JPH03228199A - Value subtraction system using method for credit card or cash card - Google Patents

Abstract

PURPOSE:To use a credit card or a cash card as a prepaid card by using a second track whose optional use is permitted linking with a first track for credit essential data. CONSTITUTION:Credit essential data on a first track (a) of a card 1 is read by an R/W terminal of an authorization network and this data, identification data confirmed there, and money data which permits the use of the value subtracting system are transmitted to the host side, and the host side performs credit confirmation and identification and transmits money data and approval data to the R/W terminal side, and the R/W terminal side writes transmission data on a second track (b) of the card 1. That is, the use of the value subtracting system is requested to a POS terminal and data of the amount of paid money is subtracted from money data written on the second track (b) when the card is used in the value subtracting system. Thus, the credit card or the cash card can be used like a prepaid card without credit confirmation and identification.

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial Application Field] The present invention relates to a method for using a value subtractive method in a credit card or a cash card, and more particularly, the present invention relates to a method for using a value subtraction method in a credit card or a cash card, and more particularly, the present invention relates to a method for using a value subtraction method in a credit card or a cash card. This article relates to a method of utilizing the second track to enable the card to be used like a free bait card.

[Background Art] In recent years, with the widespread use of credit cards and cash cards, a cashless society has rapidly developed and is bringing about major changes in social life.

In particular, in the credit card industry, CAFIS (Credit and Fina) is used to manage sales at each member store and automatically process cardholders from each member store.
nce InforlIlation Process
It is now possible to do this using a dedicated line of an authorization network called ing system. In other words, card processing data generated at each member store is transferred to CAT (Credit Au
Th.

The data is input to the CAFIS authorization terminal, reads essential credit data from the magnetic stripe, and is transmitted along with payment method selection data to the CAFIS authorization center via a dedicated line for inquiry, allowing for smooth and speedy credit processing and sales processing. It looks like this. Also, such a network is L A N (
Local area net.

It may also consist of a store computer using rk) and a POS terminal.

On the other hand, in recent years, prepaid cards, which are value-deductible cards, have become increasingly popular, such as telephone cards, transportation cards, etc.
They are becoming widely used as eating and drinking cards, game cards, etc. This prepaid card is similar to a credit card in that it is used to purchase goods and receive services cashlessly, and there is no need to verify credit or identity each time it is used.
It has the advantage of enabling simpler cashless transactions in areas such as small-value transactions.

[Invention or problem to be solved] By the way, in a credit card system, each time the card is used, the CAT reads the required credit data written on the magnetic strip of the card and transmits it to the authorization center. In addition to verification, the card user is asked to enter a PIN number or sign, and the transaction is approved after credit and identity verification. That is,
In a credit card system, the above-mentioned credit confirmation and identity confirmation are considered absolute conditions for transactions.

However, due to the rapid spread of credit cards, there are member stores with a wide variety of business activities, such as amusement parks and fast food chain stores, which require very quick receipt transactions in extremely crowded places. The number of affiliated stores is increasing. In such a case, if you perform the above-mentioned credit check and identity verification, the process cannot be done quickly because the identity verification involves entering a PIN number or writing a signature, which increases the processing time at the accounting counter and increases the processing time. The procedures become extremely complicated. Due to these circumstances, recently,
Based on the premise that the credit card company bears the risk, even in transactions using credit cards, accounting procedures are completed without the need to enter a PIN number or write a signature, i.e., by omitting identity verification. This is actually being done.

This is essentially equivalent to using a credit card as a prepaid card, and as it is a transaction that ignores the absolute conditions of the credit card system, it may lead to the collapse of the system and impair the security of transactions. This is a situation that should be cause for concern.

By the way, some international credit cards are equipped with a multi-track magnetic stripe, and in this multi-track system, other free tracks can be optionally used in conjunction with the track for credit data. It has become. In addition, domestic credit cards currently use a single track system, or by increasing the width of the magnetic stripe.
There is no problem in providing a plurality of tracks for the same purpose as above.

In addition, cash cards themselves are used to purchase goods and receive services, etc. Like credit cards, essential credit data is written on the magnetic stripe, and credit verification and identity verification are required. The cash service will be provided after confirmation.

