JPS6334504B2 - - Google Patents

Description

[Detailed Description of the Invention] <Technical Field> This invention provides a credit card system that allows individuals to easily manage the cumulative amount of credit card usage (hereinafter referred to as charge) when purchasing products using a credit card. The present invention relates to a cumulative usage amount management device.

<Background of the invention> In today's world where credit cards have become widespread,
It is becoming more common for a single person to own multiple credit cards. In such cases, since the charge for each card is different, it is necessary to know the charge of the card used when purchasing a product, but in order to prevent forgetting the charge for each card, it is necessary to have a charge update function. A portable card usage amount management device has been proposed. However, with this type of conventional management device, it was only possible to check the charge of each credit card individually by operating the charge display key, so it was only possible to check the charge of each credit card individually by operating the charge display key. It took time to select a suitable credit card and the operation was complicated. For this reason, there have been an increasing number of cases in which credit cards are used without checking the charge on all cards when purchasing goods, and as a result, credit cards cannot be used in a well-balanced manner. Also,
Even at the time of payment, it was not possible to easily grasp the charge of each card, so it was not possible to make a well-balanced payment for the charge of each card.

<Objective> An object of the present invention is to provide a credit card usage amount management device that eliminates the above-mentioned drawbacks and allows the use of a plurality of credit cards in a well-balanced manner.

<Configuration and effects> This invention can be summarized as follows.

an input key for inputting the purchase amount of a product using a plurality of credit cards; a usage cumulative amount storage means for storing the charge of each credit card; and a means for updating the charge corresponding to the card used each time the product purchase amount is input. In preparation, charges for each credit card can be updated every time a product is purchased. Then, when entering the product purchase amount, a means is provided to display the smallest charge among the charges on each card and the largest charge in order, so that the displayed charge does not exceed the credit line and the product purchase amount is added to the displayed charge. When the amount charged is appropriate in terms of balance compared with other card charges, the card corresponding to the displayed charge can be designated as a credit card whose cumulative usage amount can be updated and managed. In addition, at the time of payment, a means is provided to display the charges from the largest charge to the smallest charge for each card, and when the charge display that achieves the best balance among all charges is performed, the displayed charge is displayed. To enable a card corresponding to a credit card to be designated as a credit card capable of updating and managing the cumulative usage amount. The card designation at the time of product purchase and payment is performed using a credit card designation means.

According to this invention, when shopping, the lowest charge is displayed first, and when paying, the highest charge is displayed first, so the user has to perform operations to understand the charge of each card. There's no need to do it. Therefore, the operability is very good, and moreover, a plurality of cards can be used in a well-balanced manner.

<Embodiment> FIG. 1 is an external view of a deposit/withdrawal management device which is an embodiment of the present invention. The deposit/withdrawal management device of this embodiment not only manages credit card charges but also manages the deposit/withdrawal status of an account such as when a check is written or a deposit is made.

In the figure, a main body 1 is provided with a dot matrix liquid crystal display 2 and an input key 3. A case 4 has the main body 1 attached thereto, and is also provided with a card holder 5 for storing a plurality of credit cards and for fixing a personal check spelling 6, and a holder 8 for fixing a ballpoint pen 7. A terminal 1a for connecting external equipment is formed on the side of the main body 1, and a printer 9, which is an optional device, can be connected to this terminal 1a.

The input keys 3 include a numerical key 3a, a function key 3b for performing arithmetic operations and reading and writing to memory, and a function key 3c for inputting transaction information. Function key 3
c is the YES key and NO key used to check whether the displayed content is correct or incorrect, the HELP key used when the usage status of the device is unknown, and the ENTER key used when entering transaction information.
It consists of a key.

FIG. 2 shows an example of the display state on the display 2. FIG.
The first number 1012 represents the check number.
The next 1055.89 represents the check amount ($). Furthermore, the next 1175.42 represents the current balance.

