JP3015902B2 - Credit transaction processing system and terminal device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial Application Field] The present invention relates to a credit transaction processing system and a terminal device for credit transactions, and more particularly, to a CAT (abbreviation of Credit Authorization Terminal) provided at a member store. The present invention relates to a credit transaction processing system including a terminal device and a host computer of a credit company connected to the terminal device for communication, and a terminal device.

[Related Art] Conventionally, credit cards that allow consumers to purchase goods and receive services without paying cash have been on the market. The credit card is
Issued by credit companies. When a consumer uses a credit card to make a purchase at a member store, transactions between the CAT provided at the member store and a host computer of a credit company that is connected online can be performed, the card can be prevented from being used improperly and credit can be prevented. Data communication processing for limit management is performed. In such credit transaction processing including online communication processing, the sales data transmitted and received between the CAT and the host computer due to transmission error of the sales telegram from the CAT to the host computer or terminal failure (power failure etc.) Data mismatch may occur. Since the inconsistency in the sales data reduces the reliability of the credit transaction processing and gives the consumer distrust, the following two methods have been conventionally adopted as measures to prevent the inconsistency in the sales data. ing. First, the first method will be described.

FIG. 6 is a schematic diagram for explaining a first credit processing method adopted for a transmission error countermeasure in a conventional credit transaction processing system. In the figure, the credit transaction processing system uses CAT1 provided on the store side,
It is connected via a communication line 3 to a host computer 2 provided at the credit company side. The host computer 2 includes a data file 21 for storing sales data received from CAT1 and a sales slip data file 22 for storing sales slip data.

The first method is a method in which online communication and slip mailing are used in combination. In other words, CAT1 provided at each store side,
Each time a normal credit transaction process is performed, data relating to transaction contents (transaction amount, number of transactions, etc.) is transmitted to the host computer 2. The host computer 2 sequentially writes and stores the transmission data in a reception data file 21 stored in an accessible memory. For example, since the data file 21 is edited for each CAT1,
If the host computer can identify CAT1,
The data file 21 can be easily accessed. Each store stores the sales of credit transactions in CAT1 in the form of slips, and periodically mails them to the credit company. The credit company inputs data of the mailed slip into the host computer 2 by key input or the like. The input data is stored in the sales slip data file 22. Since the data in the data file 22 is edited for each CAT1, if the host computer 2 can specify the CAT1,
Accessing the data file 22 becomes easy. After inputting the data, the host computer 2 compares and compares the data contents of the received sales data file 21 accumulated up to that point with the data contents of the sales slip data file 22, and both data contents match. Check whether it is. At this time, if the two data contents match, it is confirmed that the transaction between the store side and the credit company side has been established, but if the data contents do not match,
Whether the communication line 3 has caused an error for some reason,
Alternatively, it is confirmed that there is some power supply abnormality on the CAT1 side or the host computer 2 side and the transmission processing has not been performed normally, and it is determined that the current credit transaction processing is not established.

As described above, according to the first method, in addition to data communication performed for each credit transaction process, double data collection is performed by collectively sending sales slips by periodically performing credit transactions, and transmission is performed. Error detected,
Normal transaction processing has been performed.

 Next, the second method will be described.

FIG. 7 is a schematic diagram for explaining a second credit processing method adopted for a transmission error countermeasure in the conventional credit transaction processing system.

In FIG. 7, a plurality of CAT1s provided on the store side are:
The cluster controller 4 also provided on the store side has LA
The cluster controller 4 is intensively connected via an N (Local Area Network) 5, and the cluster controller 4 is connected via a communication line 3 to the host computer 2 on the credit company side. A memory for storing the accumulated sales data file 41 is connected to the cluster controller 4, and a memory for storing the sales data file 21 received via the communication line 3 is connected to the host computer 2. ing.

In FIG. 7, the data on the normal credit transaction processing is LAN5 every time there is a credit transaction processing in CAT1.
Is given to the cluster controller 4, and the cluster controller 4 accumulates and stores the received data in the data file 41. At the same time, the cluster controller 4 gives the data received from the CAT 1 via the LAN 5 to the host computer 2 via the communication line 3. The host computer 2 accumulates and stores the data received from the communication line 3 in a data file 21. Thereafter, when the transaction processing for one day is completed, the cluster controller 4 transfers the data file 41 storing the data relating to the credit transaction processing for one day to the host computer 2 via the communication line 3. The host computer 2 temporarily stores the received data file 41 in an internal memory or the like, and stores the data contents of the data file 21 and the data file 41 in which the data relating to the credit transaction processing for one day is received and accumulated. Is compared. The host computer 2 stores the data file 21
If the contents of (1) and (2) match, it is determined that the credit transaction processing with the store today is established.If the contents of both data files do not match, the credit transaction processing with the store today is not established. And pursue the cause, such as checking for the occurrence of transmission errors.

