JPS63265361A - Collation system for credit card - Google Patents

Abstract

PURPOSE:To quickly call a center by reading a second telephone number of the center out of a memory means and carrying out an automatic dialing action in case no response is received from the center even after the automatic dialing action. CONSTITUTION:A memory circuit 20 is retrieved based on a credit company number recorded on a credit card and a telephone number is read out. This number is automatically dialed via a dial pulse production circuit 22. Thus a center 16 corresponding to the card is called out. When the no-response frequency of the center 16 exceeds a set level, the second telephone number of the credit company is called via the circuit 20. Then the center 16 is called.

Description

[Detailed Description of the Invention] (a) Industrial Application Field This invention is applicable to the following applications: whether the credit card presented by the customer is a card of a transaction credit company, and whether the customer is a registered principal (member principal) of the above-mentioned company. This invention relates to a credit card verification method that performs verification such as.

(b) Conventional technology Traditionally, as a credit card verification device,
0-24180, and a telephone device for automatically dialing telephone calls by card is disclosed in Japanese Patent Application Laid-open No. 13807/1983.

(c) Problems to be solved by the invention If a credit card verification device is configured using these disclosing devices, even if a transaction occurs and card data is transmitted to the center, the center will not be able to communicate with others. If a call is in progress, the transmission operation must be terminated and then restarted after a certain period of time, which poses the problem of making the operation very cumbersome and time-consuming.

The object of the present invention is to provide a credit card verification method that enables quick center call processing.

(d) Means for Solving the Problems The credit card verification method of the present invention magnetically records at least the credit company number and each month of membership on the credit card, and the terminal includes a card reader that reads the data on the card; Keyboard for entering data such as transaction amount,
It is equipped with a storage means for storing a plurality of telephone numbers corresponding to credit company numbers, an automatic dialing means for performing automatic dialing, and a control means for controlling these, and the terminal is connected to each center of a plurality of credit companies via telephone lines. the control means reads the telephone number M by searching the storage means with the credit company number recorded on the card;
A credit card verification method in which the automatic dialing means is used to dial the center using full means to call the center, and based on the response from the center, it is determined whether the card can be handled or not, and the automatic dialing means automatically dials the center and there is no response from the center. If so, the second telephone number of the center is read from the storage means and automatic dialing is performed using the second telephone number.

(e) Operation The credit card verification method of the present invention searches the storage means using the credit company number recorded on the card, reads out the telephone number, dials the center corresponding to the card using the automatic dialing means, and calls the center. If there is no response from
Execute automatic dialing with the second telephone number of the center to call the center J0 (to) Effects of the invention According to this invention, in center verification, if there is no response even if the center is called with the first telephone number subsequently auto-dials the center with a second phone number, so that, for example, if the center's first phone line is busy, the center can be called on the second phone line. For example, compared to once ending the center verification process because there is no center response with the first phone number, and then executing the center verification process again with the second phone number, the process is faster. This has the effect of significantly reducing the time and effort required for input operations, and speeding up card verification processing.

(G) Embodiment of the Invention An embodiment of the invention having the above characteristics will be described in detail below with reference to the drawings.

The drawings show a credit card verification system, and FIG. 1 shows a card verification device 1 which is a terminal.

The credit card (
The card (hereinafter referred to as a card) 2 is provided with general card data for a credit card in a visible and readable manner, and is also provided with a magnetic stripe 3, which indicates the correspondence between the person and the card. Necessary data such as a personal identification number for authentication, the company number of the credit company, the card holder's membership number at the credit company, the expiration date of the card, and the credit balance given to the card carrying stand are magnetically recorded.

In the above-mentioned card verification device 1, reference numeral 4 denotes a card insertion groove, and a card reader (not shown) is provided inside the card insertion groove 4. When the operator scans the card 2 by hand into the card insertion groove 4, the magnetic stripe 3 is read. Card data is read.

Reference numeral 5 denotes a display device, on which necessary items described later are displayed. 6 is a numeric keypad on which the product code, product price, etc. are entered. 7 is a function key, 7a specifies the product price, 7b specifies the product code, 7C specifies the membership number, 7d specifies the credit company, and 7
e is operated when resending card data.

