JPH03164891A - Transaction processing system and pretransmitted card issuing machine - Google Patents

Abstract

PURPOSE:To prevent money from being hoarded by issuing a pretransmitted card by using the pretransmitted card without processing the settlement of account when the card is used and afterwards executing the processing only for a used amount. CONSTITUTION:A card (pretransmitted card) 5 is issued while previously applying information necessary for the settlement of credit at a credit card 4 and a pretransmitted amount to be used without certificating the credit card 4 to a center 6. For this pretransmitted card 5, the used amount is subtracted from the pretransmitted amount by a credit card terminal equipment. Accordingly, the pretransmitted card 5 can be used as a prepaid card with the pretransmitted amount as its value. Further, when the pretransmitted card is issued, the settlement of account is not processed but after the pretransmitted card is used, the processing can be executed only for the used amount. Thus, even when the pretransmitted card 5 is issued, the money is not hoarded.

Description

DETAILED DESCRIPTION OF THE INVENTION (Al Industrial Field of Application) The present invention relates to a transaction processing system using credit transaction processing and a pre-credit card issuing machine used in the system.

fb1 Overview of the Invention The transaction processing system according to the present invention uses a card (in the present invention, this card is referred to as "
"Pre-credit card".

) was first issued using a credit card, and thereafter it could be used in much the same way as a prepaid card, within the credit limit granted to the pre-credit card.

This eliminates the need for credit card authentication for each credit transaction, thereby simplifying transaction processing and reducing fees for transaction processing.

Further, the pre-credit card issuing machine according to the present invention accepts a credit card, performs authentication with a center, and issues the pre-credit card.

This makes it possible to automatically issue cards through online processing with the center, thereby avoiding complication in the entire credit transaction process.

(C1 Conventional technology-a) includes transactions using credit cards and transactions using prepaid cards.

In a credit transaction, a credit card is obtained by requesting a credit center to check the validity and usage limit of the credit card each time the card is used. For example, in online credit transactions, there are terminal devices (CAT terminals, PC terminals that allow credit transactions, etc.) installed in each store.

S terminal or vending machine that accepts card transactions, etc.) requests the center for credit through a telephone line, and the center searches each customer's registered data and confirms that the credit card is valid and the amount used is within the limit. If so, give a value to the terminal. Thereafter, the transaction amount is debited from the customer's deposit account (account transfer) at the necessary time to complete the transaction.

Furthermore, in a prepaid transaction, a customer first purchases a card (prepaid card) with value in advance, and then subtracts the value from the prepaid card each time the customer uses the card.

(d) Problems to be solved by the invention However, in the case of credit processing, such conventional transaction processing systems had the following problems to be solved: ■ Obtaining credit online or over the phone for each transaction. This requires communication costs and procedures.

■Since bank charges for withdrawals are constant regardless of the amount withdrawn, in small transactions, the ratio of withdrawal charges to the sales amount increases, and the expense ratio to sales increases.

On the other hand, in the case of prepaid processing, ■Retired cards occur.

■The purchase amount for the prepaid card is required in advance, regardless of whether or not it will be used.

■High-priced prepaid cards place a heavy burden on the user.

As described above, there are problems for both the credit processing side and the prepaid processing side.

This invention was made by focusing on these conventional problems, and it issues a card (hereinafter referred to as a "pre-credit card") that has been given credit in advance through credit processing, and allows users to use the pre-credit card. Perform post-payment processing. In addition, the purpose is to provide a transaction processing system and a pre-credit card issuing machine that eliminate the various problems mentioned above by using a pre-credit card that has been given credit in advance and eliminating the need for credit procedures each time it is used. do.

(e) Means for Solving the Problems The transaction processing system according to claim (1) of the present invention includes a credit terminal device that performs credit transactions with a customer, and a credit terminal device that receives transaction data of credit transactions from the credit terminal device to make payments. In a transaction processing system that has a center that performs
It is equipped with a pre-credit card issuing means for issuing a card (pre-credit card) with a credit amount that can be used in advance without credit card authentication with a center, and a pre-credit card issuance means for issuing a card (pre-credit card) that can be used without credit card authentication. The present invention is characterized in that the credit terminal device is provided with means for subtracting the usage amount from the amount.

