WO1995002871A1 - Card processor with interlock processing function - Google Patents
Card processor with interlock processing function Download PDFInfo
- Publication number
- WO1995002871A1 WO1995002871A1 PCT/JP1994/001167 JP9401167W WO9502871A1 WO 1995002871 A1 WO1995002871 A1 WO 1995002871A1 JP 9401167 W JP9401167 W JP 9401167W WO 9502871 A1 WO9502871 A1 WO 9502871A1
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- WO
- WIPO (PCT)
- Prior art keywords
- card
- processing
- point
- function
- prepaid
- Prior art date
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/343—Cards including a counter
- G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
- G07G1/145—PLU-management
Definitions
- the present invention is one device, credit card, prepaid card, cash card settlement process and a point service (when selling goods, a service ticket is issued at a fixed ratio to the payment amount, When the total amount reaches a predetermined value, a card processing device capable of refunding the amount of money corresponding to the predetermined amount to the customer) continuously processes related functions of these multiple functions.
- the present invention relates to a card processing device capable of updating the record of the host device.
- the cards used in these card processing units are those that can perform multiple functions such as settlement and point processing with one card. Multiple functions with multiple cards There are those that enable processing, and those that can only perform processing such as settlement processing alone.
- card processing devices that support such a wide variety of applications are completely different as a means of improving services and promoting the use of card users.
- Various attempts have been made to make it possible to use it between different fields and to incorporate other additional service functions.
- the prepaid processing and the point service are processed independently of each other, and you want to issue points according to the amount paid in the prepaid processing.
- the prepaid process is finished and the prepaid card is ejected, this time insert the point card for point processing, enter the payment amount again, process the point, and issue the point. is doing.
- the card processing is performed.
- the device collects the collected items and returns the amount and product according to the collected amount to the customer as a bonus present.
- Japanese Patent Laid-Open No. 4-70993 proposes a system that can perform prepaid, credit, and point processing with a single card, but specific means from the viewpoint of automation and labor saving are proposed. It has not been. Disclosure of the invention
- the present invention has been made in view of such circumstances, and in order to improve service and improve work efficiency by a card processing device that exhibits multiple functions, the related functions are continuously processed to be multi-functional. Automating corresponding functions-By providing a system, it is to provide a powerful processing device that enables simple and quick business processing.
- FIG. 1 is a schematic view of a card processing device according to the present invention.
- a first aspect of the present invention is, in a power processing device having a prepaid processing function and a void processing function, an identification means 7 for identifying the function of the card according to the type of the card, and an identification of the identification means 7. Equipped with a judging means 8 for judging a function capable of interlocking processing in accordance with the result, and a calculating means 1 for carrying out an arithmetic operation based on the judgment result of the identifying means 7 and / or the judging means 8. Are configured to be processed in conjunction with each other.
- the function capable of performing the interlocking process is a point delivering function
- the identifying means 7 is configured such that the read card is a dedicated prepaid card, or the prepaid card and the point card are separated.
- the computing means 1 does not eject the card when the combination card is used and continues to the point after the settlement process without discharging the card. It is configured to perform a delivery process.
- the function capable of performing the interlocking process is a point cashing process
- the determining means 8 determines whether the cumulative number of points of the customer has reached a predetermined score
- the calculating means 1 is configured to perform a cashing process of writing an amount of money corresponding to the predetermined score into the bottle card.
- a fourth invention is a card processing device having a bank P0S function and a point processing function, in which the function of the card is identified according to the type of the card.
- the fifth aspect of the present invention is the fourth aspect of the present invention, wherein the point processing is configured so as to perform the point processing after the bank P0S processing, and the point processing function is a point granting function.
- the above-mentioned identification means 7 is a card for which the read card is a cache-only card, a card for which the cash card and the point card are separate, or a card for which the cash card and the point card are used in combination.
- the computing means 1 is configured to carry out the point granting process following the settlement process without discharging the card when the card is a combined card.
- the interlockable function is a point cashing process
- the determination means 8 determines whether or not the cumulative number of points of the customer has reached a predetermined score
- the arithmetic means 1 is configured to perform a cashing process of writing an amount corresponding to the predetermined number of points into the point card.