FIG. 7 is an example in which a plurality of CAT1s are provided on the store side and a cluster controller 4 is installed. When a small number of CAT1s are provided on the store side, the cluster controller 4 is not interposed. While each CAT1 directly communicates data with the host computer 2, transaction data is stored in a sales data file stored in each CAT1. Also in this case, the establishment or failure of the credit transaction processing is determined by comparing and comparing the contents of the stored sales data file stored in each CAT1 and the received sales data file stored in the host computer.

In other words, the second countermeasure is that the CAT 1 and the host computer 2 mutually store the transaction contents in the memory for each credit transaction.
If a transmission error does not occur due to an abnormality in the data, a transmission error is always detected based on the ground that the data contents stored in the two are the same, and a normal transaction is performed.

[Problems to be Solved by the Invention] However, the above two conventional systems have the following problems.

First, in the case of the above-described first method, each store needs to periodically total the slips for each CAT1 and mail it to each credit company, and the stores need time and effort to collect the slips. There was a problem. In this case, the host computer 2 needs to classify the received slips for each CAT1, input the classified data, and temporarily store the data in the internal memory. For this reason, there has been a problem that a key input error is likely to occur, which also takes time.

In the case of the second method, the host computer 2
It is necessary for the side to perform data communication with all the CATs 1 or all the cluster controllers 4 for a certain period of time after the end of the transaction every day. The load also increases. Therefore, the host computer 2 and the communication line 3
The performance of the credit transaction processing system itself must be high enough to eliminate the short-term load concentration at the minimum. Therefore, in order to eliminate the load concentration described above, a plurality of CATs 1 are centrally connected to one cluster controller 4 so that actual communication is performed only between the cluster controller 4 and the host computer 2. if,
Although it is considered that the abnormal increase of the load as described above can be prevented, the more the cluster controller 4 is provided, the more CAT1s are provided.
For small stores that do not have this, there is a problem that this measure is not suitable and is not an actual solution.

Therefore, an object of the present invention is to provide a credit card which can omit the mailing process of a slip from a store provided with a terminal device to a host computer and can eliminate an increase in load due to a short-term centralized communication process with a plurality of terminal devices in the host computer. A transaction processing system and a terminal device are provided.

Means for Solving the Problems A credit transaction processing system according to an aspect of the present invention includes a plurality of credit processing terminal devices and a host computer for each of a plurality of credit companies communicatively connected to the terminal devices. Sends a message containing the details of the transaction by credit company each time there is a credit transaction,
Accordingly, the host computer is a system that stores and accumulates the transaction contents of the received message, and has the following features. That is, the terminal device includes transmission means for transmitting a message further including data on the number of transmissions for each credit company updated at least for each credit transaction, and the host computer transmits the data on the number of receptions in accordance with the transmission of the message by the transmission means. The terminal device further includes a reception count data update unit for updating, and a determination unit for determining whether the transmission count data of the received message matches the reception count data updated by the reception count data update unit. In response to the occurrence, the transmission number data and the reception number data are configured to have initial values.

A credit transaction processing system according to another aspect of the present invention includes a plurality of credit processing terminal devices,
And a host computer for each of a plurality of credit companies communicatively connected to the terminal device, wherein the terminal device transmits a message including the details of the transaction for each credit company each time there is a credit transaction, and the host computer responds to the transaction of the received message. A system that stores and accumulates contents,
It has the following features. The terminal device includes transmitting means for transmitting the message further including at least credit-company-specific transaction accumulated amount data updated each time a credit transaction is performed, and the host computer accumulates data up to that time in response to receiving the message by the transmitting means. And a transaction amount data updating unit that updates the accumulated transaction amount data in accordance with the coincidence determination by the determination unit. The terminal device further includes setting means for setting the transaction total amount data and the accumulated transaction metal data on the host computer side to initial values in response to the first communication on the day.

A credit transaction processing system according to another aspect of the present invention includes a plurality of credit processing terminal devices,
And a host computer for each of a plurality of credit companies communicatively connected to the terminal device, wherein the terminal device transmits a message including the details of the transaction for each credit company each time there is a credit transaction, and the host computer responds to the transaction of the received message. A system that stores and accumulates contents,
It has the following features. That is, the terminal device includes transmission means for transmitting a message further including data on the cumulative number of transactions for each credit company which is updated at least for each credit transaction, and the host computer accumulates the data up to that time in response to the reception of the message by the transmission means. The system includes a determining unit that determines whether the transaction count data matches the transaction total count data of the received message, and a transaction count data updating unit that updates the accumulated transaction count data in accordance with the match determination by the determination unit. The terminal device further includes setting means for setting the transaction total number data and the transaction number data accumulated in the host computer to initial values in response to the first communication on the day.

