JPS62113299A - Card validating cash register - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION FIELD OF INDUSTRIAL APPLICATION This invention relates to a card-authenticated 4t cash register such as used for credit sales of merchandise and lending of money.

Summary of the Invention This invention provides a cash register that can authenticate cards used for credit sales of products and loaning money, and in which either a product registration mode or a money lending mode is instructed based on a key operation by an attendant. The host computer then performs card authentication according to the determined mode.

This is designed to prevent purchases of products or loans that exceed the limit.

BACKGROUND OF THE INVENTION Recently, a wide variety of cards such as cash cards, credit cards, and others have been on the market. Among these cards, there are cards that can be used to sell products on credit as well as to borrow money.

Furthermore, as credit cards become more popular, card authentication terminal devices called CAT (Credit Authorization Terminals) have been put into practical use in order to automate credit card authentication. Stores that process transactions using cards are equipped with a cash register for registering money and the above-mentioned card authentication terminal device.

Next, conventional transaction processing at such stores will be explained.

The clerk operates the cash register keyboard to record the product by entering the code indicating the department of the product the customer wishes to purchase and the amount data, and then operates the keyboard provided on the CAT. Enter the amount data of the product and insert the card into the card reader installed in the CAT.

The entered amount data and the card data read from the card are transmitted from the CAT to the host computer.

The host computer stores product purchase limit data indicating the product purchase limit for each customer, and based on the transmitted data, determines whether credit sales are possible or not, and transmits the result to the relevant CAT. do.

Additionally, when a customer wishes to borrow money, the clerk registers the amount data indicating the desired amount in the cash register, and then operates the CAT to inquire of the host computer whether or not it is possible to lend that amount. . The host computer stores loan limit data indicating the maximum loan amount for each customer, and based on the transmitted data, determines whether or not it is possible to lend money, and sends the result to the CA.
Transmit to T.

Problems to be Solved by the Invention By the way, the customer's product purchase limit is, for example, 50,000 yen, and the money lending limit is, for example, 100,000 yen.
Moreover, a customer may wish to purchase a product that costs, for example, 70,000 yen. In this case, after registering a product worth 70,000 yen at the cash register, the clerk may process the 70,000 yen loan using CAT in order to avoid restrictions on the product purchase limit. If fraud takes advantage of such a difference in the limit amount, the purpose of setting a limit amount according to the customer's ability to pay becomes meaningless.

Also, contrary to the above example, when the limit for a money loan is less than the product purchase limit, and the customer wishes to lend money that exceeds the money loan limit 1, It is possible that a similar problem will occur.

Therefore, this invention was made to solve the above-mentioned problems, and prevents fraud that takes advantage of the difference between the product purchase limit and the money loan limit.
The purpose is to provide a cash register that can authenticate cards.

Means for Solving the Problems The card-authenticated cash register of this invention has the following features:
A department key for inputting the department code of the product and numeric keys for inputting amount data are provided, and the machine is connected via a line to a host computer that performs card authentication.

The above-mentioned cash register that can authenticate cards will respond when both the department key and number key are operated.
Product registration is performed using a determining means that determines that the mode is product registration mode, and determines that the mode is money lending mode in response to operation of only numeric keys, a reading device that reads card data from the card, and a determining device. In response to the determination that the mode is selected, at least the card data, the department code, and the amount data are transmitted to the host computer, and an inquiry is made as to whether or not the product can be sold on credit;
1. A card authentication processing means that transmits at least card data and amount data to a host computer to inquire whether or not it is possible to lend money in response to determining that the mode is a money lending mode by another means; It is composed of C.

Operation: The cash register capable of card authentication of the present invention determines that it is in the product registration mode when both the department key and the numeric key are operated, and when only the numeric key is operated, In response to determining that the mode is money lending mode and determining that the mode is product registration mode, transmitting at least the card data read from the card, the input department code and amount data to the host computer. , inquires whether the product can be sold on credit, and in response to determining that the mode is a money lending mode, transmits at least the card data read from the card and the input amount data to the host computer. The company inquires as to whether or not it is possible to lend money.

Embodiment FIG. 2 is an external perspective view showing a cash register that accepts card ID according to an embodiment of the present invention.

In FIG. 2, the "1-Set cash register 1" capable of card authentication is provided with a keyboard 11, a card reader 12, a display 13, a printer 14, and a cash drawer 15.The keyboard 11 is shown in FIG. As will be explained, it includes a numeric key for inputting amount data and a department key for inputting a department code.The card reader 12 reads card data from a credit card (not shown) or the like.Card data to be read includes, for example, card number data and account number data.

The display 13 displays operation guide characters, data input from the keyboard 11, and the like.

The printer 14 is used to issue receipts and the like. The cash drawer 15 is for storing cash.

FIG. 3 is an external perspective view showing a cash register capable of card authentication according to another embodiment of the present invention.

