JPH06309567A - Credit card processor - Google Patents

Abstract

(57) [Summary] [Purpose] Regarding processing credit card transactions,
An object of the present invention is to provide a credit card processing device that allows a user to select a card issuing company for each transaction for credit cards issued by a plurality of card issuing companies in cooperation. [Structure] The transaction processing unit 11 reads the record of the credit card, and if there is at least the identification number of a plurality of card issuing companies, the transaction processing unit 11 notifies the transaction selection unit 12 of the identification number. Requesting the selection of the identification number, communicating with the center system determined by the identification number selected by the supplier selecting unit 12 to execute the margin transaction processing, and the supplier selecting unit 12 causes the transaction processing unit 11 to execute the margin transaction. When the selection of the identification number is requested, the card issuing company name determined by each identification number is displayed on the output unit 13, and when the input of the one card issuing company name is received from the display of the output unit 13. The identification number corresponding to the designated card issuing company name is passed to the transaction processing unit 11 as a selection result.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit card processing device such as a POS terminal device for processing a transaction by a credit card, and particularly a credit card issued by a plurality of card issuing companies in cooperation with each other. The present invention relates to a credit card processing device that a user can select.

[0002]

2. Description of the Related Art A user's membership number and the identification number of one or more card issuing companies are recorded on a so-called magnetic stripe from a credit card, and the record is read, and the amount of the product for sale entered by the operator. A terminal device such as a POS that communicates with a required center system to perform margin transaction processing based on information about the information and the read record is well known.

FIG. 2 shows an example of the configuration of such a credit transaction system, in which a terminal device 1 is connected to an appropriate communication network 3 so that the terminal device 1 can be connected to and communicate with a required center system 2.

Each terminal device 1 is provided as a kind of so-called POS terminal for each store, each sales floor, etc., and has a processing unit 4, an input unit 5, and an output unit 6. In the input section 5,
It is provided with necessary input means such as a card reader for reading the magnetic stripe of the credit card as described above, input keys for numbers and the like, and a bar code reader if necessary.

The output unit 6 is provided with a display device having a display surface such as a liquid crystal display and a printing device for printing slips and the like.
Information input from the input unit 5, necessary guidance and the like are displayed.

The processing unit 4 executes a necessary transaction processing program, and outputs various information necessary for the execution, such as company name, payment category, telephone number of center system, etc. for each identification number of the card issuing company. The company code table shown is stored and held in an appropriate magnetic disk device or the like. FIG. 3A is a diagram showing a configuration example of one record in the company code table.

If the processing unit 4 is activated by, for example, a key input by the operator and the input is credit designation,
As shown in (a), the display of "credit" is output to the output unit 6, and then a message prompting the user to pass the credit card through the card reader is displayed, such as "card scan".

Then, when the operator passes the credit card deposited by the card user through the card reader, the processing unit 4
Drives a card reader to read and input information on the magnetic stripe of the card.

The recording of the card to be read is, for example, as shown in FIG.
As shown in (b), it is the data of the record structure consisting of the identification number of the card issuing company, the member number of the user, the expiration date and other member information, etc. Multiple records with the same structure are recorded for each card issuing company.

Therefore, the processing unit 4 indexes the above company code table by the identification number read from the card, and if there is a record of the corresponding identification number, the card issuing company is set as the trading partner. At this time, in the case of a partner card, the company code table is indexed by sequentially picking up the identification numbers in a fixed order determined by the recording position on the card, and the card issuing company that can be searched first becomes the trading partner.

When the supplier card issuing company is determined, the processing unit 4 displays the company name as "B card" in FIG. 4 (c), and then as "SHOHINK BUN", next as the traded product. Output a message prompting you to enter the product category code of
In response to this, the information input by the operator is received.

Thereafter, the processing unit 4 similarly displays a message prompting the user to sequentially input the amount of money to be transferred, the payment category (whether lump-sum payment or installment payment, etc.), and when the necessary items have been input, a collation is performed. Then, it connects to the center system of the card issuing company and sends the membership number read from the card and the entered information to the center system.

