JPH02193294A - Card system - Google Patents

Abstract

PURPOSE:To save the labor for register operation and settlement by carrying out the settlement using a card by adding or subtracting a frictional amount to or from the effective recording information of the card according to the effective recording information as to the frictional amount in optional digit units which is generated in dealings with a customer. CONSTITUTION:This card system consists of an electronic cash register (ECR) 1 and a card reader writer 2 and cash settlement and dealings by articles, cash, and cards are carried out between a customer 3 and a store clerk 4. Then the settlement by cash is performed with the customer 3 as to the amount of cash settlement, but the frictional amount of card settlement is compared with the effective recording information of the card and the frictional amount of the card settlement is added to or subtracted from the effective recording information of the card according to the comparison result to complete the settlement using the card. Consequently, the labor for the register operation and settlement is saved.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention is an electronic system capable of performing both card payments and cash payments using a card in which valid record information is added or subtracted for each transaction. Cash register (hereinafter referred to as E)
The present invention relates to a card system using a credit card (referred to as CR).

[Prior Art] ECRs have been widely used in department stores, supermarkets, and the like.

Furthermore, in order to improve the efficiency of registration operations and improve customer service, recent ECRs have been using cards (so-called prepaid cards) whose effective balance information is subtracted for each transaction. Systems that allow both card payments and cash payments have been proposed and implemented. This type of system subtracts the registered amount from the card balance in response to a registration operation associated with a transaction with a customer, and records the updated card balance on the card again.

[Problems to be Solved by the Invention] In recent years, various cash registers have been used in large-scale stores such as mass merchandisers and convenience stores. However, in this type of store, the price of the product is
Because there are many yen digit units, transactions with customers are very often made in 1 yen digit units. In addition, with the recent introduction of consumption tax, a 3% tax will be added to the cumulative amount of shopping at department stores, etc., where product prices rarely include 1-yen units. Because the amount of money involved is so large, it has become inevitable that transactions with customers be made in units of 1 yen. As a result, the following problems are occurring on the customer side, cashier side, and store side.

In other words, from the customer's perspective, they do not have to go to the trouble of preparing 1 yen coins in advance when they go to the store.
(a) My wallet is bulky because I have too many 1 yen coins in my change, (b
) There are problems such as: it takes a lot of time to settle the account in 1 yen digits in cash, and (C) there is no fashion sense when paying the price. From the cashier's perspective, there are many types of change and 1 yen coins are bulky, so (a) it is extremely time-consuming to settle accounts in 1 yen digits using cash, and (b) cash register turnover rate. There are problems such as poor performance. Furthermore, from the store's point of view, since 1 yen coins have to be exchanged for large amounts, (a) there is a loss of time, (b) there is a loss of personnel costs, and (c) there is a loss in labor costs. There are problems such as the screws not being good.

As mentioned above, the conventional method has the problem of not being able to save labor at the time of registering and making payments.

The present invention was made to solve the above-mentioned problems, and it is possible to eliminate all cash transactions in units of arbitrary digits such as 1 yen digits, thereby saving labor at cash registers and accounting. The purpose is to provide a card system.

[Means for Solving the Problems] In order to achieve the above object, the present invention provides for both card payments and cash payments using a card in which valid record information is added or subtracted for each transaction with a customer. In a card system that uses an electronic cash register that can be used for cash registers, a single item amount input means for inputting a single item amount;
an accumulating means for accumulating the registered amount each time a single item is registered using the single item amount input means; a display means for displaying at least the individual item amount; and change based on the final accumulated amount by the accumulating means and the actual amount paid by the customer. Calculation processing means that calculates the amount of money, calculates the cash-settled amount of the transaction with the customer and the fractional amount of the card-settled amount based on the change amount, and displays the processing result on the display means; a card reading means for reading the valid record information of the card for each cash payment processing based on the amount of cash payment; a fractional amount in arbitrary digit units of card payment property by the calculation processing means; Compare the size relationship with the valid record information, and if the result of this comparison is that the valid record information of the card is greater than or equal to the fractional amount of the card payment property, the fractional amount of the card payment property is subtracted from the card's valid record information, and the card If the valid recorded information is less than the fractional amount of the card payment property, the card payment processing means performs the card payment process by adding the fractional amount of the card payment property to the card's valid record information, and the card payment processing means adds the fractional amount. and a card writing means for adding or subtracting the valid record information of the card based on the amount or the amount of deduction and writing the result to the card again.

