JPH02212995A - Payment processor - Google Patents

Abstract

PURPOSE:To increase the using frequency of one card and to easily execute change processing by preventing an amount more than a temporary payment limit amount set to the card from being paid by one time of payment and paying only the amount of a fraction in a payment amount computing means by the card. CONSTITUTION:The amount information of the card are read by a reading/writing means 2 and the total amount is computed by a total amount computing means 3. In a fraction calculating means 4, the amount of the fraction more than the temporary payment limit amount, which is set to the card in advance, or the amount less than the amount information of the read card is calculated out of the computed total amount. In a subtracting means 5, the amount of the fraction calculated by the fraction calculating means 4 is subtracted from the amount information of the read card and defined as new amount information. Then, these new amount information are written to the card by the reading/writing means 2. On the other hand, in a printing means 7, the amount, which is computed by a payment amount computing means 6, to be paid by the other means excepting for the card and the fraction, which is calculated by the fraction calculating means 4, to be paid by the card, are printed. Thus, the using frequency of one prepaid card can be increased and the change processing can be easily executed.

Description

[Detailed Description of the Invention] [Object of the Invention] (Field of Industrial Application) The present invention provides payment using a card 11!11! l! Concerning fraud.

(Prior Art) Traditionally, payments for the sale of goods and change have been made by giving and receiving money, regardless of the amount, and large supermarkets in particular have to prepare large amounts of coins in advance. Furthermore, in the payment and change delivery operations, it is complicated to use low denomination coins.

Furthermore, for customers, low denomination coins may feel inconvenient,
I feel it is heavy considering the amount.

And in recent years, the handling of money transfers, especially low denomination coins, etc.! In order to eliminate the clutter, the sale of goods using prepaid cards has been developed.

(Problem to be solved by the invention) However, with conventional prepaid cards, in the case of goods sales businesses where the unit purchase price per purchase is high, the prepaid card can be used up in a small number of times, and the cost related to card issuance and the premium cost. Therefore, it is difficult to issue prepaid cards, so there is a desire for a prepaid card that can increase the number of times a single card can be used.

The present invention has been made in view of the above-mentioned problems, and an object of the present invention is to provide a payment processing device that can increase the number of times a single prepaid card can be used and that can easily process change.

[Structure of the invention]

(¥ column for solving the problem) The payment processing device of the present invention includes a card storing amount information, a reading/writing means for reading the amount information of the card and writing the amount information, and a total amount = 1tIIi total amount 11 it IIf means, fractional amount less than the temporary payment limit set in advance for the card out of the total amount calculated by this total amount η calculation means, or amount information of the read card a fraction calculation means for calculating the smaller of the amounts, and a subtraction means for subtracting the fractional amount calculated by the fraction calculation means from the read amount information to set new amount information; @The fraction given by the number calculation means is 81ri by the total amount calculation means.
a payment amount 31 means to subtract from the total amount that has been made;
The apparatus includes a printing means for printing the payment amount calculated by the payment amount calculation means and the fraction calculated by the first stage of fraction calculation.

(Operation) According to the present invention, the amount information of the card is read by the reading/writing means, and the total amount is calculated in one stage of total amount calculation. Then, the fraction calculation means calculates a fractional amount of the total amount calculated by the total amount calculation means that is less than the temporary payment limit set in advance for the card or an amount that is less than the amount information of the read card. Calculate. Also,
The subtraction means subtracts the fractional amount calculated by the fraction calculation means from the amount information of the read card to obtain new amount information, and the reading/writing means writes this new amount information into the card. On the other hand, the payment amount calculation means calculates the amount to be paid by means other than the card by subtracting the fraction calculated by the fraction calculation means from the total amount calculated by the total amount calculation means, and the payment amount calculation means t' It prints the amount to be paid with a card other than the card that has been used, and the fraction to be paid with the card calculated by the fraction calculation means.

