JP2539925B2 - Card trading equipment - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial field of application] The present invention relates to a card transaction device capable of paying for goods or services using a prepaid card.
In particular, the present invention relates to a card transaction device in which the previous usage amount is stored in a card together with the card balance and the previous usage status can be displayed if necessary.

[Prior Art] As is well known, a prepaid card has a magnetic recording of an amount or frequency called a card balance in advance, and a card user pays a price corresponding to the magnetically recorded amount or frequency of this card. To buy. Then, every time the user uses the prepaid card, for example, a ticket vending machine, a vending machine, a public telephone, etc., the amount or frequency corresponding to the usage fee is deducted from the magnetically recorded card balance.

It is conceivable to apply such a prepaid card (hereinafter abbreviated as a card) having the function of prepaid price to a general store or cafeteria that sells various products. In this case, the money was collected when the card was issued,
It is very financially advantageous to the store side. In addition, since it is not necessary to make a credit reference to the card like a credit card, sales efficiency can be improved.

In particular, when the company that issues the card and the store that can use the card are closely linked, the advantage on the store side is great.

[Problems to be Solved by the Invention] On the other hand, in principle, the prepaid card is not limited in the number of people who use it, and therefore has the same function as cash for the card user. Therefore, it is necessary for the card user to manage the card so that it will not be lost or damaged from the time of purchasing the card until the card balance becomes zero. Also,
It is best to keep track of your current card balance.

However, the card only has punch holes that are a guide for the approximate card balance, and once you forget the correct card balance, you can know until the next time you purchase a product using this card. Can not.

Therefore, depending on the user of the card, the wrong card balance is often memorized, and the card balance is often less than expected at the time of actual payment of the card. And the store clerk may be protested by the customer that there should be more card balance. However, the store staff has no way of knowing the past usage of this card, so there is no effective way to convince the customer.

In addition, it is possible that a third party different from the card holder purchases the product by using the card without the card holder's permission, rather than the mistake being remembered by the card user.

Since the past usage status of the card cannot be grasped in this manner, there is a concern that the above-mentioned various troubles will occur with the customer.

The present invention has been made in view of such circumstances, and by storing the previous usage amount and the number of times of usage up to the last time in addition to the card balance in the card, the previous usage status can be stored as necessary. An object of the present invention is to provide a card transaction device that can be easily displayed, can smoothly perform card transactions with customers, and can improve the reliability of the entire card system.

[Means for Solving the Problems] In order to solve the above problems, the present invention reads a card balance recorded in a balance area of a prepaid card inserted from a card insertion slot with a card reader / writer and inputs it from a keyboard. In the card transaction device that subtracts the sales amount from the card balance and writes the deducted card balance to the balance area of the prepaid card with the card reader / writer and discharges it, an instruction input means for inputting the previous usage amount confirmation instruction , The previous usage amount reading means for reading the previous usage amount stored in the previous usage amount area of the prepaid card inserted from the card insertion slot together with the card balance, and the usage frequency area of the prepaid card inserted from the card insertion slot. The number of times of use up to the last time is read together with the amount of use last time and the number of times of use is read by the instruction input means In response to the previous usage amount confirmation instruction, the previous usage status display means for displaying the previous usage amount read by the previous usage amount reading means and the usage number reading means and the number of times of usage up to the previous time, and the sales amount input from the keyboard. Is written to the previous usage amount area of the prepaid card inserted from the card insertion slot, and the usage count of the usage count area of the prepaid card is updated in response to the update operation by the previous usage charge update means and the previous usage charge update means. And a means for updating the number of times of use.

[Operation] In each prepaid card used in the card transaction device configured as described above, in addition to the balance area for storing the card balance, the previous usage amount area for storing the previous usage amount and the number of times of usage up to the previous time. Is formed to store the number of times of use. When you insert a prepaid card into the card insertion slot,
In addition to the card balance, the amount used last time and the number of times used up to the previous time are read.

For example, if it is necessary to check the previous usage status in response to a customer's request, enter the previous usage amount confirmation instruction using the previous usage amount confirmation key on the keyboard. The number of times is displayed. Therefore,
The usage status up to the last time can be grasped and troubles with customers can be prevented.

When a series of card processing is completed, the previously used amount in the previously used amount area of the prepaid card is updated to the currently used amount (sales amount) and the number of times of use up to the previous time is also updated.

