JPH022480A - Card adjusting system - Google Patents

Abstract

PURPOSE:To specify information to be adjusted later at the time of initial adjustment by punching a through hole on a prescribed position of a magnetic recording medium on which other information is recorded at the time of initial adjustment of charge based upon a magnetic card. CONSTITUTION:When a through hole is not punched on the code position of a magnetic bar code 2 of a magnetic card 3, a through-hole is punched on the prescribed position of the card by punch mechanisms 26A, 26B and the succeeding adjustment is specified to a specific company. When the through-hole is punched on the code position of the magnetic bar code 2 of the magnetic card 3, the prescribed position of the code is decided on the basis of information obtained from magnetic heads 23a, 23b and optical readers 23A, 23B, and when the card is a magnetic card 3 adjusted by the company itself, the adjustment is enabled. In case of the magnetic card 3 adjusted by another company, its adjustment is disabled.

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to a system for settling payments using a magnetic card having a magnetic recording medium on which monetary information is recorded and a magnetic recording medium on which other information is recorded. In particular, the present invention relates to a card payment system that specifies items that can be paid later at the time of the first payment.

[Conventional technology]

This type of card has a magnetic recording medium on which monetary information is recorded and a magnetic recording medium on which other information is recorded.The monetary information is recorded on one magnetic recording medium, and on the other magnetic recording medium. Information such as the publisher and publication date is magnetically recorded on each.

Furthermore, the front of the card is printed with an indication of the equivalent amount of money spent.

Such cards are obtained by paying a certain amount in advance. Thereafter, each time the card is used, the amount used is subtracted from the amount information on the magnetic recording medium of the card, and the data of the reduced amount is rewritten on the magnetic recording medium. At the same time, the card has a punch hole punched in the corresponding amount display area printed on the front surface of the card in accordance with the amount to be used.

[Problem to be solved by the invention]

The payment method using the card is as described above. Therefore, according to the above-mentioned conventional payment settlement system using a card, if the person issuing the card and the person receiving the payment using the card are the same, there will be no problem regarding the distribution of the payment. If the issuer and the person who receives the payment by card are separate entities, and each person who receives the payment by card is a separate entity, then the settlement of accounts will be between the issuer and the person receiving the payment. The disadvantage is that complicated processing must be performed to do so.

In particular, in the case of the above-mentioned conventional card payment system, there was a drawback in that it was not clear how taxes would be borne among the multiple payment recipients.

The present invention was made in order to solve the above-mentioned drawbacks, and an object of the present invention is to provide a card payment system that specifies items that can be paid later at the time of the first payment.

[Means for Solving the Problems] In order to achieve the above object, the card payment system according to the present invention uses a magnetic recording medium having a magnetic recording medium on which monetary information is recorded and a magnetic recording medium on which other information is recorded. In a system where payments are made by card, a through hole is drilled at a predetermined position on the magnetic recording medium where other information is recorded when the payment is first made using the magnetic card, and subsequent payments are made using the 538m hole. It is characterized by specifying what can be done.

[Effect]

A magnetic card has a magnetic recording medium on which monetary information is recorded and another magnetic recording medium on which other information is recorded, and is obtained by paying a certain amount of money.

Further, on the surface of the magnetic card, an indication of the equivalent amount is printed as a guide to the amount spent. Each time the card is used, the amount spent is subtracted from the amount information on the magnetic recording medium of the card, and the information on the deducted amount is rewritten on the magnetic recording medium.

At the same time, the corresponding amount display portion printed on the front surface of the card is punched in accordance with the amount spent.

Here, when reading the magnetic recording medium on which other information of the magnetic card is recorded, if there is no through hole,
A through hole is drilled at a predetermined position of the magnetic recording medium on which other information is recorded, and the through hole is used to specify the item that can be used for future payment settlement. In addition, if a through hole is found as a result of reading the magnetic recording medium on which other information of the magnetic card is recorded, if the position of the through hole is yours, you should pay the bill and use another information. It was made so that payment could not be made at the time of the transaction.

Since we did this, according to this card payment system,
Since items that can be settled are specified at the time of initial settlement, subsequent settlement processing becomes economical, and tax settlement can also be made very easily.