Note that the keys 7a to 7d are pressed and then the numeric keypad 6 is pressed to input the numbers as their respective designated items.

Further, the keys 7c and 7d are used for manual input when the aforementioned card reader is out of order.

8 is a printer on which transaction data and other card data are printed. 9 is a power switch.

A keyboard 10 is connected to the above-mentioned card verification device 1, and this keyboard 10 is used by the customer to input a personal identification number, so that the llI! It is provided with a numeric keypad 11 for incrementing the ID number, a digit number display lamp 12 for displaying the number of input digits, a permission lamp 13 for displaying input permission, and a re-input instruction lamp 14 for instructing re-input.

Note that an instruction message may be displayed below the permission lamp 13 and the re-input instruction lamp 14.

An external memory device 15 is connected to the above-mentioned card verification device 1, and this external memory device 15 is used as data when withdrawing the transaction amount from a financial institution, and for this purpose, transaction data and card data are stored. Remember.

The card verifier 1 configured as described above is connected to the center.

FIG. 2 shows the display surface of the above-mentioned display device 5, and shows the area 5a.
indicates the code number of the product, and area 5b displays the price of the product in numbers.

Areas other than the above-mentioned areas 5a and 5b are displayed by lamps, and in area 5C, when the reading of the card 2 is OK, input is possible is displayed on keys 6.7 of the card verifier 1 and key 11 of the keyboard 10, and the area 5d displays this when there is an error in reading the card 2.

Area 5e is displayed when the input password is OK, and area 5f is displayed when the input is in error.

Area 5g displays that data is being transmitted to the center and is being verified, and area 5h displays that it is impossible to match the rank due to unavailable lines or other reasons.

As a result of the inquiry to the center, area 51 displays whether credit cards can be accepted, and area 5j displays that credit cards cannot be accepted.

The card data is retransmitted to area 5, and if it is an error, it is displayed.

FIG. 3 shows a control circuit device that connects the card collation device 1 and the center 16 of the terminal, the control circuit 17 controls each circuit device, and the numeric keys 11J3J and display lamps 12 to 14 of the keyboard 10 are controlled by the numeric keypad. It is connected to the aforementioned υ control circuit 17 via a circuit 18.

The card reader 19 is provided in the card insertion groove 4 of the card verifier 1 described above and reads card data magnetically recorded on the card 1.

The memory circuit 20 stores the card data read by the card reader 19 and the transaction data input by the operator, as well as the telephone number of the credit company and the product code, and is read out as necessary.

In the buffer register 21, the telephone number of the credit card company to be referred to is read out from the memory circuit 20 and stored therein, and the dial pulse forming circuit 22 generates a dial pulse corresponding to the above-mentioned telephone number.

The transmission control circuit 23 connects the card verifier 1, which is a terminal, and the center 16 via a telephone line of a telephone office 24.

The quaternary counter 25 counts the number of input errors in the password entered by the customer using the keyboard 10, and outputs a signal to stop handling when the number of input errors reaches, for example, three times.

The octal counter 26 calls the center 16 with a dial pulse by the dial pulse forming circuit 22.

If the connection is made to the center 16, the number of times it is not connected to the center 16 is counted, and when this number reaches, for example, five times, the center 16
The flowering process will be stopped and it will be treated as impossible to make in time.

A timer 27 measures the ringing time in order to cope with busy situations or connection failures, and if the center 16 is not connected by the time the timer expires, the repeat dial pulse forming circuit 22 automatically dials.

Note that although one center 16 is shown in the figure, this center 16 is installed for each credit company and is equipped with member registration data, and upon receiving an inquiry from a terminal (force ID verification device), the center 16 can determine the membership number. is searched from the file, the registered data is read out, and based on the product code and amount transmitted from the terminal, it is determined whether the transaction is possible or not, and the result is returned to the terminal.

