JPH0628073B2 - Card trading system - Google Patents

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card transaction system for making payment using a card used as a recording medium, and more particularly to a card transaction system in which a card includes a gift certificate used for gifts. .

2. Description of the Related Art At present, as is well known, many types of gift certificates such as beer tickets and book tickets are issued. These gift certificates have a product name, price, etc. that can be purchased printed on paper, and have a value of being exchanged for products at retail stores and the like. Since conventional gift certificates do not have the function of a storage medium like magnetic cards, CAT (credit authorization
It is not of the nature that authentication is given when used in a terminal).

FIG. 10 shows a conventional gift certificate settlement system. Gift certificate 6
4 is issued by the issuer 63 and sent to the retail store 66. A customer (A) who wants to purchase a gift certificate goes to the retail store 66,
Purchase a gift certificate 67 with cash 68. Gift certificates are usually stamped valid when sold at retail stores. The retail store 66 pays the issuer 63 a cash 65 corresponding to the sales amount. Party A presents the gift certificate 69 to B. The second party goes to a retail store 72 where the gift certificate 69 can be used, and purchases the product 71 using the gift certificate 70. The retail store 72 sends the gift certificate 73 exchanged for the goods to the issuer 63 of the gift certificate and receives the cash 74 as the price.

Problems to be Solved by the Invention Conventional gift certificates are printed on paper, and since the printing is relatively simple, they are easily forged. Also, in retail stores, when a gift certificate is sold to a customer, a valid stamp is usually stamped, but since the stamp is often a rubber stamp, it is easily imitated. Therefore, recently, forged gift certificates have been around,
The retail stores where the gift certificates were used and the issuers of genuine gift certificates were often damaged.

Means for Solving the Problems The present invention is a card transaction system for performing payment processing using a card in which unique information including at least identification information and value information is pre-recorded in a machine-readable manner, and is recorded on the card. A credit center with a central file for registering unique information, a sales device for selling cards to customers, and a terminal device that is connected to the credit center by a communication line and performs transaction processing using the card. The device and the terminal device each have a transmission means for reading the unique information recorded on the card and transmitting it to the credit center, and the credit center is the unique information transmitted by the transmission means of the selling device when the selling device sells the card to the customer. Validly registered in the central file, and match the unique information transmitted by the transmission means of the terminal device when the transaction processing is completed. It is configured to include means for erasing the information to be stored from the central file.

Unique information including at least identification information and value information is pre-recorded in a machine-readable manner on the action card. The selling device sells the card to the customer, and the terminal device processes the transaction using the card. When the card is sold or the transaction processing is completed, the unique information recorded on the card is read and transmitted to the credit center by the transmission device or the transmission device of the terminal device. The credit center effectively registers the unique information transmitted from the selling device at the time of card sales in the central file,
When the transaction processing is completed, the information matching the unique information transmitted from the terminal device is deleted from the central file.

Embodiment FIG. 1 shows a card payment system according to an embodiment of the present invention. The credit center 1 issues, for example, a card 3 having a magnetic stripe 4 as a recording means and sends it to a retail store 6. When the card 3 is issued from the credit center 1, information indicating the card number, the types of merchandise that can be purchased, and the available amount of money is recorded on the magnetic stripe, and the name of the merchandise and the amount of money that can be purchased are printed on the surface of the card. To be done. The customer (A) who wants to purchase the card goes to the retail store 6 and purchases the card 3a with cash 7. When the retail store 6 sells the card 3a, the CAT 5 provided in the retail store 6 transmits information to the credit center 1 to register the card effectively, and at the same time, the card sales amount is settled. In this registration, the card sold by the retail store 6 is used by the credit center 1
This is done to register in the central file 3 of. The card with valid registration can be used. Since predetermined information has already been recorded on the card, the card itself is not processed at this time. Party A presents Card 3b to Party B. The second party goes to the retail store 6a where the card can be used and purchases the product 8 using the card 3c. At that time, retail store 6
In a, the sales information is transmitted from the CAT 5a provided to the credit center 1. In response, the credit center 1 erases the information of the card that is validly registered in the central file 2. This invalidates the card.
The credit center 1 makes payment based on the sales information transmitted from the retail store 6a and pays the sales amount to the retail store 6a.

The retail store 6 and the retail store 6a in FIG. 1 are described separately for convenience of description, and the cards may be sold and the sold cards may be used in the same store. Further, each store has only one CAT, and can be used correspondingly at the time of selling the card and at the time of using the card.

