JPS61196365A - Credit authorization system - Google Patents

Abstract

PURPOSE:To permit the user of a credit authorization system to perform authorization checking at his own home by coupling a battery operated credit authorization device with a vehicle-mounted radio unit. CONSTITUTION:The credit authorization device 1 is mounted on an automobile and coupled with the vehicle-mounted radio unit 2. Said device 1 is operated by a power source such as batteries, and its processor 3 is operated by reading a program stored in a ROM 5. The processor 3 temporarily stores authorization data and transaction data from a card reader 10 at a RAM4 and then displays said data to allow the user to confirm them. Then the processor 3 sends out these data to the vehicle-mounted radio unit 2 by way of an I/O port 14. The vehicle-mounted radio unit 2 is used for transmitting digital data supplied as a part of public telephone line, and said data are received by base station (not shown in the figure) and transmitted to a computer system by way of a telephone line.

Description

[Detailed Description of the Invention] [Summary] One of the reasons for hindering the spread of credit transactions is that each household cannot easily conduct an authorization check (the act of investigating whether sales using credit is possible). An in-vehicle credit authorization device that can communicate with the center's computer system using the wireless line provided as part of the public line is installed in a car, and it is possible to carry it to each home with the product and perform credit transactions. .

[Industrial application field]

The present invention relates to a credit authorization device that inputs and outputs information necessary for credit transactions, and in particular, it is installed in a car in conjunction with an in-vehicle wireless device provided as part of a public network, and is transferred to and from a computer system at a center using a wireless method. The present invention relates to a credit authorization method in which a credit transaction can be completed by communicating with the recipient in advance.

In recent years, with the development of a credit society, transactions using credit cards have become popular. However, in order to smoothly carry out credit card transactions, it is necessary to perform an authorization check.

In other words, it is necessary to at least confirm the personal identification number indicating whether the credit card belongs to the person in question and confirm the payment ability.

In order to perform this authorization check, a credit authorization device is required, and in order to further popularize credit transactions, a credit authorization system that can provide this credit authorization device whenever and wherever it is needed is necessary. Rization method is required.

[Conventional technology]

In the conventional credit authorization system, a credit authorization device is installed in a store equipped with a communication line, and the user of the credit card goes to the store to use the credit card, and cannot be used at the user's home.

However, for example, as a payment settlement method in non-store sales where products ordered by telephone etc. are delivered to the orderer,
There is a cash-on-delivery system where you pay the price at the time of product delivery, but even if the user wants to use a credit card at that time, there is currently no credit authorization device, so an authorization check cannot be carried out, so it is difficult to pay by cash. Limited.

There is also a similar problem when paying by cash on delivery for TA-Q-BIN, which requires cash payment.

[Problem that the invention seeks to solve]

As mentioned above, conventional credit authorization devices have been installed only in stores equipped with communication lines and cannot be used in general households, which has hindered the spread of credit transactions.

The present invention was created in view of these points, and utilizes an in-vehicle wireless device (MCA) for digital data transmission, which is provided as part of a public network, to provide an in-vehicle credit authorization device. By connecting to this in-vehicle wireless device, the purpose is to enable authorization checks to be performed at the user's home.

[Means for solving problems]

The figure is a block diagram of a circuit showing one embodiment of the present invention.

An in-vehicle wireless device 2 for digital data transmission provided as part of a public line and a battery-operated credit authorization device 1 can be combined to operate, making it easy to check authorization at the home of a credit card user. The configuration is such that it can be implemented.

[Effect]

That is, by connecting the battery-powered authorization device I to the in-vehicle wireless bag W2, authorization data and transaction data are wirelessly transmitted and sent to the computer system at the center. By receiving answers wirelessly based on the data processed by the computer system, the authorization check can be completed and credit transactions can be easily carried out at each home.

〔Example〕

In the figure, a credit authorization device 1 is mounted on an automobile and coupled to an in-vehicle wireless device 2. The processor 3 operates on a power source such as a battery, and operates by reading a program stored in the ROM 5.

Authorization data and transaction data are input from a keyboard 6 consisting of a numeric keypad and a mode key via an input port door, and authorization data read from a credit card is input from a card reader 10 via an input port 11.

The processor 3 once stores this authorization data and transaction data in the RAM 4, and then displays this data on a display panel 9 made up of, for example, a liquid crystal panel through an output port 8 for the user to confirm. , and is sent to the vehicle-mounted wireless device 2 via the input/output boat 14.

The in-vehicle wireless device 2 is an in-vehicle wireless device for transmitting digital data provided as part of a public line, and the data is received by a base station (not shown) and transmitted to a computer system via a telephone line or the like.

The data processed by the computer system is sent back to the vehicle-mounted wireless device 2 via the base station and entered via the input/output port 14.

The processor 3 stores this data in the RAM 4, and displays it on the display panel 9 as described above, if necessary. Further, if necessary, the data is sent to the printer 13 via the output port 12 to print a receipt or the like.

〔Effect of the invention〕

As described above, the present invention enables credit checks to be completed at the home of a credit card user, thereby facilitating the spread of credit transactions.

[Brief explanation of the drawing]

The figure is a block diagram of a circuit showing one embodiment of the present invention. In the figure, 1 is a credit authorization device, 2 is an in-vehicle wireless device, 3 is a processor, 4 is a RAM,
5 is a ROM, 6 is a keyboard, 7 and 11 are input/output ports, 8 and 12 are output ports, 9 is a display panel, 10 is a card league, 13 is a printer, and 14 is an input/output board.

Claims (1)

[Claims] A credit authorization device (1) operated by a battery is provided with means (14) for connecting information necessary for credit transactions to an in-vehicle wireless device (2) forming part of a public line, A credit authorization method characterized in that credit transaction information is sent and received by the in-vehicle wireless device (2) via a wireless communication line, and each household completes an authorization check necessary for credit transactions.