〔Example〕

Hereinafter, the present invention will be explained based on illustrated embodiments.

1 to 7 are diagrams shown for explaining one embodiment of the present invention.

FIG. 3 is a perspective view showing a payment device that implements an embodiment of the card payment method according to the present invention.

In FIG. 3, the payment device 1 has a rectangular parallelepiped shape, and the front panel of the rectangular parallelepiped is provided with a card slot 4 into which a magnetic card 3 having a magnetic barcode 2 is inserted.
An input keyboard 5 is provided above the input keyboard 5 for manually inputting the payment amount, a display 6 is provided above the input keyboard 5 for displaying necessary information, and a cash input button is provided on the right side of the input keyboard 5 as shown in the figure. A change tray 8 is provided for receiving the change after the payment is completed, and a sound 9 is provided on the left side of the input keyboard 5 for notifying the user that a card has been forgotten or for other reasons.
Alarm 9 and cancel button 1 for canceling payment
0 and a call button 11 for calling an attendant.

Here, when making a payment using the magnetic card 3, the payment device 1 inserts the magnetic card 3 into the card slot 4 and reads and updates the information written in the magnetic barcode 2 of the magnetic card 3. The information is displayed on the display 6, and the input keyboard 5 is used to display the payment information, and the information read from the magnetic card 3 is input from the input keyboard 5! # The structure is such that a subtraction calculation is made from the total amount information, the calculation result is written again on the magnetic barcode 2 of the magnetic card 3, and the magnetic card 3 is ejected into the card insertion slot 4. On the other hand, when paying with cash, the payment device 1 converts the necessary cash into information from the cash input lower and displays the information on the display 6, and also inputs a display that allows payment through the input keyboard. Make it 5,
Further, the cash information is subtracted from the amount to be paid inputted from the input keyboard 5, and the change is discharged into the tray 8 if necessary.

Note that since the present invention relates to a card payment system using the magnetic card 3, a description of the tlltx method using cash will be omitted below.

FIGS. 4 and 5 are explanatory diagrams showing the magnetic card 3 used in the embodiment of the present invention.

This magnetic card 3 is made of a flexible material such as thin plastic, and has a fourth magnetic card on its surface.
As shown in the figure, an area 12 for displaying the payment amount and its payment status, and an error mark area 13 for error processing are provided, and other necessary information (
Sales amount, publisher name, etc.) are printed on it. Further, the magnetic card 3 is provided with a magnetic barcode 2 as a magnetic recording medium on the back surface thereof, as shown in FIG.

Further, the magnetic barcode 2 of the magnetic card 3 includes a fifth
As shown in the figure, a code 2aJ related to other information such as issuer, etc. and a code 2bJ related to amount information are magnetically recorded.

Furthermore, in the magnetic card 3, the error mark area 13 and the area 12 are provided in the same direction with respect to the insertion direction, and the code 2a regarding the information on the issuer etc. is the name of the issuer or other information. As for the necessary information, the code 2b relating to amount information is the amount value printed on the front surface of the card 3 when it is issued, and is magnetically written as a code.

Figure 6 is above! FIG. 2 is a configuration diagram showing the internal configuration of the # calculation device.

Inside the payment device 1, a pair of feed rollers 20.21 are rotatably provided in parallel at a position corresponding to the card insertion slot 4.
A magnetic head 22a is provided adjacent to the 1711 barcode 2 of the magnetic card 3 to read the information of the code 2a regarding other information of the 1711 barcode 2 of the magnetic card 3. In addition, this magnetic head 22
A magnetic head 22b is provided next to a for reading a code 2b relating to the amount information of the magnetic barcode 2 and writing information to the code 2b relating to the amount information. Also, next to the magnetic heads 22a and 22b are a first optical reading device 23A and a second optical reading device 23.
B is provided, and each of the optical reading devices 23A, 2
3B may be constituted by a photo interlayer.

