JPH04370898A - Card transaction terminal equipment - Google Patents

Abstract

PURPOSE:To make the designation of the card type disused with a card transaction terminal equipment which can perform the settlement of accounts with use of either of credt and bank cards. CONSTITUTION:A RAM 3 contains a credit company table including the corporate codes of the credit companies and a bank table including the bank codes. Then the corporate code or the bank code included in the card data read by a card reader 5 is retrieved out of the corresponding table. Thus the card type is decided and the sale processing is automatically carried out in accordance with the decided type. Thus it is not required to designate the type of the using card. Then the operation is simolified and the malfunctions caused by the operating mistakes can be evaded.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card transaction terminal device for processing sales of products using a card.

0002

[Prior Art] When a customer attempts to purchase a certain product using a credit card issued by a credit card company, store personnel generally use a card transaction terminal to register the sold product, and the customer Performs processing to cause the card reader to read the received credit card. Furthermore, in addition to credit cards, systems have recently been developed that allow customers to pay for products using bank cards issued by banks (so-called cash cards). Either one can be used arbitrarily.

0003

[Problems to be Solved by the Invention] However, with conventional card transaction terminal devices that allow the use of both credit cards and bank cards, when selling a product, the operator has to decide whether the card to be used is a credit card or a bank card. This type must be specified (declared) in advance. Therefore, when the card presenter (customer) presents a credit card, it is specified that the transaction is to be processed using a credit card, and when the card presenter presents a bank card, it is specified that the transaction is to be processed using a bank card. had to be done. In this way, when processing sales, even though the card to be used is obvious to the clerk, the clerk has to specify the type of card each time, which not only makes the operation complicated but also requires input. There is a problem in that it is easy to make mistakes, and an incorrect specification results in an error that requires reprocessing.

[0004] An object of the present invention is to provide a card transaction terminal device that allows an attendant to process sales without having to specify the type of card to be used.

[0005]

[Means for Solving the Problems] The present invention provides a card reader for reading card information of credit cards and bank cards, a means for inputting data of sales products, and a means for reading card information of credit cards or bank cards to sell products. In a card transaction terminal device equipped with a card transaction processing means for processing sales, the table data storage means stores a credit card company table including a company code of a credit card company and a bank table including a bank code, and read card information. card type determining means for searching the table for a company code or bank code to determine the type of the read card; and means for automatically performing sales processing corresponding to the type of the read card. Features.

[0006]

[Operation] In the card transaction terminal device of the present invention, the company code or bank code in the card information read by the card reader is searched from the credit card table including the company code of the credit card company or the bank card table including the bank code. The card type is then determined. Then, depending on the type of card, for example, if the card that was read is a credit card, sales processing will be performed for payment with a credit card, and if the card that was read is a bank card, sales processing will be performed for payment with a bank card. It will be done.

[0007] In this way, there is no need to specify in advance the type of card to be read, which simplifies the operation and prevents erroneous operations.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows a block diagram of the configuration of a card transaction terminal device which is an embodiment of the present invention. In Figure 1, C
PU1 executes a program written in advance in ROM2, thereby making the entire device function as a card transaction terminal device. The RAM 3 includes areas for a credit card table containing the company code of the credit card company and a bank card table containing the bank code, and these table data are set from the host computer side. In addition, RAM3 temporarily stores read card data, temporarily stores input data from the pin pad or keyboard, temporarily stores output data to the printer or display, temporarily stores messages to be sent and received via the communication controller, and other flags. It is also used to store data. The card reader 5 reads the magnetic stripe of the card scanned by the clerk. The CPU 1 reads card data via the interface circuit 4. The pin pad 7 is an input device for verifying the identity of the person presenting the card, and the CPU 1 reads the recited number input from the pin pad 7 via the interface 6 and determines whether it matches the recited number included in the card data. conduct. The keyboard 9 is used for registration processing of sold products, etc.
The PU 1 reads the contents of key operations via the interface 8 . The printer 11 is used to record the details of card transaction processing, and the CPU 1 is used to record the processing details of card transactions.
The print data is given to the printer 11 via the printer 11. The display unit 13 displays various guidance displays to the staff member or the person presenting the card. The CPU 1 provides display data to the display section 13 via the interface 12. Communication controller 1
5 transmits the card transaction details to the host computer by transmitting and receiving electronic messages to and from the host computer. The CPU 1 inputs and outputs messages to and from the communication controller 15 via the interface 14.