A transaction processing system according to claim (2) of the present invention is a transaction processing system that includes a credit terminal device that performs credit transactions with a customer, and a center that receives transaction data of credit transactions from the credit terminal device and performs settlement. , information necessary for credit card payment,
It is equipped with a pre-credit card issuing means for issuing a card (pre-credit card) with a credit amount that can be used in advance without credit card authentication with a center, and a pre-credit card issuance means for issuing a card (pre-credit card) that can be used without credit card authentication. The present invention is characterized in that the credit terminal device is provided with means for subtracting the amount used from the amount and means for transmitting the amount used at the time of use to the center.

A transaction processing system according to claim (3) of the present invention includes a credit terminal device that performs credit transactions with customers, and a center that receives transaction data of credit transactions from the credit terminal device and performs settlement. , information necessary for credit card payment,
It is equipped with a pre-credit card issuing means for issuing a card (pre-credit card) with a credit amount that can be used in advance without credit card authentication with a center, and a pre-credit card issuance means for issuing a card (pre-credit card) that can be used without credit card authentication. Credit includes a means for subtracting the usage amount from the amount, a transaction data file that stores and stores transaction data for each customer, and a bulk transaction method that sends the customer transaction data stored in this transaction data file to the center all at once. It is characterized by being provided in a terminal device.

Further, the pre-credit card issuing machine according to claim (4) of the present invention includes a terminal device that accepts a pre-credit card and performs credit transactions with a customer, and a center that receives transaction data of credit transactions from the terminal device and performs settlement. A device used in a transaction processing system having a means for accepting credit cards and obtaining a credit amount that can be used without credit card authentication with a center, and information necessary for credit card payment, as well as the above-mentioned information. and a credit amount granting means for granting the credit amount to the pre-credit card.

(f) In the transaction processing system according to claim 11, a credit card (a credit card) is provided with the information necessary for credit card payment and the credit amount that can be used without credit card authentication with the center. credit card) will be issued.

The usage amount of this pre-credit card is subtracted from the credit amount by the credit card terminal device. Therefore, the pre-credit card can be used as a prepaid card whose value is the amount of credit. A pre-credit card is issued through credit card processing, no credit procedures are required when using the pre-credit card, and validity can be determined based on internal information of the pre-credit card. Furthermore, payment processing is not performed when the pre-credit card is issued, and only the amount used can be processed after the pre-credit card is used.

As a result, even if a pre-credit card is issued, it will not be hoarded as money.

■Since credit procedures are not performed each time a pre-credit card is used, communication costs and effort can be saved.

■Like credit transactions, it has the advantage of ``payment after use.''

In the transaction processing system according to claim (2) of this invention,
The credit terminal device transmits the usage amount to the center when the pre-credit card is used. Therefore, the center can perform payment processing each time a pre-credit card is used.

Further, in the transaction processing system according to claim (3), when the pre-credit card is used, the credit terminal device accumulates and stores transaction data in a transaction data file, and stores the transaction data of the customer stored in the transaction data file. Send data all at once to the center. Therefore, when the customer's usage amount when using the pre-credit card reaches, for example, a predetermined amount, the transaction data is sent all at once to the center. At the center, the transaction data can be processed for payment all at once. This allows communication costs to be reduced.

Further, the pre-credit card issuing machine according to claim (4) of the present invention accepts a credit card, obtains a credit amount that can be used without credit card authentication with a center, and provides information necessary for credit card payment. At the same time, the credit amount is given to the pre-credit card. Therefore, if you have a credit card, you can automatically obtain a pre-credit card without any effort, and you can use the pre-credit card immediately after that.