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

FIG. 1 is a diagram showing a card (prepaid card) used in the card transaction device of the embodiment. On this card 1, a name indicating a prepaid card such as a [shopping card], an available store name, and a face value 2 such as [50000 yen] are written, and a magnetic stripe 3 on which card information is magnetically recorded is formed. There is. Further, a punch hole 4 is provided which indicates an approximate card balance that changes depending on the usage status of the card 1.

In the magnetic stripe 3, as shown in FIG.
Issuing company area 3a that stores the issuing company code indicating the company (store) that issued (sold) this card 1, issue date area 3b that stores the issue date, and a member that stores the member number of the cardholder if necessary Number area 3c, Card number area 3d that stores consecutive card numbers on all cards, Balance area 3e that stores the card balance, Last usage amount area 3f that stores the previous usage amount, Usage that stores the number of times used up to the previous time A number-of-times region 3g and the like are formed.

FIG. 3 shows a card transaction device 5 in which the card 1 is used.
FIG. A keyboard 6 is arranged on the front surface of the housing, and a card insertion slot 7 and a display portion 8 are provided on the upper portion. Further, the card transaction device 5 is connected to a printer 11 which prints a sales amount on a recording (receipt) paper 10 and issues it as a receipt.

As shown in FIG. 4, the keyboard 6 includes a numeric key 12 for inputting numeric data, a confirmation key 13 for confirming the numeric data entered, a subtotal key 14a, and an input key. A total sales key 14b for totaling the amount of sales to one customer, a previous usage amount confirmation key as a means for inputting a previous usage amount confirmation instruction to confirm the previous card usage status
Various function keys 14 such as 14c are provided.

Further, the keyboard 6 is provided with a work changeover switch 15a which is operated by an operator with a key. Then, by using the work changeover switch 15a, various works such as [sales], [inspection], and [settlement] are selectively set.

FIG. 5 is a block diagram showing a schematic configuration of the card transaction device 5.

Bus line 16 to CPU 15 that executes various information processing
Via a ROM 17 for storing a control program, a RAM 18 for storing various variable data such as a sales total file, a keyboard 6, a display unit 8 for displaying input numerical data and various operation guides, and each inserted from a card insertion slot 7. A card reader / writer 19 that reads and writes each card information from the card 1, an interface 20 that is connected to the printer 11, and the like are connected.

Further, the drive voltages V _D and V _C are supplied from the power source 21 to the electronic components.

In the RAM 18, as shown in FIG. 6, a sales total file for totaling the sales amount of the products sold by the card 1
18a, total memory 18b for calculating the total amount of sales for one customer, card 1 read by the card reader / writer 19
Card information memory 18c for storing each card information read from each area 3a to 3g of the magnetic stripe 3, a display buffer 18d for storing display data to be displayed on the display unit 8, and a print for printing on the recording paper 10 by the printer 11. A print buffer 18e for storing data is formed.

Thus, the CPU 15 is programmed so as to execute the sales processing business according to the flowcharts of FIGS. 8 and 9.

If the flow chart is started and the work changeover switch 15a of the keyboard 6 is set to the [Sales] work at S (step) 1, the operation guidance of [Card insertion] is displayed on the display unit 8. Then, when the card 1 is inserted into the card insertion slot 7, the issuing company code, the issuing date, and the member number stored in each area 3a to 3g of the magnetic stripe 3 of the card 1 by the card reader / writer 19 in S2. , Card number, card balance,
Each card information such as the amount used last time and the number of times this card 1 has been used up to the previous time is read. Then, in S3, it is checked whether or not the above card information has been normally read. When all the card information has not been read normally, the display unit 8 displays that reading is impossible.

Then, in S4, the previous usage amount confirmation key 14 on the keyboard 6
When c is input, the card balance read in an error-containing state and the previously used amount are displayed on the display unit 8 for a predetermined time, and then the card 1 inserted in the card insertion slot 7 is ejected in S5. It should be noted that if the previous usage amount confirmation key 14c has not been key-entered in S6 even if the predetermined allowable time has elapsed, the card 1 is directly ejected in S5.

If all the card information is successfully read in S3, the read card information is stored in the card information memory 1 of the RAM18.
Store in 8c. Next, in S8, it is checked from the card information stored in the card information memory 18c whether the inserted card 1 is a usable card. Then, for example, if the issuing company code is a code of another company, the card 1 cannot be used. Therefore, after displaying the message [unusable] on the display unit 8, the card 1 is ejected.

