JPS63271698A - Trade settling machine - 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) The present invention relates to a transaction settlement device, such as a cash register, for making payment for, for example, a predetermined service or product.

(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 prepay card.

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

By the way, currently, supermarkets are the place where the most amount of change is exchanged during transactions. The total amount of a single transaction (payment amount) at a supermarket ranges from a few hundred yen to tens of thousands of yen, but the unit price (picture size) of a product is often around 1 yen, so it is always a problem to process change at around 1 yen. It becomes.

As for the change processing of these coins, there is an increase in the cost of coin processing due to the complexity of administrative processing on the business side, and
On the side, small amounts of change that are difficult to reuse accumulate, and the amount is bulky.
The problem is that it gets in the way. In particular, the dead stock rate of 1 yen coins is causing a huge loss to the nation.

However, transactions using credit cards are not suitable for small-value transactions such as those at sniver markets. Additionally, prepaid cards worth several thousand yen run out quickly, and it is difficult to get customers (users) to purchase prepaid cards worth tens of thousands of yen in advance. For this reason, there was a problem that a cashless system could not be achieved.

(Problems to be Solved by the Invention) In order to eliminate the need for exchange of coins for payment of transactions, the present invention has the following problems: credit cards are not suitable for small-value transactions, and single-use prepaid cards are
A transaction that eliminates the problems of 1M people being left alone and the inability to implement cashless payments, is suitable for small-value transactions, provides convenience for payment of transactions by card, and contributes to the spread of cashless payments. The purpose is to provide payment devices.

[Summary of the Invention] (Means for Solving the Problems) In the transaction settlement device of the present invention, in a transaction settlement device that settles consideration for a transaction or a transaction item, a certain amount of money is paid at the time of transaction settlement. It consists of a subtraction means for subtracting the payment amount from the given token card, and an addition means for adding the amount to the balance of the 1.-kun card from which the payment amount has been subtracted by the subtraction means.

(Operation) This invention allows the token card to be used repeatedly by making payments by subtracting the amount on the token card according to the payment amount, and by making it possible to increase the amount that can be paid at the time of payment held by the card. It has been made possible.

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

FIG. 2 shows a cash register as a transaction settlement device of the present invention. This cash register 10
The operation surface of is stepped-shaped, and the upper plane 11 has a C
An RT display section 12 and a floppy disk insertion slot 13 are provided. A floppy disk (not shown) on which an operator's code is recorded is inserted into the floppy disk insertion slot 13. Further, the upper plane 11 is provided with a receipt outlet 15 for receiving a receipt on which account items and the like are printed.

The stepped portion 16 is provided with a ten-key portion 17 and an event-key portion 18. Numeral key part 17 includes numeric keys from 0 to 9 and a total key 17a that is input when calculating the total amount.
and the deposit key 17b that is inserted after inputting the amount to be received.
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 customers of the store sales amount.

At the rear of the card insertion slot 22, as shown in FIG. 3, a card processing section 3o is provided.

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 through 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 roller pairs 32, 35 are rotated by three belts 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. 4 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, and reads and writes magnetic information; a key personnel unit 44 that includes a numeric keypad section 17 and an item key section 18; LED numeric display 26 to notify
, CRT 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, there is a number 5.
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 rl of card P.
"0" corresponding to 000J, 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, on the back side of the card P, as shown in FIG. 5(b), for example, magnetic stripe portions 46 and 47 are provided which are read and written by the magnetic head 33. 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. This information is made visible using a special viewer, so that the exact amount of the balance is represented numerically.

FIGS. 6(a) and 6(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, now, a floppy disk is inserted from the 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 an "account" key (not shown) provided on the numeric keypad portion 17 has been pressed. If this determination is YES, it is determined that the transaction has been finalized, and the amount and items of all transactions are printed out by the receipt printer 43, and the floppy disk device 42 (the floppy disk is
A personal record is made.