- the function capable of performing the interlocking process is a transfer process of a bonus to a customer account, and the judgment point 8 has reached a predetermined point of the cumulative points. If it is determined that the calculation means performs the cash processing of the amount corresponding to the predetermined score, the communication means 9 is configured to transfer the converted amount to the customer account.
- An eighth invention is configured such that, in the second or fifth invention, in the point delivery of the point service, the point delivery rate can be arbitrarily set for each object.
- the data updated in the point grant and the point cashing process is: It is configured so that it is also recorded in the host device that manages the data.
- a tenth invention is a card processing device having a prepaid processing function, a point processing function, and a bank P0S function, and an identifying means 7 for identifying the function of the card according to the type of card,
- the pre-payment is provided with a judging means 8 for judging a function capable of interlocking processing according to the discrimination result of the discriminating means 7, and a computing means 1 for carrying out arithmetic processing based on the discrimination result of the discriminating means 7 and / or the judging means Following a card or cash card transaction, it is configured to perform point card linked processing.
- the eleventh invention is the card processing device of the tenth invention, wherein it is determined whether or not the cumulative number of points of the customer's point card has reached a predetermined score, and when the predetermined number of points is reached. If so, the calculation means 1 calculates the amount corresponding to the predetermined score, writes the amount equivalent to the score in the pre-card, or executes the cash processing in which the amount is transferred to the customer account. To be configured.
- a twelfth aspect of the present invention is the card processing apparatus according to the tenth aspect of the present invention, wherein when the function used at the time of transaction is a prepaid function, the point equivalent amount is prepaid. It is configured to write to a card and transfer to a customer account if it is a bank P0S function.
- the point service is the most common in card transactions, and if the point service can automatically input the last transaction data, the operator's load will be significantly reduced.
- the results of the point service can be automatically recorded in the customer's account such as a card, host computer, bank, etc., it is not necessary to issue a receipt or slip to the customer, so trouble with the customer is eliminated. Can be prevented Therefore, the burden of complicated business processing associated with the issuance of a full-scale recipe can be reduced. Therefore, the present invention continuously processes such related business under a consistent system and simplifies business processing. For efficiency o
- the card processing apparatus of the present invention continues to carry out the data of the settlement processing when the settlement is completed during the card transaction, and provides the point delivery service according to the function of the card. It is a thing. That is, when a card is inserted into the card processing device, the card information is read by the reading means 2 while the card is being sucked into the reading / writing device 11 and the card is read by the identifying means 7. The required data is stored according to this function, the processing means 1 processes according to the amount purchased by the customer, and the required data such as the purchase amount is stored in the storage unit. Then, the settlement process is ended.
- the point service program is started, and based on the result identified by the identification means 7, if the prepaid card and the point card are different, Eject the bed card and reinsert the point card.
- the reading means 2 reads the cumulative value of the points on the magnetic stripe of the card, and the computing means 1 calculates the point value according to the current sales amount and adds it to the cumulative point value. Then, write the new accumulated point value updated by the writing means 3 into the point area of the card and discharge the command.
- the card is automatically linked according to the function of the card. It can be divided into treatment and single treatment.
- a judgment process is added to the read card to see if there is a point area, and if linked processing can be performed in the same card, the card should not be discharged and the subsequent process should be performed. This eliminates the waste of having to read the card twice.
- point cashing processing is performed. That is, when the point delivery service ends, the judging means 8 checks whether or not the cumulative number of points has reached the predetermined number of points, and if it has reached the predetermined number of points, This is automatically determined, the predetermined number of points is converted into a monetary amount, and this is added to the prepaid area of the card.
- FIG. 1 is a schematic explanatory view of the present invention.
- FIG. 2 is a block diagram of the card processing device of the present invention.
- FIG. 3 is an external view of an example of the card processing device and pin pad of the present invention
- FIG. 4 is a configuration diagram of the software of the present invention.
- FIG. 5 shows an example of a prepaid company table corresponding to the prepaid card of the present invention.
- Figure 6 shows an example of a bank table corresponding to the cash card of the present invention.
- FIG. 7 is an example of the card data of the present invention.
- FIG. 8 is a flow chart showing the operation of the first embodiment of the present invention
- FIG. 9 is a flow chart showing the operation of the first embodiment of the present invention (continuation).
