JPH05108901A - Prepaid card and its adjustment device - Google Patents

Abstract

PURPOSE:To eliminate the cash delivery at cancelling the transaction which is an interruption to the introduction of the prepaid card. CONSTITUTION:The prepaid card adjustment device with at least a prepaid card reader/writer 11 reading and writing a prepaid card, an input part 54 through which an operator performs the input, a display part 55 displaying the output for the operator, a merchandise registration control part 22 registering the purchased merchandise, a settlement control part 23 performing the settlement processing using the information on the prepaid card is provided with a normal transaction update means 51 updating the last transaction data and the transaction data before the last, a cancellation comparison means 52 outputting the result by comparing the input data with the last input data, and a cancellation update means 53 updating the last transaction data, the transaction data before the last, and the present remainder based on the output result of the refund comparison means 52.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card and its settlement device. The present invention relates to a method for canceling prepaid card data when erroneous data is registered during a prepaid card transaction and the amount data of the prepaid card is updated.

In recent years, not only prepaid cards such as telephone cards and orange cards, but also prepaid cards have come to be used in department stores, supermarkets, and shopping districts. In department stores and supermarkets, prepaid cards are issued as gift certificates with a predetermined amount of value in advance. Customers pay with this prepaid card when paying for product purchases. In payment with a prepaid card, it is necessary to consider how to write erroneous data on the card due to an operator error or the like.

[0003]

2. Description of the Related Art FIG. 6 is a block diagram of a conventional prepaid card settlement apparatus. In the figure, 10 is a CPU that controls the hardware of the prepaid card payment device, 11 is a prepaid card reader / writer that reads and writes a prepaid card, 12 is a memory that stores software of the prepaid card payment device, and that stores various types of information, 13 Is a drawer for storing cash, 14 is a keyboard for an operator to input to the prepaid card settlement device, 15 is a display for the prepaid card settlement device to display, and 16 is a printer for the prepaid card settlement device to print out.
It is the main hardware that constitutes the prepaid card settlement device.

Reference numeral 20 is a system control unit for controlling the software system, 21 is an input / output control unit for controlling the input / output device of the prepaid card settlement device, and 22 is a control for the operator to register the customer's purchased product from the keyboard 14. The product registration control unit 23, the payment control unit 23 for controlling the purchase price of the customer on the prepaid card, and the other software 24 are the main components of the software of the prepaid card settlement apparatus.

FIG. 7 shows the format of a conventional prepaid card. As shown in the figure, the conventional card format has areas for card-specific information (ticketing date, issued amount, balance, card number, etc.) and current settlement information (settlement date, transaction serial number, settlement amount, etc.).

At the time of normal transaction, first, the operator registers the customer's purchased product from the keyboard 14, and the product registration control unit stores it in the memory 12 to calculate the accumulated amount. Next, when the customer presents the prepaid card, the operator inserts the card into the prepaid card reader / writer 11 of the prepaid card settlement apparatus. The settlement control unit 23 of the prepaid card settlement apparatus reads these pieces of information, transfers them to the memory 12, and displays the balance on the screen of the display 15, so that the operator confirms whether this settlement is possible.

If payment is possible, a payment instruction is input. The payment control unit 23 performs payment, updates the current payment information and the balance on the prepaid card, rewrites the new data, ejects it from the prepaid card reader / writer 11, and returns it to the customer. Here, the input / output control unit 21 controls the prepaid card reader / writer 11, the keyboard 14, the display 15, and the like.

If payment is not possible, the customer is informed accordingly and the difference is settled by another card or cash.

[0009]

[Problems to be Solved by the Invention] However, in a prepaid card transaction, when an operator makes a card payment without noticing an input error of the amount, or when a customer tries to return a product purchased by the prepaid card. ,
Basically, in consideration of problems such as tampering with the data on the card, we have avoided adding and updating the amount data.

