JPH0785228A - Prepaid card processor and prepaid card vending machine - Google Patents

Abstract

PURPOSE:To obtain a prepaid card processor and a prepaid card vending machine capable of continuously providing service even if the balance of a prepaid card disappears by automatically lending the shortage to its user. CONSTITUTION:A user 101 arriving at a destination inserts a prepaid card 12 to a prepaid card processor 14b in an automatic ticket examination machine 13b. The processor 14b reads out departure station information recorded in the card 12 and determines an amount to be used from the read information. When a balance recorded in the card is less than the amount to be used, the shortage is recorded as a minus balance and automatically lent. A prepaid card vending machine 11 receives a deposit from a user 101 at the time of purchasing the initial prepaid card 12. At the time of purchasing the 2nd card or after, an amount obtained by subtracting the balance of an old prepaid card 12z from the amount of a prepaid card 12 to be newly vended is received from inserted cash.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card processing machine and a prepaid card vending machine, and particularly to a prepaid card processing machine and a prepaid card processing machine which are suitable for a user to use repeatedly. -For vending machines.

[0002]

2. Description of the Related Art In the use of a conventional prepaid card, when the prepaid card is inserted into a prepaid card processing machine and the remaining amount of the prepaid card runs out, the service provision is stopped, If the remaining amount of the prepaid card is less than the billed amount, the payment cannot be settled and the shortfall is settled in cash, or a new prepaid card is inserted into the prepaid card processor and the shortfall is replaced by a new prepaid card. It was settled by de. The prepaid card vending machine sells the above prepaid card.

[0003]

DISCLOSURE OF THE INVENTION Conventional prepaid card
When using a payment processor and a prepaid card vending machine, as described above, when the remaining amount of the prepaid card runs out, the service provision is stopped and the remaining amount of the prepaid card is less than the billed amount. Requires special processing for settlement, and it has been a few problems for the prepaid card system, which is advantageous in that it provides convenience for use. For example, if the remaining amount of the prepaid card runs out while using a payphone in the prepaid card, the call cannot be made thereafter. In the so-called stored-fare method, which is typified by the railway industry, in which the amount of money to be used is determined according to the usage situation and deducted from the remaining amount of the prepaid card, and the payment is made, the user of the prepaid card arrives at the time of payment. For the first time, it is often necessary to know the remaining amount of the prepaid card and the amount used, and when you get off the car and try to pay by inserting the prepaid card into the prepaid card processor at the automatic ticket gate, you will run out of balance and the ticket gate. Unable to pass through the mouth,
When crowded, the flow of people at the ticket gate was sometimes confused. An object of the present invention is to provide a prepaid card processing machine and a prepaid card which enable continuous service provision when it is desired to continue providing the service even when the remaining amount of the prepaid card runs out. To provide a vending machine.

[0004]

