JP2525878B2 - Prepaid card processor - Google Patents

Description

TECHNICAL FIELD The present invention relates to a prepaid card processing device capable of paying for goods or services using a prepaid card, and particularly when a shortage occurs in prepaid card payment. The present invention relates to a prepaid card processing device that improves shortage processing in the above.

[Prior Art] As is well known, money information is magnetically recorded on a prepaid card in advance, and a card user purchases this prepaid card by paying a price corresponding to the magnetically recorded money information. Then, every time the user uses a prepaid card, for example, a ticket vending machine, a public telephone, etc., the amount of money corresponding to the usage fee is automatically deducted from the magnetically recorded amount information.

Also, if the amount information recorded on the prepaid card is less than the price, you can pay the insufficient amount in cash,
By inserting an additional prepaid card into the card insertion slot, the shortfall amount is paid from the additional prepaid card.

It is conceivable to apply a prepaid card having such a function of paying in advance to a general store. In this case, the money was collected when the card was issued,
It is very financially advantageous to the store side. Moreover, since it is not necessary to make a credit reference to the card like a credit card, the efficiency of sales operations can be improved.

[Problems to be Solved by the Invention] However, issuing a prepaid card that can be used only for each store is very troublesome for customers because it is necessary to carry a plurality of different types of cards for each store. Therefore, there is a demand for issuing prepaid cards that can be used at multiple stores.

However, if the range of merchandise that can be used with a prepaid card is expanded, it becomes difficult to distinguish it from a gift certificate, and if an unspecified number of people use the same card, it becomes the same as cash.

In order to eliminate such inconvenience, it is possible to limit the number of persons who can use this card by magnetically recording, for example, information identifying the person who uses this card on the prepaid card.

However, if the information for identifying the user is recorded on the card as described above, it becomes impossible to insert another person's card as an additional card when the shortage occurs as described above. Therefore, you can either settle the shortfall with cash or cancel the payment with the card and have a prepaid card with newly recorded information that identifies you issued for payment and use the new prepaid card as an additional card. Had to do.

On the other hand, if a shortage occurs for the store side as well, it is necessary to issue a new additional card in which information specifying the person (customer) to be used at that time is issued, so the work efficiency of the entire sales operation is reduced.

In this way, when the amount of deficiency in card payment occurs, if the information for identifying the user is recorded in the prepaid card, the prepaid card becomes very complicated and difficult for the card user to use.

The present invention has been made in view of such circumstances, and when a shortage of money occurs in card payment, a card in which information specifying a card user is recorded is automatically created by a simple key operation. At the same time, by deducting the shortfall from the card and issuing it, the additional card issuance work can be performed within a series of sales operations for one customer, and the separate card issuance work can be omitted, thus the operator's burden It is an object of the present invention to provide a prepaid card processing device capable of reducing the cost and significantly improving the work efficiency of the entire sales operation.

[Means for Solving the Problems] In order to solve the above problems, according to the present invention, the amount information recorded on the prepaid card inserted from the card insertion slot is read by a card reader / writer, and a sales operation for one customer is performed. The prepaid card inserted into the card insertion slot in the prepaid card processing device in which the total amount of the applicable customers obtained is deducted from the amount information and the deducted amount information is written into the prepaid card by the card reader / writer and discharged. The card information reading means for reading the member number and the personal identification number recorded in step 1 along with the amount information, the deficit amount display means for displaying the deficit amount when the total amount exceeds the read amount information, and the deficit amount were displayed. In response to the subsequent additional card key operation, the member number and personal identification number read by the card information reading means are used as card information. Card information saving means for temporarily storing in the buffer, a zero amount information writing means for writing zero amount information to the prepaid card inserted in the card insertion slot in response to the operation of the additional card key, and discharging it, and an additional card The additional card information reading means for reading the card information recorded in the additional card newly inserted into the card insertion slot after the key operation and the additional card information amount by using the card information read by the additional card information reading means , A card determination means for determining whether it is a prepaid card in which a membership number and a personal identification number are recorded, or an original card in which only amount information is recorded, and this card determination means determines that the card is an original card. And a prepaid card generating means for writing a membership number and a personal identification number stored in a card information buffer into the original card to make a prepaid card. When,
When the prepaid card is judged to be a prepaid card by the new card ejecting means for deducting the shortage amount from the amount information recorded on the prepaid card generated by the prepaid card generating means and discharging the prepaid card, The card number confirmation means that confirms that the membership number and PIN stored in the card information buffer match the membership number and PIN stored in the card information buffer, and this card confirmation means confirms that the membership number and PIN match. Then, it is provided with an additional card discharging means for subtracting the shortage amount from the amount information stored in the additionally inserted prepaid card and discharging it.

