JPH04313191A - Credit card transaction terminal equipment - Google Patents

Abstract

PURPOSE:To improve the sureness of sales information stored in the center storage device of a credit card company. CONSTITUTION:A card reader 2 which reads a credit card is provided. The availabiliy of the credit card is collated with a center device 17 of the credit card company using a communication circuit. The sales can be performed only when the credit card is available. In addition to the function performing the sales registration to a center storage device 23 of the credit card company, the sales information is stored at the time of normal sales registration. When job completion is detected by a job completion key, a modem transmits information on the sales stored in the terminal equipment to be collated with the sales information stored in the center storage device 23 of the credit card company till the end of the job completion.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to credit card transaction terminals.

0002

2. Description of the Related Art Conventionally, in a credit card transaction terminal device, as shown in Japanese Unexamined Patent Publication No. 55-39992, when using a credit card, the credit card company name and credit card information recorded on the credit card by a card reader are used. Read the card user's membership number and password number,
When the customer enters the product code and sales amount from the terminal device, and the code number entered by the customer matches the code number read from the credit card, the credit card company's center is notified. call. It also has the function of sending the information input into the terminal device to the center, determining whether a transaction with the customer is possible, displaying the determination result on the terminal device, and issuing a slip as a record of the transaction. have.

0003

[Problem to be Solved by the Invention] However, in the above-mentioned conventional technology, when a transaction is possible after receiving a response from the center side,
Even though sales information has been sent to the center, if a processing error is discovered after the terminal device has finished issuing a slip as a sales registration process due to an error in the center's processing capacity or communication line, the center will Since the sales registration process cannot be performed due to a processing error, if billing is performed using the sales information from the center, problems may occur such as not being able to accurately bill the credit card user. There was sex.

[0004] As a countermeasure to this problem, credit card companies collected slips issued at the time of sales registration processing from stores and billed credit card users based on the contents, but the use of credit cards has increased. As a result, the aggregation work has increased and the cost has become unbalanced. In addition, receipts of slips are collected once a month, and the period from obtaining slips to billing is a manual process, which takes time. There were problems such as the length of time it took to be billed.

[0005] The present invention was made to solve the above-mentioned problems, and in order to compare the sales information sent to the center side at the time of sales with the sales information stored in the terminal device, it is possible to By sending the sales information stored in the terminal device to the center, the reliability of sales information is improved.
It is an object of the present invention to provide a credit card transaction terminal device that can bill a fee based on this sales information, thereby saving labor and reducing operating costs at a credit card company.

[0006]

[Means for Solving the Problems] In order to achieve this object, the credit card terminal device of the present invention has a reading means for reading a credit card, and uses a communication line to determine whether or not the credit card can be used. In addition to the function of inquiring with the center and allowing sales only when it is determined that the credit card can be used, and registering sales with the center,
A storage means for storing information regarding the sales conducted, a detection means for detecting the end of the business, and a storage means for storing the information registered in the center at the time of sales registration and the information registered at the center by the end of the business when the detection means detects the end of the business. and sending means for sending the information stored in the storage means to the center for comparison with the information stored in the storage means.

[0007]

[Operation] The credit card terminal device of the present invention having the above-mentioned configuration has a reading means for reading a credit card, and uses a communication line to inquire with a center whether or not the credit card can be used. In addition to the function of allowing sales only when it is determined that the device can be used and registering the sales at the center, information regarding the sales is stored in the storage means during normal sales registration. Then, when the detection means detects the end of the business, the sending means sends out the information about the sales stored in the storage means until the end of the business in order to check it with the sales registration information stored in the card company's center. do.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment embodying the present invention will be described below with reference to the drawings.

As shown in FIG. 2, the credit card terminal device 1 includes a card reader 2 for reading credit cards.
, a recitation pad 3 for inputting a recitation number, a keyboard 4 for inputting instructions for registration processing and sales amounts, a display 5 for displaying the results, and a printer 6 for issuing slips.

Furthermore, as shown in FIG. 3, the keyboard 4 of the credit card terminal device 1 includes a business key 7 for selecting each processing business using a card, a numerical key 8 for inputting numerical values such as sales amount, and the like. It consists of a product type key 9 that is operated before entering the product type code, a sales type key 10 that specifies the type of sales (payment method), and a business end key 11 that is operated at the end of the day's business. There is.

As shown in FIG. 1, the control section of the credit card terminal device 1 includes the card reader 2, recitation pad 3, keyboard 4, display 5, and printer 6.
In addition to this, there is a CPU 13 that performs overall control, a ROM 14 that stores various control programs, and a RAM 1 that stores information 15 regarding sales and recitation numbers read by the card reader 2.
6. It is composed of a modem 19 that transmits information 15 regarding sales to the central device 17 of each credit card company and receives usage permission from the central device 17 via a telephone line 18, and each is connected to the CPU 13. ing.

Furthermore, the center device 17 includes a center control device 20 that is made up of a large-sized computer and controls the entire device.
and a center storage device 23 that stores credit card holder information 21, sales information 22 sent from a plurality of credit card terminal devices 1, and the like. As mentioned above, the center control device 20 is connected to the plurality of credit card terminal devices 1 via the telephone line 18, modem 19, etc., and is also connected to the center storage device 23.

Next, sales processing and verification processing of the terminal device 1 configured as described above will be explained.

First, as shown in FIG.
The company name, credit card user name, and password number of the credit card to be used are read and stored in the RAM 15 (S1).

[0015] Subsequently, when the customer inputs a recitation number on the recitation pad 3, the CPU 13 confirms that it matches the recitation number stored in the RAM 16 (S2). Then, the operator uses the keyboard 4 to operate the product type key 9 for inputting product information, the sales type key 10 for inputting the type of payment method, the numeric keys 8 for inputting the sales amount, etc. (S3).