Further, the first optical reading device 23A is used to read a through hole drilled in the code 2a related to other information of the magnetic barcode 2. Said second optical reading renovation! 23B is error mark area 13 and area 1
It is used to read information from the punched holes in both. On the right side of each of the optical reading devices 23A and 23B in the drawing, a pair of feed rollers 24 and 25 are provided so as to be rotatable in parallel. On the right side of the feed roller 24, 25 in the drawing, a first punch machine side 26A and a second punch a mechanism 26B are provided. The first punch mechanism 26A has a mechanism capable of punching a through hole at the position of the code 2a portion related to other information of the barcode 2 of the magnetic card 3 in response to a punching command. The second punch mechanism 26B punches area 1 of the magnetic card 3 in response to a punch command.
2 and the error mark area 13.

Further, a pair of rollers 27 and 28 are provided adjacent to the punch mechanisms 26A and 26B so as to be rotatable in parallel.
A roller 29.30 is also provided at a fixed distance from this roller 27.28. An endless heald 31 is wound between the roller 27 and the roller 29, and an endless belt 32 is wound between the roller 28 and the roller 30. The lower half of the outer circumference of the belt 31 is in contact with the upper half of the outer circumference of the belt 32. On the right side of the rollers 29 and 30, there is a card contact detection sensor 3 which also serves as a stopper.
3 is a provision.

The feed roller 20.21, feed roller 24.25, roller 27.28, and roller 29.30 are connected to a driving step motor 34 via a mechanism not shown, and rotate according to the rotation of the step morph 340. I will do it.

The optical reading circuit 23A of the heads 2za, 22b, m-, the second optical reading refurbishment H23B, the first punch mechanism 26A, the first punch mechanism 26B, and the card contact detection sensor 33 are controlled by a control circuit. electrically connected to 35,
The step motor 34 is configured to rotate according to a rotation command generated by the control circuit 35.

The control circuit 35 also includes a subica 3 of the sound V alarm 9.
6, and a card loss sensor 37 that detects when the magnetic card 3 is inserted into the card slot 4 by reflecting light.
, the input keyboard 5, the display 6, and Gancel! 1
10 and the nominal i[]11 are electrically connected.

FIG. 7 is a block diagram showing an example of the configuration of the control circuit shown in FIG. 6.

In FIG. 7, the control circuit 35 includes data reading circuits 40a and 40b, an optical reading circuit 41, the speaker driving circuit 42, a motor driving control circuit 43, and a data writing circuit 4.
4. First punch mechanism control circuit 45, second punch mechanism control circuit 46, error processing control circuit 47, write control circuit 48, data storage circuit 49, payment processing circuit 50, input keyboard control circuit 51, display control circuit 52, a button press detection control circuit 53, and a card stop control circuit 54. The data reading circuit 40a is connected to the magnetic head 22.
The data from a is supplied to the settlement processing circuit 50. The data reading circuit 40b is connected to the magnetic node 2.
The data from 2b is supplied to the settlement processing circuit 50. The optical reading circuit 41 is configured to supply data from the first optical reading device 23A, the second optical reading device 23B, and the card detection sensor 37 to the payment processing circuit 50. The speaker drive circuit 42 is capable of converting a command from the payment processing circuit 50 into an acoustic signal and supplying it to the speaker 36.

Further, the motor drive control circuit 43 controls the rotation of the step motor 34 based on commands from the payment processing circuit 50, the error processing circuit 47, and the write control circuit 48. The data write circuit 44 includes:
The write data from the write control circuit 48 is sent to the magnetic head 2.
It is designed to be given to 2b.

+ii+ The punch mechanism control circuit 45 is the settlement processing circuit 5.
0, and the first punch mechanism 26A
The punch is supposed to work. The punching mechanism control circuit 46 receives punch commands from the error processing circuit 47, the write control circuit 4, and the settlement processing circuit 50, and causes the second punching mechanism 26B to perform a punching operation. The payment processing circuit 50 includes an error processing circuit 47,
It is connected to a write control circuit 48 and a data storage circuit 49. The input keyboard control circuit 51 is capable of supplying data from the input keyboard 5 to the precision gamma processing circuit 50. The display control circuit 52 controls the display of the display 6 based on commands from the payment processing circuit 50. The button press detection control circuit 53 includes:
It is possible to detect that the cancel 5 entry 10 and the call 6111 have been pressed and supply this to the settlement processing circuit 50. The card stop control circuit 54 is capable of supplying a signal from the card contact detection sensor 33 to the payment processing circuit 50. The payment processing circuit 50 includes:
In addition to the settlement process, data reading circuits 40a and 40b, which will be described later,
From this point on, the card stop control circuit 54 is controlled.

