JPS61226875A - Transaction processor - Google Patents

Abstract

PURPOSE:To easily increase and change type of credit cards to be dealt by providing a memory for storing a transmission procedure every enterprise issuing a card in a device itself and optionally setting and changing the contents of the memory in this memory afterward. CONSTITUTION:When a card reader 27 reads a card information of a transmission procedure information recorded in a card 29 designated by the issuing enterprise, a transmission procedure memory RA 1 formed in a RAM 20 and not shown is retrieved by an enterprise code included in the read card information. When the relevant enterprise code is detected, it is judged that the set transmission procedure information is changed by this setting operation in the memory RA 1, respective data of respective data area of the relevant enterprise code is rewritten by the respective data such as a read dial number N, station addresses A, B and a protocol data D. When the relevant enterprise code is not retrieved, it is judged to be a setting operation of the transmission procedure information of a new card issuing enterprise and an empty area in the RA 1 is searched and newly stored.

Description

[Detailed Description of the Invention] [Technical Field of the Invention] The present invention relates to a transaction processing device that processes sales transactions using credit cards, and in particular stores information on transmission procedures between each card issuing company in an internal storage section. , relates to a transaction processing device whose stored contents can be arbitrarily set and changed.

[Technical Background of the Invention] With the spread of credit cards, systems that can carry out sales processing using credit cards have been developed. In such systems, in order to improve processing efficiency when selling credit cards, card information such as the company code indicating the card issuing company, membership number, and company type code is magnetically recorded on the credit card itself, and the card information is recorded in the transaction processing device. The card information is read by a provided card reading device. Furthermore, depending on the type of card, there are cards that require each member to be assigned a PIN number and enter this PIN number manually from a keypad connected to a transaction processing device at the time of credit purchase.

Generally, when performing sales processing using a transaction processing device used in such a system, the credit card brought by the customer is first inserted into a card reading device (card reader) and the company form code, company code, membership number, etc. Card information is not read. Next, the customer enters the PIN number from the keypad. Thereafter, the salesperson enters sales data such as the product code and sales amount of the product sold to the customer from the keyboard of the transaction processing device. Once the key human resources for sales data are completed, [
Specify the customer's desired repayment terms, such as [installment repayment] or [lump-sum repayment], using key operations. In addition, in the case of [installment repayment], etc., the number of repayments is also specified. Once the repayment terms have been designated, the data such as the card information, PIN number, sales amount, repayment terms, etc. are transmitted via the telephone line to a data processing unit comprised of a host computer or the like of the card issuing company. This data processing unit processes the received PIN, sales amount, repayment terms, etc. based on the member's PIN 9 account balance set in its own center file and the repayment terms permitted by the issuing company. Determine whether or not to permit sales. If permission is granted, repayment data such as interest rate and monthly repayment amount will be calculated according to the repayment terms. Then, the sales permission information and repayment data are sent back to the corresponding transaction processing device.

The transaction processing device that receives the sales permission information and repayment data from the data processing unit of the card issuing company displays the presence or absence of sales permission on the display unit, and if the sales permission is granted, the repayment terms and repayment data are printed on the printer to create a transaction slip. Print out to.

[Problems with Background Art] However, even in the transaction processing device configured as described above, there are still problems as described below that must be solved. That is, such transaction processing devices are generally connectable to the data processing units of each card issuing company via a telephone line so that they can process transactions with many types of credit cards.

Additionally, the type and standard of each host computer that constitutes the data processing section of each card issuing company generally differs for each card issuing company. Therefore, in the transaction processing device,
In order to perform data transmission between data processing units of different types and standards, each data processing unit must store a data transmission procedure (protocol) to be used when transmitting data with this data processing unit. It is necessary to do so.

