JPH0264895A - Card transaction processing device - Google Patents

Abstract

PURPOSE:To offer a card transaction processing device easy to use by providing a function capable of issuing two kinds of cards of a common card and an exclusive card in different conditions respectively, and summing up sales as classifying them by the kind of the card. CONSTITUTION:The card which can be issued by its own card transaction processing device is the common card 5 capable of being used in all stores and the exclusive card 6 capable of being used in only its own store, and discrimination information for discriminate whether the card in question is the common card or the exclusive card is stored in every card. When sales by the card arises, the discrimination information is judged, and sales is summed up and processed according to the discrimination information. Besides, in the case to issue the common card, the new common card is issued by using an issued membership card or the issued common card, and manual issue in which a membership number or a personal identification number is inputted fro a keyboard by key operation is inhibited. Thus, a customer can do his shopping at plural stores by one card, and for a store side, service for a specified customer can be improved, and the card transaction processing device very easy to use can be obtained.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a card transaction processing device that can use multiple types of prepaid cards, and in particular, a card transaction processing device that can use multiple types of prepaid cards, and in particular, a common card that can be used at each store and a unique card that can only be used at the store itself. The present invention relates to a card transaction processing device having a card issuing function.

[Prior Art] Prepaid cards can often be used in ticket vending machines and public telephones that sell transportation tickets. As is well known, monetary information is magnetically recorded in advance on this prepaid card, and the card user purchases this card by paying a price corresponding to the magnetically recorded monetary information. Then, each time a ticket vending machine or public telephone is used, an amount corresponding to the usage fee is deducted from the magnetically recorded amount information.

It is conceivable that a prepaid card (hereinafter abbreviated as a card) having such a prepayment function can 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.

[Problems to be Solved by the Invention] However, if each store were issued with a card that can only be used at that store, it would be extremely troublesome for customers as they would have to carry multiple types of cards that differ from store to store. Therefore, it is desired to develop a common card that can be used at multiple stores.

On the other hand, for stores, in addition to a common card that can be used at each store, for customers who regularly visit only their store, they can issue a unique card that can be used only at this store and can provide services that are different from those for general customers. is desired. This unique service can be thought of as increasing the discount amount (discount rate) between the amount stored on the card (face value) and the price when the card is actually sold to a customer. .

The present invention was made in view of these circumstances, and
In addition to processing sales using regular prepaid cards, a single device has the ability to issue two types of cards: a common card and a unique card, allowing customers to shop at multiple stores with a single card. The purpose of the present invention is to provide a card transaction processing device that allows a store to improve its service to a specific customer and is extremely easy to use for both parties.

[Means for Solving the Problems] In order to solve the above problems, the present invention reads card information including at least amount information and issuing company code recorded on a card inserted from a card insertion slot with a card reader/writer, In a card transaction processing device that subtracts the sales amount entered from the keyboard from the amount information and writes the deducted amount information on the card with a card reader/writer and outputs the amount, amount information 2 issuing company code, customer membership number. , a common card issuing means for issuing a common card that records common identification information that can be used at all stores including the store where the personal identification number and the own transaction device are installed; amount information 211 issuing association code;
A unique card issuing means that issues a unique card that records the customer's membership number, PIN number, and unique identification information that can only be used at the own store, and detects the identification information of the inserted card and calculates the amount of sales. The system also includes a sales registration means for performing aggregation corresponding to identification information.

In addition, the common card issuing means includes a reading means for reading the membership number and PIN number recorded on the issued common card or membership card entered through the card insertion slot, and at least an issuing company newly inserted into the card insertion slot. It has automatic writing means for writing the common identification information, read membership number, and password onto the original card on which the code is recorded.

In addition, the unique card issuing means is a manual writing method that writes unique identification information, membership number and PIN number keyed in from a keyboard to the original card inserted into the card insertion slot and on which at least the issuing company code is recorded. It is something that has the means.

[Operation] In the card transaction processing device configured in this way,
Cards that can be issued by one's own card transaction device include a common card that can be used at all stores and a unique card that can be used only at one's own store. Identification information for identifying whether this card is a common card or a unique card is stored in each card. Therefore, when sales by card occur, the identification information is determined and the sales amount is aggregated according to the identification information.

