JPS63151164A - Multifunctional telephone - Google Patents

Abstract

PURPOSE:To reduce the introduction cost and the operation cost by reading recorded information on a credit transaction card in accordance with the classification and the recording code format of a recording medium received from a credit transaction agency and transmitting this information to the credit transaction agency through a communication means. CONSTITUTION:When the telephone number of the credit transaction agency as a desired destination is inputted with a light pen 4, a communication circuit 12 calls this agency through a data processor 9 to cause the agency to transmit information of the classification and the recording code format of the recording medium and transfers reception information to a reader 2. The reader 2 starts a reading part corresponding to the classification of the recording medium to read recorded information on a credit transaction card 20 in accordance with the received recording code format. The data processor 9 displays the picture for input of information of items such as an article name and the amount of money on a display device 3 together with read information, and information of the article name, the amount of money, etc., is inputted by the operation of the light pen 4. Input information is temporarily stored in a RAM 14 and is transmitted to the credit transaction agency of the destination together with information read from the card after the end of in put operation.

Description

[Detailed Description of the Invention] (Industrial Application Field) The present invention is for reading recorded information of credit card issued by banks, credit transaction sales companies, etc. and performing necessary processing related to credit transactions. The present invention relates to a multi-function telephone that is capable of

(Prior Art) Conventionally, systems have been widely used in which payments for purchasing products are settled using credit transaction cards issued by credit transaction institutions such as banks and credit transaction sales companies.

The credit transaction cards used in this type of system are made of resin with a magnetic film coated on a part of the card, and the magnetic film contains the identification code of the individual and the credit transaction institution, the credit card number, and the bank account number. A type in which a personal identification number etc. is recorded, and a memory element and arithmetic element are enclosed in place of the above-mentioned magnetic film,
There are two types of cards: those in which the above-mentioned identification code is recorded in a memory element, and those in which a bar code is recorded on a part of the card.

Such a credit transaction card can be used to settle the purchase price of a product at a department store or store, etc.
After the recorded information is read by a reading device corresponding to the type of recording medium, it is sent to the bank or credit transaction institution via an online line along with information such as the purchased product name and price, and the purchase is made on the predetermined settlement date. The amount will be deducted from the person's savings account.

(Problems to be Solved by the Invention) However, credit transaction cards issued by banks or credit transaction sales companies do not have a unified recording medium in one of the three formats described above. Furthermore, the code format of the recorded information also differs depending on the bank.

As a result, in department stores, shops, etc., separate reading devices must be installed for each bank or credit transaction sales company, and an online line must be installed for each reading device, resulting in extremely high installation costs. There is.

Furthermore, since the usage fee for the online line must be paid along with the usage fee for the reading device, there is a problem in that the operating cost also increases.

The present invention was made to solve these problems, and its purpose is to enable credit transactions using credit transaction cards with different recording media and recording code formats to be carried out with low introduction and operation costs. Our goal is to provide multi-functional telephones that can.

(Means for Solving the Problems) The present invention provides a reading means for reading recorded information of multiple types of credit transaction cards with different recording media, and a credit transaction institution that transmits information regarding credit transactions over a telephone line. a communication means for sending and receiving information through the communication means; a display means for displaying information related to margin transactions and items of information to be input; and a first input means for selecting the displayed items and inputting information to be included in the items. a second input means for inputting information on the type of recording medium; a storage means storing names and telephone numbers of a plurality of credit transaction institutions corresponding to the type of recording medium; When inputting information regarding the type of recording medium by the input means, the names and telephone numbers of a plurality of credit transaction institutions stored in the storage means are read out and displayed on the display means, so that transactions can be made with any credit transaction institution. The first
a first processing means that allows selection by the input means; and a telephone number of the selected credit transaction institution or a telephone number of the credit transaction institution directly inputted by the first input means is transferred to the communication means and the corresponding one is selected. a second processing means for calling a credit transaction institution and transmitting information between the type of recording medium and the recording code format of the information at the credit transaction institution; The system is configured to read the recorded information of the credit transaction card according to the type of recording medium and recording code format received from the institution, and to transmit the read information to the corresponding credit transaction institution via the communication means.