In addition, in another invention, in addition to the above means, a payment command for paying the shortfall amount by a method other than the additional card is input within a period from the operation of the additional card key to the insertion of the additional card into the card insertion slot. Then, the payment method transition means for transitioning to the corresponding payment processing is provided.

[Operation] In each prepaid card used in the prepaid card processing device configured as described above, a membership number and a personal identification number for identifying the user are recorded in addition to the amount information. In addition, an original card in which only amount information is recorded is prepared in a store in which this prepaid card processing device is installed.

Then, when the prepaid card on which the amount information, the member number and the personal identification number are recorded is inserted into the card insertion slot of the prepaid card processing device, the card information such as the amount information, the member number and the personal identification number stored in the prepaid card is read. To be Then, for example, when the sales operation for one customer is performed on the keyboard, the total amount of the customer is compared with the amount information read from the prepaid card,
When a shortfall occurs, the shortfall is displayed. When the additional card key is operated by the key, zero amount information is written in the previously inserted prepaid card and ejected.

Then, when you insert the original card as an additional card into the card insertion slot, the membership number and PIN of the previous card will be written on the original card, and the deficit amount will be deducted from the amount information and then it will be ejected as a prepaid card. .

Therefore, the sales process and the card issuing process are automatically executed within a series of sales operations.

On the other hand, when a prepaid card is inserted into the card insertion slot as an additional card, the shortage amount is subtracted from the amount information of the prepaid card and the prepaid card is ejected.

Further, in another invention, even if a shortage occurs and it is determined that the additional card is to be paid once and the additional card key is pressed, until the additional card is inserted into the card insertion slot, for example, cash, payment If you enter payment instructions such as
You can change to the applicable payment method.

[Embodiment] An embodiment of the present invention will be described below with reference to the drawings.

1A and 1B are a prepaid card 1 and an original card 2 used in the prepaid card processing device of the embodiment.
FIG. Each prepaid card 1 has a message 3 such as [shopping card] indicating that it is a prepaid card, [50000 yen] indicating the issuing company name and face value, etc.
, And a magnetic stripe 4 on which card information is magnetically recorded is formed. Further, punch holes 5 are formed to show an approximate balance state that changes according to the usage status of the prepaid card 1.

In the magnetic stripe 4, as shown in FIG. 2 (a), the issuing company code 4a indicating the company (store) that issued (sold) the prepaid card 1, the issue date 4b, and the membership number of the cardholder. 4, PIN code 4d, continuous card number 4e on all cards, amount 4f as amount information, etc. are recorded.

On the other hand, the original card 2 has the same structure as the prepaid card 1, and the message 3 having the same content is written and the magnetic stripe 4 is formed. The punch holes 5 are not provided.

As shown in FIG. 2B, only the issuing company code 4a, the card number 4e, and the amount 4f are magnetically recorded in advance in a predetermined area on the magnetic stripe 4 of the original card 2. This original card 2
The amount of money 4f magnetically stored in is the stated amount of money, such as 50,000 yen.

Then, on the magnetic stripe 4 of the original card 2, the issue date 4b, the purchaser (card holder) member number 4c, and the personal identification number 4d
Is written, the prepaid card 1 shown in FIG.

The prepaid card 1 has a membership number 4c and a personal identification number 4d.
As described above, the information is recorded by identifying the person who can use this prepaid card 1 to show that it is different from cash and gift certificates, and by confirming the membership number and PIN. , So that it can be reissued when the card is lost.