Furthermore, when issuing a common card, a new common card is issued using an already issued membership card or an already issued common card. In other words, when issuing a common card,
It becomes possible to prohibit the issuance of manuals in which the membership number and PIN number are entered by key operations on the keyboard.

On the other hand, when issuing a unique card, it is possible to issue it manually by inputting the membership number and PIN number using a keyboard.

In other words, the issuing process of the common card can be carried out more reliably and efficiently, and the issuing conditions for the common card that can be used at all stores can be set more strictly than the issuing conditions for the unique card that can be used only at one's own store.

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

FIG. 2 is a conceptual diagram showing each store where the card transaction processing device of the embodiment is installed and the types of cards (prepaid cards) that can be used at each store.

Each store 1 of A1 to An belonging to the [A] franchise and a card issuing office 2 are connected online via a telephone line 3 to a center 4 of [A] consisting of a host computer.・On the other hand, B1 belonging to the [B] franchise
~Bn stores 1 and card issuers 2 are also online connected via telephone lines 3 to a [B] center 4 consisting of a host computer.

Further, the centers 4 of each franchise [A], [B], [C], . . . are connected online to each other via communication lines.

Each store 1 from A1 to An belonging to the [A] franchise has its own unique card 5 issued by each store 1, and a common card 6 that can be used commonly by all stores in the franchise [A].
, and the affiliated card 7, which is a common card of the affiliated franchise [B], can be used.

Each store 1 of A1 to An belonging to the franchise [A] can issue a unique card 5 that is issued independently by each store 1, and a common card 6 that can be used commonly by all stores of the franchise [A].

Further, the issuing office 2 of the franchise [A] can issue the common card 6 of [A].

FIG. 3(a) is an external view of the common card 6, which has a display of [common card] specifying a franchise, a magnetic stripe 8, and a punch hole 9 indicating the approximate balance status. Further, FIG. 3(b) is an external view of the unique card 5, which has a display of [unique card] specifying a store, a magnetic stripe 8, and a punch hole 9 showing the approximate balance status.

As shown in FIG. 4, each magnetic stripe 8 contains an issuing company code 8a2 an issue date 8b, a card holder's membership number 8d, a card number 8e consecutive to all cards,
Identification code 8f as identification information for identifying whether this card is a common card 6 or a unique card 5, amount 8
g. Initial amount (face value) set at the time of issue of this card
A denomination code 8h indicating the denomination type of 8g, etc. is recorded.

Although not shown in FIGS. 3 and 4, the magnetic stripe 8 in FIG. 4 includes an issuing company code 8a.

An original card on which only the card number 8e, amount 8g, and denomination code 8h are recorded in advance is distributed to each store 1 in advance. The purchaser's membership number 8c and pin number 8d are on the magnetic stripe 8 of this original card.

Then, an identification code 8f and an issue date 8b are written, and the card is issued as a common cart 6 or a unique card 5. Note that two types of original cards are prepared: an original card for the common card 6 and an original card for the unique card.

Further, FIG. 5 shows a membership card 10 that is created prior to purchasing each card 5, 6. This membership card 10 has the same structure as each of the cards 5 and 6, with a name and a membership number written thereon, and a magnetic stripe 8 formed thereon. As shown in FIG. 6, the magnetic stripe 8 of the membership card 10 stores an issuing company code 3a, an issue date 8b, a membership number 8c, and a password 8d.

FIG. 1 is an external view showing a card transaction processing device 11 installed at each store 1. As shown in FIG. A keyboard 12 is provided on the front surface of the housing, and a card insertion slot 13 and a display section 14 are provided on the top. 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 transaction processing device 11 by a cable.

As shown in FIG. 7, the keyboard 12 includes number keys 18. for inputting numerical data. In addition to the confirmation key 19 for confirming entered numerical data, a unique issuing key 20a for issuing a unique card 5, a membership card issuing key 20b for issuing a membership card 10, and a common card 6 are issued. Continuous issue key 20C9 Sales total key 20d
Various function keys 20 such as the following are provided.

