JPH0830846A - Charge adjustment device - Google Patents

Abstract

PURPOSE:To provide a charge processing device which has excellent characteristics not to require an operator in the adjustment processing by resolving the problem that cash or another card is required to make up for a deficiency at the time of payment with a prepaid card whose balance is a small amount. CONSTITUTION:A charge processing means 105 calculates the total amount of paid money inputted by a unit price input means 103; and if it is smaller than the balance of a card 101, the balance is calculated as a minus amount of money. The calculated balance is recorded in a card storage area 102 and an adjustment device storage area 109 by a card input/output means 104 and a card information storage means 107 respectively. The balance of each card is confirmed by a balance retrieval means 108 without the card.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fee processing device for a user to pay by using a prepaid card.

[0002]

2. Description of the Related Art As a conventional charge processing device, a device using a prepaid card and a credit card has been generalized, as disclosed in, for example, Japanese Patent Laid-Open No. 03-237588. In the prepaid card, the payment of the fee is subtracted from the balance stored in the card and stored as a new balance.

A conventional charge processing device will be described below. FIG. 8 is a block diagram showing the configuration of a conventional fee processing device. In FIG. 8, 801 is a card with a built-in storage medium, 802 is a storage area of the card 801, 803 is a charge input means for inputting the amount of money to be paid by the user and cash to be added to the card, and 804 is a card for inputting and outputting to the card. Input / output means, 805 is charge processing means for calculating charges, 80
6 is a display unit for displaying the processing result of the fee processing unit 805, 807 is a card information storage unit for recording the processing result of the fee processing unit 805 in the settlement device storage area 808, 808
Is a storage area of the charge settlement device.

The operation of the charge processing device configured as described above will be described below. Charge processing means 8
05 reads the payment amount input from the fee input means 803, and the card 80 through the card input / output means 804.
It is checked whether or not 1 has a sufficient amount of money to be paid, and if it is not enough, it is checked whether or not it can be supplemented by the cash input from the fee input means 803, and if it is supplemented, a change is calculated. If the user does not want the change in cash, the amount corresponding to the change is recorded in the card storage area 802 via the card input / output unit 804. If the card 801 does not have enough money to pay, or cannot be supplemented with the cash input from the fee input means 803, the operator will charge the user for the shortfall of cash. If the card 801 does not have enough money to pay and the user does not have cash to make up for it, the display means 806 displays the card as unusable or the amount of shortage, and ends without performing payment processing. .

[0005]

However, in the above-mentioned charge processing system, when payment exceeding the balance of the prepaid card occurs, the user must have cash to make up for the shortfall. In this case, the charge processing terminal requires an operator in order to process the cash, and there is a problem that labor costs are required.

[0006]

In order to solve the above-mentioned problems, the present invention firstly provides a card having an internal storage area,
A unit price input means for paying charges using the card, a charge processing means for calculating the balance as a negative amount when payment exceeding the balance of the card occurs, and a storage area of the card with the charge processing result as a new balance. The card input / output means for recording the fee processing result, the card information storage means for recording the fee processing result in the settlement device storage area, the display means for displaying the fee processing result, and the fee processing result recorded in the settlement device storage area. It has a structure of a balance search means.

Secondly, there is provided a lower limit determination means for determining whether or not the balance exceeds the lower limit of the negative amount recorded in the settlement device storage area before and after the payment.

Thirdly, there is provided a lower limit recognizing means for recognizing the lower limit value of the negative amount for each card recorded in the settlement device storage area by the card identifier set in the card storage area.

[0009]

With the above structure, the present invention allows payment of a fee without using cash or a new card by allowing the card to have a negative amount even if the remaining amount is less than the payment amount. Also, since cash is not used together, only the user can pay the fee, so the operation side can reduce labor costs.

Further, by recording the remaining amount in the card in the settlement device, the operator can request the shortage amount to the user of the card which is not used while the remaining amount becomes negative. When the card becomes unusable due to a failure, the amount of money can be guaranteed from the recorded contents of the settlement device, so that the reliability is improved.

