JPH02267691A - Cash paying method using card and device used in the same - Google Patents

Abstract

PURPOSE:To eliminate the trouble of the delivery and receipt of change at a counter by storing an amount less than a constant unit amount in a change magnetic card or a change area provided at a magnetic card, and adjusting only a change amount exceeding the constant unit amount when a total amount exceeds the constant unit amount. CONSTITUTION:The above device is equipped with a terminal part to which the change magnetic card is inserted, a change arithmetic means which can perform calculation between the amount of goods and the amount delivered from a customer, and a change storage means to store the change amount less than the constant unit amount in the change magnetic card or a change storage area in the magnetic card. When the total amount of the change stored in the change storage area exceeds the constant unit amount, only the change amount exceeding the constant unit amount in which the change amount less than the constant unit amount is subtracted from the total amount of the change is adjusted. In such a way, it is possible to eliminate the trouble of the delivery of the change between a clerk, etc., and the customer at the counter.

Description

[Detailed Description of the Invention] (Industrial Application Field) The present invention relates to a cash payment method using a card and a device used in the method. For example, by storing an amount less than a certain unit amount in small units such as less than 10 yen in a change magnetic card or a change area provided on the magnetic card, you can store an amount less than a certain unit amount that becomes bulky in the coin purse. A cash payment method using a card and its use that eliminates the need to carry it around and eliminates the hassle of handing over and receiving change of small amounts less than a certain unit amount at stores, etc. The purpose is to provide equipment.

(Prior art) In general, when a customer purchases a product at a store such as a store, when the final price of the product is small, the customer does not have a small amount of money on hand, but instead transfers money over a certain unit amount to the store. When the item is handed over to a store clerk, etc., the store clerk subtracts the amount of the product from the amount of money handed over, and hands the difference in change to the customer.

(Problem to be Solved by the Invention) However, the exchange of small amounts of change between a store clerk and a customer takes time and is always accompanied by trouble. Also,
When a customer receives a small amount of change and carries the change in a coin purse, the larger the amount of change in the coin purse, the more space it takes up in the pocket or handbag, making it difficult to carry. There were problems such as inconvenience.

In addition, due to the consumption tax implemented from April 1, 1999, a 3% tax will be levied on all consumption. The amount was added to the amount and the customer paid that amount. Therefore, for example, if a product costs 200 yen, a consumption tax of 6 yen will be added, and if a customer hands over 300 yen to a store clerk, the clerk will pay the customer 94 yen in change.

For this reason, the customer has to pick up change containing at least four pieces of Ichi-Osui coins, which takes up space in the coin purse and expands the coin purse, making it heavier. Further, problems arise in that it is troublesome to exchange change between store staff and customers.

Therefore, in view of the above-mentioned conventional situation, the inventors have proposed that it is possible to store an amount of change less than a certain unit amount in the change storage area of a magnetic card or in a change magnetic card, and that the stored amount can be When the amount exceeds a certain unit amount, the customer is paid only the amount of change that exceeds this certain unit amount, and the customer does not have to carry small change units that increase in bulk, and the change related to change is delivered. We have continued our intensive research into a cash payment method using a card that can eliminate the hassle of cash payments, and the equipment used in that method.

(Means for Solving the Problems) The present invention provides a method in which, when cash or a magnetic card substituted for cash is used, a change recording means stores change in a fixed unit in a change storage area in the magnetic card or the magnetic card. The system memorizes the amount of change that is less than the specified amount, and when the total amount of change reaches a certain unit amount or more, only the amount of change that is less than a certain unit amount is settled by subtracting the amount of change that is less than a certain unit amount from the total amount of change. This is a characteristic feature.

Further, when using cash or a magnetic card in place of cash, the present invention is provided with a change storage means for storing a change amount less than a certain unit amount in a change magnetic card or a change storage area in the magnetic card.

By providing a cash payment method using the above-mentioned card and a device used in the method, the inventors have succeeded in creating a method and device that solve all of the above-mentioned conventional problems.

(Example) Hereinafter, an example of the method and apparatus according to the present invention will be described in Figs.
This will be explained based on FIG.

In the drawings, (1) is the main body of the device used for the cash payment method using a card according to the present invention, (1)
2) is an auxiliary calculation means connected to this device main body (1).

This device body (1) has a change magnetic card (K) inside it.
) is inserted into the terminal unit Ql), and change calculation means (]3 that can calculate the difference between the amount of the product and the amount handed over by the customer.
and a change storage means qz for storing a change amount less than a certain unit amount in a change magnetic card (K) or a change storage area in the magnetic card.

When a customer purchases, for example, a 993 yen item at a store, etc., he/she hands over a 1,000 yen bill to a clerk at the store, and the clerk issues the 1,000 yen bill to Torikyo at the store, and the store issues the bill instead. Insert the change magnetic card (K) into the device body (
1) Insert into the insertion slot (lla) of the terminal αD and input the amount by hitting one key for 7 yen.

