JPH07334633A - Multi-functional card processing method and terminal equipment using the card processing method - Google Patents

Abstract

PURPOSE:To shorten the operating time by reading en bloc all card information out of a multi-functional card and using a selected system based on the card information corresponding to the selected system among those card information when a desired system is selected. CONSTITUTION:Bank POS information, credit information, stamp point information and prepaid information are all read out of the magnetic stripes of the multi-functional card that is loaded in a card reader/writer 41. These read information are stored in a memory 22. Then, a selection menu is displayed on a CRT 33 for selection of a credit card processing selection icon or a prepaid card processing selection icon, etc. When either one of ions is selected, this selection is decided and the credit card or prepaid card processing is carried out based on the deciding result. Then, the bank POS processing and the point processing are carried out, and the processing is finished.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a multi-function card processing method and a terminal device using the same, and more particularly to a multi-function card processing method that can use the functions of a plurality of systems and a terminal device using the same.

In recent years, a multi-function card having a plurality of functions such as a credit card system, a prepaid card system, a point system, and a bank POS system in which a plurality of magnetic stripes or IC memories are provided on one card has been attracting attention. ing.

[0003]

2. Description of the Related Art Conventionally, when using the above-mentioned multi-function card in a POS (Point of Sales) terminal, after specifying which system is to be used, the multi-function is performed by a card reader / writer of the POS terminal. The card information regarding the specified system is read from the card, and the processing of the specified system is executed using this information. Further, depending on the system, the processing result is written in the storage location of the information regarding the system designated by the multifunction card.

When using a credit card system, for example, as shown in FIG. 9, use of the credit card system is designated in step S10, and thereby credit information is read from the multi-function card in step S12. After that, in the credit processing of step S14, the product number, the amount of money, etc. are input and transmitted together with the credit information to the computer system of the credit company through the communication line, and the response is received from this computer system to display and print the slip. And finish.

When the prepaid card system is used, use of the prepaid card system is designated in step S20 as shown in FIG. 10, whereby prepaid information (remaining amount of money) from the multifunction card is specified in step S22.
To read. Thereafter, in the prepaid process of step S24, the amount of money or the like is input, the input amount of money is subtracted from the amount of prepaid information, and the remaining amount is written as prepaid information into the multi-function card, and the processing is terminated.

[0006]

In the conventional POS terminal, when using a multi-function card, the operation must be performed in units of functions. Therefore, when using only one function, there is no problem, but when using multiple functions, for example, when paying with the prepaid card system and adding stamp points according to the payment amount with the point system , First, perform the operation using the prepaid card system to read the prepaid information from the multi-function card, perform the prepaid process, and after that process, use the point system operation to read the stamp point information from the multi-function card. It needs to be processed.

Even when a plurality of functions are continuously used as described above, since the operation is performed for each function and the multifunction card is read each time, the burden on the POS operator is large, the operation time is long, and the efficiency is low. was there.

The present invention has been made in view of the above points,
When using multiple functions in succession, you only have to read the multifunction card once, reducing the operator's burden.
An object of the present invention is to provide a multi-function card processing method that shortens the operation time and improves efficiency, and a terminal device using the same.

[0009]

According to a first aspect of the present invention, there is provided a multi-function card processing method in which card information used in each of a plurality of systems is recorded and the functions of the plurality of systems can be used. When all the card information is read in batch from and the system to be used is selected, the selected system is used by using the card information corresponding to the selected system in the batch read card information.

According to a second aspect of the present invention, a terminal device using any one of the plurality of systems by using a multi-function card in which card information used in the plurality of systems is recorded and the functions of the plurality of systems can be used. In the above, the card has a batch reading means for collectively reading all card information from the multifunction card and a card information storage means for storing all the read card information, and the card according to the selection of the system to be used. The card information of the selected system is retrieved from the information storage means and used.

[0011]

According to the invention described in claim 1, when all the card information is read collectively from the multi-function card and the system to be used is selected, it corresponds to the selected system in the card information read collectively. Since the system selected above is used by using the card information to be read, the reading operation of the multi-function card can be reduced to 1 when continuously using a plurality of functions.
It only needs to be done, the operator's burden can be reduced, and the operation time can be shortened.

