JP2006048136A - Merchandise sales data processor, program and merchandise sales data processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To discover a fraudulent card by using the balance of a prepaid card by simple configurations. <P>SOLUTION: The post-transaction balance of the electronic money of a prepaid card used for transaction is successively stored so as to be associated with the unique identification data of a prepaid card C in the storage part of a merchandise sales data processor (steps S11, S16). When the unique identification data of the prepaid card C to be used for transaction are stored in a storage part, and the balance of the electronic money stored in the prepaid card C is larger than the balance of the electronic money stored in the storage part so as to be associated with the unique identification data, it is determined that the prepaid card is a fraudulent card (a step S5). Thus, it is possible to discover the fraudulent card by using the balance of the prepaid card in the merchandise sales data processor without making any inquiry to the host device of headquarters in a conventional manner. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a merchandise sales data processing apparatus, a program, and a merchandise sales data processing method.

  Today, as an alternative to cash settlement, electronic settlement using electronic money stored in a prepaid card and having a monetary value equivalent to cash is widespread. With the spread of such electronic money payments, the damage caused by unauthorized payments by unauthorized prepaid cards has also become a problem.

  As the illegal prepaid card, there is a so-called dead copy card in which a regular prepaid card is copied as it is. Measures against such a dead copy card are performed as follows. For example, at the headquarters of a store chain that has multiple stores, a large number of dead copy cards are available at the same time, and multiple prepaid cards with the same identification data such as serial numbers are used at the same time, so you notice abnormalities The prepaid card is determined to be an unauthorized card. Then, the prepaid card identification data is registered in an unauthorized card file, and the unauthorized card file is distributed to a merchandise sales data processing apparatus such as a POS terminal at each store. When a prepaid card is used, a so-called negative check is performed to determine whether the prepaid card to be used is registered in the fraudulent card file. To do.

Japanese Patent No. 3130473

  However, such a negative check has a problem that it does not function effectively for an unauthorized card used before being registered in the unauthorized card file.

  In Patent Document 1, a balance, which is card fluctuation information, is recorded on a magnetic disk of a host device in association with unique information such as an ID code, and the unique information and balance recorded on the card before the transaction is performed. Is read with the reading head of the terminal, and the balance read is compared with the balance of the card recorded on the magnetic disk of the host device, and the transaction is permitted only when both balances match. Techniques to do this are disclosed.

  By the way, in recent years, prepaid cards manufactured by a prepaid card manufacturing company can be used in common at various stores with different management and can be used nationwide. Therefore, it is possible to use one prepaid card continuously in two stores with different management.

  In such a situation, in order to be able to adopt the technology of Patent Document 1, the terminals of stores nationwide are connected to one host device provided at the headquarters, and the magnetic disk of the host device is used nationwide. A storage capacity is provided for storing the unique information and balance of the prepaid card C. However, the technique disclosed in Patent Document 1 has a problem in that when each terminal and the host device are offline, it becomes impossible to make a payment by a card at each terminal.

  In order to prevent this, for example, it may be possible to download the balance information of the card stored in the magnetic disk of the host device to each terminal, but the amount of data is enormous and the card at some store Each time it is used, it must be downloaded to terminals nationwide in real time. To achieve this, the communication system of the host device is complicated and the storage device of each terminal is enlarged, resulting in a system configuration. Because it becomes complicated, it is not realistic. Also, in this case, if a card is used and the information is downloaded to each terminal until the card is used, it will be checked against the pre-update data. There is a problem that it ends up.

  An object of the present invention is to make it possible to find an unauthorized card using a balance of a prepaid card with a simple configuration.

  The merchandise sales data processing apparatus of the present invention includes a storage unit that stores a balance of electronic money stored in a prepaid card that is not replenished in association with unique identification data unique to each prepaid card for identifying the prepaid card; A first acquisition unit for acquiring the balance of the electronic money stored in the prepaid card and the unique identification data, and the unique identification data acquired by the first acquisition unit is in the storage unit, The prepaid card is illegal when the balance of the electronic money acquired by the first acquisition means is greater than the balance of the electronic money stored in the storage unit in association with the unique identification data. A first determination means for executing determination processing for determining that the card is a card, and if the prepaid card is an unauthorized card, A non-permission means that does not allow a payment process using a repaid card; and in the payment process, the payment process based on the balance of the electronic money and the payment target amount acquired by the first acquisition means. Balance storage means for determining a balance after use of electronic money, and the storage section in association with the electronic money balance determined by the balance determination means in association with the unique identification data acquired by the first acquisition means And a storage means for storing the data.