FIG. 3 shows the display state when determining the operating mode of the device. This display state is formed when the power is turned on, and inquires whether the operating mode is check mode, credit card mode, or calculator mode. The keys 7, 8, 9, ÷, and C/ON of the input key 3 are arranged in the positions shown in the figure when this inquiry is displayed. The operation mode is determined by turning on either the input keys 7, 9 or the C/ON key. That is, turning on the 7 key selects the check mode, turning on the 9 key selects the credit card mode, and turning on the C/ON key selects the calculator mode. FIG. 4 shows the display state displayed when any one of the five types of credit cards A to E is designated as a card whose cumulative usage amount can be updated and managed.
Each of the five types of keys at this time is as shown in the figure.
It is located directly below the displayed positions of A, B, C, D, and E. Therefore, for example, if the 7 key is turned on, card A is designated, and if the ÷ key is turned on, card D is selected.

FIG. 5 is a block diagram of the deposit/withdrawal management device of this embodiment.

The CPU 20 has a ROM 2 that stores programs.
1. RAM 22, which stores transaction information and other work areas and flags are allocated, is connected to the bus, and input data from input key 3 is sent to I/O 23.
is taken into the CPU 20 via. Further, the display data is displayed on the display 2 via the I/O 23. Note that the auto clear key ACL and external terminal E are connected to I/O23.

FIG. 6 is a memory map of the main parts of the RAM 22.

Area MA constitutes a storage means for registering transaction information, and stores check numbers and their check numbers.
It has 30 registers N0 to N29 and M0 to M29, each of which stores the amount of money (check amount).

The area MB is composed of five memories that store the cumulative amounts used for each of the five types of cards A to E.

Area MC consists of four registers O, P, Q, and R. Register O stores the opening balance, which is the amount carried over from the previous month. Register P stores the current balance, which is the current balance. Register Q stores the minimum balance, which is the minimum deposit balance of the account. The minimum balance is the minimum amount of money you have in your bank account that allows you to write a check without being charged a fee by the bank. Register R
memorizes the last check number.

Area MD is composed of four registers for calculations X, Y, Z, and W, and a memory M for storing calculation data.

Area ME consists of counters n, d, b,
Counter n specifies the address of the 30 registers in area MA above, and counters d and b are described later.
Used when executing RECONCILE mode (deposit/withdrawal matching routine).

Next, the operation of the deposit/withdrawal management device having the above configuration will be explained with reference to the flowcharts from FIG. 7 onwards.

FIG. 7 shows the main routine.

First, when the battery is inserted, step n0
(Hereinafter, step ni will be simply referred to as ni), the initialization subroutine INT is executed. In this initialization subroutine INT, the opening balance, current balance, minimum balance, and last check No. necessary for deposit/withdrawal management are stored in the area MC of the RAM, respectively. 8th
The figure shows a flowchart of this initialization subroutine.

At n30, memory reset is performed. The areas to be reset are all the areas shown in FIG. Next, select “HELLO” from n31 to n33.
NICE MEET” “TO YOU.I’M YOUR”
The content of the greeting from "PROPERTY MANAGER" is displayed in three stages at intervals of 0.5 to several seconds. When this display is finished, press n34 and n35 to select “PLEASE ENTER” and “OPENING BALANCE.”
is displayed and prompts you to enter the opening balance, which is the actual balance in your bank account at the end of the previous month. The subroutine E6 of n36 is a subroutine that stores the amount input by the input key in the register X. FIG. 9 shows a flowchart of this subroutine E6. First of all, in n70 “AMOUNT”
=(X)'' to prompt input of the amount using the numerical keys. The numerical data inputted from the input key 3 at n71 is stored in the register X, and its contents are displayed on the display 2 at the same time.
Numerical data input until the ENTER key is operated is stored in register X, and returns at the stage when the ENTER key is operated.

At n35 in FIG. 8, the opening balance is in a waiting state for input, so the opening balance is stored in the register X when subroutine E6 at n36 is executed. At n37, the contents of register X are transferred to register O in which the opening balance is registered. and n38~n4
0 “THANK YOU” “PLEASE ENTER”
Displays “MINIMUM BALANCE” and then prompts you to input the minimum balance. Similar to n36 above, the minimum balance is subroutine E of n41.
6 is stored in register X. Further, the minimum balance stored in this register X is transferred to register Q. In n43 and n45,
“THANK YOU” “PLEASE ENTER”
“LAST CHECK No.” is displayed and prompts you to enter the last check number. And register X at n46
The last check number is stored in , and the contents are transferred to register R in n47. Also, n48 to n5
0, “THANK YOU” “PLEASE”
ENTER""CURRENTBALANCE" is displayed to prompt the input of the current balance. When the contents are input at n51, the input current balance is transferred to register P at n52. In the above manner, the opening balance,
After storing the minimum balance, last check No., and current balance in registers O, Q, R, and P, respectively, n53 and n54 display "THANKS" and "YOUR CO-OPERATION" as a thank you. Furthermore, in order from n55 to n59, “OPN BAL××××.××” “MIN BAL×××
×． ××”“LAST No.××××”“CRNT BAL
××××. ××” “OK? ” is displayed, prompting the operator to check whether the entered information is correct. If these four types of data have been entered correctly, the operator turns on the YES key. If not, press the NO key. is turned on. If the NO key is turned on, the process returns to n34 and prompts for input from the opening balance again. When the YES key is turned on and the input is completed, the process returns to the original main routine.

