JP2542732B2 - Transaction processor - Google Patents

Description

Description: [Industrial application] The present invention relates to a transaction processing device that enables payment of a product purchased by a customer with a prepaid card.

[Prior Art] For example, as seen in payment of public telephone charges and ticket sales on railroads, customers are asked to purchase a prepaid card with a purchase limit in advance at the limit or an amount close to the limit. , A sales system that allows customers to pay for products purchased within the limit using the card does not need to check the reliability unlike a credit card, so it does not take time and registration is possible. It can be expected to improve work efficiency.

Therefore, in recent years, if the card balance of a prepaid card is equal to or more than the total amount of the relevant transaction, the total amount is paid by the prepaid card.If the total amount is less than the total amount, the card balance is paid by the prepaid card, and the shortage is Transaction processing devices that allow payment with cash or another card are becoming popular. (See Japanese Patent Laid-Open No. 1-263896, etc.) However, in this case, unless the purchase limit of the prepaid card is made extremely high, the card balance will be exhausted immediately, so the prepaid card must be sold at a high price, and it is popular. Poor sex.

Therefore, there has been considered a transaction processing apparatus improved so that when payment by a prepaid card is instructed, only the fractional amount of the total amount is reduced from the card balance of the card, and the rest is paid by means other than the card. (JP-A-2-1539
(See Japanese Patent No. 6, etc.) [Problems to be Solved by the Invention] By the way, some transaction processing apparatuses of this type have a function of canceling a transaction before the transaction is completed and collectively canceling the transaction. is there. However, in any of the above-mentioned publications, if the customer offers to cancel the transaction after paying a part of the total amount with the prepaid card, it is prohibited to cancel the transaction collectively even if the transaction is not completed. Was there. This means that after paying a part of the total amount with the prepaid card, the remaining amount of payment is only displayed on the display unit of the transaction display device, and it may not be known how much the amount of payment with the prepaid card was. Because there is. Therefore, in such a case, once the customer pays the remaining payment amount, for example, in cash, closes the transaction and closes the transaction, and then cash the transaction amount including the payment amount with the prepaid card to the customer. I was refunding. In this case, it is necessary to register the returned goods and correct the contents of the memory later, which wastes time and effort.

It should be noted that, in Japanese Patent Laid-Open No. 2-15391, when a ticket is refunded at a ticket vending machine that sells tickets with a prepaid card, the refund fee is recorded on the prepaid card from the refund information recorded on the ticket to be refunded. However, this technology is related to the refund after the transaction is completed, and the idea about the refund of the payment fee by the prepaid card before the transaction is closed, such as batch cancellation, is disclosed. Absent.

Therefore, the present invention makes it possible to collectively cancel the transaction when registration of the transaction is instructed after the partial payment for the total amount of the transaction is made by the prepaid card, thereby making it unnecessary to register the returned goods. It is an object of the present invention to provide a transaction processing device that can easily refund the amount paid by a prepaid card and can significantly reduce wasteful time and labor.

[Means for Solving the Problem] The transaction processing device of the present invention is a total amount memory for storing the total amount of products registered for sale in one transaction, and writing / reading of data to / from a prepaid card recording balance data. The card reader / writer that performs the above, and the card payment amount input means for inputting the payment amount less than the balance data read from the prepaid card by this card reader / writer, and the total amount less than the amount in the memory by the card payment amount input means. When is entered, the above payment amount is subtracted from the balance data read from the prepaid card, the remaining amount is written to the prepaid card by the card reader / writer, and the above payment amount is subtracted from the amount in the total amount memory, and the remaining amount. If the transaction processing device that closes the transaction when the A payment amount storage means for storing the payment amount input by the dan,
If the batch transaction key that instructs the cancellation of the transaction before the closing and the payment amount less than the amount in the total amount memory are entered by the card payment amount input means, then the transaction is canceled by the batch cancellation key, this time And a collective cancellation processing means for displaying the payment amount stored by the payment amount storage means on the display unit.

[Operation] With a transaction processing device that takes such means, if a partial payment by a prepaid card is instructed with a card key for the total amount of one transaction stored in the total amount memory, the total amount memory The payment amount is subtracted from the total amount of the payment amount and the payment amount by the prepaid card is stored by the payment amount storage means. At this stage, when the customer offers to cancel the transaction, he operates the collective cancel key. Then, the corresponding transaction is canceled and the payment amount stored by the payment amount storage means is displayed and output, for example. Therefore,
The output amount will be refunded to the customer who has offered to cancel the transaction as the refund amount for the partial payment by the prepaid card. In this case, since the collective cancellation is performed before the establishment of the transaction, it is not necessary to register the returned goods for the transaction after the establishment.

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

FIG. 1 is an external view of the apparatus according to the present embodiment, in which 1 is a POS (point-of-sale information management) terminal for registering sales of products purchased by each customer, and 2 is data for a prepaid card 3. Is a card reader / writer for reading and writing, and both are connected via a signal cable 4.

