JPS63205763A - Credit transaction system based on card - Google Patents

Abstract

PURPOSE:To rapidly confirm the credit of a card by interrupting credit transaction when no credit in the card is confirmed by a credit confirming device at the time of executing credit transaction by a cash register, and allowing another cash register to reconfirm the credit of the card based on up-to-date credit information through a credit confirming device. CONSTITUTION:A control device 1 controls the up-to-date credit information of a card and outputs the credit information. The credit confirming device 2 stores the credit information inputted from the device 1 and answers credit confirmation outputted from the cash register 3. At the time of confirming no credit in the card, the cash register 3 allows an interrupting means 4 to interrupt credit transaction. A reconfirming means 5 in the cash register 3 reconfirms the existence of credit in the card to the control device 1 through the credit confirming device 2. Consequently, the credit of the card can be rapidly confirmed and the efficiency of service and transaction processing for customers can be improved.

Description

DETAILED DESCRIPTION OF THE INVENTION (Summary) The present invention provides a system for credit transactions using cards, in order to quickly confirm the credit of the card and improve service to customers. When the device confirms that the card is not reliable, the credit transaction is interrupted and the credit of the card is reconfirmed based on the latest credit information via a credit confirmation device using another cash register.

(Industrial application field) The present invention relates to a credit transaction system using a card.

Recently, when asking a customer to pay for a product, etc.,
The number of credit transaction methods that do not involve cash, such as credit cards and IC cards, is increasing. Some cash registers also have the ability to process these cards. When conducting credit transactions using this cash register, it is necessary to quickly confirm the creditworthiness of the card in order to ensure payment collection. There is a particularly strong demand for this in department stores, supermarkets, etc. that do business with a large number of customers.

[Conventional technology]

A conventional credit transaction system using a card is comprised of a plurality of cash register machines called PO8 terminal devices and a host device that processes monetary information from the cash registers. When conducting credit transactions using a cart, the creditworthiness of the card is confirmed each time by telephone etc. with the card issuer, and when the creditworthiness of the card is confirmed, the transaction is continued.
For example, when it is confirmed that a card is not creditworthy due to unpaid payments for previous transactions, etc., the customer is informed that credit transactions cannot be made using that card.

[Problem that the invention seeks to solve]

However, with such conventional technology, when conducting a credit transaction using a card, the issuer of the cart must be contacted each time to confirm whether or not the card is creditworthy. This was time-consuming, and customers were forced to wait during that time, resulting in poor customer service and poor transaction processing efficiency.

This invention was made by focusing on such conventional problems, and it is a credit card system that can quickly confirm the creditworthiness of a card, improve customer service, and improve the efficiency of transaction processing. Its purpose is to provide a trading system.

[Means for solving problems]

In order to achieve this object, the present invention includes a management device 1 that manages the latest credit information of the card and outputs the credit information, as shown in the principle diagram of the invention in FIG. , a credit confirmation device 2 that holds the credit information input from the management device 1 and responds to confirmation of the presence or absence of credit, and a credit confirmation device 2 that is connected to the credit confirmation device 2 and that
an interruption means 4 for suspending the credit transaction when it is confirmed that the card is not trustworthy; A credit transaction system using a card is constructed by including a cash register 3 equipped with a card.

(Operation) Next, the present invention will be explained in detail based on the principle diagram of the invention shown in FIG.

The management device 1 manages the latest credit information of the card and outputs the credit information. The credit confirmation device 2 holds the credit information input from the management device 1, and also has a cash register 3.
Respond to credit verification from. The cash register 3 performs a credit transaction when it is confirmed that the card is creditworthy. On the other hand, when the cash register 3 confirms that the card is not creditworthy, the interrupting means 4 interrupts the credit transaction. Then, the reconfirmation means 5 of the cash register 3 reconfirms whether or not the credit card is credited to the management device 1 via the credit confirmation device 2.

Therefore, when the credit of the card cannot be confirmed by the cash register 3, the credit transaction is interrupted by the interrupting means 4, and the credit transaction is managed via the credit confirming device 2 by the reconfirming means 5 of the other cash register 3'. By having the device 1 reconfirm the credit of the card, the credit of the cart can be quickly confirmed and the efficiency of customer service and transaction processing can be improved.

〔Example〕

Hereinafter, one embodiment of the present invention will be described based on the drawings.

FIG. 2 is a block diagram of a card-based credit transaction system, which is used in a department store, supermarket, etc. that sells a wide variety of products to a large number of customers.First, the structure will be explained.

