JP3589707B2 - Card system - Google Patents

Description

[0001]
[Industrial applications]
The present invention relates to a card system that can receive two services, point and credit, with one card.
[0002]
[Prior art]
In shopping centers and the like, points corresponding to the transaction amount are given as a customer service for each transaction, and a point service for providing a gift certificate or the like to a customer who accumulates these points to a predetermined number of points, a shopping center, etc. It offers a house credit service that allows credit transactions only. Customers can receive these services simply by using a pre-issued card at the time of a transaction.
[0003]
Conventionally, a shopping center that provides these two services at the same time has issued a point card and a house credit card separately. The reason for this is that if you can receive both services with one card, you need to perform customer screening to enable credit service, and you will receive both services until the credit screening is completed This is because it is not possible to issue a card that allows the customer to do so, and if this is done, the point service cannot be provided to the customer until the examination is completed, causing a problem of poor customer service. Therefore, a point card that does not require examination is issued immediately, and a credit card is issued separately after the examination is completed (when the examination is OK). By doing so, the point service is provided to the customer even during the credit examination period, thereby improving the customer service.
[0004]
[Problems to be solved by the invention]
However, there is a problem that the customer has to manage two cards and the card management is troublesome. For a store, when processing a transaction that provides both services, the transaction is first authenticated with a credit card, and if the authentication result indicates that the transaction is possible, the point is updated with a point card. Will be done. That is, there is a problem that the transaction processing is troublesome because the transaction is processed using two cards. In addition, there is a problem that the time required for processing the transaction becomes longer and customer service is deteriorated.
[0005]
An object of the present invention is to provide a card system and a transaction processing method that can receive both credit and point services with one card and can easily process a transaction providing both services.
[0006]
It is another object of the present invention to provide a card system and a transaction processing method that can receive a credit service with a point card issued immediately after completion of credit examination.
[0009]
[Means for Solving the Problems]
Card system of the present invention as set forth in claim 1, a terminal device having a transaction processing means for processing transactions according to point service and credit services based on the card data and the entered transaction data read from the card,
Card system having connected to the terminal device, and a host device having a credit availability storage area for storing whether a point number storage area and credit used for storing value information given to preparative引毎as points, the And
When the host device receives the transaction message including the card data and the transaction data from the terminal device, a determination unit that determines whether the transaction message is a transaction message related to a credit transaction,
If the determination means determines that the message is a transaction message relating to a credit transaction, an authentication process is performed including whether or not the credit can be used based on the stored contents of the credit availability storage area, and the message including the authentication result is transmitted to the terminal device. And a credit processing means for updating the point number storage area based on a transaction message received from the terminal device when the authentication result indicates that credit transaction is possible,
Conversely, if the determination means determines that the transaction message is not a transaction message for a credit transaction, the card used for the transaction is a card that has never undergone a credit transaction, and the contents stored in the credit availability storage area. If the credit is available, and transmits a message to that effect to the terminal device, and point processing means for updating the point number storage area based on the transaction message received from the terminal device,
The transaction processing means of the terminal device issues a slip in which the content of the message from the host device is printed together with the content of the transaction.
[0010]
Further, in the card system according to the present invention described in claim 2, the card is provided with a card-side credit availability storage area for storing the availability of credit,
The terminal device includes card data updating means for updating the card-side credit availability storage area.
According to a third aspect of the present invention, in the card system of the present invention, when the input transaction data is transaction data relating to a credit transaction, the transaction processing means of the terminal device stores the credit-usable card storage area. If the credit is not used, it is determined that the transaction is not possible without transmitting the transaction message to the host device.
[0013]
[Action]
In the card system according to the first aspect of the present invention, it is determined whether or not a credit can be used during a credit transaction. If it is determined that the credit is usable, the point number is updated and the credit is used. If the transaction is not a credit transaction, the point number update is enabled. Therefore, both the point and credit services can be processed with one card, and the transaction providing both the point and credit services can be easily processed. In addition, a service with only points can be provided.
In this way, when a card is issued for which value information is given as the number of points for each transaction, the card is registered as being under credit screening at the same time, and the credit information is changed to be usable or unusable at the end of credit screening. Thus, a card for receiving the point service can be issued immediately.