Then, the change storage means QZ built in the device body (1)
This amount of 7 yen is stored in the change magnetic card (K) by I.

Thereafter, the clerk or the like hands the change magnetic card (K) to the customer, who takes it and keeps it.

After the customer has made several purchases at this store, etc. and repeated the above process several times, when the amount stored on the change magnetic card (K) exceeds a certain unit amount of 10 yen or 100 yen. Then, the clerk of the store, etc. confirms this and gives the customer only an amount of 10 yen or 100 yen of the total amount of change, and in return, only the fixed amount given to the customer is given as change. Erase from the magnetic card (K).

After erasing, the above process can be repeated again, and this change magnetic card (K) can be used many times.

Next, the process of using the change magnetic card (K) by this device will be explained with reference to the flowchart shown in FIG.

First, when a customer goes to a store and purchases a desired product, he or she buys the product and a certain amount of money (for example, 1,000 yen).
(Yen bill) Hand it to the store clerk at the store.

The clerk or the like calculates the amount of the product (for example, 983 yen) from the amount of money exceeding the certain unit amount by pressing the key (14a) of the calculation means (not shown) built in the device body (1). Calculate the change (Step 1).

Next, it is checked whether the amount of change less than a certain unit amount (for example, less than 10 yen) is displayed on the display section (Is) of the device main body (1) (step 2).

If the amount of change that is less than a certain unit amount is not displayed on the display section (15), change that is more than the certain amount is given to the customer without using the magnetic change card (K) (step 3).

In this case, the amount of change (7 yen) that is less than a certain unit amount will be displayed, so insert the change magnetic card (K) issued by the store etc. into the insertion slot (lla) of the terminal section (11) of the device body (1). (Step 4).

Then, in this state, the terminal section α is connected automatically or by having the store clerk or the like press the memory key.
) has a built-in change storage means α2 to store change magnetic card (K
) is stored with the amount of change (7 yen) that is less than the certain unit amount (step 5).

Next, the clerk or the like hands over a certain amount of change (10 yen) to the customer (step 6).

When a customer purchases products from the store, etc. several times as described above, the customer inserts the change magnetic card (K) into the terminal section (111) of the device main body (1), presses the settlement key, and then presses the payment key.
1 displays the total amount stored in the change magnetic card (K), and if this amount exceeds a certain amount (for example, 10 yen or 1
00 yen or more) (step 7).

If this amount does not reach a certain unit amount or more, the process returns to the start again.

On the other hand, if this amount reaches a certain unit amount or more (for example, 153 yen), the clerk etc. 150 yen or 100 yen) is given to the customer and the amount is erased from the memory of the change magnetic card (K) (step 8).

Then, you can return to the start again and repeat the above process any number of times.

Further, in the above embodiment, an example was described in which a magnetic change card was used, but the present invention is not limited to this.
A change storage area may be provided in the change storage area (for which an amount of 0 yen is stored), and a change amount less than a certain amount may be stored in this change storage area.

The main body of the apparatus according to the present invention is not limited to the shape of the above-described embodiment shown in FIG. 1, but may have other shapes.

(Effects of the Invention) As a method, when using cash or a magnetic card in place of cash, the change recording means stores a change amount less than a certain unit amount on the change magnetic card or a change storage area in the magnetic card. is stored, and when the total amount of change reaches a certain unit amount or more, the change amount less than a certain unit amount is deducted from the total amount of change, and only the change that is more than a certain unit amount is settled. The device also includes change storage means for storing a change amount less than a certain unit amount in a change magnetic card or a change storage area in the magnetic card when cash or a magnetic card substituted for cash is used. Because of this, the following effects can be achieved.

That is, by storing the amount of change that is less than a certain unit amount in small units, such as less than 10 yen, in the change magnetic card or the change area provided on the magnetic card, out of the change when purchasing a product at a store etc. To eliminate the need to carry amounts of money less than a certain amount that increase in bulk in a coin purse, and to eliminate the trouble of receiving and receiving small amounts of change less than a certain amount at stores, etc. I can do it.

[Brief explanation of drawings]

FIG. 1 is a perspective view showing the external appearance of one embodiment of the device according to the present invention, FIG. 2 is an explanatory diagram showing the relationship between each means built into the main body of the device and the change magnetic card, and FIG. 3 is a flowchart showing the process of using the change magnetic card. (K)... Change magnetic card O3... Change storage means

Claims (2)

[Claims] (1) When using cash or a magnetic card in place of cash, the change recording means stores a change amount less than a certain unit amount in the change magnetic card or the change storage area in the magnetic card, and the total amount of change is kept constant. This cash payment method using a card is characterized in that when the unit amount or more is reached, only the change amount that is equal to or more than a certain unit amount is settled by subtracting the change amount that is less than the certain unit amount from the total amount of change. (2) When using cash or a magnetic card in place of cash, the magnetic change card or the change storage area in the magnetic card is equipped with a change storage means for storing a change amount less than a certain unit amount. A device used for cash payment methods using cards.