JPH07111749B2 - Card transaction processor - Google Patents

Description

The present invention relates to a card transaction processing apparatus that can use a plurality of types of prepaid cards, and in particular, a common card that can be used at each store and a unique card that can be used only at the store of its own. The present invention relates to a card transaction processing device that distinguishes sales.

[Prior Art] In many cases, a prepaid card can be used in ticket vending machines and public phones that sell tickets for transportation. As is well known, the prepaid card has magnetic amount information recorded in advance, and the card user purchases this card by paying a price corresponding to the magnetically recorded amount information. Then, every time the ticket vending machine or the public telephone is used, the amount of money corresponding to the usage fee is subtracted from the magnetically recorded amount information.

It is conceivable that a prepaid card (hereinafter abbreviated as a card) having such a function of prepaid price can be applied to a general store. In this case, the price is collected at the time the card is sold, which is very financially advantageous to the store side. Moreover, since it is not necessary to make a credit reference to the card like a credit card, the efficiency of sales operations can be improved.

[Problems to be Solved by the Invention] However, issuing a card that can be used only at each store for each store is very troublesome for the customer because it is necessary to carry a plurality of different types of cards for each store. Therefore, it is desired to develop a common card that can be used in multiple stores.

On the other hand, for the store side, in addition to the common card that can be used at each store, we can develop a unique card that can be used only at this store that can provide services that are different from ordinary customers for customers who always come to our store Is desired. The unique service may be, for example, to increase the discount amount (discount rate) between the amount (face value) stored in the card and the price when the card is actually sold to the customer.

Therefore, it is desirable that a common card and a unique card can be used at the same time in one store. However, in general, cards with different issuing companies need to be handled by different card transaction processing devices due to the settlement process after sales processing, so multiple devices corresponding to each card are required and The handling work becomes complicated.

The present invention has been made in view of such circumstances,
By identifying whether the card inserted in the card insertion slot is a common card or a unique card, sales information can be aggregated according to the card identification, and customers can shop at multiple stores with one card and also for stores. It is an object of the present invention to provide a card transaction processing device which can simplify the settlement operation to be performed at a later date, improve the service to a specific customer, and are very easy for both parties to use.

[Means for Solving the Problems] In order to solve the above problems, the present invention provides a card reader / writer which stores card information including at least money amount information and issuing company code recorded in the same format on a card inserted from a card insertion slot. In the card transaction processing device, which reads the sales amount, subtracts the sales amount input from the keyboard from the amount information, and writes the amount information after the subtraction to the card with the card reader / writer and discharges the information, read with the card reader / writer Based on the card information, the card inserted from the card insertion slot is issued at all stores including the store where the own transaction device is installed, and at a common store including the stores where the own transaction device is installed. Common cards that can be used, such as a unique card issued at the store where your transaction device is installed and can be used only at your own store, and your transaction device Card identification means for identifying with a unique card issued at a store other than the one in which it is installed, and cards identified as unique cards issued by other stores by this card identification means are discharged as unusable cards Common store registration means that collects sales information of the corresponding card in the common card sales total information file for cards that are identified as common cards by the other store's own card handling prohibition means and card identification means, and card identification means In regard to a card that is identified as an original card issued by its own store, an original sales registration means for accumulating sales information of the corresponding card in an original card sales total information file is provided.

In another aspect of the invention, as the card identifying means, an identification code recorded in advance on a card is read and the identification code is used for identification.

In another invention, as the card identification means,
The issuing company code recorded on the card is read and identified by this issuing company code.

Further, in another invention, as the card identifying means, identification is performed by a key input signal of an identification key provided on a keyboard.

[Operation] In the card transaction processing device configured as described above,
At least the amount information and the issuing company code are recorded in the same format on each of the common card and the unique card that can be used in this transaction processing apparatus. Therefore, it is possible to perform sales processing with the same processing procedure for each card.

Then, when the card is inserted from the card insertion slot, the card identifying means identifies the inserted card issued by its own store and the unique card issued by another store and the common card, Original cards issued at other stores will be discharged as unusable. Then, based on this identification information, the amount of sales by this card is classified into an original card issued by its own store or a common card, and is totaled.
Therefore, the subsequent settlement process becomes easy.

