JPS62152069A - Electronic settlement processor - Google Patents

Abstract

PURPOSE:To simplify card cerification and sales processing jobs by setting the allotted amount of each card based on the data showing the share of payment of each input card and the total amount data on the transaction and sending said allotted amount to a center together with the card data. CONSTITUTION:A CPU 11 of an electronic settlement processor 10 stores the input data in a RAM 17 in response to the input of the ratio data or the amount data in case plural card cerification indication keys are operated on a keyboard 12. Then the read card data is stored in the RAM 17. When the input of data is finished in all cards, the total amount is supplied through the keyboard 12 and stored in the RAM 17. Then the CPU 11 calculates the allotted amount of each card based on the ratio data and the total amount data stored in the RAM 17 and stores these calculated allotted amounts in the RAM 17. Furthermore, the CPU 11 reads the card data and its corresponding amount data out of the RAM 17 to compile a telegram and sends this telegram to a credit company center 30.

Description

DETAILED DESCRIPTION OF THE INVENTION Field of the Invention This invention relates to an electronic payment processing device, and more particularly to an electronic payment processing device used for card authentication in credit transactions and sales processing.

Conventional technology As is well known, credit card member stores use CAT (CAT) to automate credit card authentication and sales processing.
A type of electronic payment processing device called a credit authorization terminal (credit authorization terminal) is being installed. This CAT is equipped with a card reader for reading card data from credit cards, a keyboard for inputting monetary data, a display for displaying input monetary data, etc., and a printer for issuing slips. , which is connected to the credit card company's host computer via a telephone line.

Incidentally, there are cases in which the above-mentioned CAT is installed in a restaurant, for example, and a plurality of customers share the cost of food and drinks using their respective credit cards. In such a case, the store clerk first uses a calculator or the like to calculate the amount to be shared for each card. Then, the operation of inserting the card into a card reader, inputting the amount to be allocated from the keyboard, dialing to call the host computer and transmitting data was performed for each card.

Problems to be Solved by the Invention In conventional CAT, for each card, a card reading operation, an operation to input the fee amount, and a dialing operation to the host computer are performed, and data is sent and received for each card, and a slip is issued. However, there are problems in that the operations are complicated and the processing time is long.

Therefore, the present invention has been made to solve the above-mentioned problems, and is an electronic payment processing device that is easy to operate and has a short processing time when processing one transaction using multiple cards. The purpose is to provide

Means for Solving the Problems The electronic payment processing device of the present invention includes an input means for inputting data indicating the payment share of each card and total amount data indicating the total amount of the transaction; a setting means for setting the sharing amount for each card based on data indicating the payment sharing and total amount data; a reading means for reading each card data from each card; and transmission means for collectively transmitting card data and allotment amount data of the card to the center.

Effect: In this invention, the sharing amount for each card is set based on the data indicating the payment sharing for each card input from the input means and the total amount data indicating the total amount of the transaction, and processing can be performed at the same processing center. Since the card data of each card and the allotment amount data of the card are collectively transmitted to the center, operations for card authentication and sales processing are simplified and the processing time is shortened.

Embodiment FIG. 1 is a diagram showing the configuration of a credit processing system to which an electronic payment processing device 10 according to an embodiment of the present invention is applied. In FIG. 1, an electronic payment processing device 10 is connected to a credit company center 30 via a telephone line 40 and an exchange 20. As shown in FIG.

The electronic payment processing device iio is provided with a CPLJll. The CPU 11 has a keyboard 12 and a card reader 1.
3, display 14, printer 15, 80M16, and RAM1
7 and modem 18 are connected.

The keyboard 10 is used to input data indicating the payment share of each card and total amount data indicating the total amount of the transaction, as will be explained later in FIG. The card reader 13 is for reading each card data from each card. The display 14 displays operation guide characters, data input from the keyboard 12, and the like.

The printer 15 is for issuing slips. ROM2S
stores the operating program of CPLlll based on the flowchart shown in FIG. 5 later.

The RAM 17 includes a storage area shown in FIG. 3 later. Modem 18 is a modulation and a-tuning device for data transmission;
Connected to NCU19. The NCU 19 is a device used when performing data communication using a telephone line network, and is responsible for starting up the exchange 120 and the like.

