JPS62208163A - Transaction processor - Google Patents

Abstract

PURPOSE:To rapidly execute transaction processing in case of transaction based upon a house card by discriminating whether the card is a credit card issued from a card campany or a house card issued from a shop independently. CONSTITUTION:When data are transmitted from a class controller 1, a store controller 5 discriminates whether the data are transmitted from a credit authorization terminal (CAT) 2 or an electronic cash register (ECR) 3. A house card transaction telegram is transmitted from the CAT 2 and sales data are transmitted from the ECR 3. Whe the transmitted data are the sales data from the ECR 3, totalization is executed. When the data are transmitted from the CRT 2, a house card member's number table included in the telegram is retrieved and collated with the member's number. When the member's number concerned is detected, transaction processing is executed based on the telegram.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a transaction processing device, and in particular, it is installed in department stores, supermarkets, etc., and is used to process credit cards issued by credit card companies and credit cards issued independently by department stores, supermarkets, etc. The present invention relates to a transaction processing device that can process transactions using any house card.

[Prior Art] As is well known, with the spread of credit cards, a card authentication terminal device called a CAT (Credit Authorization Terminal) has been put into practical use in order to automate credit card authentication. Recently, card authentication terminal group management devices (hereinafter referred to as
A cluster controller (referred to as a cluster controller) is provided.

Here, the center device performs credit card authentication, and is provided at a credit card company, for example. The store controller is responsible for aggregating sales data.
For example, it is installed inside a department store. The card authentication data input from the CAT is transmitted online to the card company's center device via the cluster controller, and processed in real time by the card company's center device. If the transaction is authenticated by the card company's central device, the cluster controller transmits the transaction data online to the store controller.

[Problems to be Solved by the Invention] By the way, department stores and the like independently issue cards called house cards that allow customers to make purchases at the department store even if they do not have cash in their possession. Conventional CATs were unable to process such transactions using house cards, so for transactions using house cards, transaction documents were created by asking customers to fill in necessary information. For this reason, there was a problem in that it took a long time to process the transaction and the customer service was not sufficiently provided.

Therefore, this invention was made to solve the above-mentioned problems.In addition to processing transactions using a credit card issued by a credit card company, the present invention also processes transactions using a house card issued by the store itself. The first objective is to provide a transaction processing device that performs the following.

[Means for Solving the Problems] The transaction processing device of the present invention includes a reading means for reading card data from a credit card, a reading means for reading card data from a house card, and inputting transaction data of a transaction using a credit card. an input means for inputting transaction data of a transaction using a house card; and a determining means for determining whether the transaction is a credit card transaction or a house card transaction based on the card data read by the reading means; When the determination means determines that the transaction is a credit card transaction, the credit transaction message edited based on the card data read by the reading means and the transaction data input from the manual means is sent to the card company's central device. and in response to the identification means determining that the transaction is a house card transaction, the house card transaction message edited based on the card data read by the reading means and the transaction data input from the input means. and transmission control means for controlling the transmission to the sales management means.

[Operation] In this invention, it is determined whether the transaction is a credit card issued by a credit card company or a house card issued by the store based on the card data, and it is determined that the transaction is a credit card transaction. If a credit card transaction occurs, the credit transaction message is transmitted to the card company's central device, and if it is determined that the transaction is a house card transaction, the house card transaction message is transmitted to the sales management means. , transactions can be quickly processed using a house card issued independently by the store.

[Embodiment] FIG. 3 is a diagram showing a transaction processing system including a transaction processing device according to an embodiment of the present invention. In FIG. 3, a cluster controller 1 is connected to a plurality of CATs 2, a plurality of ECRs (electronic cash registers) 3, a card company's center device 4, and a store controller 5. Here, the cluster controller 1 shown in FIG.
．． CAT2. The ECR 3 and store controller 5 are provided, for example, at a department store, and the center device 4 is provided, for example, at a credit card company. The cluster controller 1 is C
AT2. It mediates data transmission between the ECR 3, the card company's center device 4, and the store controller 5. The configuration and operation of the cluster controller 1 will be explained in detail later. CAT2 is a terminal device that can process both transactions using a credit card issued by a credit card company and transactions using a house card issued independently by the department store or the like.

Here, the house card may be one that is sold in advance and whose value decreases each time you purchase a product in a department store or eat or drink at a cafeteria. Similarly, payment may be made after shopping or the like. CAT2 is provided with a card reader and a keyboard. The card reader reads card data such as the card company code and credit card membership number from the credit card, and also reads card data such as the department store code and the house card membership number from the house card. The keyboard is used to input transaction data such as amount data for credit card transactions and house card transaction amount data. When a credit card is used, CAT2 edits a credit transaction message based on the card data read from the credit card and the transaction data entered from the keyboard.
If a house card is used, the house card transaction message is edited based on the card data read from the house card and the transaction data entered from the keyboard, and the message is transmitted to the cluster controller 1. to be transmitted.