Therefore, the present invention utilizes a second track, which is optional or permitted, in conjunction with the first track for credit-required data in credit cards and cash cards, thereby allowing credit cards to be credited without harming the card system. It was created with the purpose of providing a method that allows cards and cash cards to be used like prepaid cards.

[Means for solving the problem] The first invention has a magnetic stripe of multiple tracks,
In the method of using a credit card or cash card, data for credit or cash services including required credit data is written in the first track, and the second track can be used as an option. The terminal reads the credit-required data on the first track of the card, transmits the credit-required data, the identity verification data, and the amount data for which the cardholder requests the use of the value subtraction formula to the host side of the network, and the host side Then, the transmitted required credit data and identity verification data are checked against the registered data, and if it is possible to approve the use of the value subtraction formula for the amount, the amount data and approval data are registered, and the approval data is The data is transmitted to the R/W terminal side, and the R/W terminal side writes the transmitted approval data and the amount data to the second track of the card, and thereafter, to the POS terminal of the network,
If there is a request to use the card value deduction formula, PO5
The terminal reads the approval data of the second track of the card, and the amount data of the second track of the same card is the remaining amount data obtained by subtracting the usage amount data related to the purchase of goods or receipt of services by the card holder from the same amount data. This relates to a method of using a value subtraction method in a credit card or cash card, which is characterized by rewriting the data to a value and storing approval data and usage amount data.

The second invention has a multi-track magnetic stripe,
In the method of using a credit card or cash card in which credit or cash service data including required credit data is written in the first track and the second track can be used offline, the authorization network R/ The W terminal reads the credit-required data in the first track of the card, transmits the credit-required data, identity verification data, and amount data for which the card owner requests the use of value subtraction formula to the host side of the network, and The side checks the transmitted required credit data and identity verification data against the registered data, and if it is possible to approve the use of the value subtraction formula for the amount, registers the amount data, approval data, and validity period data. At the same time, the authorization data and validity period data are transmitted to the R/W terminal side, and the R/W terminal side writes the transmitted data and the amount data to the second track of the card, and from then on, the POS of the authorization network When a request is made to the terminal to use the card's value deduction method, the POS terminal reads the second track approval data and validity period data of the card, checks the validity period, and allows transactions within the same period. In some cases, the original written amount data is left as is, and each time the cardholder purchases an item or receives a service, the remaining amount data is subtracted from the original written amount data and written in the second track. A value subtraction method for credit cards or cash cards that is characterized by rewriting the remaining amount data by subtracting usage amount data related to new usage from the same remaining amount data, and storing approval data and the new usage amount data. Concerning how to use it.

[Function] A credit card or a cash card having a magnetic stripe with multiple tracks has various code data necessary for each card system recorded on the first track of the magnetic stripe, and the second track has the above-mentioned code data recorded on the first track of the magnetic stripe. This area has been set aside as an optional area on the condition that it be used in conjunction with court data.

In the first invention, the second track is used as an area for writing amount data and approval data that approve the use of the requested value subtraction formula.

The writing procedure is to first have the R/W terminal of the authorization network read the credit-required data of the first track of the card, and then write the same data and place it on the spot. The personal identification data and the above-mentioned amount data are transmitted to the host side of the network, and the host side determines whether or not to grant approval based on these data. That is, at this stage, in order for the credit company etc. to be responsible for the amount for which the use of the value subtraction formula is approved, credit verification and identity verification are performed and approval is given. Also, the host side registers the above-mentioned amount data and approval data at this stage. Note that the personal identification data may be data obtained by inputting a personal identification number or data obtained by signature verification.

Then, the host side sends the amount data and approval data to R/
The data is transmitted to the W terminal side, and the R/W terminal side writes the received transmission data to the second track of the card. As a result, the amount is written in the second track of the card as electronic data after credit verification and identity verification.

Therefore, when using the card with value subtraction, PO
If you make this request to the third terminal and subtract the amount data used by the cardholder or affiliated store for purchasing goods or receiving services from the amount data written in the second track, credit It becomes possible to use a credit card or cash card in the manner of a prepaid card without verification or identity verification. However, since the payment was not made in cash, the member store needs to know the approval data and card usage amount data in order to bill the credit card company later.
Store these data on the terminal side.

In the second invention, the second track is used as an area for storing amount data and approval data that approve the use of the requested value subtraction formula, and also as an area for writing valid period data and remaining amount data after use. use.

