shows the data contents of one card [F hit holding and unique data 41]. These data include card number 4, card holder's year and month, 11412, home address/telephone number 41, work address (membership number, address, phone number, affiliation). ) 414 and cardholder's photo 41
Contains 5 data.

FIG. 6 shows a non-1L card file 5 in which fraudulent card data 51 (δ) of all fraudulent cards that have been reported as stolen or lost is stored.

FIG. 7 shows the data contents of 1 fraudulent card data 51. The fraudulent card data content is fraudulent card account number 511.
It also includes unavoidable reasons such as theft and loss +L+ 512 data.

Figure 8 shows the 1 wise card data 61 of all doubt cards.
The suspicion card file 6 which stores .

FIG. 9 shows the data contents of the 1 suspicion card data 61.

Suspicion card data content is Suspicion card l"1 seat number 61
1 and the reason for suspicion 612. A doubt card is a non-1
Although it is not a 1 card, when I used the card until the last time, I was charged with a false 1) complaint that I was late in payment and that I did not make a transaction even though I thought I had made a card transaction! - Refers to cards that have caused problems, and the host computer handles them somewhere between fraudulent cards and good cards.

FIG. 1 is a processing flow diagram for explaining the specific operation of an embodiment of the present invention.

FIG. 10 shows steps S6 to S7 shown in FIG.
The content 111 of the card transaction processing request message sent to is shown. This content 111 includes card account number 112 and amount data 11
3 and a transaction processing request code 114. The transaction processing request code 114 includes a button pressed from the keyboard, a code N1 for the normal transaction key 1 or 2, and a code R or t? for the f-i data request transaction key 131. will be paid.

The specific operation of one embodiment of the present invention will be described with reference to FIG. 1 and FIGS.

In step SO, if the terminal operator requests the fixed fT data including the face photo data of the card holder regardless of the card verification result C111, press the request key 131 on the keyboard 13, or if it is normal to send a check. press the normal transaction key 1:32. Next, in step S1, the terminal operator inputs the card from the card reader 12, and in step S1
Step 2 - Board] Enter the amount from step 3, and go to step S.
'Press arm dial key 133 to call up the host computer.

On the other hand, the host computer side constantly determines whether there is a call from the terminal side in step S4, and if not called, repeats step S4, but if there is a call from the terminal side, it connects the communication line in step S5. The corresponding terminal side transmits a card transaction processing request message 111 to the host computer side in step S6, and the host computer side accepts this request in step S7. In step S8, if the card input data in step S1 is
After ta'A card file 5, step S O
Then, based on the search result in step S8, if it is determined that the card number 1] which is requested to be processed is in the correct card file 5, then in step S10, the incorrect card 1 is extracted from the fraudulent card file 5. [Read and send reason 512/
-Stored in tufa. Next, in step S11, the holder's unique data file 4 for the car 1 is searched for the card input data, and in step S12, the corresponding "1'1" is searched for. i? i' hard(-i data(411~4
15) is stored in the send 1° buffer.

On the other hand, if it is determined in step S that there is no card account number requested to be processed in the fraudulent card file 5, the next step St'C is to process the suspected card file 6 (card account number requested to be processed). Search by Sat number. Thereafter, in step S1.1, if the Q search result (in step 313) includes the card [1st seat number] in the suspicious card file 6, the process advances to step S15, and the "Card Security Fl." Store the message 'bGTc:?,'' in the transmission buffer, step S1], step S1
Proceed to step 2. In step S14, if there is no card account number requested for processing in the suspect card file 6,
Further, in step S16, it is determined whether the amount data 113 of the card transaction processing request message exceeds a predetermined amount and is a large amount or a cup.
Judge by. If it is determined in step S16 that the input amount is not a large amount, the process proceeds to step S17 and the card transaction authorization code is stored in the bank account. Next, the process proceeds to step S18, and if the transaction request processing code 114 is other than the code R, that is, if it is a data request transaction, only the transaction approval 11f code is stored in the send 1 degree buffer. If it is determined in step S16 that the transaction request amount exceeds the set amount and is high B1゛1, or if it is determined in step S18 that the transaction processing request code 114 is code R, that is, a fixed H data request transaction, step S15 and step S11, the process advances to step S12. Therefore, non-1
Even if the card is not determined to be a "card" or "suspect card," the host computer may request a high-value card transaction processing request that exceeds the amount set in the r.m. It is possible to prevent the card from being used inadvertently by sending a message "Retain? If &Approve" to the terminal operator.

When the response data is stored in the transmission buffer, step S
In Step 19, the content of this transmission buffer is sent from the host computer to the terminal side as response data, and then in Step S20, the communication line connection on the host computer side is cut off. In step S22, the host response data is displayed on the display 11, and in step S2'4-C.
Through f, -, one line connection is 1υ.

FIG. 11 shows the display contents displayed on the display 11 of the card transaction processing terminal 1. This display content is the content sent as response data from the host computer according to the processing flow shown in FIG.

