JPH0410664B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION <Technical Field of the Invention> The present invention relates to a card authentication machine that is installed in a card transaction member store, authenticates a credit card, and executes various card transaction processes.

<Background of the Invention> In recent years, in order to streamline credit card transactions, card authentication machines have been installed at card transaction member stores, and card transaction processing has been carried out using telephone lines between the card authentication machines and the central equipment of each card company. A new transaction processing system was developed to transmit data.
In this type of system, a method using a PIN number is adopted to authenticate the card user, and in this case, it is up to the card company to decide whether to check the PIN number at the central device or at the terminal side. There are differences depending on the This makes it difficult to make one card authentication machine compatible with transaction processing for all credit cards, and this is an obstacle to streamlining card transaction processing.

<Purpose of the Invention> The present invention improves the functionality of the card authentication machine by providing a new card authentication machine that is compatible with different PIN checking methods, and streamlines card transaction processing at card transaction member stores. The purpose is to promote

<Structure and Effects of the Invention> In order to achieve the above object, the present invention provides a data setting area for each company in the storage means, and stores in each area in advance a company code and data specifying a PIN identification method. Then, based on the company code read from the cash card by the reading means, the control device refers to the company-specific data setting area of the storage means and selects one of the methods for determining the PIN number.

According to the present invention, even if the PIN checking method differs depending on the card company, it is possible to support any of the different checking methods, improve the functions of the card authentication machine, and also improve the card transaction processing at the card transaction member store. The invention achieves the purpose of the invention and has excellent effects such as promoting rationalization.

<Description of Embodiments> FIG. 1 shows a card authentication machine installed in a card transaction member store. The card authentication machine in the illustrated example has a device body 1.
A display 2 for displaying transaction data on the top surface, a keyboard 3 having a numeric keypad, transaction designation keys, etc., and a card setting section 4 are provided on one side of the device 1 for communicating with a card company operator, etc. A telephone receiver 5 is provided. The card setting section 4 is provided with a groove into which a credit card is inserted and slid, and a reading head of a card reader is disposed in this groove to read a company code, membership number, PIN number, etc.
Read card record data such as expiry date. A customer operation unit 8 equipped with a numeric display 6 and a numeric keypad 7 is connected to this card authentication machine, and the card user can press the numeric keypad 7 as necessary to
Enter your PIN.

FIG. 2 shows an example of the circuit configuration of a card authentication machine. In the figure, a control device 9 including a CPU (Central Processing Unit) executes a program stored in a storage device 10 (RAM) based on a program stored in a storage device 10 (ROM).
It writes and reads data to and from the computer, controls input/output operations of the printer 11, keyboard 3, card reader 12, and customer operation section 8, and transmits transaction data to the center device 13.

The storage means 10 (RAM) stores information such as that shown in FIG.
A data setting area m for each company shown in FIG. 2 is provided, and flags F ₁ to F ₅ are set in each area m to define a method for determining a personal identification number for each company code and transaction type. These flags F ₁ to _{F 5} are “0”
It is set to either "1" or "2", and "0"
``1'' specifies that the PIN number is not checked; ``1'' specifies that the PIN number be checked on the terminal side, and ``2'' specifies that the PIN number be checked on the center device side. This company-specific data is set using a company-specific data setting card 14 (shown in FIG. 4) on which similar data is magnetically recorded. When this data setting card 14 is set in the card setting section 4, the card reader 12 The magnetic head reads the recorded data on the magnetic stripe 15 and writes it into the company data setting area of the storage means 10.

FIG. 5 shows a control flow of the control device 9,
First, the clerk specifies the transaction type (for example, sales) using the transaction designation key in step 21, and then in step 22
At step 23, the credit card is set in the card setting section 4, and at step 23, the amount is entered using the numeric keypad. As a result, the recorded data on the credit card is read by the card reader 12, and the card read data and key input data are set in a predetermined area of the storage means 10. Next, in step 24, the company code is fetched from the card reading data, and in the next step 25, the company data setting area of the storage means 10 is referred to based on this company code. Then, a data setting area having a matching company code is searched, and a pin number discrimination regulation flag (for example, flag F ₁ ) corresponding to the transaction type is read from the area.

Thus, if flag _F1 is "1", step 2
7 becomes "YES", the process proceeds to step 28, and the card user presses the numeric keypad 7 of the customer operation section 8.
key in your own PIN number. Next, in step 29, the key input data and card read data are compared with respect to the password, and in step 30, the result of the comparison and the details of the transaction are printed out by the printer 11.

On the other hand, if the flag _F1 is "2", the determination in step 27 is "NO", the determination in step 31 is "YES", and the process proceeds to step 32, where the card user presses the numeric keypad on the customer operation section 8. Enter the PIN using the keys. Next, in step 33, the key-input data such as the password is transmitted to the center device 13, and the center device 13 performs a verification process for the password. and step 34
When a response message containing the verification result is received from the center device 13, the verification result and transaction details are printed out by the printer 11 in step 35.

Further, if the determinations in steps 27 and 31 are both "NO", that is, if the flag _F1 is "0", the PIN number is not checked and the process proceeds to step 36.
The details of the transaction are immediately printed out by the printer 11.

[Brief explanation of drawings]

Fig. 1 is a perspective view of the card authentication machine, Fig. 2 is a block diagram showing its circuit configuration, Fig. 3 is an explanatory diagram showing the data contents of the storage means, and Fig. 4 is an explanation showing the data setting card. FIG. 5 is a flowchart showing the control operation of the card authentication machine. 9...Control device, 10...Storage means, 12...
card reader.

Claims (1)

[Claims] 1. A means for reading the company code recorded on the card, a data setting area for each company, and a storage means in each area for storing data specifying the method for determining the company code and PIN number, and a means for reading the company code recorded on the card. A card authentication machine comprising: a control device that selects a password determination method by referring to a company-specific data setting area of a storage means.