JPS60200365A - Ic card transaction system - Google Patents

Abstract

PURPOSE:To handle the cards of many credit companies just with a single transaction processor by store previously the specific data for specification of a transaction mode to a memory of an IC card. CONSTITUTION:Plural types of transaction procedure selection data are previously stored to a memory of an IC card serving as a credit card. That is, the data indicates a specific transaction procedure program to be executed among those programs of various types prepared by a card transaction processor. While the data read out of the IC card are recorded to a memory area m2 of the card transaction processor. Thus the transaction procedure selection data is previously stored to each card to specify a transaction processing mode. Therefore it is not needed for a memory of the processor to store said data. Thus it is possible to handle many cards of various credit companies with a single processor without increasing the storage capacity of the memory of the processor.

Description

DETAILED DESCRIPTION OF THE INVENTION Field of the Invention The present invention relates to an IC card transaction processing system, and more particularly to an IC card transaction processing system that processes transactions using, for example, an IC card formed with an integrated circuit.

Description of Prior Art Recently, with the spread of credit cards, card transaction processing devices that can process transactions using credit cards have been put into practical use. This car 1: transaction processing device is CAT
(credit authorization ter
It is called ``minal'' and is connected to the center online. This CA knife includes a card set section for reading recorded data on the card, as well as sales and pre-approval functions.

Keys are provided to specify transaction types such as inquiries and payment categories such as lump-sum payment, bonus payment, and 9 installments.When making a card transaction, the staff member places the customer's credit card in the card slot, and then presses the keys to complete the transaction. After specifying, for example, in the case of a bonus payment, the number of payments, the month of payment, each payment (amount of money, etc.) are inputted sequentially in the prescribed order, and the C transaction process is proceeded.

However, each credit company has a bonus payment9.
Regarding installment payments, etc., the range in which customers can choose the number of payments, payment month, and payment amount has been determined, and the options vary. Therefore, when handling credit cards from multiple credit companies with one CAL-, a data table containing data that specifies the transaction processing mode of each credit company is set in the CA T's memory.
It is conceivable that the data corresponding to the set credit card is successively retrieved from the data table and the corresponding transaction processing program is executed. Shigashii [Gara, CAT
has limited memory and cannot accommodate that many company data. Therefore, in order to increase the types of credit cards handled, it is necessary to provide multiple CATs, which is uneconomical.

OBJECTS OF THE INVENTION It is an object of the present invention to provide a card transaction processing system that allows a single card transaction processing device to handle cards from multiple credit companies.

Structure and Effects of the Invention To summarize, the present invention stores specific data for specifying the mode of transaction processing in the memory of an IC card in advance, and the card transaction processing device reads this specific data and prepares it in advance. A corresponding program is executed from among the programs that define a plurality of types of transaction processing modes.

According to this invention, there is no need for the card transaction processing device to store data for specifying the transaction processing mode for each credit company, so one card transaction processing device can process cards from many credit companies. I can handle it. Therefore, there is no need to provide a plurality of card transaction processing devices as in the past, which is very economical.

The present invention will be explained in more detail below along with embodiments shown in the drawings.

DESCRIPTION OF EMBODIMENTS FIG. 1 is an overall perspective view of a card transaction processing device used in an embodiment of the present invention. In the figure, the card transaction processing device includes a display 3 that displays operation guide characters and key manual data in the center of the top surface of the main body 1, a slip output port 2 at the top,
Keyboard 4 with a numeric keypad, transaction designation keys, etc. at the bottom
, a card set section 5 is provided at one end.

The card setting section 5 has a groove into which a credit card (an IC card is used in the present invention) is inserted, and a card reader is disposed in this groove to read the data stored on the card. In addition, as shown in Figure 2, the keyboard 4 has sales information.

Specify transaction types such as pre-approval, cancellation/return, inquiry, etc.
ζth transaction-1--41, lump sum payment per sales43,
In addition to a payment key 42 for specifying payment methods such as bonus payment 441 and installment payment 45, a numeric keypad 48 for manually inputting code numbers, amounts, etc., various keys such as an end/execution key 49 and a setting key 50 are provided. It is deployed.

A customer operation section 6 equipped with a numeric display and a numeric keypad is connected to this card transaction processing device, and the card user operates the numeric keypad as necessary to input a personal identification number.

FIG. 3 is a diagram showing the circuit configuration of the card transaction processing device. In the figure, CPU (Central pr.

cessingUnit) 11 is ROM (Re
RAM (Random Access)
ss Memory) 13, as well as writing and reading data to and from the display 3. Printer 15. Keyboard 4. Card reader 14. It controls each input/output operation of the transmission control section 16 that transmits and receives information between the center device 17 and the center device 17 .

