JPH04180196A - Transaction processor - Google Patents

Abstract

PURPOSE:To prevent the balance of a card from being beyond a purchase limit sum by writing a pertinent repayment sum in the card only when the total of the balance of a prepaid card and the repayment sum is less than the purchase limit sum of this card. CONSTITUTION:When numeric data are less than the repayment total sum, the numeric data are added to the balance data in the card data memory of an RAM 34, and the added result is compared with the purchase limit sum in the card data memory. Then, when the added result is beyond the purchase limit sum, the repayment sum which is beyond the balance of the prepaid card is indicated, and an error processing is operated. When the added result is less than the purchase limit sum, the sum equivalent to the numeric data is displayed as the repayment sum for the payment by the prepaid card, and the sum after subtraction is displayed as the residual repayment sum, at displays 7 and 8. Moreover, the above mentioned sum is added to the balance data in the card data memory. Then, this new balance data are transmitted to a card reader/writer 2, and written in the prepaid card.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a transaction processing device used in industries where it is possible to pay for products using a card with a purchase limit set in advance, a so-called prepaid card.

[Prior Art] Conventionally, Japanese Patent Application Laid-Open No. 2-15391 discloses that when a ticket vending machine that sells tickets using a prepaid card, when a ticket is refunded, information on the refund amount recorded on the ticket to be refunded is used. A technique has been disclosed in which a refund fee is written on a prepaid card.

However, in this case, a refund is possible even if the prepaid card on which the ticket refund fee is written is different from the prepaid card used to pay for the ticket. Therefore, after writing the refund amount, there are cases where the balance on the prepaid card exceeds the purchase limit of that card.

[Problem to be solved by the invention] However, if the balance of a prepaid card is allowed to exceed the preset purchase limit, it is difficult to prevent fraud in which the balance is rewritten to exceed the purchase limit. Have difficulty.

Therefore, the present invention prevents the balance of the card from exceeding the purchase limit when writing the refund amount generated for the transaction processed using the balance of the card for which the purchase limit has been set in advance to the card. The purpose of this invention is to provide a transaction processing device that can improve practicality.

[Means for Solving the Problems] The first invention of the present application has a function of writing a refund amount generated for a transaction processed using a purchase limit or a preset balance on the card into the card. The transaction processing device includes an amount comparison means for comparing the sum of the balance of the card to which the refund amount is to be written and the refund amount with the purchase limit of the card, and a comparison means that compares the sum of the balance of the card and the refund amount using the comparison means. The present invention is provided with a write control means for writing the corresponding refund amount on the card when the purchase amount is below the purchase limit of the card.

A second invention of the present application provides a transaction processing device having a function of writing a refund amount generated for a transaction processed using the balance of a card in which a card identification number is set in advance into the card. A card number comparison means for comparing the identification number of the card to be written with the identification number of the card used to pay the transaction that resulted in the refund amount, and the identification number of the card to be written with the refund amount by this comparison means or the refund amount. and writing control means for writing the corresponding refund amount to the card when the identification number matches the identification number of the card used to pay for the transaction.

[Function] In the first invention of the present application, when a refund amount is generated for a transaction that is processed for payment using the purchase limit or the balance of the card set in advance, the refund amount is written to the card, or At this time, the sum of the balance of the card to which the refund amount is to be written and the refund amount is compared with the purchase limit of the card. Then, when the total of the balance of the card and the refund amount is less than the purchase limit of the card, the corresponding refund amount is written to the card. Therefore, the balance of the card on which the refund amount is written will always be less than the purchase limit of that card, and will never exceed the purchase limit.

On the other hand, in the second invention of the present application, when a refund amount is generated for a transaction processed using the balance of a card for which a card identification number has been set in advance, the refund amount is written to the card. , the identification number of the card to which the refund amount is to be written is compared with the identification number of the card used to pay for the transaction that generated the refund amount. Then, when the identification number of the card to which the refund amount is to be written and the refund amount match the identification number of the card used to pay for the transaction, the corresponding refund amount is written to the card.

Therefore, the refund amount to be written on the card is the amount paid with the card in that transaction, and in this invention as well, the refund amount or the balance on the card written will never exceed the purchase limit of the card.

