JPH06215008A - Credit processing system - Google Patents

Abstract

PURPOSE:To check illegal members based on present company member numbers. CONSTITUTION:A controller 2 is provided with a present company negative file 24 for storing use disable member numbers among the member numbers managed by a present company and after it is discriminated by a present company negative check for retrieving the present company member numbers in the present company negative file 24 whether a card can be used or not, corresponding to the amount of a transaction, a card company negative file 25 or a host computer 4 of a credit company judges whether the card can be used or not based on the cooperated member number.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit processing system in which a card such as an IC card having a plurality of membership numbers is used.

[0002]

2. Description of the Related Art Department stores and the like implement a card membership system in which customer service is improved and information is provided to members and discounts when shopping are given priority over other customers. In addition, department stores and the like are affiliated with credit companies, and members are issued a membership card that also serves as a credit card, which is a copy of the data of the affiliated credit companies on an IC card or the like unique to the department store. Such cards include 2 department stores (own company) and partner credit companies (partners).
The type of membership number will be stored.

Conventionally, when performing credit processing with a card having two types of membership numbers as described above, whether the transaction amount is a certain amount (lower limit) or more in the controller connected to the card terminal via LAN. If it is less than the lower limit, the controller judges whether the card can be used based on the partner member number.If it is more than the lower limit, the controller does not judge whether the card can be used. I was sent the data and was authenticated.

[0004]

However, in the conventional credit processing system, although there are two types of membership numbers, the negative file is checked only based on the affiliated membership number. There is a problem that the communication cost is wasted when the card cannot be managed in the transaction above the lower limit and it is determined that the card cannot be used in the communication with the credit company.

An object of the present invention is to enable management of an illegal member by means of a company member number, and in a transaction above the lower limit, prior to communication with a credit company, whether or not a card based on the company member number can be used in a controller. It is to provide a credit processing system that can make a determination and reduce communication costs.

[0006]

The invention described in claim 1 is a card terminal in which a credit card storing membership numbers of the company and a partner is used, and a controller connected to the card terminal. In a credit processing system comprising a network connecting the controller to each credit company, the controller is provided with an in-house negative file in which an unusable membership number related to management of the in-house is stored, and the card terminal is provided with a controller. When you receive a card availability response from the controller and a means to check the company membership number in the company's negative file, the controller can check the availability of the card based on the partner membership number. Provided a partner member number check means for requesting execution. And it features.

The invention according to claim 2 is such that a card terminal in which a credit card storing the membership numbers of the company and a partner is used, a controller connected to the card terminal, and the controller for each credit company. In the credit processing system consisting of a network connected to the company, in the controller, the company's negative file storing the unusable member number related to the company's management and the company member number transmitted from the card terminal A dual check means for executing the card availability judgment based on the partner member number when the usage number judgment for searching the member number in the in-house negative file is appropriate.
Is provided.

[0008]

In the invention described in claim 1, the controller is provided with the company's negative file in which the unusable member number of the company is stored, and the card having the plural member numbers of the company and the partner is used. Then, the in-house member number checking means requests the controller from the card terminal to determine whether the card can be used based on the in-house member number. When the company membership number check means determines that the company membership number does not exist in the company negative file and the card can be used, and the controller sends a card availability response, the partner membership number checking means reissues the card. The terminal requests the controller to determine whether the card can be used based on the partner member number.

According to the second aspect of the invention, the controller is provided with a company negative file in which the unusable member number of the company is stored, and the company member number transmitted from the card terminal is searched in the company negative file. After it is determined that the card can be used in the use permission determination, the use permission determination of the card based on the partner member number is executed.

[0010]

1 is a diagram showing the configuration of a credit processing system according to an embodiment of the present invention. A plurality of card terminals 1 installed in each department store are connected to a controller 2 in the store via a LAN, and the controller 2 is connected to a host computer 4 of a plurality of card companies via a credit reference network 3. Has been done. The card terminal 1 transmits data such as data stored in a card to be used and transaction amount key-input to the controller 2, and also performs processing such as displaying and printing of the data transmitted from the controller 2. The controller 2 searches for illegal members based on the data transmitted from the card terminal 1, and if necessary, the host computer 4 of the card company via the credit inquiry network 3.
Perform sales processing such as communicating with.