When the CPU 13 has collected the sales information 22 necessary for registration, including the sales amount, sales date, and user name (credit card code), the CPU 13 sends the information to the central device 17 of the credit card company corresponding to the company name of the credit card. Automatically dials and sends sales information 22 necessary for sales registration processing to the center device 17 via the telephone line 18 and the modem 19 (S4).

[0017] The center device 17 determines whether or not the sale is possible, that is, allows the use of the credit card, based on the card code in the sales information 22 and the unusable card information in the plurality of credit card holder information 21 stored in advance. It is determined whether or not it is, and the determination result is transmitted to the CPU 13 from the modem 19 via the telephone line 18 (S5). If the use of a credit card is permitted, the center device 17 stores the sales information 22 in the center storage device 23 by the center control device 20.

[0018] Based on the result of determining whether sales are possible (credit check), if sales are possible, that is, if a credit card can be used, the CPU 13 reads the sales information 22 and each data of the credit card company corresponding to the sales information 22. It is stored in the RAM 16 as information 15 regarding sales (S6). Further, the CPU 13 issues a sales slip using the printer 6 based on the sales information 15 stored in the RAM 16 (S7). The operator then hands the sales slip to the customer and keeps a copy of the sales slip.

The above sales processing is performed every time a sale occurs, and as shown in FIG. 1, sales related information 15 is accumulated in the RAM 16 for each sales processing, and is also stored in the central storage device 23 of each credit card company. , sales information 22 regarding the credit card company is sequentially stored.

[0020] When the job is finished, the job end key 1 is pressed.
When 0 is pressed, as shown in FIG.
The RAM 16 is searched (S20), and if the accumulated sales information 15 is found (S20, Yes), the sales information 15 for each credit card company is extracted from the sales information 15 (S21). and,
In order to collate the information 15 regarding the sales, the central device 17 of each credit card company is called via the modem 19 for each credit card company (S22).

[0021] Then, in response to a response from the central device 17 of the credit card company, the CPU 13 sends out all information 15 related to one day's sales to the credit card company in the RAM 16 via the modem 19 (S
23). Then, the center control device 20 collates the received sales information 15 with the sales information 22 stored in the center storage device 23 and registered in the sales processing.

If the verification result is an error, the center control device 20 informs the modem 19 that the verification result is an error.
The information is transmitted to the CPU 13 via (S24). And C.P.
The U13 determines the verification result (S25, No), displays on the display 5 that the verification result is an error (S27), and prints the verification result and the information 15 regarding the credit card company's sales to the printer 6. The list is printed as a list (S28).

On the other hand, if the verification result is normal (S2
5.Yes) or after printing of the error contents is completed, the information 15 regarding sales for which verification has been completed is erased from the RAM 16 (S26), and the process returns to S20 to check whether there is information 15 regarding sales for the next credit card company. To check. Then, the process is performed for all credit card companies in the RAM 16, and when the sales information 15 in the RAM 16 is no longer present (S20, No), the process ends.

Then, only when an error occurs, the sales slip copy and the list are sent to each credit card company. Then, the credit card company corrects the sales information 22 stored in the center storage device 23 based on the sent sales slip copy and list, and charges the user based on the correction.

As described above, according to the credit card transaction terminal device 1 of the present invention, the reliability of the sales information 22 of the credit card company can be improved, and charges can be made based on this sales information 22. It becomes possible to save labor and reduce operating costs at credit card companies.

[0026] In the above embodiment, S27 and S28
is the process when a verification error occurs, and the error is displayed on the display 5 and the error details are printed by the printer 6, but other methods include dialing a specific telephone number and calling the operator of the credit card company. Another method is also possible.

Furthermore, in the above embodiment, the means for detecting the end of work detects the pressing of the end of work key 11, but it is also possible to have a clock inside the terminal device 1 and to indicate that the end of work is over when the specified time arrives. There are also other methods that can be considered. Similarly, although the period of business end is set to one day in this embodiment, the period is not fixed either, and it is also conceivable that the business end is when the storage device of the terminal device 1 becomes full.

[0028]

[Effects of the Invention] As is clear from the above explanation, according to the credit card transaction terminal device of the present invention, the sales information sent to the center side at the time of sales is compared with the sales information stored in the terminal device. By sending the sales information stored at the end of the business to the credit card company's center,
The reliability of sales information can be improved and charges can be billed based on this sales information, thereby saving labor and reducing operating costs at credit card companies.

[Brief explanation of drawings]

FIG. 1 is a block diagram of a control section of a credit card transaction terminal device according to the present invention.

FIG. 2 is a perspective view of a credit card transaction terminal device.

FIG. 3 is a top view of the keyboard of the credit card transaction terminal.

FIG. 4 is a flowchart showing sales processing.

FIG. 5 is a flowchart showing verification processing.

[Explanation of symbols]

1 Credit transaction terminal device 2 Card reader 4 Keyboard 11　Business end key 13 CPU 14 ROM 16 RAM 17 Center device 18　Telephone line 19 Modem 23 Center storage device

Claims (1)

[Claims] [Claim 1] It has a reading means for reading a credit card, uses a communication line to inquire with the center whether the credit card can be used, and only when it is determined that the credit card can be used can sales be made. , in a credit card transaction terminal device that registers sales at a center, a storage means for storing information regarding the sales, a detection means for detecting the end of the business, and when the end of the business is detected by the detection means, the sales registration is performed. A credit card characterized by comprising: sending means for sending the information stored in the storage means to the center in order to check the information registered in the center at the time and the information stored in the storage means by the end of the business. Card transaction terminal equipment.