[Example 1: Hereinafter, the P for registering sales of products purchased by each customer according to the present invention will be described.
An embodiment applied to an O5 (point of sale) terminal will be described with reference to the drawings.

FIG. 1 is an external view of a POS terminal, in which 1 is the terminal body, 2 is a card reader/writer that reads and writes data magnetically recorded on a prepaid card 3, and both are connected by a signal cable. They are electrically connected via 4.

The prepaid card 3 has a card identification number.

The purchase limit and balance are magnetically recorded as card data, of which the card identification number and purchase limit are fixed data, and the balance is variable data. Incidentally, an unused prepaid card 3 is sold to a customer at a purchase limit or an amount close to the limit, with the purchase limit and balance matching. The customer who purchased this prepaid card 3 will pay for the purchased product within the purchase limit.

As shown in the figure, the terminal main body 1 includes a keyboard 5, which serves as an input section for inputting information regarding sales products, etc.
A mode switch 6 operated by a key for selecting various business modes such as "registration", "inspection", "settlement", "setting", etc. and instructing the central processing unit to execute the mode, and a product whose information is input from the keyboard 5. There are provided an operator display 7 and a customer display 8 for displaying product names and prices, customer totals, etc., a printer 9 for printing on receipts, etc., a drawer 10 for storing cash, etc.

As shown in FIG. 2, the keyboard 5 includes number keys 21 for inputting numerical data such as the number of products to be sold and the price, and a plurality of department keys 22 containing preset department codes for classifying each product. , a multiplication key 23 for instructing multiplier input
, a subtotal key 24 that instructs calculation of a subtotal amount, a deposit/cash key 25 that instructs payment in cash, and a prepaid card 3
Various keys are arranged, such as a card key 26 for instructing payment, a bulk cancellation key 27 for instructing cancellation of transactions, a clear key 28 used for clearing numbers and canceling errors, and a return key 29 for declaring return of sold products. It is set up.

The card reader/writer 2 has a card slot 11 on the front of the housing.
The prepaid card 3 inserted through the card insertion/ejection opening 11 is carried inside by a transport system (not shown), and after being positioned at a predetermined position, data is read/written by a read/write head (not shown). It becomes.

FIG. 3 is a block diagram showing the control circuit of the terminal main body 1. In the figure, 31 is a CP as a central processing unit.
A signal is inputted to the second CPU 31 via the pass line 32 from the memory section of the ROM 33 and RAM MB2, the clock circuit 35 that measures the date and time, and the mode switch 6, and the signal is inputted to the drawer 10. an I10 port 36 that outputs an open signal from the keyboard, a keyboard controller 37 that receives key signals from the keyboard 5, and a display controller 3 that drives and controls each of the displays 7 and 8.
8. A printer controller 39 that drives and controls the printer 9; a card reader/writer interface 40 that sends and receives data to and from the card reader/writer 2; It is configured by connecting each part of a communication interface 43 that performs transmission and reception.

The ROM 33 stores fixed data such as program data for the CPU 31 to control each section.

As shown in FIG. 4, the RAM 34 stores the department code, number of sales items, and sales amount of each product registered for sale in one transaction for each product in area a1, and also stores the total number of items and total amount. Transaction data buffer 51.1 Stored in areas a2 and a3, respectively, from the card payment buffer 52 and prepaid card 3, which can store the amount paid by the prepaid card 3 and its card number for the total amount of the transaction for up to 10 cards. Card data memory 53 for storing read card data such as card identification number, purchase limit and balance; 1 Card number counter N area 54 for counting the number of prepaid cards 3 used for transaction payment; card reader/writer; A region 55 of a card insertion flag F1 that distinguishes whether or not card data of the prepaid card 3 inserted into the prepaid card 2 is input, and a card payment flag F2 that distinguishes whether or not payment is made using the prepaid card 3 are formed.