[Function] Therefore, in the card system of the present invention, the amount of change is calculated based on the final cumulative amount of the transaction with the customer and the amount actually paid by the customer, and the amount of change is calculated based on this amount of change. The amount of cash payment and the fractional amount of card payment related to the transaction are calculated. The amount for this cash settlement is then settled directly with the customer in cash. In addition, regarding the fractional amount of card payment characteristics, the magnitude relationship between the fractional amount of card payment characteristics and the card's valid record information is compared, and based on the comparison result, the card payment characteristics are compared to the card's valid record information. Payment is made by card by adding or subtracting fractional amounts. This eliminates the need for coins for payments during transactions with customers, making it possible to save labor at cash registers and accounting.

[Example] Hereinafter, an example of the present invention will be described in detail with reference to the drawings.

FIG. 2 is a conceptual diagram showing how the card system according to the present invention is used. In Figure 2, the card system is E
It consists of a CRI and a card reader/writer 2, and allows transactions of products, cash, and cards between a customer 3 and a store clerk 4 through cash and card payments.

FIG. 1 is a block diagram showing an example of the configuration of the card system in FIG. 2. FIG. The card system of this embodiment is the first
As shown in the figure, it consists of an ECR 1 and a card reader/writer 2. The ECRI also has a keyboard 11 as an input means and a display 1 as a display means.
2, RAM 13 and ROM 14 which are storage means,
It is composed of a CPU 15 which is an arithmetic processing means and a printer 16 which is an output means.

Here, the keyboard 11 is used to perform input operations such as inputting the price of a single item, plus/equal execution operation, and the like. Further, the display 12 is for displaying the amount of each item, the final cumulative amount (total amount), the amount of change, etc. In addition, RAMI 3 stores data during each process of payment processing, as well as cards (e.g., magnetic cards,
This is for storing valid record information etc. read from a C card, etc.). Furthermore, the ROM 14 is for storing in advance the contents of processing procedures related to payment as a program. In this case, the valid record information recorded on the card may be predetermined such that the maximum amount is, for example, 9 yen in 1 yen digits.

On the other hand, the CPU 15 executes the following functions (a) to (d) based on the programs in the ROM 14. (a) A cumulative function that totals up the amount registered each time an individual item is registered with the keyboard 11; (b) A cash payment is made based on the final cumulative amount by the cumulative function and the customer's actual payment amount, and the change amount is calculated. The change amount is rounded up or divided to calculate the amount of change actually paid to the customer, which is the amount for cash payment, and the fractional amount to the nearest 1 yen for card payment. a calculation processing function that displays the processing results on the display 12; (c) performs the cash payment processing based on the cash payment amount and the customer's actual payment amount in cash; and displays the processing results on the display 1;
(d) The cash payment processing function to be displayed in (d) Calculation processing function to determine the size relationship between the fractional amount of the card payment in 1 yen units and the valid record information of the card read by the card reader/writer 2. By comparing, it is determined whether to add or subtract the valid record information of the card, and if the valid record information of the card as a result of this comparison is more than the fractional amount of the card payment amount, the card is added or subtracted from the valid record information of the card. The fractional amount of the payment is deducted, and if the card's valid record information is less than the fractional amount of the card payment, the card payment is processed by adding the fractional amount of the card payment in arbitrary digits to the card's valid record information. Card payment processing function.

Further, the printer 16 is used to print out processing data in each process of payment. Furthermore, the card reader/writer 2 has a function of reading the card's valid record information for each cash payment process, and adds or subtracts the card's valid record information based on the amount added or subtracted by the card payment processing function. It has the function of writing on the card again.

Next, the operation of the card system configured as described above will be explained using the flow diagram shown in FIG. In this case, a certain customer 3 uses a card whose valid record information has a maximum amount of 9 yen, and sells a card with a price of 3,000 yen, for example, at a certain department of the store.
A case will be described in which a customer purchases a yen product, a product with a price of 1,500 yen, and a product with a price of 344 yen, and settles the payment with the store clerk 4.

In this case, the card issuer (system operator: store) first distributes or asks the customer to purchase a card with a maximum amount of 9 yen recorded as valid record information. Then, the customer makes the above-mentioned purchase, and when the purchase is completed, hands over the purchased item and the purchased card to the clerk at the checkout location.

Next, the cashier 4 inputs the single item price as 3000 using the number keys on the ECRI keyboard 11.
This single item price is stored in the RAM 13 (step S L
) It is further displayed on the display 12 (step S2). Next, by operating the plus and equal keys on the keyboard 11 (Step S3), and then inputting the single item price as 1500 using the number keys on the keyboard 11, this single item price is similarly stored in the RAM 13 (Step S1). , is further displayed on the display 12 (step S2). Next, operate the plus and equal keys on the keyboard 11 (step S3), and then
By inputting the single item price as 344 using the numeric key, this single item price is similarly stored in the RAM 13 (step Sl) and further displayed on the display 12 (step S2). Next, by operating the plus and equal keys on the keyboard 11 twice (step S
3) The CPU 15 calculates the final cumulative amount A, which in this case is displayed as 4,844 yen on the display 12 (step S4), and the customer 3 is notified of this.

