JP2793659B2 - Payment processor - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention] (Industrial application field) The present invention relates to a payment processing device using a card.

(Prior Art) Conventionally, for example, a paper coupon has been distributed as a sales promotion measure for a specific product or a group of products, and a cashier has entered a discount amount of the coupon voucher based on the coupon voucher based on the coupon voucher. In addition to calculating the total payment amount, the coupon is used as a discount voucher.

(Problems to be Solved by the Invention) However, when a cashier inputs a discount amount by a key as in the related art, it takes much more time and effort to input a key than a discount amount as a benefit of the consumer, and the overhead costs are increased. Is high,
Furthermore, there is a problem that the rate of unauthorized use in which the number of purchased products does not match the coupon discount increases.

The present invention has been made in view of the above problems, and has as its object to provide a payment processing device that can pay a prepaid card without performing an operation such as a key input only for a product that meets predetermined conditions. I do.

[Configuration of the invention]

(Means for Solving the Problems) A payment processing device according to the present invention includes a card in which amount information is stored, a read / write unit that reads the amount information of the card and writes the amount information, and registers a product and an amount. Product registration means, a condition identification means for identifying whether or not a product registered by the product registration means conforms to a preset condition, and a product identification Subtracting means for subtracting the amount from the read amount information to set new amount information, total amount calculating means for summing the amounts of the goods registered by the goods registering means, and condition matching means by the condition identifying means Then, a card summing means for summing up the amounts of the identified goods, and a total payment amount for subtracting the total amount of the card totaling means from the total amount calculated by the total amount calculating means. Means, and printing means for printing the amount summed up by the card summing up unit and the amount subtracted by the payment amount summing up unit.

(Operation) In the present invention, the reading / writing means reads the price information of the card, and the product registration means registers the product and the price of the product. Then, whether or not the product registered by the product registration means matches the condition is identified by the condition identification means, and the subtraction means determines the amount of the product identified as meeting the condition by the read / write means of the card read by the reading / writing means. The new amount information is set by subtracting from the amount information. The total amount calculating means sums up the amounts of the goods registered by the goods registering means, the card totaling means sums up the amounts of the goods identified as meeting the conditions by the condition identifying means, and furthermore, Then
The total amount calculated by the card totaling unit is subtracted from the total amount calculated by the total amount calculating unit. Then, the printing unit prints the sum totaled by the card summing unit and the sum calculated by the payment sum totaling unit.

(Embodiment) Hereinafter, an embodiment of the payment processing apparatus of the present invention will be described with reference to the drawings.

In FIG. 1, reference numeral 1 denotes a prepaid card such as a magnetic card or an IC card in which amount information is stored.
The prepaid card 1 is read by the card reader / writer 2 which is a card terminal as a reading / writing means, and the money information is written. Reference numeral 3 denotes a merchandise registration means. The merchandise registration means 3 is formed by, for example, a keyboard or a barcode scanner of a cash register of a POS system, and registers merchandise and the price of the merchandise. In addition, a condition identification unit 4 that determines whether or not a product registered by the product registration unit 3 matches a preset condition is connected to the product registration unit 3. Further, the condition identification means 4 is connected to the card reader / writer 2 via the subtraction means 5, and the subtraction means 5 uses the card reader / writer 2 to calculate the amount of the commodity identified as meeting the condition by the condition identification means 4. New amount information is set by subtracting from the read amount information, and is sent to the card reader / writer 2. The commodity registration means 3 is connected to a total price calculation means 6 for summing up the prices of the commodities registered by the commodity registration means 3, and the condition identification means 4 is connected to the condition identification means 4 when the condition is met. A card summing means 7 for summing the amounts of the identified commodities is connected. Further, the total sum calculating means 6 and the card summing means 7 are connected to the total sum calculated by the total sum calculating means 6 by the card summing means 7. The payment amount totaling means 8 for subtracting the total amount is connected. The card totaling means 7 and the payment totaling means 8 are connected to, for example, a receipt printer 9 as printing means for printing the total amount calculated by the total total amount calculating means 6 and the total amount calculated by the total payment totaling means 8. ing.

 Next, the operation of the above embodiment will be described.