FIG. 3 is an external view showing a prepaid card processing device 6 in which the cards 1 and 2 are used. A keyboard 7 is arranged on the front surface of the housing, and a card insertion slot 8 and a display section 9 are provided on the upper part. Further, the prepaid card processing device 6 has a pin pad for a customer to input a personal identification number.
Printer 12 that prints sales amount on 10 and recording paper 11
Are connected by a cable.

As shown in FIG. 4, on the keyboard 7, in addition to a numerical key 13 for inputting numerical data, a confirmation key 14 for confirming the numerical data entered, a subtotal key 15a, is input. A total sales key 15b for totaling the sales amount for one customer, an additional card key 15c that declares that the shortfall amount will be paid with an additional card when a shortage occurs, and also the shortfall amount will be paid in cash. Various function keys 15 such as a cash payment key 15d for declaring and a payment key 15e for declaring that the shortage amount is to be paid are also arranged.

Further, the keyboard 7 is provided with a work changeover switch 16 which is changed by an operator with a key. And
[Sales] [Inspection]
Various tasks such as [payment] are selected and set.

FIG. 5 is a block diagram showing a schematic configuration of the prepaid card processing device 6.

Bus line 26 to CPU 25 that executes various information processing
Via a telephone, a ROM 27 for storing a control program, a RAM 28 for storing various variable data such as a sales summary file, a keyboard 7, an NCU / online connected via a telephone line to a card center 29 composed of a host computer of a card issuing company. A communication control circuit 30 composed of a MODEM, a display unit 9 for displaying input numerical data and various operation guides, a card reader / writer 31 for reading / writing information from / into each of the cards 1 and 2 inserted through the card insertion slot 8, a pin pad An interface 32 connected to 10 and an interface 33 connected to the printer 12 are connected.

Further, the drive voltages V _D and V _C are supplied from the power supply 34 to the respective electronic components.

As shown in FIG. 6, in the RAM 28, a sales totalizing file 28a for totaling the sales amount of products sold by the prepaid card 1, a total memory 28b for calculating the total amount of sales for one customer, a card reader A card information memory 28c for storing card information read by the writer 31, a display buffer 28d for storing display data to be displayed on the display unit 9,
A print buffer 28e for storing print data to be printed on the recording paper 11 by the printer 12, and a shortage amount memory 28 for temporarily storing the shortage amount when card payment causes a shortage amount.
f, a card information buffer 28g, etc. for temporarily storing the card information of the prepaid card 1 previously inserted when the shortage amount is paid by the additional card is formed.

Thus, the CPU 25 is configured to execute a sales processing operation in accordance with the flowchart of FIG.

When the flow chart is started and the job changeover switch 16 of the keyboard 7 is set to the job [sales] in S (step) 1, the operation guide of [card insertion] is displayed on the display unit 9. When the prepaid card 1 is inserted into the card insertion slot 8, the issuing company code 4a, the issuing date 4b, the member number 4c, stored in the magnetic stripe 4 of the prepaid card 1 by the card reader / writer 31 in S2, Read card information consisting of PIN 4d, card 4e, amount 4g, etc. Then, the read card information is stored in the card information memory 28c of the RAM 28.
Store to. Next, in S3, it is checked from the card information stored in the card information memory 28c whether or not the inserted prepaid card 1 is a usable card. Then, for example, if the issuing company code is a code of another company, the prepaid card 1 cannot be used. Therefore, after displaying the message [unusable] on the display unit 9, the card is ejected.

If the prepaid card 1 inserted in S3 is a normal card, the operation guidance of [PIN code input] is displayed on the display unit 9. For example, by pressing the key on the pin pad 10 by the customer,
When the digit personal identification number is input, it is checked whether the personal identification number matches the personal identification number 4d stored in the card information memory 28c. If they do not match, the operation guide of [PIN code input] is displayed and waits for the PIN code to be input again.
If the password does not match even after the password has been entered three times, it is determined that the card is an accident card, [Unusable] is displayed, and the card is ejected. If the PIN numbers match, S4
Displays the amount 4f of the card information memory 28c as the balance of the card.

