JP2512102B2 - Prepaid card processor - Google Patents

Description

TECHNICAL FIELD The present invention relates to a prepaid card processing device capable of paying for goods or services using a prepaid card, and particularly when a shortage occurs in prepaid card payment. The present invention relates to a prepaid card processing device that improves shortage processing in the above.

[Prior Art] As is well known, money information is magnetically recorded on a prepaid card in advance, and a card user purchases this prepaid card by paying a price corresponding to the magnetically recorded money information. Then, every time the user uses a prepaid card, for example, a ticket vending machine, a public telephone, etc., the amount of money corresponding to the usage fee is automatically deducted from the magnetically recorded amount information.

Also, if the amount information recorded on the prepaid card is less than the price, you can pay the insufficient amount in cash,
Alternatively, by inserting an additional prepaid card into the card insertion slot, the shortfall amount is paid from the additional prepaid card.

It is conceivable to apply a prepaid card having such a function of paying in advance to a general store. In this case, the money was collected when the card was issued,
It is very financially advantageous to the store side. Moreover, since it is not necessary to make a credit reference to the card like a credit card, the efficiency of sales operations can be improved.

[Problems to be Solved by the Invention] However, issuing a prepaid card that can be used only for each store is very troublesome for customers because it is necessary to carry a plurality of different types of cards for each store. Therefore, there is a demand for issuing prepaid cards that can be used at multiple stores.

On the other hand, for the store side, in addition to the common card that can be used at each store, for customers who always visit only their own store,
It is desirable to issue a unique card that can be used only at this store that can provide services different from ordinary customers. With this unique card, for example, it is possible to increase the discount amount (discount rate) between the amount (face value) stored in the card and the price when the card is actually sold to the customer.

Therefore, it is desired that a plurality of types of cards including at least a common card and a unique card can be used in one prepaid card processing device.

However, there is a problem that it becomes difficult to distinguish the prepaid card from a gift certificate that expands the range of products that can be used, and when the same card is used by an unspecified number of people, the same as cash.

In order to eliminate such inconvenience, it is possible to limit the number of persons who can use this card by magnetically recording, for example, information identifying the person who uses this card on the prepaid card.

However, if the information for identifying the user is recorded on the card as described above, it becomes impossible to insert another person's card as an additional card when the shortage occurs as described above. Therefore, you can either settle the shortfall with cash or cancel the payment with the card and have a prepaid card with newly recorded information that identifies you issued for payment and use the new prepaid card as an additional card. Had to do.

On the other hand, if a shortage occurs for the store side as well, it is necessary to issue a new additional card in which information specifying the person (customer) to be used at that time is issued, so the work efficiency of the entire sales operation is reduced.

As described above, when the card payment causes a shortage, if the information for identifying the user is recorded on the prepaid card, the prepaid card becomes very complicated and difficult for the card user to use.

The present invention has been made in view of such circumstances, and when a shortage amount occurs in card payment, if there is a certain relationship between the type of card and the type of additional card in which the shortage amount occurs, A prepaid card is automatically created from the original card with a simple key operation, and at the same time by issuing the deducted amount of deficit from that card, the issuance of additional cards can be performed within a series of sales operations for one customer. An object of the present invention is to provide a prepaid card processing device that can be implemented, can reduce the burden on the operator, and can significantly improve the work efficiency of the entire sales operation.

[Means for Solving the Problems] In order to solve the above problems, according to the present invention, the amount information recorded on the prepaid card inserted from the card insertion slot is read by a card reader / writer, and a sales operation for one customer is performed. In the prepaid card processing device that deducts the total amount of the applicable customers obtained from the amount information and writes the amount information after deduction to the prepaid card with the card reader / writer and ejects it to the prepaid card inserted from the card insertion slot Card information reading means for reading the recorded card type information, member number, and personal identification number together with the amount information, a shortage amount display means for displaying the shortage amount when the total amount exceeds the read amount information, and a shortage amount A card of the original card in which the card type information and the amount of money information that has been added to the card insertion slot after being displayed are recorded An original card information reading means for reading information, and a combination type detecting means for detecting a combination type of the card type information of the original card read by the original card reading means and the card type means of the prepaid card in which the shortage amount has occurred When the combination type detected by the combination detecting means is the automatic writing permission type set in the storage unit in advance, the member number and the personal identification number stored in the prepaid card are written to the original card to newly create the new type. And a prepaid card issuing means for deducting the deficient amount from the amount information recorded on the prepaid card generated by the prepaid card generating means and discharging the prepaid card.

