JPH10302160A - Transaction processing system, terminal equipment, and host device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction processing system which processes a transaction (a credit transaction) with a transaction destination selected from plural transaction destinations (card companies) by one card. SOLUTION: A transaction destination record 21 is stored for each issued card in a host device. A card company record for each card company is registered in the transaction destination record. When the ID card is inserted to a terminal equipment, a transaction with selected one of card companies registered in the transaction destination record 21 is processed. Consequently, a user carries this ID card without carrying plural cards to process a transaction with selected one of plural card companies.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing system for processing a transaction based on transaction information input using a card, and a terminal device and a host device applied to the transaction processing system.

[0002]

2. Description of the Related Art Credit transactions using a credit card have been conventionally performed. Recently, many customers have contracted with a plurality of credit card companies (hereinafter simply referred to as card companies) and have a plurality of credit cards.

[0003]

However, a customer who owns a plurality of credit cards sometimes considers (worries) which credit card to use when processing a transaction at a store. . Therefore, it took a long time for the customer to decide which credit card to use. In addition, if the transaction processing is started using the credit card used by the customer, the transaction is suspended due to the transaction amount exceeding the credit limit or the card expiration date, etc. In some cases, transactions were processed using For this reason, there was a problem that transaction processing could not be performed smoothly at the store.

[0004] In addition, the customer thinks that it is inconvenient to carry a plurality of credit cards, and there has been a problem that the service to the customer is poor. So 1
There is a need for a system that can process transactions with one card company selected from a plurality of card companies with one card.

[0005] It is an object of the present invention to provide a transaction processing system capable of processing transactions with one customer selected from a plurality of suppliers using one card.

Another object of the present invention is to provide a transaction processing system capable of dealing with a plurality of credit card companies using one card without having to form a plurality of credit cards.

[0007] It is another object of the present invention to provide a terminal device and a host device applied to the transaction processing system.

[0008]

According to a first aspect of the present invention, there is provided a transaction processing system comprising: a terminal device provided with means for inputting transaction information using a card; and a plurality of suppliers for each card. A terminal device having means for transmitting input transaction information to the host device, wherein the host device has a card used for inputting the received transaction information. And a means for processing a transaction between the selected supplier and the selected supplier based on the transaction information. It is characterized by the following.

With this configuration, the terminal device transmits the transaction information input using the card to the host device. The host device selects one supplier from a plurality of suppliers stored for the card used to input the transaction information. Then, a transaction based on the transaction information received with the selected supplier is processed. That is, a single card can process a transaction with a single supplier selected from a plurality of suppliers stored in the host device for the card. Therefore, a single card can process transactions with a plurality of business partners. Further, since a plurality of business partners are stored not in the card but in the host device, the storage capacity of the card itself can be small. Thus, the card can be manufactured at low cost.

[0010] In the invention described in claim 2, the supplier selection means selects all the suppliers other than those who cannot process the transaction for a predetermined reason from all the stored suppliers. Means for extracting, means for transmitting information of all the extracted business partners to the terminal device, and selecting the business partner specified in the terminal device as the business partner for processing the business from the transmitted business partners And means for performing the operation.

[0011] In this configuration, the host device extracts from the stored business partners all the business partners other than the business partners who cannot process the transaction for a predetermined reason, and transmits these business partners to the terminal device. Then, the business partner designated in the terminal device is selected as a business partner for processing the business. Therefore, since the host device excludes in advance the business partners who cannot trade for a predetermined reason, the business partners who cannot trade for this reason are not specified in the terminal device. As a result, the started transaction process is interrupted for this reason, and there is no need to select another customer and repeat the transaction process again. For this reason, transaction processing can be performed smoothly.

According to a third aspect of the present invention, in the terminal device, supplier display means for displaying information of all the suppliers transmitted from the host device, and a transaction displayed by the supplier display means. And a supplier designation means for designating one of the suppliers.

[0013] In this configuration, the supplier display means displays the transactable supplier transmitted from the host device,
Since the supplier to be processed is designated from the displayed information, the supplier can be designated while confirming the supplier on the terminal device.

According to a fourth aspect of the present invention, priority is given to a plurality of business partners stored in the host device,
The supplier display means displays the information of the supplier with the highest priority in order.

In this configuration, a plurality of business partners are displayed in order from the business partner with the highest priority, so that the business partner can be specified using this display as a guide. Therefore, the time required for designating (selecting) a business partner can be further reduced, and the transaction processing can be performed more smoothly.

