JPH0459663B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (A) Field of Industrial Application The present invention is directed to a transaction settlement processing device that allows a customer to make a payment using a card when purchasing a product at a store, for example.

(B) Prior Art Conventionally, there is a transaction method for making purchases using a card as described in Japanese Patent Application Laid-open No. 109351/1983.

In other words, a terminal device installed at the store inquires of the customer's financial institution whether or not the payment is possible.
This is a method in which the product is sold after receiving a response from the corresponding financial institution that payment is possible.

(c) Problems to be solved by the invention In the conventional method described above, the transaction procedure is carried out using the card after confirming with the financial institution whether the customer can agree to the payment using the customer's card. However, since the decision on whether or not to make a payment is made by the dealing financial institution, there is a problem in that the retailer does not have the flexibility to make the decision.

Furthermore, if the customer and the retailer are dealing with different financial institutions, a separate procedure is required to withdraw the transaction amount from the customer's financial institution account and deposit it into the retailer's financial institution account. Another problem is that in order to make the transfer process more efficient, it is necessary to open a branch of the financial institution near the customer or store.

Therefore, this invention eliminates the cost of opening a branch as mentioned above, and allows for efficient card payments.
Furthermore, the present invention aims to provide a transaction settlement processing device that can perform transactions with flexibility.

Furthermore, by requesting a transfer process after the retailer has made clear the existence of both the customer's account and the retailer's account, problems with credit card transaction processing can be prevented. The purpose is to provide a transaction settlement processing device with improved reliability.

(d) Means for Solving the Problems This invention connects the transaction settlement processing device to the device of the customer's financial institution and the device of the store's financial institution through a communication line, and A card reader that reads the account data of the customer's financial institution, an input device into which the transaction amount of the customer's purchased products is input, and a card reader that reads the account data of the customer's financial institution and the usage read by the card reader. A transaction settlement processing device comprising a memory for storing account data of a customer's financial institution and a transaction amount of a purchased product inputted by the input device, and a control means for driving and controlling these, the control means At the time of transaction settlement, the transaction settlement processing device executes a balance inquiry to the customer's financial institution based on the account data of the customer's financial institution, and determines whether or not the transaction is possible based on the deposit balance. When the customer determines that the customer's transaction amount cannot be paid, the payment processing is canceled, and when it is determined that payment is possible, the transaction payment processing device will process the payment of the merchant's transaction amount based on the account data of the merchant's financial institution. The transaction settlement processing device has a processing function that transmits transfer processing request data consisting of a transfer source financial institution account name, a transfer destination financial institution account name, and the transaction amount to a corresponding financial institution and requests transfer processing. It is characterized by

(e) Functions and Effects According to this invention, the transaction settlement processing device, which is a terminal device, is provided with a function to determine whether a transaction is possible or not, and standards for whether a transaction is possible or not can be set for each store. For example, If the average selling price is relatively high, such as at a precious metals store, and even if the deposit balance is the amount that can be paid, if the deposit margin is insufficient or low, It is possible to set standards for accepting or rejecting transactions based on the actual situation, such as determining that payment is not possible, making transactions more flexible and smoother.

Furthermore, based on the instructions from the transaction payment processing device, which is a terminal device installed at the store, the store and the customer's financial institutions are requested to perform the transfer process based on the card account data. Even if the store and the customer have different financial institutions and are geographically separated, the purchase price can be reliably settled by card by requesting a transfer process.

Furthermore, we check the balance of the customer's financial institution account and then request the store's financial institution to transfer the transaction amount.
When requesting a transfer process, the retailer can make the request for the transfer process after making clear the existence of both the customer's account and the retailer's account, which prevents troubles in card transaction processing. Improved reliability.

(F) Embodiment of the Invention An embodiment of the invention will be described in detail below based on the drawings.

The drawing shows a transaction settlement processing device of a terminal device in which a customer pays for purchases using a cash card in a supermarket.
2 is an input device for passengers, and 2 is an operating device for staff.

