JPS6112309B2 - - Google Patents

Description

[Detailed description of the invention] The present invention relates to a card terminal device.

Conventionally, a device for determining the validity of a credit card has been constructed as shown in FIG. In Figure 1, 1 is a card used for credit cards, bank cards, etc., 2 is a card reader 3 that reads the card number from the credit card 1, and a card that is a defective credit card that has problems such as theft, loss, or non-payment. The validity of the credit card 1 is verified by comparing the defective credit card file 4 in which the number has been written, the card number of the credit card 1 input from the card reader 3, and the card number of the defective credit card written in the defective credit card file 4. This card discriminating device includes a processing device 5 for discriminating, and a display device 6 for displaying the results of discrimination by the processing device 5.

In the conventional example configured in this way, when a customer brings a credit card 1 and inserts it into the card reader 3, the card number written on the credit card 1 is read out by the card reader 3, and the card number is read out by the processing device 5. Then, the card number of the credit card 1 is compared with the card number of the defective credit card written in the defective credit card file 4, and it is determined whether or not the credit card 1 is a defective credit card, and the result is displayed. displayed on the device 6. However, in such a card discriminating device 2, since the storage capacity of the defective credit card file 4 is small, it is not possible to write the card numbers of all defective credit cards, and it is possible that the card numbers are not written in the defective credit card file 4. Even if a defective credit card is used, there are disadvantages in that the use of the defective credit card cannot be prevented, and it is not possible to connect online between various branches.

Furthermore, FIG. 2 shows another conventional example, and the same reference numerals as in FIG. 1 indicate the same parts.
Further, 7 includes a card reader 3, a processing device 5, a display device 6, and a processing device that converts information codes sent from the processing device 5 into communication codes and outputs them, and converts input communication codes into information codes. This card terminal device consists of a communication control device 8 and a communication control device 8 that sends data to a branch office. 9 is a communication control device 8 of the card terminal device 7
This is a communication line that connects the communication control device (not shown) of the central processing unit (not shown) installed in the information center and the central processing unit has problems such as theft, loss, and insolvency. A defective credit card file (not shown) in which the card number of the defective credit card is written is connected.

In the conventional example configured in this way, when the customer inserts the credit card 1 brought into the card reader 3, the card number written on the credit card 1 is read out by the card reader 3, and the processing device 5 and the communication The card number of the credit card 1 is input to the central processing unit through the control device 8, the communication line 9, and the communication control device of the information center, and the central processing unit writes the card number of the credit card 1 and the defective credit card file. The card number of the defective credit card received is compared with the card number of the defective credit card, and it is further determined whether or not the credit card 1 is a defective credit card, and the result is sent to the communication control device, communication line 9, communication control device, and It is displayed on the display device 6 via the processing device 5. However, in such a card identification device, each time the credit card 1 is used, the credit card 1 is transferred from the branch to the information center.
Since the validity of the communication line 9 must be checked, the frequency of use of the communication line 9 increases and the fee for using the communication line 9 becomes expensive.

In order to eliminate the drawbacks of the conventional example, the present invention provides a conversion device that converts an m-digit card number into an n-digit card number (where m>n), and a conversion device that converts the m-digit card number into an n-digit card number. n digits from (m>n)
a first storage device that stores card numbers of all defective credit cards that have been converted into card numbers;
A second storage device that stores the card numbers of some defective credit cards as m digits is provided in the card terminal device connected to the central processing unit to increase the storage capacity of the card numbers of defective credit cards and to improve communication. The present invention provides a card terminal device that reduces line usage charges. Hereinafter, embodiments will be described in detail with reference to the drawings.

FIG. 3 shows an embodiment of the present invention.
Items with the same numbers as in Fig. 2 indicate the same parts, and 1 indicates a credit card with an m-digit, for example, 20-digit card number, and 10 indicates a card reader 3, a microprocessor, and this microprocessor. A processing device 5 consisting of a fixed storage device and a random access memory that stores the operating program of the SETSA, a display device 6, a communication control device 8, and an m-digit card number (m>n). A conversion device 11 configured with a fixed storage device and a decoder that converts into a card number, or using a program of the processing device 5, and a conversion device 11 that converts an m-digit card number into an n-digit (where m>n) All defective credit cards that have been changed to a card number, such as a 4-digit card number by extracting every fifth digit of a 20-digit card number, and that have problems such as theft, loss, or insolvency. a first storage device 12 that stores the card numbers of some defective credit cards that are considered to have a high frequency of problems, and a second storage device 13 that stores the card numbers of some defective credit cards that are thought to have a high frequency of occurrence as m digits, for example, as 20 digits. This card terminal device 10 is installed at multiple branches. 9 is a communication control device 8 of the card terminal device 7
and a communication control device (not shown) of a central processing unit (not shown) installed in an information center.