  The program of the present invention includes a first acquisition function for acquiring a balance of electronic money stored in a prepaid card and the unique identification data unique to each prepaid card for identifying the prepaid card, and the prepaid The storage unit for storing the balance of the electronic money stored in the card in association with the unique identification data includes the unique identification data acquired by the first acquisition function, and associates the balance with the unique identification data. A determination process for determining that the prepaid card is an unauthorized card when the balance of the electronic money acquired by the first acquisition function is larger than the balance of the electronic money stored in the storage unit. If the prepaid card is an unauthorized card and the first determination function to be executed, the prepaid card is used A non-permitted function that does not allow a payment process, and a balance after the use of the electronic money by the payment process based on the balance of the electronic money acquired by the first acquisition function and the payment target amount in the payment process A storage function for storing the electronic money balance determined by the balance determination function in the storage unit in association with the unique identification data acquired by the first acquisition function; Is executed by a computer.

  The merchandise sales data processing method of the present invention obtains the balance of the electronic money stored in the prepaid card that cannot be replenished and the unique identification data unique to each prepaid card for identifying the prepaid card. There is the unique identification data acquired by the first acquisition step in a storage unit that stores the electronic money balance stored in the prepaid card in association with the unique identification data, and the unique identification data If the balance of the electronic money acquired by the first acquisition step is larger than the balance of the electronic money stored in the storage unit in association with the prepaid card is an unauthorized card A first determination step for executing a determination process, and when the prepaid card is an unauthorized card A non-permission step that does not permit a payment process using the prepaid card; and in the payment process, the payment process based on the balance of the electronic money acquired by the first acquisition step and the payment target amount A balance obtaining step for obtaining a balance after use of electronic money, and a balance of the electronic money obtained by the balance obtaining step in association with the unique identification data obtained by the first obtaining step. And a storing step for storing the data in the memory.

  According to the present invention, a fraudulent card can be found with a simple configuration using a prepaid card balance.

  An embodiment of the present invention will be described with reference to the drawings.

  FIG. 1 is a system configuration diagram schematically showing the overall configuration of a store system. As shown in FIG. 1, a store system 1 provided in a store generally includes a POS terminal 2 that is a plurality of product sales data processing devices, and a card reader / writer 3 connected to each of the POS terminals 2. And a store computer 5 connected to the POS terminal 2 via the LAN 4.

  FIG. 2 is an external perspective view schematically showing the POS terminal 2 and the card reader / writer 3. As shown in FIG. 2, the POS terminal 2 is disposed at a checkout location of the store and performs product sales data processing, and is placed on the drawer 12. A keyboard 13 and a receipt issuing port 11 a are provided on the upper surface side of the main body 11 of the POS terminal 2. On the back side of the main body 11, a cashier indicator 14 and a customer indicator 15 are provided. The POS terminal 2 is connected to a barcode scanner 16 and a card reader / writer 3 for optically reading a product code.

  The keyboard 13 is provided with a numeric key, a closing key, various settlement keys and the like for inputting an amount, a sales quantity, and the like. As a settlement key, an electronic money key for declaring settlement by electronic money stored in the prepaid card C, a cash key as a settlement key for declaring settlement by cash, a credit key for declaring settlement by credit Etc. are provided.

  FIG. 3 is a block diagram showing the electrical system of the POS terminal 2. As shown in FIG. 3, the POS terminal 2 has a CPU (Central Processing Unit) that centrally controls each unit, a ROM (Read Only Memory) that stores fixed data such as a computer program in advance, and various data can be rewritten. It has a POS control unit 17 composed of a RAM (Random Access Memory) or the like for storing. A communication interface 20 is connected to the POS control unit 17 via a bus 19. A card reader / writer 3 and a LAN 4 are connected to the communication interface 20, thereby enabling communication between the POS terminal 2, the card reader / writer 3 and the store computer 5.