[Operation] In each prepaid card used in the prepaid card processing device configured as described above, in addition to the amount information, card type information for identifying the card type, a membership number for identifying the user, and a personal identification number Is recorded. In addition, an original card on which the amount information and the card type information are recorded is prepared in the store where the prepaid card processing device is arranged.

Then, when the prepaid card on which the amount information, the card type information, the member number, and the personal identification number are recorded is inserted into the card insertion slot of the prepaid card processing device, the amount information stored in the prepaid card, the card type information, the member number, Card information such as a personal identification number is read. Then, for example, when a sales operation is performed for one customer using the keyboard, the total amount of the customer is compared with the amount information read from the prepaid card, and if a shortage occurs, the shortage is displayed. Then, when the original card is inserted into the card insertion slot as an additional card, the combination type of the card type information recorded on the original card and the type information of the prepaid card in which the shortage amount previously inserted has been detected. It Then, if this combination type is the automatic writing permission type set in the storage unit in advance, the member number and the personal identification number of the preceding prepaid card are written in the original card, and the insufficient amount is deducted from the amount information. After that, it will be ejected as a new prepaid card.

Therefore, when the combination of the prepaid card and the original card satisfies a preset certain combination condition, the sales process and the card issuing process are automatically executed within a series of sales operations.

[Embodiment] An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a conceptual diagram showing each store in which the prepaid card processing device of the embodiment is installed and the types of prepaid cards that can be used in each store.

The stores 1 and the card issuing offices 2 of A1 to An belonging to the franchise of [A] are online connected to the card center 4 of [A] composed of a host computer via a telephone line 3. The franchise of [B] is the same as the franchise of [A].

Each store 1 of A1 to An belonging to the franchise of [A] has its own card 5 issued by each store 1, a common card 6 that can be used in common for all stores of its own franchise [A], and a partner [B] You can use the affiliated card 7 which is a common card of the franchise.

Further, each store 1 is provided with respective original cards for issuing the unique card 5, the common card 6, and the affiliated card 7.

2A and 2B are a common card 6 used in the prepaid card processing device of the embodiment and the common card 6
It is a figure which shows the original card 6a corresponding to. On the common card 6, each message such as [A member store common card] indicating that it is a common card, [5000 yen] indicating the issuing company name and face value, etc. is written, and a magnetic stripe 8 on which card information is magnetically recorded is formed. Has been done. Further, a punch hole 9 showing an approximate balance state that changes depending on the usage status of the card 6
Has been drilled.

In the magnetic stripe 8, as shown in FIG. 3 (a), the issuing company code 8a, the issuing date 8b, the cardholder's member number 8c, as the type information indicating the company that issued this common card 6, The personal identification number 8d, the consecutive card numbers 8e on all the cards, and the amount 8f as amount information are recorded.

On the other hand, the original card 6a has the same configuration as the common card 6,
A message having the same content is written and a magnetic stripe 8 is formed. The punch hole 9 is not provided.

On the magnetic stripe 8 of the original card 6a, as shown in FIG. 3 (b), only the issuing company code 8a, the card number 8e, and the amount 8f are magnetically recorded in a predetermined area in advance. This original card 6a
The amount of money 8f magnetically stored in is the stated amount of money, such as 50,000 yen.

Then, on the magnetic stripe 8 of the original card 6a, the issue date 8b, the purchaser (card holder) member number 8c, and the personal identification number 8d
By writing the common card 6 shown in FIG.
Becomes

Other unique cards 5, partner cards 7 and this unique card
5, each original card corresponding to the affiliated card 7 has the same configuration as the common card 6 and the original card 6a.

The common card 6 and the mobile card 7 are given a common issuing company code 8a for each franchise, and the unique card 5 is given a unique issuing company code 8a for the store 1.

Note that the membership number 8c and the personal identification number 8d are recorded on each card 5, 6, and 7 as described above, by identifying the person who can use this card, it is different from cash and gift certificates. This is because it is possible to reissue the card when the card is lost by showing the fact and confirming the membership number and PIN.

