JPS59160259A - Processing system using card - Google Patents

Abstract

PURPOSE:To rationalize a card processing job by reading out and storing a balance from a bank by a communication circuit by a data which a host cash register reads from a card, and executing a card transaction by plural slave cash registers. CONSTITUTION:A cash register 1 connected to a computer 25 of a bank by a memory 23 and a telephone line 24 is used as a host cash register, and plural slave cash registers 2-4 are connected by a circuit 5. by a data obtained by reading a card 10 by the host cash register 1, a balance corresponding to the card 10 is read out of the computer 25 and stored in the memory 23. The card is collated 11-14 by each cash register 1-4, a sales amount is calculated 19- 22, and the amount of the memory 23 is subtracted. When the balance is short or when a constant interval of time elapses, a data of that time point in the memory 23 is sent back. In this way, a transaction job by a card is rationalized without occupying a telephone at every transaction.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a processing method using a card, such as a so-called debit card or credit card, to perform processing such as monetary payment using a card such as a debit card or a credit card.

Conventional technology In the past, calculations such as the total amount of sales and sales were performed using electronic cash registers installed individually at each sales floor, etc., and the cash registers presented a so-called debit card when paying the total amount. By communicating with a general processing unit such as a computer installed at the bank via a telephone line, the credit status can be checked, and the money can be automatically debited from the bank account.

In such prior art, each cash register communicates with the general processing unit via a telephone line every time a debit card is presented, which takes time for communication and calculations, and makes it difficult to process payments smoothly. Moreover, each time a debit card is presented, a telephone line is used, incurring communication costs.

Purpose An object of the present invention is to provide a processing method using a card that allows smooth and speedy processing.

Structure and Effects of the Invention The present invention provides a slave processing device including (a) means for reading recorded information on a card and a processing circuit that performs processing in response to a signal from the reading means; and (b) a memory. (C) a general processing device that communicates with the mask processing device; the mask processing device receives information related to card recording information from the processing circuit; The fd number related to the information is sent to the general processing device, which causes the general processing device to generate a response signal related to the card record information, and the mask processing device stores this response signal in the memory, and then In the slave processing device, when reading the information on the card using the reading means, the slave processing device reads the information stored in the memory corresponding to the information and performs processing. This is a processing method that uses cards.

According to ``Kidori,'' when a card such as a debit card is presented for the first time, the mask processing device 1a communicates with the general processing device, and receives six response signals from the general processing device related to the recorded information of the card. is stored in the memory of the mask processing device, and the answer stored in the memory is read out every time the card is presented thereafter, which reduces the number of communications with the bird batch processing device and Cheng. . Moreover, processing time can be shortened, processing can be performed smoothly and quickly, and communication costs with the general processing device Chojaku can be reduced.

Embodiment FIG. 1 is an overall system diagram of an embodiment of the present invention. At each sales floor outside the store, an electronic cash register 1 as a mask processing device and cash registers @2, 3, and 4 as slave processing devices are arranged. These cash registers 1 to 4 are commonly connected via a line 5. Each cash register 2, 3.

In step 4, the name of the product sold, the sales amount, etc. are transmitted to the cash register via line 5, and this cash register is sent to the cash register.
1 and 6, the name of the sold product and the sales error are registered, and so-called point-of-sale management processing is performed. Tanikinsen Registration@1 to 4 includes keyboards 6 to 9 for inputting sales item names and sales amounts, and reading means for reading recorded information on the debit card 10 when the debit card 10 is presented. 11 to 14, and displays 15 to 18 for displaying the names of sold products, sales amount, etc., respectively. These cash register machines 1 to 41d also have processing circuits 19 to 2 realized by microcomputers or the like.
2, and in response to signals from the reading means 11 to 14, arithmetic processing is performed on the name of the item and the amount sold by the holder of the presented debit card 10, and in particular, a processing circuit 19. performs point-of-sale management of the cash registers 1 to 4 as described above.

The cash register l also has a memory 23.

The cash register 1 is connected via a line 24 such as a telephone line to a general processing unit 25 implemented by a computer or the like installed in a bank. In order to verify the credit of the debit card 10 presented at the cash register Mal-4, the recorded information of the debit card 10 from the reading means 11-14 is given to the processing circuit 19 of the cash register machine 1. Processing circuit 19 provides this recorded information to general processing unit 25 via line 24 . As a result, the general processing device 25 performs credit verification of the debit card 10 and stores the result in the memory 23 provided in the cash register 1 via the line 24. In this memory 23, the names of products sold by the holder of the debit card 1O, the sales items, etc. are stored in correspondence with each other.

After the credit verification, when the debit card 10 is presented to the cash registers 1 to 4, the information regarding the credit verification stored in the memory 23 is read out, and sales processing is performed accordingly. Therefore, there is no communication with the general processing device 25 via the line 24,
It is possible to speed up the processing of sales and losses, and there is no need to increase the cost of communication (S) when the line 24 is a telephone line.