By setting the lower limit of the negative amount, it is possible to prevent abuse by the user.

Furthermore, since the lower limit can be set for each card, it is possible to set a limit amount according to the payment ability of the user.

[0013]

【Example】

(Embodiment 1) FIG. 1 is a block diagram showing the configuration of a charge settlement apparatus according to the first embodiment of the present invention. In FIG. 1, 101 is a prepaid card that can be used repeatedly without limit, 102 is a storage area of the card 101, 103 is a unit price input means for inputting a unit price paid by the user, and 104 is a card input / output for the card. Output means, 105 is a charge processing means for calculating charges, and 106 is a charge processing means 10.
5, display means 107 for displaying the processing result, 107 is card information recording means for recording the processing result of the fee processing means 105 in the settlement device storage area 109, 108 is a balance settlement means for searching the remaining number of each card, 109 is a fee This is a storage area of the settlement device.

In the card storage area 102 of the card 101, a card ID which is an identification number peculiar to the card and a balance in the card are recorded. In the settlement device storage area 109, a correspondence table of card IDs and card balances as shown in (Table 1) is recorded.

[0015]

[Table 1]

With respect to the charge settlement apparatus configured as described above, the charge settlement flow chart shown in FIG. 2 and (Table 1)
Card ID recorded in the charge settlement device 109 shown in
The operation will be described with reference to and the correspondence table of the balance in the card. Here, as a specific example (Table 1), card ID = 0
A case where the unit price is 300 yen / 700 yen and a total of 1000 yen is paid using the 001 card will be described.

The card input / output means 104 uses the card storage area 102 of the card 101 to store the card ID and the balance 4 in the card.
00 yen is taken out (step 201) and displayed on the display means 106.
Then, the balance of 400 yen in the card is displayed on the display (step 202). Next, the unit price input means 103 is used to input the unit price corresponding to 300 yen (step 20).
3). The charge processing means 105 calculates 100 yen by subtracting the input amount of 300 yen from the balance of 400 yen in the card (step 204), and the display means 106 shows the total amount of input 3
00 yen is displayed (step 205). Further, when the unit price corresponding to 700 yen is input using the unit price input means 103 (step 203), the charge processing means 105 subtracts 700 yen from the remaining amount in the card of 100 yen-60
0 yen is calculated (step 204), and the display means 106 displays 1000 yen which is the total amount of input (step 2).
05). Finally, when the unit price input means 104 performs the input end processing (step 206), the card input / output means 10
4 card balance in the card storage area 102-600
The circle is recorded (step 207), and the balance in the card with the card ID = 0001 in Table 1 recorded in the settlement device storage area 109 by the card information storage means 107 is changed from 400 to −600 yen (step 208). Display means 1
The balance in the card-600 yen is displayed by 06 (step 209).

FIG. 3 is a flow chart of the balance search.
When the card ID of the card to be searched by the balance search means 108 is entered as, for example, 0003 (step 30
1), the card ID entered by referring to (Table 1)
The balance in the card corresponding to is displayed in this case, -500 yen in this case (step 302). As a search method, a method of searching with the remaining amount in the card, for example, a method in which the search key is a card with a negative remaining amount, and the card ID and the in-card frequency of all the cards are displayed can be considered.

As described above, according to this embodiment, even if the remaining amount of the card is less than the payment amount, it is possible for only the user to pay the fee without the intervention of the operator. Furthermore, by keeping a record of the remaining amount in the card for each card, it is possible to easily confirm the remaining amount in the card without a card.

(Embodiment 2) FIG. 4 is a block diagram showing the structure of a charge processing apparatus according to the second embodiment of the present invention.
In FIG. 4, reference numeral 401 denotes a lower limit determination means for determining whether the balance in the card exceeds the lower limit of the negative amount set in the settlement device storage area, and other than that, it has the same configuration as in FIG.