FIG. 2 is a block diagram showing the configuration of the control unit in the card terminal. ROM 12 and RAM 13
A card reader / writer 14, a data communication unit 15, a keyboard 16, a display 17, and a printer 18 are connected to the CPU 11 provided with the. The CPU 11 centrally controls each input / output device according to a program previously written in the ROM 12, and the data input / output at this time is temporarily stored in a predetermined memory area of the RAM 13. The CPU 11 executes communication with the controller 2 via the data communication unit 15 in response to input from the card reader / writer 14 and the keyboard 16, and displays input data and communication results on the display 17 and printer 18.
Output at.

FIG. 3 is a block diagram showing the configuration of the control unit in the controller. The controller 2 is configured by connecting the lower processing unit 22, the upper communication unit 23, the in-house negative file 24 and the card company negative file 2 to the main processing unit 21. The main processing unit 21 centrally controls each input / output unit according to a program previously written in a memory (not shown), and the data input / output at this time is temporarily stored in a predetermined memory area of the memory of the main processing unit 21. It The main processing unit 21 executes communication with the card terminal 1 via the lower-level communication unit 22, and in the company negative file 24 and the card company negative file 25, the company member number and partner member number transmitted from the card terminal 1. Search for.

Further, the main processing section 21 is a higher communication section 23.
Communication with the host computer 4 of the credit company via the, and sales processing is performed by the data transmitted from the card terminal 1 and the host computer 4. Also,
The main processing unit 21 accumulates sales data less than a certain amount (lower limit) in a memory (not shown). This sales data is collectively transmitted to the host computer 4 at a predetermined timing. The in-house negative file 24 stores the unusable bad member numbers among the member numbers managed by the company in an updated manner. In the card company negative file 25, the unusable defective member number among the member numbers managed by the card company of the partner is updated and stored.

FIG. 4 and FIG. 5 are flow charts showing the processing procedure in the control unit of the card terminal and the controller constituting the credit processing system according to the embodiment of the invention described in claim 1. CPU1 of card terminal 1
No. 1 is waiting for the customer's card to be inserted into the card insertion slot (n1), and when a card storing a plurality of membership numbers is inserted during a card transaction, the in-house member stored in the card The card data including the number and the affiliated member number is read, and a company negative check request including the company member number is transmitted to the controller 2 (n2, n3). The card data is temporarily stored in the RAM 13 until the processing related to the card is completed.

The main processing unit 21 of the controller 2 waits for the in-house negative check request to be transmitted from the card terminal 1 (n21), and when the in-house negative check request is received, the in-house member number included in this request. The in-house negative file 24 is searched by (n22). The main processing unit 21
If the in-house negative file 24 does not have an in-house membership number, it is determined that the card can be used, and the card terminal 1 is OK.
Send a response (n23 → n24). If the company negative file 24 has the company member number, it is determined that the card cannot be used, and an NG response is transmitted to the card terminal 1 (n23 → n25).

The CPU 11 of the card terminal 1 waits for a response from the controller 2 (n4),
When the OK response is received, the transaction data such as the transaction amount is awaited (n5), and when the NG response is received, an error message is displayed and the card is released (n4 → n11 → n1).
0). When transaction data is input at n5, the CPU
11 transmits a partner number check request including a partner member number and transaction data to the controller 2 (n
6).

When the partner number check request is transmitted from the card terminal 1 (n26), the main processing unit 21 of the controller 2 determines whether the transaction amount is equal to or more than the lower limit (n27). If the transaction amount is less than the lower limit, the main processing unit 21 searches the card company negative file 25 with the partner member number (n28). The main processing unit 21 determines that the card can be used when there is no partner member number in the card company negative file 25, stores the sales data in the memory (n29 → n30), and then performs transaction processing on the card terminal 1. Send the end response of (n3
1). When the card company negative file 25 has a partner member number, it is determined that the card cannot be used, and an NG response is transmitted to the card terminal 1 (n29 → n2).
5).

If the transaction amount is equal to or more than the lower limit, the main processing unit 21 transmits sales data including the affiliated member number to the host computer 4 of the card company via the credit reference network 3 (n32), and the credit company. Wait for the authentication process in. When the result of this authentication processing is transmitted from the host computer 4 via the network 3, a sales report including the availability of transaction processing is transmitted to the card terminal 1 according to this result (n33 to n35).

The CPU 11 of the card terminal 1 waits for a response signal from the controller 2 (n
7) When the end response is received, the result is displayed and a receipt is issued to release the card (n8 to n1).
0), when an NG response is received, an error message is displayed and the card is released (n7 → n11 → n10).

