JP3640944B2 - Card transaction processing device - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a card transaction processing apparatus that processes a prepaid transaction, a credit transaction, a debit transaction, a point transaction, and the like using a contactless card having a wireless communication function for transaction processing.
[0002]
[Prior art]
Conventionally, a prepaid transaction in which a transaction amount is settled with a prepaid card, a credit transaction in which a transaction amount is settled with a credit card, and a debit transaction in which a transaction amount is settled with a cash card are performed at a store. Moreover, the point transaction which gives the customer the point according to transaction amount is performed at the store. In addition, a composite card is also proposed in which the transaction amount can be settled and points can be given. For example, prepaid cards and composite cards that can be used as point cards have been proposed.
[0003]
Card data including a card ID for identifying the card is stored in a card used for the transaction (the above-mentioned prepaid card, credit card, cash card, point card). For example, in the prepaid card, in addition to the card ID, value data (residual value) indicating the amount of value that can be used for the settlement of the transaction amount, expiration date data indicating the card expiration date, and the like are stored as card data. Yes.
[0004]
The card transaction processing device acquires card data from a card used for the transaction, and processes the transaction using the acquired card data. Specifically, depending on the type of card used for the transaction, the transaction amount is settled and points are assigned according to the transaction amount.
[0005]
Furthermore, recently, prepaid cards, point cards, credit cards, and cash cards to which contactless cards having a wireless communication function are applied have been put into practical use. As is well known, a contactless card stores card data in an IC chip provided in the main body. The card transaction processing device acquires card data from a contactless card by wireless communication, and processes the transaction using the acquired card data. Further, if necessary, the non-contact card is instructed to update the card data stored in the IC chip.
[0006]
[Problems to be solved by the invention]
However, in the case where a conventional card transaction processing apparatus receives purchase of goods, eating and drinking, and provision of services in a group of a plurality of people, the cost (transaction amount) is paid evenly by each person of the group (the transaction amount is In the case of paying by so-called split account), it was impossible for each person to use his prepaid card, credit card, or cash card to settle the amount he / she pays (split account amount). For this reason,
(1) Pay the amount paid by each member of the group in cash,
(2) The group representative used a prepaid card, a credit card, or a cash card to settle the entire transaction amount, and the representative collected the split amount from each other in cash.
[0007]
In the case of (1) above, the store side has to calculate the amount of split payment, which is the payment amount of each person, using a calculator, etc., to receive cash and return the change to each person, and transaction processing becomes complicated There was a problem.
[0008]
In the case of (2) above, there is a problem that each person other than the representative cannot pay with a prepaid card, a credit card, or a cash card. In addition, when the store provides a point service, points are given only to the owner (representative) of the point card used for transaction processing, and points are not given to each person other than the representative. there were.
[0009]
The object of the present invention is to receive purchases of goods, eating and drinking services in groups of multiple persons, and when each person pays the expenses equally, each person can perform the transaction processing without complicating operations. It is providing the card transaction processing apparatus which can use a card | curd.
[0010]
[Means for Solving the Problems]
The card transaction processing apparatus of the present invention has the following configuration in order to solve the above problems.
[0011]
(1) transaction data receiving means for receiving transaction data;
Card data acquisition means for acquiring card data stored in a contactless card having a wireless communication function;
In the card transaction processing apparatus comprising: transaction processing means for processing the transaction of the transaction data received by the transaction data receiving means using the card data acquired by the card data acquisition means;
The device body is provided with a loading part that can be loaded in a state where a plurality of the non-contact cards are stacked,
The card data acquisition means detects the number of the contactless cards inserted in the insertion unit, acquires card data for each contactless card inserted in the insertion unit,
The transaction processing unit calculates a discount amount obtained by dividing the transaction amount by the number of the contactless cards inserted in the insertion unit for the transaction of the transaction data received by the transaction data reception unit, For each of the contactless cards that have been inserted, card data is used to process a transaction whose transaction amount is the above-mentioned split account amount.
