JPH11259573A - Credit card verification and settlement device - Google Patents

Abstract

(57) [Summary] [Problem] To enable a credit card handling operation by taking or installing a credit card terminal in a place without a general telephone line. SOLUTION: A communication center having a credit card host computer and a place without a telephone line having a credit card terminal are connected online by a mobile phone or a commercial radio to communicate. Specifically, a credit terminal, a communication adapter, and a mobile phone or a commercial radio are combined. DC-AC
The inverter, the credit terminal, and the communication adapter are wired, of which the power line to the DC-AC inverter is connected to a cigarette lighter of an automobile, and the communication adapter is connected to a mobile phone or a commercial radio.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a method of taking a credit card terminal out of a general telephone line,
The present invention relates to a credit card collation and settlement device that can be installed to perform a credit card handling operation.

[0002]

2. Description of the Related Art Conventionally, when payment of goods and the like is made by a credit card at a member store or a department store of various credit cards, a credit card terminal connected to a general telephone line (hereinafter simply referred to as a telephone line) is used. , And pay by credit card. Here, the credit card terminal means that the credit card information is read, or the card number and the expiration date are manually input, and the input information such as the usage amount and the payment method is automatically sent to the communication center of the credit card company. Alternatively, dial manually and connect online to the communication center of the credit card company to perform data communication with the host computer of the communication center, and use the information stored in the host computer in advance to settle with a credit card without human intervention And a communication terminal capable of receiving a notification that a credit card can be used.

As another payment method, there is a method using an imprinter for copying information such as a credit card number and a validity period. This is done by reading customer information with an imprinter, calling a credit card company, notifying the credit card number and usage amount, etc., obtaining approval from the credit card company and obtaining an approval number Then, a procedure of writing an approval number on a copy sheet of the credit card copied by the imprinter is dealt with. Of course, according to a contract with a credit card company, if the payment is small, payment by a credit card can be performed without obtaining the approval by the above procedure.

[0004]

However, in the method of settlement by the imprinter, the confirmation work by telephone with the card issuer must be repeatedly performed in accordance with the procedure each time, and the processing work is very difficult. It is troublesome and difficult to use. For credit card companies,
With a large number of staff and a corresponding telephone line,
Significant labor and capital investment, as a computer terminal must be provided to search for the presence or absence of credit card accidents and usage within the limits of the usage amount from the notified card number. In need.

[0005] In this regard, the use of a small credit card,
Payment is possible without approval, but we accept credit card users who do not use the original credit card (hereinafter referred to as accident card) that was found after reporting theft or loss due to malice or mistake. This results in significant damage to credit card companies.

[0006] On the other hand, in the case of the credit card terminal described at the outset, it is possible to select the appropriateness of use confirmation and settlement processing without human intervention, which is extremely convenient, but it can be used indoors and outdoors without a telephone line. In addition, since it cannot be used in an automobile, the above-mentioned processing work is inconvenient and troublesome, and a large amount of equipment and personnel have to be put on standby as described above.

[0007]

Therefore, according to the present invention, a communication center equipped with a credit card host computer and a place without a telephone line equipped with a credit card terminal are connected on-line by a portable telephone or a commercial radio. By connecting and communicating, a credit card verification and settlement device that enables handling of credit cards is provided.

More specifically, as described in claim 2,
By combining a credit terminal, a communication adapter, a mobile phone, or a commercial radio, it is possible to perform a credit card collation settlement.

According to a third aspect of the present invention, a DC-AC inverter, a credit terminal, and a communication adapter are wired, and a power supply line to the DC-AC inverter is connected to a cigarette lighter of an automobile. By connecting with a business wireless device, for example, it is possible to perform collation settlement of a credit card at the time of payment of a taxi fare or the like.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION As equipment and equipment constituting an embodiment of the present invention, first, a credit card terminal is required as a main communication apparatus for performing a check settlement of a credit card. Further, a mobile communication terminal device such as a mobile phone or a business radio, and a communication adapter for connecting the mobile phone or the radio to the credit card terminal and performing communication are required.

Here, the credit card terminal is used to read information of a credit card, or manually input a card number, an expiration date, and the like, and transmit input information such as a usage amount and a payment method to a credit card company. Automatically or manually dial the center and connect online to the credit card company's communication center to communicate data with the host computer of the communication center, and use the information stored in the host computer in advance to credit without human intervention It is a communication terminal capable of making a payment by a card and receiving a notification that a credit card can be used.