On the other hand, the credit company center 3o is provided with a host computer 31, a modem 32, and an NCU 33. The host combination coater 31 performs card authentication processing, sales processing, etc. based on the amount data and card data transmitted from the electronic payment processing device 10.

FIG. 2 is a diagram showing the key arrangement of the keyboard 12 shown in FIG. 1. In FIG. 2, the keyboard 12 includes a function key 120, a numeric keypad 122, and an amount key 12.
3, ratio key 124, set key 125, and execution key 12
6 etc. are provided.

The function key 120 is
0, and includes a multiple card authentication instruction key 121 for the operator to instruct that one transaction should be processed using multiple cards. The numeric keypad 122 is used to input transaction total amount data and data indicating the payment share of each card. Here, the data indicating the payment sharing may be ratio data indicating the proportion of the amount to be shared corresponding to each card, or may be amount data indicating the amount to be shared corresponding to each card.

The amount key 123 indicates that the data indicating the payment share input from the numeric keypad 122 is amount data, and the ratio key 124 indicates that the data indicating the payment share input from the numeric keypad 122 corresponds to each card. This is to indicate that the data is ratio data indicating the ratio of the amount to be divided. The set key 125 is the numeric keypad 1
It is operated each time monetary data or ratio data is input from 22, and is used to instruct completion of input.

The execution key 126 is for instructing to collectively transmit the card data read by the card reader 13 and the set credit amount data of the card to the credit company center 3o.

FIG. 3 is an illustrative diagram showing the storage area of the RAM 17 shown in FIG. In FIG. 3, the RAM 17 includes a card information reading buffer 171 and a ratio data storage area 17.
2, an amount data storage area 173, a total amount data storage area 174, and a credit company information table 17.
5 is provided.

The card information reading buffer 171 is an area that stores card data read by the card reader 13 for each card. The data stored in the card information reading buffer y171 includes, for example, card number data, identification data for identifying a credit company, and customer bank account number data.

The ratio data storage area 172 is an area for storing ratio data inputted from the numeric keypad 122 and indicating the ratio of the amount to be shared corresponding to each card. In addition, numeric keypad 1
If the data indicating the payment sharing input from 22 is amount data indicating the amount to be shared corresponding to each card, the ratio data storage area 172 is not used.

The amount data storage area 173 is an area for storing amount data that is input from the numeric keypad 122 and indicates the amount to be shared for each card.

The total amount data storage area 174 is an area for storing total amount data for transactions input from the numeric keypad 122. The credit company information table 175 is
This is an area where information regarding credit companies that can be processed by the electronic payment processing device 10 is stored for each credit company, and each area stores a company code and telephone number data for identifying the credit company.

FIG. 4 is a flow diagram for explaining the operation of the electronic payment processing device 10 shown in FIG. Next, Figures 1 to 4
The operation of the electronic payment processing device shown in FIG. 1 will be explained with reference to the drawings.

If the customer wishes to pay for one transaction using multiple credit cards, the operator presses the multiple card authentication instruction key 121 of the function keys 120. Next, the operator operates either the amount key 123 or the ratio key 124 to indicate the type of data indicating the payment share. Next, according to the instructed ear cutting, ratio data or amount data is input from the numeric keypad 122 and the set key 125 is pressed. Here, the ratio data is data indicating the ratio of the amount to be shared corresponding to each card, and the amount data is data indicating the amount to be shared corresponding to each card.

For example, if the total amount is 30,000 yen and three people share the amount equally, enter "1" for each as the ratio data, and enter rloooOJ for each as the amount data. .

Following input of the ratio data and amount data, the operator inserts a card (not shown) into the card reader 13. The input of ratio data or amount data and the insertion of the card into the card reader 13 are repeated for each card used for the transaction. When the above operations have been completed for all cards, the operator presses the set key 125 and then inputs the total amount data for the transaction using the numeric keypad 122. Subsequently, the operator presses the execution key 126 to complete the operation.