The CPU 31 is program-controlled to execute the process shown in FIG. 5 while the mode switch 6 selects the "registration" mode. That is, when a department of a sales product is registered manually using keys on the keyboard 5, the department code, number of sales items, and sales amount of the registered item are stored in area a1 of the transaction data buffer 51 in the order of registration, and the number of sales items and sales amount are stored in the area a1 of the transaction data buffer 51. in area a2. of the same buffer 51. Addition processing is performed to a3.

Further, the department code and sales amount are displayed on the respective displays 7 and 8, and are printed out on a receipt or the like by the printer 9. (Department Registration Process) In this way, the department registration of all the products purchased by one customer is completed, and when the subtotal key 24 or the key is entered as ST (step) 1, the area a3 of the transaction data buffer 51 is
The stored data is displayed as the total amount on each display 7 and 8, and is also printed out on a receipt or the like by the printer 9.

Next, as ST2, the card insertion flag F1 in the area 55 is
Find out. In this case, since the flag F1 has been reset to "0", it is determined that the card data of the prepaid card 3 has not been input, and the card reader/writer interface 4
A card insertion permission command is sent to the card reader/writer 2 via 0.

When the card reader/writer 2 receives this card insertion enable command, it determines whether or not a prepaid card 3 is inserted from the card insertion/ejection slot 11, and if so, reads the card data of the card 3. and sends a reply to the terminal main body 1 side.

Therefore, when the CPU 31 receives the card data via the card reader/writer interface 40 in ST3, it sets the card insertion flag F1 to "1". Also,
The card number counter N in the area 54 is updated by "+1". Note that the counter N has been cleared to "0" in response to the transaction closing operation by the previous customer.

Next, in ST4, it is determined whether the counter N or the card payment amount buffer 52 exceeds the number of cards that can be managed (10). If the amount has not been exceeded, the received card data (card number, purchase limit, balance) is stored in the card data memory 53, the balance is displayed on each display 7.8, and the process returns to ST2.

On the other hand, if it exceeds this, a message to the effect of the number of sheets error is displayed on each display 7.8, a card ejection command is sent to the card reader/writer 2, and the card insertion flag F1 is set to "0". Reset and return to ST2.

When the card reader/writer 2 receives the card ejection command, it ejects the inserted prepaid card 3 to the card insertion/ejection opening 11.

If the card insertion flag F1 is set to "1" in ST2, or if no card data is responded to the card insertion permission command in ST3, it is determined in ST5 whether or not the keys on the keyboard 5 are pressed manually. do. Here, if there is no key personnel, the process returns to ST2.

In ST5, if there is a key input manually, the type of input key is determined, and key processing corresponding to the type of key is executed.

FIG. 6 is a flowchart showing the key processing when the card key 26 is manually pressed. When the manual keying of the card key 26 is detected in ST5 of FIG. 5, the key processing of FIG. 6 is started. That is, the card insertion flag F1 is checked.

If the same flag F1 is reset to "0", the card reader/writer 2 is instructed to pay with a prepaid card even though no prepaid card 3 is inserted, so each display 7, 8 A message indicating that there is a key manual error is displayed on the screen, and the process returns to ST2.

If the card insertion flag F1 is set to "1", the card payment flag F2 in the area 55 is also set to "1".
Set to . Next, it is determined whether or not a number has been set using the number key 21 immediately before the current key of the card key 26 is pressed manually. If the number has not been entered, the amount paid by the prepaid card 3 has not been entered using the number keys 21, and therefore each display 7 is processed as an error process.
゜A message indicating that there was a human error will be displayed. Further, the counter N is checked, and only if the value of the counter N is "1", the card payment flag F2 is reset to "0" and the process returns to ST2.

If a number has been entered using the numeric key 21 immediately before the manual input of the card key 26, the number data entered is compared with the balance data in the card data memory 53. and,
If the number data exceeds the balance data, it is a mistake in the number setting that instructed payment of an amount higher than the balance of the prepaid card 3, so the above-mentioned error processing is performed and the process returns to Sr1.

If the number data is less than the balance data, the number data is compared with the total amount data in the Ariami 3 in the transaction data buffer 51. If the number data exceeds the total amount data, it is a number entry error that instructed payment of an amount higher than the total amount, so the above-mentioned error processing is performed and the process returns to Sr1.