When the above situation occurs, a method of issuing a replacement prepaid card or returning cash to the customer is adopted. For this reason, there was a problem that the cash was handed over even though the prepaid card was introduced for the purpose of cashless use and the wasteful processing of having to prepare a replacement prepaid card at the store side. ..

It is an object of the present invention to provide means for eliminating wasteful processing on the side of a store and eliminating cash delivery at the time of transaction cancellation, which is an obstacle to the introduction of prepaid cards.

[0012]

The above problems can be solved by a prepaid card and a settlement device for the prepaid card configured as described below. FIG. 1 is a principle diagram of the present invention. (1) At least a prepaid card reader / writer 11 for reading and writing a prepaid card, an input unit 54 for an operator to input, a display unit 55 for displaying an output to the operator, and a product registration control unit 22 for registering purchased products.
In the prepaid card settlement device having a payment control unit 23 for performing a payment process using the information entered in the prepaid card, the normal transaction update means 51 for updating the transaction data of the previous and the previous one, the input data and the previous time. There is provided a cancellation comparison means 52 for making a comparison with the above and sending a result output, and a cancellation time update means 53 for updating the transaction data of the previous and the previous transaction and the current balance by the result output of the cancellation comparison means 52. To configure. (2) It is configured to have a card format that holds the data of the previous transaction and the transaction before the pre-paid card. (3) At least a prepaid card reader / writer 11 for reading and writing a prepaid card, an input unit 54 for an operator to input, a display unit 55 for displaying an output to the operator, and a product registration control unit 22 for registering purchased products.
In the prepaid card settlement device having a payment control unit 23 for performing a payment process using the information entered in the prepaid card, a normal transaction update means for updating the transaction data of the last time before and the last time before and the balance up to the previous time. 51, a cancellation-time comparison means 52 that compares the input data with the previous time and sends a result output, and the result output of the cancellation-time comparison means 52,
And a renewal means 53 at the time of cancellation for updating the transaction data of the last two transactions and the balance up to the previous transaction.

[0013]

[Action]

(1) In the case of a normal transaction, the normal transaction update means 51 updates the transaction data of the last time and the previous time.

At the time of canceling the transaction record, the canceling comparison means 52 compares the input data with the previous time, determines whether the update is necessary, and sends the result output. And the means for comparing at the time of cancellation
When the update is executed based on the result output of 52, the cancellation update means 53 updates the transaction data of the previous transaction and the transaction before the transaction and the balance of the previous transaction. (2) The pre-previous transaction can be canceled by having a card format that holds the data of the previous transaction and the pre-previous transaction by the prepaid card. (3) In the case of a normal transaction, the normal transaction update means 51 updates the transaction data of the last time before and the time before the last time and the balance up to the previous time.

At the time of canceling the transaction record, the canceling comparison means 52 compares the input data with the previous time, determines whether the update is necessary, and sends the result output. And the means for comparing at the time of cancellation
When the update is executed based on the result output of 52, the update data 53 at the time of cancellation updates the transaction data of the previous transaction and the transaction before the transaction and the balance of the previous transaction.

[0016]

[Embodiment] According to the present invention, when a normal payment process occurs with a prepaid card, the payment information of the transaction and 1
Make sure that the payment information for the previous transaction is stored in the card.

When the cancellation process with the prepaid card occurs, the current payment information and the previous payment information in the card are read by the master unit. Then, when the operator inputs the cancellation amount, a check is made with the current payment amount, and if it is equal to or smaller than the current payment amount, a check is made.
As K, the prepaid card settlement apparatus edits the present payment information, the previous payment information, and the card unique data, and transfers the edited result to the card reader / writer to update the contents of the card. As a result, the card update process is performed, and the prepaid card cancellation process becomes possible.