- Figure 10 is a block diagram of the bank P0S system.
- FIG. 11 is a flowchart showing the operation of the bank P0S system according to the second embodiment of the present invention.
- FIG. 12 is a flowchart (continuation) showing the operation of the bank P0S system according to the second embodiment of the present invention.
- FIG. 2 is a block diagram showing the overall configuration of a card processing apparatus according to one embodiment of the present invention
- FIG. 3 is an external view of the card processing apparatus. It should be noted that the same or corresponding parts as those of the principle diagram of FIG.
- the card processor main unit is composed of an arithmetic unit 1, an input control unit 21, a print control unit 22, a display control unit 23, a modem 9, a card device control unit 26 and a storage unit 24.
- Input section 4 Display section 5
- Printing section 6 Pin Pad 25
- read-and-write Z-writer 1 1 is connected.
- Reference numeral 1 denotes an arithmetic unit that performs arithmetic processing related to sales and bottle processing and controls the entire card processing device.
- the calculation unit 1 calculates the total sales amount input from the input unit 4, reads the balance data of the card 10 presented by the customer from the reading / writing device 11 and the accumulated points, and calculates the necessary amount. In response, the higher-level device is inquired, and settlement processing and point services are performed.
- the input unit 4 is used by the operator to input necessary information, and can be a keyboard or bar code reader.
- the input unit 4 is used to input required data and conditions regarding the processing function, and requests for processing multiple functions.
- the input control unit 21 controls inputs from the keyboard so as to exert predetermined functions, and controls data transmission / reception to / from the arithmetic unit 1.
- the pin pad 25 (see Fig. 3) is a well-known one for entering the customer's personal identification number in the bank P0S system and the like.
- the printing unit 6 prints the required information such as the product name, unit price, quantity, subtotal of sales amount, total amount, tax amount, accumulated points, etc. on a receipt or small card so that it can be delivered to users. To do. It is possible to visually confirm the content processed in conjunction with this print content.
- the print control unit 22 controls the printing of the printer to send and receive signals between the calculation unit 1 and the printing unit 6 and to issue a recipe.
- the display unit 5 can be a CRT or a liquid crystal display, and displays various input information such as product name, number, unit price, and total amount of money during operation of the card processing device, and also indicates the status of the card processing device. And the required operation are selected, the next step is displayed, etc. Is displayed.
- This display content includes, in addition to the display related to the processing function, a display related to the function to be linked, a display notifying that the linked processing is about to be executed, an error display, and the like.
- the display control unit 23 controls the signal between the display unit 5 and the calculation unit 1, and in addition to the processing of the function, if the content is set in advance, the data related to the other function is also displayed. Further, when the function is executed, it is possible to control the display for interlocking with other functions.
- the modem 9 communicates with the host device for writing / reading and inquiries (including credit investigation), and communication with the host computer such as a shopping district is performed through the device.
- the storage unit 24 is composed of a ROM that stores a program that operates the device, and a RAM that temporarily stores various preset information from the host device, sales and printing information, etc.
- the program stored in the ROM is loaded into the computer, and the arithmetic unit 1 operates according to the program stored in the RAM to control the entire card processing device.
- the storage unit 24 is also used to store sales information and information stored in the card 10, and to temporarily store print data to be printed on the receipt and the card 10.
- a flag (a flag indicating whether or not it is interlocked) for continuously processing the cumulative point processing, and a processing procedure necessary for executing other functions. , And data necessary for these processes are also stored.
- the reading Z writing device 11 performs reading Z writing of information from the magnetic stripe at a predetermined position of the card 10 while passing the predetermined card 10.
- the read magnetic stripe information is transmitted to the force processing unit and It is processed according to a fixed program.
- the reading Z writing device 11 is composed of a card suction / discharge part 27, a reading part 2 and a writing part 3 and is connected to the computing part 1 of the force processing device through the card device control part 26. There is.
- the reading unit 2 is used to read the user's individual identification information held by the card 10, identify the user, and read the transaction information. Such user identification information and transaction information are temporarily stored in the RAM, read out by the computing unit 1 as necessary, and provided for transaction processing.
