JP2852857B2 - Card processing system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card processing system for managing the balance of issued prepaid cards.

[0002]

2. Description of the Related Art A prepaid card (hereinafter, referred to as a card) in which value information is recorded in advance and sold, such as a card used in various devices such as a public telephone and a vending machine, can be used even if there is no cash. It is useful for purchasing goods and goods. In other words, when this card is inserted into the card reader built in each device at the time of calling or purchasing goods,
The value information corresponding to the number of calls and the purchase price of the article is subtracted from the value information of the card by the card reader and returned.

[0003]

A card of this kind has one
Not all value information is lost by using the card more than once, and the card is often used up more than once. In such a case, it is important for the issuing and selling side of the card to understand the usage status of the card, such as the unpaid balance of the card and the card use cycle, in formulating a future business plan. Problem. However, at present, it is difficult to grasp the usage status of each card because the information described above is insufficient.

Accordingly, an object of the present invention is to accurately grasp the unpaid balance and usage status of each card already sold.

[0005]

In order to solve such a problem, the present invention provides a memory in which the usage amount of a card is accumulated, and a method of accumulating the usage amount in a memory according to the issue date reproduced from the card. and a control means is provided, and the memory for a plurality of years area <br/> a to spend for each year and month from the date of date is sequentially accumulated respectively stored among publication date of the utilized card Of the above months, the year including the old year is the latest year, and the usage amount for each year is
Provided a plurality of the year areas are respectively accumulated memory, the control means when issuing date of the utilized card is newer than the latest date issued date cumulative spend for each date area
Stores the usage amount of the card into the shift based on the latest date and the latest date area, in which so as to update each cumulative spend each year areas. Means for inputting in advance the total amount for each issue date when each card is issued, and subtracting each usage amount accumulated in the memory from the total amount to calculate a balance for each issue date of the card. Is provided.

[0006]

[Function] If the issued date of the used card is newer than the latest date, the accumulated usage amount of each year / month area is shifted, the usage amount is stored in the latest year / month area, and each of the respective year areas is The accumulated usage amount is updated. Therefore, the usage status of the card can be grasped with a small memory capacity. In addition, the usage amount accumulated for each issue date in the memory is subtracted from the total amount for each issue date when each card is issued. As a result, the balance of the already issued card can be properly grasped.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the present invention will be described with reference to the drawings. FIG. 3 is a block diagram showing a system configuration of the card processing system according to the present invention. The center apparatus 1 has a POS (point of sale) via a telephone line L.
s) 2 are connected, and a card reader device 3 is connected to each POS 2.

FIG. 2 is a block diagram showing the configuration of the POS2. In the figure, reference numeral 21 denotes a CPU, and 22 denotes an RS-232C.
A signal line; 23, an interface circuit for transmitting and receiving data to and from the card reader device 3 via the RS-232C signal line 22; 24, a communication processing unit for performing data communication with the center device 1 via the telephone line L; Reference numeral 25 denotes a ROM for storing a program to be executed by the CPU 21. 26 is a RAM for storing various data, 27 is an operation unit,
28 is a display unit.

FIG. 1 is a block diagram of the card reader device 3. In the figure, reference numeral 31 denotes a control circuit constituted by a CPU or the like; 32, an RS-232C signal line;
An interface circuit 34 for transmitting and receiving various information to and from the POS 2 via the 32C signal line 32. The interface circuit 34 records information on the card 40 when the card 40 which has already been sold to the user and on which value information (money information) is recorded is used. This is a magnetic recording / reproducing circuit for performing reproduction via a magnetic head HD.
A motor driving circuit 35 drives the motor M to convey the card 40 inserted in the apparatus, and 36 denotes a card 4
A puncher driving circuit for driving a puncher PS for punching 0 is a memory.

Next, the general operation of the system configured as described above will be described. When the card 40 is inserted into the card reader device 3 at the time of purchasing an article or the like and paying the price, the control circuit 31 controls the motor drive circuit 35 to drive the motor M. As a result, the card 40 is transported on the transport path,
When reaching the position of the magnetic head HD, the control circuit 31 reads the amount information of the card 40 via the magnetic head HD and the magnetic recording / reproducing circuit. Then, the operation unit 27 of the POS2
When the debit amount (usage amount) is input by the operation of, this is detected by the CPU 21 of the POS 2 and sent to the card reader device 3 via the RS-232C signal lines 22 and 23 as debit amount information. When receiving the debit amount information, the control circuit 31 in the card reader device 3 subtracts the debit amount information from the read amount information of the card 40. Then, the magnetic recording / reproducing circuit 34
To drive the magnetic head HD to record the balance information on the card 40, and also drive the motor M to return the card 40. Note that this debit amount information is transmitted to the center device 1 via the communication processing unit 24 of the POS 2 and the telephone line L, and is totaled.

