JPH06176249A - Credit processor - Google Patents

Abstract

PURPOSE:To extend the operation of credit even to company, which is not recorded in a card, by previously setting pattern information and the dummy code information of a company code corresponding to credit card information. CONSTITUTION:A credit processor 1 sets the pattern information and the dummy code information of the company code to an HDD 13 and stores an inquiry destination code and a dummy code in a RAM 12. In the case of credit processing, first of all, a message to inquire the validity of a credit card 5 is prepared and transmitted through a communication line 2 to a credit communication exchange controller 3. At this controller 3, this message is transmitted to a computer 4a or 4b of a designated card issue company A or B. On the other hand, a response message is returned to a processor 1. Then, a CPU 10 receives the response message and when the validity of the card 5 is confirmed, credit payment is processed based on card information. Afterwards, a message showing the processing result is transmitted to the computer 4a or 4b of the other company.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit processing device used in a store which can make payment by credit card.

[0002]

2. Description of the Related Art Conventionally, in a store that can be settled by credit, when a customer pays for a product purchased by a customer using a credit card, the clerk first has to use the card information of the credit card possessed by the customer. Is read by a card reader provided in the credit processing device. Then, the credit card processing device transmits a message inquiring online about the validity of the credit card to the computer of the credit card issuing company corresponding to the company code in the card information.

When a valid response message is returned online, the credit card processing device processes the payment by credit based on the card information of the credit card, and the processing result is the credit card issuing company. Since the computer is notified online and the credit slip is printed and issued from the printer, the clerk has handed the credit slip together with the credit card to the customer and has finished this work.

[0004]

As described above, conventionally, the inquiries to the validity of the credit card and the notice to the settlement processing result are limited to the credit card issuing company of the company code recorded in the credit card.

Therefore, the validity of the credit card to a credit card issuing company different from the company code recorded on the credit card due to the tie-up relationship between the credit card issuing companies and the contract conditions between the store and the credit card issuing company. Although it is conceivable to make an inquiry about the above or to notify the credit processing result, the conventional credit processing device cannot cope with the above operation.

[0006] Therefore, the present invention makes an inquiry about the validity of the credit card and notifying the credit processing result not only to the credit card issuing company of the company code recorded on the credit card but also to another credit card issuing company. The present invention is intended to provide a credit processing device capable of expanding the operation of credit.

[0007]

According to the present invention, a computer of a credit card issuing company connected through communication means is inquired about the validity of a credit card read by a card reader, and when the validity is answered, the credit is issued. In the credit processing device that processes the payment by credit using the card information of the card and notifies the computer of the credit card issuing company of the processing result, set the pattern information and the dummy code information of the company code corresponding to the card information of the credit card. Information storing means for storing, information extracting means for extracting the corresponding pattern information and dummy code information stored by the information storing means each time the card information of the credit card is read by the card reader, and the pattern extracted by the extracting means Credit card depending on the information Determines whether the effectiveness inquiries and processing result notification destinations are the credit card issuing companies of the company code recorded on the credit card or the credit card issuing companies corresponding to the dummy code information extracted by the information extracting means. The company determining means, the inquiry controlling means for transmitting a message inquiring about the validity of the credit card to the computer of the credit card issuing company determined to be the validity inquiry destination by the company determining means through the communication means, and the company determining means. The result notification control means for transmitting a message indicating the settlement processing result by credit to the computer of the credit card issuing company determined to be the processing result notification destination through the communication means.

[0008]

According to the present invention having such a structure, the pattern information and the dummy code information of the company code are preset and stored by the information storage means in correspondence with the card information of the credit card.

When a credit card settlement business is performed using a credit card and the card information of the credit card is read by a card reader, pattern information and dummy code information corresponding to the card information are stored in the information storage means. The credit card issuer and the dummy code information of the company code recorded on the credit card correspond to the inquiries to the validity of the credit card and the processing result notification destination, respectively, based on the extracted pattern information. Credit card issuer.

First, a message inquiring about the validity of the credit card is transmitted through the communication means to the computer of the credit card issuing company determined as the validity inquiry destination. In response to this, when the response message with validity is returned, the credit settlement is processed based on the card information of the credit card. After that, a message indicating the processing result is transmitted to the computer of the credit card issuing company determined as the processing result notification destination through the communication means.