In this invention, the procedure for writing the initial amount data, approval data, and validity period data is the same as in the case of the first invention, or the procedure for writing the initial amount data, approval data, and validity period data is the same as in the case of the first invention. The feature is that the written amount data is left as is, but the remaining amount data is rewritten.

If such a method is adopted, the initial charge-in amount data will be given meaning as an approved convenient credit line, and in the first invention, credit companies, etc. will allow the use of value subtraction from the cardholder's account. In contrast, in this invention, the amount corresponding to the used credit limit of the cardholder's account is held and only the amount requested by the member store is deducted. Also, by updating the validity period, it becomes possible to set the original written amount data as the approved credit limit again.

[Example] Embodiments of the present invention will be described below with reference to the drawings.

Figure 1 shows the front view of a credit card.
The magnetic stripe 2 provided on the card has a first track a on which normal credit data is written and a second track b on which no data is written. In addition, the first track a has the start code I based on the JIS II specifications.
D mark, PIN number, company coat, membership number, optional coat, on/off classification, online usage area, expiration date,
There is a data area for a reserve area, a validity code, an end code, and a check character, in which predetermined data is written in advance.

In this embodiment, the above-mentioned credit card is used as a CAFIS CAT and p as shown in FIG.

Assume that the terminal is used in the S compound terminal 3 (hereinafter referred to as PO3 terminal 3). Furthermore, this PO5 terminal 3 is R/
In FIG. 2, 4 is a cluster controller, 5 is a store computer, and 6 is an authorization center.

Embodiment 1 First, the procedure for writing value subtraction type usage amount data to a credit card will be explained with reference to the communication sequence flow shown in FIG.

When the card is inserted into the PO5 terminal 3, the terminal 3 reads the essential credit data necessary for credit from the first track a of the card 1 [steps (1) and (2)], and calculates the password and value. Request input of formula usage amount data.

Here, the credit and essential data are those used in a normal credit card system, and the necessary data is read out from the ID mark, business type code, PIN number, company code, membership number, expiration date, and validity code. That will happen.

According to the request of the POS terminal 3, when the cardholder inputs the above data and turns on the transmission key, the POS terminal 3
Controls the store computer 5 or cluster controller 4 that has received the above-mentioned credit-required data and input data from the computer, transmits the data to the authorization center 6 via CAFIS, and sets a receiving waiting mote [Step (3) to (7) 1° The transmission key has the significance of being a key for requesting the authorization center to write value subtraction type usage amount data.

On the other hand, on the authorization center 6 side, the required credit data of each card is registered in advance based on the credit card system, and on the side of the authorization center 6, the required credit data and PIN number transmitted from the POS terminal 3 are registered in advance. Check whether it matches the registered data [Steps (8) and (9)]
)】.

Then, if they match, it means that credit verification and identity verification have been completed, and we immediately check whether the value subtraction formula usage amount of the transmitted data is within the approved range [Steps (10) (11)
)].

As a result of the above-mentioned confirmation, if the required credit data matches the PIN number or the registered data, and if the value subtraction type usage amount is within the approved range, the authorization center 6 directly approves the data. Create data and use the same data as CAF
It is transmitted to the POS#A terminal 3 side via the IS, and the approval data and value subtraction type usage amount data are registered [Steps (12) and (13)]. In addition, the approval data is
This data is necessary to later check the request from the member store where the POS terminal 3 is installed, and it consists of the approval number, approval date, company coat, etc.

When authorization data is transmitted from the authorization center 6 to the POS terminal 3 side, the POS terminal 3 receives it via the cluster controller and sends the authorization data to the second rack b of the inserted credit card 1. At the same time, write the previously input value deduction formula usage amount data next to the approval data [Step (16) (1,
7)]. Then, upon completion of this data writing, the credit card I is ejected and returned to the card owner [step (18)].

On the other hand, if the data received from the POS terminal 3 in steps (9) and (10) does not match the registered data, and the credit verification or identity verification ends in failure, or the requested amount data or approval limit is If it exceeds the limit, the authorization center 6 returns the invalid data to the PO3 terminal 3 and refuses to write the value subtraction type usage amount data, and the PO3 terminal 3 writes the data to the second drag b of the credit card 1. Ejecting the card without writing data [Step (1)
0) (11) (14) (15) (18th.