Next, the CPU 15 executes a cash payment process. That is, first, when customer 3 pays, for example, 5,000 yen as the actual payment amount B, cashier 4 records ECR.
Enter the deposit amount by 500 using the number key on the keyboard 11 of I.
By inputting 0 manually, this deposit amount is stored in the RAM 1B, and the deposit amount B is displayed as 5,000 yen on the display 12 (step S5), and the customer 3 is notified of this. Next, the cash payment process is executed by operating the payment key on the keyboard 11 (
Step S6), the amount of change C is displayed on the display 12 (Step S7).

In this case, the calculation C-B-A-5000-4844-156 is performed, and the resulting change amount C is displayed on the display 12 as 156 yen, and the customer 3 is notified of this.

Next, in the CPU 15, this change amount C is rounded up (step S8), and the amount for customer 3, which is the amount for cash payment, is rounded up (step S8).
The amount E to be actually paid and the fractional amount C of the card payment in units of 1 yen are calculated, and the results of this processing are displayed on the display 12 (step S9). This calculation process is performed by the following calculation process.

Generally, since the data held in ECR is of integer type, calculations are performed accordingly.

Step 1 Divide the change amount C by -10 E = 156 ÷ (
-10)=-16 Step 2 Multiply the amount obtained in Step 1 by 16xlO--16° Step 3 Remove the (-) flag for the amount obtained in Step 2 Step 4 Amount E obtained in Step 3 Subtract the change amount C from E-C-160-156-4 In other words, 156 yen is the cash payment amount of 160 yen obtained in step 1 and the card payment amount obtained in step 4 in 1 yen units. The amount is rounded up to 4 yen and displayed on the display 12 as follows: "Cash payment amount 160 yen Card payment amount 4 yen".

Next, this cash settlement amount is stored in RAMI 3 (step 510), and settlement is then performed with customer 3. First, a cash payment process is executed, and the change amount C is displayed on the display 12. Next, the valid record information of the card is read out by the card reader/writer 2, and this valid record information is stored in the RAM 13 (step 511).

Next, the CPU 15 compares the magnitude of the fractional amount C of the card payment in 1 yen units with the card validity record information read out by the card reader/writer 2, and determines whether the card is valid or not. It is determined whether the recorded information can be subtracted (step 512). the result,
In this case, since the card's valid record information is greater than or equal to the fractional amount C for the card payment (D≧C), the card payment process is performed by subtracting the fractional amount C for the card payment from the card's valid record information. Thereafter, the card reader/writer 2 subtracts the valid record information of the card (step 514), and the payment process ends. As a result, 160 yen is paid in cash to customer 3, and the valid record information of the card is changed to 5 yen (-9-4
) will be updated.

Next, the customer 3 uses this card with valid record information of 5 yen to buy, for example, a product priced at 2,000 yen at another department.
A case will be described in which a product with a price of 468 yen is purchased and the payment is made with the store clerk 4.

In this case, the card issuer (system operator: store) first hands the card, which has 5 yen recorded as valid record information, to the staff member at the checkout location along with the purchased items when the shopping is completed. .

Next, the cashier 4 inputs the single item price as 2000 using the number keys on the ECRI keyboard 11.
This single item price is stored in the RAM 13 (step S1).
, is further displayed on the display 12 (step S2
). Next, press the plus and equal keys on the keyboard 11 (suftip S3), then press the numeric keys on the keyboard 11,
By inputting the single item price as 468, this single item price is similarly stored in the RAM 13 (step S1) and further displayed on the display 12 (step S2). Next, by operating the plus and equal keys on the keyboard 11 twice (step 53-), the CPU 1
5, the final cumulative amount A is calculated, and in this case, 2468 yen is displayed on the display 12 (step S4), and the customer 3 is notified of this.

Next, the CPU 15 executes a cash payment process. That is, first, if customer 3 pays, for example, 3,000 yen as the actual payment amount B, cashier 4 records ECR.
Enter the deposit amount by 300 from the numeric key on keyboard 11 of I.
By inputting 0, this deposit amount is stored in the RAM 13, and the deposit amount B is displayed as 3000 yen on the display 12 (step s5), and the customer 3 is notified of this. Next, the cash payment process is executed by operating the payment key on the keyboard 11 (
Step S6), the amount of change C is displayed on the display 12 (Step S7).