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

FIG. 8 is a block diagram showing a schematic configuration of the card transaction processing device 11.

A ROM 27 that stores a control program via a pass line 26 to the CPU 25 that executes various information processing;
RAM2 that stores various variable data such as sales total memory
8, a keyboard 12, a communication control circuit 29 consisting of a MODEM, etc. connected online to the center 4 via the telephone line 3, and a card reader/writer 30 that reads and writes information on various cards inserted from the card insertion slot 13;
．． .

An interface 31 connected to the bin bud 15, an interface 32 connected to the printer 17, and the like are connected.

Further, each drive voltage V D + V C is supplied from the power supply 33 to each of the above-mentioned electronic components.

As shown in FIG. 9, the RAM 28 includes a common card sales totaling memory 28a1 for totalizing sales information such as sales amount when selling with the common card 6, and a unique card 5.
Unique card sales aggregation memory 28b1 card reader/writer 30 that aggregates sales information such as sales amount when sold at
Card information memory 28 that stores card information read by
C1 - Total memory 28 for calculating the total sales amount for one customer
d1 Transmission buffer 28e1 that stores sales information to be sent to the center 4 Display buffer 28f1 that stores display data to be displayed on the display unit 14 Print buffer 28g1 that stores print data to be printed on the recording paper 16 by the printer 17 Self-processing device A keyword memory 28h1 for storing terminal keywords assigned to the terminal, a card issuance registration memory 28i for storing issuance information of cards 5 and 6 issued by this processing device, and the like are formed.

When the power supply 33 of the card transaction processing device 11 is turned on, the CPU 25 is programmed to execute the sales processing operation 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 designated as the [sales] job, the operation guide for [insert card] is displayed on the display section 14 via the display buffer 28f. When the common card 6, the unique card 5, or the affiliated card 7 is inserted into the card insertion slot 13, the card reader/writer 30 correctly reads the card information stored on the magnetic stripe 8 of the card 5°6.7. Make sure it is readable. If the card cannot be read normally, a message "Card Defective" is displayed on the display section 14, and the inserted card is ejected.

When the card information is successfully read in S2, the read card information is stored in the card information memory 28c of the RAM 28. Next, the inserted card is determined by the transaction processing device 11 based on the card information stored in the card information memory 28c.
to determine whether the card can be used. Specifically, if the issuing company code 8a is the issuing company code of another franchise that is not affiliated, or if the identification code 8f indicates that the card is a unique card 5, and the issuing company code 8
If a is not the issuing company code assigned to your store 1, it is determined that it cannot be used, and the display section 14 shows [Unusable].
Display the message and eject the corresponding card.

If the card is usable, an operation guide for [input PIN] will be displayed, and when the customer enters, for example, a 4-digit PIN using keys on the pin pad 15, that PIN will be stored in the card information memory 28c. Memorized PIN number 8d
Check whether it matches or not. If they do not match, display the operation guide for [Enter PIN] and wait for the PIN to be entered again. If the password does not match even after the password is entered three times, it is determined that the card is an accident card, "Unusable" is displayed, and the card is ejected.

If the PIN numbers match, the card information memory 28 is stored in S3.
The amount of c, 8g, is displayed as the remaining amount. Then, when the amount of the product purchased by the customer is entered using the numeric key 18 and the displayed amount is determined to be correct and the confirmation key 19 is entered, the amount is stored in the total memory 28d in S4. Add to the total amount.

Then, when the sell or L total key 20d is operated, the total processing of the sales amount for - customers has been completed, so the total amount is less than or equal to the card balance indicated by the amount 8g in the card information memory 28c. Check.

If it is less than the card balance, the total amount is subtracted from the above-mentioned amount 8g, the subtracted balance is displayed, and the subtracted balance is written into the card information memory 28c as a new amount 8g.

Thus, the new amount of money 8g stored in the card information memory 28c is written in the corresponding area of the magnetic stripe 8 of the inserted card 5.6°7.