  The POS control unit 17 includes a printer 22 and a hard disk drive device serving as a storage unit together with the keyboard 13, the display units 14 and 15, and the barcode scanner 16 via the bus 19 and the I / O device control unit 21. (HDD) 18 is connected. The printer 22 is a receipt / journal printer built in the main body 11 of the POS terminal 2 and issues a receipt from the receipt issuing port 11a in transaction units in accordance with merchandise sales data processing, and simultaneously prints on journal paper. Etc.

  The hard disk drive (HDD) 18 stores a product program master file F1, a POS sales file F2, a card use history file F3, a prepaid negative table T1, and the like in addition to a computer program for operating the CPU of the POS control unit 17. . The product master file F1 stores product names and unit prices in association with product codes. The POS sales file F2 stores sales data in the POS terminal 2.

  FIG. 4 is an explanatory diagram schematically showing the card use history file F3. The card usage history file F3 is a file for storing the usage history of the prepaid card C used in the transaction. In the card usage history file F3, as shown in FIG. 4, for each card number (serial number) of the used prepaid card C, the balance of the prepaid card C and the transaction date and time corresponding to this card number are stored. Here, the card number is unique identification data set uniquely for each prepaid card C in order to identify the prepaid card C. In this card usage history file F3, a prescribed number (for example, 50) of card usage histories can be registered. When the number of registrations exceeds the prescribed number, the data with the oldest transaction date and time is deleted, and new data Is registered.

  FIG. 5 is an explanatory diagram schematically showing the prepaid negative table T1. The prepaid negative table T1 stores unauthorized card identification data for identifying an unauthorized card that is an unauthorized prepaid card C. The fraudulent card identification data includes a card issuer ID indicating the issuer of the prepaid card C, a ticket type code indicating the amount of electronic money at the time of issue of the prepaid card C, an issue classification of the prepaid card C, an issue date of the prepaid card C Date, issued store number indicating the store where the prepaid card C was issued, card number, and the like. As shown in FIG. 5, the prepaid negative table T1 stores, for each check number, a card issuer ID area 23a for storing a card issuer ID, a ticket type code area 23b for storing a ticket type code, and an issue classification. Issue classification area 23c, issue date area 23d for storing the issue date, issue store number area 23e for storing the issue store number, start card number area 23f for storing the first card number in the range of card numbers, card number An end card number area 23g for storing the last card number in the range is provided.

  The computer program stored in the hard disk drive (HDD) 18 is written into the RAM of the POS control unit 17 together with the product master file F1 and the like when the POS terminal 2 is started up. It becomes possible.

  As shown in FIG. 2, the housing 31 of the card reader / writer 3 has a keyboard 32 formed by collecting various keys, a display 33 for displaying various information, and a reader / writer described later built in the housing 31. A card insertion slot 35 that allows the prepaid card C to be inserted into and removed from the unit 34 is provided.

  FIG. 6 is a block diagram showing an electrical system of the card reader / writer 3. As shown in FIG. 6, the card reader / writer 3 is a CPU (Central Processing Unit) that centrally controls each unit, a ROM (Read Only Memory) that stores fixed data such as computer programs in advance, and various data can be rewritten. The reader / writer control unit 41 is configured by a RAM (Random Access Memory) or the like stored in the memory. A communication interface 42 that controls communication with the POS terminal 2 is connected to the reader / writer control unit 41 via a bus 43. A reader / writer unit 34 is connected to the reader / writer control unit 41 through the bus 43 and the I / O device control unit 44 together with the keyboard 32 and the display device 33 described above. The reader / writer unit 34 reads and writes electronic money and various data stored in the prepaid card C, which is a magnetic card.

  Here, the prepaid card C from / to which data is read / written by the card reader / writer 3 will be described. The prepaid card C is a magnetic card and stores card data in a magnetic storage unit (not shown). The card data includes variable data with variable data and fixed data with fixed data. The variable data includes electronic money. Electronic money is money amount data having a value equivalent to money, and when used, the money is subtracted and the balance is reduced. This prepaid card C is a prepaid card that cannot be replenished with electronic money after it is issued. The fixed data includes the above-described card issuer ID, ticket type code, issue classification, issue date, issue store number, card number, and the like. These card issuer ID, ticket type code, issue classification, issue date, issue store number, and card number are identification data for identifying the prepaid card C.