If the number data is less than or equal to the total amount data, the amount corresponding to the number data is set as the payment amount using the prepaid card 3, and the number of cards corresponding to the card number counter N in the card payment amount buffer 52 is added together with the card number in the card data. Store in area. In addition, the transaction data buffer 51
The above payment amount is subtracted from the total amount in the Ariami 3 at , and the amount after the reduction is displayed on each display 7, 8 as the remaining payment amount. Furthermore, the above-mentioned payment amount is subtracted from the balance data in the card data memory 53, and the reduced amount is set as a new balance in the card data memory 53.
Store in 3. Then, after sending the second new balance data to the card read writer 2 and instructing it to be written into the prepaid card 3, a card ejection command is sent to the card read writer 2. As a result, either the new balance or the prepaid card 3 written as balance data is ejected from the card reader/writer 2 through the card slot 11.

Thereafter, the contents of area a3 in transaction data buffer 51 are checked. If the value is greater than "0", there is a portion of the total amount paid by the prepaid card 3 and a balance remaining, so the card insertion flag F1 is reset to "0" and the process returns to Sr1. On the other hand, if the content of area a3 is "0", the transaction has been completed by paying the entire amount using the prepaid card 3. Therefore, the content of the transaction data buffer 51 is sent to the host computer 41 via the communication interface 43. to register the sales.Also, the printer 9 issues a receipt.Then, the transaction data buffer 51 and the card payment amount buffer 5
2 and set the card number counter N to "0".
Furthermore, the card insertion flag F1 and card payment flag F2 are reset to "0" to complete one transaction.

FIG. 7 is a flowchart showing the key processing when the batch cancel key 27 is manually pressed. When the key press of the batch cancel key 27 is detected at Sr5 in FIG. 5, the key processing in FIG. 7 is started. . That is, first, the card payment flag F2 is checked. If the same flag is reset to F2 or "1", a partial payment of the total amount of one transaction was made using the prepaid card 3, and then an instruction was given to cancel the transaction, so the receipt etc. After printing a message indicating bulk cancellation, the card reader/writer interface 4
A card insertion permission command is sent to the card reader/writer 2 via 0. Thereafter, when card data is received via the card reader/writer interface 40, the card data is stored in the card data memory 53.

Next, the card identification number in the card data memory 53 and the card identification number in the card payment amount buffer 52 are sequentially compared. (Card number comparison means) If the same number as the card identification number in the card data memory 53 is stored in the card payment amount buffer 52, it corresponds to the corresponding card identification number in the card payment amount buffer 52 as 5TII. The payment amount is displayed on each display 7, 8 as the refund amount generated due to the transaction cancellation, and after being added to the balance data in the card data memory 53, it is cleared to "0". Further, as 5T12, the corresponding card identification number and the above-mentioned refund amount are printed on a receipt or the like by the printer 9. Further, at 5T13, the balance data after adding the refund amount is sent to the card reader/writer 2 to instruct writing to the prepaid card 3, and then a card ejection command is sent to the card reader/writer 2. (Write control means)
After that, it is determined whether the total payment amount in the card payment amount buffer 52 is rOJ or not, and if it is greater than "0", it means that payment was also made with another prepaid card 3 for the transaction, so the card is inserted Send the OK command again and repeat the same process as above. On the other hand, if the payment amount is "0", the refund for the prepaid card payment has been completed, so the transaction data buffer 51 and card payment amount buffer 52 are cleared, and the card number counter N is set to "O". clear. Furthermore, the card insertion flag F1 and the card payment flag F2 are reset to "0", and this processing is ended.

On the other hand, if the same number as the card identification number in the card data memory 53 is not stored in the card payment amount buffer 52, the above-mentioned processes 5T11 to 5T13 are not performed and the card ejection command is immediately sent to the above-mentioned card reader/writer 2. Send to. In this case, since there is still some data in the card payment amount buffer 52, the card insertion permission command will be sent to the card reader/writer 2 again.

Further, when the return key 29 is inputted and the return registration of the product is declared while the "registration" mode is selected by the mode switch 6, the CPU 31 executes the process shown in FIG. is program-controlled.