In the above processing, n3 corresponds to the in-house member number checking means of the present invention, and n6 also corresponds to the affiliated member number checking means. By the above processing,
According to the request from the card terminal 1, it is possible to determine whether or not the transaction processing can be performed using both the in-house member number and the affiliated member number, and it is possible to reliably exclude the transaction processing using the unauthorized card.

FIG. 6 shows a card terminal which constitutes a credit processing system according to an embodiment of the invention described in claim 2.
It is a message flow diagram which shows the communication state of the data between a controller and a network. When the card storing a plurality of membership numbers is presented to the card terminal 1, both the in-house membership number and the affiliated membership number are read from this card,
Both the in-house member number and the affiliated member number and the transaction amount key-inputted are transmitted to the controller 2 as transaction data (s1). The controller 2 receives the transmission from the card terminal 1 and searches the own company negative number file 24 for the own company member number. If the transmitted own company member number exists in the own company negative file 24, negative check NG
Is sent to the card terminal 1 (s2).

When the transmitted company member number does not exist in the company negative file 24, the controller 2 determines whether or not the transaction amount is less than the lower limit. If it is less than the lower limit, the controller 2 searches the card company negative file 25 for the partner member number and sends the result to the card terminal 1 (s3).

When the transaction amount is equal to or higher than the lower limit, the controller 2 sends a sales request including the transaction amount and the affiliated member number to the host computer 4 of the affiliated card company via the network (s4). The card company executes the authentication process using the transmitted partner member number, and transmits the result as a sales report to the controller 2 via the network (s5). Controller 2
Transmits this sales report to the card terminal 1 (s6).

The card terminal 1 carries out processing in accordance with the contents of the negative check NG response or sales report transmitted from the controller 2. That is, when it is determined that the card is proper in the authentication process of the card company, the card terminal 1 displays the data included in the sales report on the display, issues a receipt with the transaction details printed, and returns the card. To do. On the other hand, when the response of the negative check NG is transmitted or when it is determined that the card is an improper card in the authentication process of the card company, the card terminal 1 displays on the display that the transaction by the card is impossible. indicate.

In the above processing, s3 to s6 correspond to the double check means of the present invention. According to this embodiment, as a result of the above processing, it is possible to execute the check based on the company member number and the check based on the affiliated member number only by the processing of the controller 2.

The contents of the in-house negative file 24 may be linked to the contents of the card company negative file 25. That is, the relationship between the in-house member number and the affiliated member number is stored, and the contents of the card company negative file 25 that is regularly updated are loaded into the in-house negative file 24. As a result, in the transaction below the lower limit, only the check by the in-house negative file 24 needs to be executed.

[0027]

According to the present invention, an illegal member can be checked based on his or her own member number, and even if the transaction amount is equal to or more than the lower limit, the card can be used before communicating with the host computer of the credit company. Since it is possible to determine whether or not the communication is possible, the communication cost with the credit company can be saved.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of a credit processing system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of a control unit in the card terminal.

FIG. 3 is a block diagram showing a configuration of a control unit in the controller.

FIG. 4 is a flowchart showing a processing procedure in a control unit of a card terminal which constitutes the credit processing system according to the embodiment of the invention described in claim 1.

FIG. 5 is a flowchart showing a processing procedure in a control unit of the controller.

FIG. 6 is a message flow diagram showing a procedure of data communication in a card terminal, a controller and a network which constitute a credit processing system according to an embodiment of the invention described in claim 2.

[Explanation of symbols]

 1-card terminal 2-controller 4-credit company host computer 27-own negative file

Claims (2)

[Claims] [Claim 1] A card terminal in which a credit card storing member numbers of the company and a partner is used.
In a credit processing system comprising a controller connected to the card terminal and a network connecting the controller to each credit company, a negative company company that stores an unusable membership number related to its own management in the controller. A file is provided, and the card terminal requests the controller to search for a company member number in the company's negative file, and when a card availability response is received from the controller, a partner is sent to the controller. A credit processing system, comprising: a partner member number checking means for requesting execution of card availability determination based on a member number. [Claim 2] A card terminal using a credit card that stores the membership numbers of the company and the partner, respectively,
In a credit processing system comprising a controller connected to the card terminal and a network connecting the controller to each credit company, a negative company company that stores an unusable membership number related to its own management in the controller. When the file and the company membership number sent from the card terminal are appropriate in the usability judgment to search this company membership number in the company negative file, the card usability judgment based on the partner member number is executed. A credit processing system comprising: a double checking means.