JPH0160866B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a transaction settlement processing system in which, for example, a customer purchases a product at a store and pays for it with a card.

When a customer uses a card to pay for purchases at a store, the store must have a branch of the financial institution that both the customer and the store do business with.
Equipment costs are rising.

Therefore, it is an object of the present invention to provide a transaction settlement processing method that allows payment by card without requiring the above-mentioned equipment.

According to the present invention, a payment reservation message is transmitted from the terminal to the customer's financial institution, and the transaction financial institution creates a payment reservation file when payment is possible. The customer uses the terminal to request a transfer from the transaction financial institution to the retailer's transaction financial institution, and the customer's transaction financial institution processes the withdrawal based on the payment reservation, and then deletes the payment reservation file. At the store, there is no need to set up a branch of the financial institution with which both the customer and the store do business, and transactions can be settled by card, and payments are reserved.
By prohibiting withdrawals from other transactions until the transfer process is completed, insufficient balance can be prevented, and the card can also be used outside of the financial institution's business hours, increasing the use of the card.

An embodiment of the present invention having such characteristics will be described in detail below with reference to the drawings.

The drawing shows a transaction settlement processing system in which a customer pays for purchases using a cash card in a supermarket. FIG. .

The input device 1 for customers has a numeric keypad 3, a confirmation button 4, and a display section 5. The numeric keypad 3 is used by the user to input a password that the user memorizes, and the input password is displayed on the display section 5. The customer confirms this and if it is OK, presses the confirmation button 4 to complete the input of the password. Note that when the confirmation button 4 is pressed, the display on the display section 5 is cleared.

The operating device 2 for staff includes a keyboard 6, a display section 7,
It has a card reader 8, a receipt issuing machine 9, a journal printer 10, a cassette tape device 26, and a transmission instruction switch 27. , function key 12 specifies yen when the digit is an amount,
Specify this during transfer processing.

The display section 7 displays the amount input by the clerk or the amount data wired from the bank.

The card reader 8 reads the card data by manually feeding the cash card 13 carried by the customer into the card reader 8, and the card 13 also contains the bank number and branch number of the bank (transfer source) with which the customer is making transactions. Necessary card data such as , account number, and PIN number are magnetically recorded.

The receipt issuing machine 9 issues a receipt with printed transaction details to be given to the customer, and the journal printer 1
0 prints transaction details on journal paper, which are built into the device 2.

A cassette tape device 26 records deposit data on tape, and this device 26 is also built into the device 2.

The transmission instruction switch 27 is operated when batch processing the deposit data recorded on the above-mentioned tape on-line.

Figure 2 shows the control circuit of the terminal device, and the MCPU
14 is composed of, for example, a microprocessor. The memory 15 includes a ROM and a RAM, a program is stored in the ROM, and the MCPU 14 controls each circuit device according to this program. Also
As shown in Figure 3, the RAM contains the bank number, branch number, and account number of the bank with which the supermarket does business (transfer destination), the amount of each product purchased by the customer, and the total amount, as well as each bank number and its A conversion table that stores bank telephone numbers in association with each other, and various data such as amounts and instructions transmitted from the bank are stored and read out.

The input/output interface 16 is connected to various devices.
The MCPU 14 is connected, and the transmission control circuit 17 has an auto-dial function and automatically dials the connected bank.
5 to the public telephone line.

Note that the power supply device 19 supplies power to each circuit device.

Figure 4 shows the banks that the supermarket does business with.
The CPU 20 is a computer that controls each device according to a program, and is connected to a public telephone line via a communication control device 21, a modem 22, and a network control device 25.

Center file 23 connected to CPU 20
Customer transaction data, deposit data, etc. are stored in files. Also, the CPU 20 has modems 22 and 22.
A switching CPU 24 is connected thereto, and this CPU 24 has a telephone exchange function and connects to the customer's bank via a specific telephone line. Note that this telephone line can also be a public line.

Note that the customer's bank is structured similarly to the supermarket's bank described above. However, as shown in Figure 5, the center file has multiple reservation areas in the customer's account area, and these reservation areas are for payment reservations, including the reservation number, transaction amount (payment amount), and items. Reservation data such as is stored.

To explain the transaction settlement process with reference to Figure 6,
When a customer purchases a product at a supermarket, he/she presents a cash card 13 to an attendant at a checkout counter, and the attendant manually inserts the cash card 13 into a card reader 8 of an operating device 2 for the attendant to read the card data. The card data is then stored in the memory 15.

The customer inputs a password using the ten-key pad 3 of the customer input device 1, this password is displayed on the display section 5, and if it is OK, the input is completed by pressing the confirmation button 4.

The MCPU 14 compares the password data in the card data with the password data input by the customer to compare the correspondence between the customer and the card 13.

If the correspondence between the two parties is not recognized, a message to that effect is displayed on the display section 7 of the operating device 2, and the payment is not possible and the card 13 is returned to the customer or the customer is instructed to try again.

If both parties agree, payment is possible, and the staff member enters the product number and amount purchased by the customer on numeric keypad 11 and function key 1.
Enter by 2. The amount data and the total amount data of the product are stored in the memory 15, and each time the amount of the product is input, the amount is displayed on the display section 7, and the total amount is also displayed.

The staff member confirms the total amount displayed,
By pressing the function key 12 indicating OK, the MCPU 14 creates the following payment reservation input message and transmits it to the customer's bank.

Input message (payment reservation data) Source bank number, branch number, account number, transaction (payment reservation), amount (payment amount), transfer reservation destination bank number, branch number, account number, transaction (withdrawal reservation), Amount (amount to be paid) The MCPU 14 reads the telephone number of the customer's bank from the conversion table in the memory 15, and the transmission control circuit 17 performs automatic dialing to call the customer's bank.