ECR3 is a terminal device for processing product sales. The card company's center device 4 determines whether or not a transaction is possible based on the credit transaction message transmitted from one of the CATs 2 via the cluster controller 1, and transmits the result of whether the transaction is possible or not to the corresponding CAT 2. It is. Note that, for example, if the department store is a member store of multiple card companies, multiple types of credit cards are used for CAT2. In this case, a common center for each card company is provided, and the cluster controller 1 shown in FIG. 3 is connected to the center device 4 of each card company via this common center. The credit transaction data is then transmitted from the joint center to the center device 4 of the corresponding card company and processed.

The store controller 5 is an example of a sales management means for managing sales at the department store, and it aggregates the transaction data transmitted from the ECR 3 and processes the transaction data of house card transactions transmitted from the CAT 2. .

FIG. 4 is a schematic block diagram showing the electrical configuration of the cluster controller 1 shown in FIG. 3. In Figure 4, C
A ROMII, a RAM 12, a store controller side transmission section 13, an upper side transmission section 14, and a lower side transmission section 15 are connected to PU10.

The ROM II stores an operating program for <CPUl0 based on a flowchart as shown in FIG. 1, which will be explained later.

The RAM 12 includes a storage area as shown in FIG. 5 later.

The store controller side transmission unit 13 mediates data transmission between the CPU 10 and the store controller 5. The upper side transmission section 14 mediates data transmission between the CPU I O and the card company's center device 4.

The lower side transmission section 15 includes CPUI O, CAT2 and EC.
It mediates data transmission with R3.

FIG. 5 is an illustrative diagram showing a card company code registration table stored in the RAM 12 shown in FIG. In FIG. 5, a card company code registration table 121 stores a code for identifying each card company with which the department store is affiliated.

FIGS. 6(a) and 6(b) are illustrative views showing the storage areas of the memory provided in the store controller 5 shown in FIG. 3, and in particular, FIG. 6(a) shows a house card member number table; FIG. 6(b) shows the How Card member table. In FIG. 6(a), the house card member number table 51 stores the member number and member table address for each member of the house card. here,
The member table address is data indicating the storage start address of data regarding the member in the house card member table 52 shown in FIG. 6(b).

In FIG. 6(b), the house card member table 52
For each house card member, the remaining amount of money that can be used for the house card, transaction data indicating the number of transactions made so far, the amount used for each transaction, etc. are stored.

Figure 7 shows CAT2 when a credit card is used.
FIG. 2 is a diagram showing a credit card transaction message transmitted from the computer to the card company's center 4 device via the cluster controller 1. Credit card transaction message 60 shown in Figure 7
is constructed based on the card data read from the credit card and the transaction data entered.

FIG. 8 is a diagram showing a house card transaction message transmitted from CAT 2 to store controller 5 via cluster controller 1 when a house card is used.

A house card transaction message 70 shown in FIG. 8 is constructed based on card data read from the house card and input transaction data.

FIG. 9 is a diagram showing a transaction processing message transmitted from the store controller 5 to the corresponding CAT 2 via the cluster controller 1 after the transaction processing. The transaction processing message 80 shown in FIG. 9 includes, in addition to the transaction processing result, a message to the customer such as what month and day the bargain sale starts.

The credit card transaction message shown in Figure 7 has a fixed format determined by the system and cannot be changed, but the house card transaction message shown in Figures 8 and 9 can be in any format for each store. can be determined.

FIG. 1 is a flow diagram for explaining the operation of the cluster controller shown in FIG. 3. Next, Figures 1 to 9
The operation of the cluster controller will be explained in detail with reference to the figures.

The CPU 10 of the cluster controller 1 waits until data is transmitted from CAT2 or ECR3, and when data is transmitted from any terminal device, the CPU 10 of the cluster controller 1 waits until data is transmitted from CAT2 or ECR3. ,
Determine whether the data is from CAT2. If the data is from ECR3, the data will be processed accordingly.
If the data is from CAT2, it is determined whether it is the credit card transaction message 60 or the house card transaction message 70. Here, the CPU I O registers the card company code registration table 121 shown in FIG. 5 based on the card company code or company code included in each transaction message.
is searched, and if a matching company code is found, it is determined that the message is a credit card transaction message. If it is determined that the message is a credit card transaction message 60, the transmitted credit card transaction message 60 is edited and transmitted to the card company's center device 4.

