JPS62285178A - Card transaction processing device - Google Patents

Abstract

PURPOSE:To execute the transaction processing without sending transaction propriety data to a host computer when the same customer executes the transaction by providing a storage means to be able to store the transaction propriety data for card data. CONSTITUTION:When a customer makes a purchase at a store A, a sales clerk inputs a product code amount data from a CAT 1, reads the data of a credit card 5 and stores them into a RAM 14. A CPU 10 retrieves a storage device 8 based on the card data of the RAM 14, discriminates the propriety of the transaction and the card data equivalent to the storage device 8 are not stored, and then, the inquiry is executed to a host computer 6, the propriety of the transaction is discriminated and the result is transmitted to the CAT 1. When the same customer makes a purchase at a next store B, the card data are read. Thus, since the card data are already stored into the storage device 8 at the CPU 10, a paying processing can be executed without inquiring the propriety of the transaction to the host computer.

Description

[Detailed Description of the Invention] 3. Detailed Description of the Invention [Field of Industrial Application] ° This invention relates to a card transaction processing device, and particularly to a device for processing transactions using credit cards, bank cards, cash advance cards, etc. The present invention relates to a card transaction processing device such as the above.

[Prior Art] Recently, various card transaction processing devices have been provided in order to save labor and speed up transaction processing. These card transaction processing devices include, for example, a CD (cash dispenser) that is used when withdrawing deposits, and a CAT (credit authorization) that determines whether a transaction is possible when making a credit transaction.・Terminal), etc. Next, CAT, which is an example of these conventional card transaction processing devices, will be explained.

The CAT is equipped with a card reader, keyboard, display, and printer, and is connected to the host computer via a 42-way line. A card reader reads card data from a credit card. :V-
The board is for the operator to input the product code and price data of the product purchased by the customer.

The display device is for displaying data entered from the keyboard, results of transaction propriety determination by the host computer, and the like. The printer issues slips. Next, the operation of the above-mentioned CAT will be explained.

The operator inserts the customer's credit card into the card reader to read the card data, inputs the product code and amount data from the keyboard, and then calls the host computer. The card data read by the card reader, the product code and amount data input from the keyboard are transmitted to the host combination, L-YU. The host computer stores data indicating a predetermined transaction limit for each customer, determines whether the customer's purchase amount is within this limit, and transfers the transaction propriety data that is the result of the determination to the relevant transaction limit. Transmit to C8T. If the CAT operator is able to perform transactions, the CAT operator processes the transaction using credit; if the CAT operator is unable to perform Iζ transactions, the operator processes the transaction using cash, for example.

[Problems to be solved by the invention] In conventional CAT, card data and amount data are transmitted to the host computer for each transaction to determine whether the transaction is possible or not. Customer service is lacking as you have to wait until
There was a problem with this.

In addition, since a large number of card transaction processing devices are usually connected to the host computer, when communication is concentrated, it is difficult to handle the situation. There was a problem that processing efficiency deteriorated because the time a became long.

Therefore, this invention was made in order to solve the problems as mentioned in 11Ja above, and to improve the card transaction processing line, which shortens the time required for transaction processing and improves processing efficiency. The purpose is to provide.

[Means for solving and overcoming the problems] The present invention provides a card transaction processing device including a reading means for reading card data from a card used in a transaction and a data transmission means for exchanging data with a host computer. A storage means capable of storing card data and transaction propriety data for each card data, and each time the card data is read by a reading means,
a determining means for determining whether card data matching the read card data is stored in the storage means;
When the determining means determines that card data matching the card data read by the first stage of reading f is stored in the storage means, transaction permission data corresponding to the card data is read from the storage means. In response to the determination by the determination means that the card data that matches the card data read by the reading means is not stored in the first stage, the readout control means controls the host computer to determine whether or not the transaction is possible. A transmission control means for controlling to request data transmission, and a writing method for storing the transaction possibility data and the card data in a storage means in response to the transmission means receiving the transaction possibility data from the host computer. and a control means.