On the other hand, the customer's bank accesses the center file based on the account number in the input message mentioned above, checks the deposit balance, determines whether withdrawal is possible, and accepts the reservation if withdrawal is possible. The reservation number is marked and stored in the reservation area corresponding to the customer's account number, and the data of the transfer reservation destination of the payment reservation data mentioned above is stored to create a reservation file. Then, the following output message indicating reservation availability data is created and transmitted to the terminal device.

Output message (reservation availability data) Transfer source bank number, branch number, account number, transaction (payment reservation), amount (payment amount), reservation number, effective balance, transfer reservation bank number, branch number, account number, transaction ( (withdrawal reservation), amount (amount to be paid) It is determined that the reservation is not possible when the valid balance of the above data is a negative value.

The attendant operating device 2 of the terminal displays the output message on the display section 7, and the MCPU 14 determines the reservation number and valid balance from the output message and determines whether the reservation is possible. If the reservation is not made, there will be a code indicating insufficient balance in the reservation number area, and the effective balance will be shown as a negative value.

In the above-mentioned determination, if the reservation is unsuccessful due to insufficient balance, payment cannot be made and the card 13 is returned to the customer.

However, when it is determined that the reservation has been established, the receipt issuing machine 9 prints the following transaction data on the receipt based on the above-mentioned output message.

Processing date, terminal machine number, transfer source bank number, branch number, account number, amount, new balance Furthermore, the journal printer 10 adds the following data to the above transaction data and prints it on journal paper.

The transfer destination bank number, branch number, account number, amount, new balance, and the receipt are released and handed to the customer along with the card 13, completing the transaction with the customer.

Furthermore, the terminal device creates the following deposit file in the cassette tape device 26 and records it.

Deposit file Source bank number, branch number, account number, transaction (withdrawal), amount (payment amount) reservation number Once such a file is created and recorded on tape, it will be used to record the provisional payment between the customer and the supermarket. ends.

Next, we will discuss the transfer process (batch process) between the supermarket and the customer's bank. By pressing the transmission instruction switch 27 at any time when transfer transactions with the bank are possible, the terminal device
You can request the supermarket's bank to process the transfer.

That is, when the above-mentioned switch 27 is pressed, the input file recorded on the cassette tape device 26 is read out one transaction at a time and transfer processing is performed.

The MCPU 14 creates the following input message (request data for transfer processing) based on the data of the above-mentioned deposit file and the bank data of the supermarket stored in the memory 15.

Input message (request data for transfer processing) Transfer source bank number, branch number, account number, transaction (withdrawal), amount (payment amount), reservation number Transfer destination bank number, branch number, account number, transaction (deposit) , the amount (the amount paid), and transmits this input message to the supermarket's bank. This transmission is performed by accessing the conversion table in the memory 15 based on the supermarket's bank number data and reading out the corresponding telephone number.
7 to automatically dial and call the supermarket's bank.

The supermarket's bank processes the deposit based on the input message mentioned above, and also performs switching based on the bank number data of the transfer source (customer's bank).
The CPU 24 is operated to call the customer's bank and transfer the withdrawal data of the internal transfer source of the input message mentioned above.

The customer's bank accesses the center file based on the customer's account number, checks and updates the bank balance and reservation number, and cancels the reservation.
Create the following output message of the customer's withdrawal data and transmit it to the supermarket's bank.

Output message (withdrawal data) Source bank number, branch number, account number, transaction (withdrawal), amount (payment amount), new balance When the supermarket's bank receives the above output message, the transfer process is completed. The following output message is created and transmitted to the terminal device.

Output message (transfer processing completion data) Transfer source bank number, branch number, account number, transaction (withdrawal), amount (payment amount), new balance Transfer destination bank number, branch number, account number, transaction (deposit) , amount (amount paid), new balance When the terminal device receives the above-mentioned output message, it journalizes the following transaction data using the journal printer 10 based on this message and completes the payment process.

Processing date, terminal machine number Transfer source bank number, branch number, account number, amount, new balance Transfer destination bank number, branch number, account number, amount, new balance In the above example, the transfer request is sent via the transmission instruction switch. Although this is carried out by the operation of 27, it may be carried out automatically at a predetermined time using a timer or the like, or it may be carried out by instructions from the super bank. Also, a floppy disk may be used in place of the cassette tape device 26. Furthermore, batch processing may be performed off-line. Furthermore, the telephone lines for the terminal, the supermarket's bank, and the customer's bank may be either specific or public. Also, although the explanation is aimed at banks, other financial institutions may also be used.

[Brief explanation of drawings]

The drawings show an embodiment of the invention, and FIG. 1 is a perspective view of a terminal device. FIG. 2 is a control circuit block diagram of the terminal device. FIG. 3 is an explanatory diagram of the storage area of the memory. Figure 4 is a control circuit block diagram of a super transaction bank. FIG. 5 is an explanatory diagram of the center file of the customer's bank. FIG. 6 is a flowchart. 2... Attendant operating device, 14... MCPU, 15...
Memory, 17...Transmission control circuit, 20...CPU, 2
1... Communication control device, 23... Center file, 2
4...Switching CPU, 25...Network control device.

Claims (1)

[Scope of Claims] 1. Transmit a payment reservation message from the terminal to the customer's financial institution, the financial institution creates a payment reservation file when payment is possible, and when the payment reservation is established, the above-mentioned Transaction settlement in which the customer's financial institution requests a transfer from the customer financial institution to the store's customer financial institution using the terminal, and the customer's customer financial institution processes the withdrawal based on the payment reservation and then deletes the payment reservation file. Processing method.