In FIG. 3, a cash register capable of card authentication is composed of a cash register section 2 and a CA T all 3. The cash register section 2 includes a keyboard 21, a display 23, a printer 24, and a cash drawer 2.
5 is provided. In addition, the CAT section 3 has a keyboard 3.
1, a card reader 32, and a display i5:33. The functions of each component shown in FIG. 3 are the same as those shown in FIG. 2, so the explanation thereof will be omitted.

FIG. 4 is a schematic block diagram showing the electrical configuration of the cash register capable of card authentication shown in FIG. 2. In FIG. 4, the cash register 1 capable of card authentication is composed of a money registration processing section 16 and a card authentication processing section 17. The money registration processing section 16 is provided with a CPL 118, and the card authentication processing section 17 is provided with a CPU 19.

The CPU 18 and the CPU 19 are connected via a pass line 20. The CPL 118 includes the above-mentioned keyboard 11, display 13, and printer 14, as well as a ROM 2.
6 and RAM 27 are connected. The ROM 26 stores an operating program for the CPU 18 based on a flowchart shown in FIG. 1A, which will be explained later. The RAM 27 stores department codes, amount data, etc. input from the keyboard 11.

In addition to the above-mentioned card reader 12, the CPL 119 includes an R
OM28, RAM29, and modem 30 are connected. R
The OM 28 stores an operating program for the CPU 19 based on a flowchart as shown in FIG. 1B later.

The RAM 29 stores data transmitted from the cash registration processing unit 16, data read by the card reader 12, data transmitted from the host combination coater, and the like. The modem 30 mediates communication between the CPU 19 and the host computer.

FIG. 5 is a diagram showing the key arrangement of the keyboard 11 shown in FIG. 2. In FIG. 5, the keyboard 11 is provided with a numeric key 111, a department key 112, a subtotal key 113, two cards 4=-114, 115, etc.

The numeric keys 111 are used by an attendant to enter price data indicating the price of the product that the customer wishes to purchase, or the price T-yen that does not indicate the price that the customer wishes to purchase. The department key 112 is used to input the department code of the product the customer wishes to purchase.

The subtotal key 113 is used to instruct calculation of the total amount of products purchased by the customer.

The card keys 114 and 115 are used to instruct the transition from the processing operation of the money registration processing section 16 to the processing operation of the card authentication processing section 17 shown in FIG. The card key 114 is operated when authenticating a money loan, and the card key 115 is operated when authenticating a product sale.

FIGS. 1A and 1B are flowcharts for explaining the operation of an embodiment of the present invention. In particular, Figure 1A is
Money registration office shown in the figure! 1116, and FIG. 1B shows the operation of the card authentication processing section 17.

Next, the operation of the money registration processing section will be explained with reference to FIGS. 18 to 5.

When a customer wishes to sell a product on credit, the clerk selects and presses the department to which the product belongs, for example, department 1, from the department key 112, and then operates the numeric keys 111 to enter amount data.

Further, if the customer wishes to lend money, the customer operates the numerical keys 111 to input amount data.

The CPU 18 waits until there is power on all four keys, and in response to the fact that there is key power in step 31 (abbreviated as Sl in the figure), it determines whether or not the department key has been pressed in step S2. If the department key has not been pressed, the process advances to step S3, and it is determined whether or not amount data has been input. If it is determined in step S2 that the department key has been pressed, the CPU 18 waits until the amount data is input, and in step S4, in response to the input of the amount data, the input department code and amount data are stored in the RAM 27. to be memorized.

Subsequently, the CPL 118 waits until there is key human power, and in step S5, in accordance with the key human power, the CPL 118 performs step S6.
The process then proceeds to determine whether or not the department key has been pressed.

If the department key is pressed in step S6,
The process advances to step 84 and waits until the 3 amount data is input, and stores the input department code and amount data in the RAM 27 in response to the input of the amount data. CPLI 1
8 is the loop from step 84 to step S6 using the subtotal key 1
13 is pressed repeatedly until, for example, department codes and price data of a plurality of types of products are stored in the RAM 27. If the subtotal key 113 is pressed in step S7, the process advances to step s8.

On the other hand, in step S1, if only the amount data is input without pressing the department key 112, the input amount data is stored in the RAM 27, and step S8
Proceed to. When the clerk finishes inputting the sales amount data and department code of the product or inputting the amount data to be lent, he presses the card key 114 or 115. Accordingly, in step s9, the CPU 18 determines whether the card key 114 or 115 is pressed, and if the card key 114 or 115 is pressed,
Proceed to step S10. In step 810, C.P.
The LJ 18 reads data stored in the RAM 27 and sends it to the card authentication processing section 17 via the pass line 20. Here, the data sent to the card authentication processing unit 17 includes a department code, amount data, and data indicating that the card key 115 has been instructed in the case of credit sales of products, and includes data indicating that the card key 115 has been instructed. In this case, the amount data and data indicating that the card key 114 has been designated are included, but the department code is not included.