FIG. 4 shows the storage contents in the aforementioned memory circuit 20, where an area 20a stores card data read by the card reader 19, and an area 20b stores the key 6 of the main body 1.
．． 7 stores data input by the operator and data input by the customer from the keyboard 10, that is, key manual data.

Area 20c stores the credit card company number and the phone number of the company corresponding to that number. If there are multiple phone numbers, those numbers are stored, and if it is a representative number, that number is stored, and the credit card company number The telephone number is read by accessing the telephone number.

In area 20d, product codes and allowable transaction amounts are stored in association with the product codes. The above-mentioned allowable transaction amount is such that when selling a product, if it is less than the set amount, the transaction is allowed without the need to contact the center 16 to see if it can be sold.For example, in the case of precious metals, the transaction is not allowed because the price is high Set the amount.

Note that it is not necessary to register a product code for products for which there is no need to set a permissible transaction amount, that is, products for which there are no restrictions on sales.

If the area 20e cannot be matched with the center 16,
Store data organized for inquiries in the center 16,
It is read out when resetting the timing.

Therefore, when making a second inquiry, the customer's password input and the operator's key input are omitted.

To explain the verification operation with reference to FIG.
E number, credit] Data such as company number, member number, valid W3 limit, credit balance, etc. are read and stored in area 20a of memory circuit 20.

In reading the card data, if there is a reading error in a data check such as a parity check, a read error is displayed in the area 5d of the display device 5, and the card is read again.

When reading the card data is OK, the credit company number is read from the card data, and the memory circuit 2
0 area 20c is accessed to determine whether the company is a handling company or not.

If the company does not handle the above judgment results, display device 5
A message indicating that the card cannot be handled is displayed in the area 5j, the card data is printed by the printer 8, and the collation operation is completed.

However, if the company is a handling company, key-in is permitted unless it is another center appointment, and key-in allowed is displayed in area 5C of display device 5.

The key operations between the operator and the customer are carried out in parallel, and the operator inputs the product code and price that the customer wants using the function key 7 and the numeric keypad 6.
These product codes and amounts are displayed in area 5a of display device 5.
, 5b, and is also displayed in area 20b of memory circuit 20.
is memorized.

Based on the lighting of the permission lamp 13 of the keyboard 10, the customer uses the numeric keypad 11 to memorize the dark i! 1Eff
Input the number i, and the digit number display lamp 12 displays the number of input digits.

Next, the entered PIN is the DR read from the card.
The correspondence is determined by comparing it with the UM number, and if the correspondence is not recognized, it is assumed that an input error has been made by the customer, and the quaternary counter 25 counts the number of input errors.

If the number of input errors is within the set number, re-input is permitted, and the customer re-enters the password based on the lighting of the re-input instruction lamp 14 on the keyboard 10.

When the customer's input error reaches the set number of times, the area 5f of the display device 5 displays NG of the password, the printer 8 prints the card data and the password input error, and ends the collation operation.

It should be noted that if the I1m1st input error is corrected within the set number of input errors, OK for the password is displayed in the area 5e of the display device 5.

When the correspondence between the card 2 and the customer is confirmed, it is then determined whether the product code and its price need to be verified by the center 16.

That is, the area 20d of the memory circuit 20 is accessed based on the product code input by the operator, the permissible transaction amount for the corresponding product code is read out, and the necessity of checking with the center 16 is determined based on the amount input by the operator.

If the product code and amount do not require verification in the center 1.6, the credit balance of the card is checked, and if the balance is greater than or equal to the set balance, handling is permitted, and the display indicates that handling is possible in area 51 of display 5A. The handling data such as the current date, credit company number, member number, product code, and amount is stored in the external memory device 15 and also printed and recorded by the printer 8, thereby completing the verification operation.

In determining whether verification is necessary, if verification is required with the center 16, "Center verification in progress" is displayed in area 5g of display r15, and access is made from area 20C of memory circuit 20 based on the credit company number of the card data. The telephone number of the relevant credit company is read out and stored in the buffer register 21, and the dial pulse forming circuit 22 generates a Daicel pulse for that telephone number to call the credit company's center 16 via the telephone office 24.

