JP2004199108A - Cash voucher issuance and collection system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cash voucher issuance/settlement system for issuing merchandise coupons to a customer in conjunction with service points and for a merchandise seller having received cash vouchers to simply conducting charge settlement for the merchandise coupons at any time. <P>SOLUTION: A card for a consumer is stored with ID information for identifying the consumer while a card for a merchandise seller is stored with ID information for identifying the merchandise seller. A cash voucher issuance/collection device is equipped with a card reading means, a means for transmitting the ID information to a management server, a display means, an input means, a cash voucher conveying means, a means for transmitting issued cash voucher information to the management server, a voucher type differentiating means, a cash voucher sum total calculation means, and a means for transmitting sum total information to the management server. The management server is equipped with a point information database, a settlement value information database, a means for transmitting the number of points to the issuance/collection device, a point settlement means, and a cash voucher settlement value processing means. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
According to the present invention, a consumer card, a merchandise card, and a voucher issuance and collection device containing vouchers that can be issued are used to issue vouchers to consumers. The present invention relates to a voucher issuance and payment system for performing a payment process based on a received voucher instead of the voucher.
[0002]
Conventionally, as a customer service by a product seller who sells various products, a membership card is issued to the customer in advance, and a service point corresponding to the sales amount is given to the customer. Are used to provide customer services such as price discounts and various benefits. (For example, Patent Document 1, Patent Document 2)
In these customer services, the membership card system manages the addition and storage of service points for each customer and the usage status. Therefore, the cost of installing a card reader / writer at a member store that provides these services is high. There is a problem that, for a shopping street with many small shops, which is burdensome, it is difficult to introduce the shop because it is not profitable in terms of cost, and the pace of the entire shopping street is ununiform, making it difficult to activate.
[0003]
For this reason, in parallel with the service points in the membership card system, gift certificates that can be used in stores where card readers / writers are not installed are issued, etc., and the entire shopping district is activated to attract customers to the shopping district. However, the issue of how to issue gift certificates to customers and how to perform the payment process at the store that acquired those gift certificates instead of the price can be considered. There's a problem.
[0004]
[Patent Document 1]
JP 2000-99832A
[Patent Document 2]
JP-A-2002-09636
[0005]
[Problems to be solved by the invention]
The present invention has been made in view of the above-described problems, and an object of the present invention is to enable a gift certificate to be issued to a customer in conjunction with a service point, and to provide a gift certificate instead of a price. Provided is a cash voucher issuance and payment system that enables a merchandise seller at a store receiving such a gift voucher to easily perform a payment for a gift voucher at any time.
[0006]
[Means for Solving the Problems]
In order to achieve the above object, a cash voucher issuance and settlement system of the present invention includes a voucher issuance and collection device that stores a card for a consumer, a card for a merchandise seller, a voucher that can be issued, and the voucher issuance and collection. A voucher for issuing a voucher to a consumer by a management server communicably connected to the device via a communication network, and for performing a payment process based on a voucher received by a merchant instead of a price from a consumer. Wherein the consumer card stores ID information specifying a consumer, the merchandise seller card stores ID information specifying a merchandise seller, and the cash voucher. The issuance and collection device includes card reading means for reading ID information stored in the consumer card or the merchandise seller card, and the management server stores the ID information read by the card reading means. Transmitting means, display means for displaying issueable note information, input means for inputting note information that a consumer desires to issue, and a note entry / exit unit for issuing a note corresponding to the note information input by the input means. Means for conveying vouchers issued to consumers, means for transmitting information on vouchers issued to consumers to the management server, and vouchers inserted into the voucher issuance / recovery device to determine the amount of each voucher brought by the merchandise seller Ticket type identification means having a type discriminating function, a note total amount calculation means for calculating the total amount of the notes to be conveyed to the note storage section by the type identification means, and a total amount calculated by the note total amount calculation means Means for transmitting information to the management server, wherein the management server stores point information in which ID information specifying a consumer is associated with the number of points added according to the transaction amount. De A database, a payment amount information database in which ID information for specifying a merchandise seller and a payment amount are stored in association with each other, and the ID information for specifying a consumer received from the voucher issuance and collection device. Means for transmitting the number of points associated with and stored in the information database to the voucher issuing and collecting apparatus; and points registered in the point information database based on the issued voucher information received from the voucher issuing and collecting apparatus. Point settlement means for performing a number subtraction process; and ID information for specifying a merchandise seller in the settlement amount information database based on the ID information and total amount information specifying the merchandise seller received from the cash voucher issuance and collection device. Voucher settlement amount processing means for storing the total amount information in association with the total amount information.