In n1 of the main routine, “CHECK?
CARD? CALL? ” is displayed (see Figure 3).
This display state is now <ST>. As mentioned above, this <ST> state is a state that prompts the determination of the operation mode of the deposit/withdrawal management device. The operation mode is determined by operating one of the three input keys 7, 9, or C/ON. n3 to n5 are the determination steps.
When the HELP key is operated in the <ST> state, subroutine H1 from n2 to n6 is executed.

FIG. 10 is a flowchart of this subroutine H1. In this subroutine H1, first n
“WOULD YOU USE” in 80, n81
“FOR CHECK BOOK” is displayed to inquire whether to use this device in check mode. At n82, it is determined whether the YES key or the NO key has been operated, and if the YES key has been operated, the process advances to n8 of the main routine in FIG. If it is the NO key, proceed to n83, n83, n
In 84 “WOULD YOU USE” “FOR
"CARD MEMORY" is displayed to inquire whether or not to use this device in credit card mode.If the YES key is operated at n85, the process advances to n14 of the main routine in Figure 7.If the NO key is operated, the process advances to n14. Go to n8
6. “WOULD YOU USE” on n87
“FOR CALCULATION” will be displayed and you will be asked whether you want to use this device as a calculator.
If the YES key is operated at n88, the process advances to n7 of the main routine shown in FIG. Also NO
If the key is operated, the main routine n in Figure 7 will be executed.
Return to 1 <ST>.

In this way, in subroutine H1, the operation mode is determined based on the type of interaction with the device.
Therefore, if the operator does not know how to use this device, he or she can easily set the operating mode by interacting with the device itself by operating the HELP key.

Returning to the main routine of FIG. 7, if the 7 key is operated in the <ST> display state, the check mode is selected and the process advances to n8. n8 displays "WRITE CHECK?" and inquires whether to write a check. If so, proceed to n20 and execute subroutine WCK. If not, go to n10 and display “DEPOSIT?”
Inquire whether or not to make a deposit. YES
If a key is operated, proceed to n19 and subroutine
Run DEP. If not, the process advances to n12, where the message "RECONCILE?" is displayed, and an inquiry is made as to whether or not the previous deposits and withdrawals should be verified.
If the YES key is operated, the process advances to step 18 and subroutine REC is executed. Otherwise, <ST of n1
Return to >. Also in n9, n11, n13
Immediately after the HELP key is operated, <ST> of n1
Return to state.

On the other hand, if the 9 key is operated in <ST> state, n
4 → Proceed to n14. As described above, the operation of the 9 key selects the credit card mode. n14
First, "CHARGE CARD?" is displayed and the user is asked whether or not the card will be used to purchase the item. If the YES key is operated, the process advances to n22 and subroutine CHA is executed. If the NO key is operated, the process advances to n16, where "PAYMENT?" is displayed, and an inquiry is made as to whether or not to pay for the use of the card. If the YES key is operated, n
Proceed to step 21 and execute subroutine PAY. Otherwise, return to <ST> of n1. Also n15
If the HELP key is operated in n17, the process immediately returns to <ST> in n1.

If the C/ON key is operated in the above state <ST>, the calculator mode is selected and the calculator subroutine n7 is executed. The calculator subroutine of n7 is composed of known routines. If the HELP key is operated during this process, the process immediately returns to the <ST> state of n1.

As described above, one of the check, credit card, and calculator operation modes is selected in the <ST> state, and the operation contents in each mode are determined and the corresponding subroutines are set.

Next, the operation contents of each of the subroutines selected in steps n18 to n22 will be explained.