Normally, the information on the above-mentioned transmission procedure is set in an internal storage unit such as a ROM according to the order of each user (store) when the transaction processing device is shipped. However, in recent years, the number of types of credit cards has increased, and with the increase in types, the number of types and standards of host computers of card issuing companies have also increased. As a result, when a transaction processing device is installed in a store, etc. and the transaction processing device starts handling a new type of credit card, the process of setting the transmission procedure information becomes extremely complicated and takes a very long time. It took time.

[Object of the Invention] The present invention has been made based on the above-mentioned circumstances, and its purpose is to provide the device itself with a memory that stores the transmission procedure for each card issuing company, and to store this memory later. To provide a transaction processing device that can easily increase and change the types of credit cards that can be handled by arbitrarily setting and changing the stored contents of the card.

[Summary of the Invention] The transaction processing device of the present invention is provided with a transmission procedure memory that stores each transmission procedure information corresponding to each card issuing company, and allows the stored contents of this transmission procedure memory to be arbitrarily set and changed. It is something.

[Embodiments of the invention] An embodiment of the present invention will be described below with reference to the drawings.

FIG. 3 is a perspective view showing the transaction processing device of the embodiment, in which a keyboard 20 is provided on the front of the housing 1 for inputting the sales amount, etc., and an operation guidance 3 is provided for instructing the next key operation.
．． A display section 4 for displaying amounts, etc., and a function changeover switch 5 for changing the functions of this device are provided. Furthermore, the printer's slip issuing port 6 is located at the top of the housing 1. A slip holder 7 is formed, and a card insertion slot 8 for a card reader is formed at the front edge. Further, a keypad 9 for the customer to manually enter a personal identification number is connected via a cable.

FIG. 4 is a layout diagram of the operation guide 231 display section 41 function changeover switch 5. It is composed of an indicator lamp 3b. In addition, the function changeover switch 5 can be used to set a function to set various fixed data such as transmission procedure information in the internal storage section, [OFF] to indicate prohibition of use, [ON] to indicate normal transaction processing, You can switch settings such as [Aggregation] that indicates the aggregation business function.

FIG. 5 shows the key layout of the keyboard 2, with sales keys 10. Subtotal key 11. Other keys 12, etc., each business key for instructing the start of each business, each payment key 13, for specifying repayment conditions such as [split], [all-time], etc. Product code, amount 1
Each numeric key 14 for manually inputting numeric data such as the number of divisions. A set key 15 is used to close numerical data entered manually using each of the mathematical keys 14. Function keys such as a transmission key 16 for transmitting data to the data processing section of each card issuing company are arranged.

FIG. 1 is a block diagram showing the entire transaction processing device, and 17 in the figure is a CPU (central processing unit) that executes various information processing based on various data input from the keyboard 2, card reader, and keypad 9. . This CPt
J17 is connected via a data bus 18 to a ROM 19 that stores various control programs, and a battery-backed RAM 20 that stores variable data such as input data and transmission procedure memory. A transmission conversion device 23 connected to an external telephone switching network 22 via a telephone line 21. Input circuit 24 to which various input devices are connected. Controls the output circuit 25 to which various output devices are connected.

The telephone switching network 22 is connected by a dial signal to a data processing section 26 consisting of a host computer of each card issuing company. The input circuit 24 also includes a card reader 27 .
The keyboard 2. The function changeover switch 5. The keypad 9 is connected to the output circuit 25, and the output circuit 25 includes a display section 4 for the operation guidance 3, each display lamp 3b, and a printer 28 for printing out the sales amount and each repayment data on the transaction slip.
is connected.

FIG. 2 shows the main memories formed in the RAM 20, including a transmission procedure memory RA1. Work area RA2 for performing various calculations. Card information area RA3. temporarily stores card information such as the company type code, company code, membership number, etc. of the credit card read by the card reader 27. PIN area RA4, which temporarily stores the 4-digit PIN entered from the keypad 9. Sales data area 1fiRA5 that temporarily stores sales data such as product codes and sales amounts of products sold to customers. A repayment condition specification area RAS for temporarily storing data on repayment conditions specified by the customer, and a transmission buffer RA7 for temporarily storing data to be transmitted to the data processing unit 26 of the card issuing company are formed.