According to the second aspect of the present invention, since the multi-function card has a batch reading means for reading all card information at once and a card information storing means for storing all the read card information, The processing method of claim 1 can be used.

[0013]

2 (A) and 2 (B) show a front view and a rear view of an embodiment of a multi-function card used in the method of the present invention. In the figure, the multi-function card 10 has one magnetic stripe 11 on the front surface 10a and three magnetic stripes 12, 13, 14 on the back surface 10b. Bank POS information 15 is recorded on the magnetic stripe 11. The magnetic stripe 12 is unused. Magnetic stripe 13
Credit information 16 is recorded in. Stamp point information 17 and prepaid information 18 are recorded on the magnetic stripe 14.

A bank code, a fulcrum code, a customer ID (account number), etc. are recorded as the bank POS information 15, and a credit company code, a credit member number, an expiration date, etc. are recorded as the credit information 16. There is. As stamp point information 17, member I
D, the stamp point value are recorded, and the member ID and the amount of the remaining balance that can be used are recorded as the prepaid information.

FIG. 3 shows a block diagram of an embodiment of a POS terminal to which the method of the present invention is applied. In the figure, CPU21 is P
Controls the entire OS terminal. The memory 22 is used for storing an execution program of the CPU 21, a work area, and the like. The disk device 23 stores programs, various master files, transaction data, and the like. These CPU 21,
The memory 22 and the disk device 23 are the input / output control circuit 2
4, communication control device 25, interface circuits 26, 27
Together, they are interconnected by an internal bus 28.

The input / output control circuit 24 includes a customer display 30, a keyboard 32 with a bar code reader 31,
Each of the CRT displays 33 is connected. The communication control device 25 uses a telephone line 35 to make a credit company 36
Alternatively, the bank 37 is connected to each computer system. Another POS terminal 40 is connected to the interface circuit 26, and a card reader / card is connected to the interface circuit 27.
The writer 41 is connected. If the POS terminal including the CPU 21 and the like is the master, the POS terminal 40
Acts as a slave.

FIG. 1 shows a flow chart of the multi-function card processing executed by the POS terminal. In the figure, in step S30, the bar code reader 31 or the like reads the product number, quantity, and amount of the product to be sold and totalizes and registers it.

Next, in step S32 corresponding to the batch reading means M1, from the magnetic stripes 11, 13, 14 of the multi-function card 10 mounted on the card reader / writer 41,
The bank POS information 15, credit information 16, stamp point information 17, and prepaid information 18 are all read. That is, in this step, all information of the multi-function card 10 is read and stored in the memory 22 corresponding to the card information storage means M2 at a stage where it is not decided which system to use.

Next, in step S34, a selection menu as shown in FIG. 4 is displayed on the CRT 33 to display a credit card processing selection icon 50, a prepaid card processing selection icon 51, a bank POS processing selection icon 52, and a point processing selection icon. 53, end selection icon 54
Wait for one of them to be selected.

When any one of the icons is selected, in steps S36, S38, S40, S42 and S44, it is selected whether credit card processing, prepaid card processing, bank POS processing or point processing is selected. , It is determined whether the processing is completed. Then, the credit card process is executed in step S46 according to the determination result, and the prepaid card process is executed in step S48.
Bank POS processing is executed in step S50, and point processing is executed in step S52. When the user selects "End", the processing of FIG. 1 is ended.

FIG. 5 shows a flowchart of credit card processing. In the figure, in step S60, the product and the amount to be credited are designated from the registered products and the amount (registered in step S30). Next step S6
In step 2, the credit information 36 (acquired in step S34) read from the memory 22 and the designated product and amount are transmitted to the credit company 36 to make an inquiry. Step S6
In step 4, the response from the credit company 36 is received, and in step S66, a slip is created according to this response, and in step S3.
Return to 4.