Examples of the present invention will be described below. FIG. 2 is a block diagram of the prepaid card settlement apparatus according to the embodiment of the present invention. In the figure, 31 is a normal transaction update unit that updates the transaction data of the last time and the last time before the normal transaction, and 32 is a case of canceling the transaction, compares the input data with the previous time, determines whether or not the update is made, and sends the result output. A canceling time comparing unit 33 is a canceling time updating unit for updating the transaction data of the previous transaction, the transaction amount of the previous transaction and the balance of the previous transaction when the update is executed by the output of the result of the cancellation comparing unit 32. In addition, the same reference numerals as those in FIG. 6 are the same.

FIG. 3 shows the card format of the prepaid card used in the embodiment of the present invention. In the present invention, the conventional format is further provided with an area for storing the previous and previous settlement amount, the settlement date, etc. as the previous and previous settlement information.

FIG. 4 is a flowchart of the prepaid card processing according to the embodiment of the present invention. In step 80, it is judged whether the cancellation process or the normal process is input by the operator. If the process is the normal process, the process proceeds to step 81.

Step 81 is a normal process, in which the merchandise purchased by the customer inputted by the operator from the keyboard 14 is registered in the memory. When the registration of the product in step 81 is completed and a registration end key (not shown) is pressed, the process proceeds to step 82 to calculate the subtotal of the purchase price of the product registered in the memory.

Next, in step 83, the prepaid card unique data inserted, the previous transaction data, and the previous previous transaction data are read into the memory by the prepaid card reader / writer 11. In step 84, the new balance amount is calculated from the balance and the subtotal, and the settlement data for this time is created. In step 85, write the new balance amount to the balance item, the previous transaction data read in the memory to the previous transaction data item, and the current payment data to the previous transaction data item on the prepaid card reader / writer 11 .. When the writing is completed, the processing ends.

Next, the cancellation process will be described. In step 86,
The transaction serial number to be canceled input from the keyboard 14 is registered in the memory. In step 87, the product to be canceled input from the keyboard 14 is registered in the memory. In step 88, the subtotal of the registered products is calculated. These are performed by the product registration control unit 22.

Next, in step 89, the prepaid card specific data, the previous transaction data, the previous transaction data and the balance data inserted are read from the prepaid card by the prepaid card reader / writer 11 and registered in the memory.

In step 90, the amount of cancellation amount input from the keyboard 14 is compared with the balance data read from the prepaid card into the memory. When the balance data is larger, it proceeds to step 95, and when it is smaller, it proceeds to step 92.

In step 92, the shortage of money and the shortage of money are displayed on the display. If there is an input to change the amount of cancellation in step 93, and if there is input, step
If not, the process proceeds to step 94 and proceeds to step 94 to stop the process and end.

In step 95, the balance is calculated and updated payment data is created. In step 96, the new balance and the updated payment data are written in the prepaid card by the prepaid card reader / writer 11. When the writing is completed, the processing ends.

Next, how the card data is updated by the card processing will be described. FIG. 5 is an explanatory diagram of the situation of the change of the card data by the processing of the prepaid card,
Figure (a) shows the card data before the cancellation process. According to the card data, this card is the card that the previous payment processing was performed on July 5th, and the payment was 500 yen, and the current balance is 9000 yen, and the payment before the previous payment was performed on July 2nd and the payment was 200 yen. I understand.

First, when a customer makes a purchase of 200 yen, the previous transaction data is transcribed into the previous transaction data, the transaction record of 200 yen is entered in the previous transaction data, and the balance is 20 yen.
Decrease by 0 yen to 8800 yen.

Next, as an example when the cancellation process is performed,
If there was a cancellation of 200 yen of the previous payment amount, the cancellation amount of 200 yen was entered, and as a result of comparison with the previous transaction data of 500 yen in the transaction comparison part, the update is OK and the card data is The previous settlement amount was 300 yen, the balance of the cancellation was updated to 9200 yen, and the card data is as shown in (c) of the figure.