The transmission procedure memory RAI includes data areas for storing dial number N, station address A on the data processing unit side, station address B on the transaction processing device side, protocol (transmission procedure) data D, etc. for each company code. is formed.

FIG. 6 shows an issuing company designated card 29 used when setting new transmission procedure information in the transmission procedure memory RAI.
FIG. 2 is a diagram showing data contents magnetically recorded on a magnetic stripe of FIG. That is, this issuing company specified card 29 has a magnetic recording section formed in the same position as a normal credit card, and has the same 72-digit code data as the credit card recorded therein. Of the 72-digit code data, a start code is recorded in the first digit, and 2 indicates that transmission procedure information data is recorded in the 2nd and 3rd digits.
The digit setting code is recorded.

From the 4th digit to the 70th digit, company code (4 digits)1
Dial number N of the issuing company, station address A on the data processing unit side, station address B on the transaction processing device side, protocol data D, etc. are recorded in sequence.
An end code is recorded in the first digit, and a check code for confirming that each of these data has been correctly read by the card reader 27 is recorded in the final 72nd digit. Follow me.

This issuing company designated card 29 is prepared for each card issuing company.

After the transaction processing device is powered on and various initial processes are completed, the CPU 17 stores the ROM 19.
The setting process shown in FIG. 7 is executed according to the control program shown in FIG.

In Fig. 7, first make sure that the function selector switch 5 is set to the [Settings] position, then click [Others] to declare that the transaction is other than normal transaction processing.
A business key of the key 12 is input, and further, for example, two-digit numerical data indicating the start of a setting business is input using the numerical key 14. When the two-digit numerical data is input, it is determined whether the two-digit numerical data input at Pl is a card setting code for setting transmission procedure information using the issuing company designated card 29.

If it is the card setting court at Pl, the display lamp 3b indicating card reading in the operation guidance 3 of FIG. 4 is turned on to prompt the operator to insert the issuing company designated card 29 into the card insertion slot 8. When the issuing company specified card 29 is inserted into the card insertion slot 8 and the card reader 27 reads the card information of the transmission procedure information shown in FIG. 6 recorded on the issuing company specified card 29, the read card information is The transmission procedure memory RA1 formed in the RAM 20 is searched with the included company code. When the corresponding company code is detected at P2, it is determined that this setting task is to change the transmission procedure information that has already been set in the transmission procedure memory RAl, and the read dial number N and station address are Each data in each data area of the corresponding company code is rewritten with each data such as A, B and protocol data D.

If the corresponding company code was not found in P2, it was determined that the task was to set transmission procedure information for a new card issuing company, and an empty data area in the transmission procedure memory RAI was searched for and read into this data area. Company code, dial number N, station address A, B, protocol data D
is newly stored.

Further, if the numerical data input using the numerical keys 14 at Pl is a manual setting code that does not use the issuing company designation card 29, the system waits for input of numerical data indicating a company code using the numerical keys 14 at P3. After the numerical data is input, when the set key 15 is manually operated, it is determined that the manual key operation of the 4-digit company code has been completed, and the data is transmitted using the entered 4-digit company code. Search the procedure memory RAI. If the corresponding company code is not detected, it is determined that the task is to set transmission procedure information for a new card issuing company, and an empty data area in the transmission procedure memory RAI is searched for, and the company code in this data area is searched for. Store in area. If the corresponding company code has already been set in the company code area at P4, it is determined that the transmission procedure information has been changed and nothing is done.

When the company code processing is completed and numeric data is input using the numeric key 14 at P5 and the set key 15 is manually operated, the input numeric data is determined to be the dial number @N, and this dial number is @N is stored in the dial number area of the aforementioned company code in the transmission procedure memory RAl.