- the writing unit 3 is also used to record the settlement result and the point value of the transaction processed by the computing unit 1 on the magnetic stripe provided in the card 10. Normally, magnetic processing is performed, but a magneto-optical card using laser light can be used. It is also possible to use visual means such as perforation or printing to inform the usage limit.
- the amount of sales is subtracted from the balance stored in the magnetic part of the card 10 to perform the settlement process.
- the remaining amount of money by this subtraction is rewritten in the card 10 by the writing unit 3.
- the card intake / discharge unit 27 is a well-known unit that intakes / discharges a predetermined card 10 according to a control signal from the arithmetic unit 1 for settlement of transactions and point processing.
- the card device control unit 26 controls the reading unit 2, the writing unit 3, and the card intake / exhaust unit 27 so as to perform their respective predetermined functions, and also controls transmission / reception of data to / from the arithmetic unit 1. It is a thing.
- the force card 10 is a magnetic card having a magnetic stripe.
- the magnetic stripe has a customer ID, a face value, balance information, a date, a cumulative point, an issuing company number, and various other types.
- the customer information of is being stored.
- a magnetic card is used as the card 10 in the present invention, the card 10 is not limited to this, and for example, a portable storage medium capable of reading and Z writing such as an IC card. Anything is acceptable as long as it is.
- FIG. 4 is a software configuration diagram of the present invention.
- a “data comparison processing” 72 that compares the preset file with the company code of the card issuing company.
- a “granting rate reading process” 74 that reads the point granting rate for each company, and a “collection rate reading process” 73 that reads the cash conversion standard at the time of full score points.
- interlocking grant calculation 76, which calculates the number of point grants according to the transaction volume, and the amount of money to be redeemed from a predetermined score at the time of full point “Interlocking collection calculation” 77 is provided.
- prepaid area writing 75 that adds and writes the redemption amount at the time of full point to the prepaid area, and whether the point service activation source is prepaid card or cash card, for example.
- startup source judgment 78 to judge whether it is a command or not.
- the point processing is started “Startup processing” 70, and when starting the point processing, the payment amount for the prepaid transaction is input from the input unit 4 of the card processing device.
- a “payment amount and emission flag” 79 is provided, which uses the entered value and the judgment flag indicating whether or not the card 10 is emitted as data, to be carried over to the point processing.
- Fig. 5 is a diagram showing an example of the structure of a prepaid company table in the case where a plurality of functions for point delivery are successively processed after the prepaid card processing.
- the company code is the code number of the company that issued the card
- the company-specific printing data is the company name of the company that issued the card
- the group number is the group number attached to the card of the same series. is there.
- the preset area is provided with the terms of the linked availability flag, linked delivery rate, and linked collection rate.
- the flag indicating whether or not the point processing is linked for each prepaid company is 0 for single processing, 1 for prepaid card and point card separately, and 2 for total P0S card (one. It is stipulated that there are three payment methods such as credit, bank P0S, prepaid, and point service can be received on one magnetic card, and the operation unit is read by reading this interlockability flag. Judgment is made by 1 and the required message is displayed on the display device 5 and arithmetic processing is performed.
- Figure 6 shows an example of a bank table in the case of point delivery following cash card processing.
- Company code has the power
- the code number of the company that issued the card, the company-specific print data is the company name of the company that issued the card, and the group number is the group number attached to the cards of the same series.
- an interlock enable / disable flag is set to set a flag indicating whether or not to perform interlocking processing of multiple. Depending on the state of the flag, it is decided whether to perform linked processing or independent processing.
- This bank table is stored in the host device and is transferred to the terminal device by inquiry processing.
- whether or not the inserted card 10 is the comprehensive P0S command is determined by whether or not the card 10 into which the reading unit 2 is inserted has a point area. Is done by reading.
- Figure 7 shows an example of cash card data.c
- This card contains data such as membership number, PIN, and expiration date, as well as a flag indicating whether or not multiple functions are to be linked. It is configured so that a linked availability flag for setting is set and whether linked processing or independent processing is determined according to the state of this flag.
- FIGS. 8 and 9 are flow charts of the first embodiment showing the operation of the card processing device with the interlocking function of the settlement process and the point issuing process. The operation of the interlocking process will be described below with reference to FIGS. 8 and 9.