The invention described in claim 5 has a configuration in which the business partner is a credit card company. With this configuration, transaction processing with a plurality of credit card companies can be performed with one card. Therefore, the customer does not have to carry a plurality of credit cards, and customer service can be improved.

In the invention described in claim 6, the credit limit is displayed for each credit card company displayed on the terminal device. Therefore, it is possible to provide an appropriate guide when a customer selects a credit card company at the terminal device. Therefore, the selection of the credit card company can be performed more easily.

The invention described in claim 7 is a terminal device applied to the transaction processing system described in claim 1, and the invention described in claim 8 is applied to the transaction processing system described in claim 3. The present invention is a terminal device, and the invention described in claim 9 is a host device applied to the transaction processing system described in claim 1.

[0019]

FIG. 1 is a diagram showing a configuration of a transaction processing system according to an embodiment of the present invention. The transaction processing system according to the present embodiment includes a terminal device 1 for inputting transaction information using a card, and a host device 2 connected to the terminal device 1. A plurality of terminal devices 1 are connected to the host device 2 as illustrated. The host device 2 is also connected to a credit card company (hereinafter simply referred to as a card company) via a public line network, not shown. The card is a general magnetic card as shown in FIG. Here, this card is called an ID card. The magnetic stripe 6 of the ID card 5 stores information such as a card number (hereinafter, referred to as an ID number) and an expiration date of the card.

FIG. 3 is a diagram showing the configuration of the terminal device.
11 is a CPU, 12 is a ROM, 13 is an RA
M. Reference numeral 14 denotes an input unit for inputting information on products to be traded by key operation. Reference numeral 15 denotes a card reader for reading information stored from a magnetic stripe of the ID card 5 or a credit card. A communication unit 16 performs information communication with the host device 2. A display unit 17 performs a display process. Reference numeral 18 denotes a printer that issues a slip on which the details of the transaction and the like are printed.

In this transaction processing system, one ID card 5 is issued to one customer. Further, the host device 2 is provided with a supplier file 20 shown in FIG. The issued ID is stored in the supplier file 20.
A supplier record 21 is registered for each card. The supplier record 21 includes an ID number storage area 22 for storing an ID number, and a card company information storage area 23 for storing a card company record 30 shown in FIG. . A plurality of card company records 30 can be stored in the card company information storage area 23. The customer who has been issued the ID card 5
Card company record 3 for each credit card owned
0 can be registered. Card company record 30
Can be registered by executing a new registration process described later. The registered card company record 30 can also be deleted by performing a deletion process described later.

The card company record 30 includes a company name storage area 31 for storing the name of the card company that issued the corresponding credit card, an identification code storage area 32 for storing the identification code of the card company, An encoded data storage area 33 for storing the encoded data of the card company; a first priority storage area 34 for storing the priority of the card company set by the customer;
A second priority storage area 35 for storing the priority of the card company set by the host device, and an expiration date storage area 36 for storing the expiration date of the credit card.
And a credit limit storage area 37 for storing the credit limit of the credit card. Note that the first priority storage area 34 can set priorities by a priority change process described later. Note that this is a default until this priority change processing is performed. Further, the host device 2 performs a process of setting a priority to be stored in the second priority storage area when the card company record 30 is newly registered or every set predetermined period. For example, under the following conditions, the host device 2
Set the priority. (1) A card company with a higher conversion rate of points given to a transaction amount has a higher priority. (2) A card company with a longer period of use by a customer has a higher priority. (3) If the card company is during the service period, increase the priority. (4) A credit card company with a lower usage fee at the time of transaction has a higher priority. The priority may be set under one of the above conditions (1) to (4), or the priority may be set by combining a plurality of conditions. Further, the above (1) to (4)
The priority may be set using conditions other than the above.

Hereinafter, the processing of the transaction processing system of the present embodiment will be described in detail. FIG. 5 is a flowchart showing the processing of the transaction processing system of the present invention. The terminal device 1 waits for the ID card 5 to be inserted into the card reader 15 (n1). When the ID card 5 is inserted, the card information including the ID number is read from the ID card 5 (n
2). Then, it waits for any key to be operated on the input unit 14 (n3). The input unit 14 includes a new registration key operated when newly registering a card company record 30, a deletion key operated when deleting a registered card company record 30, and a priority order of registered card companies. Priority change key operated when changing settings,
A transaction key or the like operated when processing a transaction is provided. When the terminal device 1 detects that a key operation has been performed at n3, the terminal device 1 determines whether the operated key is a new registration key, a deletion key, a priority change key, a transaction key, or another key ( n4 to n7). When the new registration key is operated, new registration processing is performed (n8), when the deletion key is operated, deletion processing is performed (n9), and when the priority change key is operated, the priority is changed. Processing is performed (n10), and when a transaction key is operated, transaction processing is performed (n11). When a key other than the above-described keys is operated, processing corresponding to the operated key (other processing) Is performed (n12).