Reference numeral 1 denotes a management device installed at a head office, etc., which periodically reads out the credit information from a magnetic disk device 12 that holds the latest credit information of cards such as credit cards and IC cards in a master file format, and which will be described later. The host processor 1 outputs data to the processor 21 of the credit verification device 2 via the communication line 13. Reference numeral 2 denotes the credit confirmation device installed at the branch, and a magnetic disk device 22 that holds credit information of cards sent periodically from the host processor 11 of the management device 1 via the communication line 13 in a file format. and multiple cash register machines described later 3.3
and a processor 21 that responds to a card credit confirmation command from '. 3 is the cash register called a PoS terminal installed near the entrance of the branch;
It is connected to the credit confirmation device 2 via a cable 31. This cash register 3 includes a card key, coupon key, cash key that indicates the type of transaction, a credit confirmed key that indicates that the credit of the cart has already been confirmed, and a credit confirmation key that indicates that the credit of the card is to be confirmed again. It is composed of a keyboard section such as a reconfirmation key for giving instructions, a printer mechanism section that issues a contract waiting receipt, a credit confirmation receipt, etc., and a control section. In particular, when conducting a credit transaction using a cart, the presence or absence of credit of the card is checked with the credit confirmation device 2, and when it is confirmed that the card is creditworthy, the credit transaction is performed. However, when the credit confirmation device 2 determines that the card is not trusted, the transaction is automatically interrupted by the operation of the built-in control section, and when the reconfirmation key is operated, the control section is activated. Therefore, the management device 1 reconfirms whether or not the credit card is credited based on the latest credit information via the credit confirmation device 2. 3' is a cash register having the same configuration as the cash register 3, and this cash register 3' is installed at a service counter in the store. Whenever the cash register machine 3 could not confirm that the card was creditable during a transaction using the cart, the creditworthiness of the card was reconfirmed with the management device 1 via the credit confirmation device 2 each time. Inefficient transaction processing. Therefore,
When the credit confirmation device 2 cannot confirm the creditworthiness of the card during a transaction at the cash register 3, the transaction is automatically interrupted and the transaction is reconfirmed at another cash register 3°. This is what I did. Then, the cash register 3'' quickly reconfirms whether or not the card is creditworthy.

32 and 33 are operators of the cash register 3, and 34 are operators of the cash register 3'. 35.35゛...
36.36'... Those lined up in front of the cash register 3 are customers. However, the customer 36 is a person whose transaction was interrupted because it was confirmed that the card he presented to the operator 33 was not reliable.

FIG. 3 shows the data format of the credit confirmation command when the cash register 3.3'' confirms the creditworthiness of the card with the credit confirmation device 2 and the management device 1. section 17. The header section 16 indicates to which of the credit confirmation device 2 or the management device 1 the card account number stored in the data section 17 is to be transmitted.

That is, if the value of 0 is set in the header part 16, the data part 17 is transmitted to the credit confirmation device 2, whereas if the value of 1 is set in the header part 16, the data part 17 is transmitted to the credit confirmation device 2. The processor 21 of the credit confirmation device 2
This indicates that the data is transmitted to the host processor 11 of the management device 1 via the host processor 11 of the management device 1.

The operation of the card-based credit transaction system having the above configuration will be explained based on the processing flowchart of the cash register 3 shown in FIG. 4 and the processing flowchart of the cash register 3' shown in FIG.

When the customer 35 indicates his/her intention to pay for the purchase of the product by card, the operator 32 sets the card and operates the card key. Then, the cash register 3 starts its processing based on the flowchart shown in FIG.

The cash register 3 is operated by the operator 32 in the step 51 loop.
Waiting for type selection operation from .

Therefore, when the operator 32 operates the card key as described above, the process exits the loop of step 51 and proceeds to step 52, where the type of transaction operated by the operator 32 is determined. If it is determined through this determination process that the card has been selected, then in step 53 it is determined whether the creditworthiness of the card has already been confirmed or not, and in step 54
It is determined whether the credit of the card is to be reconfirmed. however,
Since the operator 32 has not operated the confirmed key and the reconfirmation key, the cash register 3 proceeds from step 52 to step 53, step 54, and further to step 55. In step 55, in order to ensure payment collection, the processor 21 of the credit confirmation device 2 is inquired as to whether or not the card is creditworthy.

First, the cash register 3 transmits a credit confirmation command in which the account number of the card is set in the data section 17 and O is set in the header section 16 in accordance with the format of the credit confirmation command shown in FIG. When the processor 21 receives the credit confirmation command from the cash register 3, the processor 21 transfers the credit information corresponding to the account number in the data section 17 of the credit confirmation command received from the cash register 3 to a file in the magnetic disk device 22. Search for , and check whether there is credit, specifically whether there is a deposit balance in the account. Then, the processor 21 returns the confirmation result of the presence or absence of trust to the cash register 3.

Therefore, in step 56, the cash register 3 checks the credit confirmation device 2.
Upon receiving that the card is credited, step 58
The process proceeds to step 51, performs a predetermined transaction process, returns to step 51, and repeats the same process as described above. Incidentally, when the cash transaction key or the coupon key is being operated, the process proceeds from step 52 to step 59, performs a predetermined transaction process, and returns to step 51. However, if it is determined in step 56 that the card is not trusted, the process proceeds to step 57, where the printer mechanism issues a contract-waiting receipt and suspends processing for the customer.

