JPH036796A - Accounts settling system for cash register - Google Patents

Abstract

PURPOSE:To reduce the delivering/receiving changes of fractional coins and to efficiently and accurately execute accounts settling processing by paying the fractional amount of an amount to be paid by a prepaid card. CONSTITUTION:A prepaid card issuing machine 1 issues a prepaid card 2 recording a using balance to be used only for paying a fractional amount instead of cash or the like and a cash register 3 is provided with a function for setting up/storing the number of digits of the fractional amount or the upper limit value of the fractional amount to determine the fractional amount. The lower n digits of the amount to be paid are treated as the fractional amount, the balance of the prepaid card read out from a prepaid card reader/writer 4 is compared with the fractional amount, and when the fractional amount is less than the balance, the fractional amount is paid by the prepaid card 2. When the fractional amount is larger than the balance, a part of the fractional amount is paid by the balance and a lacking amount corresponding to a value obtained by subtracting the balance from the fractional amount is paid by another paying means or the balance of a newly inserted prepaid card. Consequently, the transfer of a fractional amount between a shop side and a customer can be reduced and the accounts settling processing can be rapidly and accurately executed.

Description

[Detailed description of the invention] [Industrial application field] The present invention relates to a payment system in a cash register.

[Conventional technology]

2. Description of the Related Art Conventionally, there have been cash registers that allow users to input and pay amounts for each payment method such as a credit card or cash. With the introduction of consumption tax, there will be an increase in the number of cases where payments are made with fractions of 1 yen. The related technology is JP-A-60-128.
There is No. 592.

[Problem to be solved by the invention]

However, handling small denomination coins such as 1 yen coins and 5 yen coins is troublesome for both consumers and retailers, but it is difficult to handle only fractional amounts using payment methods other than cash at conventional cash registers. requires complicated operations, such as the need to input additional information such as the payment amount and account number.

The present invention reduces the hassle of consumers always having coins to pay fractional amounts and retailers having to prepare a large number of small-denomination coins for cash, reduces the opportunities for giving and receiving small-denomination coins, and facilitates payment processing. The aim is to do it efficiently and accurately.

Furthermore, the number of fractional digits or the upper limit of fractional value can be set according to the price range of the products handled by the retailer, and if the balance on the prepaid card is less than the fractional amount, the shortfall can be further paid with another prepaid card. With the goal.

[111 Means for Solving Problem 1 To achieve the above object, 1 the system according to the present invention,
Prepaid card issuing machine and prepaid card reader/
It consists of a writer and a cash register having a function of storing the number of fractional digits or the upper limit value of fractions for determining the fractional amount.

[For production]

The prepaid card issuing machine issues a prepaid card specifically for paying fractions, which records the usage balance, in exchange for cash or the like. The cash register has the function of setting and storing the number of fractional digits or the upper limit value of fractions for determining the fractional amount.For example, when using the number of fractional digits, the number of stored digits is n digits. The last digit of the payment amount calculated by the cash register is treated as a fractional amount.The cash register compares the balance of the prepaid card for fractional payment read from the prepaid card reader/writer with the fractional amount, and calculates the fractional amount. If it is less than the balance, the prepaid card is used to pay, and the value obtained by subtracting the fractional amount from the balance is recorded on the prepaid card as a new balance. Then, the remaining amount after subtracting the fractional amount from the payment amount is displayed as a new billing amount, and the transaction process is completed by registering payment in cash or other means.

This makes it possible to avoid receiving or passing on fractional amounts between the retailer and the consumer. On the other hand, when comparing the balance of the prepaid card and the fractional amount, if the fractional amount exceeds the balance, it is assumed that the balance is paid with the prepaid card first, and the remaining amount is calculated by subtracting the balance from the payment amount. is displayed as a new billed amount, a new balance O is recorded on the prepaid card, and the prepaid card is ejected from the prepaid card reader/writer. Consumers can also pay the new bill with other payment methods, but the fractional amount is not yet O.

If this fractional amount is read into a prepaid card whose balance is not O by a prepaid card reader/writer, the above procedure is repeated and it becomes possible to pay the fractional amount with a plurality of prepaid cards.

〔Example〕

In FIG. 1, it is assumed that a prepaid card (2) issued by a prepaid card issuing machine (1) exclusively for fractional payment has a balance of 500 yen recorded. If the purchase is 980 yen, the amount to be paid will be 1009 yen as a result of the 3% consumption tax. At this time, assuming that one digit is set as the number of fractional digits in the cash register (3), the fractional amount in this transaction will be 9 yen, the last digit of the payment amount. After displaying the payment amount.

When the prepaid card is read by the prepaid card reader/writer (4), the cash register compares the balance of 500 yen on the prepaid card with the fractional amount of 9 yen, and since the fractional amount is less than the balance, it transfers 9 yen to the prepaid card. , and write 401 yen, which is obtained by subtracting 9 yen of the prepaid card usage amount from the old balance of 500 yen on the prepaid card, to the prepaid card as a new balance, and 100 yen.
1,000 yen, obtained by subtracting 9 yen from 9 yen, is displayed as a new billing amount, and the transaction process is completed by registering this 1,000 yen using another payment means such as cash.

Next, an example will be described in which the fractional amount exceeds the balance of the prepaid card. In the above example, if the balance on the prepaid card is 5 yen, the prepaid card usage amount is registered as 5 yen, 0F-1 is written as the new balance on the prepaid card, and then the prepaid card is discharged.

Then, 1004 yen, which is 5 yen subtracted from 1009 yen, is displayed as the new billed amount. At this time, the last digit of 4 yen becomes the new fractional amount. Now, if you load a new prepaid card with a recorded balance of 500 yen, 4 yen will be paid from the balance of 500, a new balance of 496 yen will be written to the prepaid card, and 4 yen will be subtracted from 1004 yen. 100
0 yen will be displayed again as the new bill amount. These 10
00 yen is registered using another payment method, and the transaction process is completed.

Further, in the above embodiment, the number of fractional digits is one digit.

At stores that handle high-priced products with price units of 1,000 yen or more, the number of fractional digits is set to 2 digits, so in the case of a 3% consumption tax, for example, for a purchase of 13,000 yen, the payment amount is 133 yen.
90 yen out of 90 yen is the fractional side, ]-00 yen less than 0
No need to handle small denomination coins.

〔Effect of the invention〕

According to the present invention, the frequency of handling small denomination coins is reduced, there is no need to prepare a large amount of change, and the trouble of accepting and handing over small denomination coins is alleviated, so that payment processing can be performed quickly and accurately.

[Brief explanation of the drawing]

FIG. 1 is a block diagram of an embodiment of the present invention, and FIG. 2 is an explanatory diagram showing a fractional amount payment processing procedure. 1... Prepaid card issuing machine, 2... Prepaid card, 3... Cash register, 4... Prepaid card reader/writer.

Claims (1)

[Claims] 1. Issuing a prepaid card exclusively for payment of fractional amounts, equipped with a prepaid card reader/writer and a function to memorize the number of fractional digits or the upper limit of fractional amounts, the payment amount calculated with the cash register or entered into the cash register. Compare the fractional amount determined from the number of fractional digits or the maximum fractional value and the payment amount with the balance of the prepaid card read by the prepaid card reader/writer, and if the fractional amount is less than the balance, pay with the prepaid card. If the fractional amount exceeds the balance, the system is characterized by paying with the balance and then subtracting the balance from the fractional amount and paying the shortfall from another payment method or the balance of a newly loaded prepaid card. A cash register payment system.