The input device 1 for customers has a numeric keypad 3, a confirmation button 4, and a display section 5. The numeric keypad 3 is used by the user to input a password that the user memorizes, and the input password is displayed on the display section 5. The customer confirms this and if it is OK, presses the confirmation button 4 to complete the input of the password. Note that when the confirmation button 4 is pressed, the display on the display section 5 is cleared.

The staff operation device 2 includes a keyboard 6, a display section 7, a card reader 8, a receipt issuing machine 9, and a journal printer 10. A numerical value is input, and the function key 12 specifies yen when the input number is an amount, and specifies this when performing transfer processing.

The display unit 7 displays the amount input by the clerk or the amount data transmitted from the bank.

The card reader 8 reads the card data by manually feeding the cash card 13 carried by the customer into the card reader 8, and the card 13 also contains the bank number and branch number of the bank (transfer source) with which the customer is making transactions. Necessary card data such as , account number, and PIN number are magnetically recorded.

The receipt issuing machine 9 issues a receipt with printed transaction details to be given to the customer, and the journal printer 1
0 prints transaction details on journal paper.

FIG. 2 shows a control circuit of a transaction settlement processing device which is a terminal device, and the MCPU 14 is composed of, for example, a microprocessor. Memory 15 is ROM
A program is stored in the ROM, and the MCPU 14 controls each circuit device according to the program. In addition, as shown in Figure 3, the RAM contains the bank number, branch number, and account number of the bank (transfer destination) with which the supermarket does business, as well as the amount and total amount of each product purchased by the customer, and each bank number. A conversion table corresponding to the telephone number and various data such as amounts and instructions transmitted from the bank are stored and read out.

The input/output interface 16 is connected to various devices.
The MCPU 14 is connected, and the transmission control circuit 17 has an auto-dial function and performs automatic dialing.
This circuit 17 is connected to a public telephone line via a modem 18 and a network control device 25.

Note that the power supply device 19 supplies power to each circuit device.

Further, the transaction settlement processing device, which is the terminal device described above, may be connected to the supermarket's bank through a specific telephone line.

Figure 4 shows the banks that the supermarket does business with.
The CPU 20 is a computer that controls each device according to a program, is connected to a public telephone line via a communication control device 21, a modem 22, and a network control device 25, and is connected to the above-mentioned terminal device (staff operating device 2). The supermarket will be connected to its bank through a public telephone line.

Center file 23 connected to CPU 20
The customer's transaction data is stored in the file.

A switching CPU 24 is connected to the CPU 20 via modems 22, 22, and this CPU 24 has a telephone switching function and connects the customer's bank via a specific telephone line. Note that this telephone line can also be a public line.

To explain the transaction settlement process with reference to Figure 5,
When a customer purchases a product at a supermarket, he/she presents a cash card 13 to an attendant at a checkout counter, and the attendant manually inserts the cash card 13 into a card reader 8 of an operating device 2 for the attendant to read the card data. The card data is then stored in the memory 15.

The customer inputs a password using the ten-key pad 3 of the customer input device 1, this password is displayed on the display section 5, and if it is OK, the input is completed by pressing the confirmation button 4.

The MCPU 14 compares the password data in the card data with the password data input by the customer to compare the correspondence between the customer and the card 13.

If the correspondence between the two parties is not recognized, a message to that effect is displayed on the display section of the operating device 2, and the payment is not possible and the card 13 is returned to the customer or the customer is instructed to try again.

If both parties agree, payment is possible, and the staff member enters the product number and amount purchased by the customer on numeric keypad 11 and function key 1.
Enter by 2. The amount data and the total amount data of the product are stored in the memory 15, and when the amount of the product is input, the display section 7 displays the amount and also displays the total amount.

The staff member confirms the total amount displayed,
By pressing the function key 12 indicating OK, the MCPU 14 creates the following input message.

Input message (customer data) Transfer source bank number, branch number, account number, transaction (balance inquiry) The MCPU 14 transmits the above-mentioned input message to the customer's bank to inquire about the balance. i.e.
MCPU14 receives the above-mentioned input message (customer data)
Memory 15 with data of customer's bank number inside
The telephone number is read by accessing the conversion table of the telephone number, and the transmission control circuit 17 automatically dials the telephone number to call the customer's bank.