(Embodiment) Hereinafter, one embodiment of the payment processing device of the present invention will be described with reference to the drawings.

In FIG. 1, 1 is a prepaid card such as a 1G card or a magnetic card that stores the card balance as amount information, and this prepaid card 1 reads the amount information of the card balance of this prepaid card 1, and
It is inserted into a card reader/writer 2 which serves as a reading/writing means for reading new amount information after use.

Further, in the 3μ total amount calculation means 3, this total amount 81 calculation means 3 registers the purchased product and the price of the product and calculates the total amount. A fraction calculation means 4 is connected to the total amount calculation means 3, a card reader/writer 2 is connected to the fraction calculation means 4, and the fraction calculation means 4 calculates the total amount of 1tI by the calculation means 3. Out of the total amount, the amount that is a fraction less than the one-time payment limit, which is the limit for one-time payment set in advance for prepaid card 1, or the amount information of the loaded prepaid card 1, whichever is smaller. Calculate.

Furthermore, a subtraction-1 stage 5 is connected to the fraction calculation means 4,
A card reader/writer 2 is connected to this subtraction means 5,
The subtraction means 5 subtracts the fractional amount calculated by the fraction calculation means 4 from the money lfR information of the prepaid card 1 read by the card reader/writer 2 and outputs it to the card reader/writer 2 as new amount information.

Furthermore, 6 is a payment amount calculation means, and this payment amount is 1! i
The total amount z1 calculation means 3 and the fraction calculation means 4 are connected to the f I means 6, and the payment amount calculation means 6 calculates the fraction calculation means 4 from the total amount calculated by the total amount calculation means 3.
The fractional amount calculated in is subtracted to calculate the amount to be paid with other than prepaid card 1. Further, this payment amount calculation means 6 is connected to a printer 7 as a printing means together with the fraction calculation means 4, and the amount to be paid with the prepaid card 1 calculated by the fraction calculation means 4 and the prepaid card calculated by the payment amount calculation means 6 are Print the amount to be paid for items other than 1 on a receipt, etc. It should be noted that the total amount device 1 calculation stage f 3, the fraction calculation means 4, the subtraction means 5, and the payment amount calculation means 6 are constituted by a cash register, a computer, or the like.

Next, the operation of the above embodiment will be explained.

First, register the products to be sold and the amount of the products using the cash register keyboard, etc. (Step 2)
, Check whether all the products have been registered, that is, whether the registration of the products, etc. has been completed (step ■), and if the registration of all the products has not been completed, return to step ■, and the registration of all the products has been completed. When this happens, for example, the total amount calculation means 3 calculates the total amount by operating the total key (step (2)), and displays the total amount on the cash register display (step (2)).

In this state, take the prepaid card 1 from the customer and insert the prepaid card 1 into the card reader/writer 2 of the cash register.Step Read the type of prepaid card 1 to see if it is a prepaid card (step ■), and divide by the designated currency amount recorded on the prepaid card 1 in advance according to the type of these prepaid cards 1 (step ■), The remaining amount is the fractional amount less than the one-time payment limit (step ■).

(See next page) The temporary payment limit for the prepaid card 1 is set in advance, for example, as shown in the table.

For example, the usage amount for prepaid card 1 is 50
00 yen prepaid card and the total amount is 1,450 yen, divide this 1,450 yen by 500 yen in the specified currency, and the quotient is 2 with a remainder of 450 yen, which is less than the temporary payment limit calculated in step ■. The fractional amount will be 450 yen.

Then, the amount fR information, which is the card balance of the inserted prepaid card 1, is read (step ■), and the fraction calculation means 4 reads the fractional amount less than the temporary payment limit calculated in step ■. Compare the balance with the card balance, take the smaller amount as the fractional amount, and judge whether the card balance is greater than or equal to the fractional amount (Step ■). If the card balance is greater than or equal to the fractional amount, use the subtraction means 5 to remove the prepaid card. Step o) to subtract the fractional amount from the card balance of step 1. When the card balance is less than the fractional amount, step ■) to subtract the card balance from the payment S1 amount. From the total payment amount using the payment amount calculation means 6. O or subtract the amount calculated in step ■ (step ■),
Obtain the payment amount for cards other than prepaid card 1, and display the amount to be paid for cards other than prepaid card 1 (step ■)
.