That is, when the department of a product is registered manually using keys on the keyboard 5, the department code, number of returned items, and amount of returned goods for that product are stored in the registration order in area a1 of the transaction data buffer 51, and the number of returned items and the amount of returned goods are stored in the same order. Area a2 of buffer 51. Addition processing is performed to a3. Further, the department code and the returned amount are displayed on each display 7.8 and printed out on a receipt or the like by the printer 9. (
Return registration process) When the return registration for all products registered in one transaction is completed and the subtotal key 24 is pressed as 5T21, area a of the transaction data buffer 51 is
The data stored in 3 is displayed on each display 7 and 8 as the total amount of returned goods, and is also printed out on a receipt or the like by a printer 9. Next, at 5T22, the card insertion flag F1 is checked. In this case, the flag F1 is "0".
”, so a card insertion permission command is sent to the card reader/writer 2.

Accordingly, when card data is received from the card reader/writer 2 as 5T23, the card insertion flag F1 is set to "1" and the card number counter N is set to "+1".
Update only. Next, the counter N is set as 5T24.
It is determined whether or not exceeds the number of cards (10) that can be managed by the card payment amount buffer 52. and,
If the balance has not been exceeded, the received card data is stored in the card data memory 53, the balance is displayed on each display 7, 8, and the process returns to 5T22. On the other hand, if the number exceeds this, a message to the effect of the number of sheets error is displayed on each display 7, 8, a card ejection command is sent to the card reader/writer 2, and the card insertion flag F
1 to rOJ and return to 5T22.

If the card insertion flag F1 is set to "1" at 5T22, or if no card data is responded to the card insertion enable command at 5T23, it is determined at 5T25 whether or not the keyboard 5 keys are pressed manually. do. Here, if there is no key human power, 5T
Return to 22.

If the key is manually operated at 5T25, the type of key is determined, and key processing corresponding to the type of key is executed.

FIG. 9 is a flowchart showing the key processing when the card key 26 is manually pressed. When the key pressure on the card key 26 is detected at 5T25 in FIG. 8, the key processing shown in FIG. 9 is started. That is, first, the card insertion flag F1 is checked. If the flag F1 is reset to "0", payment by prepaid card is instructed even though no prepaid card 3 is inserted in the card reader/writer 2, so each display 7.8 Displays a message that there is a manual key error and returns to 5T22.

When the card insertion flag F1 is set to "1", the card payment flag F2 is set to "1". Next, press number key 2, which is placed just before the key of card key 26.
1, it is determined whether or not the numbering is being performed. If the number has not been entered, the refund amount due to the returned product was not entered using the number key 21, so the 6th
Error processing similar to the card key processing shown in the figure is performed, and the process returns to 5T22.

If a number has been entered using the number key 21 immediately before the key input of the card key 26, the entered number data is compared with the returned goods total amount data in the Ariami 3 in the transaction data buffer 51. If the entered number data exceeds the total return amount data, it is a number entry error that instructed a refund of an amount higher than the total return amount, so the above error processing is performed and the process returns to Sr1.

If the number data is less than the total return amount data, the number data is added to the balance data in the card data memory 53, and the addition result Q is compared with the purchase limit in the card data memory 53 (amount means of comparison). If the addition result Q exceeds the purchase limit, prepaid card 3
I was instructed to refund an amount that would exceed the balance or purchase limit, so I performed the error process described above and received 5T.
Return to 22.

If the addition result Q is less than the purchase limit, the amount corresponding to the number data will be used as the refund amount for the payment made with the prepaid card 3, and the above refund amount will be calculated from the total returned amount in Ariami 3 in the transaction data/Zuffa 51. reduce the amount,
The amount after the reduction is displayed on each display 7.8 as the remaining refund amount. Further, the refund amount is added to the balance data in the card data memory 53, and the added amount is stored in the card data memory 53 as a new balance. After sending this new balance data to the card reader/writer 2 and instructing it to be written into the prepaid card 3, a card ejection command is sent to the card reader/writer 2.