First, the new registration process of n8 will be described in detail. FIG. 6 is a flowchart showing the new registration process. The terminal device 1 waits for a newly registered credit card to be inserted into the card reader 15 (n21).
The customer enters the newly registered credit card into the card reader 1
Insert into 5. When the credit card is inserted into the card reader 15, the terminal device 1 reads information stored in the inserted credit card (n22). The information read here includes information such as the identification code of the credit card company, encoded data, and expiration date. Then, new registration data in which the ID number read at n2 is associated with the information read at n22 is created (n23), and transmitted from the communication unit 16 to the host device 2 (n24).

Upon receiving the newly registered data (n31), the host device 2 creates a card company record 30 based on the newly registered data (n32). The ID number is extracted from the newly registered data (n33). Then, the card company record 30 created at n32 is additionally registered in the card company information storage area 23 of the customer record 21 registered with the ID number extracted at n33 from the transaction file 20 (n34). Further, a notification of registration completion is transmitted to the terminal device 1 (n35).

When the terminal device 1 receives the notification of the completion of the registration from the host device 2 (n25), the terminal device 1 further waits for an input as to whether or not there is a newly registered credit card (n26).
Here, when the customer further inputs that there is a credit card to be newly registered, the process returns to n21 and the above-described processing is repeated. On the other hand, if the customer inputs that there is no newly registered credit card, this processing ends.

As described above, the customer stores the card company record 30 for each credit card owned by the customer in the host device 2.
You can register to. As will be described in detail later, by registering the card company record 30, it is possible to process credit transactions using the ID card 5 (without using a credit card issued by this card company). become able to. Therefore, if a plurality of card company records 30 are registered,
With the D card 5, a plurality of card companies can process credit transactions. That is, it is possible to process a credit transaction with a plurality of card companies simply by carrying the ID card 5 without carrying a plurality of credit cards.

Next, the deletion process related to n9 will be described. FIG. 7 is a flowchart showing the deletion process.
The terminal device 1 waits for a credit card to be inserted into the card reader 15 (n41). The customer inserts the credit card used when registering the card company record 30 to be deleted. When the credit card is inserted into the card reader 15, the terminal device 1 reads information stored in the inserted credit card (n42). The information read here includes information such as the identification code of the credit card company, encoded data, and expiration date. Then, delete data in which the ID number read at n2 is associated with the information read at n42 is created (n
43), and transmits this to the host device 2 from the communication unit 16 (n44).

When the host device 2 receives the deletion data from the terminal device 1 (n51), it receives an ID from the deletion data.
Retrieve the number and card company identification code (n5
2, n53). Then, the customer record 2 registered with the ID number extracted from the transaction file 20 at n52
1 is read out, and the corresponding card company record 30 is deleted from the card company records 30 stored in the card company information storage area 23 of the supplier record 21 (n54). Thereafter, the completion of deletion is notified to the terminal device 1 (n55).

Upon receiving the notification of the completion of the deletion from the host device 2 (n45), the terminal device 1 waits for an input as to whether there is a card company to be deleted (n46). Now, if the customer states that there are more card companies to delete,
Returning to n41, the above-described processing is repeated. On the other hand, when the customer inputs that there is no card company to be deleted, this processing is ended.

As described above, the customer can delete the unnecessary card company record 30 by a simple operation.
The expired card company record 30 stored in the expiration date storage area 36 may be automatically deleted by the host device 2.

Next, the priority changing process will be described. FIG. 8 is a flowchart showing the priority change processing. The terminal device 1 creates a priority change request including the ID number read in n2 (n61), and transmits this to the host device 2 (n62).

When receiving the priority change request from the terminal device 1 (n71), the host device 2 extracts the ID number from the received request (n72). Then, the transaction file 20 is searched for the customer record 21 corresponding to the extracted ID number, and all the card company names in which the card company records 30 are stored in the found customer record 21 are used as the customer information as terminal information. 1 (n7
3).