FIG. 5 is a flow diagram for explaining the operation of one embodiment of the present invention. Next, referring to Figures 1 to 5,
The operation of the consistent embodiment of this invention will be explained.

The CPU 11 of the electronic payment processing device 10 waits until the function key 120 is operated, and determines which function key 120 has been operated in response to the operation of the function key 120. Here, if it is determined that the multiple card authentication instruction key 121 of the function keys 120 has not been operated, normal authentication processing is performed. In this normal authentication process, when the card is inserted into the card reader 13, c
The puii reads card data from the inserted card and stores the card data in the card information reading buffer 17.
1 in one area.

Subsequently, in response to input of total amount data from the numeric keypad 122, the inputted total amount data is stored in the total amount data storage area 174. Next, the CPU 11 reads the card information reading buffer 1 in response to the operation of the execution key 126.
Based on the card data stored in 71 and the total amount data stored in total amount data storage area 174, a message to be transmitted to credit company center 30 is edited.

Next, the credit company included in the card data.

Based on identification data, credit company information table 1
75, the telephone number data of the credit company corresponding to the card is read out, dialed automatically, and the edited message is sent. The host computer 31 of the credit company center 30 performs card authentication processing based on the transmitted message and sends the result to the electronic payment processing neck 10.
Send to. In response to receiving the authentication result from the host combination coater 31, the cpuii of the electronic payment processing device 10 issues a slip using the printer 15, and ends the operation.

On the other hand, when the multiple card authentication instruction key 121 is operated, CPL1ll responds to the operation of either the amount key 123 or the ratio key 124 and input of ratio data or amount data from the numeric keypad 122. Then, the input data is stored in the RAM 17. If the ratio key 124 is operated here, the CPU 11 stores the ratio data input from the numeric keypad 122 in the ratio data storage area 172. Further, when the amount key 123 is operated, CPtJll stores the amount data input from the numeric keypad 122 in the amount data storage area 173.
to be memorized. Subsequently, in response to the card reader 13 reading card data from the card, the read card data is stored in the card information reading buffer 171.

Note that the card data, ratio data, and amount data are stored in each storage area in the order of reading or input as shown in FIG. 3, so that they correspond to each other.

In response to the operator inputting ratio data or amount data and reading card data for each card, and after inputting data for all cards, the operator operates the set key 125 after inserting the card. , move on to the input operation of the total amount.

In response to input of total amount data from the numeric keypad 122, the CPU 11 stores the inputted total amount data in the total amount data storage area 174. Next, C.P.
U11 stores the ratio data stored in the ratio data storage area 172 and the total amount data storage area 17 when ratio data is input as data indicating payment sharing.
Based on the total amount data stored in 4, the amount to be shared corresponding to each card is calculated, and the calculation result is stored in the area corresponding to each card in the amount data storage area 173. This operation is performed in the ratio data storage area 17.
This is done for all the ratio data stored in step 2.

On the other hand, if amount data is input as data indicating the payment denominator, the sum of the amount data stored in the amount data storage area 173 is calculated, and the calculation result data is stored in the total amount data storage area 174. Determine whether the total amount data matches the total amount data. If the calculation result data and the total amount data do not match, the amount data indicating the amount to be allocated for each card is input again. However, if the calculation result data and the total amount data match, , each amount data stored in the amount data' storage area 173 is set as the amount to be shared by each card.

Next, in response to the operation of the execution key 126, the CPU 11 reads the card information reading buffer? Based on the credit company identification data included in each card data stored in the card information reading buffer 171, the card data of the card that can be authenticated by the same credit company and the corresponding amount data are stored in the card information reading buffer 171. is read from the amount data storage area 173, and the message to be transmitted to the credit card company is edited. Next, based on the data identifying the credit company included in the card data, the phone number of the credit company is read from the credit company information table 175, dialing is performed automatically, and the edited message is sent to the credit company. center 30
to be transmitted. Therefore, if multiple cards that can be processed by the same credit card company are used, each message to be transmitted will contain multiple card data and amount data, and the credit card company center will process them all at once. Since the information is processed, the processing time is shorter than when the information is transmitted separately.