(Write control means) After that, the contents of area a3 in transaction data buffer 51 are checked. If the value is greater than "O", there is a remaining refund amount for the payment made with the prepaid card 3, so the card insertion flag F
1 to "0" and return to 5T22. On the other hand, if the content of area a3 is "0", it means that the refund of the refund amount generated due to the returned product has been completed, and the content of the transaction data buffer 51 is sent to the host computer 41 via the communication interface 43 and a negative value is returned. Register sales. Also, the printer 9 is caused to issue a return receipt. Thereafter, the contents of the transaction data buffer 51 and the card payment amount buffer 52 are cleared, and the card number counter N is cleared to "0". Furthermore, card insertion flag F
1 and card payment flag F2 to "O",
1. Finish a transaction.

In this embodiment with such a configuration, for example, if a customer purchases a product (department code: 1) with a sales price of 10,300 yen and pays 300 yen with a prepaid card 3 and the rest in cash, the cashier will After registering the department and operating the subtotal key 24, the prepaid card 3 received from the customer is inserted into the card slot 11 of the card reader/writer 2. Then, the balance of the card 3 will be displayed on the display 7.8, and if the balance or the card payment amount is 300 yen or more, you can pay. Operate the key 26. Then, the card payment amount buffer 52 stores the card number of the prepaid card 3 and the input card payment amount of 300 yen. Further, the card payment amount of 300 yen is subtracted from the total amount of 10,300 yen, and the remaining amount of 10,000 yen is displayed on the displays 7 and 8. Furthermore, the card payment amount of 300 yen is subtracted from the balance of the prepaid card 3, and the balance after the reduction is written as a new balance on the prepaid card 3 and discharged from the card slot 11.

Thereafter, the cashier receives payment in cash from the customer for the remaining amount of 10,000 yen displayed on the display 7.8, and closes the transaction using the deposit/total key 25. An example of a receipt issued at this time is shown in FIG.

By the way, if the customer requests to cancel the current transaction after a partial payment has been made using the prepaid card 3, the cashier will immediately press the bulk cancellation key 27, and the customer will not be able to receive the prepaid card. Insert the card 3 into the card reader/writer 2 again. Then, the card identification number of the prepaid card 3 and the card identification number stored in the card payment amount buffer 52 are compared. Then, only if both card identification numbers match, a refund will be made by canceling the transaction. This refund is performed by adding the payment amount corresponding to the corresponding card identification number in the card payment amount buffer 52 to the balance data of the prepaid card 3 inserted into the card reader/writer 2.

Here, the card identification number stored in the card payment amount buffer 52 is the card identification number of the prepaid card 3 used for partial payment in the currently canceled transaction. In other words, after a partial payment is made using prepaid card 3,
If the customer requests to cancel the current transaction, the payment amount can be refunded only to the same prepaid card 3 used for payment. Therefore, the balance of the prepaid card 3 after the refund matches the balance before the transaction, and no problem such as exceeding the preset purchase limit can occur.

Incidentally, when a refund is made to the prepaid card 3 due to transaction cancellation, a transaction cancellation receipt is issued on which the refund amount to the card 3 and the card number of the card 3 are printed out, as shown in FIG.

On the other hand, in the above example, prepaid card 3 provides 30
When a customer who paid 0 yen and the remaining 10,000 yen in cash (a receipt shown in Figure 10 has been issued) requests to return the item, the cashier operates the return key 29 to return the item. Declare registration. Thereafter, after registering the return of the product and operating the subtotal key 24, the prepaid card 3 received from the customer is inserted into the card slot 11 of the card reader/writer 2. Then,
The user recognizes the amount of 300 yen paid by the prepaid card 3 from the receipt shown in FIG. 10, enters the amount r300J using the number keys 21, and then operates the card key 26. Then, the number of items placed is 300 yen or the total amount of returned items is 1.
Since the amount is less than 0,300 yen, the amount Q obtained by adding 300 yen to the balance of the prepaid card 3 inserted into the card reader/writer 2 is compared with the purchase limit of the prepaid card 3. Then, only when the amount Q is less than the purchase limit, a refund of 300 yen will be made to the prepaid card 3 due to the return. This refund is performed by adding the entered refund amount of 300 yen to the balance data of the prepaid card 3 inserted into the card reader/writer 2. Therefore, even in this case, a problem such as the balance of the prepaid card 3 exceeding the preset purchase limit due to the refund cannot occur. In this case, the prepaid card 3 used for payment and the prepaid card 3 used for refund do not necessarily have to match.