- the card 10 When the transaction is started, the card 10 is first inserted into the reading / writing device 11, the required data is read by the reading unit 2 (step S 11), and stored in the RAM unit of the storage unit 24.
- This read data includes, for example, user ID, usage balance in the case of prepaid card, cash service usage limit, expiry date, type code of available system, etc.
- the inserted card 10 is then checked for availability (step S.12). That is, for example, the company code of the issuing company and the card processing device recorded in the prepaid card in the card 10, or the company code stored in the prepaid issuing company table of the higher-level device (see FIG. 5). Is compared with the code.
- step S15 if the data of the company code does not match, it is a card that cannot be used in that store, so that fact is displayed on display unit 5, card 10 is discharged, and the process for the customer is completed. Yes (step S15).
- the operator inputs the data such as the type of product purchased by the customer, the code, the unit price, and the number of products in order to settle the transaction from the input section 4 (step S13).
- the input transaction data is sequentially registered in the RAM section of the storage section 24, and then the calculation section 1 obtains the cumulative sales amount (step S14).
- a keyboard can be used for inputting these data, and an automatic reading device such as a bar code reader that reads the bar code added to the product or listed in the table is also used.
- Step S16 The input is finished by pressing the end key.
- step S 16 yet returns to the step S 13 if the input sales item has not been completed, relay continues further input of sales items Omicron 0
- the inquiry processing of the card is performed subsequently.
- Step S17 That is, in the case of prepaid cards, Inquires the system managed by the host device to check the customer's ID and the expiration date of the card, and in the case of cash card, makes an inquiry including credit investigation to the host, Based on this, Card 10 is judged to be effective.
- the customer's point is checked, and if the cumulative number of points reaches a predetermined score, the upper level device notifies the terminal by a message from the upper level device to the terminal.
- the prescribed display is displayed on the display unit 5, the card 10 is discharged (step S21), and the process ends.
- step S17 if the inserted card 10 is usable, then it is checked whether or not the transaction is successful (step S18). That is, in the case of a cash card, an inquiry including a credit check is performed, and in the case of a prepaid card, the balance is read from the storage unit 24 to confirm whether there is sufficient balance.
- Step S21 The process is ended.
- step S19 card settlement is performed (step S19). That is, the writing unit 2 reads the transaction data from the storage unit 24, writes the required data such as the product code and unit price of the traded item together with the date, time and sales amount into the card 10 and the amount of the card 10 Update (reduce) and end the payment.
- step S20 it is examined whether or not the linked processing of the point processing and the settlement processing is possible (step S20).
- the method of this determination is the preset table. There are two methods, one is to judge whether the interlocking process is possible by checking (0 indicates no interlocking and one indicates interlocking), and a method to judge whether the interlocking process is possible by looking at the interlocking flag of the data in the card 10.
- the pre-paid single process is the same as before, so the card 10 is discharged (step S21) and the process ends.
- step S22 it is checked whether or not the relevant card 10 is a card that is also used as a point card. This judgment is made based on whether or not there is a point area on the same card.
- the card 10 is not discharged and the process proceeds to the next process as it is.
- the force 10 being inserted is discharged (step S23) and the process proceeds to the next step.
- the point processing program is started using the presence or absence of card 10 emission and the payment amount as the transfer data (step S24), and the point delivery rate of the preset file and the recovery rate are set. Is read out and stored in the RAM section of the memory section 24 (step S25).
- step S26 it is checked whether or not the card 10 has been sneaked. If the card 10 is inserted, the point data is read (step S28).
- step S27 if the card 10 has been discharged, the boyt card is inserted (step S27), and the point data is read (step S28).
- step S 28 the calculation process for issuing the point is performed (step S 28) «That is, in order to calculate the issue of the point, purchases taken over from each activation source (indicating prepaid process or bank P0S process)
- the number of points issued is calculated from the amount data and the point issuance rate stored in RAM (see Figure 6) (step S29), and the point data of card 10 is updated (step S30). You can update the point data by using the host It may be managed by Yuyu.
- step S31 After updating the point data in step S30, it is checked whether or not the cumulative point value has reached a predetermined service point (step S31). If the cumulative point value does not reach the predetermined point, the "full point service" is not established, so the card 10 is discharged (step S38), and the process ends.