  FIG. 7 is a block diagram showing an electrical system of the store computer 5. The store computer 5 is responsible for controlling the entire store system 1. The store computer 5 has a store control unit 51 including a CPU, a ROM, a RAM, and the like, and communicates with a plurality of POS terminals 2 via a LAN 4 from a communication interface 53 connected via a bus 52. It is comprised so that online communication can be performed mutually. In addition, the communication interface 53 is configured to perform online communication with a host computer (not shown) at the distribution chain headquarters via a communication network (not shown). Further, a keyboard 55, a display 56, a printer 57, and a hard disk drive device (HDD) 58 as a storage device are connected to the store control unit 51 via a bus 52 and an I / O device control unit 54.

  The hard disk drive (HDD) 58 stores a product program master file F11, a store sales file F12, a prepaid negative table T11, and the like in addition to a computer program for operating the CPU of the store control unit 51. The product master file F11 stores product names and unit prices in association with product codes. The store sales file F12 stores sales data transmitted from each POS terminal 2 and store sales data obtained by tabulating sales data transmitted from each POS terminal 2. The prepaid negative table T11 stores illegal card identification data. The product master file F11 and the prepaid negative table T11 are downloaded to the POS terminal 2 and stored in the hard disk drive (HDD) 18 of the POS terminal 2 as the product master file F1 and the prepaid negative table T1.

  The computer program stored in the hard disk drive (HDD) 24 is written in the RAM together with the product master file F11 and the like when the store computer 5 is started up, thereby enabling the store control unit 51 to drive and calculate each part. .

  FIG. 8 is a flowchart showing the flow of merchandise sales data processing executed by the POS control unit 17 of the POS terminal 2 in accordance with the computer program.

  In the merchandise sales data processing, first, it waits for the reading of the merchandise code with the barcode scanner 16 for the sales merchandise, the input of the merchandise code with the numeric keys of the keyboard 13, and the input of the sales quantity with the numeric keys of the keyboard 13 ( Step S1).

  If it is determined that there is an input of reading of a product code as product information by the barcode scanner 16 and an input of the number of sales by key input of the keyboard 13 (Y in step S1), sales processing is executed (step S2). In this sales process, sales data based on the product name and unit price obtained by searching the product master file F1 based on the input product code is stored in the RAM of the POS control unit 17, and the transaction such as the unit price is stored. The information is displayed on the display units 14 and 15. In addition, the total sales amount based on the sales data so far is calculated, stored in the RAM of the POS control unit 17 and displayed on the display units 14 and 15.

  The processes in steps S1 and S2 are performed until a payment method is selected, specifically, until it is determined that the electronic money key of the keyboard 13 is operated and electronic money is declared (Y in step S3), or The process is repeated until it is determined that a payment key other than the electronic money key such as a cash key or a credit key is operated and a payment other than the electronic money such as cash is declared (Y in step S17).

  If the electronic money key is not pressed (N in step S3) and a payment key other than the electronic money key such as a cash key or a credit key is pressed (Y in step S17), the electronic money key depends on the pressed payment key. Payment processing other than electronic money payment such as cash payment processing and credit payment processing is executed (step S18).

  On the other hand, when the electronic money key is pressed (Y in step S3), card data is acquired from the prepaid card C using the card reader / writer 3 (step S4: first and second acquisition means, first And second acquisition function, first and second acquisition steps). Specifically, a card data request message is transmitted to the card reader / writer 3. The card reader / writer 3 that has received this card data request message allows the prepaid card C to be inserted from the card insertion slot 35 and waits until the prepaid card C is inserted. When the prepaid card C is inserted from the card insertion slot 35 by the cashier, the card data stored in the prepaid card C is read by the operation of the reader / writer unit 34, and the read card data is transmitted to the POS terminal 2. . The POS terminal that has received the card data from the card reader / writer 3 stores the card data in the RAM of the POS control unit 17.