[0011]

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

FIG. 1 is a block diagram showing the configuration of the essential parts of an embodiment, wherein a credit processing device 1 according to the present invention is connected to a credit communication exchange control device 3 via a communication line 2. The credit communication exchange control device 3 is a line between the computers 4a and 4b of two credit card issuing companies (hereinafter, one is company A and the other is company B) and the credit processing device 1 installed in each store. It controls the connection.

The credit processing apparatus 1 has a CPU (central processing unit) 10 as a control unit main body, a ROM (Read Only Memory) 11 in which a control program for the CPU 10 and the like are stored in advance, and the CPU.
A RAM (random access memory) 12 in which writing and reading of data are arbitrarily performed by control of 10, an HDD (hard disk device) 13 as an external storage medium,
A card reader 14 for reading card information magnetically recorded on the credit card 5, a keyboard 15 for inputting credit information such as credit payment amount and payment method, a personal identification number of the credit card, etc. Is provided with a display 16 for displaying message information and the like, a printer 17 for printing and issuing a credit slip, a communication interface 18 for controlling data transmission / reception performed through the communication line 2, and the like, and the CPU 10 and each unit. And are electrically connected to each other by a bus line 19.

Here, the communication interface 18 and the communication line 2 constitute a communication means.

By the way, card information is recorded in the format shown in FIG. 2 on the magnetic stripe portions of the credit cards 5 issued by the companies A and B, respectively.
That is, the card information consists of 72 bytes, the first byte is the STX character, the second byte is the ID code, and the 3rd byte.
The 1st byte is the business type code, the 4th to 7th bytes are the PIN code number, the 8th to 11th bytes are the company code of the credit card issuing company, the 12th to 27th bytes are the membership number, 41 Expiration date information is from the byte to the 44th byte, the validity flag is from the 70th byte, the ETX character is from the 71st byte, the LRC character is from the 72nd byte, and the others are arbitrary areas.

The credit processing device 1 also stores the credit processing file 30 as the information storage means in the HDD 13.
Is formed. This credit processing file 30 is
As shown in FIG. 3, the pattern information and the dummy code information of the company code are set in the areas 32 and 33, respectively, corresponding to the card information of the first byte to the 69th byte of the credit card 5 set in the area 31. It was done.

The pattern information is credit card 5
Information assigned to four patterns indicating which credit card issuer, Company A or Company B, is to be used as the validity inquiry destination and the processing result notification destination, respectively. The pattern information “1” is the validity inquiry destination. Also, the pattern in which the processing result notification destination is the credit card issuing company of the company code recorded in the credit card 5, and the pattern information “2” is the validity inquiry destination issuance of the credit card of the company code recorded in the credit card 5. The company and the processing result notification destination is the credit card issuing company corresponding to the dummy code information, and the pattern information “3” is the validity inquiry destination is the credit card issuing company corresponding to the dummy code information and the processing result notification destination is Pattern of credit card issuing company of company code recorded in credit card 5 Pattern information "4" are allocated respectively for the pattern to the credit card issuer that corresponds to both the dummy code information validity contact and the process result notification destination.

For convenience of explanation, the company code of company A is "9999" and the company code of company B is "8888".

Therefore, the CPU 10 is program-controlled so as to execute the processing shown in the flowchart of FIG.

First, when it is detected in step P1 that the card information of the credit card 5 is read by the card reader 14, the credit processing file 30 is read in P2.
Is checked to determine whether or not information in which the first byte to the 69th byte of the card information match is set in the card information area 31.

When it is confirmed in P3 that the same information does not exist, it is determined that the credit card 5 cannot be used, the credit card 5 is ejected from the card reader 5, and an error message is displayed on the display 16. Perform error processing such as to allow.

On the other hand, if the presence of the same information is confirmed in P3, the area 3 corresponding to the same information is confirmed in P4.
2, 33 pattern information and dummy code information are extracted (information extracting means).