- step S31 if the cumulative number of points has reached the predetermined service point in step S31, the point recovery rate stored in RAM is multiplied by the reference amount to obtain the redemption amount (step S32). ).
- step S33 the number of points corresponding to the exchange amount is subtracted from the total number of points, and the point data of the host device is updated as required (step S33).
- step S34 it is checked whether the inserted card 10 is the total P0S card, that is, whether the prepaid credit and the point processing are used together. Then, in the case of the total P0S card, the prepaid area of the card 10 is updated (step S37).
- step S32 the redemption amount obtained in step S32 is added to the balance of the prepaid card, or the customer's bank account is credited and the power 10 is discharged (step S38). The process ends.
- step S35 the point card 10 is discharged (step S35), the prepaid card is inserted (step S36), and the prepaid area of the card 10 is updated. Perform (step S37), discharge the card 10 (step S38), and end the process.
- the prepaid card is described as an example, but the credit
- the same process can be applied to a touch card or a cash card.
- this device it is possible to use the conventional single processing type card, the card with separate prepaid card and point card, and the integrated P0S card.
- the service point is automatically issued and the "full point" process is performed subsequent to the settlement process. Therefore, the card discharge and recharge, the operator It is possible to reduce the time uneconomical associated with the re-entry of data. Therefore, it can help to reduce the congestion of cashiers when the stores are crowded and contribute to the improvement of services.
- the preset contents can be displayed and printed.
- FIG. 10 is a block diagram of a bank P0S system having a function capable of automatically performing the point service of the second embodiment.
- This device is based on the configuration of the card processing device of the first embodiment and is equipped with a pin pad 25 for collating a personal identification number and a modem 9 as a communication means, and is automatically operated through a host computer such as a shopping street. It is configured to transfer money to and debit customers' bank accounts.
- the card processing device of the present invention is a single card like the general P0S card in addition to the cash card and the point card, and can read and write the card that can be used as both the cash card and the point card. It has a reading unit 2 and a writing unit 3 that can be used.
- the discriminating unit 7 in the arithmetic unit 1 discriminates whether the force card 10 read by the reading unit 2 is a cash card or a general P0S card which can also be used for point trading. This identification is judged by whether or not there is a void area in the relevant card 10.
- the password code From the preset item of the card processing unit, and reads out the information (flag) (flag) (see Figure 6) that is set for the bank code of the corresponding bank. If it is “with linkage”, when the transaction by the bank P0S is completed, the amount will continue and the point processing will be performed.
- 11 and 12 are flow charts of the second embodiment showing the operation of the card processing device of the bank P0S.
- the operation of the bank P0S system will be described below with reference to Figs.
- the transaction is started by the operator selecting and pressing “Bank P0S business” on the keyboard (step S 41), which activates the bank P0S function.
- the customer's cache card is inserted into the reading / writing device 11, and the required data is read by the reading unit 2 (step S 42) and stored in the RAM unit of the storage unit 24.
- This read data exists, for example, in the user ID, bank number, cache service usage limit, expiration date, type code of available system (JIS # 8 card data in case of general P0S card).
- the code means prepaid only (1), point only (2), prepaid and point combined (3), etc., so that it can be used for prepaid work and stamp work. It is used as a part of the judgment).
- the data not only the data necessary for the processing function, but also the data for other preset functions can be read.
- step S43 it is examined whether the inserted target banks of card 10 can handle the linkage of the bottles (step S43). This is performed by searching the bank availability flag of the bank in the bank table stored in the memory unit 24 of the card processor.
- Step S 45 If the interlocking process is not possible, proceed directly to step S45. Then the inserted card 10 is checked to see if it is the overall P0S card. (Step S 45). This is to avoid having to reload the card when the card used is the general P0S card when the point work is linked.
- the flag indicating "point card inserted" is set in the memory of the card processing unit (step S46).
- step S47 the operator inputs the personal identification number with the pin pad (step S47), and then enters the amount of the product purchased by the customer using the keyboard 4 (step S48).
- the entered transaction data is stored in the RAM of the storage unit 24.
- the data input in step S48 is edited into a message on the memory and automatically sent to the telephone number set in the terminal via the modem, and the Perform inquiry processing including investigation (step S51) and obtain debit authorization.