By the way, the date of issue is recorded on the card 40, and the card reader device 3 can manage the total settlement of each card used based on the date of issue. FIG. 4 shows a format for ascertaining the total settlement of each card used. A data area based on such a format is provided in the memory 37 of the card reader device 3.

That is, as shown in FIG.
Each area of the device number of the apparatus, the sales amount, and the number of sales is provided in order from the top area. Subsequently, the settlement accumulated amount area of each card used in the present apparatus is provided in order from the latest year / month area as a year / month area for 24 months. Subsequently, a base date data area indicating the date of the latest settlement accumulation amount area is provided. Further, of the above 24 months, the date partially overlaps with the old date, but following this date, the newest date of the year follows. To A, B, and C are provided. Here, each fiscal year is, for example, from April 1 to March 31 of the following year, and can be stored in a total of up to four years by adding the total amount of settlement for the above-mentioned 24 months newer than these fiscal years. ing.

As described above, in the memory 37 of the present apparatus, the settlement total area for each year and each year according to the date of card issuance is provided, and when the card 40 is used, the settlement amount becomes the first. For two years, the total is calculated every month, and thereafter, the total is calculated every year.

Next, the main part of the operation of the card reader device 3 will be described with reference to the flow charts of FIGS. When the card 40 is inserted into the apparatus at the time of purchasing an article or the like and the payment is made, the control circuit 31 detects the insertion of the card 40 via a sensor (not shown). When the determination of "insert card" in step ST1 of FIG. 6 becomes "Y", the card 40 is transported to the position of the magnetic head HD, and in step ST2, the contents of the card 40, that is, the amount information recorded on the card 40, Read the issue date and other information. Then, the control circuit 31 determines in step ST3 whether or not the content of the read card is normal, and proceeds to step ST4 if the content of the card is normal.

In step ST4, the inserted card 40
Is received from POS2.
Subsequently, in step ST5, the contents of the card are rewritten based on the received debit amount information, and in step ST6, an addition process is performed on a settlement area shown in FIG. 7 described later, and then the card 40 is ejected in step ST7.

Next, the state of execution of the addition processing for the settlement area by the control circuit 31 will be described with reference to the flowchart of FIG. Here, the settlement area refers to each year and month area and each year area of the memory 37 for storing the accumulated settlement amount of the card. When the card 40 is used, the control circuit 31 corresponds to the issue date of the card 40. The debit amount information is added to the settlement accumulated amount of the area to be paid. That is,
In step ST11, the reference year / month data indicating the storage area of the settlement total amount of the latest issued card in the memory 37 is subtracted from the read card issue date, and the difference is set as α.

Then, in step ST12, it is determined whether or not the year difference α is larger than “0” months. Here, if the issued date of the read card 40 is equal to or older than the reference date data, and the date difference α is smaller than “0” months, the determination in step ST12 is “N”, In this case, the withdrawal amount of the used card 40 is added to the settlement accumulation amount in any one of the year-month area and the year area in the memory 37.

That is, in this case, the process first proceeds to step ST13, and the card 4 is stored in each year and month area of the memory 37.
Judge whether there is an area corresponding to the issue date of 0,
If the corresponding date exists, in step ST14, the debit amount of the card 40 is added to the total settlement amount of the area, and the process proceeds to step ST15. If there is no card corresponding to the issued date of the used card 40 in each year / month area, the process proceeds to step ST15. Step ST
At 15, it is determined whether or not an area of the year corresponding to the issue date of the used card 40 exists in the memory 37,
If the corresponding year area exists, the debit amount of the card 40 is added to the accumulated total amount of the year area in step ST16.

On the other hand, the issuance date of the used card 40 is newer than the reference date data, so that the year difference α is “0”.
If it is longer than months, the determination in step ST12 is “Y”. In this case, first, in step ST1
7, the reference date data area in the memory 37 is rewritten to the issue date of the card 40 used, and
At T18, the data in each year / month area is totaled by year, and the total amount is temporarily saved in a separate area of the memory 37. Next, in step ST19, the contents of the year / month area are shifted by the number of months corresponding to the year / month difference α, and as a result of the shift, the latest year / month area (N year in FIG. In step 20, the withdrawal amount of the card 40 is set in the "X month settlement total amount area".
In this case, if α indicates, for example, two months, “0” is set in the settlement total amount area for N years X-January in FIG.
In the settlement area after X-February X, a card 4
Prior to the use of 0, each settlement total for N years and X months is set, and the two oldest year and month areas (N years X-
(February, N-year, X-February) is discarded. In this manner, the card withdrawal amount can be accumulated by effectively utilizing the given small memory capacity.

