JPS59223882A - Credit dealing processor - Google Patents

Abstract

PURPOSE:To improve the using efficiency of a circuit by transmitting the data on a dealing whose amount is smaller than a reference level until fixed circuit connection time is elapsed when the data on a dealing whose amount is larger than the reference level is instantaneously transmitted. CONSTITUTION:When a dealing amount is larger than a reference level, a timepiece mechanism 9 is started and the automatic dialing is carried out to the corresponding credit card company with reference to a register memory 7. At the same time, the dealing data is transmitted to the center side in accordance with a transmission telegram format. Then an answer telegram is received from the center side in response to a reception telegram format. A dealing form is produced based on the answer telegram. Here the hitherto processing time is stored temporarily, and the circuit connection time to the credit card company is read out of the memory 7 in case the dealing amount is smaller than the reference level. This dealing data is transmitted until a prescribed circuit connection time elapses.

Description

DETAILED DESCRIPTION OF THE INVENTION fal Technical Field This invention relates to a credit transaction processing device that processes credit card transactions using a telephone line network.

(bl Prior Art and Its Disadvantages Fresin 1 - In transactions where a credit or debt relationship occurs between a member store under contract with a credit card company and a customer, if the payment method is by credit card, telephone lines are generally used. A credit transaction processing device (hereinafter referred to as CATS) that instantly transmits transaction details to a credit card issuer.
That's what it means. ) is used to send transaction details. However, this data transmission by CATS is
Since transactions are carried out using subscriber telephone lines, line costs (telephone charges) are charged each time a transaction occurs. For this reason, conventional C
A T S- (If the transaction amount is less than the standard amount, the transaction data at that time will be individually stored temporarily, and the transaction details will be sent in bulk at 7J” + 1); Memorized transaction data was sent in bulk to the receiving side.

However, in the above method, a large amount of data is sent from each member store to the receiving center at one time all year round, which requires a large amount of line capacity on the center side. There were many cases in which the network was blocked and connection could not be made, and the concentration rate during the busiest hour increased, making it difficult to send data in bulk.

(f) Purpose of the Invention The purpose of the present invention is to reduce the line costs during transaction processing and to provide a system that prevents traffic at a center from concentrating at a single time. .

(Structure and effect of di invention) This invention can be summarized as follows:
．． a reference amount storage means for storing a transaction amount by a credit card; a transaction data temporary storage means for individually temporarily storing transaction data when the transaction amount is greater than or equal to the reference amount; In this case, 1) a means for immediately transmitting the transaction data to the i5 center side, and a line connection time storage means for recording a predetermined line connection time when immediately transmitting the transaction data to the center side; After immediately transmitting to the center side, the transaction data recorded in 1.7 in the transaction data temporary storage means is transmitted to the center side until the line connection time stored in the line connection time storage means elapses. If the transaction data is to be sent immediately (if the transaction amount is equal to or greater than the standard amount), the transaction data will be temporarily stored in the transaction data storage means until the predetermined line connection time elapses after the immediate transmission. The transaction data (transaction data when the transaction amount is standard amount 1IYi) is sent to the center side.

According to this invention, transaction data for which the transaction amount is less than the standard amount is not sent all at once when a batch transmission instruction is issued, but after immediate transmission, if there is free line connection time, it is also transmitted during that time. Therefore, it is possible to prevent CATS from occupying the center for a long time without transmitting transaction data to the center all at once. Therefore, there is no need to increase the line capacity on the center side, and it is also possible to prevent the situation where the line is blocked and connection cannot be made when sending bulk data from one store to the center. .

:t: 1. The operating cost of the system can be reduced by setting the two-line connection time as the basic charge time for telephone charges. For example, if data transmission from a member store to the center can be done using a local call line, line connection +1; 5
If t 1 + 41 is set for 7 minutes in 3 minutes, if the 110 interval required for one transaction data is 1 minute, then after immediate transmission - special mention (, f transaction data stored in means It is possible to send a two-digit argument, and in that case, the call charge will be -.

(El Embodiment U) 11-1 is an embodiment of the present invention, and is a block diagram showing the control section of CATS, and FIG. 2 is a keyboard L4 of the control section.
FIG. 2 is a diagram showing a key arrangement.