- the destination to connect the telephone here is the shopping mall host computer.
- the shopping mall host computer that receives the call connects the telephone to the host computer of the corresponding bank.
- There are two ways to do it card is given priority), and only card is used for management. No notification from host is required if managed by card.
- the shopping center host computer notifies that fact.
- step S52 it is checked whether the transaction is successful (step S52).
- the card processing device which received the message "transaction completed" from the bank via the shopping mall host computer, processes the withdrawal from the specified account, and the printing unit 6 prints the transaction completion slip. It prints and ends the transaction, and then performs point processing.
- step S52 if the transaction is unsuccessful in step S52, that is, if the message "transaction unsuccessful” is received from the shopping mall host computer, the predetermined display is made and the printing unit 6 displays "Transaction unsuccessful slip.” Is printed (step S54), the card 10 is ejected (step S68), and the process ends.
- step S55 it is checked whether or not the interlock process flag is set. If the interlocking flag (for determining whether or not to interlock with stamp operations) is not set, point processing is not performed, so card 10 is discharged (step (P S 68) End the process.
- step S56 it is checked whether or not the point card has been inserted. This is It is determined by the presence or absence of the flag set in step S46.
- step S57 If the point card has been inserted, proceed directly to the next process, but if not inserted, eject the cash card 10 that is currently inserted (step S57), and then move the point card. Insert (step S 58) and proceed to the next step.
- step S59 means the purchase amount stored in RAM and the point-linked delivery rate on the preset file (how many times the delivery is performed by the stamp function. The number of delivery points is calculated from
- step S60 the purchase point value this time is added to the point value recorded in card 10 (step S60). That is, the number of points obtained in step S 59 is added to the point accumulation area of the card 10 in the read / write device 11.
- the judgment unit 9 in the calculation unit 1 checks whether or not the cumulative number of points has reached a predetermined score (step S61). If the number of points has not been reached, the card 10 is discharged (step S68), and the point processing ends.
- step S62 calculate the amount of money corresponding to the number of points, create a message, store it in the memory (step S62), and connect the modem. Automatically send to the shopping center host computer via (step S62).
- the shopping mall host computer receives the message from the card processing unit and inquires to the computer of the corresponding bank, and the amount corresponding to the number of service points is automatically transferred to the customer account of the bank. (Step S63). Next, the establishment of the point service is confirmed (step S 64) That is, the confirmation of the establishment of the point service is made by the shopping mall host computer receiving the message from the bank and transferring it to the card processing device. This is done by sending a message of completion.
- the card processing unit Upon receiving the transfer completion message from the shopping center host computer, the card processing unit subtracts the number of points serviced this time from the cumulative number of points in the point card 10 (step S65), and prints. Part 6 prints the service completion slip (step S66) and ejects the card 10 (step S68).
- the operator gives the point card and the discharged card 10 to the customer and ends the process.
- the reason for the failure is displayed on the display section 5, and the printing section 6 prints the slip of the service failure (step S67) and ejects the card 10 (step S68). ), End the process.
- one card processing device can perform both bank P0S transaction and point processing, and further, the point is automatically issued and the point is given to the bank P0S transaction.
- the transfer of the “full points” to the customer's account and the deduction of the point power point are automatically performed, so the operability of the bank P0S system is improved. Is significantly improved.
- the prepaid processing and the point grant processing are performed according to the type of card. It is possible to perform linked processing with. Therefore, it is easy to operate, helps to reduce the congestion of cashiers at the time of store congestion, shortens the waiting time for customers, and contributes to the improvement of services.
- the store side can also link stamp operations with the bank P0S, making it easier to operate (the number of key touches and card insertions will decrease). Furthermore, if they do not work together, the settings can be changed for each bank, allowing flexible response to customer needs.
