JPS60140462A - Credit transactions processing unit - Google Patents

Abstract

PURPOSE:To eliminate limitation of kinds of cards for use by selecting automatically data required for a company issuing the card among read data and transmitting the selected data to the center of the card issuing company. CONSTITUTION:A card reader 5 reads all data recorded on a card, that is, the data stored on magnetic stripes. The data is stored once in a buffer of a memory 7. Then the company code included in the recorded data is decided as to whether it is stored (registered) in the company code table of the data format. When stored (registered), the recorded data on the surface (recorded data recorded on the magnetic stripes) is transmitted to the center of the card issuing company corresponding to the company code.

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field The present invention relates to a credit transaction processing device that performs credit transactions using cards (credit cards, cash cards, etc.) having a magnetic stripe or the like on which data is recorded.

(bl Conventional technology and its drawbacks) With the spread of credit cards, cash cards, etc.
A retail store where credit transaction processing equipment is installed.

Generally, specialty stores and the like are members of multiple card issuers. Additionally, some card issuers assign multiple company codes to their own companies, provide cards they issue with multiple data recording surfaces, and record individual company codes on each data recording surface. The most typical case is that a data recording surface containing a company code used domestically is formed on the front of the card, and a data recording surface containing an internationally used company code is formed on the back of the card. FIG. 1 shows an example in which magnetic stripes 2 and 3, which are data recording surfaces, are formed on both the front and back surfaces of the card. In the figure, 4 is an emboss forming part.

By the way, when a card is accepted by a card reader, a credit transaction processing device installed at a member store selects one of the data recording surfaces and prints the data on that data recording surface. However, since conventional credit transaction processing devices were configured so that they could only read data from the data recording surface formed at a specific position on the card, depending on the type of card, the device There were cases where it was not possible to use the . For example, the first magnetic stripe has a magnetic stripe 2 with a domestic company code recorded on its front side, and a magnetic stripe 3 with an international company code recorded on the back side.
When the card shown in the figure is used, if the credit transaction processing device is configured so that it can only read the recorded data on the front side, the card issuing company that requires data including the international company code will not be able to It becomes impossible to use a credit transaction processing device, and conversely, a credit transaction processing device that can only read data recorded on the back side cannot be used for card issuers that require data including domestic company codes. However, credit transaction processing devices that can only read data from one data recording surface of a card have the disadvantage that the types of cards that can be used are limited.

(C) Purpose of the Invention The purpose of this invention is, when a card with multiple data recording surfaces is accepted, to read out all of the recorded data and extract data necessary for the issuer of the card used from among the data. To provide a credit transaction processing device which can automatically select a card and transmit it to the center of the card issuing company, and which does not limit the types of cards that can be used.

(d) Structure and effect of the invention In summary, this invention uses a device that can read recorded data on all data recording surfaces of cards accepted as a card league, and furthermore, the company code used at the member store is A card issuer data storage means is provided for storing each card issuer separately along with transaction conditions, etc., and when a card is accepted in the card league, a company code corresponding to the issuer of the card used is stored in the card issuer data storage means. The recorded data read from the means and recorded on the data recording surface on which the company code is recorded is selected from the recorded data read by the card reader, and the selected data is transmitted to the center as card data. In other words, all mutually participating card issuers register (record) the company code required for transaction processing at their member stores in advance, and when a card is accepted by a card reader, the company code corresponding to that card issuer is registered (recorded) in advance. A data recording surface containing a registered company code is selected, and the data on the data recording surface is transmitted to the center as card data.

According to this invention, when a card with multiple data recording surfaces is accepted, all the recorded data is read by the card league, and the recorded data is prerecorded in the card issuer data storage means (company code marked B). Since the data recorded on the data recording side containing the It is possible to select the recorded data required by a company and send it to the card issuing company's center.This prevents the situation where the card cannot be used depending on the type of card, and allows mutual access. It is possible to use all types of cards from card issuers that are located in L/7, and when the company code required by the center is changed, it is stored in the card issuer data storage means. Since it is only necessary to change the company code accordingly, it has the advantage of being able to easily respond to changes in the system.

(e) Embodiment FIG. 2 is a block diagram of a control section of a credit transaction processing apparatus which is an embodiment of the present invention, and FIG. 3 is a diagram showing the key arrangement of the keyboard 4 of the control section.

In FIG. 1, the CPU includes a keyboard 4, which will be described later, and a card reader 5, which reads transaction data including the company code recorded on the magnetic stripe of the credit card.
, a PIN pad 6 used for remote input of a PIN number, a display 2 that displays messages necessary for transaction processing, the transaction amount, etc., and a printer 3 that issues a journal printout of transaction details after the transaction is completed. A ROM that is connected as a 10il device and further stores programs;
A memory 7 including a RAM constituting a card issuer data storage means for storing company codes, transaction conditions, etc. for each card issuer, a transmission unit 8 for transmitting data to and from a center (not shown), and a clock for managing time. Mechanism 9
is connected.

As shown in FIG. 2, the keyboard 4 has a set key 2a that is operated when inputting numeric data, an end/execution key 2b that is operated when inputting the transaction amount, etc. is not completed, and a transaction data temporary storage means. It is comprised of a batch transmission key 20 that is operated when transmitting temporarily recorded transaction data in bulk, a numeric keypad 2d, a payment classification key 20 that specifies the payment classification, and a business key 2f that designates the business content.

