JPH05205117A - Transaction card - Google Patents

Abstract

PURPOSE:To improve the frequency of using the transaction card by providing multiple data recording areas recording enterprise codes different from each other. CONSTITUTION:Domestic enterprise codes as well as data are recorded on a magnetic stripe 2 formed at the right side of a card 1. International enterprise codes as well as data are recorded on a magnetic stripe 3. A four-character enterprise code 12 is used to identify the company issuing the card, comprising a domestic enterprise code. An enterprise code 21 is also used to identify a card issuing company, comprising an international enterprise code. Thus, different enterprise codes are recorded on the transaction card and it is made possible to deal with card issuing companies with the single transaction card, resulting in increasing the using frequency of transaction cards.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction card such as a credit card or a cash card in which data used in a margin transaction with a margin transaction processing device is recorded.

[0002]

2. Description of the Related Art With the widespread use of credit cards, cash cards and the like, a credit transaction processing device can execute a plurality of processing contents via these transaction cards. For example, some bank cards allow deposit processing and loan processing to be performed by the same transaction card. Such a transaction card generally has two data recording units on the same surface, and records data for deposit processing and data for loan processing together with a company code in each. In this case, the company codes recorded in the two data recording units are the same.

[0003]

However, heretofore, there has been no one transaction card in which a plurality of mutually different company codes are individually readable and recorded.

Therefore, the transaction processing can be executed only with a single card issuing company in which the company code is recorded in the transaction card presented by the customer, and the company code recorded in the transaction card. However, if the credit card is issued by a card issuer that cannot process transactions in the credit transaction processing device, its use is immediately rejected, and there is a problem that the frequency of use of the transaction card in transaction processing cannot be improved.

An object of the present invention is to provide a plurality of data recording surfaces each recording a different company code so that the company code recorded on one of the data recording surfaces is incompatible in the credit transaction processing apparatus. Even if the company code recorded on the other data recording surface matches, the transaction processing can be executed, and the transaction card can be used more frequently in the transaction processing. ..

[0006]

A transaction card according to the present invention is a transaction card used for credit transaction processing, characterized in that it is provided with a plurality of data recording surfaces for recording a plurality of mutually different company codes. To do.

[0007]

According to the present invention, different company codes are recorded on each of the plurality of data recording surfaces. Therefore, a plurality of company codes different from each other are recorded on a single transaction card, a single transaction card can be used for a plurality of card issuing companies, and the opportunity of using the transaction card in transaction processing increases.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a view showing the front and back surfaces of a transaction card which is an embodiment of the present invention.

As shown in FIG. 1A, a magnetic stripe 2 is formed on the surface of the card 1, and an emboss forming portion 4 is provided below the magnetic stripe 2. A magnetic stripe 3 is formed on the back surface of the card 1 as shown in FIG. These magnetic stripes 2 and 3 are the data recording surface of the present invention. On the magnetic stripe 2 formed on the surface of the card 1, a company code for domestic use is recorded together with data described later (see FIG. 2A). In addition, on the magnetic stripe 3 formed on the back surface of the card 1, the international company code has data (to be described later) (see FIG. 2).
(See (B)).

2A and 2B show examples of the format of the front surface recording data and the back surface recording data of the card shown in FIG. 1, respectively. In FIG. 1A, a start code 10, an end code 13, and a check character 14 of one character are used for a data transmission sequence between centers, and a personal identification number 11 of four characters is used when a personal identification number is entered as a transaction condition. Used. Similarly, the 4-character company code 12 is used to identify the issuing company of the card, and constitutes a company code used domestically in this embodiment. Further, in the same figure (B), start code 20, end code 23 and check character 24 of one character
Is used for the data transmission sequence between the centers as described above, and the company code 21 is used to identify the card issuing company like the company code 12, but in the present embodiment, the international company code is used. Are configured. The member number 22 is the member number of the owner of the card.

FIG. 3 is a block diagram of a control unit of a credit transaction processing apparatus to which the transaction card is applied, and FIG. 4 is a diagram showing a key arrangement of a keyboard 4 of the control unit. In FIG.
The CPU 1 has a keyboard 4 to be described later, a card reader 5 for reading transaction data including a company code recorded on a magnetic stripe of a credit card, a PIN pad 6 used for remotely inputting a personal identification number, and necessary for transaction processing. A display device 2 for displaying messages, transaction amount, etc., a printer 3 for issuing a voucher in which the transaction contents are printed in a journal after the transaction is completed are respectively connected as I / O devices, and a ROM for storing programs and a company code for each card issuing company Connected to are a memory 7 including a RAM forming a card issuing company data storage means for storing transaction conditions, a transmission unit 8 for performing data transmission with a center (not shown), and a timekeeping mechanism 9 for managing time. There is.

The keyboard 4 is, as shown in FIG. 4, a set key 2a which is operated when setting numerical data.
End / execute key 2b operated when inputting the transaction amount etc., batch transmission key 2c operated on batch transmission of transaction data temporarily stored in the transaction data temporary storage means, numeric keypad 2d, and payment category are designated It is composed of a payment category key 2e and a business key 2f for designating business content.