The payment processing circuit 50 also detects that the magnetic card 3 has been inserted into the card slot 4 by using the card detection sensor 37.
, when detected via the card stop control circuit 54, first,
The step motor 34 is driven to rotate.

The payment processing circuit 50 moves the magnetic barcode 2 of the magnetic card 3 from the codes 2a and 2b of the magnetic barcode 2 to the magnetic heads 22a and 22b.

It takes in data via the data reading circuits 40a and 40b and writes this data into the data storage circuit 49. Further, the payment processing circuit 50 uses data read through the first optical reader 23A to determine whether a through hole is drilled at a predetermined position of the code 2a of the magnetic barcode 2 of the magnetic card 3. , the determination is made from data read from the magnetic head 22a.

The payment processing circuit 50 takes in the payment amount from the input keyboard 5 via the input keyboard control circuit 51, calculates a deduction here, and writes the data to the control circuit 4.
8, the data writing circuit 44 and the magnetic head 2.
2b to the amount code 2b of the magnetic barcode 2 of the magnetic card 3, and the punching mechanism control circuit 46 causes the punching mechanism 26B to punch a hole at a predetermined position in the area 12 of the magnetic card 3. It is something that makes you When the payment processing circuit 50 determines that the code 2a of the magnetic barcode 2 of the magnetic card 3 does not have a through hole, the punching mechanism control circuit 45 and the first punching mechanism 26A operate the magnetic card 3. The code 2a of the barcode 2 is operated to form a through hole at a predetermined position.

Further, the payment processing circuit 50 operates to enable payment when the position of the through hole drilled in the code 2a of the magnetic barcode 2 of the magnetic card 3 is that of the company, and at the first time. During the operation, under the control of the payment processing circuit 50, the magnetic card 3 is moved by the feed rollers 24, 25, bell) 31.
32, etc., in the left and right directions in the drawing. The write control circuit 48 rewrites the code 2b related to the amount information of the magnetic barcode 2 of the magnetic card 3 via the data write circuit 44 and the magnetic head 22b, and also rewrites the code 2b regarding the amount information of the magnetic barcode 2 of the magnetic card 3. It is operated to punch holes in the area 12 of the magnetic card 3.

Next, the operation of this embodiment will be explained with reference to FIGS. 1 to 7.

FIG. 1 is a flowchart showing this embodiment.

FIG. 2 is an explanatory diagram shown for explaining the operation of this embodiment.

First, the payment device 1 determines whether cash has been inserted from the cash input lower or whether the magnetic card 3 has been inserted into the card insertion slot 4 (step 5lot). Here, if it is cash, a cash settlement process is executed and the process ends (step 5102).

Further, since the card detection sensor 37 detects that the magnetic card 3 is inserted into the card slot 4 of the payment device 1, the payment processing circuit 50 can be detected by the motor drive control circuit 43. A drive command is issued to rotate the step motor 34. As a result, the magnetic card 3 is transferred to the feed roller 20.21 and the feed roller 24.2.
5. In the process of moving between the belts 31 and 32, the code 2a12b of the magnetic barcode 2 is transferred to the magnetic head 22a,
22b, issuer code 2a, amount code 2b
is read and code 2. The through hole a is read (step 5103).

The data in the magnetic barcode 2 of the magnetic card 3 read in this step is stored in the data storage circuit 49 via the payment processing circuit 50.

As a result of the reading process, it is first determined from the information obtained whether or not the magnetic card 3 is a magnetic card 3 that has never been used (step 5104).

Here, in the case of magnetic card 3, which is not used even at -degrees,
As shown in FIG. 2, after drilling a through hole 80 at a predetermined position of the code 2a of the magnetic barcode 2 of the magnetic card 3 (step 5105), the settlement processing circuit 50 calculates the amount of money to be paid to the magnetic card 3. magnetic barcode 2 code 2b
It is determined whether the value of is large (step 5106)
.

