JPH0512322A - Card transaction terminal device - Google Patents

Abstract

PURPOSE:To automatically calculate an enterprise code which can not be read by providing a subordinate table which calculates a card company according to a membership number in the card transaction terminal device. CONSTITUTION:A table stored in a RAM 12 is downloaded from a down-loading(DLL) center 5. In this case, a main table is stored with card company names, enterprise codes, and telephone numbers of host devices corresponding to table numbers. The subordinate table is stored with card company decision data consisting of high-order 2-5 digits of the membership numbers of the credit cards, the table numbers for deciding which field of the main table is linked with, and the card company names correspondingly. Then when a membership number is inputted, the subordinate table is used to find the card company decision data matching the membership number most and the enterprise code and host telephone number are found according to the table number.

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 a credit card transaction online.

[0002]

2. Description of the Related Art In order to process a credit card transaction online, a store is provided with a card transaction terminal device such as a CAT terminal device. The device reads the data on the credit card (magnetic stripe data) and calls the host device for the card to authenticate the card. When the transaction is completed, the sales are recorded as those of the host device that accepted the inquiry. Data including a company code and a membership number is recorded on the magnetic stripe of the credit card. Based on the company code, the company that issued the card is determined and the host device is called.

By the way, a lot of credit cards called "affiliated cards" are currently issued. What is an affiliated card?
It is a card issued by a company other than the original credit company such as a department store, and is a card that can be used in credit of the issuing company at a contract store of the credit company in cooperation with a specific credit company. Since this transaction is based on the credit of the issuing company, the host computer of the company aggregates and the credit handling fee also belongs to the company.

[0004]

By the way, in a normal credit transaction, data is input by reading the magnetic stripe of a card, but when the data cannot be read, such as when the data on the magnetic stripe is damaged. ,
The clerk read the card emboss and manually entered it.
However, this method has a drawback in that a large amount of data is manually input and there is a risk of making an input error. further,
In the case of the affiliated card, the sales destination is not the credit company but the issuing company of the card. Needed the list, so the clerk had to figure out the company code from the list before manually entering it. In addition, if the company code cannot be found from the list, only the membership number is entered, but if only the membership number is entered, conventionally, all inquiries were made to the host device of the credit company that is the partner of the card. Had been contacted by phone. For this reason, a part of the credit transaction fee is distributed to the credit company, which results in a decrease in revenue at the partner card issuing company.

It is an object of the present invention to provide a card transaction terminal device which solves the above problems by providing a table for searching a company code and a telephone number of its host computer from a member number in the device. ..

[0006]

The present invention is directed to an input means for inputting a membership number of a credit card, a table for storing the membership number, a company code, and an inquiry telephone number of the company in association with each other, and an input means. When a member number is input from, the searching means for searching the corresponding company code and the inquiry telephone number of the company using the table, and calling the searched inquiry telephone number and inputting the member number And an inquiring means for inquiring about the members of.

[0007]

The card transaction terminal device of the present invention is provided with a table in which the membership number of the credit card, the company code of the card, the inquiry telephone number, etc. are stored in association with each other. When the magnetic stripe of the credit card is read normally, the company code included in the magnetic data can be used to identify the reference destination. However, if the magnetic data cannot be read, the membership can be entered manually. The number is entered. The table is searched by the entered membership number, and the company code and inquiry telephone number of the card are calculated. Use this to query the card.

[0008] With this, even if the credit card cannot read the company code, the credit card can be referred to the correct reference destination.

[0009]

1 is a diagram showing the overall configuration of a card transaction processing system in which a CAT terminal device according to an embodiment of the present invention is used. The CAT terminal device 1 installed in each store is connected to the communication line network 3. A host device 4 of each card company and a host device 5 of a DLL (downline loading) center are connected to the communication network 3. The CAT terminal device 1 receives from the DLL center a table recording the telephone number of each host device 4.
When the customer's credit card is read, the table is searched by the read data to determine the telephone number, and the card is authenticated to the host device of the corresponding card company. Revenue from this transaction is posted to the accessed host device.