The operation of the charge settlement apparatus configured as described above will be described with reference to the charge settlement flow chart shown in FIG. Here, as a specific example, the lower limit of the negative amount is set to −500 yen, and card ID = as in the first embodiment.
A case will be described in which a unit price of 300 yen / 700 yen, a total of 1000 yen, is paid using a card with 0001 and a balance of 400 yen in the card.

The card input / output means 104 reads the card ID and the balance 4 in the card from the card storage area 102 of the card 101.
00 yen is taken out (step 501) and displayed on the display means 106.
Then, the balance of 400 yen in the card is displayed on the display (step 502). Next, the unit price input means 103 is used to input the unit price corresponding to 300 yen (step 50).
3). The charge processing means 105 calculates 100 yen by subtracting the input amount of 300 yen from the balance of 400 yen in the card (step 504), and the total amount of input is 3 on the display means 106.
00 yen is displayed (step 505). When the unit price input means 103 is used to input a unit price equivalent to 700 yen (step 503), the charge processing means 105 subtracts the input amount of 700 yen from the balance of 100 yen in the card-60
0 yen is calculated (step 504), and the display means 106 displays 1000 yen which is the total amount of input (step 5).
05). Finally, when the unit price input means 103 performs input termination processing (step 506), the lower limit determination means 401 causes the lower limit amount -50 recorded in the settlement device storage area 109.
0 yen is compared with the balance in the card calculated by the charge processing means 105-600 yen (step 510). In this case, since the balance in the card exceeds the lower limit, a new balance is stored in the storage area of the card and the settlement device. Without recording the frequency, the display means 106 displays an error message indicating that the input exceeds the lower limit (step 511). The processing when the lower limit is not exceeded is the same as in the first embodiment.

As described above, according to this embodiment, by setting the lower limit value of the negative amount, the payment can be stopped when the payment exceeding the lower limit value occurs.

(Embodiment 3) FIG. 6 is a block diagram showing the configuration of a charge processing device in a third embodiment of the present invention.
In FIG. 6, reference numeral 601 is a lower limit recognition means for identifying what the lower limit of the negative amount of the card is, and other than that, it has the same configuration as in FIG.

The settlement device storage area 109 stores a correspondence table of card IDs and negative lower limit values as shown in (Table 2).

[0026]

[Table 2]

With respect to the charge settlement apparatus configured as described above, the charge settlement flow chart shown in FIG. 7 and (Table 1)
The operation will be described with reference to the correspondence table of the card ID and the balance in the card recorded in the settlement device storage area 109 shown in FIG. 2 and the correspondence table of the card ID and the negative amount lower limit value shown in (Table 2). Here, as a specific example, the lower limit of the negative amount is -500 yen for card A and -1000 yen for card B,
Card ID is card A = 0001, card B = 0002
As in the first embodiment, the case where the unit price is 300 yen / 700 yen and the total payment is 1000 yen will be described.

In the case of the card A, the card input / output means 104
Is the card ID from the card storage area 102 of the card 101
And take out the balance of 400 yen in the card (Step 70
1) The display means 106 displays the balance of 400 yen in the card on the display (step 702). Next, the unit price input means 103 is used to input the unit price corresponding to 300 yen (step 703). The charge processing means 105 is 100 which is obtained by subtracting the input amount of 300 yen from the balance of 400 yen in the card.
The yen is calculated (step 704), and the display means 106 displays 300 yen, which is the total amount of input (step 70).
5).

Further, by using the unit price input means 103, 70
If you enter a unit price equivalent to 0 yen (step 703),
The charge processing means 105 calculates -600 yen by subtracting the input amount of 700 yen from the balance of 100 yen in the card (step 70).
4), 100 is the total amount of input on the display means 106.
Zero yen is displayed (step 705). Finally, when the unit price input means 103 performs the input end processing (step 70).
6), the lower limit recognition means 601 recognizes the lower limit value of the card A as -500 yen from Table 2 set in the settlement device storage area 109 (step 712), and the lower limit determination means 301 determines that this lower limit value is -500 yen. Calculated balance in the card-600
In comparison with the yen (step 710), in this case, since the remaining amount in the card exceeds the lower limit amount, there is an input exceeding the lower limit by the display means 106 without recording a new remaining number in the storage area of the card and the settlement device. An error message indicating that is displayed (step 711).

