JPS63271694A - Token card - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] [Object of the Invention] (Industrial Application Field) This invention relates to a token such as a Buripay card to which a certain amount of money is attached, which is used for payment of consideration for a predetermined service or product. Regarding cards.

(Prior Art) Currently, the wave of cashless society is steadily progressing, and electronic payment systems that do not use cash have been realized. One of these electronic payment systems is a deferred payment system using a credit card, and the other is a prepayment system using a Buripay card.

In particular, Buripay cards are convenient for settling small-value transactions, as seen in the rapid spread of telephone cards and railway cards, and coins (small change) are becoming unnecessary in certain fields. .

By the way, in the BriPay cards that are currently being used, punch holes are used to display the approximate balance (remaining card count and balance) depending on the number of cards used and the amount of money. That is, the usage status of the card is displayed as [K] depending on the position of the punch hole.

However, for the user (customer), it is impossible to grasp the accurate card balance from this approximate display.

(Problem to be solved by the invention) This invention eliminates the problem of not being able to accurately grasp the balance of a card. The purpose is to provide cards.

[Summary of the Invention] (Means for Solving the Problems) In the token card of the present invention, a token card to which a certain amount of money used for payment of transactions or transaction items is provided, The system is configured to include a recording section in which magnetic information is recorded to display the card amount, which changes with each payment, in a visible state using a magnetic viewer.

(Function) This invention records the amount of money on a token card, which changes with each transaction, in a rewritable manner as magnetic information that displays numbers in a visible state using a magnetic viewer.
This allows you to always know the latest amounts accurately.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 4 shows a cash register as a transaction settlement device in which transactions are settled using the token card of the present invention. The operation surface of this cash register 10 is stepped, and the upper plane 11 is provided with a CRT display section 12 and a floppy disk insertion slot 13. A floppy disk (not shown) on which an operator's code is recorded is inserted into the floppy disk insertion slot 13. Further, on the upper plane 11, there is a receipt outlet 15 for receiving receipts with account items printed thereon.
is provided.

The stepped portion 16 is provided with a ten-key portion 17 and an event-key portion 18. The number key part 17 includes number keys from O to 9 and a total key 17 that is input when calculating the total amount.
Deposit key 17 inserted after inputting a and the amount to be received
b is provided.

The item key portion 18 is provided with keys representing items of products sold in the store. Further, this stepped portion 16 is provided with a card deposit key 19 that adds coins (change) generated by transaction settlement to the balance of the card, which will be described later, and a card payment key 20 that debits the insufficient small change from the card balance. It is being

The lower plane 21 is provided with a card insertion slot 22 and a drawer 23 serving as a storage section for storing money.

Furthermore, an LED numeric display 26 is provided on the upper part 25 of the cash register 10 to inform the customer of the amount of money.

A card processing section 30 is provided at the rear of the card insertion slot 22, as shown in FIG.

This card processing unit 30 includes a first sensor 3 that optically detects a prepaid card (hereinafter simply referred to as a card) P as a token card inserted from the card insertion slot 22.
1. A pair of card take-in rollers 32 is provided behind this sensor 31. This roller pair 32
A magnetic head 33 and a pinch roller 34 facing the magnetic head 33 are provided adjacent to the magnetic head 33 . A pair of rollers 35 is disposed adjacent to the magnetic head 33 and pinch roller 34 .

A second sensor 36 is arranged between the magnetic head 33 and the roller pair 35. Further, a drive roller pair 37 is arranged behind the roller pair 35. The drive roller pair 37 and the roller pair 32.35 are rotated by a belt 39 driven by a motor 38.

A guide plate 40 is provided along the card conveyance path formed by the drive roller pair 37 and the roller pair 32.degree. Further, a printer 41 is provided adjacent to the drive roller pair 37, and the printer 41 prints on the surface of the card P.

FIG. 6 shows a control block diagram of the cash register 10. In other words, floppy disk insertion slot 1
A floppy disk device 42 reads operator codes or records transaction details from a floppy disk inserted from the floppy disk 3, and a receipt printer 43 prints account items and the like on the receipt discharged from the receipt outlet 15.
, a card processing unit 30 that prints on the card P inserted through the card insertion slot 22, reads and writes magnetic information, a key personnel unit 44 that includes a number pad section 17, an item key section 18, etc.; LED numeric display 26 to notify
, CR7 display section 12, etc. are connected to the main control section 45.