FIG. 2 is a diagram for explaining an online system composed of a CAT and a credit center provided in the retail store of FIG. The CAT 5b provided in the retail store, which is a member store of the card, is CA through a telephone line via the exchange 9.
It is connected to a FIS (Credit and Finance Information Switching System) center 10, and is connected to the credit center 1a of each card through the CAFIS center 10. The CAFIS center 10 performs data conversion by converting and switching different protocols between card issuing companies.

FIG. 3 is an external perspective view showing a CAT 5c provided in a retail store. A printer 5 that issues a slip to the CAT 5c
1, a display device 52 for displaying messages, a keyboard 53 for data input, and a card reader 454 for reading information from a card. Also, CA
A pin pad 55 for inputting a personal identification number is connected to T5c. Further, the keyboard 53 may be provided with business keys. The business key is composed of a card registration key used when validly registering a card and a shopping key used when shopping with the card.

FIG. 4 is a schematic block diagram of the CAT 5c shown in FIG. The printer 51 of FIG. 3 is provided with a printer control unit 57, the display device 52 is provided with a display drive unit 58, the card reader 54 is provided with a card reader control unit 59, and the keyboard 53 is provided with a key control unit 61. Via CP respectively
Connected to U55. Further, the CPU 55 is connected to a memory 56 that stores an operation program, input / output information, and the like, and a transmission circuit 60 that performs communication transmission with a credit center.

FIG. 5 is an illustrative view for explaining the contents of data recorded on the card used in this system. The card is provided with a magnetic stripe 4, for example. The magnetically necessary data is stored in the magnetic stripe 4. The data includes a system code 41, a credit type 42, a card number 43, a used product category 44, an amount 45, and a reserve 46. The system code 41 is a code indicating that it is a credit card, and the card is roll-checked by CAT when used.
The credit type 42 indicates the type of credit such as JCB and BGC. The card number 43 is used for invalidity check and invalidity registration at the center of the credit company. The product category 44 is a code indicating which product the card can be used for, and is checked by CAT. The amount of money 45 indicates the amount of money that can be used with the card. All the data shown in FIG. 5 is recorded when issued from the credit center. As the card, for example, paper having magnetic surface coated with magnetic powder is used. Further, the recording means is not limited to magnetic means, and may be optical means such as a bar code.

FIG. 6 shows the contents of the central file 2 provided in the credit center 1 of FIG. The data registered in the central file 2 includes a card number 21, a used product classification code 22, an amount 23 and a retailer 24. The card number 21 is a card identification number. The used product classification code 22 is a code representing a product classification that can be purchased with the card used. The amount of money 23 is data indicating the amount of money that can be used with the card used. The retail destination 24 is data indicating the retail store where the card is sold, and is specified by the number of the terminal device to which the information is sent. All the data shown in FIG. 6 is registered in the credit center only when the card is sold at the retail store. The card is valid after being registered at the credit center. Also, when the sold card is used at a retail store and exchanged for a product, the corresponding data in the central file 2 is erased. As a result, the card once used is invalidated.

FIG. 7 is a flow chart for explaining the processing when the card 3a is sold to the customer at the retail store 6 in FIG. 1 and the card is effectively registered in the credit center 1.

FIG. 8 is a flow chart for explaining a process when a customer uses a card to shop at the retail store 6a shown in FIG.

FIG. 9 is for explaining a process of erasing the information of the card in the central file registered in the credit center 1 based on the shopping information transmitted from the CAT 5a of the retail store 6a of FIG. 1 to the credit center 1. FIG.

Hereinafter, the card issuing system of the present invention will be described in detail with reference to FIGS. 1 to 9.

First, the processing for validly registering a card will be described with reference to FIG.

The CPU 55 of the CAT 5c displays "Please press the business key" on the display device 52 (step S1). The operator presses the business card key registration key on the keyboard 53 (step S2). Subsequently, the operator inserts the card to be sold into the card reader 54 (step S
3). In response, the CPU 55 displays "Please press the execute key" on the display device 52 (step S4). The operator presses the end / execute key (step S5).
In response, the CPU 55 causes the card reader 54 to read the information recorded on the card, and transmits the read information to the credit center 1 via the transmission circuit 60 (step S).
6). At this time, the CPU 55 determines the credit center of the transmission destination based on the information of the credit type 42 read from the card. As shown in Fig. 2, the communication between CAT and credit center is via telephone line, so CP
U55 dials from the exchange 9 to the determined destination and connects the line to transmit the information. The credit center creates the file shown in FIG. 6 based on the transmitted information. That is, the data of the card number 21, the used product classification code 22, and the amount of money 23 are created based on the respective data read from the card, and the data of the retailer 24 is created from the number of the CAT that is the sender of the information. . CA
The CPU 55 of T causes the printer 51 to issue a sales slip (step S7) and ends the operation.