[0012]
In this configuration, a loading unit is provided that can be loaded in a state where a plurality of contactless cards having a wireless communication function are stacked on the main body. The contactless card stores card data used for transaction processing. For example, when the non-contact card is a prepaid card, value data indicating the amount of value that can be used for settlement of the transaction amount, an expiration date code indicating the expiration date of the card, and the like are stored. When the contactless card is a credit card, a card company code for identifying a credit card company, an expiration date code indicating the expiration date of the card, and the like are stored as card data. When the contactless card is a cash card, a bank code for identifying a bank, an account number indicating a deposit account, and the like are stored as card data. When the contactless card is a point card, it stores point data indicating the number of points currently given, an expiration date code indicating the expiration date of the card, and the like.
[0013]
The card data acquisition means detects the number of contactless cards inserted in the insertion portion of the main body and acquires card data for each contactless card inserted. The transaction processing means calculates a discount amount by dividing the transaction amount by the number of contactless cards inserted in the input section for the transaction of the transaction data received in the transaction data reception means, and the For each contact card, the card data is used to process a transaction with the transaction amount as the discounted amount.
[0014]
For this reason, when a group of people purchases goods, eats and drinks, and provides services, and each person pays the cost equally, each group member puts a contactless card that is used for transactions in the input section. By inserting, each person can use a contactless card for the transaction. For example, if the contactless card is a prepaid card, a credit card, or a cash card that is used for the settlement of the transaction amount, each person can use the contactless card for the settlement of the discount amount that he or she bears. In addition, if the contactless card is a point card that receives points according to the transaction amount, each person can receive points according to the discount amount that he or she bears.
[0015]
In this way, each person can use the contactless card for the transaction only by performing a very simple operation of putting the contactless cards used for the transaction by each person in the group into the input unit.
[0016]
(2) The above card data includes value data indicating the amount of value used to settle the transaction amount.
The transaction processing means performs a settlement process for updating the value data to a value obtained by subtracting a value corresponding to the discount amount for each contactless card inserted in the insertion unit.
[0017]
In this configuration, the contactless card is a prepaid card, and the transaction processing means settles the split account amount by the value (residual value) that can be used for the settlement of the transaction amount for each prepaid card.
[0018]
(3) The transaction processing means is insufficient when the contactless card whose value indicated by the value data is less than the value corresponding to the discount amount is inserted in the input unit. Is settled with the value of the other contactless card inserted in the slot.
[0019]
In this configuration, if there is a contactless card with a residual value less than the discount amount in the contactless card (prepaid card) inserted in the input section, the missing value is input into the input section. Check out with the value of other contactless cards.
[0020]
In this case, the missing value may be settled with the remaining value of a specific contactless card, or the missing value may be settled evenly distributed to other contactless cards.
[0021]
(4) The transaction processing means performs point processing for assigning points according to the discount amount for each contactless card inserted in the insertion unit.
[0022]
In this configuration, the non-contact card is a point card, and each member of the group can receive points according to the split amount.
[0023]
(5) The transaction processing means performs point processing for assigning points according to the value subtracted this time for each contactless card inserted into the insertion unit.
[0024]
In this configuration, the contactless card is a prepaid card and a composite card that can be used as a point card, and each group member can receive points according to the amount of money that the person has paid.
[0025]
(6) The transaction processing means, when the discount amount is not an integer, rounds off the decimal part.
[0026]
In this configuration, when the discount amount is not an integer, the fractional part is rounded down, so that the service to customers can be improved, the ability to attract customers and the sales can be improved.
[0027]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, a card transaction processing apparatus according to an embodiment of the present invention will be described.