Next, the price of the product purchased by the customer is keyed in with the numeric keypad 13, and it is judged that the displayed price is correct and the confirmation key
When 14 is keyed in, the amount is added to the total amount in the total memory 28b. Further, the printer 12 prints out the amount of money on recording paper (receipt paper) 11. And S5
When the sales total key 15b is operated, the total amount of sales for one customer is finished, so the total amount of the total memory 28b is displayed on the display unit 9 and the total amount is displayed on the recording paper 11. Is printed out.

Then, in S6, the total amount is the card information memory 28c.
Make sure that the amount is less than or equal to the card balance indicated by 4f. If it is less than the card balance, the total amount is deducted from the amount 4f to obtain the deduction balance. Then, while displaying the updated balance, the balance is written in the card information memory 28c as a new amount 4f.

Then, the new amount of money 4f stored in the card information memory 28c is written by the card reader / writer 31 in the corresponding area of the magnetic stripe 4 of the prepaid card 1 inserted in the card insertion slot 8.

Next, in S16 of FIG. 8, the membership number 4c and the card balance (amount 4f) of the card information memory 28c are printed out on the recording paper 11 and discharged (receipt issuance). Next, the total amount of money is registered and totalized in the sales totalization file 28a, and the total memory 28b is cleared.

Finally, in S17, the prepaid card 1 inserted in the card insertion slot 8 is ejected, and the sales processing operation by the prepaid card 1 for one customer is completed.

If the card balance is less than the total amount in S6, S7
Perform the following shortage processing. That is, in S7, the card balance is subtracted from the total amount to calculate the shortfall amount, and the shortfall amount is stored in the shortfall amount memory 28f of the RAM 28. And
At S8, the shortage amount is displayed on the display unit 9, and the customer waits for selection of whether to pay the shortage amount with an additional card or with cash.

When the additional card key 15c is pressed in S9, it is determined that the shortfall will be paid with the additional card, and the amount 4f is set to 0 for the prepaid card 1 currently inserted in the card insertion slot 8.
Set to and write. Then, the prepaid card 1 is ejected. Next, in S11, the card information of the discharged prepaid card 1 stored in the card information memory 28c is stored in the card information buffer 28g.

Then, the operation guide of [insert additional card] is displayed on the display unit 9. In S20, the cash payment key 15d or the payment key 15e, which indicates that the payment of the shortage amount is stopped by the additional card and is changed to cash or payment, is not keyed in,
When a new card is inserted into the card insertion slot 8, the card information stored in the card is read in S12 and stored in the card information memory 28c. And S13 and S18
Then, it is determined from the card information stored in the card information memory 28c whether the inserted card is the original card 2 or the prepaid card 1. If there is no issue date, membership number, or personal identification number in the card information, it is the original card 2, so the membership number 4c and personal identification number 4d in the card information buffer 28g.
Is read out and written in the card information memory 28c together with the current issue date 4b separately supplied from the clock circuit.

Then, proceeding to FIG. 8, the amount of money 4f in the card information memory 28c is read out and displayed. Next, in S14, if this card balance (amount of money 4f) is equal to or more than the amount of deficiency in the deficiency memory 28g, the remaining amount of deficiency is subtracted from this amount 4f to calculate a deduction balance. Then, the balance is displayed. Then, this deduction balance is written in the corresponding area of the card information memory 28c. Then, at S15, the issue date 4b, the member number 4c, the personal identification number 4d, and the amount 4 newly stored in the card information memory 28c.
The card information including f is written in the card currently inserted in the card insertion slot 8.

Next, in S16, the membership number of the card information memory 28c and the card balance (amount of money 4f) are printed out on the recording paper 11 by the printer 12.

If the card balance is again less than the shortfall amount in S14, the process returns to S7 in FIG. 7 to calculate a new shortfall amount again and store it in the shortfall amount memory 28g. Then, the new shortage amount is displayed again.

If the member number 4c and the personal identification number 4d are recorded in the card information memory 28c in S18 of FIG. 7, the prepaid card 1 that has already been issued has been inserted as an additional card, so it is stored in the card information buffer 28g. Confirm that it matches the membership number and PIN of the prepaid card 1 inserted earlier. Then, proceeding to FIG. 8, the card balance of the newly inserted prepaid card 1 is displayed.