FIG. 4 is an external view showing a prepaid card processing device 11 in which the respective cards 5, 6, 7 are used. A keyboard 12 is arranged on the front surface of the housing, and a card insertion slot 13,
A display unit 14 is provided. Further, to the prepaid card processing device 11, a pin pad 15 for a customer to input a personal identification number and a printer 17 for printing a sales amount etc. on a recording paper 16 are connected by a cable.

On the keyboard 12, as shown in FIG. 5, in addition to a numeric key 18 for inputting numeric data, a confirmation key 19 for confirming the numeric data entered, a subtotal key 20a, is input. A sales total key 20b for totaling the sales amount to one customer, an additional card key 20c that declares that the shortfall amount will be paid with an additional card when a shortfall occurs, and also the shortfall amount will be paid in cash. Various function keys 20 such as a cash payment key 20d to be declared are arranged.

Further, the keyboard 12 is provided with a work changeover switch 21 which can be changed over by an operator with a key. And
[Sales] [Inspection]
Various tasks such as [payment] are selected and set.

FIG. 6 is a block diagram showing a schematic configuration of the prepaid card processing device 11.

Bus line 26 to CPU 25 that executes various information processing
A communication control circuit including a ROM 27 for storing a control program, a RAM 28 for storing various variable data such as a sales totalization file, a keyboard 12, and an NCU / MODEM online connected to the card center 4 via a telephone line 3 via a telephone line 3. 29,
A display unit 14 for displaying input numerical data and various operation guides, a card reader / writer 30 and a pin pad 15 for reading / writing information from / to each card 5, 6, 7 inserted from the card insertion slot 13 and each original card. Connected interface
31, the interface 32 and the like connected to the printer 17 are connected.

Further, the drive voltages V _D and V _C are supplied from the power supply 33 to the electronic components.

In the RAM 28, as shown in FIG. 7, a sales total file 28a for totaling the sales amount of the products sold by each prepaid card 5, 6, 7 and a total sum for calculating the total sales amount for one customer. A memory 28b, a card information memory 28c that stores the card information read by the card reader / writer 30, and a display buffer 28 that stores the display data to be displayed on the display unit 14.
d, a print buffer 28e for storing print data to be printed on the recording paper 16 by the printer 17, a shortage memory for temporarily storing the shortage when a card payment causes a shortage
28f, a card information gaffa 28g, etc. for temporarily storing the card information of the prepaid cards 5, 6, 7 inserted earlier when paying the deficient amount with the additional card are formed.

Further, in the RAM 28, when a shortage amount occurs due to card payment, and the shortage amount is the card type of the original card when a new card is issued using the original card in the processing device 11, For each combination with the card type of the prepaid card in which the shortfall occurred, store information about whether or not the combination is permitted and, if permitted, whether the membership number and PIN can be automatically written. A combination table 28h is formed.

For example, in the case where the prepaid card in which the shortage amount has occurred is the unique card 5 and the combination type code 1 in which the shortage amount is paid by the original card of the unique card, this combination is permitted, and the write flag is set to 1. ing. further,
In this combination, the automatic writing flag is set to 1 because it is automatically permitted to write the membership number and the personal identification number.

Further, since the combination of the original card and the common source card, which is indicated by the combination type code 2 as the combination of the insufficient card and the addition source card, is not permitted, the write flag is set to 0. That is, in this embodiment, the combination of the unique card with the combination type code 1 and the original card, the combination of the common card with the combination type code 4 and the common source card, the affiliated card with the combination type code 7 and the affiliated source Automatic writing of a membership number and a personal identification number is permitted for three types of combinations with a card. Although the combination of combination type codes 5 and 9 is permitted, the member number and the personal identification number must be manually input.

Further, in the RAM 28, a type memory 28i for storing the types when the processing device 11 handles the prepaid cards 5, 6, 7 and the issuing company code 8a recorded in each original card. Are formed.

Then, the CPU 25 is programmed so as to execute the sales processing business according to the flow chart of FIG.