When receiving the supplier information from the host apparatus 2 (n63), the terminal device 1 displays all the card company names included in the supplier information on the display unit 17 (n6).
4). FIG. 9 is a diagram illustrating a display example of the display unit at this time. The display section 17 displays the card company name and the current priority in correspondence with each other. Here, the customer moves the cursor to the displayed priority of the card company whose priority is to be changed, and operates the numeric keypad provided in the input unit 14 to input the priority to be changed. The terminal device 1
Until the end key is operated, the priority setting input by the customer is received (n65, n66). In FIG. 9,
The cursor is at the position where the priority of the ABC card company is input. Here, when the ten keys are operated, the priority order of the ABC card company can be input. The customer operates the end key when the input of the priority order for each card company is completed. When the setting of the priority order is completed (when the end key is operated), priority information corresponding to the priority order input for each card company is created (n67) and transmitted to the host device 2 (n67). n68).

When the host device 2 receives the priority information from the terminal device 1 (n74), all the card company records 30 recorded in the corresponding customer record 21 are received.
The priority order is set for the first priority information storage area 34 (n75). Then, the host device 2 notifies the terminal device 1 of the completion of the priority order setting (n76). Upon receiving the priority setting completion notification from the host device 1, the terminal device 1 completes this processing (n69).

Next, the transaction processing will be described. FIG.
Is a flowchart showing a transaction process. Terminal device 1
Accepts input of transaction information including the identification code of the product to be traded (product identification code) and the like (n81). And
The ID number read at n2 is included in the transaction information and transmitted to the host device 2 (n82).

When receiving the transaction information from the terminal device 1 (n91), the host device 2 extracts the ID number from the transaction information (n92). Then, the host device 2
The transaction record 21 corresponding to the D number is searched, and one card company record 30 is selected from the card company records 30 registered in the searched transaction record 21 (n93). Card company record 3 selected here
The card company corresponding to 0 is the card company that processes the transaction.

Here, the process in which the host device 2 selects a card company that processes a transaction will be described in detail. FIG. 11 is a flowchart showing a process of selecting a card company that processes a transaction. The host device 2 is a card company record 3
It is checked whether the first priority storage area 34 of 0 is the default (n101). That is, it is checked whether or not the priority of the card company is set by the customer. If no priority is set by the customer, the card company with the highest priority stored in the second priority storage area 35 is selected (n102). Then, it is determined whether or not the credit limit of the card company is equal to or less than the transaction amount of the transaction to be processed this time (n103). If the transaction amount exceeds the credit limit, the card company with the next highest priority stored in the second priority storage area 35 is selected (n
104), returning to n103. If it is determined in n103 that the transaction amount is equal to or less than the credit limit, it is checked whether the expiration date has expired (n105). If the expiration date has expired, the process proceeds to n104. If the expiration date has not expired in n105, this card company is selected as the customer's card company (n107). If the customer has set a priority order, the above-described n is set based on the priority order stored in the first priority order storage area 34.
The same processing as 103 to 106 is performed (n108 to 11
1).

As described above, the host device 2 does not select a card company whose transaction amount exceeds the credit limit or a card company whose expiration date has expired as a customer's card company. Therefore, there is no guarantee that the transaction will not be authorized for these reasons.

When the host device 2 completes the selection of the card company that processes the transaction, the host device 2 makes an inquiry to the card company based on the encoded data stored in the card company record 30 corresponding to the card company and the transaction information received at n91. Information is created (n94). Then, the created inquiry information is transmitted to the card company selected in n93 (n
95). The card company determines whether to permit the transaction based on the transmitted inquiry information, and transmits the result to the host device 2. Upon receiving the inquiry result from the card company (n96), the host device 2 transfers this to the terminal device 1 (n97).

Upon receiving the inquiry result from the host device 2 (n83), the terminal device 1 determines whether or not the transaction is permitted (n84). If the transaction is not permitted, the transaction is terminated by terminating the transaction (n85). On the other hand, if the transaction is permitted, a clearing process such as issuing a transaction slip with the transaction contents printed by the printer 18 is performed (n86). Note that this transaction was not permitted because the expiration date or the transaction amount exceeded the credit limit as described above, but the transaction was not permitted for other reasons.