When the storage of the dial number N is completed, input of the next numeric data using the numeric keys 14 is awaited at P6.

At P6, when the numerical data is entered manually and the set key 15 is operated manually, it is determined that the entered numerical data is the station address A on the data processing section side of the issuing company, and this numerical data is assigned to the corresponding company. Store in the station address area of the code.

In this way, the dial number N, the station address A on the data processing unit side, and the station address B on the transaction processing device side for the card issuing company.

Each transmission procedure information such as protocol data D is sequentially stored in the transmission procedure memory RA1. Then, when all the data settings are completed at P7, a specific end key indicating the end of data settings is pressed manually, and all the setting processing ends.

Next, the function changeover switch 5 indicates the normal transaction processing function [
ON] position, the CPU 17
executes the transaction processing shown in FIG. 8 according to the control program in the ROM 19.

In FIG. 8, confirm that the function changeover switch 5 is set to the [ON] position. And keyboard 2
When the sales key 10 of the business key is pressed manually, the display lamp 3 of the card reading plate 3a of the operation guidance 3
Turn on b. Then, when the salesperson inserts a normal credit card brought by the customer into the card insertion slot 8, the card reader 27 reads the card information magnetically recorded on the credit card at P8. Then, the read card information is temporarily stored in the card information area RA3 of the RAM 20. When the card information has been stored, the password display lamp 3b of the operation guidance 3 is turned on. When the customer manually inputs a four-digit password on the keypad 9, the entered password is stored in the password area RA4 of the RAM 20.

When the storage of the password is completed, the amount display lamp 3b of the operation guidance 3 is turned on. When a salesperson enters sales data such as the sales amount of a product sold to a customer using the numeric keys 14 on the keyboard 2, this sales data is stored in the RAM 20.
The sales amount and product code are stored in the sales data area RA5, and the sales amount and product code are displayed on the display section 4 as shown in FIG.

When the sales data input process is completed, go to P9 [Split]
Manual operation of the payment key 13 to select repayment conditions such as [Lump sum], and manual operation of repayment terms and repayment condition data such as numerical data such as the number of divisions when specifying [Split] etc. using the numerical keys 14. . When the repayment terms and repayment condition data are input, they are stored in the repayment condition specification area RA6 of the RAM 20.

After storing the repayment terms, the card information is stored in the card information area RAS and the PIN code is stored in the PIN area RA4.

The sales data in the sales data area RA5 and the repayment terms in the repayment terms specification area RA6 are read and sent to the transmission buffer RA.
Store in 7. When the transmission data has been stored in the transmission buffer RA 7, the display lamp of the transmission key 16 on the keyboard 2 is turned on, and the transmission key 16 is manually operated using Plo.

When the transmission key 16 is pressed manually in Plo, the transmission procedure information of the corresponding card issuing company is read out from the transmission procedure memory RAl. Then, the readout dial number @N is auto-dialed to the transmission converter 23゜telephone line 21. The data processing unit 26 of the card issuing company is called via the telephone switching network 22. A telephone line (data line) 21 between this transaction processing device and the data processing unit 26 of the card issuing company
When connected, the transmission data in the transmission buffer RA7 is transmitted to the corresponding data processing section 26 according to the procedure of the read protocol data D, etc. Then, it waits at Pll to receive processing data such as repayment data including sales availability information and interest rate etc. from the data processing unit 26 of the card issuing company.

When processing data is input via the transmission conversion device 23 in the PLL, the sales permission information included in this processing data is read, and if the sale is not possible, the display unit 4 displays that the sale is not possible using this credit card, and this sales transaction is terminated. Finish the process.

If the sales permission information indicates sales permission, print out the number of repayments, monthly repayment amount, membership number, card issuing company name, sales amount 1 issue date, etc. on the transaction slip using the printer 28. do. Then, the printed transaction slip is discharged from the slip issuing port 6. 1 when the issuance of the transaction slip is completed.
Finish processing credit card sales transactions for items.