At the same time, timer 27 is set.

When the above-mentioned timer 27 times up, it is determined whether there is a response or not. If there is no response, the dial pulse forming circuit 22 generates a dial pulse again when the number of calls to the center 16 is within the set number of times. call.

When the number of no responses from the center 16 exceeds a set number of times, it is determined whether the telephone number is the first telephone number, and if it is the first telephone number, the second telephone number of the corresponding credit company is determined.
The second telephone number is read from the area 20c of the memory circuit 20, and the center 16 is called with this second telephone number.

If there is no response from the center 16 within the set number of calls using this telephone number, the handling data described above is stored in the area 20e of the memory circuit 20 in preparation for a retransmission request, and the data is stored in the area 5h of the display device 5. The matching operation is ended by displaying that the time cannot be matched.

In determining the presence or absence of a response when the timer 27 times up, if there is a response from the center 16, the organized handling data is transmitted as a makeshift message.

The center 16 searches the file based on the handling data, reads the registered data, determines whether the file can be handled, and sends the result back to the terminal.

If the judgment result is not acceptable, a message indicating that the product cannot be handled is displayed in the area 5j of the display device 5, and the handling data is printed and recorded on the printer 8, and the verification operation is completed.

However, if the determination result is that the product can be handled, it is displayed in the area 51 of the display device 5, and the handling data is stored in the external memory device 15 and is also printed and recorded by the printer 8, thereby completing the verification operation.

In the above-mentioned verification operation, if the time cannot be determined because the center 16 is busy, insert the card 2 into the card insertion groove 4 of the card verification device 1 and press the function key 7.
Press the resend key 7d.

The card data of the card 2 is read in the same way as before, and after a data reading check and a check as to whether the card is a handling company based on the credit company number, a retransmission request is checked.

In the case of retransmission, the area 20e of the memory circuit 20 is searched for handling data based on the recredit company number and membership number, and if handling data is found, it is read out and the handling data in the area where it was stored is retrieved. to erase.

Then, the above-mentioned calling and inquiry of the center 16 is performed based on the above-mentioned read handling data.

In the case of retransmission, key-in by the operator and customer is omitted by processing as described above.

In the correspondence between the configuration of the present invention and the above-described embodiments, the keyboard corresponds to the numeric keypad 6, the function keys 7, and the keyboard 10, the storage means corresponds to the memory circuit 20, and the automatic dialing means corresponds to the dial pulse forming The means 1111 corresponds to the circuit 22, the means 1111 corresponds to the control circuit 17, and the other parts correspond to the same component names in the embodiment, but the present invention is not limited to the configuration of the embodiment described above.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention, FIG. 1 is a perspective view of a card collation device, FIG. 2 is an explanatory diagram showing the display area of the display device, FIG. 3 is a circuit block diagram of ItilJt11, and FIG. 4 is a memory FIG. 5, which is an explanatory diagram showing the storage area of the circuit, is a flowchart. 1...Card verifier 2...Card 6...Numeric keypad 7...Function key 10...Keyboard 16...Pink 20...
・Memory circuit 24...Telephone office 17...111
m circuit 19...Card reader 22...Dial pulse forming circuit Fig. 2

Claims (1)

[Claims] (1) At least the credit company number and membership number are magnetically recorded on the credit card, and the terminal includes a card reader to read the data on the card, a keyboard to input data such as transaction amount, and multiple devices corresponding to the credit company number. The terminal is provided with a memory means for storing the telephone number of the client, an automatic dialing means for performing automatic dialing, and a control means for controlling these, and the terminal is connected to each center of a plurality of credit companies via a telephone line, and the control means is A credit card verification method in which the storage means is searched using the credit company number recorded on the card to read out the telephone number, the automatic dialing means dials and calls the center, and based on the response from the center it is determined whether or not the card can be processed. The credit card is characterized in that when the automatic dialing means automatically dials the center and there is no response from the center, the second telephone number of the center is read from the storage means and automatic dialing is executed using the number. Card verification method.