(g) Embodiment FIG. 1 is a diagram showing a schematic configuration of a transaction processing system that is an embodiment of the present invention. The credit center 6 is composed of a host computer, stores files for storing transaction data, credit data, etc. of each customer, and is connected to a plurality of terminal devices 1, 2, . . . 3 via a public line. . Terminal devices 12... are CAT terminal devices, and 3 is a CAT terminal device with a card reader/writer. This terminal device 3 reads the data on the credit card 4 and requests credit to the credit center 6 via the public line.
A pre-credit card 5 is issued. All CAT terminals 1,
In addition to the conventional processing using a credit card, 2...3 perform a transaction using a pre-credit card 5, and transmit a credit card membership code, usage amount, etc. to a credit center 6 via a public line.

FIG. 2 is a system flowchart of the transaction processing system. First, a credit card is inserted into a pre-credit card issuing machine installed at a store or a CAT terminal with a card reader/writer (terminal device 3 shown in Fig. 1) having the same function, and the predetermined operations are performed. As a result, a credit card request and a pre-credit card issuance request are made to the credit center. At the credit center, we check the validity of the received credit card member code, PIN number, expiration date, etc., and check whether the credit amount does not exceed the credit limit.
If these conditions are satisfied, permission to issue a pre-credit card will be granted. This allows the card issuing machine or card reader/
The CAT terminal with a writer writes necessary information to the pre-credit card and issues a slip. By using the CAT terminal with the issued pre-credit card, the customer can:
The CAT terminal device subtracts the usage amount from the pre-credit card and issues a slip. Thereafter, the CAT terminal device issues a payment request to the credit center directly or through offline processing. At the credit center, payment processing is performed by deducting the usage amount from the credit card account. FIG. 3 is an external view of a CAT terminal device with a card reader/writer having a pre-credit card issuing function. As shown in the figure, a display section IO1 operation panel 11, a card insertion slot 17, and a printer 18 are provided on the top surface of the device. The operation panel 11 includes business keys 12, numeric keys 13, and function keys 14, and one of the function keys 14 is provided with a card issue key 15. Further, a personal identification pad 16 is connected to the main body of the device via a cable.

FIG. 4 is a block diagram of block 3 of FIG. 1 and the control section of the terminal device shown in FIG. A serial interface 25 for communicating with the host computer of the credit center via a public line is connected to the CPU 20, which is a microcomputer, and an LCD controller 21 that controls the display section 10 consisting of an LCD display and a printer 1 day. Print controller 22, keyboard 11, keypad 16, ROMz3,
RAM 24, credit card, pre-credit card reader/writer 27? till '+ card interface 26 for export and floppy disk interface 28 for controlling the floppy disk drive device 29
is connected.

FIG. 5 is a configuration diagram of data recorded on the pre-credit card. Here, the credit card member code, expiration date, and security code are the "information necessary for credit card payments" written on the credit card, the credit amount is the information given by the credit center, and other information such as the amount used is written each time it is used. This is information that can be used.

Next, the processing procedure of the CAT terminal device with the card reader/writer and the accompanying processing procedure of the host computer on the center side will be explained.

FIG. 6 shows the procedure for issuing a pre-credit card performed by the CAT terminal device with a card reader/writer. First, it waits for a credit card to be inserted, and when it is inserted, the card data is read (nO-4nl). Next, it waits for the card issue key to be pressed (n2). If a function key other than the card issuing key is operated, conventional credit card processing is performed (n3). When the card issuing key is pressed, the personal identification number entered from the identification pad is read, and the issuing amount entered by operating the numeric keys is read (n4). After that, the card data and issued amount of the credit card are transferred to CAFrS (NT, which relays data transmission between the terminal and the credit center, etc.).
(one of the telephone line services provided by T)
n5). If permission is given by the center to issue a pre-credit card, a notice will be displayed indicating that the inserted credit card will be replaced with a card medium for issuing a pre-credit card.
Wait for the card medium to be inserted (n6-n8-n
9-=n8). Note that if the center does not give permission to issue a pre-credit card, the credit card is returned as is (n6-n7). When the issuing card medium is inserted into the guard insertion slot, various information shown in FIG. 5 is written on the card (n10). After that, two copies of slips showing the issued credit amount, date, credit card membership code, etc. are issued, one is given to the customer as a receipt along with the pre-credit card, and the other one is kept as a journal. (n11→n12).