First, the prepaid card 1 is kept, the prepaid card 1 is inserted into the card reader / writer 2 (step), and conditions such as, for example, merchandise, merchandise group, amount, or company stored in the prepaid card 1 are read by the card reader / writer 2. (Step). Next, the merchandise registration means 3 registers the merchandise and the price of the merchandise (step), and determines whether or not the registered merchandise is a merchandise satisfying a preset condition (step). Is determined by the condition identification means 4 as to whether or not all conditions are satisfied (step). If all conditions are satisfied, the registered amount of the product is read (step), and the prepaid card 1 The balance is read (step), and it is determined whether the balance of the prepaid card 1 is equal to or more than the price of the commodity as the price information of the prepaid card 1 (step). A new balance is set by subtracting the amount of the product from the balance (step). If the balance of the prepaid card 1 is not equal to or more than the amount of the product, the prepaid card 1 is subtracted by the subtracting means 5. The balance amount is subtracted (step), and outputs balance the card reader and writer 2, for example tables (step). If it is determined in step that the product does not meet the conditions, it is determined that all the conditions are not satisfied in step, and it is determined whether or not the registration is completed (step). When the registration is completed, the total amount is calculated by the total amount calculating means 6 (step), and the total amount is displayed on the amount display section of the cash register (step). Next, the payment amount of the prepaid card 1 is summed up by the card summing means 7 (step), and the prepaid sum totaled by the card summing means 7 from the total amount calculated by the total amount calculation means 6 by the payment amount summing means 8. The amount paid by the card 1 is subtracted to calculate the amount paid by cash or the like (step), for example, the amount of payment is displayed on the amount display part of the cash register (step), and the prepaid card 1 is transferred from the card reader / writer 2 to the card reader / writer 2. Discharge (step). Then, the user deposits cash and the like, inputs the deposit amount of cash and the like (step), and subtracts the payment amount obtained by the payment amount totaling means 8 from this amount to calculate a change (step). The change amount is displayed on the section (step), and printed on the receipt 10 by the receipt printer 9 (step).

In addition to the items normally described as shown in FIG. 3 or FIG. 4, the receipt 10 indicates that the payment has been made by the prepaid card 1, and indicates the purchase price of the product calculated by the total price calculation means 6. The total, the total amount paid by the prepaid card 1, the total amount paid by cash and the like, the balance of the prepaid card 1, and the like are described.

Further, the amount paid by the prepaid card 1 is not limited to the amount of the commodity as in the above embodiment, but can be used as a part or a fixed ratio of the amount of the commodity for discounting the commodity.

Furthermore, the conditions for payment with prepaid card 1 are as follows:
The input is not limited to the case where the information is stored in the prepaid card 1, and may be input using a keyboard or the like of a cash register.

Further, the subtraction of the prepaid card 1 may not be performed for each product, but may be performed after summing up the amounts of all the products.

Then, for example, when the issuer of the prepaid card 1 is a maker, the company name of the product or the product of the company, the discount amount per product, and the number of usable products are recorded on the prepaid card 1, and the prepaid card 1 is stored. The prepaid card 1 can be provided to consumers at no cost or sold at low cost, and the prepaid card 1 can be used as a discount ticket or a card for free provision. If the issuer is a retail store, the prepaid card 1 stores the product or group of products to be strengthened and conditions such as the amount of discount per transaction, and provides the prepaid card 1 to consumers at no cost or at low cost. In addition, it is possible to enhance sales of a specific section as a coupon.

Furthermore, if the amount paid by the prepaid card 1 is accumulated and stored, the discount amount can be automatically input. Therefore, by using the prepaid card 1 as a coupon, the payment operation including the coupon processing can be performed. Can correspond to the POS system.

〔The invention's effect〕

According to the present invention, only the products identified as meeting the conditions by the condition identifying means are subtracted from the card, so that the key input operation or the like is performed only on the products meeting the predetermined conditions. Without having to pay with a prepaid card.

[Brief description of the drawings]

FIG. 1 is a block diagram showing the configuration of one embodiment of the present invention, FIG. 2 is a flowchart showing the same as the above, and FIGS. 3 and 4 show receipts. 1 ... prepaid card, 2 ... card reader / writer as reading / writing means, 3 ... product registration means, 4 ... condition identification means, 5 ... subtraction means, 6 ... total amount calculation means,
7: Card totaling means, 9: Receipt printer as printing means.

Claims (1)

(57) [Claims] 1. A card in which amount information is stored, a read / write means for reading the amount information of the card and writing the amount information, an article registration means for registering goods and metals, and a registration by the article registration means. A condition identifying means for identifying whether or not the set product meets a preset condition; and subtracting the amount of the product identified as meeting the condition by the condition identifying means from the read amount information to obtain a new value. Subtraction means for setting appropriate price information; total price calculation means for totalizing the price of the product registered by the product registration means; and card total for totaling the price of the product identified as meeting the condition by the condition identification means. Means, payment total means for subtracting the total amount of the card total means from the total amount calculated by the total amount calculating means, Payment processing apparatus characterized by comprising a printing means for printing the amount of money is subtracted by the amount and the payment amount summing means.