  Next, as a determination process for determining the authenticity of the prepaid card C read by the card reader / writer 3, the POS control unit 17 first executes a balance check process of electronic money stored in the prepaid card C ( Step S5: first determination means, first determination function, first determination step). In the balance check process, first, it is searched whether or not the same card number as the card number of the prepaid card C acquired in step S4 and stored in the RAM of the POS control unit 17 is registered in the card use history file F3. If the card number is not registered in the card usage history file F3, the prepaid card C is not determined to be an unauthorized card. When the card number is registered in the card usage history file F3, the balance of electronic money stored in the card usage history file F3 corresponding to the card number is read and acquired. Then, the balance acquired from the card usage history file F3 is compared with the balance of the electronic money of the prepaid card C acquired in step S4 and stored in the RAM of the POS control unit 17. Here, since the prepaid card cannot be replenished with electronic money, the balance does not increase. Therefore, if the prepaid card C is a regular prepaid card, the balance of the electronic money of the prepaid card C acquired in step S4 and stored in the RAM of the POS control unit 17 is acquired from the card usage history file F3. Below the balance. Therefore, in this case, the prepaid card C is not determined to be an unauthorized card. On the other hand, when the balance of the electronic money of the prepaid card C acquired in step S4 and stored in the RAM of the POS control unit 17 is larger than the balance acquired from the card usage history file F3, the prepaid card C is deleted. Since the prepaid card C is an unauthorized prepaid card C whose copy card or balance has been tampered with, it is determined that the prepaid card C is an unauthorized card.

  If it is determined in step S5 that the prepaid card C is an unauthorized card (Y in step S6), the process proceeds to step S13 and error processing is executed. This error processing will be described later.

On the other hand, if it is not determined in step S5 that the card is an unauthorized card (N in step S6), a negative check is performed as a further process for determining the authenticity of the prepaid card C (step S7: second determination). Means, second determination function, second determination step). The negative check is performed by the following three checks using the identification data among the card data of the prepaid card C stored in the RAM of the POS control unit 17.
(1) Among the identification data of the prepaid card C, the card issuer ID, the ticket type code, and the issue classification are handled as a set of check data, and it is checked whether or not this check data is registered in the prepaid negative table T1. That is, in the prepaid negative table T1, it is checked whether or not there is a check number in which the same prepaid card C and card issuer ID, ticket type code and issue classification are all registered. If the same check data is registered in the prepaid negative table T1, it is determined that the prepaid card C is an unauthorized card.
(2) Among the identification data of the prepaid card C, the card issuer ID, the ticket type code, the issue classification, the issue date and the issue store number are treated as a set of check data, and this check data is registered in the prepaid negative table T1. Find out if it is. That is, in the prepaid negative table T1, it is checked whether or not there is a check number in which the same prepaid card C and card issuer ID, ticket type code, issue classification, issue date, and issue store number are registered. . When the check data is registered in the prepaid negative table T1, it is determined that the prepaid card C is an unauthorized card.
(3) It is checked whether or not the card number among the identification data stored in the prepaid card C is registered in the prepaid negative table T1. When the check data is registered in the prepaid negative table T1, it is determined that the prepaid card C is an unauthorized card.

  If it is determined that the card is an illegal card in the above three checks (Y in step S8), the process proceeds to step S13 and error processing described later is executed.

  On the other hand, if it is not determined that the card is an unauthorized card in step S7 (N in step S8), in this case, it is not determined that the card is an unauthorized card in the balance check and the negative check. C is regarded as a legitimate card, and the settlement for the total sales amount, which is the settlement target amount by the electronic money of the prepaid card C, is permitted, and the following settlement processing is executed.

  First, it is determined whether or not the balance of the electronic money of the prepaid card C stored in the RAM of the POS control unit 17 is equal to or greater than the total sales amount (step S9). If it is determined that the remaining amount of electronic money is equal to or greater than the total sales amount (Y in step S9), the updated balance, which is the balance after use of electronic money by the settlement process, is stored in the RAM of the POS control unit 17. The total sales amount is subtracted from the remaining amount of the electronic money of the prepaid card C, and this updated balance is written in the prepaid card C as the remaining amount of electronic money using the card reader / writer 3 (step S10). Here, the balance obtaining means, balance obtaining function, and balance obtaining step are executed in steps S9 and S10. Specifically, a balance update message having an updated balance is transmitted to the card reader / writer 3. The card reader / writer 3 that has received the balance update message updates the electronic money balance of the prepaid card C to the received update balance. Then, this updated balance is stored (registered) in the card use history file F3 in association with the card number acquired in step S4 (step S11: storage means, storage function, storage step).