Further, according to another aspect of the present invention, the terminal device is communicatively connected to the host computer, and transmits a telegram including a transaction content for each credit company to the host computer every time there is a credit transaction. It has the characteristics of In other words, a transmission means for transmitting a message further including data on the number of transmissions for each credit company, which is updated each time a credit transaction is performed, and a method for setting the number of transmissions data to an initial value in response to the first communication on that day. Setting means.

A terminal device according to another aspect of the present invention is communicatively connected to a host computer, and transmits a telegram including a transaction content for each credit company to the host computer every time there is a credit transaction. Has features. In other words, the transmission means for transmitting a message further including the credit amount data of each credit company which is updated each time a credit transaction is performed, and the transaction total amount data is set to an initial value in response to the first communication on the day. Setting means.

Further, a terminal device according to another aspect of the present invention includes:
It is communicatively connected to the host computer and transmits a telegram including the transaction contents to the host computer every time there is a credit transaction, and has the following features. In other words, the transmission means for transmitting a message further including the credit company total transaction count data updated each time a credit transaction is performed, and the transaction total count data is set to an initial value according to the first communication on the day. Setting means.

[Operation] In the credit transaction processing system according to the present invention, the credit processing terminal device transmits a message including the transaction content for each credit company every time there is a credit transaction, and the host computer stores the transaction content of the received message in response. And accumulate. That is, the message further includes at least one of data on the number of times of transmission for each credit company, data on the total amount of transactions, and data on the total number of transactions, which are updated each time a credit transaction is performed. , Each of these data in the message is compared with the corresponding data accumulated inside, and when a match is determined, the corresponding accumulated data inside is updated. , It can be easily determined whether or not the communication processing between the terminal device and the host computer has been normally performed. Therefore, new communication processing for this determination is avoided, and the load does not increase.

In addition, the content of the message includes the total number data and the total amount data by the credit transaction processing up to the previous time in the terminal device, and determines the coincidence with each data similarly accumulated on the host computer side. Since the settlement (confirmation) of the credit transaction process can be performed for each credit transaction, it is not necessary to send a slip related to the credit transaction from the store, and the host computer does not need to input the slip data. Further, since the accumulated data relating to the previous credit transaction is exchanged for each credit transaction, the settlement (determination) can be performed while keeping the load on the communication line and the host computer constant at all times.

In addition, in each of the credit transaction processing systems described above, in response to the first communication on the day, data indicating the number of times of transmission and reception of telegrams accumulated on the terminal device and the host computer side, and the total of the transaction amount, respectively. The data shown and the data showing the total number of transactions are respectively initialized by the setting means, so that the aggregated data by the so-called credit transaction is cleared, and the closing process is performed.

Further, in each of the terminal devices according to the present invention, the setting means autonomously sets, on each terminal device side, total data indicating the number of times of transmission of a message by the transaction, total data indicating the total amount of the transaction, and total number of the transactions. Are cleared, and a so-called closing process is performed. Therefore, the communication processing with the host computer for clearing the tally data in each terminal device is omitted, and the load on each terminal device, the load on the host computer, the load on the communication line, and the like are reduced.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a schematic diagram showing the configuration of a credit transaction processing system according to one embodiment of the present invention.

In the figure, the transaction processing system employs a packet switching network as a communication system. A plurality of CAT1i (i = 1, 2, 3,...) Installed in each store and a credit company FEP connected to the CAT1i via the communication line 3
(Front End Processor: pre-processing device) 6j (j = 1,
, 2), and a host computer 5j connected to each of the FEPs 6j. Further, each of the CATis is
Each accessible memory is provided with a cumulative file 3i, and each FET 6j is also provided with a cumulative file 7j in an accessible memory.

The FEP 6j is a processor located in front of the host computer 5j, and mainly bears communication control processing. That is, functions such as disconnection of the communication line 3, disassembly and assembly of characters, editing of a message, execution of a transmission control procedure, and error control are shared from the host computer 5j. Each of the FEPs 6j has a processing function of accumulating data provided via the communication line 3 in the cumulative file 7j.

The functions related to the FEP 6j shown in the figure may be incorporated in the host computer 5j, the communication line 3 may be directly connected to the host computer 5j, and the host computer 5j may access the cumulative file 7j.

Each of the CATs 1i stores a cumulative file 3i in an accessible memory. The data contents registered in the cumulative file 3i are processed so as to be updated each time a credit transaction is completed.