With a transaction processing device configured in this way, when the transaction processing device starts handling a new credit card, or even if the transaction processing device is already handling a credit card, it can be connected to the data processing unit 26 of the card issuing company. When the transmission procedure information for data transmission during the period is changed, an issuing company designation card 29 shown in factor 6 is prepared, on which the new or changed transmission procedure information is magnetically recorded. Then, with the function selector switch 5 set to the [SET] position, press the other key 12, input a predetermined card setting code using the numeric keys 14, and then insert the issuing company designated card 29 into the card. When inserted into the insertion slot 8, transmission procedure information corresponding to the data processing unit 26 of the card issuing company is automatically set in the transmission procedure memory RA1 of the RAM 20.

Generally, the above-mentioned issuing company specified card 29 is provided by the card issuing company, so there is no need for the operator of this transaction processing device to produce it. Therefore, the contents stored in the transmission procedure memory RA1 can be arbitrarily set and changed depending on the type of credit card used. As a result, the types of credit cards that can be handled can be easily increased or changed.

Furthermore, even if the issuing company designated card 29 shown in FIG. By manual operation of combination keys such as the set key 15, the transmission procedure information corresponding to the data processing unit 26 of the relevant issuing company is stored in the RAM 2.
It is also possible to set the transmission procedure memory RA1 to zero.

Note that the present invention is not limited to the embodiments described above. The issuing company designation card 29 used in the embodiment records all the transmission procedure information on one card, but if the amount of transmission procedure information is large, this transmission procedure information can be recorded in multiple issuing company designations. The information may be recorded on the card 29 separately.

In addition, in the embodiment, two methods have been described as means for setting each transmission procedure information in the transmission procedure memory RA1 of the RAM 20: a method using the issuing company designated card 29 and a manual key operation method on the keyboard 2. It may also be executed by a setting command from the data processing unit 26 of the card issuing company.

[Effects of the Invention] As explained above, according to the present invention, the device itself is provided with a memory for storing transmission procedures for each card issuing company, and the stored contents of this memory can be arbitrarily set and changed later. ing. Therefore, the types of credit cards that can be handled can be easily increased or changed.

[Brief explanation of the drawing]

The figures show a transaction processing device according to an embodiment of the present invention, in which Fig. 1 is a block diagram showing the whole, Fig. 2 is a diagram showing the main memory in the storage section, and Fig. 3 is a diagram showing the whole. Perspective opening, Figure 4 is a diagram showing the display section and operation guidance, Figure 5
The cause is a diagram of the key arrangement of the keyboard, FIG. 6 is a diagram showing the magnetically recorded contents of the card specified by the issuing company, and FIGS. 7 and 8 are flowcharts showing the operation. 1... Housing, 2... Keyboard, 3... Operation guidance, 4... Display section, 5... Function selector switch,
6... Slip issuing slot, 8... Card insertion slot, 9 River keypad, 10... Sales key, 12... Other keys,
13...Payment key, 14...Numeric key, 15...
Set key, 16... Send key, 17... CPU,
19...ROM, 20...RAM, 21...telephone line (data line 1), 22...telephone switching network, 26...
・Data processing unit, 27...Card reader, 28...
Printer, 29...Issuing company designated card, RAI...
・Transmission procedure memory. Applicant's agent Patent attorney Shikihiko Suzutsuta Figure 3 Figure 4

Claims (1)

[Claims] The sales amount and repayment terms entered through the input device at the time of credit card sales are sent to the card issuing company's data processing unit, which is included in the card information of the credit card read by the card reading device, via the data line. In a transaction processing device that issues transaction slips based on repayment data sent in accordance with transmission procedure information predetermined for each card issuing company and returned from the data processing unit: each of the transmissions corresponding to each of the card issuing companies; A transmission procedure memory for storing procedure information; and setting the storage contents of the transmission procedure memory. A transaction processing device characterized by comprising: means for changing.