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

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

Next, it is determined whether or not the "match=1" key 17a has been pressed. If this determination is No, the flow of amount input and item input is executed again. Then, all the amounts and items of Mizoko products are entered manually, and when the "total" key 17a is pressed to calculate the total amount (settlement amount) by Mizoko, 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 displayed from the number pad 17. When the received amount is input, the "deposit" key 1, 7b is pressed.

In this state, the card P is inserted into the card processing section 30 shown in FIG. 3 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 has the user number and balance (remaining amount) read from the magnetic stripe section 46 by the magnetic head 33.

Next, it is determined whether one "card deposit" key has been pressed. If this determination is YES, that is, when a banknote is received from the customer in an amount that will generate change for the purchase amount, 1000 will be generated between the purchase amount and the amount of the banknote.
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 portions 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 one "card deposit" key 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 customer receives a banknote whose amount is insufficient for the purchase amount, 1 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 portions 46 and 47 is transferred to the card P by the magnetic head 33.
The amount obtained by subtracting the insufficient amount from the remaining balance is updated and recorded, and the printer 41 prints a mark M at a predetermined position on the surface of the card P corresponding to the deducted amount.

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 4B 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.

As mentioned above, if banknotes (cash) and a prepay card (token card) are used together, and the amount of banknotes is less than the purchase amount, the shortfall will be debited from the balance of the Buripay card to make the payment. When the amount of banknotes exceeds the sales amount, the amount of change is transferred to the balance of the prepay card, thereby increasing the balance of the card that can be paid in the next transaction.

As a result, the Bripay card can be used repeatedly, which eliminates the hassle of frequently purchasing low-value cards and the inconvenience of having to purchase expensive cards in advance.

Also, since it is possible to eliminate the need for exchanging coins,
For the merchant, the cost associated with coin processing is reduced, and for the customer, there is no need to receive coins that are difficult to reuse. Therefore, it is suitable for small-value transactions, and it is possible to implement a cashless payment system in which a large amount of coins are exchanged, such as in supermarkets, thereby improving convenience in payment of transactions.

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 purchase amount with the card balance. For example, if the amount of small change 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. ) As shown in (), 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, the present invention provides a transaction settlement device that is suitable for small-value transactions, is convenient for card-based transaction settlements, and contributes to the spread of cashless payments. Can be provided.

[Brief explanation of the drawing]

FIG. 1 is a flowchart shown to explain the operation related to transaction settlement according to an embodiment of the present invention, FIG. 2 is an external perspective view schematically showing a cash register to which the present invention is applied, and FIG. 3 is a side view schematically showing the configuration of the card processing section, FIG. 4 is a control block diagram of the cash register, FIG. 5 is a plan view showing the configuration of the BriPay card, and FIG. 6 is for explaining the viewer. (a) is a perspective view, (b) is a cross-sectional view of (a) taken along line X-X,
FIG. 7 is a diagram showing an example of a display as another embodiment of the present invention. P...Prepay card, 10...Cash register, 12...CRT display section, 17...Part of the numeric keypad,
18...Part of the event key, 19...Card deposit key, 2
0...Card payment key, 22...Card insertion slot, 2
6...LED numeric display, 30...card processing section,
33...Magnetic head, 41...Printer, 45...
・Main control unit, 46.47... Magnetic stripe unit, 48
... Case, 51 ... Magnetic powder solution, 52 ... Display section. Applicant's representative Patent attorney Takehiko Suzue Figure 3 Figure 4 Figure 5 Figure 6

Claims (3)

[Claims] (1) In a transaction settlement device that settles the consideration for a transaction or a transaction item, there is a subtraction means that subtracts the payment amount from a token card to which a certain amount has been assigned at the time of settlement of the transaction, and the payment amount is subtracted by this subtraction means. A transaction settlement device comprising: an addition means for adding an amount to the balance of a token card. (2) Transaction settlement according to claim 1, wherein the subtraction means subtracts the shortfall amount from the token card when the amount paid in banknotes for each transaction settlement is short of the settlement amount. Device. (3) When the amount paid in banknotes for each transaction payment exceeds the payment amount, the addition means adds to the token card an amount of change that is less than or equal to a certain amount that exceeds the payment amount. Transaction settlement device described in scope 1.