Note that the present invention is not limited to the above embodiments.

For example, in the embodiment described above, when a transaction in which a partial payment was made using the prepaid card 3 is canceled, the refund for the canceled transaction is made only to the prepaid card that matches the card identification number stored in the card payment amount buffer 52. The refund amount resulting from the return of a transaction for which payment was made with Prepaid Card 3, if payment was made with Prepaid Card 3,
Prepaid card 3 at the time of payment, such as when writing to
It is possible to make a refund possible even if the prepaid card 3 and the prepaid card 3 at the time of refund do not match.

The batch cancellation key processing in this case is shown in the flowcharts of FIGS. 13 and 14. That is, when the key force of the batch cancellation key 27 is detected at Sr1 in FIG. 5, the operations in FIGS.
The key processing shown in the figure is started, and the card payment flag F2 is checked first. If the flag F2 has been reset to rlJ, a message indicating bulk cancellation is printed on the receipt, etc., and the total amount of the payment stored in the card payment amount buffer 52 is displayed on the display 7 as the total refund amount. 8 and print it on a receipt or the like using a printer 9. Next, a card insertion enable command is transmitted to the card reader/writer 2 via the card reader/writer interface 40 as 5T3L. Thereafter, when card data is received via the card reader/writer interface 40, the card data is stored in the card data memory 53.

After that, it waits for key input from keyboard 5.

When the numeric key 21 is pressed manually, the numeric data is stored. Further, when the card key 26 is manually pressed, it is determined as 5T32 whether or not there is set number data. If there is number data, the amount corresponding to the number data is compared with the refund amount as 5T33. If the amount corresponding to the number data is less than the total refund amount, the refund amount for the total refund amount has been specified by the number, so the above refund amount (the amount corresponding to the number data) is added to the balance in the card data memory 53. ) and compares the addition result Q with the purchase limit in the card data memory 53 as 5734 (amount comparison means).

If the addition result Q is less than the purchase limit, the refund amount is subtracted from the total refund amount, and the refund amount is displayed on the displays 7 and 8 and printed on a receipt or the like by the printer 9. Further, the card identification number in the card data memory 53 is printed on a receipt or the like. Also, the addition result Q
is sent to the card reader/writer 2 as a new balance of the prepaid card 3 inserted in the card reader/writer 2 and instructs writing to the prepaid card 3, then a card ejection command is sent to the card reader/writer 2. . (Write control means) After that, the total payment amount is "0"
If it is greater than "0", there is still a refund for the payment made by prepaid card 3, so 5T31
Return to , send the card insertion permission command again, and repeat the same process as above. On the other hand, if the payment amount is "0", the refund for the payment made by the prepaid card 3 has been completed, so the transaction data buffer 51 and card payment amount buffer 52 are cleared, and the card number counter N is set to "0". Clear to. Furthermore, card insertion flag F
1 and card payment flag F2 to "0",
This process ends.

On the other hand, if there is no number data at 5T32, the current refund amount is instructed to be written to the prepaid card 3 inserted in the card reader/writer 2, so the above refund amount is added to the balance in the card data memory 53. Add and
The addition result Q and card data memory 5 as 5T35
Compare the purchase limit amount within 3 (amount comparison means).

If the addition result Q is less than the purchase limit, the total refund amount is displayed on the display 7.8 and printed on a receipt or the like by the printer 9. Further, the card identification number in the card data memory 53 is printed on a receipt or the like. In addition, if the addition result Q is sent to the card reader/writer 2 as a new balance of the prepaid card 3 inserted in the card reader/writer 2 and an instruction is given to write it into the prepaid card 3, the card ejection command is sent to the card reader/writer 2. Send to writer 2. (Write control means) After that, the transaction data buffer 51 and the card payment amount buffer 52 are cleared, and the card number counter N
Clear to “0”. Furthermore, the card insertion flag F1 and the card payment flag F2 are reset to "0", and this processing is ended.