If the member number and the personal identification number do not match, the display section 9 displays "card not usable", the prepaid card 1 is ejected, the process returns to S9, and the next key operation waits.

Furthermore, in S19, in the case where the cash payment key 15d or the payment key 15e is keyed in instead of the additional card key 15c, and in the case where the cash payment key 15d or the payment key 15e is keyed in S20, , Print out the deficit amount to 11 for recording and discharge it (issue receipt). Then, the total amount is registered and totalized in the sales totalization file 28a, and the balance 0 is written in the prepaid card 1 inserted in the card insertion slot 8 and discharged.

As shown in FIG. 1 and FIG. 2, cards that can be handled by the prepaid card processing device 6 configured as described above include a member number 4c and a personal identification number 4d in addition to the amount 4f.
A pre-paid card 1 that has already been issued with magnetic recording,
There is a former card 2 in which the member number 4c and the personal identification number 4d are not recorded.

Then, when performing a sales operation for one customer, after inserting the issued prepaid card 1 into the card insertion slot 8, the customer is asked to input the personal identification number. Then, if you enter the amount of each product and finally operate the sales total key 15b, the total amount is displayed, then the balance balance obtained by subtracting the total amount from the card balance is displayed, and the balance balance. Is written on the prepaid card 1 as a new card balance and discharged.

Then, when the card balance is less than the total amount, the insufficient amount is displayed. And if the customer carries the issued prepaid card 1, an additional card key
When you press 15c, the previous prepaid card 1 will have 0 card balance.
The card will be ejected after being rewritten into the card, and then the new prepaid card 1 will be used as an additional card for the card insertion slot 8
When the card is inserted into, the shortfall amount is deducted from the card balance of the prepaid card 1 and the prepaid card 1 is discharged.

That is, when the prepaid card 1 is continuously used, it is not necessary to input the personal identification number for the second and subsequent prepaid cards 1. Although the input operation is unnecessary, it is impossible to use another person's prepaid card 1 as an additional card because it is confirmed that the member number and the personal identification number match.

Also, if the customer does not bring the issued prepaid card 1 at the time the shortfall is displayed, the additional card key
15c is operated by a key to eject the prepaid card 1 with a card balance of 0 and eject the card. Then, the original card 2 is inserted into the card insertion slot 8. Then, the membership number 4c and the personal identification number 4d of the previous prepaid card 1 are automatically written in the original card 2 to become a new prepaid card 1. The amount 4f of the new prepaid card 1 and the shortage amount ahead. Is deducted and discharged.

That is, in this prepaid card processing device 6, the sales processing by the original prepaid card and the processing for issuing a new prepaid card are executed in a series of sales processing operation process for one customer. Therefore, it is not necessary to key in a membership number or a personal identification number in order to issue a new prepaid card 1, so that the work efficiency of card issuance can be greatly improved, and the work efficiency of the entire sales operation can be greatly improved. .

In addition, when issuing the additional card, it is not necessary to manually input the membership number or the personal identification number by key operation, so that an erroneous operation can be prevented in advance and the reliability of the entire apparatus can be improved.

In this embodiment, it is also possible to settle the shortfall in cash.

In addition, I decided to pay the shortfall with the additional card once and operated the additional card key 15c, but if it is necessary to change the shortfall to another payment method such as cash or payment, add it. Before the card is inserted into the card insertion slot 8, by operating the cash payment key 15d or the payment key 15e, the shortfall amount can be settled by the corresponding payment method.

As described above, since the chances of selecting the payment method are increased, the operability can be further improved.

[Effects of the Invention] As described above, in the prepaid card processing device of the present invention, when a shortage of money occurs in card payment, information such as a membership number and a personal identification number for identifying a card user can be obtained by a simple key operation. The prepaid card in which is recorded is automatically created, and the shortfall amount is automatically deducted from the prepaid card to be issued.
Therefore, the business of issuing an additional prepaid card can be performed within a series of sales operations for one customer, and the business of issuing a card that is separately performed at normal times can be omitted. As a result, the burden on the operator can be reduced, and the work efficiency of the entire sales operation can be significantly improved. Also, when paying the shortfall with an additional prepaid card that has been issued, the membership number and PIN stored in the prepaid card inserted earlier will be checked, so the user of the prepaid card can be more surely checked. Can be specified.