In order to achieve the above object, the present invention mainly includes a display unit, a memory, and
In a prepaid card processor having a control unit, the control unit determines a charge, obtains a second balance based on the first balance and the charge read from the prepaid card, and determines the second balance. Is greater than or equal to a predetermined amount, the writing of the second remaining amount to the pre-paid card is controlled, and when the second remaining amount is less than the predetermined amount, the second remaining amount is displayed on the display unit. When the credit card or friend's association card membership number is read from the prepaid card, it is displayed that the amount is less than the amount and the second balance, which is the membership number and the minus, is written and controlled as a loan in the memory. After that, it controls the writing of the second balance to the prepaid card, and controls the writing of the second balance to the prepaid card when the member number is not read. That. Further, in a prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, the control unit is a cash deposit / withdrawal mechanism. When the prepaid card face value plus a predetermined deposit amount is stored, the face value and deposit amount are recorded on the prepaid card to be paid out, and the recorded prepaid card is controlled to be paid out by the prepaid card dispenser. I am trying to do it. Also, in a prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, an old prepaid card is inserted into the prepaid card reader. When the balance of the prepaid card and the deposit are read, the control unit adds the deposit amount to the face value of the prepaid card if the use right of the deposit of the old prepaid card has already been deleted. The amount of money or deposit amount to be paid in accordance with the storage of the amount of money or the amount of face value of the prepaid card into the cash deposit / withdrawal mechanism, and the amount and deposit amount obtained by subtracting the deposit amount from the face value and the deposit amount,
The recorded prepaid card is controlled to be paid out by the prepaid card dispensing machine, and if the usage right of the deposit of the old prepaid card is not erased, the amount of the prepaid card less the remaining amount from the face value The prepaid card to be paid out according to the storage in the cash deposit / withdrawal mechanism is recorded with the amount of money deducted from the face value and the deposit amount, and the recorded prepaid card is paid out by the prepaid card dispenser and the old prepaid card Controls to delete the right to use the deposit money. Further, in a prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, a credit card or a friend's card is placed in the card reader. When the card is inserted and the card is read, the control unit pays out the face value of the face value of the prepaid card in the cash deposit / withdrawal mechanism, and the face value and the membership number of the credit card or friend's association card. Is recorded, and the recorded prepaid card is controlled to be paid out by the prepaid card payout machine. Further, in a prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, the prepaid card reader has a credit card or a friend's card. When an old prepaid card on which the membership number of is recorded is inserted and the balance of the prepaid card is read, the control unit transfers the amount of money obtained by subtracting the balance from the face value of the prepaid card to the cash deposit / withdrawal mechanism. The face value and the membership number of the credit card or friend's association card are recorded on the prepaid card that is paid out in accordance with the storage, and the recorded prepaid card is controlled to be paid out by the prepaid card payout machine. Also,
In a prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, a credit card or a friend's card is inserted into the card reader. When the card is read, the control unit records the face value and the membership number of the credit card or friend's association card on the prepaid card to be paid out, and pays out the recorded prepaid card by the prepaid card payout machine. The payment of the par value is controlled to be credited. Further, in a prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, the prepaid card reader has a credit card or a friend's card. When an old prepaid card with the membership number recorded therein is inserted and the balance of the prepaid card is read, the control unit records the face value and the membership number of the credit card or friend's association card on the prepaid card to be paid out. Then, the recorded prepaid card is dispensed by the prepaid card dispenser, and the settlement of the amount obtained by subtracting the balance from the face amount is controlled to be credited.

[0005]

According to the present invention, if the user wants to continue to receive the service even if the remaining amount of the prepaid card is used up, the subsequent usage amount is automatically loaned to the user and the service is continued. You can receive the service.
Even if the remaining amount of the prepaid card is less than the billed amount, the insufficient amount will be automatically loaned to the user, so the shortfall will be settled in cash, or a new prepaid card will be charged. It does not require special processing such as inserting it into the processing machine to settle the shortfall with a new prepaid card, and the same operation as for normal settlement is sufficient, so the prepaid card at the automatic ticket gate of the stored-fare system. -Even when the remaining amount of money is less than the amount used, you can still pass through the ticket gate as usual, so there is no disruption of the flow of people during congestion. Also, since the loan amount is recorded in the prepaid card, by inserting the prepaid card in which the loan amount is recorded into the prepaid card vending machine when purchasing a new prepaid card. The loan amount can be read and automatically repaid when the purchase price of a new prepaid card is paid, no special operation for repayment is required, the balance of the balance is maintained without impairing the convenience of the user. It is possible to settle when there is no more or when there is a shortage. Further, according to the present invention, deposits can be stored in advance or loans can be recorded and settled separately, so that the loans can be reliably collected.

[0006]

FIG. 1 shows an outline of an embodiment of the present invention used in the railway industry. User 101 of the settlement system of the present invention
First, the prepaid card vending machine 11 purchases the prepaid card 12. The user 101 inserts the prepaid card 12 into the prepaid card processor 14a of the automatic ticket gate 13a at the time of boarding. At this time, the prepaid card processor 14a reads the remaining amount recorded in the prepaid card 12 and permits the user 101 to pass through the automatic ticket gate 13a if the remaining amount is larger than a predetermined first amount. Then, the user 101 moves to the destination by using the railway. When the remaining amount is less than a predetermined first amount and greater than a second amount described later, the indicator 1 of the automatic ticket gate 13a
5a indicates that the remaining amount is low and informs the user 101 that the remaining amount is low. At the same time, the boarding station information is written in the prepaid card 12, and the automatic ticket gate 13a of the user 101 is displayed.
Is permitted and the user 101 moves to the destination using the railway. The prepaid card processor 14a reads the remaining amount recorded in the prepaid card 12, and when the remaining amount is less than a predetermined second amount, the automatic ticket gate 1
The gate 16a of 3a is closed and the use of the user 101 is stopped. The first amount and the second amount may be the same.