Further, according to the operation of another invention, since the identification code is recorded on the card, when the card is inserted into the card insertion slot, the card type is automatically identified immediately.

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

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

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

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

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

Further, the centers 4 of the franchises [A], [B], [C] ... Are online connected to each other via a communication line.

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

FIG. 3 (a) is an external view of the common card 6, showing a face value such as [common card] and [10000 yen] for which a franchise is designated, a magnetic stripe 8, and punch holes showing an approximate balance state. 9 is formed. Further, FIG. 3 (b) is an external view of the unique card 5, showing the face value such as [individual card] and [10000 yen] designating a store, the magnetic stripe 8 and an approximate balance state. A punch hole 9 is formed.

In each magnetic stripe 8, as shown in FIG. 4, the issuing company code of the company (store) that issued (sold) this card
8a, issue date 8b, cardholder's membership number 8d, consecutive card number 8e on all cards, this card is common card 6
Identification code 8 to identify whether the card is a unique card 5
f, amount of money 8g, metal code 8h indicating the kind of face value of the initial amount (face value) 8g set at the time of issuing this card are recorded.

FIG. 1 is an external view showing a card transaction processing device 11 arranged in each store 1. A keyboard 12 is provided on the entire surface of the housing, and a card insertion slot 13 and a display section 14 are provided on the upper part. Further, to the card transaction processing device 11, 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 paper 16 are connected by a cable.

As shown in FIG. 5, the keyboard 12 has a numeric keypad 18 for inputting numeric data, a confirmation key 19 for confirming the numeric data entered, and a single input key. Various function keys 20 such as a sales total key 20a for totalizing the sales amount of the are provided.

Further, the keyboard 12 is provided with a work changeover switch 21 which can be changed over by an operator with a key. Then, by using the work changeover switch 21, various works such as [sales], [inspection], and [settlement] are selectively set.

FIG. 6 is a block diagram showing a schematic configuration of the card transaction processing device 11.

Via a bus line 26 to a CPU 25 that executes various information processing, a ROM 27 that stores a control program, a RAM 28 that stores various variable data such as a sales totaling memory, and a keyboard 1
2, a communication control circuit 29 such as a MODEM that is online connected to the sensor 4 via the telephone line 3, a card reader / writer 30 that reads and writes information from and into various cards inserted from the card insertion slot 13, a pin pad 15 An interface 31 connected to the printer, an interface 32 connected to the printer 17, and the like are connected.

Further, the drive voltages V _D and V _C are supplied from the power supply 33 to the electronic components.

In the RAM 28, as shown in FIG. 7, the common card 6
Common card sales total memory 28a that aggregates sales information such as sales amount when sold in the same way, unique card sales total memory 28b that aggregates sales information such as sales amount when sold in the same original card 5, card reader / writer 30 Card information memory 28c for storing the card information read in step 2, total memory 28d for calculating the total sales amount of one customer, transmission buffer 28e for storing the sales information to be transmitted to the center 4, display unit 1
A display buffer 28f for storing display data to be displayed on 4, a print buffer 28g for storing print data to be printed on the recording paper 16 by the printer 17, and the like are formed.

Then, when the power supply 33 of the card transaction processing apparatus 11 is turned on, the CPU 25 is programmed to execute the sales processing operation according to the flowchart of FIG.

The flow chart is started, and the keyboard 12 is pressed at S (step) 1.
If the task changeover switch 21 is designated as the [sales] task, the operation guide of [insert card] is displayed on the display unit 14 via the display buffer 28f. Then, 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 uses the card 5, 6, 7
It is confirmed that the card information stored in the magnetic stripe 8 can be normally read. If it cannot be read normally, the message [Card defective] is displayed on the display unit 14,
Eject the inserted card.

When the card information is read normally, the read card information is stored in the card information memory 28c of the RAM 28. Next, it is determined from the card information stored in the card information memory 28c whether the inserted card is a card that can be used in this transaction processing device 11. Specifically, issuing company code 8a
Is an issuing company code of another franchise that is not affiliated, or if the identification code 8f indicates that it is the unique card 5 and the issuing company code 8a is not the issuing company code assigned to its own store 1, that is, The original card issued at another store is judged to be unusable, a message [unusable] is displayed on the display unit 14, and the card is ejected.