[0012] Further, a portable telephone is attached to a car, can be carried and carried, has a conversation with a real voice, and performs data communication or digital data communication by deemed voice, or data communication. A portable communication terminal that uses radio waves for communication between the terminal and a base station connected to a telephone line.

[0013] A commercial radio is a radio that has been established for commercial purposes, and is a communication terminal that can be attached to a car or can be carried around. can give.

Further, in addition to the above, any one of a battery, a generator, a DC-AC inverter, a commercial power source, and the like is required as a power source for operating the communication device.

FIG. 1 shows an outline of a preferred embodiment of the present invention incorporating the above-mentioned communication equipment, and shows a credit card terminal 3 and a communication adapter 5.
Is converted into electric power equivalent to that of a commercial power supply by a DC-AC inverter 2 by using a DC-AC inverter 2 as a power supply, and the credit card terminal 3 is connected to a communication adapter 5.
By connecting to the mobile phone 8 via the telephone line, the credit card terminal 3 can be used in the same manner as if it were connected to a telephone line.

Here, a system is used in which a PHS telephone capable of automatically dialing with a PB signal transmitted from a modem built in a credit card terminal is used, and communication is performed using a deemed voice signal.

More specifically, in FIG.
The C inverter 2 is supplied with electricity from a cigarette lighter power supply (not shown) of the vehicle through the inverter power supply line 1 and the cigarette lighter plug 10, and outputs electric power equivalent to a 100 volt commercial power supply of 50 Hz to 60 Hz.
The power is supplied to the credit card terminal 3 through the credit terminal power line 4. In addition, power is supplied to the communication adapter 5 through the communication adapter power line 6. The credit card terminal 3 sends a signal to the communication adapter 5 through a signal line 7. Communication adapter 5
To the earphone jack of the mobile phone 8 through the signal line 9.

By constructing such a device inside a car without a telephone line, it is possible to use a credit card terminal in the same manner as in various stores and department stores with a telephone line.

In the above case, if the power supply of the charger of the mobile phone 8 is obtained from the DC-AC inverter 2, it is not necessary to worry about running out of the battery of the mobile phone 8.

If the portable telephone 8 is replaced with a business radio (not shown) such as a taxi radio and the configuration shown in FIG. 1 is installed in a taxi, card payment of taxi fares can be performed very easily. it can.

Next, the following equipment can be provided as an application example to the above embodiment. At present, a small computer, which is expressed in terms of a mobile device or the like, which can be connected to the Internet or data via a mobile phone and has a multi-interface, is widely used. These do not exist in the main unit by replacing the removable card type interface to operate the function as a digital camera, or by adding a high-speed modem function, or by replacing the interface describing a special program. Various models that can have functions are used.

Therefore, by attaching an interface having a credit card information reading device (hereinafter referred to as an imprinter interface) to these and connecting a printer, the same function as in the above embodiment can be performed. It is. In this case, the display for inputting and confirming necessary items in handling the credit card is performed by using the input interface and display interface of the main unit and making the imprinter interface side function as a credit imprinter. The program is described in a language, and the owner of the store stores information necessary for communication with the credit card company, such as information for changing the connection destination according to the identification code and the type of credit card, thereby simplifying the program. Can be used as a credit card terminal.

At this time, depending on the model, a printer connection function may need to be provided on the imprinter interface side. At that time, it is also possible to make them unavailable unless a password is input. Of course, it is also possible to make these interfaces an integral non-detachable type, a built-in printer, or an external connection type.

When such a system is used, it can be used as an ATM terminal by switching a storage medium or an execution program by a program or a mechanical switch. In addition, since it has a communication function, rewriting of a program can be executed through a telephone line or a mobile phone.

Further, the information reading device and the printing function of the credit card are omitted from the imprinter interface, and the credit card number, the validity period, the usage amount, and the like are input from the main unit input interface, and the communication is performed. Notification of approval / disapproval and approval number can also be displayed on the main unit display interface.Evidence of credit card use can be obtained by copying the credit card using an imprinter, copying the approval number and receiving a signature. Can be obtained as

According to this method, an expensive credit card terminal machine currently lent by a credit company to a credit card store can be provided by describing a program on a card-type interface, that is, by providing software, the cost can be reduced. Use is possible. In this case, if the description of the handling is described as a program, it is not necessary to carry the handling manual.