The user 101 who has arrived at the destination inserts the prepaid card 12 into the prepaid card processor 14b of the automatic ticket gate 13b. At this time, the prepaid card processor 14b reads the boarding station information recorded in the prepaid card 12, determines the usage amount from this, and at the same time reads the remaining amount recorded in the prepaid card 12 to determine the remaining amount. Rewrite the balance to the amount obtained by subtracting the usage amount from. After this, when the rewritten balance is less than the predetermined third amount, the indicator 1 of the automatic ticket gate 13b
5b indicates that the remaining amount is small and informs the user 101 that the remaining amount is small. In this process, if the remaining amount recorded in the prepaid card 12 is less than the used amount, the shortage is recorded as a negative remaining amount and processed, and the loan is automatically made. Normally, the third amount is set to zero, and when the loan is made, the display 101b of the automatic ticket gate 13b is displayed to inform the user 101 that the loan has been made.

The prepaid card vending machine 11 sells the prepaid card 12 as follows. At the time of the first purchase, the user 101 inserts the cash 51 into the cash deposit / withdrawal port 54 of the prepaid card vending machine 11 and operates the operation unit 52 to specify the type of prepaid card desired to be purchased. The prepaid card vending machine 11 pays out the prepaid card 12 desired by the user 101 from the prepaid card payout exit 55, and at the same time, in addition to the selling price of the prepaid card 12, a certain fixed price. The amount added with the deposit amount of four is stored from the inserted cash, and when there is more inserted cash 51 than this amount, the change 53 is returned from the cash deposit / withdrawal port 54 to the user 101. At this time, instead of storing the amount added to the deposit amount, the same amount as the face value of the prepaid card 12 is stored, and the amount obtained by subtracting the deposit amount from the face value of the prepaid card 12 is recorded in the data column. Is also good. In this way, the deposit money is deposited from the user 101 at the time of the first purchase, and is used as collateral for the above-mentioned automatic loan.

At the time of the second and subsequent purchases, the old prepaid card vending machine 12z is used in the process of purchase to purchase the prepaid card vending machine 1
When there is a remaining amount by inserting it into the prepaid card insertion slot 56 of No. 1, even if the remaining amount is a positive value or a negative value, the remaining amount is paid from the face value of the prepaid card 12 to be newly sold. The deducted amount is stored from the inserted cash or the face value is stored from the cash and the face value of the prepaid card 12 to be newly sold in the data column of the prepaid card 12 to be newly sold. Record the amount including the balance. When the prepaid card 12 is inserted into the prepaid card insertion slot 56 of the prepaid card vending machine 11 and the return operation is performed from the operation section 52, the deposit is paid from the cash deposit / withdrawal port 54. It is returned to the user 101. At this time, the interest rate may be added according to the period from when the deposit is paid to when the return operation is performed.
When the new prepaid card 12 is sold or returned, the old prepaid card 12 is used.
By recording the record that the deposit has been transferred to z, the usage right of the deposit is transferred to the new prepaid card, and the usage right of the deposit of the old prepaid card 12z is deleted. If the old prepaid card 12z inserted in the process of purchase has a record that the deposit has been transferred (erasure of the right to use the deposit), it will be treated as if there was no deposit and it will be treated the same as the first purchase. At the time of the first purchase, the user 101 sends a credit card or friend's card to the card of the prepaid card vending machine 11.
When the card is inserted into the card insertion slot 57, no deposit is collected at the time of the first purchase, and the card number of the credit card or friend's party card is recorded in the data column of the prepaid card 12. The purchase amount may be stored in cash as in the above example, or may be stored in a credit settlement means.

In the case of the user 101 who uses the prepaid card 12 in which the card number of the credit card or friend's party card is recorded, the following processing is performed. User 1
When 01 arrives at the destination, the prepaid card 12 is inserted into the prepaid card processor 14b of the automatic ticket gate 13b, and the prepaid card processor 14b rides on the prepaid card 12 The station information is read, the amount of usage is determined from this, and at the same time, the remaining amount recorded in the prepaid card 12 is read. In this process, if the remaining amount recorded in the prepaid card 12 is less than the used amount, the deficit is recorded as a negative remaining amount and processed, and at the same time, the prepaid card is automatically loaned. The loan amount and the card are stored in the memory of the processor 14b.
Record the phone number. The loan records recorded in the memory of the prepaid card processor 14b are accumulated in a separate management computer, and when the loan amount per card number exceeds a certain fifth amount, the credit is credited. Settle the loan using the settlement method described in.