[Operation] In the present invention, a storage means capable of storing at least card data and transaction propriety data for each card data is provided, and each time card data is read, card data matching the read card data is stored. It is determined whether or not the card data is stored in the storage means, and if card data that matches the card data read from the card is stored in the storage means, transaction propriety data corresponding to the card data is retrieved from the storage means. If the card data matching the card data read from the card is not stored in the storage means, the host computer is requested to transmit the transaction permission data, and the transaction permission data transmitted from the host computer is read. It is written in the storage means together with the card data.

[Example] In the following explanation, a CAT will be explained, but the present invention is not limited to this, and can be applied to any type of transaction processing device as long as it processes a transaction using a card. Let me point this out in advance.

FIG. 2 is a diagram showing the configuration of a transaction processing system including CAT to which an embodiment of the present invention is applied.

In FIG. 2, CAT1 includes a card reader 2, a keyboard 3, and a display 4. A card reader 2 serving as a reading means reads card data from a credit card 5. Here, is the card data a card? B
It consists of bow data, M customer code, bank name data, branch name data, account number data, etc. keyboard 3
is a field for the operator to input the product code, price data, etc. of the product purchased by the customer. The display device 4 displays data inputted from the keyboard 3, data transmitted from the host computer 6, and data on lζ transaction availability.

The CATI is also connected to a storage device 8 and to a host computer 6 via a communication line 7. The storage device 8 serving as a storage means is capable of storing at least card data and transaction propriety data for each card data.

As this storage device 8, a RAM, a magnetic drum, a magnetic disk, or the like is used. Also, storage device ff18
may be provided as a separate device from CATl, or may be built into CATl.

The host computer 6 stores a data file indicating predetermined transaction limits for each customer, and the CATl
In response to a request for transaction availability data from
Based on the card data and amount data transmitted from Tl, it is determined whether the transaction is possible or not, and the transaction permissibility data, which is the result of the determination, is transmitted to CAT1.

FIG. 3 is a schematic block diagram showing the electrical configuration of CAT1 shown in FIG. 2. In FIG. 3, C△°1 is provided with a determining means, a reading IIJ control means, a transmission i, II 1211 means, and a CPU i o as a rerouting control means. In addition to the card reader 2 and the display 4, a transmission processing unit 11.Storage 5A location interface 12.RO as a transmission means
M13 and RAM14 are connected. Transmission processing section 11
mediates data transmission between the CPU 10 and the host computer 6. Storage device interface 1
2 is connected to the storage wave 'e18. The ROM 13 is connected to the CPU 1 based on a flow diagram as shown in FIG. 1, which will be explained later.
0 operation program is stored. RAM14
is the data entered from the keyboard 3 or the card reader 2.
It stores card data read by the controller 11, transaction approval data received by the transmission processing unit 11, and the like.

FIG. 1 is a flow diagram for explaining the operation of an embodiment of the present invention. Next, referring to Figures 1 to 3,
The operation of one embodiment of the present invention will be described in detail.

In the following explanation, a store has a plurality of sales floors C, and each sales floor has at least one C△"1"
3. It is assumed that each CAT is connected to the same host computer 6 and storage wave 'a8.

For example, suppose a customer shops in a daily necessities department.

The operator operates the keyboard 3 and inputs, for example, the product code and price data of the product the customer is purchasing. The data input here is stored in the RAM 14. Then, the operator inserts the credit card 5 presented by the customer into the card reader 2 and reads the card data.

Here, the card data read by the card reader 2 is stored in the RAM 14. CPLJIO has 14 RAM
The storage device 8 is searched based on, for example, card number data included in the card data stored in the card data, and the card number data that matches the card number data is stored in the storage device δ8.
It is determined whether or not it is stored in the .

Here, if the corresponding card number data is not stored in the storage device 8, the CPU 10 transmits the card data, product code, and amount data stored in the RAM 14 to the host computer 6 via the transmission processing section 11. do. Based on the transmitted data, the host computer 6 determines whether the transaction is possible or not, and stores the transaction possibility data in the corresponding CΔT1.
to be transmitted.

