JP2836284B2 - Transaction processing system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing system mainly using a credit card, and more particularly to a credit card management system in which a transaction fee is debited from an account other than the customer.

[0002]

2. Description of the Related Art A credit card transaction system does not pay during a transaction, but collectively debits the transaction price from a predetermined bank account later. The debit bank account need not necessarily be in the name of the customer. In some cases, a plurality of credit cards are issued with one credit contract. It is called a personal card and a family card, and is a card that can be used by the contractor and his / her family.

[0003]

As described above, when a person other than the holder of the debit bank account is allowed to make a transaction using a credit card, the account holder receives a lump sum bill immediately before the debit. There was a drawback that it was not possible to know how much the credit card was used.
As a result, overuse of credit cards by family members,
There was a drawback that it was delayed to notice that the family card was misused due to loss or the like.

An object of the present invention is to provide a transaction processing system in which the above problem is prevented beforehand by notifying transaction data to a manager such as an account holder for each transaction.

[0005]

According to the first aspect of the present invention, there is provided a transaction medium storing at least customer identification data, a transaction processing apparatus for receiving the transaction medium and processing a transaction, A host device that manages the received transaction data, wherein the host device is a management terminal device for each customer.
An identification number storage means for storing an identification number, the transaction when the processor is transaction data sent, comprising means for transmitting a pulling data collected to the management terminal device of the customer, the
I have.

The invention of claim 2 of the present application is directed to a transaction medium storing at least customer identification data and a telephone number of a management terminal device, accepting the transaction medium and processing a transaction, and after the transaction processing, the customer having a, a transaction processing apparatus having a means for transmitting the argument data collected to the management terminal device
You.

[0007]

According to the transaction processing system of the present invention, the identification number of the management terminal device is stored in the host device for managing the transaction.
The identification number of the management terminal device is, for example , the telephone number of a telephone terminal device such as the holder of the bank account from which the transaction amount is deducted. The management terminal device may be a personal computer, a facsimile, a telephone with a recording function (answering machine), or an ordinary telephone. When a transaction is processed, the transaction processing device sends the transaction data to the host device. The host device transmits the transaction data to the management terminal device. The transaction data may be selected from digital data, character line drawing data, and synthesized voice according to the type of the management terminal device. With the above operation, the transaction data using the transaction medium can be promptly notified to the administrator.

In the transaction processing system of the present invention, the identification number of the management terminal device is stored in one of the transaction media possessed by the customer. When the transaction is processed, the transaction processing device transmits the transaction data to the management terminal device.

[0009] Transaction data may be transmitted with respect to all transactions, or may be transmitted only with respect to transactions having a transaction amount of a certain value or more.

[0010]

FIG. 1 is a diagram showing the configuration of a transaction processing system according to an embodiment of the present invention. This system is a system for processing transactions by the credit card 5. A host device 1 for managing all transactions and a terminal device (CAT terminal device) 10 installed in each store are connected by a public telephone line,
Further, the host device 1 is a management terminal device 11, 1 of the contractor.
2 is connected. Although only one store 2 is shown in FIG. 1, a plurality of stores 2 exist for the host device 1. The CAT terminal device 10 installed in each store is provided with a card reader 10a as a hand scanner.
The customer has a credit card 5. When a customer intends to make a transaction with this credit card, a store clerk inserts the credit card into the card reader 10a, scans the card, and reads the data.

FIG. 2 shows the configuration of the magnetic stripe formed on the credit card 5. The magnetic stripe 50 stores a company code 51 which is a code of a credit company, a customer code 52 which is an identification number of the customer, and a password 53. The least significant bit of the customer code 52 is an identification bit 52a for identifying whether it is a card (personal card) of the account holder or a family card of a family member. A spare area 54 is provided in the magnetic stripe. In a second embodiment described later, a telephone number storage area 54a is set in this spare area.

In the host device 1, files for all customers who hold the credit card 5 are set. The file stores transaction data for a certain period and stores the telephone number of the management terminal of each customer. Here, the management terminal device is usually a telephone (including a facsimile and a personal computer ) managed by the account holder of the bank account in which the transaction amount is debited with a credit card. The host device 1 transmits transaction data to these management terminal devices, and the format of the transmitted data is automatically converted depending on the type of the management terminal device. That is, in the case of a facsimile, the transaction contents are configured as image data for printing, and in the case of a telephone (including a telephone with an automatic recording function), the transaction contents are voice-synthesized. When the management terminal device is a personal computer, the contents of the transaction are edited into a digital data message and transmitted.

FIG. 3 is a diagram showing a communication procedure between the host device 1, the CAT terminal device 10 of the store, and the management terminal device 11 (12) installed at the account holder's home. When the credit card is scanned by the CAT terminal device 10 at the store, a line is connected to the host device 1 to transmit data such as customer code, transaction amount data, and personal identification number. The host device 1 searches these files for a file and determines whether or not a transaction is possible. If a transaction is possible, a valid response is returned to the CAT terminal device 10. The CAT terminal device 10 that has received the valid response performs processing such as releasing the line and issuing a receipt, and ends the transaction. On the other hand, after releasing the line with the CAT terminal device 10, the host device 1 retrieves the telephone number of the management terminal device of the card, connects the telephone line, and sends the date and time of the transaction to the management terminal device. Transmit data such as amount, item, card user, etc. Release the line after transmission. If the management terminal device is a regular telephone, this transmission is possible only if there is an administrator at home, but if it is a telephone with automatic recording so-called answering machine, this content can be recorded it can. In the case of a facsimile apparatus, image data for data printing may be transmitted. In the case of a personal computer, digital data is transmitted using so-called personal computer communication.