FIG. 11A is a flowchart of the subroutine WCK executed at n20 of the main routine.

n90 is a light check processing subroutine WS for turning off the check in the check mode. After performing the necessary processing in this subroutine,
n91 displays “NEXT WRITE?” and asks whether to write another check.
When the YES key is operated in n92, the process returns to n90, and when the NO key is operated, the process returns to the <ST> state.

FIG. 11B is a flowchart of the above-mentioned light check processing subroutine WS.

First, lower subroutines in n100
nc is executed. This subroutine nc uses RAM
It is determined whether all 22 areas MA, ie, 30 N and M registers that store check numbers and amounts, have been used. After completing this determination, subroutine cc is further executed at n101.
Here, it is determined whether the current current balance is below the minimum balance. Details of these subroutines nc and cc will be described later.

When the above determination process is completed, the contents of the current balance stored in the register P are displayed at n102. At this stage, the operator can know whether the amount of the check he is about to write is less than the current balance, and can also determine whether the balance at the time of writing the check is more than the minimum balance. I can do it. Furthermore n10
In step 3, it is assumed that the checks are to be turned off continuously, and the check number obtained by adding 1 to the current last check number stored in the register R is displayed, and an inquiry is made as to whether this is correct. When the YES key is operated in n104, the process advances to n105, and assuming that the displayed check number is correct, the content stored in the current register R plus 1 is added to the calculator for use as a work area. Register Y
Store in. On the other hand, if the NO key is operated at n104, “ENTER CHECK No.” is displayed at n106.
will be displayed to prompt you to enter the correct check number. Then, in n107, subroutine E4 is executed.

FIG. 12 shows a flowchart of subroutine E4. First, in n73, “CHECK No.=
(Y)" and prompts you to input the check number.Then, similarly to inputting the amount shown in FIG. 9, the data input at n74 and n75 is stored in register Y.When the ENTER key is operated, Return to step.

When the execution of the above subroutine E4 is completed at n107, the correct check number will be stored in register Y.
Determine whether it is registered in MA (n1
08). If not registered, proceed to n109.
“ENTER AMOUNT” will be displayed to prompt you to enter the check amount. Then, at n110, subroutine E6
Execute and store the check amount in register X. Next, check the check number stored in register Y and the check amount stored in register
and check if it is correct.
If the YES key is operated, n114 in Figure 11C
Proceed to. Here, it is determined whether the area MA of the RAM 22 has become full. If so, the process advances to n115 and the contents of register Y are transferred to register R as the last check number. Also, the amount in register X is subtracted from the current balance in register P, and the result is stored in register P again. If the memory is not full, the same process as n115 is performed, and the contents of register Y are registered in register Nn of area MA, and the contents of register X are registered in register Mn. Furthermore, the counter n is incremented. Then, in n117, the registered check number, check amount, and current balance are displayed, and the process proceeds to n118. In n118, the current balance and the minimum balance are compared as in n101 described above.

On the other hand, if the NO key is operated in n112, "PLEASE REWRITE" is displayed in n113, and the process returns to n103 to input the check number and check amount again.

A flowchart of the subroutine nc of the above n100 is shown in FIG. 11D.

Counter n specifies the addresses of registers N and M that can be registered up to 30. If this value exceeds 30, all 30 registers have been registered and no more can be registered. Therefore, if n120 and the value of n exceeds 30, n1
“MEMORY IS EMPTY” in 21~n123
“PLEASE RECORD” “TO ANY PAPER”
A message indicating that registration is not possible is displayed. The value of n is 30
If it is below, return to the original state without doing anything.

FIG. 11E is a flowchart of subroutine cc.

This subroutine executes the register P as described above.
Current balance and register Q stored in
Compare with the minimum balance stored in
This is a subroutine to call attention when the current balance falls below the minimum balance. First, the contents of register P and register Q are compared at n124. If the former amount exceeds the latter amount, it will return to the original state without doing anything, but if not, in n125 to n128,
“CAUTION” “PLEASE REMEMBER”
“YOU MUST PAY” and “CHARGE!” are displayed to warn you of what to do if the current balance is less than the minimum balance, that is, you will have to pay a certain percentage of fees to the bank. In other words, if the operator sees this display when cutting a check, he or she will know that he or she must pay a fee to the bank. Therefore, if you want to avoid paying fees, you can either make a deposit immediately or cancel the check you wrote at that time.