  Then, a tightening process is executed (step S12). In the closing process, the sales data stored in the RAM of the POS control unit 17 is stored in the POS sales file F2, and a receipt in which predetermined contents of the sales data are printed by the printer 22 is issued from the receipt issuing port 11a. Further, journal data composed of the total sales amount and the like is stored in the RAM of the POS control unit 17, and journal data relating to one transaction is created. When one transaction ends in this way, the journal data stored in the RAM of the POS control unit 17 is recorded on the journal paper using the printer 22. Note that the timing of executing the tightening process may be when waiting for the tightening key to be pressed between step S10 and step S12 and determining that the tightening key has been pressed. Here, the sales data of each POS terminal 2 is transmitted to the store computer 5 at a predetermined timing, and the store sales data obtained by totaling the sales data transmitted from each POS terminal 2 is stored in the store sales file F12. The store sales data stored in the store sales file F12 in this way is transmitted to the host computer of the distribution chain headquarters at a predetermined timing.

  If it is determined in step S9 that the remaining amount of electronic money in the prepaid card C is not equal to or greater than the total sales amount (N in step S9), the prepaid card C stored in the RAM of the POS control unit 17 from the total sales amount. The remaining amount is subtracted to calculate the shortage amount, and this shortage amount is written to the RAM of the POS control unit 17, and the card reader / writer 3 is used to write 0 yen as the remaining balance of the electronic money to the prepaid card C (step S14). Here, the balance calculating means, the balance calculating function, and the balance calculating step are executed in steps S9 and S14. Since this writing method is the same as step S10, the description thereof is omitted. Then, the shortage is displayed on the display units 14 and 15 (step S15). The updated balance 0 yen is stored (registered) in the card use history file F3 in association with the card number acquired in step S4 (step S16: storage means, storage function, storage step). Thereafter, the process returns to step S3, and waits again until the settlement key is operated and the settlement method is selected (Y in step S3, Y in step S17). And the process after step S3 is repeated until the shortage is satisfied.

  If it is determined in step S5 or step S8 that the prepaid card C is an unauthorized card (Y in step S6 or Y in step S8), the electronic money of the prepaid card C with respect to the total sales amount that is the settlement target amount Do not allow payment by. Here, not allowing the payment for the total sales amount of electronic money of the prepaid card C does not proceed to step S9 (non-permission means, non-permission function, non-permission step). In this embodiment, without proceeding to step S9, the process proceeds to step S13 to execute error processing. Thereby, the payment process by the prepaid card C after step S9 is not performed.

  In the error processing in step S13, the following processing is performed. First, the balance of the electronic money of the prepaid card C is rewritten to “0” using the card reader / writer 3 to disable the use of the prepaid card C (impossible processing means, disabling processing function, disabling processing step). Specifically, a rewrite message for rewriting the balance of the prepaid card C to “0” yen is transmitted to the card reader / writer 3. The card reader / writer 3 that has received this rewrite message rewrites the balance of the electronic money of the prepaid card C to “0” yen, and then ejects the prepaid card C from the card insertion slot 35. Further, the POS control unit 17 prints and issues an unauthorized card slip (not shown) by the printer 22. The fraud card slip is printed with a card number of the fraud card, a comment indicating that the prepaid card C with the card number is a fraud card, a store number, a transaction date and time, and the like. Further, the POS control unit 17 displays on the display unit 14 that the prepaid card C is an unauthorized card (for example, “Illegal card. Cannot be used. Please contact your local police station”). Further, the printer 22 records the card number of the prepaid card C and the fact that the prepaid card C having the card number is an illegal card on a journal sheet. In addition, the communication interface 20 is used to send a message to the store computer 5 that the card number of the prepaid card C and that the prepaid card C having the card number is an unauthorized card. Then, the process returns to step S3 and waits until the settlement method is selected again.