The flow chart starts, and the keyboard is pressed at S (step) 1.
If the 12 task changeover switches 21 are set to the [Sales] task, the operation guide of [Card insertion] is displayed on the display unit 14. And the prepaid card 5,6,7 in the card insertion slot 13.
When is inserted, the issuing company code 8a, the issuing date 8b, the membership number 8c, the personal identification number 8d, the card number 8e, the amount 8g, etc. stored in the magnetic stripe 8 of the prepaid card by the card reader / writer 30 in S2. Read card information consisting of. Then, the read card information is stored in the card information memory 28c of the RAM 28.
Store to. Next, in S3, it is checked from the card information stored in the card information memory 28c whether or not the inserted prepaid card 1 is a usable card. Then, for example, if the issuing company code is a company code of another franchise which is not affiliated, the prepaid card cannot be used. Therefore, after displaying the message [unavailable] on the display unit 14, the card is ejected.

If the prepaid card inserted in S3 is a normal card, the operation guide of [PIN code input] is displayed on the display unit 14. When the personal identification number is input by the customer's key operation on the pin pad 15, it is checked whether or not the personal identification number matches the personal identification number 8d stored in the card information memory 28c.
If they do not match, the operation guide of [PIN code input] is displayed, and the playback PIN code is waited for. If the password does not match even after the password has been entered three times, it is determined that the card is an accident card, [Unusable] is displayed, and the card is ejected. If the personal identification numbers match, the amount 8f of the card information memory 28c is displayed as the card balance in S4.

Next, when the amount of money of the product purchased by the customer is entered by operating the combination key of the numeral key 18 and the confirmation key 19, the amount is added to the total amount of the total memory 28b. Then, when the sales total key 20b is operated in S5, the total processing of the sales amount for one customer is completed, so that the display unit 14 displays the total amount of the total memory 28b.

Then, in S6, the total amount is the card information memory 28c.
Make sure that the amount is less than or equal to the card balance indicated by 8f. If it is less than the card balance, the total amount is deducted from the amount 8f to obtain the deduction balance. Then, while displaying the balance, the balance is written in the card information memory 28c as a new amount 8f.

Then, the new amount of money 8f stored in the card information memory 28c is written in the corresponding area of the magnetic stripe 8 of the prepaid card inserted in the card insertion slot 13 by the card reader / writer 30. Then, the sales data including each amount and the total amount is printed out on the recording paper 16 by the printer 17 (receipt issuance). Next, the total amount of money is registered and totalized in the sales totalization file 28a, and the total memory 28b is cleared. Finally, the prepaid card inserted in the card insertion slot 13 is discharged, and the sales processing operation by the prepaid card for one customer is completed.

If the card balance is less than the total amount in S6, S7
Perform the following shortage processing. That is, in S7, the card balance is subtracted from the total amount to calculate the shortfall amount, and the shortfall amount is stored in the shortfall amount memory 28f of the RAM 28. And
The shortage amount is displayed on the display unit 14 at S8, and the customer waits for the choice of whether to pay the shortage amount with an additional card or with cash.

When the additional card key 20c is keyed in at S9, it is determined that the shortage amount will be paid by the additional card, and the amount 8f is set to 0 and written in the prepaid card currently inserted in the card insertion slot 13. Then, the prepaid card is ejected. Next, in S11, the card information of the ejected prepaid card stored in the card information memory 28c is stored in the card information buffer 28g.

Then, the operation guide of [insert additional card] is displayed on the display unit 14. When a new card is inserted into the card insertion slot 13, the card information stored in the card is read in S12 and stored in the card information memory 28c. And S
At 13 and S22, it is determined from the card information stored in the card information memory 28c whether the inserted card is the original card or the prepaid card. If there is no issue date, member number, or personal identification number in the card information, the card is the original card, so the types of prepaid card and original card are issued in S14 by issuing company code of card information buffer 28g and card information memory 28c. The company code is read from the type memory 28i of the RAM 28, and it is checked which combination type code of the combination table 28h the combination thereof corresponds to.

When the combination type code is retrieved, the process proceeds to S15 in FIG. 9 to check the state of the write flag of the corresponding combination type code. If it is set to 1, this combination is permitted, so the process proceeds to S16 and the automatic write flag of the corresponding combination code is checked. If it is set to 0, it is necessary to manually input the membership number and the personal identification number from the keyboard 12 and the pin pad 15, so that the operation guide of [Enter membership number] is displayed on the display unit 14. Numeric key 18 and Confirm key 19
When the member number is entered by operating the combination key of and, the member number is written in a predetermined area of the card information memory 28c. Next, display the [PIN code input] operation guide and use the pin pad 15
When the personal identification number is entered by operating the combination key of the confirmation key 19 and the confirmation key 19, it is also stored in the card information memory 28c. At the same time, the current date is read from a separately provided clock circuit and stored in the card information memory 28c as the issue date.