In addition, in the case of a point-only service, if the card has never undergone a credit transaction and the credit is usable, that effect is printed on the slip, so the credit card is checked by the card owner. It is possible to promptly notify that the credit has been completed and the credit can be used, and it is not necessary to repeatedly notify the card holder that the credit examination has been completed and the credit can be used.
[0014]
Further, in the card system according to the second aspect of the present invention, since the credit availability is also stored in the card, the terminal device can determine the credit availability from the card data read from the card. it can.
[0015]
In the card system according to the third aspect of the present invention, when the transaction data input to the terminal device is transaction data relating to a credit transaction, the stored contents of the card-side credit availability storage area indicate that the credit is not used. In this case, it is determined that the transaction is not possible without transmitting the transaction message to the host device, and therefore the transaction can be efficiently processed without transmitting useless transaction data to the host device.
[0017]
【Example】
FIG. 1 is a diagram showing a configuration of a card system according to an embodiment of the present invention. The card system is provided at each store and is connected to a terminal device 1 (1-1 to 1-n) such as a CAT for reading data stored in the card and the like by a data transmission line. It comprises a network controller 2 and a host device 3 connected to the network controller 2 via a data transmission line. FIG. 2 is a diagram illustrating a configuration of the host device. The host device 3 performs data communication with the terminal device 1 via the CPU 11, the ROM 12, the RAM 13, the input unit 14 for performing input operations, the customer information management unit 15 for managing customer information, and the network controller 2. And a communication unit 16. FIG. 3 is a diagram illustrating a configuration of the terminal device. The terminal device 1 issues a CPU 21, a ROM 22, a RAM 23, an input unit 24 for performing an input operation, a card processing unit 25 for reading out data stored in a card, and a slip on which transaction contents are printed. The printer includes a printer 26, a display unit 27 that displays data input from the input unit 24, and a communication unit 28 that performs data communication with the host device 3 via the network controller 2.
[0018]
The customer information management unit 15 stores a member number storage area 31 for storing a member number, a name storage area 32 for storing the name of the customer, an address storage area 33 for storing the address of the customer, and a telephone number for the customer. A plurality of customer records 37 each having a telephone number storage area 34, a point number storage area 35 for storing the number of points given to the customer, and a credit availability storage area 36 for registering the availability of credit are registered. The member file 38 is stored (see FIG. 4). The card 40 has a member number storage area 41 for storing a member number, an expiration date storage area 42 for storing an expiration date of the card 40, and a point number storage area 43 for storing the number of points currently given. And a credit availability storage area 44 for storing the availability of credits (see FIG. 5).
[0019]
A card 40 is prepared in each store in advance. In the prepared card 40, the member number and the expiration date are stored in the membership number storage area 41 and the expiration date storage area 42. In the point number storage area 43, 0 is stored as the number of points, and in the credit availability storage area 44, data indicating that credit is unavailable is stored. Further, a customer record 37 in which a member number given to a card 40 prepared in this store is registered in the member file 38. That is, in the member file 38, the customer record 37 of the card 40 already issued to the customer and the member number given to the card 40 prepared in the store are registered. The customer record 37 in which the member number given to the card 40 not issued to the customer (prepared at the store) is registered, the name storage area 32, the address storage area 33, the telephone number storage area 34, etc. Data is not registered. In the point number storage area 35, 0 is registered as a point number, and in the credit availability storage area 36, data indicating that credit is unavailable is registered.
[0020]
Here, a method of issuing the card 40 prepared in each store will be described. A customer who wants to issue a card fills out a card application form at a store. At this time, the customer can apply for either one or both of the point service and the credit service. At the store, an application form filled with necessary items is received from the customer, and a card 40 prepared in advance at the store is issued. As described above, the card 40 prepared in the store is registered in the member file 38 (however, data such as the name and address of the customer is not registered). Therefore, the customer can receive the point service with the card 40.
[0021]
That is, the store can immediately issue a card for receiving the point service to the customer.
