JPS60189073A - Control system for credit investigation - Google Patents

Abstract

PURPOSE:To shorten a credit load period in transaction by providing a card reader in a sales floor in addition to a card reader that POS terminal equipment is equipped with, and allowing a customer to makes a credit check previously. CONSTITUTION:A store 1 is connected to a system center 3 and credit data on customers are stored in a file 4. Card readers 11-13 are provided on the sales floor of the store 1 in addition to the card reader 10 connected to the POS terminal equipment 7. A customer entering the sales floor inserts a credit card 8 into one of the card readers 11-13 and a controller 9 sends read data to the center 13 through a transmission/reception part 14 to make a credit check, so that check data is stored in a file 16. The customer after the credit check brings desired articles to the terminal equipment 7 and inserts the card 8 into the card reader 10 to read the card. Its data is collated with the check data in the file 16 and a credit transaction with the customer is carried out when the result of collation is acceptable.

Description

[Detailed Description of the Invention] ta+ Technical Field of the Invention The present invention is a credit side dish for checking a customer's credit balance at the time of a transaction using a credit card at a mass retailer or the like! Ti! Regarding I control method.

(bl) Prior art and problems When a customer pays with a credit card at a mass retailer, etc., the customer's balance of 1g is delivered to the cash register center (or system center) in time. In order to resist, the customers who have registered their names will be sent to the center for inspection.At mass retailers, etc., customers will be asked to sing songs that are concentrated during special hours. However, in the conventional method of performing a 4G check at the time of product transaction, during busy periods, each row group of people waiting for a transaction is
There were major drawbacks.

(C1 Purpose of the Invention The present invention was made to solve the above-mentioned drawbacks,
The purpose is to provide both a 1=A meal system that improves credit check efficiency.

(d+ Structure of the Invention The present invention provides a transaction device including a card reader, a center having a file in which customer's input/input information is stored, and a center having a file in which customer's input/input information is stored. A second card reading device checks the information based on the transaction information of the center and reports the failure of the transaction. , a means for sending customer information to the center by the second card reading device, and a means for sending the customer information to the center;
'', the check information is stored in the transaction device, and the customer reads the card into the second card reading device and sends the obtained customer information to the center. Send and retrieve the customer information from the center.1. 6I
After storing the check information in the above-mentioned Hself@ Department, when the customer's customer information is entered manually from the transaction device, a credit check is performed on the customer information based on the check information in the JK Department. This is a side food control method that uses special ingredients. As described above, the present invention provides that, in addition to the card reading device installed in the P08 terminal, there is also a separate card reading device installed in the sales floor. By performing a 4B check in advance using this method, the short axis of the credit payment curve at the time of transaction can be minimized.

(cl Invention Central 71III 1) The present sailing will be explained below by sections.The drawing is a block diagram illustrating one embodiment of the invention.

The store 1 in the drawing has not been introduced to the system center 3 due to an error 2. The system center 3 has a file 4, and this file 4 contains customer credit data (credit data).
1 word balance) B is the stored stone.

Moreover, this system center 3 is connected to the credit center 6 by 4 tons by the U line 5, and it is convenient to transfer detailed information from the customer 1 to the credit center 6. 6
PP
In addition to the card reader 1O, which is shortened to the S terminal (hereinafter referred to as Fy1) 7, nine card readers 11 to 13 are provided. A customer who arrives at Sales @ first inserts his or her credit card (hereinafter referred to as Cart Togebu) 8 into the card reader 1.
1-13-10] Insert it into someone and have it read. Control device 98; Cs read data (account number etc.)
data N=J', time and other data D are added, and the transmitter/receiver 1
Send to 4. The sending/receiving unit 14 sends this data A and the data to the center 3 via the request line 2. The host computer 15 generates data A based on data B of file 4.
9. After the check is completed, the host computer 15 checks the check data for each of the shoulders 1 (IJ, etc. with 1 credit remaining).
Send 1-ro to turn 1!2. The check data C that has been subjected to four IFjs by the transmitter/receiver 14 is stored in the file J6. 11 who came to store 1 through this Yotsug
4+1 customers use card readers 11 to 11 before selecting items.
13I took the Kunjit card/,). This will cause the customer's credit check to be performed immediately.File 16
1) The check data (is paid instantly).

The customer who has passed the credit check in advance brings the item to be purchased to the terminal 7.

The customer or staff member will be using the car 1'8Y cart.
The reader 10 read the money and the account number that was taken -> 3
Data A such as the following is sent to the control section ■7. Control unit 17 interprets the same boutique data C in file 16, and if it is OK, sends the transaction ``f valley a''' to terminal 7. The credit check information (check data C) regarding the customer who visited the store as described above is stored in advance in the file 16, so when the customer actually makes a credit card payment for the purchased item, center for credit check.
This eliminates the need for time for fu1 to have sex. In addition, instead of having to take 1 card, 8 carts, and 10 cards at the time of transaction,
Terminal 70 Input key K to data such as account number A'4 Manual input is also possible.

(fl) Effects of the Invention As described above, the present invention has the following advantages: 1. It can significantly improve the sales effectiveness of credit cards at retail outlets

[Brief explanation of the drawing]

The drawing is a block diagram illustrating an embodiment of the present invention,
The symbols used in the figure are as follows. l is the vendor, 2I5 is the line, 3 is the system center, 4
．． 16 is the file, 6 is the crescent center, 7 is the P
OS, Ri device, 8 is credit card, 9 is control f11 device, 10, 11, 12.13 is cart reader,
14 is a transmitting/receiving unit 4B, 15 is a host computer, 17 is a control unit, data is entered, B is credit data, (is check data, G is 11/1g number, and K is an input key number.

Claims (1)

[Claims] A transaction device having a cart reader is connected to a center that receives a file in which the customer's credit card information is 4Yi +tf4. Check the credit information of
In each transaction system, the second card reading device and the second power A means for transmitting the information to the center and a means for storing the check information related to the customer information are provided in the storage device for storing the check information related to the customer information, and the customer sends the card Z to the second card collecting device. After reading the obtained customer information into the oil record center and storing the U delivery check report sent from Nanatsuta regarding the customer information in the above 6 parts, collect the cough customer's III + various information. When inputted manually from the transaction device, the food system side 1 executes a credit check based on the customer information q& in the storage unit.
method.