If the amount corresponding to the number data entered is greater than the total refund amount in 5T33, it is a mistake that the refund amount exceeding the total refund amount was entered, so a card ejection command is immediately sent to the card reader/writer 2 to remove the prepaid card. 3 and instructs to redo the operation.

In addition, if the addition result Q is larger than the purchase limit at 5T34 and 5T35, the balance of the prepaid card 3 after the refund exceeds the purchase limit of that card 3, so the card ejection command is immediately sent to the card reader/writer 2.
to eject the prepaid card 3, and instruct to redo the operation.

Therefore, in this case as well, the prepaid card 3 whose payment was refunded due to the cancellation of the transaction is similar to the above embodiment.
There is no possibility of a problem where the balance exceeds the preset purchase limit.

Further, in the present invention, the card identification number of the prepaid card 3 used in the transaction is printed on the issued receipt of a transaction in which the payment was made in part or in whole using the prepaid card 3, as shown in FIG. By inputting the card identification number along with the card refund amount on the receipt when returning a transaction, the input card identification number and the card identification number of the prepaid card 3 inserted into the card reader/writer 2 for refunding. It is also possible to make a refund possible only when the two match.

It goes without saying that various other modifications can be made without departing from the gist of the present invention.

[Effects of the Invention] As described in detail above, according to the present invention, when writing refunds generated for transactions processed using the balance of a card for which a purchase limit has been set in advance to the card, It is possible to provide a transaction processing device that can prevent the balance of the transaction from exceeding the purchase limit and improve practicality.

[Brief explanation of the drawing]

Figures 1 to 12 are diagrams showing one embodiment of the present invention, in which Figure 1 is an external view of a POS terminal, Figure 2 is a key layout diagram of a keyboard, and Figure 3 is a control block of the terminal body. Figure 4 is the main memory configuration diagram of RAM, Figure 5 is the main memory configuration diagram of RAM.
6 is a flowchart specifically showing the card key processing in FIG. 5; FIG. 7 is a flowchart specifically showing the batch cancellation key processing in FIG. 5; Figure 8 is a flowchart showing the main processing of the CPU for return operations, Figure 9 is a flowchart specifically showing the returned card key processing in Figure 8, Figure 10 is a diagram showing an example of issuing a normal receipt, and Figure 11. 12 is a diagram showing an example of issuing a transaction cancellation receipt, FIG. 12 is a diagram showing an example of issuing a return receipt, and FIGS. 13 and 14 are flow charts showing modified examples of batch cancellation key processing. 1... Terminal body, 2... Card reader/writer, 3... Prepaid card, 5... Keyboard. 26...Card key, 27...-Batch cancellation key, 29
...Return key, 31...CPU, 33...ROM,
34...RAM, 51...Transaction data buffer, 5
2...Card payment amount buffer, 53...Card data memory. Applicant's Representative Patent Attorney Takehiko Suzue Figure 1 Figure 2 Figure 4 Figure 6 Figure 7 Figure 9 Figure 12 Figure 13

Claims (2)

[Claims] (1) In a transaction processing device that is equipped with a function to write the refund amount generated for a transaction processed using the balance of a card for which a purchase limit has been set in advance to the above-mentioned card, the card to which the refund amount should be written is an amount comparison means for comparing the sum of the balance and the refund amount with the purchase limit of the card; and a means for comparing the sum of the balance and the refund amount of the card with the purchase limit of the card; A transaction processing device comprising: a writing control means for writing a corresponding refund amount; (2) In a transaction processing device that is equipped with a function to write the refund amount generated for a transaction processed using the balance of a card whose card identification number has been set in advance, to the card, the card to which the refund amount should be written is A card number comparison means for comparing the identification number with the identification number of the card used to pay for the transaction that resulted in the refund amount; and a card number comparison means that compares the identification number of the card used to pay for the transaction that resulted in the refund amount; A transaction processing device comprising: writing control means for writing the corresponding refund amount to the card when the identification number matches the identification number of the card used for payment.