The operation of the card authentication processing section 17 will be explained later.

In step 811, the CPU 18
In response to receiving data indicating the end of authentication and authentication result data from , the process advances to step S12.

In step 812, if the authentication result is positive,
For example, data indicating approval is added to the product registration data (department code, amount data, etc.) or money loan data (amount data, etc.) stored in the RAM 27, and if the authentication result is negative, the data is stored in the RAM 27. After data update processing is performed by clearing the stored product σ record data or money loan data, the operation ends.

Next, the operation of the card authentication processing section 17 will be explained with reference to FIGS. 1B to 5.

In step S13, the CP of the card authentication processing section 17
U19 waits until it receives the data from the money registration processing section 16, and in response to receiving the data from the money registration processing section 16, proceeds to step S14. After pressing the card key 114 or 115 once, the staff member inserts a card (not shown) into the card reader 12. The card reader 12 reads card data from the inserted card and the CPU 19
give to At step 814, the CPU 19 stores the card data given from the card reader 12 in the RAM 29. Subsequently, in step 815, CPL1
Step 19 determines whether to authenticate a money loan or a product sale. Here, if the data sent from the money registration processing unit 16 includes, for example, a department code, amount data, and data indicating that the card key 115 has been designated, the CPU 19 proceeds to step 818. and data indicating that the card key 114 has been instructed, the process proceeds to step S1.
Proceed to step 6.

In step 818, the CPU 19 transmits the department code, amount data, and card data to the host computer via the modem 30, and inquires whether the amount of credit used is within the customer's product purchase limit. Subsequently, in step S19, in response to receiving the authentication result from the host computer, the process proceeds to step 820, where, for example, the money registration processing unit 16 is notified of the fact that the card authentication has been completed and the authentication result via the pass line 20. .

On the other hand, if the CPL 719 determines that the 'fL money loan should be authenticated, in step 316 the CPU 19 transmits the amount data and card data to the host computer via the modem 30, and confirms the loan amount. Inquire whether the amount is within the customer's loan limit. Subsequently, in step 317, in response to receiving authentication result data from the host computer, step S2
0 and notifies the money registration processing section 16 of the completion of the card authentication process and the authentication result in the same manner as described above, and ends the operation.

In the embodiment described above, two card keys are provided and authentication processing is performed based on the type of card key and whether or not the department key has been operated. It may also be possible to determine whether a product sale should be authorized or a money loan should be authorized by determining whether or not the product is sold.

Effects of the Invention As described above, according to the present invention, it is determined that the product registration mode is in response to the operation of both the department key and the number keys, and the product registration mode is determined in response to the operation of only the number keys. In response to the 713 determination that the mode is the money lending mode, the card data read from the card and the input department code and amount data are transmitted to the host computer. When the card is determined to be in the money lending mode, the card data read from the card and the input amount data are sent to the host combination l-. Since the information is transmitted in the evening and the IN is used to check whether money can be lent, the difference between the product purchase limit and the money loan limit can be used to prevent purchases of products or loans that exceed the limit. It can be prevented.

[Brief explanation of drawings]

FIG. 1Δ and FIG. 1B are flowcharts for explaining the operation of an embodiment of the present invention. FIG. 2 is an external perspective view of a cash register capable of card authentication according to an embodiment of the present invention. FIG. 3 is an external perspective view of a cash register capable of card authentication according to another embodiment of the present invention. Fourth
This figure is a schematic block diagram showing the electrical configuration of the cash register capable of card authentication shown in FIG. 2. Fig. 5 (This is a key arrangement diagram of the keyboard shown in Fig. 2. In the figure, 1 is a cash register where card authentication is possible, 2 is a ↑1 cash register section, 3 is a CA1 section, '11
, 21J3 and 31 are keyboards, 12 and 32 are card readers, 13.23 and 33 are displays, 14 and 24 are printers, 15 and 25 are kiss drawers, 16 is a cash record processing section, 17 is a card authentication processing section, 1
8 and 19 are CPUs, 20 is a pass line, 2G and 28 are ROMs, 27 and 29 are RAMs, 30 is a modem, 111 is a numeric key, 112 is a department key, and 114 and 115 are card keys. Heart IA Diagram IB Diagram (I7-F Banshu-Kuchi J Himironoro, 5゛ Diagram QWL L Diagram

Claims (1)

[Claims] A cash register capable of card authentication, which is equipped with a department key for inputting a department code of a product and a numeric key for inputting amount data, and is connected via a line to a host computer that performs card authentication. In response to the operation of both the department key and the number key, it is determined that the mode is product registration mode, and in response to the operation of only the number key, the mode is determined to be the money lending mode. a reading means for reading card data from the card; and a reading means for reading card data from the card; to inquire as to whether or not the product can be sold on credit, and in response to the determining means determining that the mode is a money lending mode, transmitting at least card data and amount data to the host computer. This cash register is equipped with a card authentication processing means for inquiring whether or not money can be lent.