Then, remove the prepaid card 1 (Step ■)
, Deposit cash, etc., and manually calculate the deposited amount of cash, etc. (step ■), Subtract the total amount from the amount of cash, etc. plus the amount entered on prepaid card 1, and calculate change. Step o), Change. Display the amount (step ■)
Then, the printer 7 prints the receipt, Step 0), hands the receipt, prepaid card 1, and change to the purchaser, and the process ends.

Further, the receipts are as shown in FIGS. 3 to 5.

For example, if the prepaid card 1 costs 5000 yen and the amount per unit is 1945 yen, the amount paid by the prepaid card 1 is 445 yen and the amount paid by cash is 1500 yen. If you deposit 2000 yen in cash, you will receive 50 change.
It becomes 0 yen, and the balance of the previous prepaid card 1 is 165
If it is 0 yen, you can get 1 prepaid card from this 1650 yen.
The new balance after subtracting the payment amount of 445 yen is 1205 yen.
These items and amounts will be recorded on the receipt as shown in Figure 3.

Further, if the balance of the prepaid card 1 is less than the fractional amount and the card balance becomes O, as shown in FIG. 4, a message to the effect that the card balance becomes O is printed.

Furthermore, in the case of 1,000 yen prepaid card 1, the 5th
As shown in the diagram, only prepaid cards 1 for amounts of 2 digits or less
You can pay at

In the case of the above-mentioned embodiment, the designated currency amount is divided from the joint amount in step 7, but after setting the designated number of digits in advance and reading this designated number of digits,
In step (2), the remainder of the integer solution obtained by performing division and dividing by the designated currency amount may be used as a fractional amount.

Further, a card reader/writer 2 into which a plurality of prepaid cards 1 can be inserted may be used. In this case, the card balance in step (2) can also be the total of a plurality of prepaid cards 1.

The temporary spending limit a for each type of prepaid card 1 is shown in the table (not limited to - but also other amounts, -tS+ amounts, uniform percentage amounts, or predetermined number of digits). Alternatively, instead of being stored in the prepaid card 1 itself, the information may be stored in a storage unit other than the prepaid card 1, such as a cash register, for each sales amount of the prepaid card.

〔Effect of the invention〕

According to the present invention, an amount exceeding the temporary payment limit set for the card will not be paid in one payment, and only a fraction of the amount on the payment amount calculation means can be paid with the card. As a result, the number of times one card can be used can be increased, and change processing can be facilitated.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing an embodiment of the payment t8 system of the present invention, FIG. 2 is a flowchart of the same, and FIGS. 3 to 5 are diagrams showing the receipt of the same. 1. Prepaid card, 2. Card reader/writer as reading/writing means, 3. Total amount 3j frame means, 4.
・Fraction calculation means, 5. 14 section means, 6. Payment amount calculation means, 7. Printer as printing means.

Claims (1)

[Claims] (1) A card in which amount information is stored; a reading/writing means for reading and writing the amount information on the card; a total amount calculation means for calculating the total amount; and a card for calculating the total amount. a fraction calculation means for calculating the lesser of a fractional amount less than the temporary payment limit set in advance for the card or the amount of the amount information of the read card, out of the total amount; a subtraction means for subtracting the fractional amount calculated by the calculation means from the read amount information to set new amount information; and a subtraction means for subtracting the fractional amount calculated by the fractional amount calculation means from the total amount calculated by the total amount calculation means. A payment processing device comprising: a payment amount calculation means for subtracting; and a printing means for printing the payment amount calculated by the payment amount calculation means and the fraction calculated by the fraction calculation means.