Referring to FIG. 2, the operation of the embodiment shown in FIG. 1 will be described in further detail. Moving from step n1 to step n2,
Debit card 1 presented at cash registers 1-4
0 is read by the reading means 11-14. step n
3, the recorded information of the debit card 10 read by the JIX processing means 11 to 14 is temporarily stored in the processing circuit 19 of the cash register 1. In step n4, it is analyzed whether information regarding credit verification of this debit card 10 is stored in the memory 23. When debit card 10 is presented for the first time, memory 23 has no information stored therein regarding debit card 10. Therefore, the process moves to step n5, and the processing unit wS19 transmits the recorded information to the general processing unit 25 via the line 24 in order to verify the credit of the debit card 10. In step n6, debit card 1
The account for which the holder of number 0 belongs is searched, the balance thereof is checked, and a comparison is made for A, and the result is sent to the processing circuit 19 through line 24 and stored in memory 23. When the debit card 10 is a defective card, such as when the account corresponding to the debit card 10 has no balance, the general processing device 25 issues an example number indicating this via the line 24. In step n7, when there is a balance in the account, the sales are processed using the keyboards 6 to 9 at the cash registers 1 to 4 to which the debit card IO is presented, within the limit amount. At step n8, the sales data of the cash registers 1 to 4 are stored in the memory 2.
3, it is stored in the area corresponding to the debit card 10.

In step n9, it is determined whether a predetermined time has elapsed since the time when the debit card 10 was presented, and if the time has not elapsed, the process proceeds to step n7. This predetermined time may be, for example, 3 hours, and is selected to be longer than the time the holder of debit card 1O stays at the sales floor where cash registers 1 to 4 are installed at a department store or the like. . When the debit card 10 is presented again at the cash registers 1 to 4 within that time, the process moves from step n 1 + n 2 + n 3 to n4. In this step n4, information regarding the debit car F10 in the memory 23 is retrieved.

When payment is possible using the debit card 10, the process moves to step n7 and sales processing is performed. In this manner, the total amount of sales generated by presenting the debit card 10 once or multiple times is updated and stored in the memory 23.

If it is determined in step n9 that a predetermined period of time has elapsed since the initial presentation of the debit card 10, the process moves to step n10, where the processing circuit 19 processes the information stored in the memory 23 related to the debit card IO. ,
It is transmitted to the general processing unit 25 via line 24. The general processing device 25 automatically debits the total amount of sales from the single or multiple presentation of the debit card 10 within the predetermined time period from the account of the holder of the debit card 10, and performs step n12. One process ends at .

FIG. 3 is an overall system diagram of another embodiment of the present invention.

This embodiment is similar to the previous embodiment and corresponding parts are provided with the same reference numerals. It should be noted that in this example,
In the money recording machine 1 as a mask processing device, the processing circuit 19a is connected via a line 26 to a processing device M27 including a microcomputer and the like. Processing device 27 is connected to line 24 . Money registration 11a1-4
The point-of-sale management process is performed by a processing circuit 19a provided in the cash machine 1. The processing device 27 transmits the recorded information of the debit card 10 from the processing time 1g19a upon presentation of the debit card 10 to the general processing device 25 via the line 26 to the line 24, and transmits the credit verification result to the general processing device 2.
5 via line 24 and stored in memory 23 via line 26 by the action of processing circuit 19a.

Furthermore, after the predetermined period of time has elapsed, the sales proceeds from the holder of the debit card 10 stored in the memory 23 are given to the processing unit 25 via the line 24 by the processing device 27 from the line 26, An automatic withdrawal will be made. Cash register machine 1- within the predetermined time
The processing operation of reading out the stored contents from the memory 23 by the second base 1 presentation of the debit card 10 to the debit card 4 is performed by the processing circuit 19a and/or the processing device 27VC.

According to the embodiment shown in FIG. 3, cash registers 1 to 4 that can perform point-of-sale management in the United States are
New memory 23 can be installed without major circuit changes.
The above operation is performed simply by adding the and processing device rows 27. Therefore, embodiments of the present invention can be carried out easily.

``Kikori'' is implemented not only to process debit card payments, but also to check the credit status of credit cards by the general processing device installed at the credit card office.
Read from 25 and store in memory 23? Then, the content of the credit card memory 23 may be read out after the credit card is presented, and the total amount of sales by the credit card may be registered in the general processing unit 1ff25 after a predetermined period of time has elapsed. The present invention can also be implemented in connection with other cards.

[Brief explanation of the drawing]

FIG. 1 is an overall system diagram of one example of the present invention, FIG. 2 is a flowchart for explaining the operation of the embodiment shown in FIG. It is a system diagram of the whole example. 1-4... Cash register, 10... Debit card, 1
9-22.19a...processing circuit, 23...memory,
25... General processing unit, 27... Place, Iif! Device agent Patent attorney Kei Nishi

Claims (1)

[Claims] A slave processing device including means for storing recorded information on a card and a processing circuit that performs processing in response to a signal from the reading means; The mask processing device includes a mask processing device that receives information related to card recorded information, and a general processing device that communicates with the mask processing device, and the mask processing device sends a signal related to the card recorded information from the processing circuit to the general processing device. This causes the general processing unit to generate a response signal related to the card recorded information, the mask processing unit stores this response signal in memory, and the slave processing unit then uses the reading means to read the card recorded information. A processing method using a card characterized in that each time a slave processing device reads the recorded information, the stored contents of the memory corresponding to the recorded information are read out and processed.