On the other hand, when a response indicating that the transaction is possible is received from the center system, the processing unit 4 terminates communication with the center system, creates a record of the transaction content, and outputs a transaction content slip to the printing device of the output unit 6. Then, the processing of the transaction ends.

[0014]

[Problems to be Solved by the Invention] "Rebate service" in which each card issuing company provides its own payment method in order to increase transaction usage, and provides products of user's preference according to the amount of money used. Competing services for card users by developing their own.

Therefore, when the credit card is an affiliated card of a plurality of card issuing companies, there is a request for the user to select the card issuing company for each transaction. In, which of the card issuing companies among the plurality of partner companies is to be the trading partner?
There is a problem that it is left to the processing of the terminal device, and that terminal device is fixed to one of the companies and cannot be selected.

It is an object of the present invention to provide a credit card processing device capable of designating a customer for each transaction in the case of affiliated credit cards of a plurality of card issuing companies.

[0017]

FIG. 1 is a block diagram showing the configuration of the present invention. The figure shows the configuration of a credit card processing device, and a credit card holding a record of a user's membership number and one or more card issuing company identification numbers is inserted into the input unit 10 from the credit card. A transaction processing unit 11 that reads a record and communicates with a required center system to perform a predetermined margin transaction based on the information about the amount of money input by the operator from the input unit 10 and the read record. The device is provided with a supplier selection unit 12.

The transaction processing unit 11 reads the record of the credit card, and if there is at least a plurality of identification numbers of card issuing companies, the transaction processing unit 11 notifies the identification number to the supplier selection unit 12. It requests the selection of the identification number, communicates with the center system determined by the identification number selected by the supplier selection unit 12, and executes the margin transaction processing.

When the transaction processing unit 11 requests the selection of the identification number, the supplier selection unit 12 displays the name of the card issuing company determined by each identification number on the output unit 13, and the display on the output unit 13 is displayed. When an input for designating the card issuing company name of 1 is received from, the identification number corresponding to the designated card issuing company name is passed to the transaction processing unit 11 as a selection result.

[0020]

With the credit card processing device of the present invention, when the credit card has a plurality of affiliated card issuing companies, the company names are displayed and the user is allowed to select them during transaction processing. You can select a company to be a trading partner.

[0021]

EXAMPLE In the credit card processing device of FIG.
The input unit 10 and the output unit 13 may be the same as the conventional input unit 5 and output unit 6 described with reference to FIG. Also, the transaction processing unit
11 holds the company code table similarly to the conventional processing unit 4 except for the following description, and executes the same processing.

That is, the transaction processing unit 11 is activated by, for example, a key input by the operator, and when the input is designation of credit, "credit" is output to the output unit 13 as shown in FIG. 4 (a).
Is displayed, and then a "card scan" message is displayed.

Then, the operator passes the credit card deposited by the card user through the card reader, and the transaction processing unit
11 enters the magnetic stripe information on the card. Therefore, when the records read from the card are a plurality of affiliated cards, the transaction processing unit 11 does not process the identification number of each record by itself and passes them to the transaction selection unit 12. Transaction processing department if there is only one record, not a partner card
11 processes itself as before.

The supplier selection unit 12 shares the company code table with the supplier processing unit 11, searches the company code table by each identification number for all identification numbers passed from the supplier processing unit 11, and If there is a record having an identification number, the company name is read out and displayed on the display device of the output unit 13 as shown in FIG. 4 (b), and then a message like "Card Kaisha Select" is displayed.

Therefore, the operator causes the user to select the card issuing company, and the card issuing company selected by the user, for example, in the order of the display ("B card" in the example of the figure, is selected as "2"). )) With the keys of input unit 10.

Upon receipt of this key input, supplier selection unit 12 returns the identification number determined by the display order and the record read from the company code table to transaction processing unit 11 as a selection result.

