JPS59174972A - カ−ド認証機 - Google Patents

カ−ド認証機

Info

Publication number
JPS59174972A
JPS59174972A JP58049575A JP4957583A JPS59174972A JP S59174972 A JPS59174972 A JP S59174972A JP 58049575 A JP58049575 A JP 58049575A JP 4957583 A JP4957583 A JP 4957583A JP S59174972 A JPS59174972 A JP S59174972A
Authority
JP
Japan
Prior art keywords
card
telephone
company
card company
telephone number
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
JP58049575A
Other languages
English (en)
Other versions
JPH0430631B2 (ja
Inventor
Kiyoshi Masuda
清 増田
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Omron Corp
Original Assignee
Tateisi Electronics Co
Omron Tateisi Electronics Co
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Tateisi Electronics Co, Omron Tateisi Electronics Co filed Critical Tateisi Electronics Co
Priority to JP58049575A priority Critical patent/JPS59174972A/ja
Priority to US06/592,979 priority patent/US4587379A/en
Priority to EP84103242A priority patent/EP0123149A3/en
Publication of JPS59174972A publication Critical patent/JPS59174972A/ja
Publication of JPH0430631B2 publication Critical patent/JPH0430631B2/ja
Granted legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks

Abstract

(57)【要約】本公報は電子出願前の出願データであるた
め要約のデータは記録されません。

Description

【発明の詳細な説明】 〈発明の技術分野〉 本発明は、カード取引加盟店に股部され、センタ装置と
の交信に基づき、クレジットカードを認証して、カード
による各種取引処理を実行するカード認証機に関する。
〈発明の背景〉 近年クレジットカードを用いた取引処理を合理化するた
め、カード取引加盟店にカード認証機を設置し、カード
認証機と各カード会社のセンタ装置とを電話回線で接続
して、カード取引処理データを伝送するカード取引処理
システムが開発された。この種カード取引処理システム
にお−いて、店舗側では、取引の都度、利用客との取引
の可否を判断する必要があるが、例えば取引金額が一定
の限度額を若干越えるような場合等、取引可否判断に迷
うことがある。かかる場合、店舗の係員がカード会社の
オペレータ（相談員）を電話で呼び出して問合せを行な
い、最終的にオペレータが取引の可否を決定することと
している。
このため店舗では、問合せの都度、対応するカード会社
のオペレータ専用電話番号を調べる必要があり、操作が
煩雑となり、取引処理能率を低下させる原因となる。
〈発明の目的〉− 本発明は、各カード会社のオペレータに自動ダイヤルか
可能なカード認証機を提案することにより、取引操作の
煩雑さをなくし、取引処理効率を大幅に向上させること
を目的とする。
〈発明の構成および効果〉 上記目的を達成するため、本発明では、記憶手段に各カ
ード会社のオペレータ専用電話番号を予め格納しておき
、取引可否判断に迷うとき、キー操作等によりカード会
社を指定し且つオペレータとの通話要求を行なうことに
より、制御装置が記憶手段から対応するカード会社のオ
ペレータ専用電話番号を読み出して自動ダイヤル装置を
作動させ、電話回線を自動的に選択接続するよう構成し
た。
本発明によれば、カード会社毎にオペレータ専用電話番
号を調べてタイヤル操作する等の必要かないから、係員
の手間が軽減さ−れ、店舗側の取引処理効率を大幅に向
上できる等、発明目的を達成した優れた効果を奏する第
１図はカード取引加盟店に設置されるカード認証機を示
す。図示例のカード認証機は、器体１の上面に表示器２
、キーボード３およびカードセット部４が設けてあり、
器体１の一側にはカード会社のオペレータ等と通話する
ための受話器５が配備しである。
カードセット部４は、クレジットカードを挿入して摺動
させる溝を備え、この溝中にカードリーダの読取りヘッ
ドを配備して、会社コード、会員番号、暗証番号、有効
期限等のカード記録データを読み取る。またキーボード
３には、第２図に示す如く、カード会社（Ａ会社、Ｂ会
社、・・曲）を指定するための会社指定キー６、番号や
金額等をキーへカするためのテンキー７、カード会社の
オペレータへ自動ダイヤルするための通話キー８等が配
備されている。
第３図はカード認証機の回路構成例を示す。
図中、１制御装置９は、ＣＰ　Ｕ　（ＣｅｎｔｒａｌＰ
ｒｏｃｅｓｓｉｎｇ　　Ｕｎｉｔ　）、ＲＯＭ　（Ｒｅ
ａｄ　　０ｎｌｙ　　Ｍｅｍｏｒｙ）、ＲＡ　Ｍ　（Ｒ
ａｎｄｃｍ　Ａｃｃｅｓｓ　’　Ｍｅｒｎｏｒｙ　）等
を含むコンピュータ回路により構成され、ＲＯＭ　　に
格納されたプログラムに基づき、ＲＡＭに対するデータ
の書込みや読出し、更には電話番号メモ’Ｊｌ”０．１
１からのデータの読出しを実行すると共に、キーボード
３、通話キー８および、自動ダイヤル装置１２の各入出
力動作を制御する。前記一方の電話番号メモリ１０には
、第４図（１）に示す如く、各カード会社の電話番号が
格納され、また他方の電話番号メモリ１１には、第４図
（２）に示す如く、各カード会′社につきオペレータの
専用電話番号が格納されており、自動ダイヤル装置１２
はこれら電話番号に基づき各カード会社のセンタ装置１
３若しくはオペレータ専用電話１４との間の電話回線ａ
、ｂを自動的に選択接続する。
第５図は前記制御装置°９の制御フローを示し、ステッ
プ２１てクレジットカードのセット操作、ステップ２２
で金額のキー人力操作、ステップ２３で会社指定キー６
の指定操作があると、ステップ２４て電話番号メモリ１
０中の電話番号が検索され、つぎのステップ２５で指定
されたカード会社の電話番号が読み出される。ついでス
テップ２６において、読み出された電話番号に基つき自
動ダイヤル装置１２が作動し、対応するカード会社のセ
ンタ装置１３との間の電話回線ａが接続される。
これによりステップ２７の「ダイヤル接続完了か」の判
定が”ＹＥＳ”となり、っきのステップ２８で電話回線
ａを介してカード読取りデータおよびキー人力データが
センタ装置１３へ送信される。そしてつぎのステップ２
９てセンタ装置１３からの応答電文を受は取ると、ステ
ップ３０で受信電文の内容が表示器２に表示される。
今係員が取引の可否につき、カード会社（１４ｉ１へ間
合せする必要があると判断した場合には、通話キー８を
押操作する。これによりステップ３１の判定が’ＹＥＳ
’＝となり、っきの７テツブ３２で電話番号メモリ１１
の検索が行なわれ、ステップ３３で対応するカード会社
のオペレータ専用電話番号が読み出される。そしてステ
ップ３４において、読み出された電話番号に基づき自動
ダイヤル装置１２が作動し、オペレータ専用電話１４と
の間の電話回線すが接続される。これによりスフフッ３
５０判定がＹＥＳ″′となり、係員は受話器５を取って
、オペレータと取引の可否につき会話を行なう。
尚オペレータとの通話を要求する手段は、上記実施例の
通話キー８に限らず、例えば受話器５の支承部にフック
スイッチを設け、このフックスイッチのオン、オフ動作
に対応して自動ダイヤル装置１２の作動を制御する等、
送向：の装置１２の作動を制御する等、適宜の方式を採
択し得る。
【図面の簡単な説明】
第１図はカード認証機の斜面図、第２図はキー配置を示
すキーボードの平面図、第３図はカード認証機の回路構
成を示すブロック図、第４図＋１）　（２＋は電話番号
メモリのメモリ構成を示す説明図、第５図はカード認証
機の制御ω１作を示すフローチャートである。 ３・・・・・・キーボード　　Ｂ・・・・・・通話キー
９・・・−・・制御装置 １０．１１・・・・・・′覗話番号メモリ特許出願人　
　立石電機株式会社 碑／”ｉ７ 蒔ｊ−図