Next, it waits until the card company center 4 sends a message indicating the result of the transaction, and in response to the message indicating the result of the transaction being sent, further editing is performed and the result of the transaction is sent to the corresponding CAT2. Send a message indicating.

On the other hand, if the message transmitted from CAT2 is the house card transaction message 70 shown in FIG.
Send to. Next, the store controller 5 waits until the transaction processing message 80 shown in FIG. 9 is transmitted, and when the transaction processing message 80 is transmitted, the corresponding CAT2
The transaction processing message 80 is edited and sent.

FIG. 2 is a flow diagram for explaining the operation of the store controller 5 shown in FIG. Next, Figures 1 to 9
The operation of the store controller 5 will be explained in detail with reference to the drawings.

The store controller 5 waits until data is transmitted from the cluster controller 1, and when there is data transmission, it determines whether the data is transmitted from the CAT2 or the ECR. A house card transaction message is transmitted from CAT2, and sales data is transmitted from ECR3. Then, if it is sales data transmitted from the ECR 3, the data is aggregated.

On the other hand, when transmitted from CAT2, the house card member number table 51 shown in FIG. 6(a) is searched based on the house card member number data included in the house card transaction message 70, and Verify with the number. Then, if the applicable member number is not found, a message indicating a membership number error is edited and sent to the applicable CAT2, but if the applicable member number is found, the transaction is made based on the transmitted house card transaction message 70. Process. In this transaction process, the balance and number of transactions of the corresponding member in the How Card member table 52 shown in FIG. 6(b) are updated, and the transaction amount and product code are newly registered.

Subsequently, the transaction processing message shown in FIG. 9 is transmitted from the store controller 5 to the corresponding CAT2.

Note that in response to receiving the transaction processing message 80 from the CAT2, a message to the customer included in the transaction processing message 80 may be printed on a receipt or the like. In this way, by looking at the receipt, the customer can receive the message, for example, information such as when the next bargain sale will be held.

Additionally, special discounts may be given to customers using house cards.

[Effects of the Invention] As described above, according to the present invention, it is possible to determine, based on card data, whether the transaction is a credit card issued by a credit card company or a house card issued by the store itself. If it is determined that the transaction is a credit card transaction, the credit transaction message is transmitted to the card company's center device, and in response to the determination that the transaction is a house card transaction, the house card transaction message is transmitted. Since the information is transmitted to the second management means, transactions using the house card issued independently by the store can be quickly processed.

[Brief explanation of drawings]

FIG. 1 is a flow diagram for explaining the operation of the cluster controller that constitutes the transaction processing device of the present invention. FIG. 2 is a flow diagram for explaining the operation of the store controller used to implement the present invention. FIG. 3 is a diagram showing the configuration of a transaction processing system including a transaction processing device according to an embodiment of the present invention. FIG. 4 is a schematic block diagram showing the electrical configuration of the cluster controller shown in FIG. 3. FIG. 5 is an illustrative diagram showing the storage area of the RAM of the cluster controller shown in FIG. 4. 6(a) and 6(b) are illustrative views showing storage areas of the memory of the store controller shown in FIG. 3. FIG. FIG. 7 is an illustrative diagram showing a credit card transaction message. FIG. 8 is an illustrative diagram showing a house card transaction message. FIG. 3 is an illustrative diagram showing a transaction processing message. In the figure, 1 is a cluster controller, 2 is a CAT,
3 is ECR, 4 is the card company's center device, 5 is the store controller, 10 is CPU, 11 is ROM, 12 is R
AM, 13 is a store controller side transmission section, 14 is an upper side transmission section, 15 is a lower side transmission section, 51 is a house card member number table, 52 is a house card member table, 1
21 shows a card company code registration table. (2 other people) Marriage 2 drawings) Acontro 7A movement 10-Drawing j drawing, 1fJJ1. Resge A's condolence 4 figure 7 Last 1 controller block 7 figure 5 figure 6 figure

Claims (1)

[Scope of Claims] Connected to both a card company's center device that processes credit transactions using credit cards issued by the card company and a sales management means that manages sales at stores, A transaction processing device capable of processing transactions using any of the issued house cards, comprising: a reading means for reading card data from the credit card; and a reading means for reading card data from the house card; Input means for inputting data and inputting transaction data of the transaction using the house card; Based on the card data read by the reading means, it is determined whether the transaction is a credit card transaction or a house card transaction. a discriminating means for discriminating, and in response to the discriminating means discriminating that the transaction is a credit card transaction, editing based on the card data read by the reading means and the transaction data input from the input means. transmits the credit transaction message to the center device of the card company, and in response to the discrimination means determining that the transaction is a house card transaction, the card data read by the reading means and input from the input means; A transaction processing device comprising transmission control means for transmitting a house card transaction message edited based on the transaction data to the sales management means.