Description
Claims
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP94921103A EP0668581A4 (en) | 1993-07-16 | 1994-07-15 | CARD PROCESSOR WITH PROCESSING FUNCTIONS INTERLOCKED. |
KR1019950701029A KR100196541B1 (ko) | 1993-07-16 | 1994-07-15 | 연동처리 기능 부 카드처리 장치 및 그 방법 |
US08/403,739 US5659166A (en) | 1993-07-16 | 1994-07-15 | Card processor with interlocked processing function |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP17691893A JPH0737147A (ja) | 1993-07-16 | 1993-07-16 | 連動処理機能付きカード処理装置 |
JP5/176918 | 1993-07-16 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1995002871A1 true WO1995002871A1 (en) | 1995-01-26 |
Family
ID=16022045
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/JP1994/001167 WO1995002871A1 (en) | 1993-07-16 | 1994-07-15 | Card processor with interlock processing function |
Country Status (5)
Country | Link |
---|---|
US (1) | US5659166A (ja) |
EP (1) | EP0668581A4 (ja) |
JP (1) | JPH0737147A (ja) |
KR (1) | KR100196541B1 (ja) |
WO (1) | WO1995002871A1 (ja) |
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EP0736849A1 (fr) * | 1995-04-07 | 1996-10-09 | Marketlink | Dispositif et procédé de traitement d'informations codées pour code à barres et carte à puce |
KR20000050226A (ko) * | 2000-05-29 | 2000-08-05 | 홍성구 | 선불카드 발행 및 인식시스템과 이를 위한 방법 |
US6449684B1 (en) | 1998-04-01 | 2002-09-10 | Catuity, Inc. | Data carrying device and systems for use therewith |
WO2003030048A1 (fr) * | 2001-09-28 | 2003-04-10 | Sony Corporation | Carte a circuit integre et procede d'operation de cette carte a circuit integre |
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FR2724036B1 (fr) * | 1994-08-31 | 1997-01-03 | Gemplus Card Int | Lecteur de carte pour machine de jeux. |
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US6738749B1 (en) | 1998-09-09 | 2004-05-18 | Ncr Corporation | Methods and apparatus for creating and storing secure customer receipts on smart cards |
WO2001031548A1 (fr) * | 1999-10-07 | 2001-05-03 | Fujitsu Limited | Procede de transaction et systeme de transaction |
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KR20030008771A (ko) * | 2001-07-20 | 2003-01-29 | 케이비 테크놀러지 (주) | 복합 카드를 이용한 캐시-백 서비스 제공시스템 |
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JP2015056107A (ja) * | 2013-09-13 | 2015-03-23 | 東京急行電鉄株式会社 | ポイントシステムおよびポイント付与方法 |
CN106570988A (zh) * | 2016-11-22 | 2017-04-19 | 南京鸿兴达科技信息有限公司 | 多媒体综合营销系统 |
CN106780035A (zh) * | 2017-01-09 | 2017-05-31 | 天津市思托科技有限公司 | 用于云计算的指标公式处理方法、计算方法、处理装置和计算系统 |
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Cited By (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0736849A1 (fr) * | 1995-04-07 | 1996-10-09 | Marketlink | Dispositif et procédé de traitement d'informations codées pour code à barres et carte à puce |
FR2732801A1 (fr) * | 1995-04-07 | 1996-10-11 | High Co | Dispositif et procede de traitement d'informations codees pour code a barres et carte a puce |
AU711297B2 (en) * | 1995-04-07 | 1999-10-07 | Welcome Real Time | Device and method for processing coded information for barcode and chip card |
US6449684B1 (en) | 1998-04-01 | 2002-09-10 | Catuity, Inc. | Data carrying device and systems for use therewith |
US6532518B2 (en) | 1998-04-01 | 2003-03-11 | Catuity, Inc. | Data carrying device and systems for use therewith |
KR20000050226A (ko) * | 2000-05-29 | 2000-08-05 | 홍성구 | 선불카드 발행 및 인식시스템과 이를 위한 방법 |
WO2003030048A1 (fr) * | 2001-09-28 | 2003-04-10 | Sony Corporation | Carte a circuit integre et procede d'operation de cette carte a circuit integre |
US6962286B2 (en) | 2001-09-28 | 2005-11-08 | Sony Corporation | IC card and IC card operation method |
Also Published As
Publication number | Publication date |
---|---|
EP0668581A1 (en) | 1995-08-23 |
EP0668581A4 (en) | 1996-03-13 |
US5659166A (en) | 1997-08-19 |
JPH0737147A (ja) | 1995-02-07 |
KR100196541B1 (ko) | 1999-06-15 |
KR950703774A (ko) | 1995-09-20 |
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