FIG. 2 shows a prepaid card vending machine 1 of the present invention.
1 shows a configuration block diagram of No. 1. The control unit 71 controls the entire prepaid card vending machine 11. Cash deposit / withdrawal mechanism 74
Will store the purchase price, release the change, and return the deposit.
The operation unit 72 is used for selecting a desired transaction of the user 101 and selecting a desired card. In the case of the embodiment, the operation unit 72 includes a display device. Prepaid card payout machine 7
In step 5, the data is recorded in the prepaid card 12 and the prepaid card 12 is paid out. The prepaid card reader 76 is a prepaid card 1 of the user 101.
The reading and writing of the data column 2 are performed. The card reader 77 reads the data column of the credit card of the user 101 or the friend's party card.

FIG. 3 is a block diagram showing the configuration of the automatic ticket gate 13 of the present invention. The prepaid card processor 14 reads and rewrites the remaining amount recorded in the prepaid card 12, writes and reads boarding station information, and a card.
Read the code number. The display device 15 is used by the user 101.
Indicate that the balance is low by displaying on the screen that the balance is low. The gate 16 controls the passage of the user according to an instruction from the control unit 81. The control unit 81 controls the entire automatic ticket gate 13, and when a loan is made to a prepaid card having a card number, the control unit 81 records the card number and the loan amount memory 82, Data is exchanged with the management computer via the communication means 83 as appropriate.

4 and 5 show the processing flow of the prepaid card vending machine 11 of the present invention. In n001, it is determined whether or not there is a user access, and if there is no access, ST
Return to ART, and if there is, proceed to n002. In n002,
The presence / absence of operation of the operation unit is determined. If yes, the process proceeds to n015 (described later), and if not, the process proceeds to n003. At n003, it is determined whether or not the plica is inserted, and if yes, A, that is, n027.
Then, in n027, the old plica flag CF is set to 1, and if not, the process proceeds to n004. At n004, it is determined whether or not the member card is inserted. If yes, the process proceeds to n019 (described later), and if not, the process proceeds to n005. In n005, it is determined whether or not cash has been inserted, and if there is no cash, the process returns to START, and if there is, the process proceeds to n006. In n006, the cash flag GF is set to 1, and the process proceeds to n007. In n007, the user is asked to insert the old Plica or press the none button.
Proceed to 008. At n008, it is determined whether or not the old plica is inserted, and if not, the process proceeds to n012 (described later). In n010, the deposit transfer information is read, and n01
Go to 1. In n011, it is determined whether or not the deposit has been moved. If the deposit has been moved, the process proceeds to n012, and if not, the process proceeds to n013. In n013, the deposit flag YF is set to 1, and the process proceeds to D, that is, n028 (FIG. 5).

At n012, the value of the member card flag KF is checked. If KF = 1, the process proceeds to n013,
If KF = 0, proceed to n014. In n014, the deposit flag YF is reset to 0, and the process proceeds to D, that is, n028 (FIG. 5).