In the credit transaction processing system configured as described above, each CAT1i provided on the store side includes, for each credit transaction, data on the contents of the current credit transaction, together with the credits stored up to the previous time stored in the cumulative file 3i. The cumulative data relating to the transaction is transmitted via the communication line 3 to the FEP 6j of the credit company to be transacted. The FEP 6j determines whether or not the accumulated data on the credit transaction processing up to the previous time stored in the accumulated file 7j is correct based on the data received via the communication line 3. If the result of the determination is correct, the cumulative data is updated using the data relating to the current credit transaction processing.
Therefore, the cumulative data of the cumulative file 3i provided on the store side and the cumulative file provided on the credit company side
This means that the cumulative data of 7j always matches.

Next, the cumulative file 3i provided in the store and the cumulative file 7j provided in the credit company will be described.

FIG. 2 is a schematic diagram showing the configuration of the cumulative file 3i accessed by the CAT 1i on the store side shown in FIG. 1 described above.

Figure 3 shows the credit company side shown in Figure 1 above.
FIG. 14 is a schematic diagram showing the configuration of a cumulative file 7j accessed by FEP 6j.

In FIG. 2, the cumulative file 3i has a record Rk (k =
1, 2, 3,..., M), and each of the records Rk includes items I1, I2, I3, and I4.

The item I1 stores code data D1 of all credit companies that perform data communication with the CAT1i accessing the cumulative file 3i for credit transaction processing. Also, item I2 contains transmission No data D2
Is stored in the item I3, and the total amount data D4 is stored in the item I4 and the total amount data D4 is stored in the item I4. The transmission No data D2 is the CAT1i to the credit company having the code data D1 registered in the same record Rk.
Is the data indicating the number of data transmissions. The cumulative number data D3 is data indicating the number of credit transactions between the credit company having the code data D1 registered in the same record Rk and the CAT1i up to the previous time. Further, the accumulated amount data D4 is data indicating the accumulated amount of transactions up to the previous time accumulated during the number of transactions indicated by the accumulated number data D3 registered in the same record Rk.

The data D2 to D4 of the record Rk described above are transmitted to the credit company having the code data D1 of the same record Rk for each credit transaction process with the customer. When there is a response from the credit company to this transmission, the data D2 to D4 are updated based on the transaction contents related to the current credit transaction processing.

In FIG. 3, the cumulative file 7j has a record rl (l =
, N), and each of the records rl includes items i1, i2, i3 and i4.

The item i1 stores CAT1i terminal code data d1 for performing data communication for credit processing with a credit company having a FEP 6j that accesses the cumulative file 7j. The item i2 has transmission No data
d2 is stored, the total number data d3 is stored in the item i3, and the total amount data d4 is stored in the item i4. The transmission No data d2 is count data indicating the number of transaction data receptions from the CAT 1i having the terminal code data d1 registered in the same record rl. The cumulative number data d3 is the terminal code data registered in the same record rl.
This is data in which the number of credit transactions sent from CAT1i having d1 for each credit transaction process is accumulated.
The accumulated amount data d4 is also data accumulated based on the transaction amount transmitted from the CAT1i for each credit transaction process.

The CAT 1i accesses the cumulative file 3i every time there is a credit transaction processing, and specifies the corresponding record Rk based on the code data D1 of the credit company to be transacted this time. Then, the transmission number of the identified record Rk
Data D1, total amount data D2 and total number data D3
Is transmitted to the communication line 3 in accordance with the contents of the current transaction (amount, number of cases, etc.). At this time, the data to be transmitted is edited into blocks of a fixed length called packets so that the data can be transmitted to the line 3. The data edited in packet units in this manner is hereinafter referred to as a telegram.
A message in the direction of EP6j is called an upstream message, and from FE6j to CAT
A message in the 1i direction is called a down message.

The upstream message includes data on the source and destination, and the FE that is the destination via the communication line 3
Sent to P6j. FEP6j receives the upstream message,
The terminal code of the originating CAT1i is read from the contents of the message, the terminal code data d1 of the cumulative file 7j is searched based on the terminal code, and the corresponding record rl is specified. After specifying the record rl, FEP6j returns the specified record rl
The data d2 to d4 registered in the data and the data D2 to D4 in the received upstream message are compared and collated respectively, and based on the comparison and collation result, the accumulated data by the previous credit transaction processing is determined, The presence or absence of a transmission error via the communication line 3 is checked. And
According to the comparison result, the data d2 to d2 of the record rl
If it is determined that the d4 content matches the data D2 to D4 of the received upstream message content, the FEP 6j accordingly responds to the record rl of the corresponding record rl by the data on the current credit transaction process included in the upstream message. The data of the total number data d3 and the total amount data d4 are updated, and the received upstream message is provided to the host computer 5j. When the host computer 5j receives the upstream message from the FEP 6j, it processes the upstream message and sends a downstream message to the communication line 3 via the FEP 6j. At this time, FEP6j determines that the current data transmission / reception has been established, and determines the transmission No data d2 of the corresponding record rl.
Is incremented by one. When the CAT1i receives the downlink message, the CAT1i confirms that the current data transmission / reception processing has succeeded, and increments only one transmission No data D2 of the corresponding record Rk of the cumulative file 3i. Therefore, after the data communication process performed for each credit transaction process, the cumulative file
The data contents of 3i and the cumulative file 7j provided on the credit company side match.