Then, in S17, the card balance indicated by the amount 8f of the card information memory 28c is displayed. When it is confirmed in S18 that the card balance is equal to or larger than the shortage amount of the shortage memory 28f, the balance is calculated and displayed. Then, the balance is written in the card information memory 28c. Then, in S19, each data such as the member number, the personal identification number, and the amount of money stored in the card information memory 28c is written in the original card inserted in the card insertion slot 13. That is, this original card becomes a prepaid card. Next, the sales data described above is printed out, the sales totalization file 28a is updated, and the total memory 28b is cleared. Then, the newly generated prepaid card is discharged, and the sales operation and the card issuing operation for one customer are completed.

If the automatic writing flag is set to 1 in S16, the process proceeds to S21, the member number and the secret code stored in the card information buffer 28g are read, and the card information memory 28c is read.
Write in the specified area of. At the same time, the current date is read from a separately provided clock circuit and the card information memory is used as the issue date.
Store in 28c. Then, at S18, card information memory 28c
Display the card balance (amount 8f).

If the write flag of the corresponding combination type code is set to 0 in S15, this combination is not permitted, so [Unusable] is displayed on the display unit 14 and the corresponding original card is ejected. Then, the process returns to S9 in FIG. 8 and waits for the next key operation.

The card input in S22 of FIG. 8 is a prepaid card, and the card information memory 28c and the card information buffer 2
If the 8g membership number and PIN match, S1 in Fig. 9
Proceed to 7 to display the card balance in the card information memory 28c. Then, if the card balance is less than the shortfall in S18, the process returns to S7 in FIG. 8 and a new shortfall is calculated.

Further, in S23, when the cash payment key 20d is keyed in place of the additional card key 20c, the above-mentioned sales data is printed out on the recording paper 16 and the shortage amount is printed out and discharged (receipt). Issue). Then, the total amount is registered and totalized in the sales totalization file 28a, and the balance 0 is written into the prepaid card inserted in the card insertion slot 13 and discharged.

As shown in FIG. 2 and FIG. 3, cards that can be handled by the prepaid card processing device 11 configured as described above include the issuing company code 8a, member number 8 in addition to the amount 8f.
c and the prepaid card 5,6,7 that has already been magnetically recorded with the personal identification number 8d and the above prepaid card 5,6,7 that does not have the member number 4c and the personal identification number 4d recorded. There is a card.

Then, when performing a sales operation for one customer, after inserting the issued prepaid card into the card insertion slot 13, the customer is asked to input the personal identification number. Then, when you enter the amount of each product and finally operate the sales total key 20b, the total amount is displayed, then the balance balance obtained by subtracting the total amount from the card balance is displayed, and the difference amount Will be written on the prepaid card as a new card balance and will be discharged.

Then, when the card balance is less than the total amount, the insufficient amount is displayed. And if the customer has an issued prepaid card, additional card key 20
If you press c, the previous prepaid card will be rewritten to a card balance of 0 and then ejected. If you then insert the new prepaid card into the card insertion slot 13 as an additional card, the prepaid card will be deducted from the card balance. The insufficient amount is deducted and discharged.

That is, when the prepaid cards are continuously used, it is not necessary to input the personal identification number for the second and subsequent prepaid cards.

If the customer does not bring an issued prepaid card at the time the shortfall is displayed, the additional card key 20
After operating the key c to eject the prepaid card with a card balance of 0 and eject the card, the original card of the type designated by the customer is inserted into the card insertion slot 13. Then, the combination between the type of the prepaid card in which the insufficient amount of money has been inserted earlier and the type of the newly added original card is detected. Then, the detected combination is the combination table 28.
Only when certain conditions shown in h are met, the prepaid card membership number 8c and PIN 8d are automatically written on the original card to become a new prepaid card. The deficit amount is deducted and discharged.