[0022]
If the customer also wants to provide a credit service, the customer inserts the card 40 into the terminal device 1 and performs a predetermined key operation (performs a credit function addition operation). 6 and 7 are flowcharts of this process. FIG. 6 shows a processing flow of the terminal device, and FIG. 7 shows a processing flow of the host device. The terminal device 1 accepts the inserted card 40 in the card processing unit 25 (n1) and accepts an input from the input unit 24 (n2). When the terminal device 1 determines in step n2 that the credit function addition operation has been performed (n3), the terminal device 1 transmits a message including the membership number and data indicating that the credit function addition operation has been performed to the host device 3 via the network controller 2. Transmit (n4). If it is determined in n3 that the operation is not a credit function addition operation, processing based on the input operation performed is performed (other processing is performed) (n9).
[0023]
When a message is transmitted from the terminal device 1 (n11), the host device 3 reads out the member number included in the message (n12). The host device 3 searches the member file 38 (n13), and acquires the customer record 37 corresponding to the member number read in n12 (n14). Then, the host device 3 determines whether this message is a message indicating that the credit function addition operation has been performed (n15). Here, if it is determined that the message is not a message indicating that the credit function addition operation has been performed, processing based on the transmitted message is performed (other processing is performed) (n18).
[0024]
If it is determined in step n15 that the message is a message indicating that the credit function addition operation has been performed, the credit availability storage area 36 of the customer record 37 acquired in step n14 is rewritten from the credit unavailable state during the examination (n16). Then, a message indicating that the credit function addition operation has been completed is transmitted from the communication unit 16 (n17).
[0025]
Upon receiving the message indicating that the credit function addition operation has been completed (n5), the terminal device 1 rewrites the data in the credit useability storage area 44 of the inserted card 40 from the credit uselessness during the examination (n6), The card 40 is ejected (n7). For example, it is assumed that data 0, 1, and 2 are stored in the credit availability storage areas 36 and 44. Each data is
0 indicates that credits cannot be used. 1 indicates that credits are being used.
In this case, the terminal device 1 rewrites the credit availability storage area 44 from 0 to 1, and the host device 3 rewrites the credit availability storage area 36 of the corresponding customer record 30 from 0 to 1. Then, the terminal device 1 displays on the display unit 27 that the credit function adding operation is completed (n8).
[0026]
By issuing the card 40 to the customer as described above, the customer can immediately issue a card that can receive the point service, and if the customer desires, apply for credit review at the same time. Can be. Note that the credit function addition processing can be performed in the same manner with the card 40 that can receive only the service of points already issued to the customer. That is, the customer may apply for the credit service after the card 40 that can receive only the point service is issued, without applying for the point and credit service at the same time.
[0027]
Thereafter, at the store, the application form filled in by the customer is sent to the credit company, and when the card 40 is issued, the customer operates the input unit 14 of the host device 3 to register the corresponding customer registered in the member file 38. The customer's name, address, telephone number, and the like are written in the record 37 (the same customer record as the member number given to the issued card).
[0028]
When the credit company completes the credit check, the input unit 14 of the host device 3 is operated based on the result of the check, and the contents of the credit availability storage area 36 of the corresponding customer record 37 registered in the member file 38 are stored. Is rewritten as usable or unusable during the examination. At this time, if the contents of the credit availability storage area 36 are rewritten to allow credits, both the point and credit services can be received with the already issued card 40.
[0029]
Here, the processing of the transaction using the card 40 issued as described above will be described. 8 and 9 are flowcharts of the transaction processing. FIG. 8 shows a process of the terminal device, and FIG. 9 shows a process of the host device. The operator inserts the card 40 into the terminal device 1 and inputs transaction data such as the transaction amount by operating the input unit 24. The terminal device 1 accepts the card 40 (n21) and accepts data input from the input unit 24 (n22). The terminal device 1 determines whether or not the data input in n22 is transaction data (n23), and if it is not transaction data, performs processing based on the input data (performs other processing) (n34). ). If it is determined in step n23 that the input data is transaction data, a message including the membership number of the card 40 accepted in step n21 and the transaction data is transmitted from the communication unit 27 (n24).