Next, the pattern information is examined at P5 to P7. When the pattern information is "1" (YES in P5), the company code in the card information of the credit card 5 is stored in the RAM 12 as inquiry destination code information and notification destination code information.

When the pattern information is "2" (NO in P5, YES in P6), the company code in the card information is stored in the RAM 12 as inquiry destination code information,
The dummy code information extracted from the credit processing file 30 is stored as the notification destination code information.

When the pattern information is "3" (NO in P5, P6, YES in P7), dummy code information is stored in the RAM 12 as inquiry destination code information and a company code is stored as notification destination code information. To do.

Further, when the pattern information is "4" (NO in P5, P6 and P7), dummy code information is stored in the RAM 12 as inquiry destination code information and notification destination code information (company determining means).

Thereafter, the credit processing concretely shown in FIG. 5 is executed at P8. That is, first, a message inquiring about the validity of the credit card 5 is created. At this time, the transmission destination of the message is the company code (or dummy code information) of the inquiry destination code information stored in the RAM 12. Then, the communication interface 18 is controlled to transmit the inquiry message to the credit communication exchange control device 3 through the communication line 2.

In the credit communication exchange control device 3, the message is transmitted to the computer 4a or 4b of the credit card issuing company corresponding to the company code designated as the destination of the received message. Further, a response message from the corresponding computer is returned to the credit processing device 1.

Then, the CPU 10 receives the response message,
When it is confirmed that the response indicates that the credit card 5 is valid, the credit settlement is processed based on the card information of the credit card 5 and the credit information key-input from the keyboard 15.

Then, a message for notifying the credit card issuing company of the credit processing result is created. At this time, the transmission destination of the message is the company code (or dummy code information) of the notification destination code information stored in the RAM 12. Then, the communication interface 18 is controlled to transmit the notification message to the computer 4a or 4b of the credit card issuing company corresponding to the destination company code via the communication line 2 and the credit communication exchange control device 3.

The computers 4a and 4b of the credit card issuing company use the received notification message data in the HDD.
I try to store it on a magnetic tape. The credit card issuing company makes payments to the store and bills to the members (including withdrawal from the account) based on the stored data of the credit processing result.

Next, the operation and effect of this embodiment will be described based on a concrete example.

(Specific Example 1) The validity of the credit card of company B can be determined by the host computer 4a of company A depending on the business tie-up between company A and company B and the contract conditions between the store and each company. When the credit processing result is managed by the computers 4a and 4b of each company, the validity inquiry of the credit card is made to the computer 4a of the company A, and the credit processing result is obtained by the credit card 5 respectively.
Will be notified to the computers 4a and 4b of the company that issued the.

Therefore, in the credit processing file 30, the pattern information "1" and the dummy code information "0000 (arbitrary)" are set in correspondence with the card information (company code = 9999) of the credit card of company A, and B is set. Corresponding to the credit card information (company code = 8888) of the company, pattern information "3" and dummy code information "99"
99 ”is set.

In this state, when a customer who carries the credit card 5 of A company performs a credit settlement business, the validity of the credit card 5 is inquired by the computer 4a of A company.
A and credit notification of the credit processing result
This is done for the company computer 4a.

On the other hand, when a credit settlement operation of a customer who owns the credit card 5 of the company B occurs, the validity of the credit card 5 is inquired by the computer 4a of the company A.
The credit processing result is notified to the computer 4b of company B.

(Specific Example 2) Whether or not the credit card is valid is determined by the computers 4a and 4b of each company according to the business tie-up between Company A and Company B and the contract conditions between the store and each company.
However, when the credit processing result is managed by the computers 4a and 4b of company A, the credit card 5
Are inquired to the computers 4a and 4b of the company that issued the credit card 5, and the credit processing result is notified to the computer 4a of company A.

Therefore, the pattern information "1" and the dummy code information "0000" are set in the credit processing file 30 in correspondence with the card information (company code = 9999) of the credit card of the company A, and the credit of the company B is credited. Pattern information “2” and dummy code information “9999” are set in correspondence with the card information (company code = 8888) of the card.

In this state, when the credit settlement operation of the customer who owns the credit card 5 of the company A occurs, it is the same as the case of the specific example 1.