The above check cancellation process is performed by the above subroutine.
It can be done with WS. First, the check number to be canceled is input at n107. Then, the process proceeds from n108 to n130. Since the contents of the selected register M are not code F, n130
→ Proceed to n131 and check the check number entered here.
The amount registered there will be displayed, and a confirmation will be displayed to confirm whether or not to cancel (VOID).
If the YES key is operated to cancel, the cancellation code F is stored in the register Mn, the amount of Mn is added to the current balance, the current balance is further displayed, and the process returns to the original state. With the above process, you can cancel a check that has been cut.
On the other hand, canceled checks are also registered in the same way as regular checks through the above procedure, so if the canceled check number is entered when the check is written, the process goes from n130 to n135. and proceeded,
“IT WAS VOIDED” is displayed in the register indicating that a canceled check has been registered. The process then proceeds to n113, where a display prompting the user to enter a new check number is displayed.

As described above, when a check is written and when a check once cut is canceled, these are registered in the area MA. Also, every time you cut a check,
It determines whether the MA is full, and if it is full, it displays that fact, and it also determines whether the current balance at the time of writing the check is less than the minimum balance, and if it does, it displays a message to that effect. Display the information to call attention to it.

Next, the operation when subroutine DEP is selected in the main routine of FIG. 7 will be described.

FIG. 13 is a flowchart of this subroutine DEP.

First, in n210, a lower subroutine nc is executed (FIG. 11D). That is, first, the registration status of the area MA is determined, and if all 30 registers are used, a message to that effect is displayed to draw attention. Next, the current balance is displayed. Then, at n212, "ENTER AMOUNT" is displayed, and the entered deposit amount is stored in register X. The stored data is added to the current balance of register P, and the total amount is stored in register Y (n213). The result is “NEW BAL××××.
×× OK? ” is displayed and asks if it is OK. If the YES key is operated, it is determined in n217 whether the number of registered registers exceeds 30, and if so, the contents of register Y are transferred to register P.
will be memorized and returned. On the other hand, if the limit has not been exceeded, the contents of register Y are transferred and stored in register P in n219, the contents of register X are registered in register Mn, and the deposit code F is transferred to register P.
Register on Nn. Furthermore, the counter n is incremented. If the NO key is operated on n216, proceed to n220 and select “PLEASE REWRITE”
will be displayed, prompting you to enter the deposit amount again. As described above, the deposit operation in the check mode is completed.

Next, the subroutine in the main routine in Figure 7
The operation when CHA is selected is explained.

Subroutine CHA is executed when purchasing an item with a credit card. FIG. 14 shows a flowchart of this subroutine CHA.

First, a counter n is set to zero at n140. Next, in n141, registers A to E of area MB
The data are compared in size, arranged in descending order, and stored in register W. In this case, the addresses of registers A to E are associated with codes 10 to 14, and the codes are stored in register W. In Figure 15, n
An example of the set state of the register W when executing step 141 and sorting the registers in ascending order of charge is shown. When the reordering is finished at n141, the next step is to register A~ specified by the counter n at n142.
The charge of any one of the registers E is displayed, and an inquiry is made as to whether the card corresponding to the charge is designated as a card whose cumulative usage amount can be updated and managed (whether that card is to be used or not). If the YES key is operated, the user is prompted to input the purchase amount, and the purchase amount stored in register X at n146 is added to the charge, and the addition result is stored again in register X (n147). Then, the new charge is displayed on n148, and the user is prompted to confirm whether or not the new charge is correct. If the YES key is operated, the new charge is memorized as the cumulative amount of the card used and returns to the original state. Also on n149
If the NO key is operated, “PLEASE
REWRITH” is displayed, and the process returns to n149 and n143 to enter the purchase amount again.Meanwhile, n1
If the NO key is operated in step 43, proceed to n144,
The counter n is incremented to designate the register (any one of A to E) storing the next largest charge. And that charge is n142
and inquire whether to use the card corresponding to the displayed charge. As described above, each charge corresponding to the five types of cards is displayed in order from the smallest charge, and when the appropriate charge is displayed, the operator
If you operate the YES key, the card corresponding to the displayed charge will be specified. When a card is specified, steps n145 to n151 are executed as described above, and the operation of the subroutine CHA is completed.