In the above embodiment, the communication adapter 5 and the DC-AC inverter 2 are housed in a case, or both are integrated and implemented, so that a power line and a signal line can be easily connected thereto. Can be
In this case, there is an advantage that the credit card terminal 3 can be easily carried without any modification.

Further, by integrating the DC-AC inverter 2 and the communication adapter 5 into the credit card terminal 3 of the above-described embodiment, it is possible to make the credit card terminal 3 more convenient.

Further, the credit card reading unit and the printer unit for inputting the amount of money in the credit card terminal 3 of the above embodiment are divided and configured,
Attach one to a dash panel such as a taxi,
Others can be placed in a vacant place such as under a sheet to be separately installed or easily used.

Further, by storing the communication device in a portable bag, it is possible to easily carry the communication device. In that case, if the battery is stored in a portable bag, no other power source is required, and the battery can be used in an arbitrary place. Furthermore, if the credit card terminal is provided with a function of connecting to a mobile phone and has a built-in battery or inverter, it is easy to carry and the usability is dramatically improved.

[0031]

According to the present invention, a communication center having a credit card host computer as described above and a place without a telephone line having a credit card terminal are connected online by a portable telephone or a business radio. A credit card verification and settlement device that enables the handling of credit cards by communicating via a mobile phone or wireless device, with a credit card terminal interposed anytime and anywhere within the radio wave range It can be used for credit card verification settlement.

In particular, as described in claim 2, a credit terminal, a communication adapter and a portable telephone or a commercial radio are combined, and as described in claim 3, communication between the DC-AC inverter and the credit terminal is performed. Wiring the adapter, connecting the power line to the DC-AC inverter to the car's cigarette lighter and connecting the communication adapter to a mobile phone or a commercial radio, for use in the car's car or indoors Alternatively, it can be used at an event venue, etc., and can be easily settled with a credit card in a place other than a store, so that the use of an accident card can be prevented.

In addition, when compared with the indirect settlement method using an imprinter, the number of telephone callers on the credit card company side can be reduced, and equipment costs and personnel costs can be greatly reduced. In addition, when selling products at places such as event venues, if there is no cash on hand for those who want to buy the products, payment with a credit card can be done quickly on the spot, so there is a great deal of sales opportunities. And smooth business transactions by eliminating opportunity losses.

In addition, a person who repairs and sells water supply equipment and gas equipment visits the home with a credit card terminal and, if the requested repair fee and merchandise price can be settled with a credit card, visits. If you don't have cash at home, you can save yourself the trouble of having to go to a collection and pay for the money at a later date, and even if you have cash, you've spent the usual living expenses. In such a case, secondary operations such as going to the bank and dropping off will not occur. In addition, when receiving an application for product purchase or repair at the applicant's home or the like by telephone, if the payment by credit card is mutually agreed, the payer and the recipient will also receive the payment. Can be done "and" you can get paid ", and the transaction can be carried out smoothly.
This has social and economic groundbreaking effects that fundamentally overturn current business transactions.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a device configuration in a case where a credit card collation and settlement system is constructed in an automobile without a telephone line.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Inverter power supply line 2 DC-AC inverter 3 Credit card terminal 4 Credit card terminal power supply line 5 Communication adapter 6 Communication adapter power supply line 7, 9 Signal line 8 Mobile phone or commercial radio 10 Cigar lighter plug

Claims (3)

[Claims] 1. A credit card by connecting a communication center equipped with a credit card host computer and a place without a telephone line equipped with a credit card terminal by online connection using a mobile phone or a business radio. A credit card verification and settlement device that enables handling services. 2. The credit card verification and settlement device according to claim 1, wherein the credit terminal, the communication adapter, and the mobile phone or the commercial radio are combined. 3. A DC-AC inverter, a credit terminal, and a communication adapter are wired.
The credit card verification and settlement device according to claim 1 or 2, wherein a power line to the C inverter is connected to a cigarette lighter of an automobile, and a communication adapter is connected to a mobile phone or a commercial radio.