If the operator cancels the full amount of 500 yen, the cancellation amount of 200 yen is input in the same manner, and the result of comparison with the previous transaction data of 500 yen is made in the transaction comparison section.
The update is OK, and the card data is updated to the previous payment information area in the previous payment information area, the previous payment information area is updated to all 0s, and the card data is as shown in (d) of the figure.

If 1000 yen is entered as the cancellation amount due to an operator's erroneous input, the result of comparison with the previous settlement amount of 500 yen becomes NG and the card data is not updated. As described above, the card data is updated to enable the card cancellation process. In this case, the cancellation processing cannot exceed the previous transaction amount.

As another method, the balance as the data of the prepaid card is left as a value that does not subtract the settlement amount of the previous transaction data and the settlement amount of the previous transaction data,
When there is a transaction and the transaction data of the prepaid card is updated, if only the amount of settlement amount of the previous transaction data is deleted from the balance and the previous transaction data is deleted at the same time, It is possible to change the previous transaction data without changing the balance of addition.

That is, if the calculation of true balance = balance = previous previous settlement amount−previous settlement amount is performed every time, the previous / previous settlement amount and the previous settlement amount can be corrected without adding and correcting the balance.

[0035]

As described above, according to the present invention, when an operator makes an erroneous payment of a prepaid card in the transaction of a prepaid card or cancels a product purchased by the prepaid card, the operator registers the prepaid card cancellation process. You can perform card cancellation processing by rewriting the card data of the prepaid card just by performing
It has an effect that it is not necessary to prepare a replacement ticket or the like and pay the amount for cancellation in cash as in the conventional case, which largely contributes to labor saving and cashless operation in in-store work.

When rewriting the card data,
Since the data input by the operator and the data of the previous card are checked, it is possible to prevent falsification of the card data.

[Brief description of drawings]

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

FIG. 2 is a configuration diagram of a prepaid card settlement apparatus according to an embodiment of the present invention.

FIG. 3 is a card format of a prepaid card according to an embodiment of the present invention.

FIG. 4 Prepaid card processing flowchart

FIG. 5 is an explanatory diagram of changes in card data due to processing of a prepaid card.

FIG. 6 is a block diagram of a conventional prepaid card settlement device.

FIG. 7: Card format of conventional prepaid card

[Explanation of symbols]

10 CPU 11 prepaid card reader / writer 12 memory 13 drawer 14 keyboard 15 display 16 printer 20 system control unit 21 input / output control unit 22 product registration control unit 23 payment control unit 24 other 31 normal transaction update unit 32 cancellation comparison unit 33 cancellation Update section 51 Normal transaction update means 52 Cancellation comparison means 53 Cancellation update means 54 Input section 55 Display section

Claims (3)

[Claims] 1. A prepaid card reader / writer (11) for reading and writing a prepaid card, an input unit (54) for an operator to input, a display unit (55) for displaying an output to the operator, and a purchased product. In a prepaid card settlement device having a commodity registration control unit (22) for registering a prepaid card and a settlement control unit (23) for performing a settlement process using information entered in the prepaid card Regular transaction update means
(51), the cancellation data comparing means (52) that compares the input data with the previous time and sends the result output, and the transaction data of the previous time and the previous two times and the current balance by the result output of the cancellation time comparing means (52). A prepaid card settlement apparatus comprising: a renewal means (53) for renewal. 2. A prepaid card having a card format for holding data of the previous transaction and the transaction before the transaction by the prepaid card. 3. A prepaid card reader / writer (11) for reading and writing a prepaid card, an input section (54) for an operator to input, a display section (55) for displaying an output to the operator, and a purchased product. In a prepaid card settlement device having a commodity registration control unit (22) for registering a prepaid card and a settlement control unit (23) for performing a settlement process using information entered in the prepaid card, Normal transaction update means (51) for updating the balance up to the previous time, cancellation comparison means (52) for comparing the input data with the previous time and sending the result output, and the result output for the cancellation comparison means (52) By the last time, the update data at the time of cancellation (5
3) and a prepaid card settlement device characterized by being provided.