If the card can be used, the operation guide of [PIN code input] is displayed at S2, and when the customer inputs a 4-digit PIN, for example, by the key operation on the pin pad 15, the PIN is used as the card information. PIN 8d stored in memory 28c
To see if it matches. If they do not match, the operation guide of [PIN code input] is displayed and waits for the PIN code to be input again. If the passwords do not match even if the passwords are entered three times, it is determined that the card is an accident card, [Unusable] is displayed, and the card is ejected.

When the personal identification numbers match, the amount 8g of the card information memory 28c is displayed as the balance in S3. When the customer purchases the price of the product with the numeric keypad 18, determines that the displayed price is correct, and presses the confirmation key 19,
In S4, the amount is added to the total amount in the total memory 28d. Then, when the sales total key 20a is operated, the total processing of the sales amount for one customer is completed, so it is confirmed that the total amount is less than or equal to the card balance indicated by the amount 8g of the card information memory 28c. .

If it is less than or equal to the card balance, the total amount is deducted from the amount 8g to display the deduction balance, and the deduction balance is written in the card information memory 28c as a new amount 8g.

Then, in S5, 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 cards 5, 6, 7.

Next, in S6, the identification code 8f of the card information memory 28c is read, and it is determined whether the inserted card is the unique card 5, or the common card 6 other than the unique card 5 and the affiliated card 7. In the case of the unique card 5, the 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, in the case of the common card 6 or the affiliated card 7, the sales information such as the total amount is registered in the common card sales totaling memory 28a of the RAM 28.

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

In the card transaction processing device 11 configured in this way,
As shown in FIG. 3, a unique card 5 that can be used only by the store 1, a common franchise card 6 that can be used at each store 1, and an affiliated card 7 that is a common card of another franchise that has a business alliance There are three types of cards. Then, as shown in FIG. 2, each store 1 can use the unique card 5 issued (sold) at its own store 1 and the other common cards 6 and 7.

An identification code 8f for identifying whether the card is the unique card 5 or the common cards 6 and 7 is recorded on each card.

Then, in each store 1, when the sales by the card are generated, the card brought by the customer is inserted into the card insertion slot 13, and the customer is asked to input the 4-digit personal identification number on the pin pad 15. Next, enter the sales amount using the numeric keypad 18 on the keyboard 12, and press the sales total key 20a.The total sales amount is subtracted from the amount 8g stored in the inserted card, and the card is ejected. To be done. Then, the sales information including the sales amount is distinguished by the identification code 8f, and registered and aggregated in the common card aggregation memory 28a of the RAM 28 or the unique card aggregation memory 28b.

In this way, the franchise to be implemented at a later date is issued by being automatically issued by the own store 1 and distinguishing the sales by the own card 5 which can be used only by the own store 1 from the sales by the common card 6 or the affiliated card 7. It is possible to efficiently carry out the settlement work between each store 1 or between franchises.

In addition, recording the membership number 8c and the personal identification number 8d on each card 5, 6, 7 identifies the person who can use this card and shows that it is different from cash and gift certificates, This is because by confirming the membership number and the personal identification number, even if the customer loses the card, it cannot be used by others who have picked it up and can be reissued to the lost person.

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

Also, since the unique card 5 is issued (sold) only in the store 1 of its own, the price can be collected at the time of issuance,
Compared with the common card 6 or the like that is collected later through the center 4, the characteristic is that the rotation efficiency of funds can be improved.

As described above, one card transaction processing device 11 can register sales by the same operation using the common card 6 and the unique card 5, and it is not necessary to install a plurality of card transaction processing devices corresponding to each card type. It is possible to have a device with a very wide range of application.

9 and 10 show a card transaction processing apparatus according to another embodiment of the present invention. The other structure is almost the same as that of the above-mentioned embodiment.

In the transaction processing apparatus of this embodiment, the issuing company code table 28h shown in FIG. 9A is formed in the RAM 28 in addition to the memories 28a to 28g shown in FIG.
That is, for each store 1 of A1 to An, B1 to Bn, C1 ..., the first issuing company code for the common card common to its own franchise and the second for the unique card assigned to each store individually The issuing company code is stored.