The data other than the data D1 and d1 of the cumulative files 3i and 7j are returned to the initial values by exchanging the first transaction message every morning. As a result, the accumulated data D3, d3 and D4 and d4 of the corresponding records Rk and rl of the files 3i and 7j are reset.
On the store side and the credit company side, the closing of the credit transaction processing on the previous day is performed simultaneously.

By the way, the above-mentioned closing work every morning is performed on the assumption that data communication is started by terminal activation from CAT1i. However, CAT1 for many days
If there is no upstream message from i, the final credit transaction processing cannot be determined and the transaction processing can not be closed. As a countermeasure in such a case, a message of the closing request is issued from the host computer 5j side to the corresponding CAT1i so that the closing operation of the credit transaction is forcibly performed.

Next, a data communication process performed each time a credit transaction process is performed between the host computer 5j via the CAT 1i and the FEP 6j will be described.

FIG. 4 is a diagram for explaining the data communication processing means in the case where there is a message every day in the credit transaction processing system according to one embodiment of the present invention.

FIG. 5 is a diagram for explaining a data communication processing procedure in the case where there is no upstream message for many days in the credit transaction processing system according to one embodiment of the present invention.

In the communication processing in FIGS. 4 and 5 described above, it is assumed that one CAT1i and one host computer 5j perform data communication in a one-to-one system for simplicity of description. . In addition, in addition to the contents of the current credit transaction (transaction amount, number of transactions, etc.), the upstream message includes transmission No data D2, cumulative number data D3, and cumulative amount data D4 read from the corresponding record Rk of the cumulative file 3i. Have been. The downstream telegram includes a response from the host computer 5j to the immediately preceding upstream telegram.

First, a communication process for a credit transaction when there is an up message every day will be described with reference to FIG.

In FIG. 4, CAT1i sets the transmission No data D2 of the corresponding record Rk of the cumulative total file 3i to an initial value (N = 1) in response to the first credit transaction (not shown) of January 1. . In addition, the closing work by the credit transaction processing of the previous day is performed, and the accumulated file 3i is processed.
The total number data D3 of the corresponding record Rk is set to 0, and the total amount data D4 is set to 0. The contents of the record Rk set in this manner are transmitted as the up-bound message 1 in FIG. 4 in accordance with the contents of the current transaction (amount, number of cases, etc.). Since the closing work was also performed on FEP6j, the transmission No data d2 of the corresponding record rl of the cumulative total file 7j is initialized to the initial value (=
1) It is set, and at the same time, the total number data d3 and the total amount data D4 are also set to 0. The FEP 6j checks whether the received transmission No data D2 (N = 1) of the upstream message 1 matches the transmission No data d2 (= 1) of the corresponding record rl of the cumulative file 7j. In response, FEP6j sends the upgoing message 1
Is given to the host computer 5j, and the data d3 and d4 of the corresponding record rl are cumulatively processed based on the contents of the current transaction processing of the upstream message 1, and the data is updated.
The host computer 5j transmits the downstream message 1 to the CAT 1i via the FEP 6j as a response to the upstream message 1. At this time, FEP6j sets the transmission No data d2 of the corresponding record rl to 1
Since only one increment process is performed, the data d2 is (=
2) is updated. When the CAT1i receives the downlink message 1, the CAT1i increments only one transmission No data D2 of the corresponding record Rk, so that the data D2 is also updated to (= 2). As described above, FEP6j is the transmission No data D2 of the received upstream message 1 and the transmission No data of the corresponding record rl.
Only when the data content matches d2, the upstream electronic message is given to the host computer 5j. Also,
At the time when the transmission No data match is confirmed, the total number data d3 and the total amount data d4 of the corresponding record rl
In this example, the current transaction content data of the message 1 is cumulatively added to the previous value, and the data is updated to prepare for the next transaction processing. When the CAT 1i receives the downlink message 1 from the host computer 5j, the CAT 1i similarly updates the data D3 to D4 of the corresponding record Rk by cumulatively adding the current transaction data. Therefore, at the time when the data communication in which the up message and the down message are paired is established, the data contents of the total file 3i and the total file 7j are simultaneously updated at the same time.