In this case, the calculation C-B-A-3000-2468-532 is performed, and the resulting change amount C is displayed on the display 12 as 532 yen, and the customer 3 is notified of this.

Next, in the CPU 15, this change amount C is rounded up (step S8), and the amount for customer 3, which is the amount for cash payment, is rounded up (step S8).
The amount E to be actually paid and the fractional amount C of the card payment in units of 1 yen are calculated, and the results of this processing are displayed on the display 12 (step S9). This calculation process is performed by the following calculation process.

Generally, since the data held in ECR is of integer type, calculations are performed accordingly.

Step 1 Divide the change amount C by -10 E-532 ÷ (
-10) = -54 Step 2 Multiply the amount obtained in Step 1 by 10 -54X10 = -540 Step 3 Remove the (=) flag for the amount obtained in Step 2 E = 54.0 Step 4 In Step 3 Subtract the change amount C from the obtained amount E-C-540-532-8 In other words, the change amount of 532 yen is the cash payment amount obtained in step 1 of 540 yen and the card payment amount obtained in step 4 The amount is rounded up to the nearest 1 yen digit and displayed on the display 12 as follows: "Cash payment amount 540 yen Card payment amount 8 yen".

Next, this cash payment amount is stored in the RAM 13 (step 510), and the payment is then made with the customer 3. First, a cash payment process is executed, and the change amount C is displayed on the display 12. Next, the valid recording information of the card is read out by the card reader/writer-2, and this valid recording information is stored in the RAM 1B (step 511).

Next, in CP, U, 15, the magnitude relationship between the fractional amount C of the card payment in 1 yen units and the valid record information of the card read by the card reader/writer 2 is compared. Accordingly, it is determined whether or not the effective recorded information of the card can be subtracted (step 512). As a result, in this case, the valid record information D of the card (5 yen in this case) is less than the fractional amount C for the card payment (8 yen in this case) (C≧D), and the fractional amount C for the card payment is less than the fractional amount C for the card payment. cannot be subtracted from the valid record information.

Therefore, the CPU 15 divides the change amount C (step 515) into the amount E that is actually payable to the customer 3, which is the cash payment amount, and the fractional amount C, in 1-yen units, for the card payment amount. is calculated, and the processing result is displayed on the display 12 (step 516).
). This calculation process is performed by the following calculation process.

Generally, since the data held in ECR is of integer type, calculations are performed accordingly.

Step 1 Divide the change amount C by -10 E-532 ÷
10-53 Step 2 Multiply the amount obtained in Step 1 by 10 53X10 = 530 Step 3 Subtract the amount E obtained in Step 2 from the change amount C - C - E = 532 - 530 = 2 In other words, the change amount is 532 yen is divided into the cash payment amount of 530 yen obtained in step 2 and the card payment amount of 2 yen in 1 yen units obtained in step 3, "Cash payment amount 530 yen Card payment amount 2 yen ” is displayed on the display 12.

Next, this cash settlement amount is stored in RAMI 3 (step 517), and settlement is then performed with customer 3. First, a cash payment process is executed, and the change amount C is displayed on the display 12. Next, the CPU 15 performs card payment processing by adding the fractional amount C for card payment to the card's valid record information (step 813), and then the card reader/writer 2 adds the card's valid record information. (Step 514), and the payment process ends. As a result, 530 yen in cash to customer 3.
yen is paid, and the valid record information of the card is changed to 7 yen (
= 5 + 2).

As described above, as the customer 3 purchases products and conducts transactions, the valid record information of the card is added or subtracted one after another, and the fractional amount of the card payment is displayed on the display 12 each time. will be displayed.

As described above, in the card system of this embodiment, for a fractional amount C in 1 yen digit units that occurs during a transaction between the customer 3 and the clerk 4, this fractional amount C and the card's valid record information are used. By comparing the size relationship with the card and adding or subtracting the fractional amount from the card's valid record information according to the card's valid record information, payments can be made using the card, so payments can be made in units of 1 yen. It is possible to completely eliminate cash transactions, and as a result, the following benefits can be obtained on the customer side, cash register side, and store side.