Next, in S5, the identification code 8 of the card information memory 28c is
f is read and it is determined whether the inserted card is the original card 5, the common card 6 other than the original card 5, or the affiliated card 7. If it is the unique card 5, sales information such as the total amount is registered in the unique card sales total memory 28b of the RAM 28. On the other hand, if it is a common card 6 or an affiliated card 7, sales information such as the total amount is stored in the RAM 2.
8 is registered in the common card sales total memory 28a.

Thereafter, the sales information is printed on recording paper 16 by printer 17 via print buffer 28g and handed to the customer as a receipt. Ejects the last inserted card.

Further, the CPU 25 executes continuous issuance processing for the common card 6 according to the flowchart in FIG.

If the flowchart is started and the task changeover switch 21 is set to the "card issue" task, a message "card issue" is displayed on the display section 14.

Then, when the continuation issue key 20c is operated in S6, the issuance operation of the common card 6 has started. Waits for input by key operation. If the input terminal keyword matches the terminal keyword in the keyword memory 28h, a message "Continue issue" is displayed in S7.

Then, when the membership card 10 or the issued common card 6 is inserted into the card insertion slot 13, the card information recorded on the magnetic stripe 8 of the inserted card is read by the card reader/writer 30 in S8. It is temporarily stored in the memory 28c. After displaying the member number 8c in the card information memory 28c on the display section 14, the card is ejected.

Issuer code 8a and card number 8e mentioned above in S9
When the original card corresponding to the common card on which the amount of money 8g and the denomination code 8h are magnetically recorded in advance is inserted, it is confirmed that the original card is a correct card that can be used in this transaction processing device 11. . Thereafter, in S10, the card reader/writer 30 inserts the membership number 8c and password 8d stored in the card information memory 28c, as well as the identification code indicating the current issued card and common card read out separately from the clock circuit. Write on the original card.

Then, the card number 8e of the new common card 6.

Card issuing data such as amount 8g and denomination code 8h are printed out on the recording paper 16 by the printer 17, and the RAM
28 in the card issuance registration memory 28i. Finally, the Sll ejects the common card 6 on which the issue date 8b, membership number 3c, password 8d, and identification code 8f are newly written, and on which all the information shown in Fig. 4 is magnetically recorded. The continuous issuance process for common cards 6 ends.

Furthermore, the CPU 25 according to the flowchart of FIG.
By manual operation on unique card 5.

Execute the original issuance process.

Similar to FIG. 11 described above, when the flowchart is started and the business changeover switch 21 is set to the [Card Issue] business, the message [Card Issue] is displayed on the display unit 14. Then, when the original issue key 20a is operated in S12, the issuing operation of the original card 5 has started, so that the terminal keyword assigned to this transaction processing device 11 is the combination of the numeric key 18 and the confirmation key 19. Waits for input by key operation. If the input terminal keyword matches the terminal keyword in the keyword memory 28h, a message "Original issue" is displayed in S13. Then, insert the unique card 5 from the card insertion slot 13.
When the original card corresponding to is inserted, the operation guide for [membership number input] is displayed in S14, and the system waits for the membership number to be input from the keyboard 12. When a membership number is keyed in by operating a combination of the number key 18 and confirmation key 19, the membership number is temporarily stored in the card information memory 28C.

Next, the display section 14 displays an operation guide for [input PIN number], and when the 4-digit PIN number is input from the bin pad 15, it is displayed on the display section 14 and then waits for the confirmation key 19 to be input. When the confirmation key 19 is pressed, the password is temporarily stored in the card information memory 28c.

At S15, the card reader/writer 30 is used to write the membership number 8c and password 8d read from the card information memory 28c onto the inserted original card. At the same time, an identification code 8f indicating that the card is a unique card and a current issue date 8b are written.

Then, the card number 8e of the new unique card 5.

Card issuing data such as amount 8g and denomination code 8h are printed out on the recording paper 16 by the printer 17, and the RAM
28 in the card issuance registration memory 28i. Finally, at 816, the original card 5 on which the issue date 8b, membership number 8c, password 8d, and identification code 8f are newly written and all the information shown in FIG. The manual issuance process for the original card 5 ends.