The customer's bank accesses the center file based on the customer's account number, checks the deposit balance, creates the following output message for balance inquiry, and transmits it to the terminal device.

Output message (customer's withdrawal availability data) Transfer source bank number, branch number, account number, transaction (balance inquiry), current balance The terminal staff operating device 2 displays the output message on the display 7, and the MCPU 14 It is determined whether or not the current balance in the output message is smaller than the purchase amount to determine whether payment is possible.

If payment is not possible, the card 13 is returned to the customer since payment is not possible.

If payment is possible, the MCPU 14 specifies the transfer destination. That is, the bank of the supermarket stored in the memory 15 is specified.

Next, the terminal device creates the following input message to request the supermarket's bank for transfer processing, and transmits it to the supermarket's bank.

Input message (request data for transfer processing) Source bank number, branch number, transaction (withdrawal) Amount (payment amount) Source bank number, branch number, transaction (deposit) Amount (amount paid) Supermarket transaction The bank performs the deposit processing based on the above-mentioned input message, and further operates the switching CPU 24 based on the data of the bank number of the transfer source, calls the customer's bank, and sends the transfer destination out of the above-mentioned input message. Transfer gold data.

The customer's bank accesses the center file based on the customer's account number, checks and updates the deposit balance, creates the following output message indicating whether the withdrawal is possible, and transmits it to the supermarket's bank.

Output message (customer's withdrawal data) Source bank number, branch number, account number, transaction (withdrawal), amount (payment amount), new balance Note that withdrawals are not possible if the new balance is a negative value. In this case, it indicates that the transfer process has not been completed.

When the supermarket's bank receives the above-mentioned withdrawal message, it creates the following output message indicating the completion of the transfer process and transmits it to the terminal device.

Output message (transfer processing completion data) Transfer source bank number, branch number, account number, transaction (withdrawal), amount (payment amount), new balance Transfer destination bank number, branch number, account number, transaction (deposit), amount (Amount paid), new balance When the terminal device receives the above output message, the terminal device takes into account the case where another amount is debited from the customer's account between the time of the above balance inquiry and the above transfer processing. Determine whether payment is possible.

This determination indicates that the transfer process is unsuccessful and payment is not possible when the customer's new balance is a negative value, and the card 13 is returned.

When payment is possible, the receipt issuing machine 9 prints the following transaction data on the receipt based on the above-mentioned output message.

Processing date, terminal machine number, transfer source bank number, branch number, account number, amount, new balance Furthermore, the journal printer 10 adds the following data to the above transaction data and prints it on journal paper.

Transfer destination bank number, branch number, account number, amount, new balance When these processes are completed, a receipt is released, and the payment process is completed by returning this receipt and cash card 13 to the customer. .

Although the above-mentioned embodiment shows an example in which the transfer process is performed immediately after checking the balance, an example in which the transfer process is performed in batch processing will be described next.

FIG. 6 shows a transaction settlement processing device which is a terminal device, and devices having the same functions as those of the first embodiment described above are designated by the same reference numerals and their explanations will be omitted. The staff operation device 2 of this terminal device is equipped with a cassette tape device 26 and a transmission instruction switch 27. The cassette tape device 26 records deposit data from customers, and the switch 27 controls transmission when processing online batches. instruct.

The structure of the supermarket bank is the same as that of the first embodiment (FIG. 4).

To explain the transaction settlement process with reference to Figure 7,
The operations of reading card data, keying in the PIN number, keying in the amount of the purchased product, and confirming it, as well as inquiring the balance from the terminal to the customer's bank and answering it, and determining whether payment is possible are carried out in the first implementation described above. Since it is the same as the example, its explanation will be omitted.

If payment is not possible with the customer's current balance, the card 13 is returned to the customer since payment is not possible.

However, when it is determined that payment is possible, the receipt issuing machine 9 issues a receipt, and the journal printer 10 prints transaction data on journal paper.

The receipt and card 13 are then returned to the customer.

The following transaction data will be printed on the receipt.

Processing date, terminal machine number, transfer source bank number, account number, amount, current balance.Furthermore, the following deposit file is created and recorded in the cassette tape device 26 of the terminal device.