The constant condition is the combination table of FIG.
As shown in 28h, it is an original card of the same type as the pre-hade card in which the shortage occurred. In other words, there is a possibility that the membership numbers will be duplicated and the registered PINs will not match between card types. Therefore, if you copy the member numbers to different types of cards, there is a risk that the member numbers will be duplicated between the same types. It can be prevented from doing.

In addition, the membership number and the personal identification number can be manually input under certain conditions. In other words, within the scope of responsibility at this store, it is possible to combine different types of cards and improve the work efficiency of issuing new cards.

That is, in this prepaid card processing device 11, if a certain condition is satisfied in a series of sales processing operation process for one customer, the original prepaid card sales processing and a new prepaid card issuing processing are executed. . Therefore, since it is not necessary to key in the membership number or the personal identification number to issue a new prepaid card, the work efficiency of card issuance can be greatly improved, and the work efficiency of the entire sales operation can be greatly improved.

[Effects of the Invention] As described above, in the prepaid card processing device of the present invention, when a shortage of money occurs in card payment, there is a fixed relationship between the type of the card in which the shortage of money has occurred and the type of the addition source card. If it exists, a prepaid card is automatically created from the original card by a simple key operation, and the insufficient amount is automatically deducted from the prepaid card to be issued. Therefore, the business of issuing an additional prepaid card can be performed within a series of sales operations for one customer, and the business of issuing a card that is separately performed at normal times can be omitted. As a result, the burden on the operator can be reduced, and the work efficiency of the entire sales operation can be significantly improved.

In addition, when the prepaid card is automatically created from the original card, the certain conditions described above are imposed to prevent the occurrence of an accident due to the issuance of a new prepaid card and improve the reliability of the entire apparatus.

[Brief description of drawings]

1 to 9 show a prepaid card processing device according to an embodiment of the present invention. FIG. 1 is a diagram showing an entire system in which this processing device is incorporated, and FIG. 2 is a prepaid card and an original device. FIG. 3 is an external view of a card, FIG. 3 is a view showing card information stored in a prepaid card and an original card, FIG. 4 is an external view showing a prepaid card processing device, FIG. 5 is a key arrangement diagram of a keyboard, and FIG. Is a block diagram showing a schematic configuration of a prepaid card processing device,
FIG. 8 is a diagram showing each memory formed in the storage unit, and FIGS. 8 and 9 are flow charts showing the operation. 5,6,7 ... Prepaid card, 6a ... Original card, 8 ... Magnetic stripe, 11 ... Prepaid card processing device, 12 ... Keyboard, 13 ... Card insertion slot, 15 ... Pin pad, 17 ... Printer, 20b ... Sales key, 20c ... additional card, 20d ... cash payment key, 25 ... CPU, 28 ... RAM, 30 ... card reader / writer.

 ─────────────────────────────────────────────────── ─── Continuation of the front page (72) Inventor Takamasa Sakakibara 2-3-1, Kentokucho, Oita City, Oita Prefecture Oita Prepaid Card Co., Ltd.

Claims (1)

(57) [Claims] 1. A card reader / writer (30) reads the amount information (8f) recorded on a prepaid card (5,6,7) inserted from a card insertion slot (13) for sales operation for one customer. In the prepaid card processing device, which subtracts the total amount of money of the applicable customer obtained from the above amount information and writes the amount information after the deduction, to the prepaid card by the card reader / writer and ejects the card, from the card insertion slot. Card type information (8a), membership number (8c), recorded on the prepaid card
A card information reading means (S2) for reading the personal identification number (8d) together with the amount information, and a deficit amount display means (S8) for displaying the deficit amount when the total amount exceeds the read amount information, The original card information reading means (S12) for reading the card information of the original card (6a) in which the card type information and the amount information additionally inserted into the card insertion slot after the display of the shortage amount are displayed, and the original card reading The combination type detection means (S14) for detecting the combination type of the card type information of the original card read by the means and the card type information of the prepaid card in which the shortage amount has occurred, and this combination detection means When the combination type is the automatic writing permission type set in the storage unit in advance, the member number and the personal identification number stored in the prepaid card are written to the original card. A new prepaid card generating means (S21 to S19), and an additional prepaid card light emitting means for subtracting the shortage amount from the amount information recorded on the prepaid card generated by the prepaid card generating means and discharging it. (S18 to S20), and a prepaid card processing device.