As described above, after credit verification and identity verification, the approval data and value subtraction type usage amount data are written in the second drag B of credit card L, as shown in Figure 4. Next, the procedure for performing transaction processing using the member store leverage card 1 will be explained with reference to the flowchart shown in FIG.

First, data on the amount to be paid when the cardholder purchases goods or receives services at the affiliated store is input into the POS terminal 3 of the affiliated store, and when the cardholder or the credit card 1 When there is a request to use the value subtraction method, the operator of the affiliated store sets up a mote for using the value subtraction method [Steps (21) and (22)] A credit card is inserted into the POS terminal 3 at the mote. Then, the PO3 terminal 3 checks whether the approval data of the second drag b of the same card l exists, and if the same data exists, the above-mentioned payment is made from the value subtraction type usage amount data written in the second drag b. The amount data (used amount data) is subtracted [steps (23) to (26)].

In addition, if the card or value subtraction method has already been used, the data on the amount used for the value subtraction method for the second drug b will be the amount corresponding to the amount used or the amount data subtracted from the original written amount data. ing.

Then, the PO5 terminal 3 determines that the above subtraction result is 0 or (
+), rewrite the amount data of the second drag b of credit card 1 to the amount data after subtraction,
Furthermore, the approval data confirmed above and the usage amount data are correlated and transferred to the store computer 5, the store computer 5 stores the transferred data in memory, and the PO
3. The card 1 is ejected from the terminal 3 as best as possible to complete the accounting process [steps (27) to (30)].

On the other hand, if it is not confirmed in step (25) that the data is approved, a message that the card cannot be used is displayed and the use of the card is refused [step (31)], and in step (27), the result of subtraction (- ), a message indicating that there is a shortage remaining is displayed [step (32)].

Of course, no cash was paid in this case, but only electronic accounting. Therefore, the affiliated store requests the credit company for the amount of money spent on the card along with approval data, usage details, etc., and the credit company pays the amount spent to the affiliated store on behalf of the cardholder. Then, the credit company will check the approval data registered at the authorization center and the value-deductible usage amount data, and then request the cardholder to pay the same amount on a certain deadline.

Example 2 The procedure for writing the value subtraction type usage amount data to the credit card in this example is shown in the communication sequence flow in Figure 6, and the accounting procedure using the card at the member store is shown in Figure 8. .

The procedure for writing the value subtraction type usage amount data to the credit card in this embodiment is basically the same as that of the first embodiment.
Similarly, the POS terminal 3 transmits the required credit data, PIN number data, and value subtraction type usage amount data to the authorization center 6, and the center 6 performs credit verification and identity verification, and sends the authorization data to the POS. Return to terminal 3 side [Steps (41) to (52).

However, in this case, the validity period data related to the use of the value subtraction formula is also returned together with the authorization data, and the authorization center 6 registers the authorization data, the usage amount data of the value subtraction formula, and the validity period data. The same data is also written on the terminal 3 side to the second rack b of the credit card 1 [steps (52) to (58)].

Therefore, the contents of the data written to the second rack b of the credit card l are as shown in FIG. It has significance as monetary data. Further, in this embodiment, the second rack b of the credit card l has an area reserved for writing usage details data and balance amount data.

Next, in the transaction processing procedure using the card at the member store, basically the same as in the first embodiment, data processing is executed on the premise that the approval data is confirmed [step (61)].
) ~ (65) ].

However, in this embodiment, by referring to the validity period data written in the second rack b of credit card l, it is also confirmed whether or not the value subtraction formula of card l is used, and whether or not it is within the validity period. In this case, the usage amount data is subtracted from the credit line amount data of 8 Nidrak B [steps (66) and (67)].

In addition, in this embodiment, after confirming that the subtraction result is O or (+), the usage details data is written to the second rack b of credit card l, the credit line amount data is left as is, and the remaining amount is The data is rewritten to the amount data after the subtraction, the approval data and the usage amount data are stored in the memory of the store computer, and the card I is ejected [steps (68) to (71)].