The first issuing company code is magnetically recorded as the issuing company code 8a on the magnetic stripe 8 of the common card 6, and the second issuing company code is magnetically recorded as the issuing company code 8a on the magnetic stripe 8 of the unique card 5. Has been done.
As a result, the identification code 8f in FIG. 4 has been removed.

Then, the CPU 25 of this embodiment apparatus executes the sales registration processing for the card inserted in the card insertion slot 13 according to the flowchart of FIG. In addition, S1 to S5 in FIG.
The processing up to is the same as the processing from S1 to S5 in FIG. 8 in the previous embodiment, and therefore the description is omitted.

That is, in FIG. 10, when the process of writing the balance to the card is completed in S5, the issuing company code 8a stored in the card information memory 28c is read out in S7. Then, the issuing company code table 28h shown in FIG. When the relevant issuing company code is searched, it is determined whether or not the searched issuing company code is the second issuing company code for the unique card assigned to the store 1.

In the case of the issuing company code for the unique card, the inserted card is the unique card 5, so the sales information corresponding to this card is registered as sales in the unique card totaling memory 28b.

On the other hand, if the retrieved issuing company code is the first issuing company code for the own franchise or a common card of another franchise other than the unique card assigned to the own store 1, the inserted card is Since it is the common card 6, the sales information corresponding to this card is registered as sales in the common card totaling memory 28a.

Even with the card transaction processing device configured in this way, whether the card inserted into the card insertion slot 13 is the common card 6 or the unique card 5 is automatically identified, and the sales information Total memory 28a, 28 corresponding to the type
Registered in b. Therefore, it is possible to obtain substantially the same effect as that of the previous embodiment.

As shown in FIG. 9 (b), as the issuing company code table 28i, a flag area for storing a unique flag is provided for the issuing company code assigned to each store 1 individually, and the issuing company code table 28i It is also possible to set the unique flag to 1 only for the issuing company code. In this case, if the unique flag set to 1 exists in the retrieved issuing company code,
It is determined that the corresponding card is the unique card 5.

Also, FIGS. 11 and 12 show a card transaction processing apparatus according to still another embodiment of the present invention. In addition,
The other structure is almost the same as that of the first embodiment.

As shown in FIG. 11, the keyboard 12 of the processing apparatus of this embodiment is provided with a unique card key 20b and a common card key 20c for the operator to key in the type of the card inserted into the card insertion slot 13. It is set up. Therefore, the fourth
The identification code 8f in the figure is not provided.

Then, the CPU 25 of this embodiment apparatus executes the sales processing task according to the flowchart of FIG.

The flow chart starts, and the task changeover switch 21 on the keyboard 12
Is designated as the [sales] task, the operation guidance of [input card type] is displayed on the display unit 14 via the display buffer 28f. Then, when either one of the unique card key 20b or the common card key 20c of the keyboard 12 is operated, the type of the operated key is checked, and if the unique card key 20b is operated, the RAM 28 is stored. The unique card flag formed in 1. is set to 1. Then, in S8, the operation guide for [insert card] is displayed.

When the common card key 20c is operated, nothing is done and the process proceeds to S8 to display the operation guide for [insert card]. Then, when the card is inserted into the card insertion slot 13,
In S9, the card information magnetically recorded on this card is read and stored in the card information memory 28c. Then, in S10, the operation guidance of [PIN code input] is displayed on the display unit 14.

Since the processing from S10 to S11 is substantially the same as the processing from S2 to S5 in FIG. 8 described above, description thereof will be omitted.

Then, after writing the card balance to the card in S11, check the state of the unique card flag of RAM28 in S12, and
If set to, the inserted card is the unique card 5
Therefore, the sales information is processed to be registered in the unique card sales total file 28b in S13. After that, the unique card flag is cleared to 0.

On the other hand, if the unique card flag is cleared to [0],
Since the card inserted into the card insertion slot 13 is the common card 6, the sales information is registered in the common card sales total file 28a in S14.

Even if the card transaction processing device is configured in this way, the operator can read whether this card is the common card 6 or the unique card 5 from the items written on the card brought by the customer By inputting the type with each of the card keys 20b and 20c of the keyboard 12, it becomes possible to collect sales information for each type of card. Therefore, the same effect as that of the previous embodiment can be obtained.