FIG. 6 shows a flowchart of the prepaid card processing. In the figure, in step S70, of the registered merchandise and the amount of money (registered in step S30), the amount of money to be paid by the prepaid card is designated. The amount of money designated in the next step S72 is subtracted from the amount of money in the prepaid information 18 read from the memory 22, and in step S74 the card reader / writer 41 rewrites the prepaid information 18 of the multi-function card 10 with the remaining money as new prepaid information. It returns to step S34.

FIG. 7 shows a flowchart of bank POS processing. In the figure, in step S80, the amount of money to be deducted from the bank account, out of the registered merchandise and the amount of money (registered in step S30), is designated. In the next step S82, the bank POS information 15 read from the memory 22 (acquired in step S34) and the designated amount of money are transmitted to the bank 37 to make an inquiry. In step S84, the response from the bank 37 is received, and in step S84
At 86, a slip is created according to this response, and the process returns to step S34.

FIG. 8 shows a flowchart of the point processing. In the figure, in step S90, it is designated whether the product or the amount of money registered in step S30 is the point target or the amount of money. In the next step S92, the number of stamp points is determined by referring to the point table stored in the disk device 23 as the point object. Then, in step S94, the number of stamp points determined in the previous step is added to the number of stamp points of the stamp point information 17 (obtained in step S34) read from the memory 22, and in step S96, the card reader / writer 41 is added as new stamp point information. Then, the stamp point information 17 of the multi-function card 10 is rewritten, and the process returns to step S34.

As described above, since the information of all the functions recorded in the magnetic stripes 11 to 14 of the multi-function card 10 is read in step S32, the reading of the multi-function card is performed when a plurality of functions are continuously used. You only have to do one operation,
The burden on the POS operator is reduced, the operation time is shortened, and the efficiency is improved.

In the above embodiment, a multi-function card having a plurality of magnetic stripes has been described as an example.
It may be a multi-function card having a memory and is not limited to the above embodiment.

[0027]

As described above, according to the invention described in claim 1, when all the card information is collectively read from the multi-function card and the system to be used is selected, the card information read collectively is displayed. Since the system selected above is used by using the card information corresponding to the selected system, the multi-function card can be read only once when using multiple functions consecutively, reducing the burden on the operator. Yes, operating time is reduced and efficiency is improved.

According to the second aspect of the present invention, there are provided a collective reading means for collectively reading all the card information from the multi-function card and a card information storing means for storing all the read card information. Therefore, the processing method according to claim 1 can be used.

[Brief description of drawings]

FIG. 1 is a flow chart of multi-function card processing of the present invention.

FIG. 2 is a diagram showing a multifunction card of the present invention.

FIG. 3 is a block diagram of a POS terminal of the present invention.

FIG. 4 is a diagram showing a menu of the present invention.

FIG. 5 is a diagram showing a credit card of the present invention.

FIG. 6 is a diagram showing a prepaid card of the present invention.

FIG. 7 is a diagram showing a bank POS of the present invention.

FIG. 8 is a diagram showing the points of the present invention.

FIG. 9 is a flowchart of conventional processing.

FIG. 10 is a flowchart of conventional processing.

[Explanation of symbols]

 10 Multi-function cards 11-14 Magnetic stripe 15 Bank POS information 16 Credit information 17 Stamp point information 18 Prepaid information 21 CPU 22 Memory 23 Disk device 31 Bar code reader 36 Credit company 37 Bank 40 POS terminal 41 Card reader / writer

Claims (2)

[Claims] 1. A multi-function card processing method in which card information used in each of a plurality of systems is recorded and the functions of the plurality of systems can be used, in which all card information is collectively read from the multi-function card and used. A multi-function card processing method, characterized in that, when a system is selected, the selected system is used by using the card information corresponding to the selected system in the collectively read card information. 2. A terminal device using any one of the plurality of systems by using a multi-function card in which card information used in the plurality of systems is recorded and the functions of the plurality of systems can be used. It has a batch reading means (M1) for collectively reading all card information and a card information storage means (M2) for storing all the read card information, and the card information according to the selection of the system to be used. A terminal device, wherein card information of a selected system is taken out from a storage means and used.