As described above, in this embodiment, the value subtraction type usage amount data has significance as credit limit amount data as described above, and the validity period data related to its usage is also written.
Furthermore, since the remaining amount is independently rewritten without rewriting the originally written credit limit amount data, the original written amount is automatically retrieved from the cardholder's account as in Example 1. Unlike the system where the card is deducted all at once, only the amount of the value subtraction method used for Card 1 will be deducted from the account. Additionally, when the validity period expires, you can simply renew the credit limit and have it set at the same credit limit amount.

In addition, in the above-mentioned Example 1.2, the data processing method for credit confirmation and identity verification is the same for a cash card, and if a two-track magnetic stripe is provided for the cash card, The same card can be used as a prepaid card in a similar manner.

[Effects of the Invention] As described above, the present invention enables the second track of a credit card or cash card having a multi-track magnetic stripe to be used as the first track on which data for credit or cash service is written. When used in conjunction with a truck, it is possible to use a credit card or cash card like a prepaid card. That is, without harming the card system, transactions that do not require credit confirmation or identity confirmation are eliminated, and transactions at member stores are made faster.

In addition, since value subtraction type usage amount data is written on the credit card or cash card, there is no need to own a separate prepaid card, and in addition, there is no need to own a separate prepaid card. There is also the advantage that high reliability can be ensured when using the value subtraction formula.

[Brief explanation of drawings]

Figure 1 is a front view of a credit card, Figure 2 is a CAF
The IS system configuration diagram, Figures 3 and 6 are communication sequence flows showing the procedure for writing value subtraction type usage amount data, etc. to a credit card, and Figures 4 and 7 are diagrams of each track of the magnetic stripe. The figures showing the data, FIG. 5 and FIG. 8, are flowcharts showing the accounting procedure using the card at the affiliated store. l...Credit card 2...Magnetic strife a
...First track b...Second track 3...p
OS terminal (combined CAT and POS terminal) 4...
・Cluster controller 5...Store computer 6...Authorization center Patent application agent Patent attorney Toshikazu Nagai Figure 5 Zutandan

Claims (2)

[Claims] (1) Use of a credit card or cash card that has a multi-track magnetic stripe, in which credit or cash service data including required credit data is written on the first track, and the second track can be used as an option. In the method, an R/W terminal of an authorization network reads the credit-required data of the first track of the card, and transmits the credit-required data, the identity verification data, and the amount data for which the cardholder requests the use of the value subtraction formula to the cardholder. The amount data is transmitted to the host side of the network, and the host side checks the transmitted credit essential data and identity verification data against the registered data, and if it is possible to approve the use of the value subtraction method of the amount, the amount data At the same time, the approval data is transmitted to the R/W terminal side, and the R/W terminal side writes the transmitted approval data and the amount data to the second track of the card. When a request is made to the POS terminal to use the card's value subtraction method, the POS terminal reads the approval data on the second track of the card, and calculates the amount data on the second track of the card from the same amount data. A value subtraction formula for credit cards or cash cards, which is characterized by rewriting usage amount data related to the purchase of goods or receiving services, etc. by a person to residual amount data after subtracting it, and storing approval data and usage amount data. how to use. (2) Use of a credit card or cash card that has a multi-track magnetic stripe, with credit or cash service data including essential credit data written on the first track, and the second track optionally available. In the method, an R/W terminal of an authorization network reads the credit-required data of the first track of the card, and transmits the credit-required data, the identity verification data, and the amount data for which the cardholder requests the use of the value subtraction formula to the cardholder. The amount data is transmitted to the host side of the network, and the host side checks the transmitted credit essential data and identity verification data against the registered data, and if it is possible to approve the use of the value subtraction method of the amount, the amount data At the same time, the approval data and validity period data are transmitted to the R/W terminal side, and the R/W terminal side registers the approval data and validity period data.
The W terminal side writes the transmitted data and the above-mentioned amount data to the second track of the card, and from then on, when there is a request to use the value subtraction method of the card to the POS terminal of the authorization network, the POS The terminal reads the approval data and validity period data of the second track of the card, checks the validity period, and if the transaction is within the same period, the original written amount data remains unchanged and the cardholder purchases the item. Or, each time a service is received, the remaining amount data that is subtracted from the original written amount data and written in the second track is changed to the remaining amount data obtained by subtracting the usage amount data related to new usage from the same remaining amount data. A value subtraction method for using a credit card or a cash card, which is characterized by rewriting and storing approval data and new usage amount data.