On the other hand, when a credit settlement operation of a customer who owns the credit card 5 of company B occurs, the validity of the credit card 5 is inquired by the computer 4b of company B.
The credit processing result is notified to the computer 4a of the company A.

(Specific Example 3) Depending on the business tie-up between Company A and Company B, the contract conditions between the store and each company, etc., the determination of the validity of the credit card and the management of the credit processing result are both
In the case of the computers 4a and 4b of the company A, the computer 4a of the company A performs both the inquiry about the validity of the credit card 5 and the notification of the credit processing result.

Therefore, the pattern information "1" and the dummy code information "0000" are set in the credit processing file 30 in correspondence with the card information (company code = 9999) of the credit card of company A, and the credit of company B is credited. Pattern information “4” and dummy code information “9999” are set corresponding to the card information (company code = 8888) of the card.

In this state, when the credit settlement operation of the customer who owns the credit card 5 of the company A occurs, it is the same as the cases of the specific examples 1 and 2.

On the other hand, when a credit settlement operation of a customer who owns the credit card 5 of company B occurs, an inquiry about the validity of the credit card 5 is made to the computer 4a of company A.
A and credit notification of the credit processing result
This is done for the company computer 4a.

As described above, according to this embodiment, the validity inquiry destination of the credit card 5 and the credit processing result notification destination are set in the card information depending on how the pattern information and the dummy code information are set in the credit processing file 30. A credit card issuing company corresponding to the company code or a credit card issuing company corresponding to the dummy code information can be arbitrarily selected.

Therefore, the credit operation can be greatly expanded and the serviceability of the customer can be improved, so that the credit card issuing company can expect an increase in the number of contract members and the store can expect an increase in sales. .

Although the credit card issuing companies are described as two companies in the above embodiment, it is needless to say that the same effect can be obtained by the present invention even when there are three or more credit card issuing companies. is there.

Credit information input and credit processing are carried out at a POS (point-of-sale information management) terminal, and centralized management of the POS terminal for the processing of determining the credit card 5 validity inquiry destination and the credit processing result notification destination. It may be performed by the store processor.

In addition, various modifications can be made without departing from the scope of the present invention.

[0050]

As described above in detail, according to the present invention, the validity of the credit card is inquired not only to the credit card issuing company of the company code recorded on the credit card but also to another credit card issuing company. Further, it is possible to provide a credit processing device capable of notifying the credit processing result and expanding credit operation.

[Brief description of drawings]

FIG. 1 is a block diagram showing a main configuration of an embodiment of the present invention.

FIG. 2 is a diagram showing a data format of a credit card used in the embodiment.

FIG. 3 is a diagram showing a format of a credit processing file used in the embodiment.

FIG. 4 is a flowchart showing main processing of the CPU in the embodiment.

5 is a flowchart specifically showing the credit processing shown in FIG.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Credit processing device, 2 ... Communication line (communication means), 3 ... Credit communication exchange control device, 4a, 4b ... Computer, 5 ... Credit card, 14 ... Card reader, 18 ... Communication interface (communication means), 30 ... Credit processing file (information storage means).

Claims (1)

[Claims] 1. A computer of a credit card issuing company connected via a communication means is inquired about the validity of a credit card read by a card reader, and when the validity is answered, the credit card information of the credit card is used. In a credit processing device that processes payment and notifies the computer of the credit card issuing company of the processing result, information storage that sets and stores pattern information and dummy code information of the company code corresponding to the card information of the credit card. Means, information extracting means for extracting corresponding pattern information and dummy code information stored by the information storing means every time the card information of the credit card is read by the card reader, and pattern information extracted by the extracting means By said credit Whether the card validity inquiries and processing result notification destinations are the credit card issuing companies of the company code recorded on the credit card or the credit card issuing companies corresponding to the dummy code information extracted by the information extracting means. And a query control means for transmitting a message for inquiring about the validity of the credit card through the communication means to the computer of the credit card issuing company which is determined to be the validity inquiry destination by the company determination means. A result notification control means for transmitting a message indicating a credit settlement processing result to the computer of the credit card issuing company determined to be the processing result notification destination by the company determination means through the communication means. Credit processing equipment.