In the case of the card B, steps 701 to 706 are the same as the case of the card A, and the lower limit recognition means 601 sets the lower limit value of the card B from the setting in the settlement device storage area 109 (Table 2). Recognizing that it is 1000 yen (step 712), the lower limit determination means 301 compares the lower limit value-1000 yen with the calculated balance in the card-600 yen (step 710). In this case, the balance in the card exceeds the lower limit. Since there is not, the card input / output unit 104 records the card balance-400 yen in the card storage area 102 (step 707), and the card information storage unit 107 stores the card information and the card balance-600 yen in the settlement device storage area 109. It is recorded (step 708), and the balance in the card-600 yen is displayed by the display means 106 (step 709).

As described above, according to this embodiment, the negative limit amount can be changed by the user by setting the lower limit value for each card.

[0032]

As described above, in the first aspect of the invention, the balance processing means for processing the balance as a negative amount and the balance balance searching means for searching the charge processing result recorded in the settlement device storage area are provided. Even if the card is less than the payment amount, you can pay the fee without using cash or a new card by allowing the card to have a negative amount. Also, since cash is not used together, only the user can pay the fee, so the operation side can reduce labor costs. Further, by recording the remaining amount in the card in the settlement device, the operator can request the shortage amount to the user of the card which is not used as the remaining amount becomes negative. When the card becomes unusable due to a failure, the amount of money can be guaranteed from the recorded contents of the settlement device, so that the reliability is improved.

In the second invention incorporating the lower limit judgment means, by setting the lower limit value of the minus amount,
The abuse of the user can be prevented.

Further, in the third invention incorporating the lower limit recognition means, since the lower limit value can be set for each card, a limit amount can be set according to the payment ability of the user.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a settlement device according to a first embodiment of the present invention.

FIG. 2 is a flow chart showing a charge settlement procedure in the first embodiment.

FIG. 3 is a flow chart showing a procedure for retrieving a balance in the first embodiment.

FIG. 4 is a block diagram showing a configuration of a settlement device according to a second embodiment of the present invention.

FIG. 5 is a flow chart showing a charge settlement procedure in the second embodiment.

FIG. 6 is a block diagram showing a configuration of a settlement device according to a third embodiment of the present invention.

FIG. 7 is a flow chart showing a charge settlement procedure in the third embodiment.

FIG. 8 is a block diagram showing a configuration of a conventional settlement device.

[Explanation of symbols]

 101 card 102 card storage area 103 unit price input means 104 card input / output means 105 fee processing means 106 display means 107 unit price information storage means 108 balance calculation means 109 settlement apparatus storage area 401 lower limit determination means 601 lower limit recognition means 801 card 802 card storage area 803 Charge input means 804 Card input / output means 805 Charge processing means 806 Display means 807 Card information storage means 808 Adjustment device storage area

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G06F 15/21 340 Z

Claims (3)

[Claims] 1. A card having an internal storage area, a unit price input means for paying a fee using the card, and a fee process for calculating the balance as a negative amount when payment exceeding the balance of the card occurs. Means, card input / output means for recording the charge processing result as a new balance in the storage area of the card, card information storage means for recording the charge processing result in the settlement device storage area, and display means for displaying the charge processing result, A balance adjusting device comprising: a balance retrieving unit for searching a charge processing result recorded in the balance adjusting device storage area. 2. The charge settlement device according to claim 1, further comprising a lower limit determination means for determining whether or not the balance at the time of payment exceeds a lower limit of the negative amount recorded in the settlement device storage area. 3. A lower limit recognizing means for recognizing a lower limit value of a negative amount for each card recorded in the settlement device storage area based on a card identifier set in the card storage area. The described charge adjustment device.