Next, FIG. 2 shows the structure of card data written in advance on the card used by the customer. In FIG. 2, (A) is the card data of the credit card,
The member number is written in A2, and the company code of the credit card company is written in A3. Further, other information is written in A1 and A4. FIG. 2B shows card data of a bank card, in which the membership number is written in A2, the bank code is written in A3, and other information is written in A1 and A4. Figure (C) shows data for a card that combines a credit card and a bank card, with the membership number written in A2, the company code = bank code data written in A3, and other information written in A1 and A4. There is. Figure (D) shows another type of card data that uses both a credit card and a bank card, in which the credit card membership number is written in A12, the company code of the credit card company is written in A13, and the bank card is written in A22. The bank code is written in the member number, A23. Further, other information is written in A11, A14, A21, and A24.

Next, FIG. 3 shows the structure of table data configured in the RAM 3 shown in FIG. 1. In Figure 3 (
A) is a credit card company table, and A, B,
For each credit card company C...X, card company information, company code, and card processing information are stored. FIG. 2B shows a bank card table, which stores bank information, bank codes, and card processing information for banks A, B, C, . . . , X, respectively.

Next, the processing procedure of the CPU 1 shown in FIG. 1 is shown in FIG. First, read the key operations performed by the staff member (n1
). Then, registration processing of sold products is performed according to the contents of the key operation (n2). Next, a message indicating that a card should be input is displayed on the display section, and the card input is waited for (n3). When the card is scanned by the clerk, the card data is read and the code that matches the company code or bank code area (A3 in Figure 2) in the card data is displayed in the credit card company table shown in Figure 3 (A). or search from the bank table shown in Figure 3(B) (n
4→n5). If the card exists in the credit card company table but not in the bank table, the input card is regarded as a credit card and sales processing using the credit card is performed based on the card data (n6 → n
7→n8). Also, if the table search results show that the card exists in the bank table but not in the credit card company table, the input card is regarded as a bank card, and sales processing using the bank card is performed based on the card data (n6→ n9→n10). Also, if the company code or bank code of the entered card does not exist in any table, a message indicating that the transaction is not possible is displayed (n6 → n9
→n11). Additionally, if the company code or bank code in the card data matches both the company code in the credit card company table and the bank code in the bank table, the card is considered to be a combination credit card/bank card, A guide is displayed to select the type of payment: credit card payment or bank card payment (n6→n7→n12). Thereafter, the type selection key operation by the staff member is read (n13). If "credit card processing" is selected, sales processing using a credit card is performed (n14→n8). If "bank card processing" is selected, sales processing using a bank card is performed (n15→n10).

[0012] In the embodiment shown above, when the card is a combination credit card/bank card, it is possible to select which method to use for payment, and when the card is a combination of credit card/bank card, the payment method is selected depending on the type of the card. Since the sales processing is automatically performed, it is possible to handle three different types of cards.

[0013]

[Effects of the Invention] According to the present invention, there is no need for the staff member to specify the card type before starting the sales processing operation, which simplifies the operation and prevents malfunctions caused by incorrectly specifying the type. can.

[Brief explanation of drawings]

FIG. 1 is a block diagram of a card transaction terminal device according to an embodiment.

FIG. 2 is a diagram showing the structure of card data.

FIG. 3 is a diagram showing the configuration of a data table.

FIG. 4 is a flowchart showing the processing procedure of the card transaction terminal device.

Claims (1)

[Claims] Claim 1: A card reader for reading card information of credit cards and bank cards, means for inputting data of sales products, and card transaction processing for reading card information of credit cards or bank cards to process product sales. In a card transaction terminal device equipped with means,
a table data storage means for storing a credit card company table including a company code of a credit card company and a bank table including a bank code; and a table data storage means for storing a credit card company table including a company code of a credit card company and a bank table including a bank code; A card transaction terminal device comprising: a card type determining means for determining the type; and a means for automatically performing sales processing corresponding to the type of the read card.