FIG. 4 is an illustrative diagram showing a part of the storage area of RΔM13 shown in FIG. In the figure, a memory area l111 stores various data inputted from the keyboard 4 or the customer operation unit 6 (product code, price, tax amount, shipping fee, etc.). Data read from a credit card inserted into the card setting unit 5 is stored in the memory area m2.

FIG. 5 is a diagram showing details s1 of the memory area m2. As illustrated, the memory area 1112 stores transaction procedure selection data, which is an example of specific data for specifying the mode of transaction processing. In the memory 1 rear m2, card record data such as company code, password, membership number, expiration date, etc. are stored.

In this embodiment, a so-called IC card is used as a credit card. As is well known, an IC card is a card in which an integrated circuit is integrally formed. Into the integrated circuit, at least one computer consisting of a CPU and a memory is incorporated. FIG. 6 is a diagram showing data stored in the memory of the IC card. As shown in the figure, transaction procedure selection data, which is an example of the specific data, is stored in the memory of the IC card. These transaction procedure selection data are data indicating which program is to be executed among a plurality of types of transaction procedure programs prepared in the card transaction processing device r. Although not shown in FIG. 6, the IC card also stores various information such as a company code, IO identification number, membership number, and expiration date.

FIG. 7 is a flowchart showing the operation of the CPU 11 in card transaction processing. The operation of the above embodiment will be described below with reference to FIG.

First, when the clerk presses the sales key of the business keys 41 in step 51 of FIG. 7, the determination in step 52 is rYEs.
J, and the process proceeds to step 53.

When the credit card is set in the card setting section 5 in step 53, the card record data is read by the card reader 14, and the read data is set in the memory area m2 (see FIG. 4) of the RAM 2S. Furthermore, enter the product code using the numeric keypad 48.

Enter the amount, tax, and shipping fee manually (Steps 54 to 56)
), these key manual data are stored in the memory area m1 of the RAM 13. Next, in step 57, one of the payment keys 42, such as lump sum payment, one installment payment, or bonus payment, is pressed.

Now, if the staff member presses the batch key 43, the determination at step 58 is rYEsJ, and at the next step 59 the staff member presses the execution key 49, and then inputs the password manually at step 60, the CPU 11 reads the card. After editing the message based on the data and the key person data, the message is sent to the credit company's rental device 17 via the transmission control unit 16.
A message is sent to (step 61). After checking the received message, the center device 17 sends data including the transaction approval message to the transaction processing device on the terminal side. When the data from the terminal rental device 17 is accepted, the bulk sales data is printed on the slip by the printer 15 in step 62.

On the other hand, when the clerk presses the bonus key 44 in step 57, the determination in step 58 becomes [NOj, the determination in the screen 63 becomes rYEsJ, and the process proceeds to step 64. In step 64, the memory area m of the RAM 13 is
Among the cart record data stored in 2, bonus transaction procedure selection data (see FIG. 5) is read out. and,
All read bonus transaction procedure selection data is program A
If the data is related to rY, the determination in step 65 is rY
The process becomes ESJ, and the process proceeds to step 59. The processing procedure related to this program Δ corresponds to the case where the bonus month, number of bonuses, and amount are fixed by the credit company, and there is no room for selection.

However, if the read bonus transaction procedure selection data is data related to program B, only the number of bonus payments is included in the customer's selection.

In this case, the determination at step 65 is rNOJ, the determination at step 66 is rYESJ, and the process proceeds to step 67, where a guide character is displayed on the display 3 to the effect that the number of bonus payments should be entered manually. Then, in step 68, the clerk selects the number of payments, and in step 69, presses the setting key 50 to proceed to the steps from step 59 onwards.

On the other hand, if the read bonus transaction procedure selection data is data related to program C, only the bonus payment month is left to the customer's selection. In this case, step 65
．． The determination at step 66 is rNOJ, and the determination at step 70 is rYE.
sJ, and in the next step 71, a message indicating that the bonus payment month should be manually selected is displayed. and,
The staff enters the bonus month in step 72, and then presses the setting key 50 in step 73 to set the Stella 1.
59 Proceed to the following steps.

Further, if the read bonus transaction procedure selection data is data related to program D, the number of bonus payments and the payment month are left to the customer's selection. In this case, the determinations in steps 65, 66, and 70 are "NO", and the determination in step 74 is "YESJ", and the process proceeds to step 75, where a message appears on the display 3 to the effect that the number of bonus payments should be manually determined. It will be done. Then, when the clerk inputs the number of payments manually in step 76 and presses the setting key 50 in step 77, a message is displayed on the display 3 in step 78 to the effect that the payment month should be input manually.

