JPH0782507B2 - 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, when credit transaction processing is conventionally 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 amount is large, the authentication process is actually performed, and if the purchase amount 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.

[Problems to be Solved by the Invention] However, when the simulated authentication function as described above is performed, if the processed data such as the card data and the amount data in the simulated authentication are not transmitted to the host device at all, the simulated The voucher issued at the time of the authentication process must be regularly sent to the credit company and input to the host device. In such a method, since the transaction data input to the host device is delayed, the accumulated amount of small amount data cannot be grasped, and when the host device performs card authentication, an accurate credit limit check cannot be performed. There was a point.

Therefore, a main object of the present invention is to store transaction data in the case of simulated authentication, and transmit the simulated authentication data stored when the authentication processing is performed by the host device to the host device in a lump. Accordingly, it is to provide a card authentication terminal device that solves the above problems.

[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. When the data exceeds the data, the authentication processing means performs the authentication processing by the host device, and when the purchase amount data input from the input means is equal to or less than the predetermined limit data, the simulated authentication that performs the simulated authentication processing without the host device. In the card authentication terminal device including the processing means, each time the simulated authentication processing is performed by the simulated authentication processing means,
Storage means for accumulating at least the card data read by the simulated reading means and the amount data inputted from the input means, and for detecting whether or not the card data and the amount data are stored in the storage means. When the authentication processing is performed by the detection means and the authentication processing means, it is detected whether or not the card data and the amount of money data are stored in the storage means, and the authentication is performed according to the fact that the storage of the data is detected. After the processing, the control unit controls the data stored in the storage unit to be transmitted to the host device without disconnecting the communication.

[Operation] The card authentication terminal device according to the present invention cumulatively stores the card data and the monetary amount data in the simulated authentication processing every time the simulated authentication processing is performed, and when the authentication processing means performs the authentication processing, the card data and the money data are stored in the storage means. After detecting whether or not the amount data is stored, and after detecting that the data is stored, after the authentication process,
The data stored in the storage means is transmitted to the host device without disconnecting the communication.

[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. The keyboard 3 will be described later with reference to FIG.
Keys and the like for inputting the amount data are provided. 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
This is actual authentication response data by the host device, and the others are simulated authentication response data not depending on the host device. The actual authentication response data by the host device 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 simulated authentication processing operation.

The actual authentication process by the host device is executed when the purchase amount of the customer exceeds a predetermined limit amount, and the simulated authentication process is 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 a dial key 33 for calling a 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 authentication information 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.
Each time the simulated authentication process is performed, the simulated authentication buffer 77 stores card data, purchase amount data, and simulated authentication number data obtained by the simulated authentication.

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 the customer wants to pay by credit card at the 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,
Give to CPU8. The CPU 8 stores the read card data in a predetermined area (not shown) of the RAM 7. Then step
In 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 71, 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 step S7
In this case, a state in which a direct current circuit is formed with the exchange and transmission is possible, that is, the same state as the normal off-hook state of a telephone set. On the other hand, if the simulated authentication processing flag F is "0",
Since the CPU 8 does not perform the operation of step S7, the same state as the on-hook state continues. Next, in step S8, whether in the on-hook state or the off-hook state, the CPU 8 dials, and then,
In S9, the card data and the purchase amount data stored in the RAM are transmitted to the host device via the modem 5. It goes without saying that nothing is transmitted in the on-hook state.

Succeedingly, in a step S10, the CPU 8 determines whether or not the simulated authentication processing flag F is set to "1". When the simulated authentication processing flag F is not set to "1", that is, when the authentication processing by the host device is performed, in step S11, the response, that is, the authentication result, is received from the host device, and then step S12. At
The response data is stored in the display buffer 75. Then, CPU8
Determines in step S13 whether or not data is stored in the simulated authentication buffer 77. Then, if the data is stored in the simulated authentication buffer 77, the data is read from the simulated authentication buffer 77 and transmitted to the host device in step S14. Then, in response to the transmission of all the data, the simulated authentication buffer 77 is cleared in step S15, and subsequently, the telephone line is disconnected in step S16. If it is determined in step S13 that no data is stored in the simulated authentication buffer 77, steps S14 and S
Skip 15 and proceed to step S16. Then, in step S17, 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 S10 that the simulated authentication processing flag F is set to "1", the CPU 8 issues simulated authentication response data in step S18. In this simulated authentication response data issuing process, as shown in FIG. 2, first, in step S181, the CPU 8 generates a random number and stores it in the arithmetic buffer 74. Subsequently, in step S182, the CPU 8 reads the authentication number data stored in the authentication number buffer 72 at the time of the previous simulated authentication processing and adds it to 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 S183, the CPU 8 creates simulated authentication response data based on the simulated authentication message data stored in the message buffer 73 and the simulated authentication number data of this time stored in the calculation buffer 74.

Subsequently, in step S19 of FIG. 1, the CPU 8 stores the simulated authentication response data in the display buffer 75, and subsequently in step S20, 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 S21, C
The PU 8 corrects the processing time with respect to the actual authentication processing by the host device so that there is no difference from the actual authentication processing in terms of processing time. Then, in step S17, 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 data in the simulated authentication process is stored every time the simulated authentication process is performed, and when the authentication process is performed by the host device later, the process is performed after the process. Since the data of the simulated authentication processing stored in the storage means is collectively transmitted to the host device without disconnecting the communication, the normal card authentication processing data and the simulated authentication processing data are promptly sent to the host device. The credit limit can be accurately checked. As a result, it is possible to prevent the cardholder from repeatedly carrying out a small amount of card transaction that is the target of the simulated authentication process and shopping far beyond the credit limit without knowing it, thereby improving customer service. Further, since the process data of the simulated authentication is collectively transmitted without disconnecting the line after the normal card authentication process, it is possible to improve the service without imposing a communication fee on the store 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 when the purchase amount data input from the input unit exceeds a predetermined limit amount data, the authentication process is performed as described above. An authentication processing unit that transmits the card data read by the reading unit and the purchase amount data input from the input unit to the host device to make an authentication request, and displays the authentication result from the host device; and the input unit. When the input purchase amount data is less than or equal to a predetermined limit amount data, a simulated authentication processing means that displays a predetermined simulated authentication result without making an authentication request to the host device and makes it appear as if the authentication process is being performed. In the card authentication terminal device equipped with, a simulated authentication process is performed by the simulated authentication processing means. Storage means for accumulating at least the card data read by the reading means and the amount data inputted from the input means; and detecting whether or not the card data and the amount data are stored in the storage means. When the authentication processing is performed by the detection means and the authentication processing means, it is detected by the detection means whether or not the card data and the amount data are stored in the storage means, and it is detected that the data is stored. In response to the request, the card authentication including control means for controlling the data stored in the storage means to be transmitted to the host device without disconnecting communication after the authentication processing by the authentication processing means. Terminal device.