FIG. 2 is an external view of the CAT terminal device, and FIG.
FIG. 3 is a block diagram of a control unit of the CAT terminal device. A display unit 13, a keyboard 14, and a card reader 15 which is a hand scanner are provided on the operation panel surface. A pin pad (PIN-PAD) 18 is connected to the main body of the device by a connector cable. A numeric keypad and a liquid crystal display are provided on the pin pad. The ten-key pad is used by the customer to input the personal identification number, and the display shows the input personal identification number. The display device 13, keyboard 14, card reader 15 and pin pad 18 are connected to the CPU 10 via a bus. The CPU 10 controls the operation of these devices.
Further, a ROM 11, a RAM 12 and a modem 17 are connected to the CPU 10. The ROM 11 stores a program as shown in the flowchart of FIG.
12 stores table data and the like. This RAM
12 is backed up by a battery. The modem 17 is connected to the communication network 3.

FIG. 4 is a diagram showing the structure of a credit card used in the CAT terminal device. A magnetic stripe 20 is formed on the surface of the credit card 2. The magnetic stripe 20 has a company code 23 and a member number 2
In addition to 4, magnetic data including a personal identification number and expiration date is written.

FIG. 5 is a diagram showing a table stored in the RAM 12. This table is downline loaded from the DLL center 5. Same figure (A)
Is the main table. FIG. 3B is a sub table. The table number (01-0
6) Each card company name, company code, and telephone number of the host device are stored in association with each other. In the sub-table, the card company determination data consisting of the upper 2 to 5 digits of the membership number of the credit card, the table number for determining which column of the main table to link and the card company name correspond to each other. Remembered When the member number is input, the card company determination data that best matches the member number is calculated using the sub-table, and the company code and host telephone number are calculated from the table number corresponding to that column.

FIG. 6 is a flowchart showing the operation of the card transaction terminal device. This operation shows the operation when the magnetic stripe of the credit card cannot be read and the membership number is manually input. First, the membership number is manually entered from the ten-key pad 14 (n
1). The sub-table is searched with this membership number to find the company that issued the card (n2). If the card company corresponding to this membership number is registered in the sub table, the main table is searched by the table number to determine the company code of the parent company and the telephone number of the inquiry destination (host device) (n4). When there are a plurality of card company determination data that match the member number, the one with the largest number of matching digits is determined to be optimal. By this judgment, the correct card company name can be calculated even for the affiliated card. If the corresponding card company determination data is not registered at all, the fact is displayed on the display unit, and the manual input of the company code or the telephone number of the host is accepted (n5). A call is made using the telephone number of the inquiry destination determined in this way to authenticate this member and process the transaction (n6).

[0014]

As described above, according to the present invention, even when the magnetic data of the credit card cannot be read,
Since the company code can be automatically calculated by entering the member number, the number of entries is small, and since it is not necessary to look up the company code in the list, the processing time of the operator is short and incorrect entries are possible. There is an advantage that the property is low. Furthermore, in the case of a partner card, etc.,
Since you will not access different host devices,
The effect is that there will be no unnecessary fees for the company that issued the card.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of a card transaction processing system in which a CAT terminal device according to an embodiment of the present invention is used,

FIG. 2 is an external view of the CAT terminal device,

FIG. 3 is a block diagram of a control unit of the CAT terminal device;

FIG. 4 is a diagram showing a configuration of a credit card used in the CAT terminal device;

FIG. 5 is a diagram showing a table downloaded to the CAT terminal device;

FIG. 6 is a flowchart showing an operation of the CAT terminal device.

[Explanation of symbols]

1-CAT terminal device, 2-credit card, 23-company code storage area, 24-member number.

Claims (1)

[Claims] [Claim 1] Input means for inputting a credit card membership number, a table for storing the membership number, a company code and a telephone number for inquiry of the company in association with each other, and a member from the input means. When a number is input, a search means for searching the corresponding company code and the inquiry telephone number of the company using the table, and calling the searched inquiry telephone number to check the entered member number A card transaction terminal device comprising: an inquiry unit for inquiring about members.