If the card 1 inserted in S8 is a normal card usable in this store, the card balance is read from the card information memory 18c and displayed on the display unit 8 in S9. Furthermore, when the previous usage amount confirmation key 14c of the keyboard 6 is pressed while the card balance is displayed, the card information memory is stored in S11.
The previously used amount of money and the number of times of use up to the previous time are read from 18c and displayed on the display unit 8. Then, the process proceeds to S12 in FIG. 9 and waits for the value of the product purchased by the customer to be keyed in with the numeric keypad 12. It should be noted that if the previous usage amount confirmation key 14c is not operated, the process proceeds to S12.

In S12, the amount of the product purchased by the customer is keyed in with the numeric keypad 12, and the displayed amount is judged to be correct, and the confirmation key 13 is keyed in.
Add to the total amount of 18b. At the same time, as shown in FIG. 7, the printer 11 prints out the input amount of money on the recording (receipt) paper 10. Then, when the sales total key 14b is operated in S13, the total processing of the sales amount for one customer is completed, so the card balance read from the card information memory 18c in S14 is equal to or more than the total amount of the total memory 18b. Make sure that. After that, in S15, the total amount is subtracted from the card balance to calculate a deduction balance that becomes a new card balance. Then, the total amount and the balance of deduction are displayed on the display unit 8. Next, in S16, as shown in FIG. 7, the device number (terminal number) 22, the total amount, the balance as a card balance, the member number read from the card information memory 18c, and the receipt number 23 are recorded ( Receipt) Print out on paper 10.

At S17, 1 is added to the number of times of use up to the previous time stored in the card information memory 18c. That is, the number of times the card information memory 18c is used is updated. Then, the updated number of uses up to this time is printed out on the recording (receipt) paper 10. Next, the sales data of this time such as the total amount and the member number are registered in the sales totalization file 18a. In S18, the card balance of the card information memory 18c is updated to the previously calculated deduction balance. Further, in S19, the previously used amount of money in the card information memory 18c is updated to the current amount of money.

Then, in S20, the balance area 3e of the card 1 inserted into the card insertion slot 7, the previously used amount area 3f, and the number-of-uses area
The updated card balance, the previously used amount, and the number of uses stored in the card information memory 18c are written in 3g. Then, the card 1 after each card information is updated is ejected.

It should be noted that the punch holes 4 are formed according to the updated card balance.

Finally, as shown in FIG. 7, the recording (receipt) paper 10 on which the sales data and the card information are printed is discharged.

In the card transaction device 5 configured as described above, the card 1 includes, as shown in FIG. 2, in addition to the card balance which is sequentially reduced in response to the card payment.
The previously used amount of money when the price is paid using is stored. Therefore, when a new product is purchased at a store using this card 1, when the card 1 is inserted into the card insertion slot 7, the current card balance is displayed. And
In that state, when the previous used amount confirmation key 14c of the keyboard 6 is operated, the previously used amount is displayed.

Therefore, even if the customer remembers the wrong card balance and inserts the card 1 into the card insertion slot 7 and the actual card balance is less than the customer's expected card balance, If you operate the 14c key, the amount used last time is displayed, so even as a customer,
Recalling the previous amount spent, you can be convinced that your current card balance is valid.

In addition, it is not a mistake of the card user, and even if a third party different from the card holder purchases the product using the card without permission of the card holder, the amount used can be specified. The analogy of a third party can be facilitated.

In this way, the previous usage amount of the corresponding card can be confirmed if necessary, so that the service to the customer can be improved and trouble with the customer regarding the card balance can be prevented. Therefore, the reliability of the entire card system can be improved.

Further, in addition to the previously used amount of money described above, the number of times of use up to the previous time is stored in the card and displayed on the display unit 8 together with the previously used amount of money. For example, refer to the receipt shown in FIG. It is possible to specify the previous usage status. In addition, since the same content as the printed content of a receipt is usually printed on an internal recording paper called a journal,
You can search the journals saved as a copy in the store to grasp the past usage status.

Also, in general, the card 1 will be damaged and the card insertion slot 7
When all the card information is not correctly read even when inserted into the card, the card 1 is discharged as unreadable, but in this embodiment, when unreadable is displayed, it is used last time. When the amount confirmation key 14c is keyed in, the card balance with the reading error still occurring and the previously used amount are displayed. For example, in the case of an accurate card balance [5200], if the third digit numerical data could not be accurately read, [5 00] is displayed. Therefore, when the card 1 is reissued according to the customer's request, since it can be confirmed that the card balance of at least 5000 yen exists, the card balance of 5000 yen is written and the card 1 may be reissued. That is, the service to customers can be further improved.