Due to the shift of the date area, the settlement accumulated data of the oldest date area is discarded.
The last part of the year / month area (year X-22, year N-23)
If the year corresponding to the old year-month area (month, etc.) is different from the year before the use of this card 40, the accumulated total data of this year already saved in step ST18 is used in step 21 for the year A. A as the accumulated total data
Set in the year area. Subsequently, in step ST22, the settlement total data of year A before card use is set in the B year area, and in step ST23, the settlement total data of year B before card use is set in the C year area.

In this manner, every time the card 40 is used, the settlement amount of each year area and each year area of the memory 37 of the card reader device 3 is rewritten according to the card use amount and the issue date. It is accumulated. And
By transmitting the payment total amount of such a card to the POS 2 and displaying it on the display unit 28, the usage status of the card can be accurately grasped. In addition, for example, the total amount of each card issued and sold in a period of, for example, two years is sent to POS2 in advance, and the accumulated total amount of the used card for each month is subtracted from the total amount in POS2. For example, as shown in FIG. 5, the transition status of the unpaid balance of the card can be displayed on the display unit 28. Therefore, the unpaid balance of the issued card can be accurately grasped and effectively used for a future card issuance plan. it can. It should be noted that the accumulated settlement amount of the card used in each card reader device 3 is represented by POS
If the data is periodically transmitted to the center device 1 via the second device 2, the center device 1 can collectively manage the usage status of all the cards.

[0022]

According to the present invention described above, according to the present invention, comprising a memory usage amount of available card response shiso is accumulated in the issued date of the card that is played when the use of the card, of the utilized card If the issue date is later than the latest date stored in the memory, the accumulated usage amount of each year / month area in the memory is shifted, the usage amount is stored in the latest year / month area, and Since the accumulated usage amount is updated, there is an effect that the usage status of the card can be grasped by effectively utilizing the small memory capacity. In addition, since the amount of use for each issue month accumulated in the memory is subtracted from the total amount for each issue month when each card is issued, the unpaid balance of already issued cards is properly grasped. There is an effect that can be done.

[Brief description of the drawings]

FIG. 1 is a block diagram of a card reader device constituting a card processing system according to the present invention.

FIG. 2 is a block diagram of a POS constituting the card processing system.

FIG. 3 is a block diagram of the card processing system.

FIG. 4 is an explanatory diagram showing a memory configuration of the card reader device.

FIG. 5 is a graph showing a transition of an unpaid balance of a card managed in the system.

FIG. 6 is a flowchart showing an operation of the card reader device.

FIG. 7 is a flowchart showing the operation of the card reader device.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 center device 2 POS 3 card reader device 21 CPU 22, 32 RS-232C signal line 23, 33 interface circuit 24 communication processing unit 27 operation unit 28 display unit 31 control circuit 34 magnetic recording / reproducing circuit 35 motor drive circuit 37 memory 40 prepaid Card (card) HD Magnetic head M Motor L Telephone line

──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Kazura Kobayashi 2-3-2 Shimomeguro, Meguro-ku, Tokyo Inside Tamura Electric Works, Ltd. (72) Inventor Toshiaki Watanabe 1-1-11 Higashikanda, Chiyoda-ku, Tokyo No. 2 Inside U Card Co., Ltd. (72) Inventor Toshito Amemiya 1-1-2 Higashi Kanda, Chiyoda-ku, Tokyo Inside U Card Co., Ltd. (56) References JP-A-5-181981 (JP, A) ( 58) Fields investigated (Int.Cl. ⁶ , DB name) G07F 7/08 B42D 15/10 551 G06K 17/00 G11B 19/02 521

Claims (2)

(57) [Claims] 1. A pre-amount information card processing system for managing the use amount of the recording has been issued prepaid card with issuing date, and memory usage amount of the prepaid card are accumulated,
Control means for accumulating the usage amount in the memory in accordance with the issue date reproduced from the prepaid card ,
The memory shows the year of issuance of the prepaid card used.
Monthly usage amount for each year and month
A plurality of year / month areas to be accumulated and stored;
The most recent year, including the year that is older
The usage amount for each year is accumulated and stored in order from
Number of year areas and the control means are used
The issue date of the prepaid card is newer than the latest
If necessary, the cumulative usage amount of each year / month area is
And shift to the latest date area
While storing the usage amount of the prepaid card,
A card processing system characterized by updating each accumulated usage amount in each year area . 2. The card processing system according to claim 1, wherein each of the prepaid cards is issued at a time of issuance.
Enter the total amount in advance and, based on this total amount,
Reduce each usage amount accumulated in Mori
A card processing system comprising means for calculating a balance for each issue date .