Next, when there is a second credit transaction process in CAT1i, as shown in FIG.
given to j. In response, the FEP 6j sends the downstream message 2 and updates the transmission No data d2 of the corresponding record rl of the cumulative file 7j to (= 3).

By the way, the host computer 5j sends the downlink message 2 to the communication line 3 via the FEP 6j in response to the reception of the uplink message 2. At this time, as shown in FIG. 4, if a transmission failure occurs for some reason during transmission of the downstream message 2, the CAT1i on the receiving side cannot receive the downstream message 2 normally. Therefore,
Since the CAT1i cannot update the reception No data D2 of the cumulative file 3i by increment processing, the reception No data D2 of the cumulative file 3i remains at the value (= 2) at the end of the first communication.

Thereafter, the transmission failure is recovered. The CAT 1i transmits the content of the previous upstream telegram 2 again to the FEP 6j as the upstream telegram 3. That is, the transmission No data D2, the total number data D3, and the total amount data of the corresponding record Rk of the total file 3i
D4 is given to FEP6j again as an upstream message 3.

FEP6j is the reception No data D2 (N =
2) is compared with the received No data D2 (= 3) of the cumulative file 7j to confirm that the data do not match. In response to this, the FEP 6j confirms that there was a transmission error during the previous communication, and thus instructs the host computer 5j to cancel the data content of the upstream message 2 given last time. In response, the host computer 5j cancels the previous content of the upstream message 2. After that, the FEP 6j returns the value of the reception No data d2 of the corresponding record rl of the cumulative file 7j from 3 to the original value (= 2). At the same time, the data content of the upstream telegram 2 is canceled from the total amount data D4 and the total number of cases data D3, and the total process is performed again based on the content of the received upstream telegram 3. The host computer 5j sends the downstream telegram 3 to the communication line 3 via the FEP 6j in response to receiving the upstream telegram 3. At this time, the reception No data d2 of the cumulative file 7j of FEP6j is incremented by one and updated to 3. When the CAT 1j receives the downstream telegram 3, the CAT 1j updates the reception No data D2 of the corresponding record Rk of the cumulative file 3i to 3 accordingly.

As described above, in the FEP6j, the transmission No data d2 included in the upstream message and the transmission No data d2 of the total file 7j
If the contents do not match, it is determined that some transmission failure has occurred, and processing is performed so that transmission / reception of the previous message is performed again. Therefore, even if any transmission failure occurs, the contents of the cumulative file 3i accessed by CAT1i and the F
Data recovery processing is performed so as to match the contents of the cumulative file 7j accessed by the EP 6j.

As shown in FIG. 4, when the exchange of the electronic message 3 is performed, the credit transaction processing for one day is completed.

When the first credit transaction processing for January 2 of the next day starts, the CAT 1i transmits an upstream message 4. This upstream message 4 is data including the total credit transaction up to the last transaction on January 1 of the previous day. At this time, FEP6j
In response to the transmission No data D2 (N = 3) of the upstream message 4 matching the transmission No data d2 (= 3) of the cumulative file 7j, the received upstream message 4 is transmitted to the host computer 5j.
Give to. The host computer 5j receives the upstream message 4 and converts the downstream message 4 into a CAT via the FEP 6j.
Give to 1i. At this time, the FEP 6j initializes the data d2 to d4 of the corresponding record rl of the cumulative file 7j by transmitting and receiving the first message in the morning. As a result, the credit company closes the data relating to the credit transaction processing for January 1 of the previous day. Also, CAT1i
Indicates that the total number of files 3i
The data D2 to D4 are initialized, and the store closes the data on the credit transaction processing of the previous day.

Thereafter, the credit transaction processing for January 2 is started by exchanging the telegram 5 in the same manner as the previous day.

As described above, by including the cumulative number data D3 and the total amount data D4 for each credit company in the message sent to the credit company, the credit transaction processing can be performed so that the contents of the transaction up to the previous time can be determined. .

In addition, since the upstream message further includes reception No data D2, which is also a processing serial number for each credit company, if any trouble occurs in transmission, reception at the store side and the credit company side will be performed. A shift in the increment processing occurs in No data. Therefore, the credit company can instruct the host computer 5j to cancel the previous transaction. Also, the store side CA
Immediately after recovery from the occurrence of the failure, the T1i performs a maintenance process by sending a new message (retransmission of the previous message) each time. The data content of the file 3i can be matched with the data content of the accumulation file 7j provided on the credit company side.