When the company issuing the customer card is determined by the above, or when the card is not a partner card, the transaction processing unit 11 displays the company name as "B card" in FIG. 4 (c). Transaction processing proceeds in the same manner as the processing unit 4 of.

FIG. 5 is a diagram showing an example of the flow of processing of the credit card processing apparatus of the present invention. When the transaction processing unit 11 receives a request for credit processing in processing step 20, it outputs "credit" in processing step 21. "Card Scan"
A message is displayed and the magnetic stripe of the credit card that the operator inserts in response is read in process step 22.

In processing step 23, it is identified whether or not there is one record read from the card. If it is one record, in processing step 31, the company code table is indexed by the identification number of the record, and if there is a corresponding record. read out. In processing step 32, it is identified whether or not there is a corresponding record, and if not, an appropriate abnormal processing is started.

In case of plural records, processing step 23
Since the identification numbers in those records are passed to the supplier selecting unit 12 to request selection, the supplier selecting unit 12 indexes the company code table by one of the identification numbers in processing step 25, and the corresponding record is found. If so, that record is read.

When the identification is performed in the processing step 26, the above index is performed for all the identification numbers, and when the processing is completed, the processing step 27 identifies whether there is at least one record corresponding to the identification number, and if there is no record. Then, appropriate abnormality processing is started.

If there is a corresponding record, in process step 28, the company name of each record read from the company code table is displayed on the output section 13, and a "Card Kaisha Select" message is displayed.

Next, when the input of the selected number as described above is received in the processing step 29, the identification number and the record of the company code table held in the order position are returned to the transaction processing section 11 in the processing step 30.

Then, the transaction processing unit 11 displays the company name of the card issuing company determined as the transaction partner on the output unit 13 in processing step 33, displays a message instructing the input items sequentially in processing step 34, and When the transaction contents such as classification, transfer amount, payment classification, etc. are sequentially received, in process step 35, the inquiry is made by connecting to the center system of the card issuing company as in the conventional case.

At the processing step 36, the answer from the center system to the inquiry is identified, and if the response is "transaction is possible", a slip is output at the processing step 37 and the processing ends.

[0036]

As is apparent from the above description, according to the present invention, in the transaction processing by the credit card, when the card has a plurality of affiliated card issuing companies, the company desired by the user is selected in the transaction processing. Since it can be selected and used as a business partner, there is a remarkable effect that a better service can be provided to the user.

[Brief description of drawings]

FIG. 1 is a block diagram showing the configuration of the present invention.

FIG. 2 is a block diagram showing a configuration example of a credit transaction system.

FIG. 3 is a diagram illustrating the structure of a record.

FIG. 4 is a diagram showing a display example during transaction processing.

FIG. 5 is a process flow chart of the present invention.

[Explanation of symbols]

 1 terminal device 2 center system 3 communication network 4 processing unit 5, 10 input unit 6, 13 output unit 11 transaction processing unit 12 supplier selection unit 20 to 37 processing steps

Claims (1)

[Claims] 1. A credit card holding a record of a user's membership number and an identification number of one or more card issuing companies, the record is read from the credit card inserted in the input unit (10), and the operation is performed. A device having a transaction processing unit (11) for communicating with a required center system and performing a predetermined margin transaction based on the information about the amount of money input by the person from the input unit, and the read record. A transaction selection unit (12), the transaction processing unit (11) reads the record of the credit card, and if the record includes at least a plurality of card issuing company identification numbers, The identification number is the supplier selection section
(12) requesting the selection of the identification number, communicating with the center system defined by the identification number selected by the supplier selecting unit (12), executing the margin transaction processing, When the transaction processing unit (11) requests the selection unit to select the identification number, the selection unit (12) displays the card issuing company name determined by each identification number on the output unit (13). When an input for designating one card issuing company name is received from the display of (13), the transaction processing unit (11) selects the identification number corresponding to the designated card issuing company name as a selection result.
A credit card processing device, wherein the credit card processing device is configured to be delivered to the credit card processing device.