(Function) When inputting whether the recording medium uses a magnetic film, a memory element, a bar code, etc. using the second input means,
The name and telephone number of the credit transaction institution corresponding to the recording medium are displayed on the display means. Therefore, when the user selects which credit transaction institution to transact with using the first input means, the selected credit transaction institution is automatically called over the telephone line, and the selected credit transaction institution is used. Information on the type of recording medium and recording code format will be sent. Therefore, the reading means reads the recorded information of the credit transaction card according to the received information and transmits it to the other party's credit transaction card. In this Shun, items such as the name of the purchased item and details of its price are displayed on the display means, and information such as the name of the purchased item and price is inputted in the first input means according to the items. Sent to Bozeki.

On the other hand, even if you input the telephone number of the counterparty credit transaction institution using the first input method and call it directly without specifying the type of recording medium, the information about the type of recording medium and the recording code format is received from the counterparty credit transaction institution. is sent, so in this case as well, the reading means reads the recorded information of the credit transaction card in the same manner as in the above case.

(Example) Hereinafter, the present invention will be explained based on Examples.

FIG. 1 is an external view showing the position and implementation of the multi-functional telephone according to the present invention, in which the telephone main body 1 includes a card reading device 2, a display device 3 using a light-transmitting liquid crystal, and a display device 3 for credit transactions. A light pen 4 for inputting and selecting various information while viewing the display screen of the display device 3, and a handset 5 for making phone calls are provided. Further, a printing device 6 is provided separately from the telephone main body 1 for printing and recording the credit transactions. Of these, the reading device 2 has reading sections for each type of recording medium that can read recorded information on all types of recording media.

FIG. 2 is a block diagram showing details of the above configuration. A flat optical position detector PSD7 having approximately the same area as the display screen is provided on the bottom surface of the liquid crystal display device 3. When the light pen 4 is used to indicate the picture frame display surface, a signal corresponding to the indicated position is outputted from the optical position detector 7. The output signal of the optical position detector 7 is inputted to a signal processing circuit 8 provided inside the main body of the telephone, whereby the indicated position of the light pen 4 is identified. Information on this indicated position is sent to a data processing device 9 composed of a microprocessor, where it is compared with the positions of various images displayed on the display screen of the display device 11!3. Information about the indicated position is identified.

Therefore, regarding the type of recording medium, a number for each type is displayed on the display screen of the display device 3, and by pointing on the surface of one of the display numbers with the light pen 4, data processing 8 or 9 is performed. be identified. Similarly, regarding the name of the bank, etc., the name of the purchased item, the purchase price, etc.
Character information or symbols for identifying these are displayed on the display surface of the display device 3, and by indicating a desired character position or symbol position with the light pen 4, the information is identified by the data processing device et9.

Therefore, the data processing device 9 has a function of displaying the image O necessary for inputting various information in the above format on the display device 3. Such functions are realized by a program stored in advance in a read-only memory (ROM>10).

In this case, the display signal to the display device 3 is transmitted via the display controller 11 to data processing Il! Transferred from device 9. Further, in the RAM 10, information such as names and telephone numbers of credit transaction institutions such as banks are stored in advance for each type of recording medium of the credit transaction card 20.

On the other hand, the data processing device 9 controls the communication circuit 12 and communicates information such as the type of recording medium of the credit transaction card, the recording code format, the recorded information, the name of the purchased item, etc. with the required credit transaction institution via the telephone line 13. In addition to transmitting and receiving information such as the price, the printing device 6 prints transaction details such as the name of the purchased item and the price.

The information entered at the time of credit transaction, such as the name of the purchased product, is temporarily stored in random access memory (RAM) 14, and then sent to the other party's credit transaction institution along with the information on the credit card 20 read by the reader 2. Sent.

FIG. 3 is a flowchart showing the work procedure for credit transactions.

Regarding credit transaction cards, (a) the recording medium is common among various credit transaction institutions, but the recording code format is different, and (b) both the S medium and the recording code format are common. It may not be digitized.

Therefore, in the case of (a), the margin transaction work is carried out in steps S1 to 87. Moreover, in the case of (b), the margin transaction work is carried out in steps S4° to S7.

First, to explain case (a), the symbol related to the type of recording medium displayed on the display screen of the display device 3 is selected with the light pen 4, and the type of recording medium is input into the data processing device 9 (Sl). . Then, the data processing device 9 reads out the information on the name and telephone number of the credit transaction operator corresponding to the selected type from the ROM 10 and displays it on the display device 3 (S2). Therefore, when any one of these institutions is selected with the light pen 4 (S3), the data processing device 9 transfers information on the telephone number of the selected credit institution to the communication circuit 12. Then, the communication circuit 12 calls the corresponding credit transaction institution via the telephone line 13, and causes the credit transaction institution to transmit information regarding the type of recording medium and the recording code format (84, S5). The communication circuit 12 that has received this information sends the received information to the data processing 3! ! ! It is transferred to the reading device (I!2) via the device 9 (S6). Then, the reading device 2 activates the reading section corresponding to the type of recording medium, and transfers the recorded information of the credit transaction card 20 to the credit transaction institution. The record code format received from the record code is read and transferred to the data processing device @9.