Figure 7 shows the above terminal device or other CAT:;M
This is a processing procedure using a pre-credit card in an unequipped device.

First, it waits for the pre-credit card to be inserted, and if it is inserted, the card data is read (n20-n21). Next, read the key information of the amount used, such as the purchase price of the product (n2
2). Then, from the card data read in step n21, the expiration date, valid card (black card check, handled card check, etc.), and whether the amount used is within the credit amount are checked (n23-=n2
4→n25). If any of these is not satisfied, the pre-credit card is returned as is (n30). If all conditions are satisfied, the amount used is subtracted from the credit amount of the card (see FIG. 5), and transaction data etc. are sent to the center (n26-=n27). As a result, the center performs payment processing for the usage amount. Thereafter, a slip indicating the credit card member code, amount used, date, etc. is issued, and the pre-credit card is returned (n28-=n29).

Now, FIG. 8 shows the processing procedure of the host computer on the center side. First, when there is a call from a terminal, data is received from the terminal (n40→n41). If the received data is a message indicating that payment should be made, payment processing will be performed based on the credit card member code and amount used (
142-'fl 43). In the case of a credit card request or a pre-credit card issuance request, the card holder file is first searched, and the presence or absence of a match and the failure of the password are detected (n44-'n45→n47). If any of these is not satisfied, an error is sent to the terminal device (n
46). If the conditions are satisfied and the request is for issuing a credit card, it is determined whether the requested credit amount is less than the remaining amount of credit granted to the customer (n 48-49).

If this condition is also satisfied, the requested credit amount is subtracted from the credit amount balance and permission to issue a pre-credit card is transmitted to the terminal (n50→n51).

For traditional credit card transactions, it is determined whether the transaction amount is within the credit balance, and if this condition is satisfied, the transaction amount is subtracted from the credit balance and the terminal approves the credit transaction. Send to (n52-”n54
→n55). In addition, Pre-Yo will send an error message if the credit balance becomes negative in any transaction using a credit card or a credit card (n46, n
53).

In the embodiment shown above, a payment request is made to the center each time a pre-credit card transaction is performed using a CAT terminal device, but the terminal device is used to set the amount of money spent by each customer to a fixed value. The following is an example in which a payment request is made to the center all at once when the number of payments is reached or when the number of uses reaches a certain number of times.

FIG. 9 is a partial configuration diagram of a transaction data file configured on a floppy disk of a CAT terminal device. This figure shows a transaction data file set for one customer. Data regarding each customer is identified by its credit card membership code (area M 1 ). The data contents include a plurality of transaction data (1) to (n) (area M4), the total transaction amount of these transactions (area M2), and the number of transactions (n) (area M3).

Figures 10 (A) and (B) show the processing procedure of the CAT terminal device. First, it waits for the pre-credit card to be inserted, and when it is inserted, the card data is read (n 60 → n 61
). Next, read the key power of the usage amount, expiry date,
Determine valid card and usage amount (n62
→n63→n64-n65). If these conditions are satisfied, the amount used is subtracted from the card, a slip is issued, and the card is returned (n 66-+n 67-+n 68).

At this point, transaction data etc. are not sent to the center (
payment requests).

Next, the transaction data file (see FIG. 9) is searched to determine whether a file for the customer identified by the credit card membership code exists (n70). If the file does not exist, create a new file (n71--n
72). Subsequently, the transaction data is temporarily stored in the transaction data file, and the sales amount of all transaction data stored in the transaction data file is totaled (n73). Whether the total amount as a result exceeds a certain amount (for example, 30,000 yen) (rI
74), and it is determined whether the number of transactions exceeds a certain number (for example, 10) (n75), and if any of the above, transaction data etc. are transmitted to the center (n76). (Thus, the center performs payment processing all at once.) Thereafter, the transaction data for which the payment has been completed is deleted (n77).

In addition, it is also possible to transmit the transaction data of all customers at once to the center, for example, every month, and request for a lump-sum payment process.