At n015, it is determined whether or not the desired plica has been designated. If it has not been designated, the process returns to n015, and if it has been designated, the process proceeds to n016. In n016, the desired ticket type flag XF is set to 1, and the process proceeds to n017. In n017,
Prompt the user to insert the membership card, and proceed to n018. n
In 018, it is determined whether or not the member card is inserted. If there is no member card, the process proceeds to B, that is, to n007 described above, and if there is, to n019. In n019, in response to the determination results of n004 and n018, the member card flag KF is set to 1 and n0 is set.
Go to 20. At n020, upon receiving the processing results at n019 and n027, the user is prompted to input whether he / she wants to pay cash or credit, and then proceeds to n021. n021
Then, it is determined whether cash is selected or credit is selected. If cash, the process proceeds to n006, and if credit, the process proceeds to n022. In n022, the cash flag GF is reset to 0, and the process proceeds to n023. At n023, it is determined whether or not the member card flag KF is set,
If it is set, the process proceeds to n007, and if it is reset, the process proceeds to n024. In n024, the user is prompted to insert the membership card, and the process proceeds to n025. In n025, it is determined whether or not the member card is inserted. If it is not inserted, the process returns to n025, and if it is inserted, n0
Proceed to 26. In n026, the membership card flag KF is set to 1
, And proceed to n007 described above. Next, proceeding to FIG. 5, in n028, it is determined whether or not the desired ticket type flag XF is set, and if it is reset, the process proceeds to n029, and if it is set, the process proceeds to n031. In n029, the user is prompted to specify the desired plica, and the process proceeds to n030. At n030, it is determined whether or not the plica has been designated. If not designated, the process returns to n029, and if designated, n0
Proceed to 31. At n031, the value of the old plica flag CF is checked. If CF = 1, the process proceeds to n032, and if CF = 0, the process proceeds to n033. At n032, the balance is read and the process proceeds to n033. In n033, the deposit flag Y
Check F, if YF = 1, proceed to n034, YF =
If 0, proceed to n035. In n034, the balance is subtracted from the face value of the card to calculate the charge, and the process proceeds to n036.
In n035, the balance is deducted from the face value of the card, the deposit is added to this, the charge is calculated, and the process proceeds to n036. n
At 036, the cash flag GF is checked. If GF = 1, the process proceeds to n037, and if GF = 0, the process proceeds to n046. n0
At 37, the charge and the amount of cash input are displayed and the process proceeds to n038. At n038, the charge is compared with the input amount, and if the input amount is larger than the fee, the process proceeds to n040, and if the input amount is smaller than the fee, the process proceeds to n039. At n039, a message prompting the user to deposit cash is displayed, and the process returns to n037. n
At 040, check the membership card flag KF
If = 0, proceed to n041, and if KF = 1, proceed to n042. In n046, credit card payment processing is performed and n
Proceed to 042. Next, in n042, payout of the plica is performed, in n043, the old plica is returned, in n044, the membership card is returned, and in n045, the change is returned, and the process ends. In this flow chart, the method of storing the loan by adding it to the purchase amount was shown, but the remaining amount in the data column of the new prepaid card is rewritten to the amount less the loan amount from the face value. May be stored.

FIG. 6 shows an operation flow when the automatic ticket gate 13 of the present invention is alighted. The operation flow when getting on may be the same as the conventional one. When getting off, the user 101 inserts the prepaid card 12 used by the user 101 into the prepaid card processor 14 of the automatic ticket gate 13. The prepaid card processor 14 fetches the prepaid card at n101, n102, n
At 103 and n104, the boarding station information, the remaining amount, and the member number are read. Next, at n105, determine the fare from the boarding station information,
At n106, the above-mentioned charges are subtracted from the balance read from the prepaid card 12 to calculate the balance after use.
The balance is determined in n108, and if there is a balance, n1
In n107, the balance is rewritten to the remaining amount after use.
When the balance is determined in n108 and the balance is negative, the process proceeds to n109. At n109, if the negative balance is larger than the negative value A of the predetermined regulation amount, proceed to n110, and if it is smaller than A, n1.
Proceed to 13. In n110, the balance display 15 displays that the balance is running low and informs the user 101.
Proceed to 111. In n111, it is checked whether or not the member number is recorded on the prepaid card. If the member number is not recorded, the process proceeds to n107, and if the member number is recorded, the member number and the loan amount are recorded and the process proceeds to n107. . In this case, the prepaid card 12 will record the negative balance, and the deficiency will be automatically lent. As a result, even when the remaining amount of the prepaid card 12 of the user 101 is insufficient, the user can pass through the ticket gate and do not confuse the flow of people during congestion. This loan can be collected at the time of the next new prepaid card purchase as described in FIG. Also,
When there is no next new prepaid card purchase, it is guaranteed by deposit. In n113, the balance display indicates that the balance is less than the negative value of the specified amount,
Proceed to n114 and close the gate at n114 to prevent the loan amount from becoming too large. The value of A may be the same as the deposit, or the deposit may be selected by the purchaser within a certain range. In the above flow chart,
It is also possible to omit n109, n113, and n114 and proceed from n108 to n110.

Although the above-described embodiments have shown the embodiments of the present invention in the railway industry, the present invention is not limited to the above-mentioned embodiments and can be similarly applied to a public telephone, for example. In the case of payphones, the amount of money used is gradually reduced from the prepaid card. However, when the remaining amount of money was lost in the conventional prepaid card system, the telephone call could not be made there.
On the other hand, in the prepaid card system of the present invention, it is possible to make a call even after the remaining amount is exhausted, the call charge during this period is recorded as a loan amount in the data column of the prepaid card, and the others are Processed as in one embodiment.
Besides, the present invention can be applied to all places where there is a relation between the provision of services and the collection of fees.