As described above, in the transaction processing system according to the present embodiment, by registering a plurality of card company records 30 in the supplier record 21, the ID card 5 processes transactions with a plurality of card companies. Will be able to do it. That is, it is only necessary to carry one ID card 5 without carrying a plurality of credit cards. Therefore, the inconvenience of the customer having to carry a large number of credit cards can be solved, and the customer service can be improved. In addition, the host device 2 selects a card company whose expiration date has not expired and whose transaction amount does not exceed the credit limit as a customer's card company, so that the transaction is not permitted for these reasons. Absent. Therefore, occurrence of unauthorized transactions can be reduced, and transaction processing can be smoothly performed. In addition, since the host device 2 automatically selects a card company to be a business partner, the customer does not need to consider where the business card company should be. Therefore, the time until the card company to be a business partner is selected can be shortened, and the transaction processing can be performed more smoothly. In addition, the customer can set the priority order so that the customer can select a card company that meets his / her wish as a business partner.

Next, a transaction processing system according to another embodiment of the present invention will be described. The difference between this embodiment and the above-described embodiment lies in a process of selecting a card company to process a transaction during the transaction process (the process of n93, FIG. 11).
This is the processing shown in FIG. ). FIG. 12 shows a process for selecting a card company that processes a transaction according to the transaction processing system of this embodiment. The host device 2 extracts all card companies that have not expired and whose transaction amount does not exceed the credit limit from the card company records 30 stored in the card company information storage area 23 (n11).
1). Then, the card companies extracted in n111 are transmitted to the terminal device 1 in the descending order of priority stored in the first priority storage area 34 (n112). The first
When the priority storage area 34 is default, n1
The card companies extracted in step 11 are transmitted in descending order of priority stored in the second priority storage area 35. At this time, the host device 2 transmits the credit limit corresponding to each card company.

The terminal device 1 displays the host device 1 on the display unit 16.
Card companies in the order they were sent from (n12
1). That is, the display unit 17 displays the card companies in descending order of priority. At this time, the credit limit is also displayed corresponding to each card company. FIG. 13 shows a display example on the display unit 17 at this time. The customer specifies the card company that he / she wants to become a business partner from the displayed card companies. Designation of a card company can be performed by moving a cursor to a desired card company and operating a predetermined key. When a predetermined key is operated in the display shown in FIG. 13, an ABC card company is designated. When the card company is designated (n122), the terminal device 1 transmits the identification code of the designated card company to the host device 2 as a selection result (n123).

Upon receiving the selection result from the terminal device 1 (n113), the host device 2 reads the card company specified by the customer from the selection result and selects this card company as a business partner (n114).

Note that the other processes are the same as those in the above-described embodiment, and the description is omitted here.

As described above, in the transaction processing system according to this embodiment, the host device 2 extracts all card companies whose expiration date has not expired and whose transaction amount does not exceed the credit limit, and among them, the business partner Is made to be designated by the customer, so that a card company not desired by the customer is not selected as a business partner. Also, when letting the customer choose a card company to process the transaction,
Card companies are displayed in order of priority, and the credit limit is also displayed for each card company, so that customers can be given a guide when selecting a card company, and the card company with which the customer is a business partner Can be shortened until the time is specified. Therefore, the transaction can be processed smoothly.

Further, a function may be provided for printing the name of a credit card company which can be traded on the surface of the ID card 5 inserted in the terminal device 1. In this way, it is possible to easily determine the credit card company for which the customer has forgotten to register the card company record 30.
Therefore, customer service can be further improved.

Further, in the above two embodiments, the terminal device is installed in the store so that the customer can freely operate it, and the above-mentioned new registration processing, deletion processing, and priority setting processing can be freely performed by the customer. You may keep it.
This terminal device does not require the above-described transaction processing function. In this way, new registration processing, deletion processing,
This makes it possible for only the customer to perform the priority setting process, which has the effect of reducing the labor on the store side.

[0050]

As described above, according to the present invention, one card can be used to communicate with one customer selected from a plurality of suppliers stored in the host device for the card. Can process the transaction. Therefore, a single card can process transactions with a plurality of business partners.
Further, since a plurality of business partners are stored not in the card but in the host device, the storage capacity of the card itself can be small. Thus, the card can be manufactured at low cost.

Further, since the host apparatus excludes in advance the business partners who cannot trade for a predetermined reason, the business partners who cannot trade for this reason are not specified in the terminal device. As a result, the started transaction process is interrupted for this reason, and there is no need to select another customer and repeat the transaction process again. For this reason, transaction processing can be performed smoothly.

[0052] Further, since the supplier display means displays the transactable supplier transmitted from the host device and designates the supplier for the transaction processing from the displayed, the supplier is confirmed in the terminal device. You can specify while.