(1) From the customer's perspective, there is no need to prepare 1 yen coins in advance when going to the store, so (a) there is no need to prepare 1 yen coins in the wallet;
1 yen coins do not add bulk to your wallet, (b) it takes almost no effort to settle your account in 1 yen digits, and (c) it gives you a fashionable look when making a payment.The maximum amount based on the card's valid record information is set to a small amount in advance. (9 yen in this example), (d) Even if Customer 3 loses the card, the amount of damage can be kept to a level that is almost unnoticeable, increasing the safety of using the card. (2) From the cash register side, there are few types of change and 1 yen coins are not bulky.
(a) Card usage alone saves labor when settling accounts in 1-yen digits using cash, (b) Improves cash register turnover rate, and (3) From the store's perspective, there is no need to prepare 1-yen coins at all. Therefore, (a) time loss is eliminated, (b) personnel cost loss is eliminated, (C
(d) You can earn interest on card sales. (4) From other aspects, the card is used by adding and subtracting the card's valid record information, so the card frequency is There is no need to refill due to shortages, and one card can theoretically be used forever, making it possible to save labor at registers and accounting, and as a recent consumption tax countermeasure. It is extremely effective.

In the above embodiment, the fractional amount for card payment is 1.
Although we have described the case where fractional amounts are calculated in yen digits, the calculation process is not limited to this, and it is also possible to calculate fractional amounts in single 1 yen digits and 100 yen digits, and further, in some cases, in 1 yen digits.

Fractional amounts may be calculated in arbitrary digit units such as 10 yen digits and 100 yen digits. In other words, in this case, customer 3 not only has 1 yen coins but also 10 coins as change.
According to Customer 3's wishes, such as not needing yen coins or 100 yen coins (actually, the mode to that effect is specified for the card system), the fractional amount for card payment is calculated and processed. becomes possible.

Furthermore, in the above embodiment, a case is described in which the amount for cash payment and the fractional amount in 1 yen digits for card payment are calculated without taking into account the tax amount due to consumption tax in the final cumulative amount. However, this is not limited to this, and also applies to the case where the amount of cash payment and the fractional amount of 1 yen digit for card payment are calculated by taking into account the consumption tax amount in the final cumulative amount. The invention can be similarly applied.

Furthermore, in the above embodiment, for example, by providing an area for accumulating the customer's purchase amount in the recording area on the back of the card, it is also possible to provide a premium provision function according to the customer's cumulative purchase amount. .

[Effects of the Invention] As explained above, according to the present invention, fractional amounts in arbitrary digit units such as 1 yen digits that occur during transactions with customers are processed according to the card's valid record information. By adding or subtracting a fractional amount from the valid record information,
Since payments are made by card, it is possible to provide a card system that eliminates all cash transactions in units of arbitrary digits, such as 1 yen digits, thereby saving labor at registers and accounting.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing an embodiment of the card system according to the present invention, FIG. 2 is a conceptual diagram showing how the card system according to the present invention is used, and FIG. 3 is a flowchart for explaining the operation of the same embodiment. It is a diagram. 1...ECR, 11...Keyboard, 12...Display, 13...RAM, 14...ROM, 1
5...CPU. 6...Printer, writer

Claims (4)

[Claims] (1) In a card system that uses an electronic cash register that can perform both card payments and cash payments using a card in which valid record information is added or subtracted for each transaction with a customer, the individual item amount a single item price input means for inputting a single item price, a totalizing means for cumulatively adding up the registered price each time a single item is registered by the single item price inputting means, a display means for displaying at least the single item price, and a final cumulative total by the cumulative totaling means. Calculate the change amount based on the amount and the customer's actual payment amount, and calculate and process the cash payment amount and the fractional amount for the card payment regarding the transaction with the customer based on the change amount, and process the same. a calculation processing means for displaying the result on the display means; a card reading means for reading valid record information of the card for each cash payment process based on the amount of the cash payment; and a fractional amount for the card payment by the calculation processing means. and the valid recorded information of the card read out by the card reading means, and if the valid recorded information of the card is equal to or greater than the fractional amount of the card payment, the valid recorded information of the card is determined. The fractional amount of the card payment is deducted from the recorded information, and if the card's valid recorded information is less than the fractional amount of the card payment, the card payment is made by adding the fractional amount of the card payment to the card's valid recorded information. A card payment processing means for processing; and a card writing means for adding or subtracting the valid record information of the card based on the amount added or subtracted by the card payment processing means and writing the result to the card again. A card system characterized by: (2) The calculation processing means is characterized in that the amount of change is rounded up or divided, and the amount of change actually paid to the customer and the fractional amount of the card payment amount in arbitrary digits are calculated. The card system according to claim (1). (3) The calculation processing means calculates and processes fractional amounts for card payments in arbitrary digit units such as 1 yen digits, 1 yen digits and 10 yen digits. The card system according to claim (1). (4) Claim (1) characterized in that the maximum amount of valid recorded information recorded on the card is determined in advance.
The card system described in Section.