In addition, since the chances of selecting a payment method for the shortfall amount increase, the operability can be further improved.

[Brief description of drawings]

1 to 8 show a prepaid card processing device according to an embodiment of the present invention. FIG. 1 is an external view of a prepaid card and an original card, and FIG. 2 is stored in the prepaid card and the original card. Showing the generated card information, FIG. 3 is an external view showing the prepaid card processing device,
FIG. 4 is a key layout diagram of the keyboard, FIG. 5 is a block diagram showing a schematic configuration of the prepaid card processing device, FIG. 6 is a diagram showing each memory formed in the storage unit, and FIGS. 7 and 8 are It is a flow chart which shows operation. 1 ... Prepaid card, 2 ... Original card, 4 ... Magnetic stripe, 4a ... Issuing company code, 4c ... Member number,
4d ... PIN, 4f ... Amount, 6 ... Prepaid card processing device, 7 ... Keyboard, 8 ... Card insertion slot, 9
…… Display, 10 …… Pin pad, 12 …… Printer, 13…
… Numeric key, 15b …… Sales key, 15c …… Additional card key, 15d …… Cash payment key, 25 …… CPU, 28 …… RAM, 28a
…… Sales summary file, 28c …… Card information memory, 28f
…… Shortfall memory, 28g …… Card information buffer, 31
...... Card reader / writer.

 ─────────────────────────────────────────────────── ─── Continuation of the front page (72) Inventor Takamasa Sakakibara 2-3-1, Kentokucho, Oita City, Oita Prefecture Oita Prepaid Card Co., Ltd.

Claims (2)

(57) [Claims] 1. A card reader / writer (31) reads the amount information recorded on a prepaid card (1) inserted from a card insertion slot (8), and the corresponding customer obtained by a sales operation for one customer In a prepaid card processing device for writing out the prepaid card with the card reader / writer and discharging the prepaid card after deducting the total amount of money from the amount of money information and recording the prepaid card inserted from the card insertion slot. A card information reading means (S2) for reading the registered member number (4c) and personal identification number (4d) together with the amount information, and an insufficient amount for displaying the insufficient amount when the total amount exceeds the read amount information. Display means (S8) and additional card key (15c) after the above-mentioned deficit is displayed
In response to the operation, the member number and the personal identification number read by the card information reading means are stored in the card information buffer (28
card information saving means (S11) for temporarily storing in g), and zero amount information for writing and discharging zero amount information in the prepaid card inserted in the card insertion slot in response to the operation of the additional card key Writing means (S10), additional card information reading means (S12) for reading the card information recorded in the additional card newly inserted into the card insertion slot after the operation of the additional card key, and the additional card information reading means Whether the additional card is the prepaid card (1) in which the amount information, the member number, and the personal identification number are recorded by using the card information read in 1. or the original card (2) in which only the amount information is recorded. If the card determination means (S13, S18) determines that the card is the original card (2), the membership number recorded in the card information buffer is recorded on the original card. And a prepaid card generating means (S15) for writing a personal identification number into a prepaid card, and a new card discharge for discharging by subtracting the insufficient amount from the amount information recorded in the prepaid card generated by the prepaid card generating means. The means (S15 to S17) and the card determination means determine that the card is a prepaid card, the membership number and the secret code stored in the prepaid card are stored in the card information buffer. If the card confirmation means confirms that the member number and the personal identification number match, the deducted amount is subtracted from the amount information stored in the additionally inserted prepaid card. A prepaid card processing device provided with an additional card discharging means (S14 to S17) for discharging. 2. When a payment instruction for paying the shortage amount by a method other than the additional card is input within a period from the operation of the additional card key to the insertion of the additional card into the card insertion slot, the payment process is started. The prepaid card processing device according to claim 1, further comprising a payment method transfer means (S20).