In the embodiment shown above, the process is carried out at a store counter using a CAT terminal, but it is also possible to purchase goods by inserting a pre-credit card into an automatic vending machine. In that case, the amount of purchased goods is automatically entered as the amount of money spent.

In the embodiment of the present invention, since the amount spent, etc. is recorded on the pre-credit card, if a device is available to check the recorded contents as needed, there is no need to notify individuals of the amount spent. There is.

(h1 Effects of the invention According to this invention, a pre-credit card is issued with a credit amount assigned as a so-called credit payment reservation amount through credit processing, and furthermore, when this pre-credit card is issued, no payment processing is performed and the pre-credit card is After being used, payment processing is performed for the amount used, so even if a pre-credit card is issued, the money is not hoarded, and it has the advantage of ``payment after use'' similar to conventional credit cards.

Furthermore, since no credit procedures are required when using the pre-credit card, communication costs and labor can be significantly simplified during use.

[Brief explanation of the drawing]

Fig. 1 is a system configuration diagram of a transaction processing system that is an embodiment of the present invention, Fig. 2 is a system flowchart of the above transaction processing system, and Fig. 3 is a card having a credit card issuing function used in the above transaction processing system. FIG. 2 is an external view of a CAT terminal device with a reader/writer. FIG. 4 is a block diagram of a control section of a terminal device used in the above system. FIG. 5 is a diagram showing the structure of data written to the pre-credit card. 6 and 7 are flowcharts showing the processing procedure of the CAT terminal device with a card reader/writer, and FIG. 8 is a flowchart showing the processing procedure of the host computer on the center side. Figures 9 and 10
Figures (A) and (B) are a partial configuration diagram of a transaction data file provided in a CAT terminal device and a flowchart showing a processing procedure of the CAT terminal device according to another embodiment.

Claims (4)

[Claims] (1) In a transaction processing system that includes a credit terminal device that performs credit transactions with customers and a center that receives transaction data for credit transactions from the credit terminal device and makes payments, information necessary for credit card payments and ,
It is equipped with a pre-credit card issuing means for issuing a card (pre-credit card) with a credit amount that can be used in advance without credit card authentication with a center, and a pre-credit card issuance means for issuing a card (pre-credit card) that can be used without credit card authentication. A transaction processing system characterized in that a credit terminal device is provided with a means for subtracting a usage amount from an amount. (2) In a transaction processing system that includes a credit terminal device that performs credit transactions with customers and a center that receives transaction data for credit transactions from the credit terminal device and makes payments, information necessary for credit card payments and ,
It is equipped with a pre-credit card issuing means for issuing a card (pre-credit card) with a credit amount that can be used in advance without credit card authentication with a center, and a pre-credit card issuance means for issuing a card (pre-credit card) that can be used without credit card authentication. A transaction processing system characterized in that a credit terminal device is provided with means for subtracting the amount used from the amount and means for transmitting the amount used at the time of use to a center. (3) In a transaction processing system that includes a credit terminal device that performs credit transactions with customers and a center that receives transaction data for credit transactions from the credit terminal device and makes payments, information necessary for credit card payments and ,
It is equipped with a pre-credit card issuing means for issuing a card (pre-credit card) with a credit amount that can be used in advance without credit card authentication with a center, and a pre-credit card issuance means for issuing a card (pre-credit card) that can be used without credit card authentication. Credit includes a means for subtracting the usage amount from the amount, a transaction data file that stores and stores transaction data for each customer, and a bulk transaction method that sends the customer transaction data stored in this transaction data file to the center all at once. A transaction processing system characterized by being installed in a terminal device. (4) A device used in a transaction processing system having a terminal device that accepts a pre-credit card and performs credit transactions with customers, and a center that receives transaction data of credit transactions from the terminal device and performs settlement, the device comprising: A means for accepting a card and obtaining a credit amount that can be used without credit card authentication with a center, and a credit amount granting means for assigning the above credit amount to a pre-credit card along with information necessary for credit payment. Pre-credit card issuing machine with.