[0028]
FIG. 1 is a diagram showing a configuration of a transaction processing system to which a card transaction processing apparatus according to an embodiment of the present invention is applied. In this transaction processing system, a plurality of POS cash register terminal devices 2 are connected to a center device 1 via a data communication line, and a card transaction processing device 3 according to an embodiment of the present invention is connected to a data communication line for each POS cash register terminal device 2. Connected through. The center device 1 is a device that aggregates transactions processed by each POS cash register terminal device 2 and manages sales and the like. The POS cash register terminal device 2 is a device that inputs transaction data indicating transaction contents by registering the contents of products and services to be provided. The card transaction processing device 3 processes a transaction of transaction data input in the POS cash register terminal device 2 using a contactless card 4 described later.
[0029]
Transactions that do not use the contactless card 4 are processed in the POS cash register terminal device 2.
[0030]
FIG. 2 is a block diagram showing a configuration of a card transaction processing apparatus according to an embodiment of the present invention, and FIG. 3 is a diagram showing an appearance of the card transaction processing apparatus.
[0031]
The card transaction processing apparatus 3 of this embodiment includes a control unit 11 that controls the operation of the main body, an operation unit 12 that performs an input operation on the main body, a display unit 13 that displays the operation state of the main body, and a POS register. A communication unit 14 that controls data communication with the terminal device 2 and a card processing unit 15 that processes the contactless card 4 are provided. The operation unit 12 is provided with a cancel key or the like that is operated when canceling transaction processing using the numeric keypad or the non-contact card 4. The display unit 13 is provided with an operator display 13a and a customer display 13b. The main body is provided with a loading portion 15a that can be loaded with a plurality of non-contact cards 4 stacked. An antenna 15b is disposed on one side surface of the input portion 15a, and a shield member is attached to the other side surface to suppress leakage of radio waves emitted from the antenna 15b to the outside. The card processing unit 15 performs wireless communication with the contactless card 4 inserted in the insertion unit 15a using the antenna 15b. Specifically, a command is transmitted from the antenna 15b to the contactless card 4 inserted in the insertion unit 15a, and a response transmitted from the contactless card 4 is received by the antenna 15b.
[0032]
3 is a connector to which a data communication line with the POS cash register terminal device 2 is connected, for example, a connector of an RS232C interface. Further, operating power is supplied to each part of the main body from a power supply circuit (not shown). This power supply circuit is a circuit that uses commercial power, for example, AC 100V as input power, and supplies operating power to each part.
[0033]
FIG. 4 is a block diagram showing the configuration of the contactless card. The contactless card 4 includes a control unit 21 that controls the operation of the main body and a wireless communication unit 22 that performs wireless communication with the card transaction processing device 3. The control unit 21 stores card data. A memory 21a is provided. The wireless communication unit 22 is provided with an antenna 22a. Further, the non-contact card 4 includes a power generation circuit 23 that generates an operating power for the main body from radio waves received by the antenna 22a. The power supply generation circuit 23 has a resonance circuit that resonates with a radio wave (carrier wave) having a frequency (for example, 13.56 MHz) emitted from the antenna 15b of the card transaction processing apparatus 3, and generates an operating power supply for the main body by electromagnetic coupling. . Since the contactless card that generates the operation power supply of the main body by electromagnetic coupling is known, the description of the power supply generation circuit 23 is omitted here.
[0034]
In this embodiment, the contactless card 4 is a prepaid card and a composite card used for transactions as a point card. The memory 21 a shows a card ID for identifying the contactless card 4, value data indicating the amount of value (residual value) that can be used for the settlement of the transaction amount, and the number of points given to the contactless card 4. Point data is stored.
[0035]
In addition, the card transaction processing device 3 of this embodiment settles the transaction amount with the value of the contactless card 4 inserted into the input unit 15a, and the point corresponding to the transaction amount with respect to the contactless card 4 Transaction processing that grants.
[0036]
Hereinafter, operation | movement of the card transaction processing apparatus 3 of this embodiment is demonstrated. 5 and 6 are flowcharts showing the operation of the card transaction processing apparatus.
[0037]
The operator performs an operation of registering a traded product or a provided service in the POS cash register terminal device 2. For example, a bar code attached to a product to be traded is read by a bar code reader provided in the POS cash register terminal device 2, or a product registration key provided in the POS cash register terminal device 2 is operated according to the product to be traded. . When the operator completes registration of the merchandise to be traded and the service to be offered in the POS cash register terminal device 2, the operator confirms with the customer whether or not the contactless card 4 is used for the trade. Here, when the operator confirms that the contactless card 4 is not used for the transaction, the POS register terminal device 2 performs a cash settlement process to complete the transaction. At this time, if the amount of cash received from the customer exceeds the transaction amount, the operator returns change to the customer. In addition, receipts and merchandise issued at the POS cash register terminal device 2 are also delivered to the customer.
[0038]
As described above, when the contactless card 4 is not used for transaction processing, the transaction is processed in the POS cash register terminal device 2, and the card transaction processing device 3 does not perform the operation related to the transaction processing.
[0039]
Next, a transaction in which the contactless card 4 is used will be described. When the operator confirms that the contactless card 4 is used for the transaction, the operator performs an input operation (predetermined key operation) in the POS cash register terminal device 2. As described above, this contactless card is a combined card of a prepaid card and a point card that can be paid for the transaction amount and given points according to the transaction amount. When an input operation for using the contactless card 4 is performed for the transaction, the POS cash register terminal device 2 performs a transaction based on the registered product with respect to the card transaction processing device 3 connected by the data communication line. Send data. This transaction data includes a transaction amount.
[0040]
Here, the operator keeps the contactless card 4 used for the transaction from the customer. At this time, if the customer is a group of a plurality of people and each person wants to pay the transaction amount evenly, the contactless card 4 is deposited from each person of the group and the plurality of contactless cards 4 are stacked. In this state, it is thrown into the throwing unit 15a.
[0041]
In addition, the non-contact card | curd 4 thrown into the insertion part 15a may be one sheet.
[0042]
When the card transaction processing device 3 receives the transaction data transmitted from the POS cash register terminal device 2 via the data communication line by the communication unit 14 (s1), the card transaction processing device 3 activates the card processing unit 15 (s2). The activation of the card processing unit 15 in s2 is to start transmission of radio waves having a frequency used for wireless communication with the contactless card 4 from the antenna 15b. At this time, a command for the contactless card 4 is not placed on the radio wave transmitted from the antenna 15b.
[0043]
The contactless card 4 inserted into the insertion unit 15 a receives the radio wave transmitted from the antenna 15 b of the card transaction processing device 3 by the antenna 22 a and supplies it to the control unit 21 and the wireless communication unit 22 in the power generation circuit 23. Generate an operating power supply. Thereby, the non-contact card | curd 4 starts operation | movement.
[0044]
The card transaction processing device 3 waits for a predetermined time, for example, 1 second, for example, after starting the card processing unit 15 in s2 (s3), and puts a response request command on the radio wave transmitted from the antenna 15b. Transmit (s4). Waiting for a predetermined time in s3 is a time sufficient for the non-contact card 4 inserted into the insertion unit 15a to start operating. The response request command transmitted from the antenna 15b in s4 is received by the contactless card 4 inserted in the insertion unit 15a. At this time, when a plurality of contactless cards 4 are inserted in the insertion unit 15a, each contactless card 4 receives the response request command.
[0045]
The contactless card 4 that has received this response request command waits for a time based on the random number generated by the control unit 21 and then stores the card ID stored in the memory 21a and the value that can be used for the transaction (residual value). A response including value data indicating the length and point data indicating the number of points currently given is transmitted from the antenna 22a. The response transmitted from the contactless card 4 is received by the antenna 15 b and processed by the card processing unit 15.
[0046]
Note that the contactless card 4 waits for a time based on the random number generated by the control unit 21 and then transmits the response, so that the plurality of contactless cards 4 inserted in the insertion unit 15a simultaneously respond. Transmit and no collisions will occur.
[0047]
The card transaction processing device 3 receives a response with the antenna 15b for each contactless card 4 inserted in the insertion unit 15a. The card transaction processing device 3 detects the number of contactless cards 4 inserted into the insertion unit 15a from the response received by the antenna (s5). Specifically, after transmitting the response request command in s4, for each response received by the antenna 15a, the card processing unit 15 extracts the card ID, value data, and point data, and the card ID, value data, and A record in which point data is associated is generated. At this time, if there are a plurality of records having the same card ID, only one is left and the others are invalidated. The card transaction processing device 3 detects the number of records as the number of contactless cards 4 inserted into the insertion unit 15a.
[0048]
The card transaction processing device 3 divides the transaction amount of the transaction data received from the POS cash register terminal device 2 at s1 by dividing the transaction amount by the number of contactless cards 4 inserted in the insertion unit 15a detected at s5. Calculate (s6). As described above, when the customer is a group of a plurality of people, since the contactless card 4 of each person in the group is inserted into the insertion unit 15a, the number of the contactless cards 4 inserted into the insertion unit 15a The number of people in the group is the same. The card transaction processing device 3 rounds down the fraction if it is less than 1 yen when calculating the discount amount in s6.
[0049]
The card transaction processing device 3 determines whether or not the contactless card 4 whose residual value is less than the discount amount calculated in s6 is inserted into the insertion unit 15a (s7). When the card transaction processing device 3 determines that the non-contact card 4 having a value less than the discount amount is not inserted into the insertion unit 15a, the card transaction processing device 3 stores each non-contact card 4 inserted into the insertion unit 15a in the memory 21a. A command for updating the remaining value data and the point data is transmitted from the antenna 15b (s8). In s8, the card ID is included in the command instructing to update the remaining value data and the point data. In s8, a command instructing to update the residual value to a value obtained by subtracting the value corresponding to the split amount calculated in s6 from the residual value included in the response to the response request command transmitted in s4 is transmitted. In addition, a command is transmitted to instruct to update the number of points by adding the number of points corresponding to the discount amount calculated in s6 to the number of points included in the response to the response request command transmitted in s4.
[0050]
The contactless card 4 inserted into the insertion unit 15a updates the remaining value data and point data stored in the memory 21a in accordance with the command transmitted by the card transaction processing device 3 in s8.
[0051]
When the card transaction processing device 3 instructs to update the remaining value data and the point data for all the contactless cards 4 inserted in the insertion unit 15a, the transaction processing is completed for the POS cash register terminal device 2. (S9), and then the card processing unit 15 is stopped (s10). In s10, the transmission of the radio wave from the antenna 15b is stopped.
[0052]
Upon receipt of the transaction processing completion notification from the card transaction processing device 3, the POS cash register terminal device 2 issues a receipt on which the transaction details are printed and transmits transaction data indicating the current transaction details to the center device 1. To do.
[0053]
Next, the operation when it is determined in s7 that the non-contact card 4 that is less than the split amount is inserted into the insertion unit 15a will be described with reference to FIG. If the card transaction processing device 3 determines that the contactless card 4 that is less than the discount amount in s7 is inserted in the insertion unit 15a, the store-side display 13a displays a screen requesting selection of a transaction amount settlement method, and The information is displayed on both of the customer side displays 13b (s11). The display on the store side display 13a and the customer side display 13b is the same display. In this case, the card transaction processing apparatus 3 of this embodiment can settle the transaction amount by the following three methods (1) to (3).
[0054]
(1) A method of canceling the settlement with the residual value of the contactless card 4 and settlement with cash,
(2) For the non-contact card 4 whose residual value is insufficient, a method for adjusting the shortage with the residual value of the specific non-contact card 4;
(3) For the non-contact card 4 whose remaining value is insufficient, a method of dividing the shortage equally with the remaining value of the other non-contact card 4 and paying it out,
In the case of {circle over (2)} and {circle over (3)}, the remaining value of the contactless card 4 whose remaining value is insufficient is used for the settlement of the transaction amount.
[0055]
In s11, for example, the screen shown in FIG. 7 is displayed on the store side display 13a and the customer side display 13b. The example shown in FIG. 7 shows a case where there are three contactless cards 4 inserted into the insertion unit 15a, and the remaining value of one of them is less than the discount amount. As shown in FIG. 7, the card ID, the size of the remaining value, and the number of points are displayed in association with each other for the three contactless cards 4 inserted in the insertion unit 15a. At this time, the card whose remaining value is less than the discount amount is highlighted. Here, a case where a group of three people eats and drinks and the transaction amount is 10,000 yen is taken as an example. In this case, the discount amount calculated in s6 is 3333 yen because the decimal part is rounded down. In the example shown in FIG. 7, the size of the residual value of the contactless card 4 with the card ID 1234 is 3615 yen, the size of the residual value of the contactless card 4 with the card ID 1235 is 2903 yen, and the card ID is 1236. The remaining value of the contactless card 4 is 4500 yen.
[0056]
The customer can confirm which contactless card 4 is his / her card from the card ID.
[0057]
When the screen shown in FIG. 7 is displayed on the store-side display 13a, the operator confirms with the customer which of the above methods (1) to (3) is to settle the transaction amount. Here, when the customer selects the above method (1), the operator operates the settlement cancellation key provided on the operation unit 12 of the card transaction processing apparatus 3. When the settlement cancellation key is operated, the card transaction processing device 3 notifies the POS cash register terminal device 2 that the settlement by the non-contact card 4 is terminated (s12 → s15).
[0058]
The operator performs a settlement process for the transaction amount using cash at the POS cash register terminal device 2. When the payment processing is completed, the POS cash register terminal device 2 issues a receipt on which transaction details are printed, and notifies the card transaction processing device 3 of the completion of the payment processing. When the card transaction processing device 3 receives the payment completion notification from the POS cash register terminal device 2, the card transaction processing device 3 instructs to update the point data stored in the memory 21a for each contactless card 4 inserted in the insertion unit 15a. A command to be transmitted is transmitted from the antenna 15b (s16, s17). At this time, the card transaction processing device 3 instructs each contactless card 4 inserted in the insertion unit 15a to update to the number of points obtained by adding the number of points corresponding to the discount amount calculated in s6. At this time, the command transmitted from the antenna 15b includes the card ID as in S8. When the card transaction processing device 3 instructs the update of the number of points to all the contactless cards 4 inserted in the insertion unit 15a, the card transaction processing device 3 stops the card processing unit 15 in s10 and ends this processing.
[0059]
As described above, when the contactless card 4 inserted into the input unit 15a includes the contactless card 4 having insufficient residual value, the transaction amount is settled from the contactless card 4 to cash. Even if it is changed, points corresponding to the discount amount will be given for the points.
[0060]
Next, a description will be given of a case where the above item (2) is selected for the contactless card 4 having a short remaining value and the shortage is settled with the remaining value of the specific contactless card 4. When the card transaction processing device 3 receives the designation of a specific non-contact card 4 for adjusting the shortage of the non-contact card 4 whose residual value is insufficient (s13). Here, when a specific non-contact card 4 is designated, it is determined whether or not the non-contact card designated here can be settled (s18). For example, in the example shown in FIG. 7, when the contactless card 4 with the card ID 1234 is designated this time, the amount of value that is lacking in the contactless card 4 with the card ID 1235 is 430 yen. Yes, since the discount amount calculated in s6 is 3333 yen, the remaining value required for the contactless card 4 with the card ID specified this time 1234 is 3763 yen. On the other hand, since the remaining value of the card ID 1234 is 3615 yen, it is determined that payment cannot be made in s18.
[0061]
If the card transaction processing device 3 determines that the payment cannot be made in s18, the card transaction processing device 3 displays the fact on the store side display 13a and the customer side display 13b (s19), and accepts the designation of another non-contact card 4 (s20). Returning to s18, it is determined whether the non-contact card 4 designated this time can be settled. Here, when the non-contact card 4 having the card ID 1236 is designated, the non-contact card 4 has a residual value of 4500 yen, so it is determined that it can be settled in s18. In this case, the contactless card 4 with the card ID 1234 pays 3333 yen, the contactless card 4 with the card ID 1235 pays 2903 yen, and the contactless card 4 with the card ID 1236 pays 3763 yen. To settle.
[0062]
If the card transaction processing device 3 determines that the payment can be made in s18, the card transaction processing device 3 instructs to update the remaining value data and point data stored in the memory 21a for each contactless card 4 inserted in the insertion unit 15a. A command to be transmitted is transmitted from the antenna 15b (s21). In s21, the card ID is included in the command instructing the update of the remaining value data and the point data as in s8. In s21, the residual value data and the point data are updated according to the value used for the settlement. When the card transaction processing device 3 instructs the update of the remaining value data and the point data to all the contactless cards 4 inserted in the insertion unit 15a in s21, the card transaction processing device 3 performs the processes of s9 and s10, and performs this process. Exit.
[0063]
As described above, the card transaction processing device 3 according to this embodiment is configured such that when the non-contact card 4 whose residual value is less than the split account amount calculated in s6 is inserted into the insertion unit 15a, another non-contact The shortage can be settled with card 4.
[0064]
Also, the method (3) above is selected, in which the card transaction processing device 3 divides the shortage equally with the residual value of the other non-contact card 4 and settles the non-contact card 4 whose residual value is insufficient. Then (s14), the amount to be settled is calculated for each contactless card 4 inserted into the insertion unit 15a in s22. In the example shown in FIG. 7, the settlement amount for the contactless card 4 with the card IDs 1234 and 1236 is 3548 yen, and the settlement amount for the contactless card 4 with the card ID 1235 is 2903 yen. When the card transaction processing device 3 calculates the amount to be settled for each contactless card 4 inserted in the insertion unit 15a in s22, the card transaction processing device 3 performs the processes of s21, s9, and s10 and ends the process.
[0065]
For example, if the size of the residual value of the contactless card 4 with the card ID 1234 is 3418 yen, which is smaller than 3548 yen, the settlement amount of the contactless card 4 with the card ID 1234 is 3418 in s22. The payment amount of the contactless card 4 with the card ID 1236 is 3618 yen.
[0066]
As described above, in the card transaction processing apparatus 3 of this embodiment, when a group of persons receives purchase of goods, food and drink, and provision of services, and each person pays the cost equally, Each person can use the contactless card 4 for the transaction and settle the transaction amount (split amount) with the contactless card 4 simply by stacking the contactless card 4 used for the transaction into the insertion unit 15a. At the same time, points can be awarded according to the amount of discount. Further, the transaction processing operation is not complicated, and the operator's workability is not lowered.
[0067]
Moreover, in the said embodiment, when the fraction account amount calculated by s6 arises, since the fraction was rounded down, the impression of the store with respect to a customer can be improved and, as a result, a customer's re-use is reused. Promote and improve store sales.
[0068]
The fraction may be settled with the remaining value of the specific contactless card 4.
[0069]
Further, in the above embodiment, even when the non-contact card 4 whose residual value is less than the discount amount calculated in s6 has been inserted into the insertion unit 15a, Since points are not cancelled, there is no problem of deteriorating service to customers.
[0070]
In the above embodiment, the contactless card 4 is a prepaid card and a composite card that can be used as a point card. However, it may be a card that can be used only as a prepaid card, or a card that can be used only as a point card. It may be. In this case, the processing related to the points shown in FIGS. 5 and 6 or the processing related to settlement is not necessary.
[0071]
Further, the contactless card 4 may be a card that can be used as a credit card. In this case, the card transaction processing apparatus 3 may be configured to connect to CAFIS (registered trademark) or CATNET (registered trademark) so as to make a transaction authentication request to the credit card company. Further, the contactless card 4 may be a card that can be used as a cash card. In this case, the card transaction processing apparatus 3 may be configured so that a transaction authentication request can be made to the bank center. Since a credit transaction using a credit card and a debit transaction using a cash card are known, a detailed description thereof will be omitted.
[0072]
Furthermore, the card transaction processing device 3 may be integrated with the POS cash register terminal device 2.
[0073]
【The invention's effect】
As described above, according to the present invention, when a group of people purchases a product, eats and drinks, provides a service, etc., the payment of the transaction amount is equally borne by each member of the group. Processing can be performed by an extremely simple operation in which the contactless cards used by each member of the group are stacked and inserted into the input unit. Also, if the contactless card is a prepaid card, credit card, or cash card that is used to settle the transaction amount, each person can use the contactless card for the settlement of the discount amount that they bear. If the card is a point card that receives points according to the transaction amount, each person can be awarded points according to the discount amount that he or she bears.
[0074]
In addition, in the calculation of the discount account amount that each member of the group pays off, if a fraction occurs, it is rounded down, so the store's impression on the customer can be improved, and the customer's re-use is promoted as a result. , Store sales can be improved.
[Brief description of the drawings]
FIG. 1 is a diagram showing a transaction processing system to which a card transaction processing apparatus according to an embodiment of the present invention is applied.
FIG. 2 is a block diagram showing a configuration of a card transaction processing apparatus according to an embodiment of the present invention.
FIG. 3 is a view showing an appearance of a card transaction processing apparatus according to an embodiment of the present invention.
FIG. 4 is a block diagram showing a configuration of a contactless card.
FIG. 5 is a flowchart showing the operation of the card transaction processing apparatus according to the embodiment of the present invention.
FIG. 6 is a flowchart showing the operation of the card transaction processing apparatus according to the embodiment of the present invention.
FIG. 7 is a view showing a display example in the card transaction processing apparatus according to the embodiment of the present invention.
[Explanation of symbols]
1-center device
2-POS cash register terminal device
3-card transaction processing device
4-contactless card
11-Control part
12-Operation part
13-Display part
14-Communication Department
15-Card processing section
15a-input part
15b-antenna

Claims (6)

Transaction data receiving means for receiving transaction data;
Card data acquisition means for acquiring card data stored in a contactless card having a wireless communication function;
In the card transaction processing apparatus comprising: transaction processing means for processing the transaction of the transaction data received by the transaction data receiving means using the card data acquired by the card data acquisition means;
The device body is provided with a loading part that can be loaded in a state where a plurality of the non-contact cards are stacked,
The card data acquisition means detects the number of the contactless cards inserted in the insertion unit, acquires card data for each contactless card inserted in the insertion unit,
The transaction processing means calculates a discount amount obtained by dividing the transaction amount by the number of the contactless cards inserted in the insertion unit for the transaction of the transaction data received by the transaction data reception unit, A card transaction processing apparatus for processing a transaction in which the transaction amount is the above-mentioned split account amount using card data for each of the contactless cards inserted. The above card data includes value data indicating the amount of value used to settle the transaction amount.
The transaction processing means performs a settlement process for updating the value data for each contactless card inserted in the input unit to a value having a value corresponding to the value corresponding to the split account amount. Item 2. The card transaction processing device according to Item 1. When the contactless card whose value value indicated by the value data is less than the value corresponding to the discount amount is inserted into the input unit, the transaction processing means The card transaction processing device according to claim 2, wherein the payment is made with the value of another contactless card inserted in the insertion unit. The card transaction processing apparatus according to claim 1, wherein the transaction processing means performs point processing for assigning points according to the discount amount for each contactless card inserted in the insertion unit. The card transaction processing according to claim 2 or 3, wherein the transaction processing means performs point processing for giving points according to the value subtracted this time for each contactless card inserted in the insertion unit. apparatus. The card transaction processing apparatus according to any one of claims 1 to 5, wherein the transaction processing means uses an amount obtained by discarding a fractional part when the discount amount is not an integer.

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