Claims (1)

    【特許請求の範囲】
  1. カード会社を指定する手段と、各カード会社のオペレー
    タとの通話要求指令を出す手段と、各カード会社につき
    オペレータ専用電話番号を格納する記憶手段と、各カー
    ド会社のオペレータ専用電話への電話回線を自動選択す
    る自動ダイヤル装置と、通話要求指令に基つき記憶手段
    から対応するカード会社のオペレータ専用電話番号を読
    み出して自動ダイヤル装置の作動を制御する制御装置と
    を具備して成るカード認証機。
JP58049575A 1983-03-24 1983-03-24 カ−ド認証機 Granted JPS59174972A (ja)

Priority Applications (3)

Application Number Priority Date Filing Date Title
JP58049575A JPS59174972A (ja) 1983-03-24 1983-03-24 カ−ド認証機
US06/592,979 US4587379A (en) 1983-03-24 1984-03-23 Card authenticating apparatus for card-based transaction processing system
EP84103242A EP0123149A3 (en) 1983-03-24 1984-03-23 Card authenticating apparatus for card-based transaction processing system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
JP58049575A JPS59174972A (ja) 1983-03-24 1983-03-24 カ−ド認証機

Publications (2)

Publication Number Publication Date
JPS59174972A true JPS59174972A (ja) 1984-10-03
JPH0430631B2 JPH0430631B2 (ja) 1992-05-22

Family

ID=12835005

Family Applications (1)

Application Number Title Priority Date Filing Date
JP58049575A Granted JPS59174972A (ja) 1983-03-24 1983-03-24 カ−ド認証機

Country Status (3)

Country Link
US (1) US4587379A (ja)
EP (1) EP0123149A3 (ja)
JP (1) JPS59174972A (ja)

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US4587379A (en) 1986-05-06
EP0123149A2 (en) 1984-10-31
EP0123149A3 (en) 1986-03-05
JPH0430631B2 (ja) 1992-05-22

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