FIG. 10 is a diagram showing stored contents of a magnetic stripe of a card used in a card transaction device according to another embodiment of the present invention. In this embodiment, instead of the number-of-uses area 3g of the magnetic stripe shown in FIG.
h, 3i are formed. And this last used number area 3
For h and 3i, the receipt number 23,
And the device number of the card transaction device that handled this card
22 is stored.

Then, the receipt number 23 and the device number 22 are read and displayed in the same procedure as the number of times of use up to the previous time described above. And when this card transaction processing is completed,
The receipt number and device number will be updated.

As described above, since the previous receipt number 23 and the device number 22 are stored in the card 1 together with the previous usage amount, it is possible to more reliably specify the previous usage status and further improve the above-mentioned effects.

[Effects of the Invention] As described above, in the card transaction device of the present invention, in addition to the normal card balance in the prepaid card, the previously used amount and the number of times of use up to the last time are stored, for example, to meet a customer request. Accordingly, the usage status up to the previous time can be easily displayed.

Therefore, the service to the customer can be improved, and the transaction with the customer using the prepaid card can be smoothly executed. As a result, the reliability of the entire prepaid card system can be improved.

In addition, when a large number of small-priced products are purchased using a high-value faced prepaid card, the number of times of writing / reading data to / from a single prepaid card increases, and depending on conditions such as durability of the card material, writing There is a concern that a read error will occur. Therefore, when the write / read operation is performed a certain number of times, the corresponding prepaid card is collected and a new prepaid card in which the card balance at that time is written is issued to further improve the reliability of the entire system. It is also possible.

Furthermore, there is a certain limit to the amount of information that can be stored in the magnetic stripe of a prepaid card, so by checking the previous amount of money used and the number of times it has been used,
The customer can roughly estimate the past purchase progress using this prepaid card. That is, the small storage capacity of the prepaid card can be effectively used.

[Brief description of drawings]

1 to 9 show a card transaction device according to an embodiment of the present invention. FIG. 1 is an external view of the card, and FIG. 2 is a view showing each card information stored in the card, Third
FIG. 4 is an external view showing a card transaction device, FIG. 4 is a key arrangement diagram of a keyboard, FIG. 5 is a block diagram showing a schematic configuration of the card transaction device, and FIG. 6 is a diagram showing each memory formed in a storage unit. FIG. 7 is a diagram showing the print contents of recording (receipt) paper, and FIGS. 8 and 9 are flow charts showing the operation.
FIG. 10 is a diagram showing each card information stored in the card in the card transaction device according to another embodiment of the present invention. 1 …… Card, 3 …… Magnetic stripe, 3c …… Member number area, 3d …… Card number area, 3e …… Balance area, 3f ……
Previously used amount area, 3g …… Number of times used area, 3h, 3i …… Last used number area, 5 …… Card transaction device, 6 …… Keyboard, 7 …… Card slot, 8 …… Display section, 11 …… Printer, 12 ... Numeric key, 14b ... Sales total key, 14c ... Previous usage amount confirmation key, 15 ... CPU, 18 ... RAM, 18b ... Total memory, 18c ... Card information memory, 19 ... … Card reader / writer.

Claims (1)

(57) [Claims] 1. A card balance recorded in a balance area (3e) of a prepaid card (1) inserted from a card insertion slot (7) is read by a card reader / writer (19) and input from a keyboard (6). In a card transaction device that writes out the card balance after deducting the sales amount from the card balance to the balance area of the prepaid card with the card reader / writer and discharges it, for inputting a previous usage amount confirmation instruction Instruction input means (14
c), a previous usage amount reading means (S2) for reading the previous usage amount stored in the previous usage amount area (3f) of the prepaid card inserted from the card insertion opening together with the card balance, and from the card insertion opening Usage count reading means (S2) for reading the usage count up to the previous time stored in the usage count area (3g) of the inserted prepaid card together with the previous usage charge, and the previous usage charge confirmation input by the instruction input means. In response to the instruction, the previous usage amount display means (S11) for displaying the previous usage amount and the usage frequency up to the last time read by the previous usage amount reading means and the usage frequency reading means, and the sales input from the keyboard. A previous amount-of-use updating means (S19) for writing the amount into the previously-used amount area of the prepaid card inserted from the card insertion slot, and an updating operation in the previously-used amount updating means. In response,
A card transaction device, comprising: a use count update means (S17, S20) for updating the use count of the use count area of the prepaid card.