As described above, communication processing is usually performed by calling a terminal from the CAT1i side.If no upstream message is sent from the CAT1i for several days, the contents of the last credit transaction are not determined and the closing Work is not performed.
In such a case, a method as shown in FIG. 5 is used.

In FIG. 5, CAT1i performs data communication processing by credit transaction processing with the host computer 5j via FEP6j from January 1 to January 5.

First, on January 1, the transaction processing for January 1 is terminated by the end of the transmission / reception processing by the telegram 3 while maintaining the transmission failure as described in FIG. 4 described above.

During the period from January 2 to January 4 of the next day, the credit transaction between the CAT 1i and the credit company, that is, the host computer 5j via the FEP 6j was not performed. The last credit transaction processing for the previous day, that is, January 1, which should be performed, cannot be determined, and the data closing operation for January 1 cannot be performed. Therefore, the host computer 5j, for example, requests a closing of the transaction processing for January 1 on January 5 by sending a "closing request message" to CAT1i.
Give to. Upon receiving the request message, the CAT 1i transmits a response message created based on the record Rk of the cumulative file 3i. Then, the transmission No data D2 of the total file 3i is initialized (N = 1), and further the total number data D3
In addition, the total amount data D4 is set to 0 and the closing process is performed. When receiving the response message to the request message, the FEP 6j transmits the transmission No data D2 (N =
3) and the transmission No data d2 of the record rl of the cumulative file 7j
(= 3), and confirms the coincidence. As a result, the FEP 6j initializes data relating to the record rl and performs the closing process.

As described above, even if credit transaction processing does not occur for several days, the host computer 5j can issue a "close request message", thereby closing and initializing the previous transaction contents. .

In the above-described embodiment, the occurrence of a transmission failure is detected and the recovery from this failure is performed based on the presence / absence of the content match between the reception No data D2 and d2, but the data to be compared and collated is not specified. . That is, any data may be used as long as the credit transaction up to the previous time can be determined. Therefore, comparison and collation of the total number data D3 and d3 or comparison and collation of the total amount data D4 and d4 may be performed. In addition, CAT1i includes the previous transaction amount data in the upstream message, and FEP6j detects the occurrence of transmission failure by comparing and comparing with the previous transaction amount data when receiving the current upstream message, and You may make it recover.

As described above, in addition to the contents of the current transaction, the cumulative number data D3 and the total amount data D4 of the previous transactions are included in the upstream message reporting the credit transaction processing from CAT1i to the credit company host computer 5j. By performing data comparison and collation with the host computer, settlement (confirmation) of credit transaction processing can be performed without a slip. That is, it is not necessary to send the slip from the store, and the host computer 5j does not need to input the sent slip data, so that the time required for the slip processing can be saved. Further, the settlement (determination) of the credit transaction processing is performed for each credit transaction, so that the communication processing for the settlement is not concentrated, the load on the communication line 3 is equalized, and the host computer is
The load of 5j is made uniform without a sudden increase in a short time, and the cost of the system itself can be reduced.

[Effects of the Invention] In each of the credit transaction processing systems according to the present invention, the credit processing terminal device includes at least a transaction data indicating the total number of transaction amounts and the number of times of transmission of a message for each credit company which is updated each time a credit transaction is performed. A message including transaction contents further including either the total amount data or the transaction total number data indicating the total number of transactions is transmitted. Then, in response to the reception of the message, the host computer updates the corresponding number-of-receptions data, transaction amount data, and transaction number data accumulated in the contents. It is possible to confirm that no transmission error has occurred by judging that each of these data indicating the cumulative total of the data and the corresponding data accumulated on the host computer side matches. Then, it is possible to confirm that there has been some kind of transmission failure, and it is possible to immediately execute a recovery process for the transmission failure.

Further, in each of the credit transaction processing systems according to the present invention, since the processing terminal device transmits the credit transaction data to the host computer every time the credit transaction data includes the transaction total number data or the transaction total amount data up to the previous time. The host computer determines whether each of the data and the transaction amount data accumulated so far coincides with each other on the host computer side, so that the settlement (decision) of the previous credit transaction is determined by the credit transaction. Can be done at any time. This eliminates the need to send a slip to the credit company at the store, and eliminates the need to input the sent slip data on the host computer. In addition, the credit transaction is settled (confirmed) every time the credit transaction is performed, so that it is not necessary to periodically perform the credit transaction settlement, thereby reducing the load for the settlement processing on the host computer side and reducing the communication line. Load can always be averaged.