As described above, the host computer 31 of the credit company center 30 performs card authentication processing based on the transmitted data, and transmits the authentication result to the electronic payment processing device 10. In response to receiving the HE processing FA message from the host computer 31, the CPU 11 issues a slip using the printer 15. Next, CPI
The Jll determines whether there is any unsent data based on the card data stored in the card information reading buffer 171, and if there is any unsent data, repeats the above-mentioned operation for those data, Authentication processing is performed at the relevant credit company center. When the CPU 11 determines that the card authentication process has been completed for all cards, the operation ends.

In the above-mentioned embodiment, the authentication processing message is edited and transmitted for each credit company, but the present invention is not limited to this. For example, if a joint center of multiple credit companies is established, communication with this joint center is possible. Authentication data and authentication result data may be sent and received between them. In this case,
Authentication data of Jho above is received all at once at the joint center,
The authentication result data is sent individually from the joint center to each credit company, and the authentication result data from each credit company is edited at the joint center and sent to the electronic payment processing device.

In the above-described embodiment, the host computer performs the card authentication process, but the present invention is not limited to this, and the card authentication process and sales process may be performed based on the transmitted message.

Effects of the Invention As described above, according to the present invention, the amount to be paid by each card is calculated based on the data input from the input means indicating the payment share for each card and the combined SL amount data indicating the total amount of the transaction. The card data of the cards that can be set up and processed by the same processing center and the data on the shared amount of the card are transmitted to the center all at once. The operation is simplified as there is no need to perform any other operations. Furthermore, since a small number of authentication processes can be performed consecutively with one line connection, processing time can be shortened and call charges can be reduced.

[Brief explanation of drawings]

FIG. 1 is a schematic block diagram showing the electrical configuration of a credit processing system to which an electronic payment processing device according to an embodiment of the present invention is applied. FIG. 2 is a diagram showing the key arrangement of the keyboard shown in FIG. 1. FIG. 3 is an illustrative diagram showing a storage area of the RAM shown in FIG. 1. FIG. 4 is a flow diagram for explaining the operation of the electronic payment processing device according to one embodiment of the present invention. FIG. 5 is a flow diagram for explaining the operation of one embodiment of the present invention. In the figure, 10 is an electronic payment processing device, 11 is a CPU,
i 2t keyboard, 13 card league, 14 display, 15 printer, 16 ROM. 17 is RAM, 18 is modem, 19 is NCIJ, 20 is exchange, 30 is credit company center, 31 is host computer, 32 is modem, 33 is NCU, 121 is multiple card authentication instruction key, 122 is numeric keypad, 123 is amount key, 124 is the ratio key, 125 is the set key, 12
6 indicates an execution key. (and 2 others) Condolence 1 Diagram 4o Lesson 2 Silence 2 Diagram

Claims (3)

[Claims] (1) An electronic payment processing device that can divide the total amount of a transaction into multiple parts and process each one with a different card, which inputs data indicating the payment share for each card, and
an input means for inputting total amount data indicating the total amount of the transaction; a setting means for setting the sharing amount for each card based on the input data indicating the payment sharing and the total amount data; An electronic payment processing device comprising: a reading means for reading card data of a card; and a transmission means for collectively transmitting card data of cards that can be processed by the same processing center and data of the sharing amount of the card to the same processing center. (2) The data indicating the payment share is ratio data indicating the ratio of the amount to be shared corresponding to each card, and the setting means determines the payment share for each card based on the ratio data and the total amount data. 2. The electronic payment processing device according to claim 1, further comprising a calculating means for calculating an amount, and setting the amount data calculated by the calculating means as a shared amount for each card. (3) The data indicating the payment sharing is amount data indicating the amount to be shared corresponding to each card, and the setting means calculates the sum of the amount data indicating the amount to be shared corresponding to each card. the calculation means for calculating, and the determining means for determining whether or not the calculated calculation result data matches the input total amount data, and the determining means determines that the calculation result data matches the total amount data. The electronic payment process according to claim 1, wherein the amount data indicating the amount to be shared corresponding to each of the input cards is set as the amount to be shared for each card in response to the determination that this is the case. Device.