[0030]
When the communication unit 16 receives the message transmitted by the terminal device 1 via the network controller 2 (n41), the host device 3 reads the member number included in the message (n42). The host device 3 searches the member file 38 (n43), and acquires the customer record 37 of the member number read in n42 (n44). Then, the host device 3 determines whether or not the transmitted message is a transaction message (n45). If it is determined in n45 that the message is not a transaction message, processing based on the transmitted message is performed (other processing is performed) (n52).
[0031]
If it is determined in step n45 that the message is a transaction message, it is determined whether the transaction is a credit transaction (n46). If the transaction is not a credit transaction, the following process from n50 is performed. If it is determined in step n46 that the transaction is a credit transaction, it is determined whether the credit is available based on the data stored in the credit availability storage area 36 of the customer record 37 acquired in n44 (n47). If it is determined in n47 that the credit cannot be used, a message indicating that the transaction cannot be performed is transmitted to the terminal device 1 (n51).
If it is determined in n47 that the credit can be used, the credit is authenticated (n48). The n48 credit authentication process includes checking an invalid card, checking a credit balance, and the like. When the result of the authentication processing in n48 indicates that the transaction is possible (n49), the host device 3 performs point update processing (n50). The point updating process calculates the number of points according to the transaction amount included in the message received in n41, adds the calculated number of points to the number of points stored in the point number storage area 35, and calculates the number of points. The number of points in the storage area 35 is updated to the added number of points. Then, the host device 3 transmits a message including a transaction permission to the terminal device 1 (n51).
[0032]
In n51, a message including the following message is transmitted to the terminal device 1 based on the above-described processing.
{Circle around (1)} When it is determined that the credit cannot be used because the credit is being reviewed in n47, a message indicating that the credit is currently being reviewed and the credit cannot be used is included.
(2) If it is determined in step n47 that credit cannot be used because the card is not under examination, a message indicating that credit cannot be used with the used card is included.
{Circle around (3)} When the point updating process is performed in n50, the updated number of points and a message such as the content of the service that can be received with the updated number of points are included.
{Circle around (4)} When the credit is usable and no credit transaction has been performed, a message indicating that the credit examination has been completed and the credit is usable is included.
(5) If the transaction is rejected other than the above (1) and (2), a message indicating the reason for rejecting the transaction is included.
[0033]
When the terminal device 1 receives the message transmitted by the host device 3 at n51 through the communication unit 27 via the network controller 2 (n25), the terminal device 1 determines whether the transaction is possible or not from the message (n26). If a transaction is possible, the number of points stored in the point number storage area 43 of the card 40 is updated (n27). Further, it is determined whether or not a message indicating that the credit has been examined and the credit is available is included in the message (n28). If the message is included, the data in the credit availability storage area 44 is determined. Is changed to credit available (n29). Then, the terminal device 1 ejects the card 40 (n30), and issues a slip on which the details of the transaction are printed from the printer 26 (n31). Note that a message included in the message received from the host device in n51 is also printed on the slip.
[0034]
On the other hand, if it is determined that the transaction is not possible in n26, the card 40 is ejected (n32), the reason why the transaction is disabled is displayed on the display unit 27 (n33), and the operator is notified.
[0035]
As described above, the card 40 that can receive the point service can be immediately issued to the customer. Further, after the application for credit examination is completed, when the examination is completed (when it is verified that the credit is usable in the examination), the same card 40 can be used for the credit service. In other words, after the examination is completed, both the point and credit services can be received with one card. Therefore, the customer only needs to manage one card, and the trouble of card management can be reduced. Further, the store can easily process the transaction providing both services.
[0036]
In addition, if the credit is approved in the screening, a message indicating that the credit has been used is displayed on the voucher of the transaction in which this card was used until a credit transaction is performed once with this card. Is printed and issued. Therefore, it is possible to inform the customer that the credit examination has been completed and the credit has become usable.
[0037]
In the case of a credit transaction, the terminal device 1 reads out the data in the credit availability storage area 44 of the card 40 and transmits the transaction data to the host device only when the credit is available and the credit is being examined, and If the transaction is not possible, the terminal device may determine that the transaction is not possible. By doing so, unnecessary transaction data is not transmitted to the host device 3, and the transaction can be processed efficiently.