  As described above, in this embodiment, the balance of the electronic money of the prepaid card C used in the transaction is sequentially registered in the card usage history file F3 of the hard disk drive device (HDD) 18 that the POS terminal 2 has. In the transaction, the balance of the electronic money of the prepaid card C is in the card usage history file F3, and the remaining amount of the electronic money stored in the prepaid card C is the prepaid card C stored in the card usage history file F3. When the balance is larger than the balance, a determination process for determining that the prepaid card C is an illegal card is executed. Therefore, for example, when a dead copy card that is a plurality of fraud cards having the same card number is used in the same POS terminal 2, the dead copy card is found as a fraud card when the second or later dead copy card is used. can do. Here, for example, a criminal who uses a dead copy card tends to repeatedly use a plurality of dead copy cards in a store where the card has been successfully used once, so the above check works effectively. As described above, in this embodiment, since a fraudulent card can be found using the balance of the prepaid card C at the POS terminal without making an inquiry to the host device at the head office as in the prior art, the prepaid card is used. The fraudulent card can be found with a simple configuration using the balance of C.

  As a modification, the card use history file F3 of each POS terminal 2 is transmitted to the store computer 5 at a predetermined timing (for example, after closing), and the store computer 5 starts the transaction time from the card use history file F3 in the order of newest transaction time. A card history is shared within the store by extracting a specified number (for example, 50) of card histories and distributing the card usage history file F3 storing the extracted card histories from the store computer 5 to each POS terminal 2 And fraudulent cards can be found efficiently.

  In the present embodiment, payment for the payment target amount is executed by electronic money stored in the prepaid card C. However, when the prepaid card C is an illegal card, payment by the prepaid card C is not permitted. As a result, damage caused by an illegal prepaid card C can be prevented.

  Further, in this embodiment, when the prepaid card C is an unauthorized card, the balance of the electronic money of the prepaid card C is set to “0” yen to disable the use of the prepaid card C. It is possible to prevent card damage from occurring at other stores.

  In the present embodiment, identification data for identifying the prepaid card C stored in the prepaid card C is acquired, and the acquired identification data and the prepaid negative table of the hard disk drive device (HDD) 18 that is a storage unit are acquired. By determining whether the prepaid card is a fraudulent card based on the fraudulent card identification data for identifying the fraudulent card stored in T1, it is possible to find a fraudulent card registered in advance, Damage due to the prepaid card C can be further prevented.

  In the merchandise sales data processing, it is checked between step S4 and step S5 whether or not the balance of the electronic money of the prepaid card C acquired in step S4 is 0 yen, and the balance is 0 yen. Alternatively, the card may be ejected to display an error, and the process may return to step S3.

  In the present embodiment, various programs are stored in the hard disk drive (HDD) 18, but the present invention is not limited to this, and a magnetic storage medium such as a flexible disk or a magnetic tape, an MO Optical storage media such as CD, CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-R, DVD-RAM, DVD-RW, DVD + RW, etc., Various types of media such as a semiconductor memory may be used as the storage medium. Various optical storage media such as CD-ROM and DVD-ROM, various magneto-optical storage media, and various magnetic storage media such as a flexible disk are fixedly provided on the POS terminal 2. However, it is possible to perform various processes by reading the program using various program reading devices (CD-ROM drive or the like) adapted to each medium.

1 is a system configuration diagram schematically illustrating an overall configuration of a store system according to an embodiment of the present invention. 1 is an external perspective view schematically showing a POS terminal and a card reader / writer. It is a block diagram which shows the electrical equipment type | system | group of a POS terminal. It is explanatory drawing which shows a card | curd utilization log | history file typically. It is explanatory drawing which shows a prepaid negative table typically. It is a block diagram which shows the electrical equipment system of a card reader / writer. It is a block diagram which shows the electrical equipment system of a store computer. It is a flowchart which shows the flow of a merchandise sales data process.