[0018]

As described above, according to the present invention, when it is desired to continue to provide the service as it is even if the prepaid card is out of balance, the service is continuously provided. Can be received. Even if the remaining amount of the prepaid card becomes less than the billed amount, the shortage is credited to the user, and the amount of the loan is recorded on the prepaid card so that the shortfall can be settled in cash. A new prepaid card can be inserted into the prepaid card processing machine to settle the shortfall with the new prepaid card, and payment can be performed in the same way as normal payment. Therefore, the convenience of the prepaid card can be improved. In addition, the loan amount is recorded in the prepaid card, and it can be automatically repaid when paying for the purchase price of a new prepaid card. Therefore, the convenience of the user is not impaired at all. The present invention also includes means for storing deposits in advance or recording loans and making separate payments, so that loans can be reliably collected.

[Brief description of drawings]

FIG. 1 is a diagram showing an outline of an embodiment used in a railway industry to which the present invention is applied.

FIG. 2 is a block diagram showing a configuration of a prepaid card vending machine to which the present invention is applied.

FIG. 3 is a block diagram showing a configuration of an automatic ticket gate in the railway industry to which the present invention is applied.

FIG. 4 is a diagram showing a flow chart of processing in a prepaid card vending machine to which the present invention is applied.

FIG. 5 is a view showing a continuation of the flow chart of FIG.

FIG. 6 is a prepaid card of an automatic ticket gate to which the present invention is applied.
It is a figure which shows the flowchart of the process in an edge processing machine.

[Explanation of symbols]

101 System user 11 Prepaid card vending machine 12 Prepaid card 13a, 13b Automatic ticket gate 14a, 14b Prepaid card processor 15a, 15b Display 16a, 16b Gate for automatic ticket gate 51 Cash 52 Prepaid card vending machine operation part 53 Change 54 Prepaid card vending machine cash deposit / withdrawal port 55 Prepaid card vending machine prepaid card payout outlet 56 Prepaid card vending machine prepaid card insertion 57 Card insertion port of prepaid card vending machine 71 Control part of prepaid card vending machine 72 Operation part of prepaid card vending machine 74 Cash deposit / withdrawal mechanism of prepaid card vending machine 75 Prepaid card Prepaid card payout machine for vending machine 76 Prepaid card Prepaid card reader for vending machine 77 Prepaid card Mosquito de vending machine - de reader 81 prepaid force - control unit 82 prepaid mosquito de processor - mosquito de disposer - de number and lending amount memory 83 prepaid Ca - de processor communication means

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G07B 15/00 G G07F 7/08

Claims (15)