FIG. 4 is a flowchart showing a receiving operation when the management terminal device is a personal computer having a data processing function. When the transaction data is received (n1), it is determined whether or not the transaction data exceeds a predetermined amount (n2). If the amount exceeds the predetermined amount, printing including the contents of the warning is performed (n
4) Otherwise, only the transaction history is printed (n
3).

FIG. 5 is a flowchart showing a case where the management terminal device requests the host device to stop the card transaction online. In this case, a push-button telephone or a personal computer can be used as the management terminal device. First, the host device 1 is connected to a public telephone line (n5), and an input for requesting registration is made to the transaction stop file (n6). This input can be determined, for example, as a predetermined numerical value and # key sequence input. Next, a card number for requesting that the transaction be stopped is input (n7). In this case, the person who has the right to request suspension of the card transaction (contractor: account holder)
May be entered together with the personal identification number of the personal card. After registration, the line is released (n8). By doing so, when the usage status of the family card or the like is not normal, the transaction can be immediately stopped.

In the above embodiment, the telephone number is stored in the host device 1 and a call is made from the host device to the management terminal device. However, the telephone number of the management terminal device and the terminal device are stored in the credit card. May be stored, and a call may be made directly from the transaction processing terminal device that has made the transaction to the management terminal device. Such an embodiment is shown in FIGS.

FIG. 6 is a diagram showing a configuration of a transaction processing system according to an embodiment of the present invention. The CAT terminal device 21 used in this system has a function of making a call to the credit contractor's management terminal devices 11 and 12 in addition to the host device 20. The credit card 5 'used in the CAT terminal device 21 has the telephone number of the management terminal device stored in the telephone number storage area 54a of FIG. The CAT terminal device 21 transmits the transaction data to the host device 20 via a public telephone line, and transmits the transaction data by calling the management terminal devices 11 and 12 using the telephone number read from the credit card 5 '. .

FIG. 7 is a diagram showing a communication procedure between the CAT terminal device 21, the host device 20, and the management terminal device (telephone) 11. When a credit card is scanned by the CAT terminal device 21 at the store, a line is connected to the host device 1 to transmit data such as customer code, transaction amount data, and personal identification number. The host device searches these data for a file and determines whether or not the file can be traded.
If a transaction is possible, a valid response is returned to the CAT terminal device 21. CAT terminal device 2 that has received a valid response
In step 1, processing such as releasing the line with the host device 20 and issuing a receipt is performed to end the transaction. After this this C
The AT terminal device 21 connects the management terminal device and the telephone line based on the telephone number read from the credit card, and sends data such as transaction date, amount, item, card user, etc. to the management terminal device. Is transmitted. Release the line after transmission.

In the system having such a configuration, each CAT
Although the terminal device needs a data editing function, a fax function, a voice synthesis function, and the like, there is an advantage that it is not necessary to change the specifications of the host device.

In the above two embodiments, it is not distinguished whether the credit card used for the transaction is the principal card or the family card, but only the transaction data of the family card is transmitted to the management terminal. It is also possible to do so.

[0021]

As described above, according to the transaction processing system of the present invention, even if the person who uses the transaction medium and the person who manages the transaction are different, the manager always keeps track of the usage of the transaction medium. There is an advantage that it is possible to grasp and to take prompt action when an abnormal use state occurs.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of a transaction processing apparatus according to an embodiment of the present invention;

FIG. 2 is a diagram showing a configuration of magnetic data of a credit card used in the transaction processing system;

FIG. 3 is a diagram showing a processing procedure in the transaction processing system;

FIG. 4 is a flowchart showing the operation of the terminal device for managing the transaction processing system;

FIG. 5 is a flowchart showing the operation of the terminal device for managing the transaction processing system;

FIG. 6 is a diagram showing a configuration of another embodiment of the present invention;

FIG. 7 is a diagram showing a processing procedure of another embodiment.

[Explanation of symbols]

1-host device, 10-transaction terminal device, 11-facsimile device, 12-telephone, 5-credit card, 54
a-Phone number storage area.

──────────────────────────────────────────────────続 き Continued on the front page (58) Field surveyed (Int.Cl. ⁶ , DB name) G06F 17/60 G06F 19/00

Claims (2)

(57) [Claims] 1. A transaction medium storing at least customer identification data, a transaction processing device that receives the transaction medium and processes a transaction, and a host device that manages transaction data sent from the transaction processing device. a transaction processing system comprising the host device, and the identification number storage means for storing the identification number of the management terminal of each customer, when the transaction processing system from the transaction data has been sent, the management of the customer argument processing system taken with means for transmitting the pre-SL transaction data to use the terminal device. Wherein the transaction medium storing the identification number of at least customer identification data and the management terminal device, to process the transaction accept the transaction medium, after the transaction processing, transactions to the management terminal device of the customer argument processing system taken that having a, a transaction processing apparatus having a means for transmitting data.