[Effects of the Invention] As described above, in the present invention, it is identified whether the card inserted in the card insertion slot is a common card or a unique card. Therefore, the sales information can be aggregated according to the card type, the customer can shop at a plurality of stores with one common card, and the store can also simplify the settlement work to be performed later. Also, since each store is allowed to issue its own card,
It is possible to issue a card with a store-specific premium added to each store, such as the discount rate. Therefore, a service for a specific customer can be improved, and a card transaction processing device which is very easy to use for both parties can be obtained.

In addition, since a common card and an original card have the same format, both cards can be issued by one card transaction processing device, and common cards can be issued by the same operation in one card transaction processing device. It is possible to perform sales registration processing in which a card and a unique card are distinguished. Therefore,
It is not necessary to install a plurality of card transaction processing devices corresponding to each card type, and the device can be applied to a very wide range.

Furthermore, since the unique card is issued only at its own store and cannot be used at other stores, it is possible to collect the payment at the time of issuance, and compared to the common card that is collected later via the center, The rotation efficiency can be improved.

[Brief description of drawings]

1 to 8 show a card transaction processing apparatus according to an embodiment of the present invention. FIG. 1 is an external view, and FIG. 2 is a view showing an entire system incorporating this processing apparatus. FIG. 3 is an external view showing each card, FIG. 4 is a view showing card information stored in each card, FIG. 5 is a key arrangement diagram of a keyboard, FIG. 6 is a block diagram showing a schematic configuration, and FIG. Is a diagram showing each memory formed in the storage unit, FIG. 8 is a flow chart showing the operation, and FIG. 9 is each memory formed in the storage unit of the card transaction processing apparatus according to another embodiment of the present invention. FIG. 10 is a flow chart showing the operation of the apparatus of the embodiment,
FIG. 11 is a diagram showing a keyboard of a card transaction processing apparatus according to still another embodiment of the present invention, and FIG. 12 is a flow chart showing the operation of the apparatus of the same embodiment. 1 …… Store, 5 …… Individual card, 6 …… Common card, 7…
… Collaboration card, 8 …… Magnetic stripe, 8a …… Issuer company code, 8c …… Member number, 8d …… Pin code, 8e …… Card number, 8f …… Identification code, 8g …… Amount, 11 …… Card Transaction processor, 12 ... Keyboard, 13 ... Card slot, 14 ... Display, 15 ... Pin pad, 17 ... Printer, 18 ... Numeric key, 20a ... Sales total key, 20b ... Original Card key, 20c …… Common card key, 25 …… CPU, 28…
RAM, 28a …… Common card sales total memory, 28b …… Individual card sales total memory, 28c …… Card information memory, 2
8h, 28i …… Issuer company code table, 30 …… Card reader / writer.

Claims (4)

[Claims] 1. A card reader which records card information including at least amount information (8g) and issuing company code (8a) recorded in the same format on a card (5, 6, 7) inserted through a card insertion slot (18). A card transaction processing device for reading with a writer (30), subtracting the sales amount input from the keyboard (12) from the amount information, and writing the amount information after subtraction to the card with the card reader / writer and discharging , Based on the card information read by the card reader / writer, the card inserted from the card insertion slot is issued in a common store including a store in which the own transaction device is installed, and the own transaction device is distributed. A common card (6) that can be used in a common store including the established store, and a unique card (5) that can be used only in your own store issued at the store in which your own transaction device is installed.
And a card identifying means for identifying a unique card issued in another store other than the store in which the own transaction device is installed, and a unique card issued in another store by this card identifying means. Common card sales prohibition means that ejects cards as unusable cards, and sales information of the relevant cards for the cards identified as common cards by the card identification means in a common card sales total information file A sales registration means and a unique sales registration means for collecting the sales information of the card identified as the unique card issued by the store by the card identification means in a unique card sales total information file Card transaction processing device. 2. The card transaction processing apparatus according to claim 1, wherein said card identification means reads an identification code (8f) recorded in advance on said card and identifies with this identification code. 3. The card transaction processing apparatus according to claim 1, wherein the card identifying means reads the issuing company code (8a) recorded on the card and identifies the issuing company code. 4. The card transaction processing apparatus according to claim 1, wherein said card identifying means identifies by a key input signal of an identification key (20b, 20c) arranged on a keyboard.