Here, if the value of code 2b is larger than the payment amount value,
That is, if a reduction is possible, the amount data is displayed on the display 6 via the display control circuit 52, and the input keyboard 5 is displayed in the display area of the amount that can be settled according to the amount data (step 5107). . Then,
The user waits for input of the amount using the human keyboard 5 (step 3108). Then, when there is an input from the input keyboard 5, if the key value is larger than the amount on the magnetic card 3 (step 5109), a message will be displayed saying "Payment cannot be made. Please re-enter again." Step 5ilo) is displayed on device 6, and the process waits for key human power in step 5107.

Further, when the key input value from the input keyboard 5 is smaller than the amount input from the magnetic card 3 (step 5
109), calculates the reduction amount, records it in the data storage circuit 49, and outputs the reduction data to the write control circuit 48 together with the necessary data (step 5il).
l).

When the data is input, the write control circuit 4 supplies the data to the data write circuit 44 and the punch mechanism control circuit 46, and also outputs the data to the motor drive control circuit 43.
The step motor 34 is rotated through the magnetic card 3.
to the four directions of the card slot (step 5).
112). When the magnetic card 3 reaches a predetermined position, the second punch mechanism 26B is operated to punch a hole in the area 12, and the magnetic card 3 punches the magnetic head 22b. Execute data writing at the timing of passing (step 5)
113).

Next, the tit card 3 is further sent in the direction of the card insertion slot 4 (step 5114), and when the magnetic card 3 is detected by the card detection sensor 37, it is stopped and the magnetic card 3 is
The speaker 36 of the audible alarm 9 generates a sound alerting the user to the receipt of the magnetic card 3 (step 5l15), and the magnetic card 3 is waited for to be received (step 3116). When the receipt is taken, the audible alarm 9 stops the audible notification. (Step 51
17), the process ends.

On the other hand, from the information obtained as a result of the reading process, it is first determined that the magnetic card 3 is a magnetic card 3 that has a through hole 80 in the code 2a portion, as shown in FIG. 2, where the magnetic card 3 has been used even once. Then (step 5t04), it is determined whether or not the magnetic card 3 was settled in-house based on the information on the position of the through hole from the first optical reader 23A and the information from the magnetic head 22a (step 5t04). 5120).

Here, if the card 3 is to be paid by the company, the through hole 8
It can be determined based on the combination of the position of 0 and the magnetic information obtained from the code 2a. Then, if it is determined that the magnetic card 3 was settled by the company, step 510
Move on to 6. Similarly, after the process in step 5105, the process moves to step 5106.

After moving to step 5106, if the amount entered from the keyboard 5 is larger than the amount information on the 7-card 2b of the magnetic barcode 2 of the magnetic card 3 and payment can be made, the process continues to step 5107. . However, if it is determined that the amount cannot be reduced (Step 5IQ6),
The payment processing circuit 5o rotates the step motor 34 via the motor drive control circuit 43, and reads the error mark area 13 of the magnetic card 3 via the optical reader 23 (step 5121).

Here, if there is no error mark in the error mark area 13 of the magnetic card 3 (step 5122), the area 12 of the magnetic card 3 is read (step 5123), and when the entire amount has not been used (step 5124), the The amount indicated in the area 12 of the magnetic card 3 can be used. In other words, the payment processing circuit 50 gives the amount indicated in the area 12 of the magnetic card 3 to the display 6 to display it, and also displays a display button that allows payment on the input keyboard 5 (step 5125). The system waits for input of the amount (step 5126).

If the amount entered manually exceeds the amount displayed on the display 6 and the manual keyboard 5, the amount is displayed on the display 6 (steps 5127 and 5128), and the key input is waited (step 5126). . When the key input value from the input keyboard 5 is smaller than the amount on the magnetic card 3 (step 5127), a reduction is calculated, and this is stored in the data storage circuit 49 along with the information that it is abnormal, and the error processing circuit 47 A command to perform error processing is output (step 5129).