[Claims] 1. A prepaid card processor including a display, a memory, and a controller, wherein the controller determines a charge, and based on the first balance and the charge read from the prepaid card. Means for determining a second balance, and when the second balance is equal to or more than a predetermined amount, the writing of the second balance to the prepaid card is controlled so that the second balance is less than the predetermined amount. In this case, the display indicates that the second remaining amount is less than the predetermined amount, and when the membership number of the credit card or friend's association card is read from the prepaid card, the membership number and the minus number are stored in the memory. After controlling the writing of the second remaining amount as a loan, controlling the writing of the second remaining amount to the prepaid card, and if the membership number is not read, go to the prepaid card. De processor - Puripedoka, characterized in that it comprises means for controlling the writing of the second balance. 2. A prepaid card processor including a display, a memory, and a controller, wherein the controller determines a charge, and based on the first balance and the charge read from the prepaid card. A means for obtaining a second balance, and when the second balance is equal to or larger than a predetermined first amount, the writing of the second balance to the prepaid card is controlled so that the second balance is equal to the predetermined amount. When the amount is less than the first amount, the second amount
If the remaining amount of is equal to or more than the predetermined second amount, the second
Indicates that the remaining amount is less than the predetermined first amount, and if the membership number of the credit card or friend's association card is read from the prepaid card, the second remaining amount that is negative with the membership number in the memory. After controlling the writing as a loan, controlling the writing of the second balance to the prepaid card, and controlling the writing of the second balance to the prepaid card when the membership number is not read, If the second remaining amount is less than the predetermined second amount, the display indicates that the second remaining amount is less than the predetermined second amount, and the use of the prepaid card is controlled to stop. A pre-paid card processing machine comprising means. 3. A cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader,
In a prepaid card vending machine including an operation unit and a control unit, the control unit stores the prepaid card to be paid out when the cash deposit / withdrawal mechanism stores a sum of a prepaid card face value and a predetermined deposit amount. A prepaid card vending machine, comprising means for recording a face value and a deposit amount and controlling the recorded prepaid card to be paid out by the prepaid card dispensing machine. 4. A cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader,
In a prepaid card vending machine including an operation unit and a control unit, the control unit deducts a predetermined deposit amount from the face value when the prepaid card face value is stored in the cash deposit / withdrawal mechanism. A prepaid card vending machine, comprising means for recording the amount of money and the amount of deposit, and controlling the recorded prepaid card to be paid out by the prepaid card dispensing machine. 5. A cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader,
In a prepaid card vending machine including an operation unit and a control unit, when an old prepaid card is inserted into the prepaid card reader and the balance and deposit of the prepaid card are read, the control unit controls the old prepaid card. If the usage right of the deposit has already been erased, the amount of the prepaid card face value plus the deposit amount or the face value of the prepaid card paid out in accordance with the storage of the prepaid card face value in the cash deposit / withdrawal mechanism. The amount and the deposit amount or the face amount minus the deposit amount and the deposit amount are recorded, and the recorded prepaid card is controlled to be paid out by the prepaid card dispensing machine, and the right to use the deposit of the old prepaid card is controlled. If not erased, the remaining amount will be calculated from the face value of the prepaid card. The amount obtained by subtracting the remaining amount from the face amount and the deposit amount are recorded on the prepaid card that is paid out in accordance with the storage of the amount deducted in the cash deposit / withdrawal mechanism, and the recorded prepaid card is recorded by the prepaid card dispenser. A prepaid card vending machine comprising means for controlling so as to pay out and delete the right to use the deposit of the old prepaid card. 6. A cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader,
In a prepaid card vending machine including an operation unit and a control unit, when an old prepaid card is inserted into the prepaid card reader and the balance and deposit of the prepaid card are read, the control unit controls the old prepaid card. If the usage right of the deposit has already been erased, the amount of the prepaid card face value plus the deposit amount or the face value of the prepaid card paid out in accordance with the storage of the prepaid card face value in the cash deposit / withdrawal mechanism. The amount and the deposit amount or the face amount minus the deposit amount and the deposit amount are recorded, and the recorded prepaid card is controlled to be paid out by the prepaid card dispensing machine, and the right to use the deposit of the old prepaid card is controlled. If not, the prepaid card's face value is added to the cash amount. The prepaid card to be paid out in accordance with the storage in the dispensing mechanism is recorded with the amount of the face value plus the remaining amount and the deposit amount, and the recorded prepaid card is paid out by the prepaid card dispensing machine and the old prepaid card A prepaid card vending machine, which is provided with a means for controlling the use right of the deposit to be deleted. 7. A cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader,
In a prepaid card vending machine including an operation unit and a control unit, when a credit card or a friend's card is inserted into the card reader and the card is read,
The control unit records the face value and the membership number of the credit card or friend's association card on the prepaid card paid out according to the storage of the face value of the prepaid card in the cash deposit / withdrawal mechanism, and the recorded prepaid card A prepaid card vending machine, comprising means for controlling the prepaid card dispensing machine so that the prepaid card dispensing machine dispenses. 8. A cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader,