When the card payment processing routine PAY is selected in the main routine of FIG. 7, the flowchart of FIG. 16 is executed.

First, the counter n is set to 4 at n155. Subsequently, at n156, the registers A to E are rearranged in the same way as n141 above. Next n157
The charge in the register (any one of A to E) designated by counter n is displayed, and an inquiry is made as to whether or not to use the card corresponding to the displayed charge. If the card is not to be used, the operator operates the NO key. When the NO key is operated, the process advances from n158 to n159, decrements the counter n, and specifies the next register. Through the above operations n155 to n159, the charge is displayed in descending order of charge, and when the operator presses the YES key when the appropriate charge is displayed, n158→n160
Proceed to. n160 displays "WRITE CHECK?" to inquire whether payment should be made by check. If that is the case and the YES key is operated, the process advances to n162 and the subroutine WS described above is executed.
is executed. In addition, if payment is made in cash, n1
Proceeding to step 63, "ENTER AMOUNT" is displayed to prompt the user to input the amount, and subroutine E6 is executed to store the amount in register X. At the stage when n162 or n164 is executed, the payment amount is stored in register X, so that amount is subtracted from the cumulative amount on the card and the subtracted amount is stored again. Then, display the new charge and return.

Next, the operation when subroutine REC is selected in the check mode in the main routine of FIG. 7 will be explained. In this subroutine REC,
Data registered in Area MA and Area MC
The deposits and withdrawals are verified against the balances stored in registers O and P.

FIGS. 17A and 17B show a flowchart of the subroutine REC.

First, counters d and b are reset at n170. Next, the opening balance is displayed at n171, and an inquiry is made as to whether this is acceptable. If the operator has a statement of deposits and withdrawals sent from the bank at that time, the opening balance displayed can be calculated by comparing it with the opening balance written on the statement. You can check whether it is correct. If it is not correct, i.e. NO
If the key is operated, proceed to n173,
"PLEASE REWRITE" is displayed, the correct opening balance is input at n174, and the contents are stored in register O (n175).
If the YES key is operated on n172, n176
The contents of register O are also temporarily transferred to register Y. The determination of n=d+b at n177 is to check whether the RECONCILE is completed, and since d+b=0 at first, the process advances to n178. At n178, it is determined whether the contents of register M specified by counter b are F. If this content is F, that code is a VOID (cancellation) code, so proceed to n179, display that the check No. registered in Nb has been canceled, and inquire whether this is OK. do. If the YES key is operated, proceed to n189,
Clears registers Mb and Nb specified by counter b, shifts specified registers M and N by one line, further increments counter d, and returns to n177. If the NO key is operated at n180, the process advances to n188, increments the counter b, and returns to n177.

On the other hand, in n178, the register Mb specified by counter b is the F code, that is, VOID (cancellation).
If it is not the code, the process proceeds to n181, and it is then determined whether the register Nb is the F code, that is, whether the deposit code is registered. If so, the process advances to n182, where the amount registered in the register Mb at that time, that is, the deposit amount, is displayed and an inquiry is made as to whether it is correct. If the YES key is operated, n
At step 185, the deposit amount is added to the contents of register Y and stored in register Y again. If the registration code of register Nb is not F in n181, n18
Proceed to step 3 to display the data stored in registers Nb and Mb, ie, the check number and check amount, and make an inquiry as to whether the payment has been made correctly. If the YES key is operated, n1
At step 87, the check amount is subtracted from the contents of register Y. And in n189, that register Nb,
Mb is reset, and its registers M and N are further shifted by one row. If the NO key is operated at n186, the counter b is incremented at n188 and the process returns to n177. As above, register Y
If the deposit amount is registered, add the deposit amount from the opening balance stored in n176, or subtract the amount if a check has been written, and update the contents of register Y sequentially using I will do it. Then, at n177, when n=d+b, that is, all the additions and subtractions of the registered data have been completed, the process advances to n190 in FIG. 17B.

