JPH0782506B2 - Card authentication terminal - Google Patents

Description

TECHNICAL FIELD The present invention relates to a card authentication terminal device, and in particular, when the purchase amount data of a customer exceeds a predetermined limit amount, authentication processing by a host device is performed, Relates to a card authentication terminal device that performs simulated authentication processing without using the host device when the purchase amount is less than or equal to the limit amount.

[Prior Art] Recently, with the spread of credit cards, a transaction processing device that inquires of a host device whether or not payment by credit card is possible, and performs a card authentication process such that the inquiry result is displayed. It has been put to practical use. Such a transaction processing device is called a card authentication terminal device or a CAT (credit authorization terminal).

However, conventionally, when credit transaction processing is performed using a credit card, not all credit transaction processing is subject to card authentication processing. That is, the card authentication process is performed only when the purchase price of the customer exceeds a predetermined amount, and the transaction process is performed when the authentication result indicating that the transaction is possible is transmitted from the host device. On the other hand, when the purchase amount is less than or equal to a predetermined amount, transaction processing is unconditionally performed. Here, it is determined by the operator of the store whether or not the purchase amount of the customer exceeds a predetermined amount.

However, in the above-mentioned conventional method, since the operator determines the amount of money, the operator erroneously permits the transaction unconditionally, despite the amount of money that the card authentication process originally had to be performed. , It was sometimes impossible to collect the payment later. In addition, a shopper who knew that the card authentication process was not performed within a certain amount of money sometimes used an unauthorized card to shop.

Therefore, if the purchase price is large, the actual authentication process is performed by the host device, and if the purchase price is small, the host device is inquired without actually performing the authentication process. It is considered that the card authentication terminal device has a simulated authentication function that makes it look like it is present.

[Problems to be Solved by the Invention] However, when the simulated authentication function as described above is performed, if the processed data such as card data and amount data in the simulated authentication is not transmitted to the host device at all, the simulated authentication is performed. The slip issued at the time of processing must be regularly sent to the credit company and input to the host device. In such a method, since the input of transaction data to the host device is delayed, it is not possible to grasp the cumulative amount of small purchase data, and it is impossible to perform an accurate credit limit check when performing card authentication in the host device. There was a problem.

Therefore, the main object of the present invention is to solve the above-mentioned problems by storing simulated authentication data and transmitting it to the host device in a batch when the storage area becomes full later. It is to provide a card authentication terminal device.

[Means for Solving Problems] The present invention relates to a reading means for reading card data, an input means for inputting a customer's purchase amount data, and a limit amount predetermined by the purchase amount data input from the input means. Inputting from the card data read by the reading means and the input means in response to the determination means for determining whether or not the data exceeds the data, and the determination means determining that the purchase amount data exceeds the limit amount data That the purchase amount data is less than or equal to the predetermined limit amount data by the authentication processing means for transmitting the obtained amount data to the host device to make an authentication request and displaying the authentication result by the host device, and the determining means. According to the above, a card authentication terminal device equipped with simulated authentication processing means for performing simulated authentication processing without requesting the host device for authentication. Whenever the simulated authentication processing is performed by the simulated authentication processing means, at least storage means for accumulatively storing the card data read by the reading means and the amount data inputted from the input means, and a storable area in the storage means are provided. The detection means for detecting the loss, and the detection means, in response to the determination that the purchase amount data is less than or equal to the predetermined limit amount data, cause the detection means to perform detection.
In response to detecting that the storage means has no more storable area, the authentication processing means performs the authentication processing without performing the simulated authentication processing by the simulated authentication processing means and stores the information without disconnecting the communication. The control means controls the data stored in the means to be transmitted to the host device.

[Operation] In the card authentication terminal device according to the present invention, the card data and the sales amount data in the simulated authentication processing are stored in the storage means each time the simulated authentication processing means performs the simulated authentication processing, and can be stored in the storage means. When the card authentication is performed after the remaining area disappears, even if the amount data is less than or equal to the predetermined limit amount, the authentication processing is performed without performing the simulated authentication processing, and then the storage means is not disconnected without disconnecting the communication. The stored data is transmitted to the host device.