Further, since the business partners are displayed in descending order of priority, it is possible to specify the business partners using this display as a guide. Therefore, the time required for designating (selecting) a business partner can be further reduced, and the transaction processing can be performed more smoothly.

If the transaction is specified as a credit transaction, transaction processing with a plurality of credit card companies can be performed in one transaction.
You can do this with only one card. Therefore, the customer does not need to carry a plurality of credit cards, and the customer service can be improved. Since the credit limit is displayed for each credit card company that can be traded,
The terminal device can provide an appropriate guide when a customer selects a credit card company. Therefore, the selection of the credit card company can be performed more easily.

[Brief description of the drawings]

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

FIG. 2 is a diagram showing an ID card according to the embodiment of the present invention.

FIG. 3 is a diagram showing a configuration of a terminal device according to the embodiment of the present invention.

FIG. 4 is a diagram showing a configuration of a customer record according to the embodiment of the present invention.

FIG. 5 is a flowchart showing a process of the transaction processing system of the embodiment.

FIG. 6 is a flowchart illustrating a new registration process according to the embodiment.

FIG. 7 is a flowchart illustrating a deletion process according to the embodiment;

FIG. 8 is a flowchart illustrating a priority order setting process according to the embodiment.

FIG. 9 is a diagram illustrating an example of a display screen during a priority order setting process according to the embodiment.

FIG. 10 is a flowchart showing a transaction process of this embodiment.

FIG. 11 is a flowchart illustrating a process of selecting a business partner according to the embodiment;

FIG. 12 is a flowchart showing processing for selecting a business partner according to another embodiment of the present invention.

FIG. 13 is a diagram showing a display example on the terminal device when selecting a supplier according to the embodiment.

[Description of Signs] 1-terminal device 2-host device 5-ID card 6-magnetic stripe 14-input unit 15 card reader 16-communication unit 17-display unit 18-printer 20-transaction file 21-customer record 22- ID number storage area 23-card company information storage area 30-card company record 31-company name storage area 32-identification code storage area 33-encoded data storage area 34-first priority storage area 35-second priority Storage area 36-Expiration date storage area 37-Credit limit storage area

Claims (9)

[Claims] 1. A terminal device provided with a means for inputting transaction information using a card, and a host device provided with a means for storing a plurality of business partners for each card are connected, wherein the terminal device comprises: Means for transmitting the input transaction information to a host device, wherein the host device selects one transaction from a plurality of suppliers stored for a card used to input the received transaction information. A transaction processing system comprising: a supplier selection unit for selecting a destination; and a unit for processing a transaction based on the transaction information with the selected supplier. 2. A means for extracting all the business partners other than the business partners who cannot process the business for a predetermined reason from all the stored business partners, and a terminal device. Means for transmitting the information of all the suppliers extracted to the client, and means for selecting the supplier specified in the terminal device from the transmitted suppliers as the supplier who processes the transaction. Claim 1 characterized by the following:
Transaction processing system described in 1. 3. A supplier display means for displaying, on the terminal device, information on all the suppliers transmitted from the host device, and one of the suppliers displayed by the supplier display means. The transaction processing system according to claim 2, further comprising: a supplier designation means for designating a destination. 4. The system according to claim 1, wherein a priority order is assigned to a plurality of business partners stored in the host device, and the business partner display means displays the business partners in descending order of priority. 3. The transaction processing system according to 3. 5. The transaction processing system according to claim 1, wherein a credit card company is stored as the business partner. 6. A credit card company is stored as said business partner, and said business partner display means includes means for displaying a credit limit for each credit card company displayed as a business partner. Or the transaction processing system according to 4. 7. A transaction information input means connected to a host device storing a plurality of business partners for each card, and inputting transaction information using the card, and a transaction information input by the transaction information input means. Transaction information transmitting means for transmitting to the host device, and a supplier for displaying the information of the business partner extracted from the business partners stored in the card used for inputting the transaction information in the host device. A terminal device comprising: display means; and supplier specification means for specifying one of the business partners displayed by the business partner display means. 8. The terminal device according to claim 7, wherein the supplier display means displays the suppliers in descending order of priority. 9. A transaction information receiving means connected to a terminal device for inputting transaction information using a card, receiving transaction information from the terminal device, and a card used for inputting the received transaction information. Means for selecting one supplier from among a plurality of suppliers stored and stored, and means for processing a transaction based on the transaction information between the supplier selected by the supplier selection means. A host device comprising: