JP3290454B2 - Prepaid card refund control method and settlement device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

(Table of Contents) Industrial Application Field Conventional Technology (FIG. 5) Problems to be Solved by the Invention Means for Solving the Problems (FIG. 1) Action Embodiment (a) Description of One Embodiment (FIG. 2) To FIG. 4) (b) Description of Another Embodiment Effect of the Invention

[0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card withdrawal control method and a payment device for controlling the withdrawal of a prepaid card in a prepaid card system in which a prepaid card can be purchased with a personal identification card.

In recent years, a prepaid card system for paying cash in advance, purchasing a prepaid card corresponding to the amount of cash, and paying for merchandise purchase and service payment using the prepaid card has been actively used.

[0004] Prepaid cards do not require the customer to count cash, can be settled only by inserting the card, and the store does not need to transfer cash. It is expected to spread in fields that require delivery.

[0005] In addition to cash, such prepaid cards are purchased with personal identification cards such as ID cards and credit cards, and the use of such cards is popularized. Since the payment is made after payment such as salary or direct debit, there is a problem of refund of the remaining amount of the prepaid card purchased with such personal identification card,
Measures are needed.

[0006]

2. Description of the Related Art FIG. 5 is an explanatory diagram of the prior art. FIG.
Indicates a cafeteria prepaid card system in a company, a controller 4 which provides a prepaid card payment machine 3 such as a register terminal via a local line, a prepaid card issuing machine 1 which issues a prepaid card 6 with cash or an ID card 5,
The prepaid card 6 is connected to the prepaid card settlement machine 2 for paying out the remaining cash of the prepaid card.

The ticket-issuing machine 1 issues a prepaid card 6 in which a cash flag indicating the purchase by cash and an amount are written by inputting cash and designating the amount.
The ID card 5 of the employee or the like is read, and when it is determined that the ID card 5 is valid, a prepaid card 6 in which an ID flag indicating purchase with the ID card and a designated amount are written is issued.

[0008] For the purchase by the ID card 5,
The controller 4 is notified and the purchase amount corresponding to the ID number is added and deducted from the salary. The prepaid card 6 is obtained by taking various single items or the like in an employee cafeteria or the like, inserting it into the settlement machine 3 such as a cash register terminal, subtracting the used amount from the amount information, writing the remaining amount, and returning the card.

On the other hand, when the remaining amount of the prepaid card 6 becomes small, even if the prepaid card 6 with a small remaining amount is used, the amount does not reach the usage amount. The payment must be made with the payment machine 3 using the prepaid card 6, which is not only troublesome but also reduces the efficiency of the payment machine 3.

For this reason, the settlement machine 2 is provided to read the balance of the prepaid card 6 and refund the cash of the remaining amount, refund the balance of the prepaid card 6 with a small balance, and purchase a new prepaid card 6. Make it available.

Conventionally, this prepaid card 6 is refunded
Limited to cash purchase, ID card 5
Refunds were prohibited. The reason for this is that in the case of cash purchase, cash is paid in advance, so there is no problem.
In the case of purchases, the cash payment is deferred,
If refunds were allowed, they would be paid in advance, such as salaries.

[0012]

However, the prior art has the following problems. Even with the prepaid card 6 using the ID card 5, when the remaining amount becomes small, a new prepaid card 6 must be purchased and settled with a plurality of prepaid cards 6, and in some cases, it is necessary to own a large number of prepaid cards 6. Yes, it is troublesome.

If a payment is made using a plurality of prepaid cards 6, it takes a long time to check out the payment machine 3, and the efficiency of the checkout deteriorates. Therefore, an object of the present invention is to provide a prepaid card refund control method that enables a refund of a prepaid card with little cash even if the prepaid card is purchased with a personal identification card.

[0014]

FIG. 1 is a diagram illustrating the principle of the present invention. Claim 1 of the present invention is a cash and personal identification card 5.
Thus, in a prepaid card system including a card issuing means 1 for issuing a prepaid card 6 recording amount information and a settlement means 2 for reading the prepaid card 6 and refunding the remaining amount, the card issuing means 1
When the prepaid card 6 is issued by the personal identification card 5, the personal identification card 5 is added to the prepaid card 6.
The payment means 2 issues and records the information indicating the issuance of the prepaid card 6 by reading the prepaid card 6 and that the payout period of the prepaid card 6 has not ended. Is detected, the balance of the prepaid card 6 is compared with the refund limit, and when it is detected that the balance exceeds the refund limit, the refund of the prepaid card 6 is not performed. And
Claim 2 of the present invention is based on the cash and personal identification card 5.
Issue a prepaid card 6 in which the amount information is recorded.
Read the card issuing means 1 and the prepaid card 6
Prepayment with payment means 2 for refunding the balance
In the credit card system, the personal information for a predetermined refund period
Cumulative amount of refund of the prepaid card 6 by another card 5
A file means 41 for storing is provided.
Of the prepaid card 6 by the personal identification card 5
At the time of issuance, the prepaid card 6 contains the personal identification card.
About the personal identification information of the card 5 and the refund period of the card 6
The payment means 2 records and issues the information.
By reading the paid card 6, the personal identification card 5 is read.
Is issued by the prepaid card
It is determined whether the refund period of 6 is over, and the refund period is
If it has not been completed, the personal identification information
The corresponding refund accumulated amount of the means 41 is read, and
The sum of the accumulated refund amount and the balance is calculated, and the sum and the refund accumulation limit are calculated.
Compared to the amount, the sum exceeds the cumulative refund limit
When the payment is detected, the prepaid card 6 is refunded.
The sum does not exceed the cumulative refund limit.
When issued, the file means 41 is updated with the sum.
To refund the remaining amount of the prepaid card 6.
Sign.

According to a third aspect of the present invention, there is provided a prepaid card 6 in which amount information is recorded using a cash and personal identification card 5.
Card issuing means 1 for issuing a prepaid card 6
In the prepaid card system provided with the settlement means 2 for reading the remaining amount and paying out the balance, a file means 41 for storing the accumulated amount of refund of the prepaid card 6 by the personal identification card 5 during a predetermined refund period is provided, The means 1 records the personal identification information of the personal identification card 5 and the information regarding the refund period of the card 6 on the prepaid card 6 when the prepaid card 6 is issued by the personal identification card 5, and issues the card. And the settlement means 2
Detects that the prepaid card 6 has been issued by the personal identification card 5 by reading the prepaid card 6 and determines whether or not the refund period of the prepaid card 6 has expired. Is the prepaid card 6
The refund limit is compared with the refund limit.
If the prepaid card is detected
No refunds are made and the balance does not exceed the refund limit.
When it is detected that the total amount of refunds is read out from the file means 41 based on the personal identification information, the sum of the readout refund amount and the remaining amount is calculated, and the sum and the refund amount limit are calculated. In comparison, when it is detected that the sum exceeds the refund accumulation limit, the refund of the prepaid card 6 is not performed, and when it is detected that the sum does not exceed the refund accumulation limit, The file means 41 is updated with the sum, and the remaining amount of the prepaid card 6 is refunded. Claim 4 of the present invention is a cash and personal identification car.
Prepaid with price information recorded issued by C5
Settlement means 2 that reads card 6 and refunds the balance
A prepaid card settlement device provided with the personal identification
The prepaid card 6 issued by the card 5 includes:
Information indicating issuance by the personal identification card 5 is recorded,
The payment means 2 reads the prepaid card 6
Issued by the personal identification card 5 and
Detects that the refund period for id card 6 has not expired
And compare the remaining amount of the prepaid card 6 with the refund limit
And it is detected that the balance exceeds the refund limit.
At the time, the refund of the prepaid card 6 is not performed.
Sign.

Claim 5 of the present invention is a payment means 2 for reading a prepaid card 6 recorded with money amount information issued by a cash and personal identification card 5 and refunding the remaining amount.
A prepaid card settlement device comprising: a file means 41 for storing an accumulated amount of refund of the prepaid card 6 by the personal identification card 5 during a predetermined refund period, wherein the prepaid card issued by the personal identification card 5 is provided. 6 stores the personal identification information of the personal identification card 5 and the information regarding the payout period of the card 6, and the settlement means 2 reads the prepaid card 6 and issues it by the personal identification card 5. It is determined whether or not the refund period of the prepaid card 6 has expired, and if the refund period has not expired, the corresponding refund accumulated amount of the file means 41 is determined by the personal identification information. Read out, calculate the sum of the readout refund accumulated amount and the remaining amount,
The sum is compared with the accumulated refund limit, and when it is detected that the sum exceeds the accumulated refund limit, the refund of the prepaid card 6 is not performed, and the sum is set to the accumulated refund limit. When it is detected that the number has not exceeded, the file means 41 is updated with the sum, and the remaining amount of the prepaid card 6 is refunded. Claim 6 of the present invention is a prepaid card settlement apparatus comprising a settlement means 2 for reading a prepaid card 6 recorded with money and personal information issued by a cash and personal identification card 5 and refunding the remaining amount. File means 4 for storing the accumulated refund amount of the prepaid card 6 by the personal identification card 5 during the refund period.
The prepaid card 6 issued by the personal identification card 5 records personal identification information of the personal identification card 5 and information on a refund period of the card 6, and the settlement means 2 By reading the prepaid card 6, it is detected that the card has been issued by the personal identification card 5, and it is determined whether or not the refund period of the prepaid card 6 has expired. The balance of the prepaid card 6 is compared with the refund limit, and when it is detected that the balance exceeds the refund limit, the refund of the prepaid card 6 is not performed, and the balance is changed to the refund limit. When it is detected that the sum does not exceed the corresponding refund accumulation amount of the file means 41 based on the personal identification information, the sum of the read refund accumulation amount and the remaining amount is calculated, and the sum and the refund accumulation amount are calculated. If the sum is found to exceed the refund accumulation limit, the refund of the prepaid card 6 is not performed and it is determined that the sum does not exceed the refund accumulation limit. Upon detection, the file means 41 is updated with the sum, and the remaining amount of the prepaid card 6 is refunded.

[0017]

According to the first and fourth aspects of the present invention, the personal identification card 5 is used.
Repayment of the prepaid card 6 purchased in the above, but the prepaid card 6 within the refund period for which payment has not been completed is
What is necessary is to refund the prepaid card 6 with a small balance,
Since repayment of the prepaid card 6 is not required, the balance of the prepaid card 6 is compared with the refund limit, and when it is detected that the remaining amount exceeds the refund limit, the refund of the prepaid card 6 is performed. I did not do it.

According to the second and fifth aspects of the present invention, a prepaid card user using the personal identification card 5 is given a reminder at regular intervals (for example, every one month), and the unpaid prepaid card 6 is paid. Is accumulated, and if the accumulated reimbursement amount is within the reimbursement accumulation limit range, the remaining amount is refunded (borrowed), and the reimbursement of the prepaid card 6 with a small remaining amount is enabled.

According to the third and sixth aspects of the present invention, the refund of the prepaid card 6 purchased with the personal identification card 5 is performed. At the same time, give a reminder to the user of the prepaid card using the personal identification card 5 at regular intervals (for example, every month),
A method of accumulating the refund amount of the prepaid card 6 that has not been paid, and, if the accumulated refund amount is within the refund accumulation limit range, repayment (borrowing) of the remaining amount to enable refund of the prepaid card 6 with a small remaining amount. It is.

[0020]

【Example】

(a) Description of one embodiment FIG. 2 is a configuration diagram of one embodiment of the present invention, and shows a prepaid card system in a company cafeteria.

In the drawing, the same components as those shown in FIGS. 1 and 5 are denoted by the same symbols, and the ticket issuing machine 1 has a cash receiving unit 10 for receiving, discriminating and storing cash, and an ID. An ID card reader 11 that accepts a card (employee card) 5, reads and returns data (ID number), a central processing unit 12 that controls ticketing, and an issuance information that records issuance information on a magnetic recording surface of the prepaid card 6. Recording means 13;
Issuing means 14 for issuing a prepaid card 6 on which issuance information is recorded.

The payment machine 2 receives the prepaid card 6 and controls a prepaid card reader 20 for reading information on the magnetic recording surface of the prepaid card 6, a cash discharging unit 21 for discharging a specified amount of cash, and a payout. A central processing unit 22, having a memory, in a memory, a balance identification processing program 22a for performing a balance identification processing, a refund availability determination processing program 22b, for determining a refund availability, and a refund limit identification for identifying a refund limit; It has a processing program 22c and a refund target period end determination program 22d for determining the end of the refund target period.

The controller 4 has a file unit 41 for storing the accumulated refund amount of the ID card 5 for each prepaid card user within the refund period, and a central processing unit 40. A refund permission specification processing program 40a for specifying the refund permission of the prepaid card 6, and a refund limit specification processing program 4 for specifying the cumulative refund limit of the system and a single refund limit.
0b, a refund target period designation processing program 40c for specifying a refund target period, a cumulative amount addition processing program 40d for adding a cumulative amount, a refund cumulative limit identification processing program 40e for identifying a refund cumulative limit, and a refund. Reimbursement limit excess notification processing program 40 for notifying the user of exceeding the limit amount
f.

The controller 4 is connected to the ticket issuing machine 1, the settlement machine 2, and the settlement machine 3 via a private line. FIG. 3 is a flowchart of an issuing process according to an embodiment of the present invention, and FIG. 4 is a flowchart of a payout process according to an embodiment of the present invention.

First, the controller 4 notifies the ticket issuing machine 1 of the refund availability as a system. When the refund is possible, the controller 4 notifies the ticket issuing machine 1 of the refund target period, and notifies the payment machine 2 of the refund limit. Set these.

The refund target period is, for example, if postpaid at the end of the month, the month is the refund target period.
From the date to August 31, 1991, August 1991 is set as the refund target period.

Next, the issuing process will be described with reference to FIG. When purchasing the prepaid card 6, the user puts the cash in the cash receiving unit 10 or sends the cash to the ID card reader 11.
The D card 5 is inserted, and the issue amount is set using a key (not shown).

When the cash is inserted, the cash is discriminated and stored, and when the ID card 5 is inserted, the contents (ID number) of the ID card 5 are read. The central control device (referred to as a control unit) 12 determines whether to insert cash or the ID card 5.

When it is determined that cash is to be inserted, the control unit 12
Sets the cash flag on the cash / card identification flag,
Issue information is created based on the designated amount and the cash / card identification flag, and the process proceeds to step.

On the other hand, if it is determined that the ID card 5 is to be inserted, the control unit 12 checks the refund availability information set by the controller 4, and if the refund is not possible, sets the card flag in the cash / card identification flag and designates the card. Issue information based on the amount of money, the cash / card identification flag, and the refusal flag,
Proceed to step.

If refund is permitted, the control unit 12 sets a card flag in the cash / card identification flag, and sets the designated amount, the cash / card identification flag, the refund permitted flag, the set refund target period, and the like. Then, issue information is created with the read ID number, and the process proceeds to test.

The control unit 12 gives the issuance information to the issuance information recording unit 13 and writes it on the magnetic recording surface of the prepaid card 6, issues the written prepaid card 6 by the issuance means 14, and sends the ID card 5 or change Release.

Therefore, the format of the magnetic recording surface of the prepaid card 6 is composed of a cash / card identification flag, an amount, a refund permission flag, a refund period, and an ID number. / Card identification flag and the amount of money are written, and even when purchasing with ID card 5,
If the refund is set, the cash / card identification flag, the amount, and the refund flag are written. If the refund is permitted, the cash / card identification flag, the amount, the refund flag, the refund target period, and the like are set. , ID numbers are written and issued.

The prepaid card 6 is used for settlement of meals in the cafeteria. The user inserts the card 6 into the cashier terminal (settlement machine) 3 in the cafeteria, and deducts the amount of the card 6 by the usage amount. The remaining amount is written and the card 6 is returned.

Next, the payout process will be described with reference to FIG. At the time of settlement, the user inserts the prepaid card 6 of the settlement machine 2 and reads the contents of the prepaid card 6,
The data is transferred to the central control unit (called a control unit) 22.

The control unit 22 identifies the balance in the transferred information by the balance identification process 22a, and if there is no balance, proceeds to the invalidation process of the step. Next, the control unit 22
Although not shown in the figure, the cash / card flag is checked, and if it is determined that the cash is to be purchased, the process proceeds to the cash refund process in the step.

When the control unit 22 determines that the purchase is to be made with the ID card 5 based on the cash / card flag, the control unit 22 determines the refund permission flag by the refund permission determination process 22b. .

On the other hand, if it is determined that the withdrawal is possible, the control unit 22
Compares the refund target period with the date of the system clock in the control unit 22 by the refund target period end determination processing 22d,
It is determined whether or not the refund period has expired. If the refund period has expired, the flow proceeds to the cash refund process in the step.

If the refund period has not expired, the control section 22 executes the card 6
Is compared with the set one-time refund limit, and if the remaining amount exceeds the one-time refund limit, the card 6 with the remaining amount is not small and the process proceeds to step status notification.

If the remaining amount does not exceed the single refund limit, the control unit 22 sends the remaining amount and the ID number to the controller 4. The central processing unit 40 of the controller 4 executes the accumulated amount adding process 40d, accesses the file unit 41 by the ID number, extracts the corresponding accumulated amount, and adds the remaining amount and the accumulated amount.

Next, the central processing unit 40 executes a refund accumulation limit identification process 40e, and compares the added amount with the set accumulation limit. As a result, if the added amount exceeds the cumulative limit, a reimbursement limit excess notification process 40f is executed, the reimbursement machine 2 is notified of the reimbursement limit excess, and the reimbursement machine 2 is caused to execute steps.

Conversely, if the added amount does not exceed the accumulated limit, the accumulated amount corresponding to the ID number of the file unit 41 is
The account is updated to the added amount, the settlement machine 2 is notified of the refund approval, and the settlement machine 2 executes the steps.

The control unit 22 of the checkout machine 2 releases cash corresponding to the balance of the card 6 from the cash release unit 21. The control unit 22 performs card invalidation processing such as making a hole in the received prepaid card 6, ejects the invalidated card 6, and ends the processing.

If it is determined in step that the refund is not possible, if it is determined in step that the refund limit has been exceeded, and if in step it is notified that the cumulative limit has been exceeded, the control unit 22 The state is displayed on a display unit (not shown) of the settlement machine 2, the prepaid card 6 is returned, and the processing is terminated.

The accumulated payout amount in the file section 41 is automatically cleared by the central processing unit 40 at the end of the payout period. In this way, for the prepaid card 6 purchased with the ID card 5, the remaining amount is unconditionally refunded if the reimbursement period has passed, and if the reimbursement period has not passed, the remaining amount is one refund. If the amount exceeds the limit, no refund is made because the card 6 does not have a small balance.

Even if the remaining amount does not exceed the single refund limit, a limit is set on the cumulative refund amount for the refund period.
Even if the accumulated refund to which the current balance is added exceeds the accumulated limit, even if the card 6 has a small balance, refund is not performed.

That is, a single refund limit is set, only the card 6 with a small remaining amount is targeted, and the cumulative refund amount in the refund target period is set to limit the total refund amount (preliminary amount) within the period. ing.

For this reason, even if the prepaid card 6 is purchased with the ID card 5, the refund can be made only for the card 6 with a small remaining amount and within the range of the estimated amount, and the refund of the card 6 with a small remaining amount can be made. It is possible, and the refund can be kept within a predetermined amount of credit.

(B) Description of Other Embodiments In addition to the above-described embodiments, the present invention can be modified as follows. Although the prepaid card system has been described as an in-company cafeteria system, the present invention can also be applied to systems such as sports clubs and supermarkets.

The prepaid card 6 is provided with a refund permission flag. However, the refund permission may be set in the settlement machine 2 or a single refund limit may be written on the card 6. As the refund period, for example, the payment of the prepaid card 6 purchased from July 11 to August 10 is
When the operation is performed on August 25, the final date of the target period may be written on the prepaid card 6 issued from July 11 to August 10, and the final date may be written on August 25. The cycle of the refund target period is not limited to one month, and another cycle can be used.

Although the remaining amount is unconditionally refunded to the prepaid card 6 after the refunding period, depending on the relationship between the refunding period and the payment date, a plurality of refunding may be made to each user. It is necessary to provide the accumulated amount of the target period in the file part, and the refund of the prepaid card 6 after the refund target period may be prohibited according to the design of the system.

Although the personal identification card 5 has been described as an employee ID card, another personal identification card such as a credit card may be used. Although the ticket issuing machine 1 and the settlement machine 2 are described as separate ones, the ticket issuing machine 1 and the settlement machine 2 may be integrated, and the file unit 41 may be provided in the controller 4. 4 may not be provided.

Depending on the conditions for permitting the prediction, only the one-time refund amount may be limited, or conversely, the accumulated refund amount may be limited. As invalidation processing of card 6, without returning card 6,
A method of recovery and the like can be adopted.

The present invention has been described with reference to the embodiments.
Various modifications are possible within the scope of the present invention, and these are not excluded from the scope of the present invention.

[0055]

As described above, according to the present invention,
The following effects are obtained. For prepaid cards purchased with personal identification cards,
A refund period is set, during which a single refund limit or a cumulative refund limit is limited to allow refunds, so that prepaid cards purchased with a personal identification card and having a small balance can be refunded. You do not need to have a prepaid card.

It is possible to refund a prepaid card purchased with an individual identification card and having a small balance, so that it is not necessary to make a payment using this card and the checkout time can be shortened. Even if a refund of a prepaid card with a small balance purchased with a personal identification card is made, the limit on single refunds or the limit of cumulative refunds will be limited, so that the amount of advance payment can be limited and the card with a small balance can be refunded. , The amount of advance payment can be reduced.

[Brief description of the drawings]

FIG. 1 is a principle diagram of the present invention.

FIG. 2 is a configuration diagram of an embodiment of the present invention.

FIG. 3 is a flowchart of an issuance process according to an embodiment of the present invention.

FIG. 4 is a flowchart of a refund process according to an embodiment of the present invention.

FIG. 5 is an explanatory diagram of a conventional technique.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 ticket issuing machine (issuing means) 2 payment machine (payment means) 3 payment machine 4 controller 5 ID card (personal identification card) 6 prepaid card 10 cash receiving unit 11 ID card reader 12, 22, 40 central processing unit 20 prepaid card reader 21 Cash release unit 41 File unit

Claims (6)

(57) [Claims] 1. Cash and personal identification card (5)
A prepaid card system comprising: a card issuing means (1) for issuing a prepaid card (6) on which amount information is recorded; and a settlement means (2) for reading the prepaid card (6) and refunding the balance. When issuing the prepaid card (6) by the personal identification card (5), the issuing means (1) records information indicating the issuance by the personal identification card (5) on the prepaid card (6), The settlement means (2) detects by reading the prepaid card (6) that the card is issued by the personal identification card (5) and the refund period of the prepaid card (6) has not ended. Then, the balance of the prepaid card (6) is compared with the refund limit, and when it is detected that the remaining amount exceeds the refund limit, the prepaid card (6) is )
A refund control method for a prepaid card, wherein the refund is not performed. 2. With cash and personal identification card (5)
In a prepaid card system comprising: a card issuing means (1) for issuing a prepaid card (6) in which amount information is recorded; and a settlement means (2) for reading the prepaid card (6) and refunding the remaining balance. File means (41) for storing the accumulated amount of refund of the prepaid card (6) by the personal identification card (5) during the refund period is provided, and the card issuance means (1) is provided by the personal identification card (5). Upon issuance of the prepaid card (6), the personal identification information of the personal identification card (5) and information regarding the refund period of the card (6) are recorded and issued on the prepaid card (6). The payment means (2) detects the issuance of the personal identification card (5) by reading the prepaid card (6), and checks the prepaid card (6). Determining whether the refund period has ended, when the 該払 return period has not ended, the file means by said individual identification information (41)
The corresponding refund accumulation amount is read, the sum of the read refund accumulation amount and the remaining amount is calculated, the sum is compared with the refund accumulation limit, and it is determined that the sum exceeds the refund accumulation limit. When it is detected, the refund of the prepaid card (6) is not performed, and when it is detected that the sum does not exceed the accumulated refund limit, the file means (41) is updated by the sum, A refund control method for a prepaid card, wherein the refund of the remaining amount of the prepaid card (6) is performed. 3. With cash and personal identification card (5)
In a prepaid card system comprising: a card issuing means (1) for issuing a prepaid card (6) in which amount information is recorded; and a settlement means (2) for reading the prepaid card (6) and refunding the remaining balance. File means (41) for storing the accumulated amount of refund of the prepaid card (6) by the personal identification card (5) during the refund period is provided, and the card issuance means (1) is provided by the personal identification card (5). Upon issuance of the prepaid card (6), the personal identification information of the personal identification card (5) and information regarding the refund period of the card (6) are recorded and issued on the prepaid card (6). The payment means (2) detects the issuance of the personal identification card (5) by reading the prepaid card (6), and checks the prepaid card (6). It is determined whether the refund period has expired. If the refund period has not expired, the balance of the prepaid card (6) is compared with the refund limit, and the balance exceeds the refund limit. When the prepaid card (6) is detected, the refund of the prepaid card (6) is not performed, and when it is detected that the remaining amount does not exceed the refund limit, the file means (41) is used by the personal identification information.
The corresponding refund accumulation amount is read, the sum of the read refund accumulation amount and the remaining amount is calculated, the sum is compared with the refund accumulation limit, and it is determined that the sum exceeds the refund accumulation limit. When it is detected, the refund of the prepaid card (6) is not performed, and when it is detected that the sum does not exceed the accumulated refund limit, the file means (41) is updated by the sum, A refund control method for a prepaid card, wherein the refund of the remaining amount of the prepaid card (6) is performed. 4. A prepaid card (6) issued with a cash and personal identification card (5) and recording money information.
And a payment means (2) for paying out the remaining balance by reading the prepaid card (6) issued by the personal identification card (5). The payment means (2) reads the prepaid card (6), and the payment means (2) issues the personal identification card (5) and ends the refund period of the prepaid card (6). Is detected, the balance of the prepaid card (6) is compared with the refund limit, and when it is detected that the balance exceeds the refund limit, the prepaid card (6) is
A prepaid card settlement device, which does not refund the money. 5. A prepaid card (6) recorded with money information issued by a cash and personal identification card (5).
Is a prepaid card settlement device provided with a settlement means (2) for reading the balance and refunding the remaining balance, the file storing the accumulated amount of reimbursement of the prepaid card (6) by the personal identification card (5) during a predetermined withdrawal period. Means (41), wherein the prepaid card (6) issued by the personal identification card (5) includes personal identification information of the personal identification card (5) and information on a refund period of the card (6). The payment means (2) detects the issuance of the personal identification card (5) by reading the prepaid card (6), and sets the refund period of the prepaid card (6). It is determined whether the refund period has not ended. If the refund period has not ended, the file means (41) is used based on the personal identification information.
The corresponding refund accumulation amount is read, the sum of the read refund accumulation amount and the remaining amount is calculated, the sum is compared with the refund accumulation limit, and it is determined that the sum exceeds the refund accumulation limit. When it is detected, the refund of the prepaid card (6) is not performed, and when it is detected that the sum does not exceed the accumulated refund limit, the file means (41) is updated by the sum, A prepaid card settlement device for refunding the remaining amount of the prepaid card (6). 6. A prepaid card (6) recorded with money information issued by a cash and personal identification card (5).
Is a prepaid card settlement device provided with a settlement means (2) for reading the balance and refunding the remaining balance, the file storing the accumulated amount of reimbursement of the prepaid card (6) by the personal identification card (5) during a predetermined withdrawal period. Means (41), wherein the prepaid card (6) issued by the personal identification card (5) includes personal identification information of the personal identification card (5) and information on a refund period of the card (6). The payment means (2) detects the issuance of the personal identification card (5) by reading the prepaid card (6), and sets the refund period of the prepaid card (6). It is determined whether or not the repayment period has not ended. If the refund period has not ended, the balance of the prepaid card (6) is compared with the refund limit, and it is determined that the balance exceeds the refund limit. When it puts does not perform the refund of the prepaid card (6), when the said residue amount is detected that does not exceed the 該払 return limit is, the file means by said individual identification information (41)
The corresponding refund accumulation amount is read, the sum of the read refund accumulation amount and the remaining amount is calculated, the sum is compared with the refund accumulation limit, and it is determined that the sum exceeds the refund accumulation limit. When it is detected, the refund of the prepaid card (6) is not performed, and when it is detected that the sum does not exceed the accumulated refund limit, the file means (41) is updated by the sum, A prepaid card settlement device for refunding the remaining amount of the prepaid card (6).