[Embodiment] FIG. 3 is an external perspective view of a CAT according to an embodiment of the present invention. In FIG. 3, a CAT1 is provided with a card reader 2, a keyboard 3 and a display 4. Further, CAT1 is connected to a host device (not shown) that performs authentication processing, for example, via a telephone line network. The card reader 2 reads card data from a card. The cards used are
Generally, a credit card is used, but a cash card or the like may be used. The card data includes, for example, card number data and customer account number data. As will be described later with reference to FIG. 4, the keyboard 3 is provided with keys and the like for inputting amount data. The display unit 4 displays the data input from the keyboard 3 and the result of the authentication process. There are two types of data in the result of this authentication processing. One is actual authentication response data from the host device, and the other is simulated authentication response data not depending on the host device.
The actual authentication response data is the content of the response in which the host device actually responded to the authentication request from CAT1. On the other hand, the simulated authentication response data is not the response content that the host device actually responded to, but the simulated response content preset in the memory of CAT1. In this embodiment, when the card is read by the card reader 2, the amount data is input from the keyboard 3, the card company is selected, and a dialing instruction is issued, a predetermined simulation is performed without making an authentication request to the host device. The operation of displaying the authentication result of (1) on the display 4 is referred to as a simulated authentication processing operation.

The actual authentication process is executed when the purchase amount of the customer exceeds a predetermined limit amount, and the simulated authentication process is normally executed when the purchase amount of the customer is equal to or less than the predetermined limit amount. The simulated authentication response data described above does not differ from the actual authentication response data in terms of display. Even if the simulated authentication processing is performed, the actual authentication processing operation is performed on the customer and the operator. Can be thought of as In this way, all credit transactions conducted using the card are made to appear to be authenticated regardless of the purchase amount of the customer, so the operator is aware that unauthorized use of the card is impossible. Since it can be given to customers and customers, it is possible to prevent card crimes.

FIG. 4 is a diagram showing a key arrangement of the keyboard shown in FIG. In FIG. 4, the keyboard 3 is provided with a card company selection key 31 for selecting a card company, a numeric key 32 for inputting amount data and the like, and a dial key 33 for calling the host device.

FIG. 5 is a schematic diagram showing the electrical configuration of the CAT shown in FIG. In FIG. 5, CAT1 is provided with a CPU8. CP
The U8 is connected to the above-mentioned card reader 2, keyboard 3, display 4 and the like, as well as a modem 5, a ROM 6 and a RAM 7. The modem 5 is for performing data transmission between the CPU 8 and the host device, and is for modulating or demodulating a signal transmitted via the telephone network. The ROM 6 stores the operation program of the CPU 8 based on the flowcharts shown in FIGS. 1 and 2 which will be described later. RAM7
Includes an area for storing simulated authentication transaction data as shown in FIG. 6 described later.

FIG. 6 is a diagram for explaining the memory configuration of the RAM shown in FIG. In FIG. 6, the RAM 7 is provided with a limit amount buffer 71, an authentication number buffer 72, a message buffer 73, a calculation buffer 74, a display buffer 75, a simulated authentication processing flag storage area 76 and a simulated authentication buffer 77. The limit amount buffer 71 stores authentication process limit amount data that serves as a criterion for determining whether or not to execute the simulated authentication process. This limit amount data can be set from the keyboard 3, for example. The authentication number buffer 72 stores the simulated authentication number data of the previous simulated authentication. The simulated authentication number is a number created in CAT1 and corresponds to the authentication number issued every time the host device performs the authentication process. A simulated authentication message is stored in the message buffer 73. The simulated authentication message is a preset message and corresponds to the authentication message transmitted from the host device. The simulated authentication message is set from the keyboard 3, for example. The calculation buffer 74 is used to calculate the simulated authentication number issued this time. The display buffer 75 stores data to be displayed on the display unit 4. In the simulated authentication processing flag storage area 76,
A flag indicating whether or not to carry out simulated authentication is stored.
The simulated authentication buffer 77 cumulatively stores the card data, the amount data, and the simulated authentication number data every time the simulated authentication process is executed.

1 and 2 are flow charts for explaining the operation of the present invention. In particular, FIG. 1 shows the overall card authentication process, and FIG. 2 shows simulated operation of issuing authentication data. It shows the operation.