[0007]
Further, in the cash voucher issuing and settlement system of the present invention, the management server has a function to determine the authenticity of the voucher.
[0008]
BEST MODE FOR CARRYING OUT THE INVENTION
FIG. 1 is a configuration diagram of a voucher issuing and settlement system according to an embodiment of the present invention, FIG. 2 is a system block diagram of a voucher issuing and settlement system according to an embodiment of the present invention, FIG. 3 is a plan view of the voucher, FIG. 4 is a plan view of the IC card, and FIGS. 5 and 6 are flowcharts showing a processing procedure of the cash voucher issuing and settlement system according to the embodiment of the present invention.
[0009]
First, the cash voucher issuance and settlement system according to the embodiment of the present invention issues a cash voucher 6 such as a gift voucher to a consumer 4 as a customer, and a merchandise seller 5 brings the voucher as shown in FIG. And a management server 3 communicably connected to the cash voucher issuance and collection device 1 via a communication network 2 to issue and collect cash vouchers. It is systemized so that processing can be performed centrally.
It is preferable that the voucher issuance / recovery device 1 be installed in a plurality of different places where the consumer 4 and the merchandise seller 5 can easily use, so that voucher processing can be easily performed.
For example, when the cash voucher issuance and collection device 1 is installed in a railway station yard, around a station, a station building, or the like, it is convenient and easy to use, so security is high and security is high, which is preferable.
[0010]
By registering in advance for the consumer 4 who uses this system, a consumer card 7 in which ID information for identifying the consumer is stored is issued. By using the consumer card 7, a voucher is issued.
In addition, the merchandise seller 5 also performs member registration in advance, so that a merchandise seller card 8 storing ID information for identifying the merchandise seller is issued. By using the business card 8, a cash voucher settlement process is performed.
An IC card 9 as shown in FIG. 4 is used as the consumer card 7 or the merchandise seller card 8.
[0011]
As shown in FIG. 1, the cash voucher issuance and collection device 1 includes a card access unit 23 for taking in and out the consumer card 7 or the merchandise seller card 8, a cash voucher access unit 24 for taking in and out the cash voucher 6, A voucher storage unit 19a for storing a voucher inside the voucher issuance / recovery device 1 and a voucher storage unit 19b for storing the recovered voucher inside the voucher issuance / recovery device 1 are provided.
[0012]
As shown in FIG. 2, a card reading means 9 for reading ID information stored in the storage means of the consumer card 7 or the merchandise seller card 8, a display means 10 for displaying issueable voucher information, An input unit 11 for inputting information of a voucher that a consumer desires to issue; a voucher corresponding to the voucher information input by the input means 11 to a voucher extracting unit; and a voucher 6 brought by a merchandise seller 5. Transport means 12 for transporting the bills to the inside of the voucher issuing and collecting apparatus 1, and a bill type identification function having a bill type discriminating function for determining the amount of each bill to be transported to the inside of the voucher issuing and collecting apparatus 1 by the bill transport means 12. Means 13, means for calculating the total amount of vouchers conveyed to the voucher storage unit by the amount identification means 13, means for calculating total amount of vouchers 14, communication means 15 for communicating with the management server 3 via the communication network 2, Control means 16, gold A characteristic reading means 25 is provided.
[0013]
The voucher characteristic reading means 25 is a means for reading a predetermined image for collation or the like in order to determine whether or not the voucher is genuine.
FIG. 3 shows a gift certificate as an example of the cash voucher 6, but the ticket type identification means 13 uses a design display 6a such as a picture or pattern displayed on the cash voucher 6 or a display of the ticket number 6b. The amount of the cash voucher 6 is determined.
[0014]
The communication means 15 for communicating with the management server 3 via the communication network 2 transmits the ID information read by the card reading means 9 to the management server 3 via the communication network, and issues the issued voucher information issued to the consumer. The total amount information calculated by the total amount calculation means 14 is transmitted to the management server 3.
[0015]
The management server 3 also includes a point information database 17, a settlement amount information database 18, a voucher characteristic information database 27, a communication unit 19 for communicating with the voucher issuance and collection device 1 via the communication network 2, a point settlement Means 20, a voucher settlement amount processing means 21, a control means 22, and a collation means 26 are provided.
In the point information database 17, in addition to the consumer's name, address, telephone number, etc., the information is stored in the storage means of the consumer card 7, and added to the ID information for identifying each consumer according to the transaction amount. The service points are stored in association with the number of service points.
In addition, in the settlement amount information database 18, in addition to the name, address, telephone number, etc. of the merchandise seller, ID information that is stored in the storage unit of the merchandise seller card 8 and specifies each merchandise seller, The payment amount to be paid to the merchandise seller based on the voucher collected from the seller is stored in association with the payment amount.