Here, the card P will be explained. This card P
is a prepaid card used as a substitute currency (token), and the prepaid amount as its value is, for example, 1000 yen, which is the minimum denomination of banknotes. 1
For example, on the surface of the card P as a 000 yen note, the first
As shown in Figure (a), a printing area is provided in which the printer 41 prints a mark M indicating an approximate value of the balance as the value of the card P, which changes with each transaction.

This printing area is, for example, the prepaid amount of card P “10
"0" corresponding to "00", r500J.

It is divided into rloooJ, r1500J, r2000J, and a mark M is placed at the position according to the balance for each transaction.
is now printed.

Further, the back surface of the card P is provided with magnetic stripe sections 46 and 47 that are read and written by the magnetic head 33, as shown in FIG. 1(b), for example. In the magnetic stripe section 46, for example, a user number for customer management and the latest balance amount that changes for each transaction are digitally magnetically recorded.

The magnetic stripe section 47 is configured as a multi-track divided into, for example, five tracks, and information indicating the latest balance amount is rewritably magnetically recorded by parallel lines of magnetic reversal lines for each track. By making this information visible using a special viewer, the accurate balance amount can be expressed numerically.

FIGS. 2(a) and 2(b) show the viewer. This viewer is configured as a case 48 that stores the card P. On the surface of this case 48, a magnetic powder solution 51 is sealed between a transparent thin plate 49 and a substrate 50.
A display section 52 consisting of the following is provided. This display section 52
In this case, the magnetic powder G in the solution 51 is
By being moved along the magnetic reversal line of the track,
The balance amount of the card P stored in the case 48 is represented as a visible number.

That is, in this card P, the balance can be subtracted according to the shortfall due to small change generated by the transaction, and the balance can be added according to the amount of change due to the small change generated by the transaction. The balance amount updated for each transaction is schematically indicated by a mark M on the front surface of the card P, and is magnetically recorded on the back surface of the card P. As a result, the balance of the card P can be roughly known from the mark M, and the display section 5 of the case 48
From 2 onwards, the exact balance can be visually checked with numbers. Therefore, it is possible to use the card P semi-permanently, and it is possible to make the card convenient for the user (customer) and have high utility value.

Next, the operation will be explained with reference to the flowchart shown in FIG. For example, a floppy disk is now inserted through the floppy disk insertion slot 13. Then, the floppy disk device 42 reads data such as operator codes from the floppy disk.

In this state, the operator keys in his code. Then, the key-in code and the floppy code are verified, and if the verification is No, the operator code must be re-entered.

If the result of the verification is YES, it is determined whether or not the "account" key (not shown) provided on the numeric keypad part 17 has been pressed. If this determination is YES, it is determined that the closing is completed. The amounts and items of all transactions are printed out by the receipt printer 43 and recorded on a floppy disk by the floppy disk device 42.

Further, if the determination is NO, it is determined whether or not a "groove light" key (not shown) provided on the number pad part 17 has been pressed. If this determination is NO, the operation of the "account" key is checked again.

On the other hand, if the "Mizoko" key is pressed, it becomes possible to trade the product with the customer, and the amount of the product is entered from the number key section 17, and the item of the product is entered from the item number key section 18. At this time, the amount is displayed on the CR7 display section 12 and the LED numeric display 26.

Next, it is determined whether the "total" key 17a has been pressed. If this determination is No, the flow of amount input and item input is executed again. Then, when all the amounts and items of the Mizoko products are input and the "total" key 17a is pressed to calculate the total amount (settlement amount) of the Mizoko products, the drawer 23 is opened.

Here, the purchase amount is displayed on the LED numeric display 26, and when the banknotes and card P are received from the customer, the amount of the received banknotes is input from the number pad part 17. When the received amount is input, the "deposit" key 17b is pressed.

In this state, the card P is inserted into the card processing section 30 shown in FIG. 5 through the card insertion slot 22. Then, this card P is detected by the first sensor 31. In response to the detection signal of the first sensor 31, the motor 38
rotates in the card loading direction. As a result, the card take-in roller pair 32 transports the card P into the card processing section 30.

During this transportation, the card P is moved by the magnetic head.

33, the user number and balance of the magnetic stripe section 46 (
balance) is read.

Next, it is determined whether or not the "Card Deposit 2" key 19 has been pressed. If this determination is YES, that is, when the banknotes are received from the customer in an amount that will generate change for the purchase amount, 1000 generated between the purchase amount and the bill amount
Add the change of yen or less to the balance of card P. That is, the balance of the card P recorded in the magnetic stripe sections 46 and 47 is updated and recorded by the magnetic head 33 with the total amount of the balance of the card P and the change.
1, a mark M is printed at a predetermined position on the surface of the card P corresponding to the total amount.