Next, processing when using a sold or gifted card will be described with reference to FIG.

The CPU 55 of the CAT displays "Please press the business key" on the display device 52 (step S11). The operator presses the shopping key of the business key on the keyboard 53 (step S12). Then, the operator inserts the card presented by the customer into the card reader 54 (step S1).
3). In response, the CPU 55 displays “Please press the execute key” on the display device 52 (step S14). The operator presses the end / execute key (step S1).
5). In response, the CPU 55 causes the card reader 54 to read the information recorded on the card, and transmits the read information to the credit center 1 via the transmission circuit 60 (step S16). The transmission method is the same as in the case of valid registration in FIG. Information processing in the credit center 1 will be described later with reference to FIG. Subsequently, the CPU 55 causes the printer 51 to issue a sales slip (step S17) and ends the operation.

Next, processing of the credit center when using the card will be described with reference to FIG.

The credit center 1 retrieves the card number from the central file shown in FIG. 6 based on the card number information of the transmitted information (step S21). If the card number 21 registered in the file does not have the same number, it is not registered in the file, so it is determined that the card is invalid, and a message indicating that the card is an invalid card is transmitted to the CAT (step S28). The operation ends. If there is a match of the card number 21, the correspondingly recorded data of the used product classification code 22 and the amount of money 23 is read out, and it is determined whether or not it matches the transmitted information. If even one does not match, the card is an invalid card, and therefore, an invalid card response is made as in step S28 (step S29), and the operation ends.
If all match, the process proceeds to step S25, the sales process is performed, and the data recorded for the used card is erased from the file (step S26). Then, information on the end of the sales process is transmitted to the CAT (step 27), and the operation ends.

EFFECTS OF THE INVENTION According to the present invention, a card in which unique information including at least identification information and value information is pre-recorded in a machine-readable manner becomes effective only when sold in a sales device, and is used for transaction processing in a terminal device. Since it is invalidated, illegal use will not cause damage to retail stores and credit companies.

[Brief description of drawings]

FIG. 1 is a diagram showing a card issuing system according to an embodiment of the present invention. FIG. 2 is a schematic configuration diagram of an embodiment of the present invention. FIG. 3 is an external perspective view of the CAT of FIG.
FIG. 4 is a schematic block diagram of CAT. FIG. 5 is an illustrative view showing data recorded on the card of one embodiment of the present invention. FIG. 6 is a diagram showing a central file provided in the credit center. FIG. 7 is a flow chart showing the processing of CAT when cards are sold. FIG. 8 is a diagram showing the processing of the CAT when the card is used.
FIG. 9 is a flowchart showing the processing in the credit center. FIG. 10 is a diagram showing a conventional gift certificate payment system. In the figure, 1 is a credit center, 2 is a central file provided in the credit center, 3 and 3a to 3
c is a card, 4 is a magnetic stripe, and 5 and 5a are CA
T, 6 and 6a are retail stores, 7 is cash, and 8 is merchandise.

Claims (3)

[Claims] 1. A card transaction system for performing settlement processing using a card in which unique information including at least identification information and value information is pre-recorded in a machine-readable manner, wherein the unique information recorded in the card is registered. A credit center having a central file to be sold, a selling device for selling the card to a customer, and a terminal device connected to the credit center by a communication line for transaction processing using the card, The device and the terminal device each include transmission means for reading the unique information recorded on the card and transmitting the information to the credit center, wherein the credit center sells the card to the customer by the selling device. Effectively registering the unique information transmitted by the transmission means in the central file,
A card transaction system, comprising means for erasing, from the central file, information that matches the unique information transmitted by the transmission means of the terminal device when transaction processing is completed. 2. The card transaction system according to claim 1, wherein the vending device and the terminal device are the same. 3. The card transaction system according to claim 1, wherein the terminal device further comprises a registration key for validly registering unique information of the card in the central file.