[0016]
In addition, the voucher characteristic information database 27 is a database in which information for verification for determining the authenticity of the voucher is registered in advance, and the verification means 26 is provided by the voucher characteristic reading means 25 of the voucher issuance and collection device 1. It has a function of collating the voucher characteristic information read and transmitted to the management server 3 with the voucher characteristic information registered in the voucher characteristic information database 27 to determine whether the voucher is authentic.
[0017]
The consumer inserts the consumer card 7 into the cash voucher issuance and collection device 1 and operates the same by himself / herself, so that the number of service points that the consumer already owns from the input means matches the desired number of points. Selection information for issuing a voucher based on the ticket type and the number of tickets is input. In the point settlement means 20 of the management server 3, based on the information on the issued vouchers received from the voucher issuance and collection device 1 via the communication network 2, It has a function of subtracting the point number corresponding to the voucher issued from the point number of the consumer registered in the information database 17 from the balance point number.
[0018]
In addition, the merchandise seller inserts the seller card 8 into the voucher issue and collection device 1 and operates the voucher issuance and collection device 1 by himself, so that the voucher to be settled is paid to the voucher issuance and collection device 1. The ID information specifying the merchandise seller and the total amount information of the collected vouchers are transmitted from the voucher issuing / collecting device 1 to the management server 3. The voucher settlement amount processing means 21 of the management server 3 receives the received information. It has a function of associating the ID information with the total amount information of the collected vouchers and storing them in the settlement amount information database 18.
[0019]
Next, a processing procedure of the cash voucher issuing and settlement system according to the embodiment of the present invention will be described based on the flowcharts of FIGS.
First, a description will be given of a processing procedure in the case where the consumer uses the consumer card 7 to issue a voucher from the balance point number of service points registered in the point information database 17.
First, by inserting the consumer card 7 from the card slot 23 of the cash voucher issuing and collecting apparatus 1, the card reading means 9 reads the ID information for specifying each consumer stored in the consumer card 7. . (Step S1)
[0020]
ID information is transmitted from the cash voucher issuance and collection device 1 to the management server 3 via the communication network 2. (Step S2)
The management server 3 extracts the number of points registered in the point information database 17 in association with the received ID information, and transmits the information on the number of points to the cash voucher issuing and collecting apparatus 1. (Step S3)
[0021]
Based on the number of points received from the management server 3, the voucher issuance and collection device 1 displays information such as the type and amount of vouchers that can be issued to the consumer on the display means 10.
(Step S4)
The consumer 4 inputs the information on the type of the voucher to be issued and information on the issuance of the voucher, such as the number of the vouchers, from the input means 11 of the voucher issuance and collection device 1. (Step S5)
If the inputted voucher issuance request information satisfies the conditions that can be issued, the desired voucher type and the required number of vouchers are transferred from the vouchers stored in the voucher storage unit 19a of the voucher issuance and collection device 1. It is conveyed by the means 12 to the cash vending unit 24. (Step S6)
As a result, the consumer can receive the cash voucher from the cash voucher slot 24.
[0022]
Further, the note issuance request information is transmitted from the note issuance and collection device 1 to the management server 3. (Step S7)
The management server 3 performs a subtraction process for the number of points corresponding to the received voucher issuance request information from the number of points registered in the point information database 17. (Step S8)
As described above, the processing for issuing the voucher to the consumer and the processing for subtracting the number of points for the issuance of the voucher are performed.
[0023]
Next, a processing procedure in the case where the merchandise seller uses the merchandise seller card 8 to settle the cash voucher obtained from the customer will be described with reference to FIG.
First, by inserting the merchandise seller's card 8 from the card slot 23 of the voucher issuance and collection device 1, the ID information for specifying each seller stored in the merchandise seller's card 8 by the card reading means 9 is obtained. Read. (Step S9)
[0024]
Further, the merchandise seller sets a cash voucher to be settled in the cash voucher insertion / reception section 24 of the cash voucher issuance / recovery device 1, and the cash voucher transfer means 12 conveys the cash voucher into the device. (Step S10)
Next, the conveyed bills are identified by the bill type identifying means 13, and the total bill amount of all the bills to be conveyed is calculated by the bill total amount calculating means 14. (Step S11)
[0025]
Then, the ID information read by the card reading means 9 and the total of the vouchers calculated by the voucher total amount calculation means 14 are transmitted from the communication means 15 of the voucher issuance and collection device 1 to the management server 3 via the communication network 2. The amount information is transmitted. (Step S12)
The management server 3 receiving these information registers the total amount information of the voucher in the settlement amount information database 18 in association with the ID information. (Step S13)
[0026]
In addition, the total amount information of the vouchers registered in the settlement amount information database 18 is added to the balance, if any, and registered. Also, on a predetermined date such as the end of the month, the total amount information of the vouchers registered in the settlement amount information database 18 is stored. Based on the total amount information, a payment processing request is made to the computer of the financial institution for the account of the merchandise seller, thereby performing the settlement.