The CATI CPU 10 displays the transmitted transaction permission data on the display 4 and stores the card data and the transaction permission data in the storage device 8.

Next, if the transaction is possible, the operator processes the payment using the credit card 5, and if the transaction is not possible, the operator processes the payment using, for example, cash. Subsequently, the CPU 10 determines whether or not there is an area in the storage device 8 that can roughly store data. If there is a storage area, then it is determined whether or not the time has come to collectively transmit the data to the host computer 6.

Here, if there is no more storage area in the storage device W18 or if time 0 has arrived at which data is to be transmitted all at once to the host computer 6, the data stored in the storage device 8 will be transferred all at once to the host computer 6. The host computer 6 performs aggregation processing and the like. The reason why data is transmitted all at once to the host computer 6 in this way is to improve communication efficiency and reduce the load on the host computer 6.

Next, suppose that the above-mentioned customer goes shopping in another department within the store, such as a food department. The operator inputs, for example, the product code and amount data from the keyboard 3, and inserts the customer's credit card 5 into the card reader 2 in the same manner as in the second series. In response, the CPU 10 searches the storage device 8 based on the card number data included in the card data. In this case, the card number data that matches the card number data included in the card data is stored in the memory 'a8.
It is determined that it is stored in . Next, CPU1
0 reads transaction permission data corresponding to the card number data from the storage device 8 and displays it on the display 4,
Transaction data including a product code and an amount of money 1-5 is added and stored in the storage device 8.

The operator performs credit payment processing or cash payment processing based on the transaction availability data displayed on the display 4. In this case, the time required for the transaction is shortened because the payment process is performed without asking the host computer 6 to confirm whether or not the transaction is possible.

[Effects of the Invention] As described above, according to the present invention, a storage means capable of storing at least card data and transaction propriety data for each card data is provided, and each time card data is read, It is determined whether or not card data that matches the card data is stored in the i2 storage means, and if card data that matches the card data read from the card is stored in the storage means, the card data that matches the card data is stored in the storage means. Read the transaction availability data corresponding to the card data, and if the card data matching the card data read from the card is not stored in the storage means,
Transmits transaction availability data to the host computer,
Since the transaction propriety data transmitted from the host computer is stored in the storage means along with the card data, when the same customer performs a transaction, the transaction processing is performed without transmitting the data to the host computer. This reduces the time required for processing and improves processing efficiency. Furthermore, since the load on the host computer is reduced, it becomes possible to use idle time to carry out processing.

[Brief explanation of drawings]

FIG. 1 is a diagram illustrating the operation of an embodiment of the present invention. FIG. 2 is a diagram showing the configuration of a transaction processing system including a CAT to which an embodiment of the present invention is applied. FIG. 3 is a schematic block diagram showing the electrical configuration of the CAT shown in FIG. 2. In the figure, 1 is a CAT, 2 is a card reader, 3 is a keyboard, 4 is a display, 5 is a credit card, 6 is a host computer, 8 is a storage Rib, 10 is a CPtJ, 1
1 is a transmission processing unit, 12 is a storage device interface, 1
3 indicates a ROM, and 14 indicates a RAM. Figure 1 City tour flow diagram

Claims (1)

[Scope of Claims] A card transaction processing device including a reading means for reading card data from a card used in a transaction, and a data transmission means for exchanging data with a host computer, at least card data and the card data. storage means capable of storing transaction propriety data for each transaction; and determination means for determining whether card data matching the read card data is stored in the storage means each time card data is read by the reading means. , in response to the determination means determining that card data matching the card data read by the reading means is stored in the storage means, transaction propriety data corresponding to the card data from the storage means; readout control means for controlling the readout of the host; in response to the determination by the determination means that card data matching the card data read by the reading means is not stored in the storage means; a transmission control means for controlling a computer to request transmission of transaction propriety data; and in response to the transmission means receiving the transaction propriety data from the host computer, transmitting the transaction propriety data and the card data. A card transaction processing device comprising a write control means for writing into the storage means.