In a prepaid card vending machine equipped with an operation unit and a control unit, when an old prepaid card on which a membership number of a credit card or a friend's card is recorded is inserted into the prepaid card reader and the balance of the prepaid card is read. , The control unit records the face value and the member number of the credit card or friend's association card on the prepaid card paid out in accordance with the storage of the amount obtained by subtracting the remaining amount from the face value of the prepaid card in the cash deposit / withdrawal mechanism, A prepaid card vending machine, comprising means for controlling the prepaid card dispenser to dispense the recorded prepaid card. 9. A cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader,
In a prepaid card vending machine equipped with an operation unit and a control unit, when an old prepaid card on which a membership number of a credit card or a friend's card is recorded is inserted into the prepaid card reader and the balance of the prepaid card is read. , The controller records the amount of the prepaid card to be paid according to the storage of the face value of the prepaid card in the cash deposit / withdrawal mechanism, the sum of the face amount and the remaining amount, and the membership number of the credit card or friend's association card, A prepaid card vending machine, comprising means for controlling the prepaid card dispenser to dispense the recorded prepaid card. 10. A prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, wherein the card reader is a credit card or When a friend card is inserted and the card is read,
The control unit records the face value and the membership number of the credit card or friend's association card on the prepaid card to be paid out, pays out the recorded prepaid card by the prepaid card dispenser, and makes a credit settlement for the face value settlement. A prepaid card vending machine, characterized in that it is provided with means for controlling. 11. A prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispensing machine, a prepaid card reader, a card reader, an operation unit, and a control unit, wherein the prepaid card reader is a credit card. Alternatively, when an old prepaid card on which the membership number of the friend's card is recorded is inserted and the remaining amount of the prepaid card is read, the control unit causes the prepaid card to be paid out and the face value and the member of the credit card or the friend's card. The number is recorded, and the recorded prepaid card is dispensed by the prepaid card dispenser,
A prepaid card vending machine, comprising means for controlling to settle a settlement of an amount obtained by subtracting the balance from the face amount. 12. A prepaid card vending machine comprising a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operating section and a control section, wherein the prepaid card reader is a credit card. Alternatively, when an old prepaid card in which the membership number of a friend's party card is recorded is inserted and the remaining amount of the prepaid card is read, the control unit controls the amount of the prepaid card to be paid out to the face amount and the remaining amount and A prepaid card sale, characterized by comprising means for recording a membership number of a credit card or friend's association card, paying out the recorded prepaid card by the prepaid card dispenser, and controlling the face value settlement to be credited. Machine. 13. A prepaid card vending machine comprising a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit and a control unit, wherein the card reader is a credit card or When a friend card is inserted and the card is read,
When the user selects cash settlement by the operation unit, the control unit pays out the face value and the credit card or friend card of the prepaid card according to the storage of the face amount of the prepaid card in the cash deposit / withdrawal mechanism. Of the prepaid card is recorded by controlling the prepaid card payout machine, and when the user selects the credit payment by the operation unit, the face value and the prepaid card to be paid out. A prepaid card sale, characterized by comprising means for recording a membership number of a credit card or friend's association card, paying out the recorded prepaid card by the prepaid card dispenser, and controlling the face value settlement to be credited. Machine. 14. A prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, wherein the prepaid card reader is a credit card. Alternatively, when an old prepaid card on which the membership number of a friend's card is recorded is inserted and the remaining amount of the prepaid card is read, the control unit controls the prepaid card if the user selects cash settlement by the operation unit. Record the face value and the membership number of the credit card or friend's association card on the prepaid card that is paid out in accordance with the storage of the amount deducting the remaining amount from the face value of the card in the cash deposit / withdrawal mechanism, and store the recorded prepaid card. It is controlled to be paid out by the prepaid card dispensing machine, and the operation unit If the user selects credit payment, the face value and the membership number of the credit card or friend's association card are recorded on the prepaid card to be paid out, and the recorded prepaid card is paid out by the prepaid card dispenser, and the face value is calculated. A prepaid card vending machine, which is provided with a means for controlling the settlement of the amount of money obtained by subtracting the remaining amount from the amount of money to be credited. 15. A prepaid card vending machine including a cash deposit / withdrawal mechanism, a prepaid card dispenser, a prepaid card reader, a card reader, an operation unit, and a control unit, wherein the prepaid card reader is a credit card. Alternatively, when an old prepaid card on which the membership number of a friend's card is recorded is inserted and the remaining amount of the prepaid card is read, the control unit controls the prepaid card if the user selects cash settlement by the operation unit. The prepaid card paid out according to the storage of the face value of the card in the cash deposit / withdrawal mechanism is recorded with the amount of the face value plus the remaining amount and the membership number of the credit card or friend's card, and the recorded prepaid card is recorded. Control to pay out by the prepaid card dispensing machine, and by the operation unit If the user selects credit payment, the prepaid card to be paid out is recorded with the face value plus the above balance and the membership number of the credit card or friend's card, and the recorded prepaid card is paid out to the prepaid card. A prepaid card vending machine, which is provided with a means for controlling the payout by a machine so that the face value is settled by credit card.