Note that, as shown in FIG. 12, the method of issuing the unique card 5 includes the method of inputting the membership number and PIN number by manual key operation on the keyboard 12, as well as the method of issuing the common card 6 shown in FIG. Similar to the operation, a new unique card 5 can also be issued by inserting an already issued unique card 5 into the card insertion slot 13 and using the membership number and PIN recorded on this unique card 5. It is possible.

However, on the other hand, it is programmatically prohibited to issue the common card 6 by manual key operations similar to those for the unique card 5.

In the card transaction processing device 11 configured as described above, as shown in FIG. There are three types of cards, including affiliated card 7, which is a common card of other franchises. As shown in FIG. 2, at each store 1, the unique card 5 issued by the card transaction processing device 11 of the own store 1 and other common cards 6 and 7 can be used.

Each card has an identification code 8f that identifies whether the card is a unique card or a common card.
is recorded.

When card sales occur at each store 1, as shown in FIG. Get it. Next, when the sales amount is entered using the number keys 18 on the keyboard 12 and the sales total key 20d is pressed, the total sales amount is subtracted from the amount 8g stored in the inserted card, and the card is ejected. be done. Sales information including sales amount has an identification code of 8f.
Common card tally memory 28a of RAM 28
Alternatively, the cards are registered and tallied in the unique card tally memory 28b.

In this way, by distinguishing and automatically aggregating sales from the unique card 5 issued by the own store 1 and sales from the common card 6 or affiliated card 7, sales between each franchise store 1 or between franchises that will be implemented at a later date can be calculated automatically. Payment operations can be carried out efficiently.

In addition, each card 5.6.7 has a membership number 8c and a PIN number 8.
The purpose of recording d is to identify the person who can use this card, to show that it is different from cash or gift certificates, and to confirm the membership number and PIN number, even if the customer does not use the card. This is so that even if the card is lost, it cannot be used by someone else who finds it, and it can be reissued to the person who lost it.

Further, the card transaction processing device 11 installed in each store 1 can issue (sell) a unique card 5 specifying its own store 1 and a common card 7 specifying its own franchise in response to a customer's request. . However, the common card 6 and the unique card 5 have different issuance conditions. That is, in this embodiment, when issuing the common card 6, the membership card 10 with the membership number and PIN number recorded or the already issued common card 6 is required. Insert the card into the card insertion slot 13, read the membership number and PIN number, and automatically write the separately inserted issuing company code 8a, card number 8e, amount 8g, etc. on the original card recorded in advance to create a new card. It will be issued as a common card 6.

On the other hand, when issuing a unique card 5, the same as the above-mentioned common card 6, the issued unique card 5 or membership card 1
In addition to automatic issuance using 0, it is also possible to issue manually by manually inputting the membership number and password.

In this way, when each store 1 continuously issues new cards 5 and 6, it is possible to use the membership card 10 or the already issued card 5.6, so there is no need to enter the membership number or PIN manually. Therefore, inputting an incorrect number can be prevented, and the efficiency of card issuing operations can be greatly improved.

When purchasing the common card 6 for the first time, specify the PIN number at the card issuer 2 or the card transaction processing device 11 of each store 1 and enter the issuing company code.

After creating a membership card 10 in which a membership number and a personal identification number are recorded, a common card 6 is issued using this membership card 10. In this way, when issuing the common card 6, the already issued common card 6 or membership card 10 is always used, so each store 1 does not issue the wrong common card 6 and cause trouble to other stores. We are preventing this from happening.

Further, when issuing the unique card 5, since this unique card 5 can only be used by the own store 1, even if the card is issued by an erroneous manual operation, it can be dealt with within the own store 1.

Furthermore, by allowing each store 1 to issue its own card 5, it is possible to issue a card with a store-specific premium such as a discount rate added to each store 1.

In addition, since the unique card 5 is issued (sold) only at the own store 1, the payment can be collected at the time of issue.
Compared to the common card 6 which is collected later via the center 4, it has the feature of improving the efficiency of fund turnover.