The card reader 5 is equipped with two reading heads, each located at a position opposite to each magnetic stripe 2, 3, so as to be able to simultaneously read data recorded on both magnetic stripes 2, 3 of the card shown in FIG. will be placed in

FIG. 4 is a block diagram of the main parts of the RAM. The figure shows the company code table for Chine (member company) or Brothers Company. Card issuers that cooperate with each other often have a franchise structure or a brothers company structure, but in this embodiment, the franchisor's company code table 70 and the franchisee or brothers company structure are A company code table 71 of the company is provided. The franchisor company code table 70 has card issuer data storage areas M1 to Mn. Each card company data storage area includes an area IDI that stores an identification code, an entry company code area M1 that stores a company code used by the franchisor (card issuer) to which area M1 is assigned at its member stores, and a center area. The area N2 stores transaction conditions such as telephone numbers and interest rates. Further, the company code table 71 of the franchisee, Brothers Company, has area ID2. Franchisee (FC) or Brothers Company (BC)
FC/BC entry company code storage area NN where the company code used by ) at its member stores is stored.
It consists of Area I of company code table 71
The identification code stored in D2 is for matching with the card issuing company data stored in the company court table 70. For example, the table 71 in which an identification code equal to the identification code stored in area IDI in area Ml is stored in area ID2 is subordinate to the card issuer data of area M1. That is, franchisees or brothers companies with the same identification code conduct transactions according to the franchisor's transaction conditions (stored in area N2).

By linking the franchisor and the franchisee or Brothers Company using the identification code in this way, information regarding the franchisee or Brothers Company only needs to be the company code, and the storage area for storing transaction conditions can be saved.

5(A) and 5(B) respectively show format examples of the front side recorded data and the back side recorded data of the card shown in FIG. 1. In the same figure (A), the starting code of l character is 1.
0. Termination code 13. The check character 14 is used in a data transmission sequence between centers, and the 4-character password 11 is used when entering a password is a transaction condition. Company code 12, which also has 4 characters, is
It is used to identify the issuing company of the card, and in this embodiment constitutes a company code used for domestic use. In addition, in the same figure (B), the starting code of one character is 20.
．． The termination code 23 and check character 24 are used in the data transmission sequence between centers in the same way as above,
The company code 21 is used to identify the card issuing company in the same way as the company code 12, but in this embodiment, it constitutes an international company code. Also member number 2
2 is the membership number of the card owner.

Next, the operation of the credit transaction processing device will be explained with reference to FIG. This figure is a flowchart showing the operations from reading data recorded on the magnetic stripe of an accepted card to transmitting the card data to the center.

First, in step nl (hereinafter step ni is simply referred to as ni), the card reader 5 reads out all data recorded on the card 1, that is, all data recorded on the magnetic stripes 2 and 3. This read data is temporarily stored in a buffer in the memory 7. Next, it is checked whether or not the data on the front surface of the read data, that is, the data recorded on the magnetic stripe 2, has been read normally (n2), and if so, the process proceeds to n3. In n3, the company code included in the data recorded on the surface, that is, the company code 12 of the data format shown in FIG.
Determine whether it is stored (registered) in any table. If it is stored (registered), the recorded data on its surface (recorded data recorded on the magnetic stripe 2) is transmitted to the center of the card issuing company corresponding to the company code (n4).

On the other hand, if the recorded data on the front side could not be read normally in n2 above, or if the company code included in the recorded data on the front side was not found in the table in n3 above, proceed to n5 and read the data recorded on the back side, that is, the magnetic stripe. It is determined whether the data recorded in 3 has been read normally. n2゜If the data on both the front and back sides cannot be read correctly in n5, read nl again.
The process returns to step 5 and drives the card reader 5 to perform re-reading. If the recorded data on the back side can be read normally, the process advances to n6, where, as in n3 above, the company code included in the recorded data on the back side is the company code in the data format shown in Figure 5 (B). It is determined whether code 21 is stored (registered) in table 70 or table 71.

If it is not stored (registered), the process returns to nl. Also, if it is stored (registered), the recorded data on the back side,
That is, the data recorded on the magnetic stripe surface 3 is transmitted as is to the center of the card issuing company corresponding to the company code (nl).

With the above operation, when a card with magnetic stripes on the front and back sides is inserted into a card reader, the data recorded on either magnetic stripe necessary for a transaction can be sent to the center as card data. can.

[Brief explanation of drawings]

FIGS. 1(A) and 1(B) show an example of a card used in the credit transaction processing device of the present invention, with FIG. 1(A) showing the front side and FIG. 1(B) showing the back side. Fig. 2 is a block diagram of the control unit of the credit transaction processing device which is an embodiment of the present invention, Fig. 3 is a diagram showing the keyboard layout, Fig. 4 is a block diagram of the main parts of the memory, and Fig. 5 (A). , (B) is the front surface of the card shown in Figure 1,
Figure 6 showing an example of the format of data recorded on the back side
The figure is a flowchart showing the main part of the operation of the credit transaction processing device. - Card, 2.3 - Magnetic drive surface (data recording surface), 70 - Franchisor company code table, 71 - Franchisee or Brothers Company company code table, M1-1yln - Card issuer data storage area. Applicant Tateishi Electric Co., Ltd. Agent Patent Attorney Hisao Komori Figure 1 Figure 3 Figure 4 Whistle Figure 6

Claims (1)

[Claims] (11) A credit transaction processing device that is installed in a member store of multiple card issuers and processes credit transactions using a card; and a card issuer that has multiple types of company codes. accepts a card which has a plurality of data recording surfaces and on each data recording surface the plurality of types of company codes are recorded together with other data for each company code; A card reader that reads all recorded data, a card issuer data recording means that stores the company code used at the member store, along with transaction conditions, etc. for each card issuer, and a company code corresponding to the issuer of the card used. means for determining whether or not the company code is stored in the card issuer data storage means, and when the company code is stored, transmitting the recorded data on the data recording surface on which the company code is recorded to the center as card data. Credit transaction processing and equipment.