In Fig. 1, the CPU includes a keyboard 4, which will be described later, a card reader 5, which reads transaction data recorded on a credit card, a PIN pad 6, which is used to remotely enter a PIN number, and a message transaction amount necessary for transaction processing. A display device 2 that displays information such as information, a printer 3 that issues a journal printout of transaction details after the transaction is completed, and a ROM that stores programs.
and a memory 7 consisting of a RAM including a standard amount storage area and a transaction data temporary storage area, which will be described later, and a transmission unit 8 for transmitting data to and from a center (not shown).
and a clock mechanism 9 for managing transmission time.

As shown in Fig. 2, the keyboard 4 includes a key 2a which is operated when inputting numeric data, an end/execution key 2b which is operated when inputting the transaction amount, etc., and a temporary storage of transaction data, which will be described later. Batch transmission key 2c operated when bulk transmitting transaction data temporarily stored in the device
, numeric keypad 2d, payment category key 2e to specify the payment category
and a business key 2f for specifying the business content.

FIG. 3 is a diagram showing a reference amount entry area and a line connection time storage area allocated to each credit card issuing company 21 in the RAM area of the memory 7. In this example, n credit card issuing companies are registered. For example, the credit/7 card registered in area Nl (hereinafter referred to as area Ni) (the issuing company shows that its company code is r9660J and the phone number is r034542681-1) It also shows that the base !1ξ amount determined with the same company is 10,000 yen, and that the line connection time TP for holding the line when transmitting transaction data is 3 minutes. The standard amount refers to the standard for deciding whether to immediately send the transaction amount to the center or temporarily store it in the transaction data temporary storage 1.a means described later and send it all at once to the center later. When the transaction amount is equal to or more than the semi-amount, it is immediately transmitted, and when it is less than J,% the semi-amount, it is temporarily stored in the transaction data temporary storage means.

FIG. 4 is a diagram showing the human data storage area allocated to the RAM area of the memory 7. The area INl (hereinafter referred to simply as INi) has processing code 1.
: is memorized. The processing code is a key that distinguishes which key of the business keys 2f has been operated. Card information read by the cart reader 5 is stored in IN2. Further, I N 3 c:: stores the password input from the p+N pad 6, the product code and sales amount input from the numeric keypad 2d.

FIG. 5 is a diagram showing a transaction data temporary storage area (hereinafter referred to as storage memory) allocated to the RAM area of the memory 7. This tanking memory is area Ml
(Hereinafter, the area Mi is referred to as Mi.) It is composed of blocks with a total amount of ~Mm, and depending on the operation procedure described later, the sales amount (transaction amount) or the issuer of the credit car I used at that time can be calculated. When the standard amount floor agreed upon between the parties is reached, the transaction data at that time is temporarily stored in an empty block along with the transaction data. The transaction data includes the processing code, card Seiwa, and the input data shown in Figure 4.
Consists of product code 1 and sales amount, card 1h (・
μ contains the number of the cart issuing company that issued the credit card.

(Figure 1 is a diagram that does not show the format of the transmitted message when transmitting transaction data to the center. Also, Figure 7 is a diagram showing the format of the received message from the center.As shown in the figure, CAT' The message sent from S to the center matches the transaction data, and the message received from the center includes the membership number of the cardholder, the total sales amount up to that time, and the print data for the printer 3° display 2. Contains display data.

Next, the transaction processing operation of CATS consisting of the above configuration is explained in the eighth section.
This will be explained with reference to flowchart 1 in the figure.

First, when any of the business keys 2f is pressed in step nl (hereinafter, step ni is simply referred to as ni), the card reader 5 reads the Fresino 1 card. At this time, card data is stored in IN2 shown in FIG. Next, the product code and sales amount (transaction amount) are input using the numeric keypad 2d (n3, n4
), and PIN Baso! ” [i LThus, when a customer enters a PIN number (n5), the INI shown in Figure 4 is displayed.
~The data entered in each IN3 is stored, and the data is used to determine whether the PIN numbers match (n6゜n7).If the PIN numbers do not match, the system prompts you to enter the PIN code. n8) If the number of mismatches occurs three times in a row, error handling is performed. When the passwords match, the operator presses the end/execution key 2b (n9) and continues.
At n10, write 1 in IN3 shown in FIG. Compare the registered sales amount (transaction amount) with the standard amount corresponding to the issuing company of the credit card used at that time (nlo), and if the sales amount is the standard amount floor lSJ, the Kunking Memory M The transaction data at that time is temporarily stored in the empty block (nil). Furthermore, without transmitting transaction data to the center, the printer 3 is driven to create a sales slip (n12) and the process ends.