Explanation of symbols

2 ... merchandise sales data processing device, 18 ... storage unit, C ... prepaid card

Claims (9)

In a merchandise sales data processing apparatus that executes a payment process for a payment target amount with electronic money that cannot be replenished stored in a prepaid card
A storage unit for storing the balance of the electronic money stored in the prepaid card in association with unique identification data unique to each prepaid card for identifying the prepaid card;
First acquisition means for acquiring a balance of the electronic money stored in the prepaid card and the unique identification data;
The unique identification data acquired by the first acquisition means is in the storage unit, and the first acquisition is performed based on the balance of the electronic money stored in the storage unit in association with the unique identification data. First determination means for executing a determination process for determining that the prepaid card is an unauthorized card when the balance of the electronic money acquired by the means is greater;
If the prepaid card is an unauthorized card, non-permission means that does not permit the payment process using the prepaid card;
In the payment process, a balance obtaining means for obtaining a balance after use of the electronic money by the payment process based on the balance of the electronic money acquired by the first acquisition means and the payment target amount;
Storage means for storing the electronic money balance obtained by the balance obtaining means in the storage unit in association with the unique identification data obtained by the first obtaining means;
A product sales data processing device comprising:   2. The merchandise sales data processing apparatus according to claim 1, further comprising disabling processing means for disabling use of the prepaid card when the prepaid card is an unauthorized card. Second acquisition means for acquiring identification data for identifying the prepaid card stored in the prepaid card;
A second determining unit that determines whether the prepaid card is a fraudulent card based on the identification data obtained by the second obtaining unit and the fraudulent card identification data for identifying the fraudulent card stored in the storage unit; A determination means;
The product sales data processing apparatus according to claim 1 or 2, further comprising: A computer-readable program provided in a merchandise sales data processing apparatus that executes a settlement process for a settlement target amount by electronic money that cannot be replenished stored in a prepaid card,
A first acquisition function for acquiring a balance of the electronic money stored in the prepaid card and unique identification data unique to each prepaid card for identifying the prepaid card;
The storage unit storing the electronic money balance stored in the prepaid card in association with the unique identification data includes the unique identification data acquired by the first acquisition function, and is associated with the unique identification data. And determining that the prepaid card is an unauthorized card when the electronic money balance acquired by the first acquisition function is larger than the electronic money balance stored in the storage unit. A first determination function for executing processing;
When the prepaid card is an unauthorized card, a non-permission function that does not permit the settlement process using the prepaid card;
In the payment process, a balance obtaining function for obtaining a balance after use of the electronic money by the payment process based on the balance of the electronic money acquired by the first acquisition function and the payment target amount;
A storage function for storing the balance of the electronic money determined by the balance determination function in the storage unit in association with the unique identification data acquired by the first acquisition function;
That causes the computer to execute the program.   5. The program according to claim 4, wherein when the prepaid card is an unauthorized card, the computer is caused to execute an incapability processing function that disables the use of the prepaid card. A second acquisition function for acquiring identification data for identifying the prepaid card stored in the prepaid card;
A second determining unit that determines whether the prepaid card is a fraudulent card based on the identification data obtained by the second obtaining function and the fraudulent card identification data for identifying the fraudulent card stored in the storage unit; Judgment function,
6. The program according to claim 4, wherein the program is executed by the computer. In a merchandise sales data processing method for executing a payment process for a payment target amount by electronic money stored in a prepaid card and not replenished,
A first acquisition step of acquiring a balance of the electronic money stored in the prepaid card and unique identification data unique to each prepaid card for identifying the prepaid card;
The storage unit that stores the balance of the electronic money stored in the prepaid card in association with the unique identification data includes the unique identification data acquired by the first acquisition step, and associates with the unique identification data. And determining that the prepaid card is a fraudulent card when the balance of the electronic money acquired by the first acquisition step is larger than the balance of the electronic money stored in the storage unit. A first determination step for executing processing;
If the prepaid card is an unauthorized card, a non-permission step that does not permit the payment process using the prepaid card;
In the payment process, a balance obtaining step for obtaining a balance after use of the electronic money by the payment process based on the balance of the electronic money acquired by the first acquisition step and the payment target amount;
A storage step of storing the balance of the electronic money determined in the balance determination step in the storage unit in association with the unique identification data acquired in the first acquisition step;
A method for processing merchandise sales data, comprising:   8. The merchandise sales data processing method according to claim 7, further comprising a disabling step of disabling use of the prepaid card when the prepaid card is an unauthorized card. A second acquisition step of acquiring identification data for identifying the prepaid card stored in the prepaid card;
A second determining unit that determines whether the prepaid card is a fraudulent card based on the identification data obtained in the second obtaining step and the fraudulent card identification data for identifying the fraudulent card stored in the storage unit; A determination step;
The product sales data processing method according to claim 7 or 8, characterized in that

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