When the clerk enters the first payment month in step 79 and presses the setting key in step 80, the process proceeds to step 81, where it is determined whether the payment month corresponding to the number of payments has been set. Assuming that the number of bonus payments is two payments in June and December, only June is set as the current payment month, and the determination in step 81 is rNOJ, and the process proceeds to step 78. , a message will appear asking you to key in the month of payment again. Then, when the clerk manually inputs the payment month "12" in step 79 and presses the setting key in step 80, the operation for the set number of times is completed, the determination in step 81 becomes rYEsJ, and the process moves to steps 59 and subsequent steps. .

Further, when the read bonus transaction procedure selection data is applied to program E, the number of bonus payments, payment month, and payment amount are left to the customer's selection. In this case, the determination in steps 65.66°70.74 is rNOJ
Then, the determination in step 82 becomes rYEsJ, and the process proceeds to step 83, where a message is displayed on the display 3 to the effect that the number of bonus payments should be entered manually. Then, when the clerk manually enters the number of payments at step 84 and presses the set key at step 85, a display is displayed at step 86 to the effect that the month of payment should be entered manually. Then, in step 87, the clerk enters the payment month and presses the set key in step 88. Then, in step 89, a message indicating that the payment amount should be entered is displayed. Similarly, when the clerk manually enters the payment amount in step 90 and presses the setting key in step 91, the process proceeds to step 92, where it is determined whether the payment month and payment amount corresponding to the number of payments have been set. For example, if the number of bonus payments is 2 payments of 10,000 yen in June and 20,000 yen in December,
Now, the payment month June and the payment amount 10,000 yen have been set, and the determination in step 92 is rNOJ, and the process returns to step 86, whereupon the setting operation for "December" and "20,000 yen" is started. Then, upon completion of the setting operation, step 9
When the determination in step 2 is rYEsJ, the process simultaneously proceeds to step 59 and subsequent steps.

Note that when the division key 45 is pressed in step 57, the determination in step 63 is rNOJ, the determination in step 93 is rYEsJ, and in step 94, key manual processing such as the number of C divisions and the amount of division is executed. In this step 94 as well, the split transaction procedure selection data is read out from the memory area m2, and a processing program corresponding to the read data is executed, as in steps 64 to 92 described above.

Further, when the revolving key 46 is pressed, the determination in step 63.93 is "NO", the determination in step 95 is rYEsJ, and the process advances to step 96, where processing corresponding to the revolving transaction is executed. Furthermore, when the bonus combination key 47 is pressed, steps 63 and 9
3. If the determination in step 95 is "NO" and the determination in step 97 is "YESJ", the process advances to step 98, and the process corresponding to the bonus (71 payment) is executed. Similarly to step 94 described above, the revolving transaction procedure selection data and the bonus 01 transaction procedure selection data are read from the memory area m2, and the processing program corresponding to the read data is executed.

As described above, according to the above-described embodiment, since the transaction procedure selection data for specifying the transaction processing mode is stored in each credit card, the RAM 13 of the card transaction processing device
There is no need to store transaction procedure selection data for each credit company.

Therefore, without increasing the storage capacity of RAM 13,
You can increase the types of credit cards you handle.

In addition, in the above-mentioned embodiment, 4 is used as the transaction procedure selection data.
Although scale data has been described, more types of transaction procedure selection data are usually required. Therefore, with a credit card equipped with only a magnetic stripe like a conventional credit card, it is almost impossible to store all transaction procedure selection data. Therefore, in the present invention, an IC card is used which has a larger twist than conventional magnetic cards.

[Brief explanation of drawings]

FIG. 1 is an external perspective view of a card transaction processing device used in an embodiment of the present invention. FIG. 2 is a key arrangement diagram of the J keyboard 4 shown in FIG. 1. FIG. 3 is a block diagram showing an electric circuit portion of the card transaction processing device shown in FIG. 1. Figure 4 shows the storage area of the RAM 13 shown in Figure 3.
It is a diagram. FIG. 5 is a diagram showing a more detailed configuration of the J memory area m2 shown in FIG. 4. FIG. 6 is a diagram showing the contents of data stored in a credit card used in an embodiment of the present invention. FIG. 7 is a flow chart that does not show the operation of the CPU 11 in card transaction processing. In the figure, 4 is a keyboard, 5 is a card set section, 1
1 is a CPU, 12 is a ROM 113, and RAM 114 is a card reader. Heart 2 Diagram 3

Claims (1)

[Claims] An IC card transaction processing system comprising an IC card and a card transaction processing device that performs transaction processing using the IC card, wherein the IC card includes a The card transaction processing device includes a memory for storing specific data, and includes: means for reading the specific data from the memory of the IC card; and a plurality of P1. (An IC card transaction processing system comprising means for executing a program corresponding to the specific data read by the reading means from among the programs that define the transaction processing mode of 'i.