At n190, the contents of counter b are transferred to counter n in preparation for the next time a check is written or deposited. And “ENTER CHARGE” on n191
is displayed, prompting you to input the charge from the bank, and
At step 192, the charge input to register X is subtracted from the contents of register Y, and further subtracted from the current balance of register P. Furthermore, "ENTER INTEREST" is displayed at n194 to prompt the input of interest, and the interest inputted to register X at n195 is added to the contents of register Y at n196, and also added to the current balance of register P. In this way, the final amount calculated in register Y is displayed as "NEW BAL××××.×× OK?" (n197) and an inquiry is made as to whether this is acceptable.
In other words, the user is prompted to confirm whether the month-end balance display is correct. If the YES key is operated, the data is stored in register O as the opening balance for the next month. If the NO key is operated, "PLEASE REWRITE" is displayed at n200, and the correct value is input into register X at n201.
Store the contents in register Y at n202 and
Return to 197. The process proceeds from n198 to n200 when the area MA is full and more registration items have been added, when there is an omission in the input, or when the bank makes a mistake. Therefore n
When proceeding from 198 to n200, if the memory becomes full and the number of registered items increases, add or subtract the data, and if there is an input omission at any stage, add or subtract the input omission. For example, you can match the deposit and withdrawal statements from your bank. Furthermore, if the numbers do not match despite this, you can know that a mistake has been made at the bank.

As described above, in RECONCILE mode, it is possible to easily check the registered data up to now and accurately check deposits and withdrawals based on the opening balance.

In addition, the "credit card designation means" of the present invention
corresponds to n143 in FIG. 14, n158 in FIG. 15, and the YES key.

On the other hand, when purchasing products with a card, n1
40 to n143, the charge is displayed in order from the smallest to the lowest, and when the appropriate charge is displayed,
If you press the YES key, the card corresponding to that charge will be designated as a credit card that allows you to update and manage the cumulative usage amount, so you can easily specify the most appropriate card to balance the charge of each card. You can. Similarly, when making a payment, the charges are displayed in order from n155 to n158, starting with the largest charge, and when the appropriate charge is displayed, pressing the YES key will specify the card corresponding to the displayed charge. Therefore, it is possible to easily specify the most suitable card for payment at present.

[Brief explanation of the drawing]

FIG. 1 is an external view of a deposit/withdrawal management device according to an embodiment of the present invention. FIG. 2 shows an example of the display state on the display 2 of the deposit/withdrawal management device. FIG. 3 shows the display state when determining the operating mode of the device. FIG. 4 shows the display state displayed when any one of the five types of credit cards A to E is specified. FIG. 5 is a block diagram of the same device. Figure 6 shows the RAM22 of the same device.
This is a memory map of the main parts of. FIG. 7 is a flowchart of the main routine in the control program of the device. FIG. 8 is a flowchart of the initialization subroutine. FIG. 9 is a flowchart of subroutine E6. FIG. 10 is a flowchart of subroutine HI. 11th
Figure A is a flowchart of subroutine WCK. FIGS. 11B and 11C are flowcharts of the light check processing subroutine WS. Figure 11D
is a flowchart of subroutine nc. FIG. 11E is a flowchart of subroutine cc. FIG. 12 is a flowchart of subroutine E4. FIG. 13 is a flowchart of subroutine DEP. Figure 14 is a subroutine
This is a flowchart of CHA. FIG. 15 is a diagram showing an example in which codes corresponding to each register are stored in register W in order so that the registers A to E are arranged in order from the smallest charge. FIG. 16 is a flowchart of the card payment processing subroutine PAY. Figure 17A,
B is a flowchart of subroutine REC. Area MA...Storage means for registering transaction information, Area MC's O...Register for storing opening balance (previous month carryover amount), Area MC's P...Register for recording current balance (current balance), Area
MC's Q...Register for storing the minimum balance (minimum deposit balance), Area MC's R...Register for storing the last check number (last check number).

Claims (1)

[Claims] 1. An input key for inputting the purchase amount of products using multiple credit cards, a cumulative usage amount storage means for storing the cumulative usage amount of each credit card, and a storage means for storing the cumulative usage amount corresponding to the card used each time the product purchase amount is input. When inputting the product purchase amount, the cumulative amount is displayed in order from the smallest cumulative amount of each card, and when making a payment, the cumulative amount is displayed in order from the largest cumulative amount of each card. Cumulative usage of a credit card, comprising means for displaying the cumulative amount, and credit card designation means for specifying a desired credit card as a credit card that allows update management of the cumulative usage amount while sequentially displaying each cumulative amount. Forehead management device.