By the above processing, the merchandise seller can always perform the settlement processing of the voucher using the nearest voucher issuance / recovery device 1 at a convenient time.
[0027]
In the cash voucher issuing and settlement system of the present invention, as one of the settlement methods, cash is stored in the cash voucher issuance and collection device 1 and cash corresponding to the cash voucher collected on the spot is transferred to the merchandise seller. You may do so.
In addition, by providing a function as a so-called kiosk terminal to the cash voucher issuance and collection device 1, various types of information may be provided.
[0028]
【The invention's effect】
As described above, the cash voucher issuance and settlement system of the present invention can issue a voucher such as a gift certificate in conjunction with a service point to a customer who is a consumer. There is an effect that the merchandise seller at the store that receives these gift certificates can easily perform the payment settlement processing of the gift certificates at any time.
[Brief description of the drawings]
FIG. 1 is a configuration diagram of a voucher issuing and settlement system according to an embodiment of the present invention.
FIG. 2 is a system block diagram of a cash voucher issuing and settlement system according to an embodiment of the present invention.
FIG. 3 is a plan view of a cash voucher.
FIG. 4 is a plan view of the IC card.
FIG. 5 is a flowchart showing a processing procedure of a cash voucher issuance and settlement system according to the embodiment of the present invention.
FIG. 6 is a flowchart showing a processing procedure of a cash voucher issuance and settlement system according to the embodiment of the present invention.
[Explanation of symbols]
REFERENCE SIGNS LIST 1 voucher issuing and collecting device 2 communication network 3 management server 4 consumer 5 merchandise seller 6 voucher 7 consumer card 8 merchandise card 9 card reading means 10 display means 11 input means 12 voucher transport means 13 voucher identification means 14 Cash voucher total amount calculation means 15, 19 Communication means 16, 22 Control means 17 Point information data database 18 Settlement price information data database 19a, 19b Cash voucher storage unit 20 Point calculation means 21 Cash voucher payment amount processing means 23 Card entry / exit section 24 Cash in / out Unit 25 banknote characteristics reading unit 26 collation unit 27 banknote characteristics information database

Claims (2)

A consumer card, a merchandise card, a voucher issuance and collection device containing vouchers that can be issued, and a management server communicably connected to the voucher issuance and collection device via a communication network. A voucher issuance and payment system that performs a voucher issuance process on the voucher, and also performs a payment process on the voucher received by the product seller instead of the price from the consumer,
The consumer card stores ID information for identifying a consumer,
The merchandise seller card stores ID information for identifying the merchandise seller,
The voucher issuance and collection device includes: card reading means for reading ID information stored in the consumer card or the merchandise seller card; and means for transmitting the ID information read by the card reading means to the management server. Display means for displaying issuable money voucher information; input means for inputting the voucher information that the consumer desires to issue; and transporting the voucher corresponding to the voucher information input by the input means to the cash voucher input / output unit. A voucher transporting means, a means for transmitting issued voucher information issued to a consumer to the management server, and a ticket type discriminating function inserted into the voucher issuance / recovery device to determine the amount of each voucher brought by the merchandise seller A bill type identifying means having: a bill total amount calculating means for calculating a total amount of the bills conveyed to the bill storage unit by the bill type identifying means; and a total amount information calculated by the bill total amount calculating means. Means for transmitting to said management server, is provided,
The management server has a point information database in which ID information for specifying the consumer and the number of points added according to the transaction amount are stored in association with each other. Based on the settlement amount information database stored in association with the ID information identifying the consumer received from the cash voucher issuance and collection device, the number of points stored in the point information database is stored in the point information database. Means for transmitting to the voucher issue and collection device; point settlement means for performing subtraction processing of the number of points registered in the point information database based on the issuance voucher information received from the voucher issuance and collection device; Based on the ID information specifying the merchandise seller and the total amount information received from the device, the settlement amount information database is used. Vouchers issued recovery system characterized in that it comprises a cash voucher transaction amount processing means for storing in association with the ID information and the total amount information for identifying the product seller to. 2. The system according to claim 1, wherein the management server has a function of determining the authenticity of the voucher.

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