[0038]
In the above embodiment, the card 40 is provided with the point number storage area 43 and the credit availability storage area 44, and the information stored in these areas is rewritten as necessary by the terminal device 1. The number of points and the availability of credits may be managed only by the host device 3 without providing the storage area. In this case, the terminal device 1 does not need to have a function of writing data to the card 40, and the card processing unit 25 can use the hand scanner type terminal device 1.
[0039]
Furthermore, the present invention can be applied to a card system in which the network controller 2 is connected to a shared online credit online system such as CAFIS via a public line network.
[0040]
【The invention's effect】
As described above, according to the present invention, it is determined whether or not a credit can be used during a credit transaction, and if the credit is usable, the point number is updated and the credit is used. If the transaction is not a credit transaction, the point number update is enabled.
[0041]
Therefore, both a point and a credit service can be provided by one card, and a point only service can also be provided. Therefore, the customer only needs to manage one card, and the labor required for card management can be reduced. Also, the store can easily process transactions that provide both credit and point services.
[0042]
Also, by issuing a card in which value information is given as the number of points for each transaction, simultaneously registering the card as being under credit examination, and changing the registration information to allow or disallow credit at the end of credit examination. In addition, a card for receiving the point service can be issued immediately. In addition, in the case of a point-only service, if the card has never undergone credit transaction and the credit can be used, that fact is printed on the slip, so the credit card holder can receive the credit. It is possible to promptly notify that the credit is completed and the credit is usable, and it is not necessary to repeatedly notify the card holder that the credit is completed and the credit is usable.
[0043]
In addition, the stored thereon availability of credit on the card, it is possible to determine whether the credit transaction in the terminal equipment, not performed sends useless transaction data to the host device, efficient trading it can be processed to.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a card system according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a configuration of a host device of the embodiment.
FIG. 3 is a diagram illustrating a configuration of a terminal device of the embodiment.
FIG. 4 is a diagram showing a configuration of a member file according to the embodiment.
FIG. 5 is a diagram showing a configuration of a card of the embodiment.
FIG. 6 is a diagram illustrating a flow of processing of a terminal device that performs a credit function addition operation.
FIG. 7 is a diagram showing a flow of processing of a host device that performs a credit function addition operation.
FIG. 8 is a diagram showing a processing flow of the terminal device at the time of transaction processing.
FIG. 9 is a diagram showing a processing flow of the host device at the time of transaction processing.
[Explanation of symbols]
1 (1-1 to 1-n)-terminal device 3-host device 15-customer information management unit 35, 43-point number storage area 36, 44-credit availability storage area 40-card

Claims (3)

A terminal device comprising transaction processing means for processing transactions by a point service and a credit service based on card data read from a card and input transaction data,
A host device connected to the terminal device and having a point number storage area for storing value information given for each transaction as a point number and a credit availability storage area for storing the availability of credits. hand,
When the host device receives the transaction message including the card data and the transaction data from the terminal device, a determination unit that determines whether the transaction message is a transaction message related to a credit transaction,
If the determination means determines that the message is a transaction message relating to a credit transaction, an authentication process is performed including whether or not the credit can be used based on the stored contents of the credit availability storage area, and the message including the authentication result is transmitted to the terminal device. And a credit processing means for updating the point number storage area based on a transaction message received from the terminal device when the authentication result indicates that credit transaction is possible,
Conversely, if the determination means determines that the transaction message is not a transaction message for a credit transaction, the card used for the transaction is a card that has never undergone a credit transaction, and the contents stored in the credit availability storage area. If the credit is available, and transmits a message to that effect to the terminal device, and point processing means for updating the point number storage area based on the transaction message received from the terminal device,
A card system in which the transaction processing means of the terminal device issues a slip in which the contents of a message from the host device are printed together with the contents of the transaction. The above-mentioned card is provided with a card-side credit availability storage area for storing the availability of credit,
2. The card system according to claim 1, wherein the terminal device includes card data updating means for updating the card-side credit availability storage area. The transaction processing means of the terminal device, if the input transaction data is transaction data relating to a credit transaction, if the storage content of the card-side credit availability storage area is not a credit, the transaction message is transmitted to the host device. The card system according to claim 2, wherein it is determined that the transaction is not possible without transmitting the card.

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