On the other hand, if the determination as to whether or not the "card deposit" key 19 has been pressed is No, it is determined whether or not the "card payment" key 20 has been pressed. If this determination is YES, that is, when a banknote whose amount is insufficient for the purchase amount is received from the customer, 10% will be generated between the purchase amount and the amount of the banknote.
The insufficient amount of 000 yen or less is subtracted from the balance of card P.

That is, the balance of the card P recorded in the magnetic stripe sections 46 and 47 is updated and recorded by the magnetic head 33 with the amount obtained by subtracting the insufficient amount from the balance of the card P, and the printer 41 further records the balance corresponding to the deducted amount. A mark M is printed at a predetermined position on the surface of the card P.

For example, if the total purchase amount is 2562 yen,
When three 1000 yen bills and card P are received from the customer, the "card deposit" key 19 is pressed and 438 yen as change is added to the card balance. Also, from the customer 10
When three 00 yen bills and card P are received, the "card payment" key 20 is pressed and 438 yen as change is subtracted from the card balance.

Then, the card P is returned to the customer, and a receipt with the details of the transaction (account items, etc.) recorded by the receipt printer 43 is issued from the receipt exit 15, and the details of the transaction are recorded on the floppy disk by the floppy disk device 42. .

After storing the banknotes received from customers by face value,
The transaction is completed by closing the drawer 23.

Here, by storing the card P in the case 48, the balance changed by the settlement of the transaction is displayed on the display section 52. From the display on the display unit 52, the customer can grasp the exact amount, which can be used as a guideline for the next transaction.

As mentioned above, the balance, which fluctuates (updates) each time a transaction is settled, is recorded magnetically in a rewritable manner as information that allows numbers to be displayed visually using a special viewer using parallel lines of magnetic reversal lines. There is. This makes it possible to always accurately grasp the latest balance and amount using numbers, making it easy to recognize the amount of money that can be used with a prepaid card. Therefore, it is possible to create a card that is convenient for the user and has high utility value.

In the above embodiment, the case where the payment is made according to the amount received from the customer is explained as an example, but the payment may be made according to the card balance, for example. in this case,
Compare the amount of small change of 1,000 yen or less of the Mizomitsu amount with the card balance, and for example, if the small change amount can be withdrawn from the card balance (the amount of small change minus the card balance), the amount shown in Figure 7 (a)
In addition to displaying a message as shown in Figure 7 (b), the insufficient amount is automatically debited from the card balance. ), the message may be displayed and the amount of change may be automatically transferred to the card balance.

Furthermore, in the embodiments described above, a cash register is used as an example of a transaction settlement device, but the present invention is not limited to this, and can be applied to, for example, automatic vending machines such as ticket vending machines, telephones, and the like. Furthermore, it is applicable not only to supermarkets but also to general places where transactions are settled, for example.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide a token card in which the balance of the card is displayed numerically and the card is convenient to use.

[Brief explanation of drawings]

Fig. 1 is a plan view showing the configuration of a prepay card as an embodiment of the present invention, and Fig. 2 is for explaining the viewer, (a) is a perspective view, (b) is (a) Figure X-X
3 is a flow chart shown to explain the operation related to transaction settlement; FIG. 4 is an external perspective view schematically showing a cash register to which the present invention is applied; FIG. 5 is a sectional view taken along the line; 6 is a side view schematically showing the configuration of the card processing unit, FIG. 6 is a control block diagram of the cash register,
FIG. 7 is a diagram showing an example of a display as another embodiment of the present invention. P...prepay card, G...magnetic powder, M...mark, 10...cash register, 12...CR
T display section, 17...part of the numeral, 18...part of the item number, 19...card deposit key, 20...card payment key, 22...card insertion slot, 26...LED Numerical display, 30... Card processing unit, 33... Magnetic head, 41... Printer, 45... Main control unit, 46.
47... Magnetic stripe section, 48... Case, 51
...Magnetic powder solution, 52...Display section. Applicant's Representative Patent Attorney Takehiko Suzue Figure 1 Figure 2 Figure 4 Figure 5 Figure 6 Figure 7 (b) Figure

Claims (2)

[Claims] (1) In a token card to which a fixed amount of money is attached for payment of transaction or transaction value, a magnetic card that displays the amount of money on the card, which changes with each transaction settlement, in a visible state using a magnetic viewer. A token card characterized by being provided with a recording section in which information is recorded. (2) The recording section is composed of multi-tracks, and the magnetic information recorded on the tracks is such that monetary amounts are expressed as characters or figures by parallel lines of magnetic reversal lines. token card.