Next, the operation of the embodiment of the present invention will be described in detail with reference to FIGS.

When a customer wants to pay with a credit card at a store, the operator of the store deposits the card from the customer and inserts the card into the card reader 2 of CAT1. In step S1 (abbreviated as S1 in the figure), the card reader 2 reads the card data from the inserted card, and the CPU8
Give to. The CPU 8 stores the read card data in a predetermined area (not shown) of the RAM 7. Then, step S2
When the operator operates the numeric keys 32 of the keyboard 3 to input the purchase amount of the customer, the CPU 8 stores the input amount data in a predetermined area (not shown) of the RAM 7. Succeedingly, in a step S3, the CPU 8 determines whether or not the input purchase amount data is equal to or less than the authentication processing limit amount stored in the limit amount buffer 71. As described above, in this embodiment, since the operator does not judge the size of the purchase amount, the operator's judgment error unlike the conventional CAT is eliminated.

Here, if the purchase amount is less than or equal to the authentication processing limit, the CPU 8 executes the simulated authentication processing in the subsequent processing in step S4, and therefore the flag F in the simulated authentication processing flag storage area 76 is set to, for example, "1". Set to. Then, in step S5, the operator presses any one of the card company selection keys 31, and then presses the dial key 33. Succeedingly, in a step S6, the CPU 8 determines whether or not the simulated authentication processing flag F is set to "1". Here, if the simulated authentication processing flag F is not set to "1", the host device is called, so that step S9 is performed.
In this state, a direct current circuit is formed with the exchange to enable transmission, that is, the same state as the normal off-hook state of a telephone. On the other hand, if the simulated authentication processing flag F is "0", CP
In step S7, the U8 determines whether the simulated authentication buffer 77 is full. Here, if the simulated authentication buffer 77 is not full, the CPU 8 executes step S9.
Since the operation of is not performed, the same state as the on-hook state continues, but if the simulated authentication buffer 77 is full,
In order to perform the authentication processing by the host device and to transmit the stored contents of the simulated authentication buffer 77 even under the conditions for performing the simulated authentication processing, the simulated authentication processing flag F is reset in step S8, and the operation in step S9 described above is performed. To do.
Next, in step S10, whether in the on-hook state or the off-hook state, the CPU 8 performs dialing, and in step S11, transmits the card data and the amount data in the current card authentication processing to the host device. . It goes without saying that nothing is transmitted in the on-hook state. That is, if the customer's purchase amount data exceeds the limit amount, or if the customer's purchase amount is less than or equal to the limit amount and the simulated authentication buffer 77 is full, data transmission is performed to the host device, In other cases, data transmission is not performed. Succeedingly, in a step S12, the CPU 8 determines whether or not the simulated authentication processing flag F is set to "1". If the simulated authentication processing flag F is not set to "1",
In step S13, the response, that is, the authentication result, is received from the host device, and subsequently, in step S14, the response data is stored in the display buffer 75. Subsequently, the CPU 8 checks again in step S15 whether or not the simulated authentication buffer 77 is full, and if the simulated authentication buffer 77 is full, in step S16, reads the data of the simulated authentication buffer 77. In response to the transmission to the host device and transmission of all the data, the simulated authentication buffer 77 is cleared in step S17. Then, in step S18, a telephone line disconnection process is performed. If the purchase amount of the customer exceeds the limit amount, step S15
In step S16, the simulation authentication buffer 77 is not determined to be full, and the process proceeds to step S18 where steps S16 and S17 are skipped. Then, in step S19,
The CPU 8 displays the contents of the display buffer 75 on the display unit 4.

On the other hand, when it is determined in step S12 that the simulated authentication processing flag F is set to "1", the CPU 8 issues simulated authentication response data in step S20. In this simulated authentication response data issuing process, as shown in FIG. 2, first, in step S201, the CPU 8 generates a random number and stores it in the arithmetic buffer 74. Subsequently, in step S202, the CPU 8 reads the authentication number data stored in the authentication number buffer 72 at the time of the previous simulated authentication processing, adds the random number stored in the calculation buffer 74,
Generate this simulated authentication number data. Here, a random number is added to the previous simulated authentication number instead of a constant to generate the simulated authentication number this time, so that the operator does not notice that the simulated authentication is being performed. is there. In step S203, the CPU 8 creates simulated authentication response data based on the simulated authentication message data stored in the message buffer 73 and the current simulated authentication number data stored in the calculation buffer 74.