Further, in each of the credit transaction processing systems according to the present invention and in each of the terminal devices according to the present invention, setting means is provided, and in response to the first communication of the day, the above-mentioned transaction is performed. Since the data indicating the cumulative total is set to the initial value and the aggregated data is cleared, in other words, the closing process related to the credit transaction up to the previous day is performed. For this process, a special message is transmitted via the communication line. Is avoided, and the processing load on the terminal device, the host computer, the communication line, and the entire system is reduced.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing the configuration of a credit transaction processing system according to one embodiment of the present invention. FIG. 2 is a schematic diagram showing the structure of a cumulative file accessed by the CAT on the store side shown in FIG. FIG. 3 is a schematic diagram showing the structure of a cumulative file accessed by the FEP of the credit company shown in FIG. FIG. 4 is a diagram for explaining a data communication processing procedure in the case where there is an incoming message every day in the credit transaction processing system according to one embodiment of the present invention. FIG. 5 is a diagram for explaining a data communication processing procedure in the case where there is no upstream message for many days in the credit transaction processing system according to one embodiment of the present invention. FIG. 6 is a schematic diagram for explaining a first credit processing method adopted for a conventional transmission error countermeasure. Seventh
FIG. 1 is a schematic diagram for explaining a second credit processing method adopted for a conventional transmission error countermeasure. In the figure, 1i is CAT, 3i and 7j are cumulative files, 3
Is a communication line, 5j is a host computer, 6j is FEP, D1 is credit company code data, D2 and d2 are transmission No.
Data, D3 and d3 are cumulative data, D4 and d4
Is accumulated amount data, and d1 is CAT terminal code data. (I, j = 1, 2, 3,...) In the drawings, the same reference numerals indicate the same or corresponding parts.

Claims (6)

(57) [Claims] A plurality of credit processing terminals and a host computer for each of a plurality of credit companies communicatively connected to the terminal devices, wherein the terminal device stores transaction contents for each credit company every time there is a credit transaction. In the credit transaction processing system which transmits and transmits the electronic message including the transaction content of the received electronic message and accumulates the content of the received electronic message, the terminal device transmits at least the transmission count data for each credit company updated at least for each credit transaction. The host computer further includes a transmission unit that transmits the electronic message, wherein the host computer updates a reception count data in response to the transmission of the electronic message by the transmission unit; One of the reception count data updated by the reception count data updating means The terminal device further comprises a setting unit for setting the transmission count data and the reception count data to initial values in response to the first communication of the day. , Credit transaction processing system. 2. A plurality of credit processing terminal devices, and a host computer for each of a plurality of credit companies communicatively connected to the terminal device, wherein the terminal device performs transaction processing for each credit company every time there is a credit transaction. In the credit transaction processing system which transmits and transmits the telegram including the transaction data, the host computer stores and accumulates the transaction content of the received telegram, wherein the terminal device comprises: The host computer determines, in response to the reception of the message by the transmission unit, a match between the accumulated transaction amount data and the transaction total amount data of the received message. Discriminating means, and the transaction amount data Setting means for setting the transaction total amount data and the transaction amount data to initial values in response to the first communication of the day. Have,
Credit transaction processing system. 3. A plurality of credit processing terminal devices, and a host computer for each of a plurality of credit companies communicatively connected to the terminal device, wherein the terminal device stores transaction contents for each credit company every time there is a credit transaction. In the credit transaction processing system which transmits and transmits the message including the received message, and the host computer stores and accumulates the transaction content of the received message, the terminal device includes: The host computer determines, in accordance with the transmission of the message by the transmission unit, a match between the accumulated transaction number data and the transaction total number data of the received message. Determining means for determining the number of transactions in accordance with the match determination by the determining means. Update means for updating the data, the terminal device further comprises a setting means for setting the transaction total number data and the transaction number data to initial values in response to the first communication of the day. Have,
Credit transaction processing system. 4. A terminal device communicatively connected to a host computer for transmitting a telegram including the contents of a transaction for each credit company to the host computer every time there is a credit transaction, wherein the transmission for each credit company is updated for each credit transaction. A terminal device comprising: transmitting means for transmitting the message further including frequency data; and setting means for setting the transmission frequency data to an initial value in response to the first communication on the day. 5. A terminal device communicatively connected to a host computer and transmitting a telegram including the contents of a transaction for each credit company to the host computer every time there is a credit transaction, wherein the transaction for each credit company is updated for each credit transaction. Transmission means for transmitting the message further including cumulative amount data, and setting means for setting the transaction total amount data to an initial value in response to communication for the first time on the day,
Terminal device. 6. A terminal device communicatively connected to a host computer and transmitting a telegram including the contents of a transaction for each credit company to the host computer every time there is a credit transaction, wherein the transaction for each credit company is updated for each credit transaction. Transmission means for transmitting the message further including cumulative number data, and setting means for setting the cumulative number of transaction data to an initial value in response to the first communication of the day,
Terminal device.