On the other hand, when the sales amount (transaction amount) is less than the standard amount, the clock mechanism 9 (see Figure 1) is activated, and the registration memory N (see Figure 3) is referred to and the corresponding credit/node card issuing company is notified. Along with performing automatic Google (n1
3) Transmit transaction data to the center side by transmission message 7I~ (not shown in FIG. 6) (n14). When a response message is received from the center using the received message format A shown in FIG. 7 (n15), the printer 3 is driven according to the contents of the received message to create C sell, i, l ¥ (n16).

After completing the processing from n13 to 111G described in -1-, the work area (not shown in the figure) allocated to the memory 70) RAM area is filled with vl- from nl3 to n16. The processing time TI is temporarily stored.

If there is unsent transaction data in the Kunking memory M, in step n18, the line connection time TP corresponding to the credit card issuing company is read from the registration memory N, and the value TP and the processing time T1 are combined. The difference between O
X;), determine whether it is above. Also at this time n
The 1 o'clock mechanism 9 is activated and the subsequent processing time is set to 11 o'clock again. In nlB, if the line connection time TP is greater than the processing time TI, which is vl- increased from n13 to n and 16, the process proceeds to n1B-"n19, and in n17, the determined unsent transaction data is sent to the center. Send.

At this time, if a plurality of blocks exist for the same credit card issuing company, the block with the smallest number and month is selected. When the transmission of one transaction data from the tanking memory M is completed, the response data should be received from the center side.n20)
, print the transmitted transaction data on the slip (n21.
)Return to r117. Then, the processing time Tl' measured by the clock mechanism 9 from n18 to n21 is newly stored in the work area where the processing time TI has been stored, and in n17 there is more unsent transaction data. In some cases, the processing time] 1' is compared with the remaining time (n18), and if the difference is 0 or more, the process of transmitting unsent transaction data is performed again in n19 to n21. In this way, when there is no untransmitted transaction data in the tanking memory M, or when the remaining time becomes 0, the line is disconnected (n22) and the process ends.

As a result of the above operations, if the sales amount (based on the small transaction amount! The rest of the ``intercostal odor''
C1: If there is untransmitted transaction data for the same credit card issuing company, the transaction data can be transmitted until the remaining time reaches O. Therefore, when the bulk transmission key 2c is operated, since there is not so much untransmitted transaction data stored in the tanking memory M, the line connection time when performing bulk transmission (7J) is shortened, and the center traffic It is possible to prevent the amount from being concentrated at one time, and to reduce the operating cost of the system as a whole.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing a control section of CATS which is an embodiment of the present invention, and FIG. 2 is a diagram showing a key arrangement of a keyboard 4 of the control section. In addition, Figure 3 shows the standard amount recording area assigned to each credit card issuer,
Configuration diagram of registration memory including line connection time storage area, No. 4
The figure shows the input data storage areas i and O, and FIG. 5 shows the transaction data temporary storage area (tanking memory). Moreover, FIG. 6 shows the transmission message formant, and 71ff
J indicates received message hook 1-. Further, FIG. 8 is a flowchart showing the transaction processing operation of the CΔTS. Applicant Tateishi Electric Co., Ltd. Agent Patent Attorney Hisao Komori]

Claims (1)

[Claims] (1) In a device for transmitting transaction data made using a credit card to a center of a card company that issued the credit card through a telephone line, a standard amount storage means for storing a predetermined standard amount; 1. Temporary storage of transaction data to temporarily store individual transaction data when the transaction amount when making a transaction with a credit card is less than the above-mentioned standard amount.1. means for immediately transmitting the transaction data to the center side if the transaction amount when the transaction is made using the credit card is equal to or higher than the reference amount; a line connection time storage means for storing a line connection time; and a line connection recorded in the line connection time storage means for immediately transmitting transaction data stored in the transaction database temporary storage means to the center. A credit transaction processing device comprising means for transmitting information to the center side until a time elapses.