Then, the process returns to step 51 and the same process as described above is started for the next customer.

Therefore, as assumed above, when the contract receipt is issued from the cash register 3, the operator 33 determines that there is no trust in the cart, hands the card and the contract receipt to the customer 36, and provides the customer 36 with service. - Notify you to reconfirm your cart at the counter. Then, the operator 33 similarly starts processing for the customer 36' who is next in line after the customer 36.

On the other hand, when the customer 36 arrives at the service counter, he presents his card and contract receipt to the operator 34. Then, the operator 34 sets the card in the cash register 34 and operates the reconfirmation key.

Then, the cash register 3' starts its processing based on the flowchart shown in FIG. 5, and proceeds from step 51 to step 52, step 53, step 54, and further to step 59. Step 59 is a process of reconfirming the presence or absence of credit for the card with the host processor 11 of the management device 1 via the processor 21 of the credit confirmation device 2.

The cash register 3' stores the account number of the card in the data section 1 according to the format of the credit confirmation command shown in FIG.
7, and information with the header section 16 set to 1 is transmitted. When the processor 21 receives the credit confirmation command from the cash register 3, since 1 is set in the header, the processor 21 sends the credit confirmation command received from the cash register 3 to the host via the communication line 13. - Transmit to processor 11.

The host processor 11 searches the latest master file stored in the magnetic disk device 12 for the credit information corresponding to the credit confirmation command received from the processor 21, and determines whether or not the cart has trust, specifically, the credit confirmation command. It is investigated whether there is a deposit balance in excess of the purchase price in the account corresponding to the account number stored in the data section 17 of. The host processor 11 then returns the card credit confirmation result to the cash register 3' via the processor 21. At this time, processor 21 is host processor 1
The file in the magnetic disk device 22 is updated to the latest state based on the card credit confirmation result from 1.

Therefore, in step 60, the cash register 3' confirms whether or not the final card received from the management device 1 via the processor 21 is trustworthy. At this time, if the cart has trust,
Proceeding to step 61, the credit confirmation receipt is printed out, predetermined continuing transaction processing is performed, and the process returns to step 51. However, if it is confirmed that the card is not trusted again, the transaction is stopped and the process returns to step 51.

The service counter operator 34 is the cash register 3'
When a credit confirmation receipt is printed out from
The card and the above-mentioned credit confirmation receipt are handed over to the customer, and the customer is notified to process the transaction at the original cash register 3. Then, when the operator 34 confirms that the card has no credit, it notifies the user that transactions using the curve cannot be performed.

Upon returning from the service counter and arriving at the cash register 3, the customer 36 presents the card and credit verification receipt to the operator 33. Then, the operator 33 recognizes that the card is reliable through reconfirmation, sets the card in the cash register 3, and operates the confirmed key.

Then, the cash register 3 starts its processing based on the flowchart shown in FIG.

Since the cash register 3 is waiting for the type selection operation from the operator 33 in step 51, when the operator 33 sets the card and operates the confirmed key, the process proceeds to step 5.
1 is selected, and the process proceeds from step 52 to step 53. In step 53, it is determined whether the credit of the card has already been confirmed, that is, whether there is credit. As described above, the card (effect of the invention) As explained above, according to the present invention, when the credit confirmation device cannot confirm the credit of the card, the cash register machine suspends the transaction and the above-mentioned Since the management device reconfirms the card's credit based on the latest credit information via the credit confirmation device, the credit of the card can be quickly confirmed by reconfirming with another cash register. , it is possible to provide a card-based credit transaction system that can improve customer service and transaction processing efficiency.

[Brief explanation of the drawing]

Fig. 1 is a diagram of the principle of the invention, Fig. 2 is a configuration diagram of a credit transaction system using a card according to an embodiment of the invention, and Fig. 3 is a diagram showing the arrangement between the cash register shown in Fig. 2 and a credit confirmation device. Data format of credit confirmation command when performing credit confirmation,
FIG. 4 is a processing flowchart of the cash register shown in FIG. 2, and FIG. 5 is a processing flowchart of the cash register 3" shown in FIG. 2. 1. Management device 2. ...Credit confirmation device 3.3'...Cash register 4...Interruption means 5...Reconfirmation means Patent applicant Fujitsu Limited 11, representative Patent attorney Sada Igeta, “゛、−
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Claims (1)

[Scope of Claims] A management device (1) that manages the latest credit information of a card and outputs the credit information; A responding credit confirmation device (2) is connected to the credit confirmation device (2), and the credit confirmation device (2) is connected to the credit confirmation device (2).
Interrupting means (4) for suspending the credit transaction when it is confirmed in step 2) that the card is not trustworthy, and the management device (1) via the credit confirmation device (2) confirming whether or not the card is trustworthy. A cash register (5) equipped with reconfirmation means (5) for reconfirming the
3) A credit transaction system using a card, comprising: