JPH02113396A - Card transaction processing system - Google Patents

Abstract

PURPOSE:To enable sales processing by one card terminal device by specifying a user for a prepaid card according to a password number, etc., and calculating the amount of a tax for a gift certificate card, and thus totalizing the proceeds distinctively between the gift certificate card and prepaid card. CONSTITUTION:When a card is inserted into the card insertion slot 13 of a card terminal device 11, a card kind discriminating means decides whether the inserted card is a gift certificate card or prepaid card. Then, the proceeds are totalized distinctively in a gift certificate or prepaid card sales totalization file. Further, the amount of a tax is calculated for the gift certificate card and the user is specified for the prepaid card. Consequently, the sales processing is performed by one card terminal device for both the gift certificate card and prepaid card and the operation efficiency of selling service which uses cards is improved greatly.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a card transaction processing system that can handle gift certificate cards and prepaid cards.

[Prior Art] As is well known, monetary information is magnetically recorded in advance on a prepaid card, and a card user purchases this card by paying a price corresponding to the magnetically recorded monetary information. Then, each time the user uses this prepaid card, for example, at a ticket vending machine, public telephone, etc., an amount corresponding to the usage fee is deducted from the magnetically recorded amount information.

It is conceivable that a prepaid card having such a prepayment function could be applied to general stores.

In this case, the money is collected at the time the card is sold, so it is very financially advantageous for the store. Further, unlike credit cards, there is no need to perform a credit check on the card, so the efficiency of sales operations can be improved.

Prepaid cards that can be used at such general stores may have not only one type of denomination, but also several to more than ten types in order to meet the various needs of customers. In addition, the face value ranges from small denominations of 2 to 3,000 yen to 10
The denomination may vary up to a high denomination of around 10,000 yen, depending on the type of product issued by the issuing store.

On the other hand, as a prepayment system, there is a gift certificate system that is sold as a gift at large-scale stores such as department stores. As is well known, tax will be imposed on gift certificates if they exceed a certain amount. For example, if a 5% tax is set on a gift certificate with a face value of 10,000 yen, the purchaser will pay 15,000 yen to purchase the gift certificate.

The person who receives the gift certificate can purchase various products at that store and other affiliated stores. In other words, the gift certificate, like cash, does not specify the person using it.

[Problems to be Solved by the Invention] Since such a gift certificate system exists, if the range in which prepaid cards can be used is expanded, it will become difficult to distinguish them from gift certificates.

However, gift certificates are generally rarely used by the purchaser, but rather by a third party to whom they are gifted. On the other hand, prepaid cards are generally used by the purchaser as is, rather than being gifted to a third party.

In other words, the prepaid card is a card for the convenience of the user (purchaser). Therefore, it is desired to distinguish between prepaid cards and gift certificates by identifying the user of the prepaid card.

However, since the basic functions of prepaid vouchers and cards are the same, it is desired to develop a transaction processing system that can handle gift certificates and prepaid cards in one system.

The present invention was made in view of these circumstances, and
For prepaid cards, the user is identified by entering a PIN number, etc., and for gift certificate cards, the tax amount is calculated, making it possible to distinguish between gift certificate cards and prepaid cards and tally sales. Sales can be processed with one card terminal device, greatly improving the efficiency of sales operations using cards, and significantly reducing equipment costs for the entire system compared to installing two devices. The purpose is to provide a card transaction processing system that can.

[Means for Solving the Problems] In order to solve the above problems, the present invention uses a card reader to collect amount information stored on a plurality of cards having different card types and denominations inserted into a card insertion slot of a card terminal device. The sales amount read by the writer and inputted from the keyboard is subtracted from the amount information, and the deducted amount information is written on the card by the card reader writer and discharged.
In a card transaction processing system that transmits card sales information including sales amounts to a card center connected online to this card terminal device, a gift certificate card sales aggregation system that stores sales amounts and tax amounts for each denomination of the gift certificate card face value is used. a file, a prepaid card sales summary file that stores the sales amount for each denomination of the face value of the prepaid card, a denomination information reading means that reads denomination information indicating the face value of the card inserted from the card insertion slot, and a card insertion slot. A card type identification means for identifying whether the card inserted through the mouth is a gift certificate card or a prepaid card, and a tax amount calculation means for calculating the tax amount from the sales amount when the card type identification means identifies the card as a gift certificate card. , a gift certificate card sales aggregation means that aggregates the tax amount and sales amount calculated by the tax amount calculation means by denomination in a gift certificate card sales aggregation file, and a card user when the card type identification means identifies the card as a prepaid card. This device is equipped with a user specifying means for specifying a user, and a prepaid card sales aggregation means for aggregating the sales amount by denomination in a prepaid card sales aggregation file after the user is specified by the user specifying means.

In another aspect of the invention, the card type identifying means reads an identification code recorded on the card in advance and identifies the card using this identification code.

In another aspect of the invention, the card type identifying means reads an issuing company code recorded on the card and identifies the card using the issuing company code.

In still another aspect of the invention, the card type identification means is configured to identify the card type using a key input signal from an identification key provided on the keyboard.

[Operations] Cards that can be used in the card terminal device in the card transaction processing system configured as described above are gift certificate cards and prepaid cards that store amount information and the like in the same format. Therefore, sales processing can be performed for each card using the same processing procedure.

Then, when a card is inserted into the card insertion slot of the card terminal device, the card type identifying means determines whether the inserted card is a gift certificate card or a prepaid card. Therefore, the sales amounts are separately tallied in the gift certificate card sales tally file or the prepaid card sales tally file.

Further, the tax amount is calculated for gift certificate cards, and the user is specified for prepaid cards.

Another feature of the invention is that the identification code is recorded on each card, so when the card is inserted into the card slot,
Immediately, the card type is automatically identified.

Furthermore, if the issuing company code includes identification information, the card type can be identified by reading the issuing company code.

Furthermore, if the keyboard is provided with an identification key operated by an operator, the card type can be determined from the key signal of the identification key.

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

FIG. 1(a) is an external view of a gift certificate card 1 used in the card transaction processing system of the embodiment.

This gift certificate card 1 has a name such as [gift certificate card] and [
A face value 2 such as [10,000 yen], a card number [36547...], a magnetic stripe 3, and a punch hole 4 indicating the approximate balance status are formed.

As shown in FIG. 2(a), inside the magnetic stripe 3, the company that issued (sold) this gift certificate card 1 (
issuing company code 3a, issue date 3b, purchaser's membership number 3c, gift certificate code 3d as an identification code indicating that this card is gift certificate card 1, and the above-mentioned code that is consecutive to all gift certificate cards 1. Written card number 3e
, amount 3f as amount information, this gift certificate card 1
Denomination code 3 indicating the denomination of face value 2 set at the time of issuance
g etc. are recorded. Note that the membership number 3c is not necessarily necessary, and will be used later when the store investigates the card usage status of each member.

Further, FIG. 1(b) is an external view of the prepaid card 5. As shown in FIG. This prepaid card 5 has a name such as [Shopping Card], a face value 6 such as [50,000 yen], and [2,896 yen].
1...] display with the card number and the magnetic stripe 7
A punch hole 8 is formed to indicate the approximate balance status.

As shown in FIG. 2(b), the magnetic stripe 7 contains the issuing company code 7a, the date of issue 7b, the membership number 7c of the holder of this prepaid card, and the PIN number 7.
d. The consecutive card numbers 7e written on all prepaid cards 1, the amount 7f as amount information, the denomination code 7g indicating the denomination of the face value 6 set at the time of sale of this prepaid card 1, etc. are recorded. ing.

Note that the gift certificate card 1 and the prepaid card 5 have the same external shape and the formation positions of the magnetic stripes 3 and 7.

FIG. 3 is an external view of the card terminal device 11 incorporated in the card transaction processing system of the embodiment. A keyboard 12 is provided on the front of the housing, and a card insertion slot 13 is provided on the top.
9 display section 14 is provided. Furthermore, a pin pad 15 for a customer to input a personal identification number and a printer 17 for printing sales information and the like on a recording sheet 16 are connected to the card terminal device 11 by a cable.

As shown in FIG. 4, the keyboard 12 includes number keys 18. for inputting numerical data. In addition to the confirmation key 19 for confirming entered numerical data, a sales total key 20a1 for totaling the input sales amount for one customer; a cumulative total key and card for accumulating sales during inspection or settlement operations; Various function keys 20 such as a transmission key for transmitting sales information all at once to the center are provided.

Further, this keyboard 12 is provided with a business changeover switch 21 which is operated by an operator using a key. Then, by using this job changeover switch 21, various jobs such as [sales], [inspection], and [accounting] are selected and set.

FIG. 5 is a block diagram showing a schematic configuration of the card terminal device 11. As shown in FIG. R that stores a control program via a pass line 26 to the CPU 25 that executes various information processing
OM 27, RAM 28 for storing various variable data such as various sales summary files, keyboard 12, communication control circuit 3 consisting of MODEM, etc. connected online to two card centers consisting of host computers via telephone lines.
0, a display unit 14 that displays card balances, sales amounts, etc., a card reader/writer 31 that reads and writes information on each card 1.5 inserted from the card insertion slot 13, and an interface 32 connected to the bin pad 15. , an interface 33 connected to the printer 17, etc. are connected thereto.

Further, drive voltages VD and VC are supplied from a power source 34 to each of the electronic components.

In the RAM 28, as shown in FIG.
A gift certificate card sales summary file 28a1 that stores the tax rate (%) corresponding to the tax rate (%), the number of gift certificate cards 1 handled, the sales amount, and the tax amount. Prepaid card sales summary file 2 that stores the number of items and sales amount
8b is formed.

In addition, within the RAM 28, there is a total sales memory 28c that totals the total sales amount for all cards 1.5, a total transaction memory 28d that totals the total number of transactions, and a card that stores card information read by the card reader/writer 31. Information memory 28e1 - total memory 28f for calculating the total sales amount for one customer, transmission buffer 2821 for storing sales information to be sent to the card center 29, display buffer 28h1 for storing display data to be displayed on the display unit 14, in the printer 17 A print buffer 28i and the like are formed to store print data to be printed on the recording paper 16.

When the power supply 34 of the card terminal device 11 is turned on, the CPU 25 is programmed to execute sales processing operations according to the flowchart shown in FIG.

The flow chart starts, and at S (step) 1, keyboard 1 is pressed.
If the job changeover switch 21 of No. 2 is set to the [sales] job, the operation guide for [insert card] is displayed on the display unit 14 via the display buffer 28h. Then, when the gift certificate card 1 or the prepaid card 5 is inserted into the card insertion slot 13, the card reader/writer 31 stores the information shown in FIG. a) or the issuing company code shown in FIG. 2(b).

Membership number, gift certificate code, PIN number, card number.

Read card information including amount, denomination code, etc.

Then, the read card information is stored in the card information memory 28e of the RAM 28. Next, in step 83, it is determined from the card information stored in the card information memory 28e whether the inserted cards 1, 5 can be used in this card terminal device 1.1. Specifically, if the issuing company codes 3a and 7a are the issuing company codes of other unaffiliated companies, it is determined that they cannot be used, and the display unit 14
[Display the message "Cannot be used" and select the corresponding card 1.
,5 is discharged.

If the cards 1 and 5 are usable in S3, a predetermined gift certificate code 3d as an identification code shown in FIG. 2(a) exists in the card information stored in the card information memory 28e in S4. Find out whether or not. If the gift certificate code 3d does not exist, it is determined that the inserted card is the prepaid card 5. Then, in order to identify the user, the display section 14 displays an operation guide for [input a password]. When a 4-digit password, for example, is input by the customer's key operation on the pin pad 15, it is checked in S5 whether the password matches the password 7d stored in the card information memory 28e. If they do not match, display the operating instructions for [Password manual] and wait for the password to be entered again. If the passwords do not match even after the passwords are entered three times, it is determined that the card is an accident card, "unusable" is displayed, and the prepaid card 5 is ejected. If the passwords match, the amount 7f stored in the card information memory 28e is displayed as the card balance in S6.

Note that if the gift certificate code 3d exists in the card information memory 28e in S4, the inserted card is gift certificate card 1.
It is determined that In the case of the gift certificate card 1, since there is no need to identify the card user, the process skips the PIN input operation and immediately proceeds to S6, where the amount 3f stored in the card information memory 28e is displayed on the display unit 14 as the card balance. do.

Then, the amount of the product purchased by the customer is entered using the numeric key 18, and when it is determined that the displayed amount is correct and the confirmation key 19 is entered, the amount is stored in the total memory 2.
Add to the total amount of 8f.

Then, when the sales total key 20a is operated in S7, since the total processing of the sales amount for - customers has been completed, the total amount is shown as amounts 3f and 7f in the card information memory 28e in S8. Make sure the card balance is below.

If it is less than the card balance, the total amount is subtracted from the amounts 3f, 7f, the resulting balance is displayed, and the subtracted balance is written into the card information memory 28e as the new amounts 3f, 7f.

The new amounts 3f and 7f stored in the card information memory 28e are then written into the corresponding area of the magnetic stripe 3.7 of the card 1.5 inserted into the card reader/writer 31.

Next, the total amount, the card balance 2 before subtracting the membership number 1 total amount, and the sales information of the card balance after subtracting the total amount are printed out on the recording paper 16 by the printer 17 and issued as a receipt.

Next, in S9, the card type of the inserted card 1.5 is determined again based on the presence or absence of the gift certificate code 3d in the card information of the card information memory 28e. If the gift certificate card is 1, the denomination code is 3 from the card information memory 28e.
Read g. Then, each denomination (face value) in the gift certificate card sales summary file 28a is searched using this denomination code 3g. When the corresponding denomination (face value) is retrieved, 1 is added to the number of transactions for the corresponding denomination (face value), and the SIO adds the total amount in the total memory 28f to the sales amount for the corresponding denomination. Furthermore, in S11, the tax amount for the current sales amount (total amount) is calculated from the tax rate of the applicable denomination (face value) and the total amount in the total memory 28f, and added to the tax amount of the applicable denomination (face value) in S12. do. This completes the card sales aggregation process for the gift certificate card sales aggregation file 28a.

Then, in step 313, new sales information is sent to the card center 29 via the communication control circuit 30 by adding the previously calculated tax amount to the sales information printed on the receipt.

Furthermore, the above-mentioned total amount is added to the total sales amount in the total sales memory 28c, and 1 is added to the total number of items handled in the total sales memory 28d. After clearing the card information memory 28e and the total memory 28f, S1
At step 4, the inserted card 1.5 is ejected, and the sales processing operation for one customer using the card 1.5 is completed.

Further, if the inserted card is the prepaid card 5 in S9, the denomination code 7g is read from the card information memory 28e. Then, each denomination (face value) in the prepaid card sales summary file 28b is searched using this denomination code 7g. When the corresponding denomination (face value) is searched, 1 is added to the number of transactions for the corresponding denomination (face value), and S
At step 15, the total amount in the total memory 28f is added to the sales amount of the corresponding denomination.

When the card sales aggregation process for the prepaid card sales aggregation file 28b is completed, the sales information printed on the receipt is transferred to the communication control circuit 313 at 313.
It is sent to the card center 29 via.

Cards that can be used in the card transaction processing system configured in this way are a gift certificate card 1 and a prepaid card 5, as shown in FIG.

For both cards 1.5, as shown in Figure 2, the amounts 3f and 7f are sequentially reduced according to the card payment amount.
The denominations 3g and 7g, which do not change and show a face value of 2, are magnetically recorded. The shapes of the cards are the same, and the magnetic stripes 3.7 are formed in the same format as shown in FIG. Therefore, transaction processing can basically be performed using one card terminal device 11.

Then, at the store where the card terminal device 11 is installed,
When sales occur using Cards 1 and 5, when the customer inserts Cards 1 and 5 into the card slot 13, the card type will be automatically determined, and only if it is a prepaid card 5 will there be instructions for entering the PIN number. will be displayed, so ask them to enter their 4-digit PIN using the keypad 15. Next, when the sales amount is entered using the number keys 18 on the keyboard 12 and the sales total key 20a is pressed, the total sales amount is subtracted from the amounts 3f and 7f stored in the inserted card 1.5. , the card 1.5 is ejected.

When the sales amount is paid with the gift certificate card 1, the tax amount is calculated and totaled by denomination (face value) together with the total amount in the gift certificate card sales total file 28a.

Therefore, the store (card sales company) can accurately grasp the net sales after removing the tax from all the sales from the gift certificate card 1.

In addition, the card center 29 has issued (
Always accurately calculate the total uncollected balance that has not been used yet and remains as a card balance on each user's customer gift certificate card 1 against the total issued balance (face value x number of cards) of all gift certificate cards 1 sold (sold). It becomes possible to understand.

In this embodiment, a system is adopted in which the tax corresponding to each face value 2 of the gift certificate card 1 is borne by the card seller.

Further, when the sales amount is paid by prepaid card 5, it is totaled by denomination (face value) in the prepaid card sales totaling file 28b.

Therefore, the store (card sales company) can accurately grasp the sales amount for each face value 6 of all prepaid cards 5, so for example, for each face value 6, this prepaid card 5
Even if the discount rate differs when selling , the correct sales amount for each face value 6 can be grasped.

In this way, gift certificate card 1 and prepaid card 5
Accurate sales management becomes possible by providing a function of totaling the sales amounts for each denomination (face value) in separate sales total files 28a and 28b.

Furthermore, by requiring the input of a PIN number when using prepaid card 5 and calculating the tax amount when using gift certificate card 1, prepaid card 5 and gift certificate card 1
can be completely distinguished. Therefore, since it becomes possible to handle the gift certificate card 1 and the prepaid card 5 with one card terminal device 11, the efficiency of sales operations using cards can be greatly improved.

FIG. 8 is a diagram showing an issuing company code memory 35 formed in a storage unit such as a RAM of a card terminal device of a card transaction processing system according to another embodiment of the present invention. That is, in this embodiment, the issuing company code 3a recorded on the gift certificate card 1 and the issuing company code 7a recorded on the prepaid card 5 are different, and each issuing company code is stored in the issuing company code memory 36. Card type information indicating whether the corresponding card is gift certificate card 1 or prepaid card 5 is stored for each code. Therefore, by searching this issuing company code memory 36 at 84 in FIG.
It is easy to judge whether it is a prepaid card 5 or a prepaid card 5. Therefore, it is possible to obtain substantially the same effects as in the previous embodiment.

Further, FIG. 9 shows a keyboard 36 of a card terminal device of a card transaction processing system according to still another embodiment of the present invention.
FIG. That is, in this embodiment, a gift certificate card key 36a and a prepaid card key 36b are provided which are operated by an operator. In this case, if the operator visually determines the type of card received from the customer, operates the card keys 36a and 36b of the corresponding card, and then performs the normal card sales operation, the type of card operated by the key can be confirmed. Since the sales operation and sales aggregation process corresponding to the above are performed, it is possible to obtain almost the same effect as the previous embodiment.

Furthermore, the invention is not limited to the embodiments described above. In the embodiment, the gift certificate card sales summary file 28a and the prepaid card sales summary file 28
b is provided in the card terminal device 11, but the card center 2
It may also be provided inside.

In this case, the card terminal device 11 may simply transmit all information such as the read card information and the total amount to the two card centers.

[Effects of the Invention] As explained above, according to the card transaction processing system of the present invention, in the case of a prepaid card, the user is identified by inputting a PIN number, and in the case of a gift certificate card, the tax amount is calculated and the gift certificate is processed. Sales are calculated separately for cards and prepaid cards. Therefore, sales of gift certificate cards and prepaid cards can be processed with one card terminal device, greatly improving the efficiency of sales operations using cards, and compared to the case where two devices are installed. Equipment costs for the entire system can be significantly reduced.

[Brief explanation of drawings]

1 to 7 show a card transaction processing system according to an embodiment of the present invention, in which FIG. 1 is an external view of the card, FIG. 2 is a diagram showing card information stored on the card, Fig. 3 is an external view showing the card terminal device, Fig. 4 is a key layout diagram of the keyboard, Fig. 5 is a block diagram showing the schematic configuration of the card terminal device, and Fig. 6 shows each memory formed in the storage section. Figure 7 is a flowchart showing the operation, and Figure 8 is a diagram of the key arrangement of the keyboard in the embodiment. 1...Gift certificate card, 2,6...Face value, 3,7...
・Magnetic stripe, 3a, 7a...Issuing company code,
3f, 7f... amount, 3g, 7g... denomination code,
5... Prepaid card, 7d... PIN number, 11
... Card terminal device, 12 ... Keyboard, 13.
...Card insertion slot, 14...Display section, 15...Pin pad, 17...Printer, 25...CPU, 28
...RAM. 28a...Gift certificate card sales summary file, 28b...
・・Prepaid card sales summary file, 28e・・
-Card information memory, 31...Card reader/writer. Diagram

Claims (4)

[Claims] (1) Card insertion slot (13) of card terminal device (11)
A card reader/writer (31) reads the amount information (3f, 7f) stored on multiple types of cards with different card types and denominations inserted into the computer, and calculates the sales amount entered from the keyboard (12) from the amount information. The amount information after the deduction is written on the card by the card reader/writer and ejected, and the card sales information including the sales amount is sent to the card center (29) connected online to this card terminal device. In a card transaction processing system, a gift certificate card sales aggregation file (28a) that stores the sales amount and tax amount for each denomination of the face value of the gift certificate card (1), and a denomination of the face value of the prepaid card (5). a prepaid card sales summary file (28b) that stores the sales amount for each item; a denomination information reading means (S2) that reads denomination information indicating the face value of the card inserted from the card insertion slot; card type identification means (S4) for identifying whether the inserted card is a gift certificate card or a prepaid card; and a tax amount for calculating the tax amount from the sales amount when the card type identification means identifies it as a gift certificate card. a calculation means (S11), a gift certificate card sales aggregation means (S10, S12) for aggregating the tax amount calculated by the tax amount calculation means and the sales amount by denomination in the gift certificate card sales aggregation file; A user identification means (S5) for identifying the card user when the type identification means identifies the card as a prepaid card; and after the user is identified by the user identification means, the sales amount is stored in the prepaid card sales summary file. A card transaction processing system comprising a prepaid card sales aggregation means (S15) for aggregating by denomination. (2) The card transaction processing system according to claim 1, wherein the card type identification means reads an identification code (3d) recorded in advance on the card and identifies the card using this identification code. (3) The card transaction processing system according to claim 1, wherein the card type identification means reads an issuing company code (3a, 7a) recorded on the card and identifies the card using this issuing company code. (4) The card transaction processing system according to claim 1, wherein the card type identification means identifies the card type by a key input signal of an identification key (36a, 36b) provided on a keyboard.