In case 2, if there is no problem with card transactions (A),
Data (B) is displayed if there is suspicion about the card transaction, (C) if facial photo data is requested from the terminal, and (D) data is displayed if the card transaction is fraudulent. Since the display data in (B) or D) includes a face photo of the person holding the card, the L operator can quickly confirm whether this face photo matches the customer's face.

In the above embodiment, response data from the host computer side is output to the CRT display device.
It is also possible to print out the information using a printer device.

As described above, according to the embodiment of the present invention, 11 cards are sent to the host computer. Is it your own?珀Sha 3”
4 data and character data are multiplied by 1.7, and when it is determined that the processing requested card is a fraudulent or suspected card, or when the terminal operator confirms (1° When a card transaction requires data, the face photo data and character data of the card holder can be sent to the terminal and displayed.

[Effects of the Invention] According to the present invention, the host computer is provided with unique data consisting of a facial photograph and text of the legal card holder, and in response to a card transaction request from a terminal, it is possible to determine whether the processing request card is an authentic card or a suspicious card. When it is determined that 111 is the case, or when it is a card transaction that requires fixed data from the terminal operator, the data of the authorized card holder is sent to the terminal and output. , 11 for identity verification! Customer service can be improved by shortening the i-time, the image of the store can be improved, sales can be increased, and since card fraud can be easily determined, card crime can also be avoided.

[Brief explanation of the drawing]

FIG. 1 is a flow diagram for explaining the operation of one embodiment of the present invention. FIG. 2 is a system configuration diagram of the present invention. FIG. 3A is a diagonal B1 view of the external appearance of the card transaction processing terminal shown in FIG.
Figure Bc is a keyboard layout diagram shown in Figure 2. Fig. 4 shows the card 11-'5 holding rate f1-data file shown in Fig. 2, and Fig. 5 shows the card legal holding name specific data file shown in Fig. 4. Ho L'j 8 hard (f data 1, lt drawing. 6th
The diagram is a ζ11-card' file not shown in Figure 2,
FIG. 7 is a purchase diagram of the fraudulent card data 474 forming the fraudulent card file shown in FIG. Figure 8 is the suspicion card file shown in Figure 2, and Figure 9 is the 1°-1 map of the 1 suspicion card data constituting the suspicion card file shown in Figure 8; be. Figure 10 is the first
In the flowchart of the figure, it is a diagram showing the contents of a card transaction processing request message transmitted from the transaction terminal to the host computer. FIG. 11 is a diagram of response data from a host computer displayed on a card transaction processing terminal according to the present invention. In the figure, 1 is a card transaction processing terminal, 3 is a host computer, 4 is a card original data file, 5 is a fraudulent card file, 6 is a suspect card file, 11 is a display device, and 12 is a card league. Figure 3A) 5; Front foot chanting cow 1 and 5: Positive card ゛7 Fi 1 and 6: Confused one-door r-eye Figure 3B Figure 3C - Eleventh figure Figure Figure Figure 3 Inari Mizui No. 11 [Figure N: Commuting to school R: Anti-U-extinguishing sword trading

Claims (5)

[Claims] (1) A transaction processing system consisting of a host and a card transaction processing terminal connected to the host by communication, wherein the host stores unique data identifying the legal holder of the card, including the card account number. A card holder unique data storage means for storing, a fraudulent card data storage means for storing pre-specified fraudulent card data, and a card account number data inputted from the card transaction processing terminal and the fraudulent card data storage means. means for comparing the stored fraudulent card data to determine whether or not the card undergoing transaction processing is a fraudulent card; and responding to a fraudulent card determination output from the fraudulent card determining means or a request from the terminal , means for retrieving from the unique data storage means the unique data of the legal holder of the card determined to be a fraudulent card or the unique data of the legal card holder of the card requested from the terminal, and transmitting it to the terminal. A transaction processing system, wherein the card transaction processing terminal comprises means for outputting the transmitted unique data of the authorized card holder. (2) The host further includes a suspicious card data storage means for storing suspicious card data that is not fraudulent but is suspected in advance, and card account number data input from the card transaction processing terminal and the suspicious card. means for comparing the suspicious card data stored in the data storage means to determine whether or not the card undergoing transaction processing is a suspicious card; 2. The transaction processing system according to claim 1, further comprising means for extracting unique data of a legitimate holder of a card determined to be a suspect card from a unique data storage means and transmitting the unique data to the terminal. (3) The host further includes: an amount determining means for determining whether the amount requested for card processing by the card transaction processing terminal is higher than a predetermined amount; 3. The transaction processing system according to claim 1, further comprising means for extracting unique data of the legal holder of the card requesting card processing from the legal holder unique data storage means and transmitting the data to the terminal. (4) Claim 1, wherein the unique data includes facial photograph data.
The transaction processing system according to any one of 3 to 3. (5) The transaction processing system according to any one of claims 1 to 3, wherein the unique data includes character data.