In this way, by one card transaction processing device 11,
In addition to normal sales processing using cards, it is possible to issue common cards and unique cards, and there is no need to install a separate card issuing device, making it possible to make the device extremely versatile.

[Effects of the Invention] As explained above, in the present invention, one device can:
In addition to processing sales using normal prepaid cards, it also has the ability to issue two types of cards, common cards and unique cards, each with different conditions, and also tallies sales by card type.

Therefore, the customer can shop at multiple stores with one card, the store can improve services for specific customers, and it is possible to provide a card transaction processing device that is extremely easy to use for both parties.

[Brief explanation of the drawing]

The figures show a card transaction processing device according to an embodiment of the present invention; FIG. 1 is an external view, FIG. 2 is a diagram showing the entire system in which this processing device is incorporated, and FIG. 3 is a diagram showing each card transaction processing device. 4 is a diagram showing the card information stored in each card. FIG. 5 is an external view showing the membership card. FIG. 6 is a diagram showing the card information stored in the membership card. 8 is a block diagram showing a schematic configuration, FIG. 9 is a diagram showing each memory formed in the storage section, and FIG.
0 to 12 are flowcharts showing the operation. 1... Store, 5... Unique card, 6... Common card, 7... Affiliated card, 8... Magnetic stripe, 8a
...Issuing company code, 8C...Membership number, 8d...
・PIN number, 8e...Card number, 8f...Identification code, 8g...Amount, 10...Membership card, 11...
Card transaction processing device, 12...Keyboard, 13...
・Card insertion slot, 14...Display section, 15...Pin pad, 17...Printer, 18...Number key 20
a...Uniquely issued key 20c...Continuously issued key 2
0d...Sales total key 25...CPU, 28...
RAM, 28a... Common card sales total memory, 28
b...Unique card sales total memory, 28c...Card information memory, 30...Card reader/writer. Applicant's agent Patent attorney Takehiko Suzue Engraving of the drawings (no changes to the content) Figure 1 Figure 9 Ro = ■ Positive ball seven ■゛[Itoda Cunyama 03 Tadashi Showa 63 (il () month 7 1, 'Imu 1 agency official ＾ 1) Moon Takeshi 1, matter 1/1
Indication of patent application No. 63-216852 No. 2, name of invention Card transaction processing device 3, relationship with person making amendment 811 I/1 Patent applicant (057) Anritsu Corporation 4, agent Chiyoda-ku, Tokyo Seki 3 T-th 7? f12 No. 118 [Building 〒100 Telephone 03 <502] 3181 (Main representative) 6o Drawings subject to amendment Plan 7, contents of amendment Engraving of the drawing originally attached to the application.

Claims (3)

[Claims] (1) Cards inserted from the card slot (5, 6, 7)
), the card information including at least the amount information and the issuing company code is read by the card reader/writer (30), and the sales amount entered from the keyboard (12) is subtracted from the amount information. A card transaction processing device that writes and outputs the amount information on the card using the card reader/writer, the amount information, the issuing company code, the customer's membership number, the PIN number, and the store (1) where the transaction device is installed. Common card issuing means (S6 to S11) for issuing a common card (6) recording common identification information that can be used at all stores including
and unique card issuing means (S12 to S16) for issuing a unique card (5) recording the amount information, issuing company code, customer's membership number, PIN number, and unique identification information that can be used only at the own store. and a sales registration means (S5) that detects the identification information of the inserted card and performs aggregation of the sales amount corresponding to the identification information. (2) The common card issuing means includes a reading means (S8) for reading the membership number and PIN number recorded on the issued common card or membership card inputted from the card insertion slot, and automatic writing means (S10) for writing the common identification information, the read membership number, and the password into the inserted original card in which at least the issuing company code is recorded;
) The card transaction processing device according to claim 1, comprising: (3) The unique card issuing means writes a manual for writing unique identification information, a membership number and a PIN number keyed in from a keyboard into the original card inserted into the card insertion slot and on which at least the issuing company code is recorded. Insertion means (S
14 to S15). The card transaction processing device according to claim 1.