When the reading of the information recorded on the credit transaction card 20 is completed, the data processing device 9 causes the display device 3 to display an image for inputting information for each item such as product name and price, along with the read information, and then displays the read information on the display device 3. By operating the pen 4, information such as product name and price is inputted item by item (S7). After this input information is temporarily stored in the RAM 14, it is transmitted to the counterparty credit transaction institution together with the information read from the credit transaction card 20 after all input operations are completed.

Next, if neither the recording medium nor the recording code format is standardized, the telephone number of the credit transaction institution with which the transaction is desired is input using the light pen 4 (84°).

This telephone number is then transferred to the communication circuit 12 via the data processing device 9.

Therefore, the communication circuit 12 calls the counterparty credit transaction institution using the input telephone number, and causes the counterparty credit transaction institution to transmit information on the type of recording medium and the recording code format (S
5). The communication circuit 12 that has received this information transfers the received information to the reading Vt device via the data processing device 9 (S6). From then on, the procedure is the same as in the case described above.

In any case, when the series of operations is completed, the name of the purchased item and details such as the price are printed by printing 8 and 6.

Therefore, according to this embodiment, a single multi-function telephone and telephone line can be connected regardless of the difference in recording medium or recording code format.
Margin transactions can be performed simply by using iQ[lff. Therefore, installation costs and operating costs can be significantly reduced in stores and the like. Another advantage is that because of the cost reduction, it can be placed in the home and it is easy to make bank transfers. Furthermore, if your credit card is stolen or lost, your bank account balance information was previously recorded, which could be read by someone else, potentially infringing your privacy. The information recorded on the credit transaction card is kept to the minimum necessary, and the rest is stored in the database of the credit transaction institution and is only made known to the cardholder during the credit transaction operation via the telephone line. You can do it like this.

In the embodiment, information regarding margin transactions is input using a light pen, but it may also be input using a push button switch or a dial button provided on the telephone body. Further, the display device is not limited to a liquid crystal display device, but a plasma display device or a small cathode ray tube display device may be used.

(Effects of the Invention) As explained above, according to the present invention, credit transactions can be performed with low introduction costs and operation, and preventive measures against privacy infringement can be easily taken. In addition, as the installation costs and operating costs become lower, it can be easily used as a terminal for home banging systems.
It has the effect of being able to do el.

[Brief explanation of the drawing]

FIG. 1 is an external view showing an embodiment of the present invention, FIG. 2 is a lock diagram showing the detailed configuration of the embodiment, and FIG. 3 is a flowchart showing a margin transaction procedure. 1... Phone body, 2... Reading device, 3... Display device, 40.・Light pen, 5...Telephone receiver, 6.
...Printing device, 7...Optical position detector, 9...Data processing 3! I! Device, 10... ROM 112... Communication circuit, 13... Telephone line.

Claims (1)

[Scope of Claims] A reading means for reading recorded information of multiple types of credit transaction cards with different recording media, and a communication means for transmitting and receiving information regarding credit transactions with a credit transaction institution via a telephone line. , a display means for displaying information related to margin transactions and items of information to be input; a first input means for selecting the displayed item and inputting information accompanying the item; and a type of the recording medium. a second input means for inputting information about the type of recording medium; a storage means for recording names and telephone numbers of a plurality of credit transaction institutions corresponding to the type of recording medium; and a storage means for inputting information regarding the type of recording medium by the second input means. When inputting information, the names and telephone numbers of a plurality of credit transaction institutions stored in the storage means are read out from the storage means, are displayed on the display means, and the credit transaction institution with which the transaction is to be made is indicated. a first processing means that causes selection by the first input means; and transmitting the telephone number of the selected credit transaction institution or the telephone number of the credit transaction institution directly input by the first input means to the communication means; 2. Call the relevant credit transaction institution and transmit information regarding the type of recording medium and information recording code format at the credit transaction institution.
processing means, the reading means reads the recorded information of the credit card according to the type of recording medium and the recording code format received from the corresponding credit transaction institution, and transmits the read information to the corresponding credit card through the communication means. A multifunctional telephone characterized by transmitting data to a transaction institution.