Next, the operation of this embodiment will be explained. First, when you insert the credit card 1 into the card reader 3,
The m-digit card number written on the credit card 1 is read by the card reader 3, the m-digit card number is temporarily stored in the memory of the processing device 5 as it is, and the card number is converted from the m-digit to the n-digit by the conversion device 11. Convert to digits. Next, the card number of credit card 1 that has been converted into n-digits is compared with the card numbers of all the n-digit bad credit cards written in the first storage device 12, and the card number of credit card 1 is compared with the n-digit card number of credit card 1. n of the defective credit card written in the first storage device 12
If the digits do not match the card numbers, the display device 6 displays that the credit card 1 is valid. Also, a credit card 1 and a first storage device 1
If the n-digit card numbers of credit card 1 and 2 match, the m-digit card number of credit card 1 stored in the memory of processing device 5 and all m-digit defective credit cards written in second storage device 13 are The card number is checked, and the m of credit card 1 is checked.
If the digit card number matches the card number of the m-digit defective credit card written in the second storage device 13, a message that the card 1 is invalid is displayed on the display device 6. Furthermore, if the m-digit card numbers of the card 1 and the second storage device 13 do not match, the m-digit card number of the credit card 1 is sent to the communication control device 8, the communication line 9, and the communication control device of the information center. The information is input to the central processing unit via the card, collated, and determined whether or not the credit card 1 is a defective credit card.
The validity of the credit card 1 is finally determined by displaying the information on the display device 6 via the processing device 5.

Note that the card number of the defective credit card written in the first storage device 12, the second storage device 13, and the defective credit card file can be rewritten from either the central processing unit side or the card terminal device 10 side. Furthermore, if the credit card 1 is determined to be invalid by the verification in the first storage device 12, the verification in the second storage device 13 is omitted, and the information is directly input to the central processing unit for verification to determine whether the credit card 1 is valid. You can also determine the gender.

As explained above, according to the present invention, the number of digits of the card number is reduced by the conversion device and the card numbers of all defective credit cards are written in the first storage device. Even if the card terminal device is only equipped with a credit card, it has the advantage of being able to write the card numbers of all defective credit cards. In addition, since all digit card numbers of some defective credit cards are written in the second storage device, the card terminal device can also identify some defective credit cards, so the information center's central processing unit can The only cards that need to be verified and determined are cards other than cards that are determined to be valid as a result of verification with the first storage device and credit cards whose card numbers are written in the second storage device. Since the frequency of use of the network can be drastically reduced, there is an advantage that the usage fee for communication lines can be reduced.

[Brief explanation of the drawing]

Figure 1 is a configuration diagram of a conventional card discrimination device;
The figure is a block diagram of a conventional card terminal device, and FIG. 3 is a block diagram of an embodiment of the present invention. DESCRIPTION OF SYMBOLS 1...Credit card, 2...Card discrimination device, 3...Card reader, 4...Defective credit card file, 5...Processing device, 6...Display device, 7, 10...Card terminal device, 8... ... Communication control device, 9 ... Communication line, 11 ... Conversion device, 1
2...first storage device, 13...second storage device.

Claims (1)

[Claims] 1. In a terminal device for determining the validity of a credit card, a conversion device for converting the card number into a card number having a number of digits smaller than the number of digits of the card number of the credit card, and a conversion device for converting the number of digits to a smaller number by the conversion device. the number of digits written in the first storage device; a second storage device in which the card number of the defective credit card is written as is; and a communication control device; The card number of the defective credit card with a small number of digits is compared with the card number read from the credit card and the number of digits has been reduced by the conversion device, and if there is a mismatch, the card is validated, and if there is a match, further steps are taken. The card number is compared with the card number in the second storage device, and if there is a match, the card is determined to be defective, and if there is a mismatch, the card number read from the credit card is transmitted by the control device to determine the validity of the credit card. card terminal device.