Deposit file Source bank number, branch number, account number, transaction (withdrawal), amount (payment amount) Once such a file is created and recorded on tape, the provisional payment between the customer and the supermarket is completed. .

Next, let's talk about the transfer process (beginning of batch processing) between the supermarket and the customer's bank.
By pressing the transmission instruction switch 27 at any time when a transfer transaction with the bank is possible, the terminal device can request the supermarket's bank for transfer processing.

That is, when the above-mentioned switch 27 is pressed, the deposit file recorded in the cassette tape device 26 is read out one transaction at a time and transfer processing is performed.

The MCPU 14 creates the input message (request data for transfer processing) described in the first embodiment using the data of the above-mentioned deposit file and the supermarket's transaction bank data stored in the memory 15, and further processes the supermarket's transaction. Based on the bank number data, the conversion table in the memory 15 is accessed to read the corresponding telephone number, the transmission control circuit 17 performs automatic dialing to call the supermarket's bank, and transmits the input message mentioned above.

The supermarket's bank processes the deposit based on the input message mentioned above, and also performs switching based on the bank number data of the transfer source (customer's bank).
The CPU 24 is operated to call the customer's bank and transfer the withdrawal data of the transfer source from the aforementioned deposit message.

The customer's bank accesses the center file based on the customer's account number, checks and updates the deposit balance, creates an output message of the customer's withdrawal data, and transmits it to the supermarket's bank.

When the supermarket's bank receives the above-mentioned output message, it creates an output message indicating the completion of the transfer process described in the first embodiment and transmits it to the terminal device.

The terminal device then performs a journal print using the journal printer 10, and completes the payment process.

In the above-described embodiment, the transfer request is made by operating the transmission instruction switch 27, but it may be made automatically at a predetermined time using a timer or the like, or it may be made in response to an instruction from the super-accounting bank. Also, a floppy disk may be used in place of the cassette tape device 26. Furthermore, batch processing may be performed off-line. Furthermore, the telephone lines for the terminal, the supermarket's bank, and the customer's bank may be either specific or public.
Also, although the explanation is aimed at banks, other financial institutions may also be used.

[Brief explanation of the drawing]

The drawings show an embodiment of the invention, and FIG. 1 is a perspective view of a terminal device. FIG. 2 is a control circuit block diagram of the terminal device. FIG. 3 is an explanatory diagram of the storage area of the memory. Figure 4 is a control circuit block diagram of a super transaction bank. Figure 5 is the flowchart. FIG. 6 is a control circuit block diagram of a terminal device according to a second embodiment. 7th
The figure is a flowchart. 2... Attendant operating device, 14... MCPU, 1
5...Memory, 17...Transmission control circuit, 20...
CPU, 21...Communication control device, 24...Switching CPU, 25...Network control device, 26...Cassette tape device, 27...Transmission instruction switch.

Claims (1)

[Scope of Claims] 1. The transaction settlement processing device is connected to the customer's transaction financial institution device and the store's transaction financial institution device through a communication line, and the transaction settlement processing device is connected to the customer's transaction financial institution device and the store's transaction financial institution device, and the transaction settlement processing device is connected to the customer's transaction financial institution device from the customer's card. A card reader that reads account data, an input device that inputs the transaction amount of the customer's purchased products, and the account data of the store's financial institution and the customer's financial institution account read by the card reader. A transaction settlement processing device comprising a memory for storing data and a transaction amount of a purchased product inputted by the input device, and a control means for driving and controlling these, wherein the control means is used at the time of transaction settlement. Based on the account data of the customer's financial institution, the transaction settlement processing device executes a balance inquiry with the customer's financial institution, determines whether or not the transaction is possible based on the deposit balance, and calculates the transaction amount of the customer. When it is determined that the payment is not possible, the payment processing is canceled, and when it is determined that the payment is possible, the transaction settlement processing device transfers the transfer to the merchant's financial institution based on the account data of the merchant's financial institution. A transaction settlement processing device having a processing function of requesting transfer processing by transmitting transfer processing request data consisting of a financial institution account name, a transfer destination financial institution account name, and the transaction amount.