The card reader 5 is provided with two reading heads so that the data recorded on both the magnetic stripes 2 and 3 of the card shown in FIG. It is placed at the position.

FIG. 5 is a block diagram of the main part of the RAM. In the figure, 70 is a company code table of a franchisor (chain-owned company), and 71 is a company code table of a franchisee (member company) or a Brothers company. The card issuing companies that enter each other often have a franchise structure or a brothers company structure. In this embodiment, the company code table 70 of the franchisor and the franchisee or brothers are arranged so as to correspond to the card issuing company group having such a structure. The company code table 71 of the company. The franchisor company code table 70 has card issuer data storage areas M1 to Mn. Each card company data storage area includes an area ID1 for storing an identification code, an entry company code area M1 for storing a company code used by a franchisor (card issuing company) to which the area M1 is assigned, and a center of the center. The area N2 stores transaction conditions such as telephone numbers and interest rates. Further, the company code table 71 of the franchisee / brothers company has the area ID 2 storing the identification code, the franchisee (FC) or the brothers company (B).
FC / BC entry company code storage area N in which the company code used by C) at its member store is stored
It consists of N. The identification code stored in the area ID 2 of the company code table 71 is used to correspond to the card issuing company data stored in the company code table 70. For example, the table 71 in which an identification code equal to the identification code stored in the area ID1 in the area M1 is stored in the area ID2 depends on the card issuing company data in the area M1. That is,
Franchisees or Brothers Company with the same identification code are the franchisor's trading conditions (Area N2
Remembered in. ). By combining the franchisor and the franchisee or the brothers company by the identification code in this manner, the information about the franchisee or the brothers company is required only by the company code, and the storage area for storing the transaction conditions can be saved.

Next, the operation of the credit transaction processing device will be described with reference to FIG. The figure is a flow chart showing the operation of reading the data recorded on the magnetic stripe of the received card and transmitting the card data to the center.

First, step n1 (hereinafter, step ni
Is simply called ni. ), All the data recorded on the card 1, that is, the data recorded on the magnetic stripes 2 and 3 are read by the card reader 5. The read data is temporarily stored in the buffer of the memory 7. Subsequently, it is checked whether the surface data of the read data, that is, the data recorded on the magnetic stripe 2 has been normally read (n2), and if so, the process proceeds to n3. At n3, the company code included in the data recorded on the surface, that is, the company code 12 of the data format shown in FIG. 2A is either the company code table 70 of the franchiser or the company code table 71 of FC / BC. It is determined whether it is stored (registered) in the table. If it is stored (registered), the recording data on the surface (recording data recorded on the magnetic stripe 2) is transmitted to the center of the card issuing company corresponding to the company code (n4).

On the other hand, if the recorded data on the front side cannot be read normally in n2 above, or if the company code included in the recorded data on the front side does not exist in the table at n3 above, the process proceeds to n5 and the recorded data on the back side, That is, it is determined whether the data recorded on the magnetic stripe 3 has been normally read. If the data on both the front and back sides cannot be read normally in n2 and n5, the process returns to n1 and the card reader 5 is driven to read again. If the recorded data on the back side can be read normally, the process proceeds to n6, where the company code included in the recorded data on the back side is the same as in n3, that is, as shown in FIG.
It is determined whether the company code 21 of the data format shown in (B) is stored (registered) in the table 70 or the table 71. If it is not stored (registered), the process returns to n1. If stored (registered), the recorded data on the back side, that is, the data recorded on the magnetic stripe surface 3 is transmitted as it is to the center of the card issuing company corresponding to the company code (n7).

By the above operation, when a card having a magnetic stripe on the front surface and the back surface is inserted into the card reader, the data recorded on either of the magnetic stripes necessary for the transaction is sent to the center as card data. Can be sent.

[0019]

According to the present invention, since different company codes can be recorded on each of a plurality of data recording surfaces, the company code recorded on one of the data recording surfaces is used in the margin transaction processing device. Even if it is non-conforming, if the company code recorded on the other data recording surface is compatible with the credit transaction processing device, execute transaction processing with the card issuing company specified by the company code Therefore, there is an advantage that the frequency of use of the transaction card in transaction processing can be improved.

[Brief description of drawings]

FIG. 1 is a diagram showing front and back surfaces of a transaction card used in a credit transaction processing device of the present invention.

FIG. 2 is a diagram showing an example of a format of data recorded on the front surface and the back surface of the transaction card.

FIG. 3 is a block diagram of a control unit of a credit transaction processing device to which the transaction card is applied.

FIG. 4 is a diagram showing an arrangement of a keyboard of the credit transaction processing apparatus.

FIG. 5 is a main part configuration diagram of a memory of a control unit of the credit transaction processing apparatus.

FIG. 6 is a flowchart showing a main part of an operation of the credit transaction processing apparatus.

[Explanation of symbols]

1 card 2, 3 magnetic stripe surface (data recording surface) 70 franchisor company code table 71 franchisee or brothers company company code table M1 to Mn card issuer data storage area

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Claims (1)

[Claims] 1. A transaction card used for margin transaction processing, comprising a plurality of data recording surfaces for recording a plurality of mutually different company codes.