When the error processing command is input, the error processing circuit 47 provides the data to the punch machine/lateral control circuit 46 and rotates the step motor 34 via the motor drive control circuit 43 to drive the magnetic card 3. The card is sent in the four directions of the card insertion slot (step 5130). When the magnetic card 3 reaches a predetermined position, the second punch a side 26B is operated to punch a hole in the error mark area 13 (step 5).
131).

By executing such processing (step 5131), the error mark area 13 of the magnetic card 3 is
A message indicating that the card cannot be used again is displayed on the punch-hole 0 indicator 6 (step 5132), and the following processes are executed for ejecting the magnetic card 3 (steps 5114 to 5).
117).

On the other hand, from the information obtained as a result of the reading process, it is first determined that the magnetic card 3 is a magnetic card 3 that has a through hole 80 in the code 23, as shown in FIG. 2, where the magnetic card 3 has been used even once. Then (step 5104), the magnetic card 3 which has been settled by the company based on the information on the position of the through hole from the first optical reader 23'A and the information from the magnetic helad 22a.
It is determined whether or not (step 5120). If it is determined that the magnetic card 3 is not the one that was paid for by the company, a message indicating that it is an error card is displayed on the display 6 (step 5135), and the following processes are executed to eject the magnetic card 3 (step 5114). ~5117).

Note that when the error mark area 13 of the magnetic card 3 is read by the second optical reader 23B, if there is a punch hole as an error mark, the display 6 will display that it is an error card (step 5135). , performs the following process for ejecting the magnetic card 3 (step 5)
114-5117).

Furthermore, if there is no error mark in the error mark area 13 of the magnetic card 3 (step 5122), the area 12 of the magnetic card 3 is read (step 5123), and if the entire amount has been used (step 5124).
), display on the display 6 that the entire amount has been used and there is no amount that can be settled Step 5140), magnetic card 3
is discharged and the following process is executed (step 511
4-5117).

The present embodiment operates as described above, and when a through hole is not formed at the position of the code 2a of the magnetic barcode 2 of the magnetic card 3, a second jump is shown at a predetermined position of the code 2a. A through hole is drilled in this way, and subsequent settlements are specified to a specific company. On the other hand, in this embodiment, when a through hole is formed at the position of the code 2a of the magnetic barcode 2 of the magnetic card 3, a predetermined position of the code 2a is read by the first optical reader 23A and the magnetic barcode 23A. Judging from the information from the Herad 22a, if the magnetic card 3 was used for payment by one's own company, the payment is possible, and if the payment was made by another company and the magnetic card 3 is used, payment is disabled.

Further, in the above embodiment, the payment is made by inputting the payment amount from the input keyboard 5, but it can be applied to, for example, a system in which a fixed amount is reduced each time the payment is made.

〔Effect of the invention〕

As described above, according to the present invention, when a through hole is not formed at a predetermined position of the magnetic recording medium on which other information of the magnetic card is recorded, Since a through hole is provided so that future payments can be specified to a specific company, the subsequent payment process becomes economical, and tax payments can also be made very easily.

Further, according to the present invention, there is an effect that customers can be fixed to the company.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing one embodiment of the present invention, and FIG.
The figure is an explanatory diagram of the same embodiment, FIG. 3 is a perspective view showing a payment device that implements the same embodiment, FIGS. 4 and 5 are views showing a magnetic card, and FIG. 6 is the internal configuration of the payment device. 7 are block diagrams showing an example of the internal configuration of the control circuit. ■...Payment device, 2...Magnetic stripe, 3...
Magnetic card, 4... Card slot, 5... Input keyboard, 6... Display, 9... Sound alarm, 10.
... Cancel button, 11... Nominal 2 ports, 22... Magnetic head, 23... Optical reading device, 26... Punch mechanism, 35... Control circuit.

Claims (1)

[Claims] In a system in which payment is made using a magnetic card that has a magnetic recording medium on which monetary information is recorded and a magnetic recording medium on which other information is recorded, other information is not collected when the payment is first made using the magnetic card. A card payment system characterized in that a through hole is drilled at a predetermined position of a recorded magnetic recording medium, and the through hole is used to identify items that can be used for subsequent payment settlement.