Subsequently, in step S21 of FIG. 1, the CPU 8 stores the simulated authentication response data in the display buffer 75, and subsequently in step S22, the CPU 8 simulates the card data, the amount data and the simulated authentication number data of the simulated authentication transaction. Store in the authentication buffer 77. Then, in step S23, C
The PU 8 corrects the processing time with respect to the actual authentication processing by the host device so that the processing time does not differ from the actual authentication processing. Then, in step S19, the CPU
8 displays the simulated authentication response data stored in the display buffer 75 on the display 4, updates the previous simulated authentication number data in the authentication number buffer 72 to the current simulated authentication number data, and clears the calculation buffer 74. At the same time, the simulated authentication flag F is reset and the operation ends.

[Effects of the Invention] As described above, according to the present invention, the read card data and the input amount data are cumulatively stored in the storage means each time the simulated authentication processing is performed, and the storage means can store the data. When the card authentication process is performed after it is detected that the area is exhausted, the authentication process is performed without performing the simulated authentication process by the simulated authentication processing means even if the purchase amount data is equal to or less than the predetermined limit amount. The data stored in the storage means is transmitted to the host device without disconnecting the communication, and the simulated authentication is performed in addition to the normal card authentication process data with the host device. The processed data can be quickly grasped, and the credit limit can be accurately checked by the host device. As a result, it is possible to prevent the cardholder from repeatedly exceeding the credit limit and shopping without knowing the small card transaction that is the target of the simulated authentication process, and improve customer service. Moreover, since the simulated authentication data can be transmitted in a lump, it is possible to improve the service without increasing the burden of communication costs on the shop side.

[Brief description of drawings]

1 and 2 are flow charts for explaining the operation of the embodiment of the present invention. FIG. 3 is an external perspective view of a CAT according to an embodiment of the present invention. FIG. 4 is a diagram showing a key arrangement of the keyboard shown in FIG. FIG. 5 is a schematic block diagram showing the electrical configuration of the CAT shown in FIG. FIG. 6 is a diagram for explaining the memory configuration of the RAM shown in FIG. In the figure, 1 is CAT, 2 is a card reader, 3 is a keyboard, 4 is a display, 5 is a modem, 6 is ROM, 7 is RAM, and 8
Is a CPU, 32 is a numeric key, 33 is a dial key, 71 is a limit amount buffer, 72 is an authentication number buffer, 73 is a message buffer, 74 is a calculation buffer, 75 is a display buffer, 76 is a simulated authentication processing flag storage area, 77 Indicates a simulated authentication buffer.

Claims (1)

[Claims] 1. A reading unit for reading card data, an input unit for inputting purchase amount data of a customer, and a determination for determining whether or not the purchase amount data input from the input unit exceeds a predetermined limit amount data. The card data read by the reading unit and the input as authentication processing when the determination unit determines that the purchase amount data input from the input unit exceeds a predetermined limit amount data. Authentication processing means for transmitting the amount data input from the means to the host device to make an authentication request, and displaying the authentication result by the host device; a limit to which the purchase amount data input from the input means by the determining means is predetermined. If it is determined that the amount of data is less than or equal to the forehead data, the host device is not required to perform authentication in advance, and In a card authentication terminal device including a simulated authentication processing unit that displays a defined simulated authentication result and makes it appear that the authentication process is being performed, at least the reading unit is performed every time the simulated authentication process is performed by the simulated authentication processing unit. Storage means for accumulatively storing card data read by the user and money amount data input from the input means, detection means for detecting that the storage means has no storable area, and the purchase means by the determination means. When it is determined that the amount data is less than or equal to the predetermined limit amount data, the detection unit is caused to perform detection, and the detection unit detects that there is no more storable area in the storage unit. In response to the request, without performing the simulated authentication processing by the simulated authentication processing means, And performs an authentication process by testimony processing unit, card authentication terminal device comprising control means for controlling to transmit the data stored in said storage means without said host device to disconnect the communication.