As shown in the figure, the POS terminal 1 is provided with a keyboard 5 as an input unit for inputting information about products to be sold, various business modes such as “registration”, “inspection”, “settlement”, “setting”, and the execution thereof. A mode switch 6, which is switched by a key for commanding the central processing unit, an operator display 7 and a customer display for displaying the product name and price of the product input from the keyboard 5 and the total amount of the customer. A container 8, a printer 9 for printing on receipts, a drawer 10 for storing cash, etc. are provided.

As shown in FIG. 2, the keyboard 5 is provided with a numeral key 21 for inputting numerical data such as the number of products sold and the amount of money, and a plurality of department keys 22 preset with department codes for classifying each product. , Multiply key 23 to input multiplier, Subtotal key 24 to calculate subtotal amount, Deposit / cash total key 25 to instruct registration closing by cash payment, Card key 26 to instruct payment by prepaid card, Various keys such as a collective cancel key 27 for instructing the suspension of transactions and a clear key 28 used for clearing a numerical input and canceling an error are arranged.

The card reader / writer 2 is formed with a card insertion / removal opening 11. The prepaid card 3 inserted from the card insertion / removal opening 11 is conveyed to the inside by a conveyance system (not shown), positioned at a predetermined position, and then not shown. reading/
The card number and balance data recorded on the card 3 are read by the writing / reading head, new balance data after payment processing is written, and then the card is ejected from the card insertion / removal opening 11. .

FIG. 3 is a block diagram showing the control circuit of the POS terminal 1. In the figure, 31 is a CPU as a central processing unit.
The CPU 31 receives signals from the memory units of the ROM 33 and the RAM 34, the clock circuit 35 for clocking the date and time, and the mode switch 6 to the CPU 31 via the bus line 32, and opens the drawer 10. An I / O port 36 for outputting a signal, a keyboard controller 37 for taking in a key signal from the keyboard 5, a display controller 38 for driving and controlling the respective displays 7, 8, a printer controller 39 for driving and controlling the printer 9 , A card reader / writer interface 40 for transmitting / receiving data to / from the card reader / writer 2, and a communication interface 43 for transmitting / receiving data to / from a host computer 41, which is a higher model, through an in-line line 42. Is configured.

The ROM 33 stores in advance program data for executing various business modes selectively by the mode switch 6, character data for printing receipts, character generator data of display characters for each display 7, 8, and the like. ing.

In the RAM 34, as shown in FIG. 4, the department code, the sales points and the sales amount of each product registered for sale in one transaction are stored for each product in the area a1, and the total points and the total amount are stored. The transaction data buffer 51 stored in areas a2 and a3 respectively, the payment amount by the prepaid card 3 for the total amount of one transaction and the card payment amount buffer 52 that can store the card number of up to 10 cards, the prepaid card 3 A card balance memory 53 for storing balance data, and a card number counter N for counting the number of prepaid cards 3 used for payment of one transaction.
Area 54, a card insertion flag F1 for distinguishing the presence / absence of card data input of the prepaid card 3 to be inserted into the card reader / writer 2, an area 55 for a card payment flag F2 for distinguishing the presence / absence of payment by the peripaid card 3, and the like. Has been formed.

Then, the CPU 31 is program-controlled so as to execute the process shown in FIG. 5 in a state where the "registration" mode is selected by the mode switch 6. That is, when the department registration of the product for sale is performed by the key input of the keyboard 5, the department code, the number of sales points, and the sales amount of the registered product are stored in the area a1 of the transaction data buffer 51 in the order of registration, and the sales points and sales The amount of money is added to the contents of the areas a2 and a3 of the same buffer 5, and the added data is stored again in the corresponding areas a2 and a3. Further, the department code and the sales amount are displayed on the respective displays 7 and 8, and the printer 9 prints them on a receipt or the like. (Department Registration Processing) In this way, when the registration of all the products purchased by one customer is completed and the subtotal key 24 is keyed in as ST (step) 1, it is stored in the area a3 of the transaction data buffer 51. The displayed data is displayed as a total amount on each of the display devices 7 and 8 and is applied to a receipt or the like by the printer 9 and output. Next, as ST2, the card insertion flag F1 in the area 55
Find out. In this case, since the flag F1 is reset to "0", it is determined that the card data of the prepaid card 3 has not been input, and the card insertable command is transmitted to the card reader / writer 2 via the card reader / writer interface 40. . When the card reader / writer 2 receives this card insertion enable command, it judges whether or not the card data of the prepaid card 3 inserted from the card insertion / removal port 11 is read, and if it is read, the card data is read. Reply. Therefore, when the CPU 31 and ST3 receive the card data via the card reader / writer interface 40, the card data is stored and held in the RAM 34 and the card insertion flag F1 is set to "1". Further, the number of cards in the area 54 is updated by "+1" in the counter N. In addition, the counter N is "0" in response to the transaction closing operation of the previous customer.
Has been cleared.

Next, at ST4, it is judged whether or not the counter N exceeds the number of cards (10) that can be managed by the card payment amount buffer 52, and if not, the balance data in the received card data is stored in the card balance memory. In addition to storing in 53, display the card balance on each display 7,8. Then return to ST2. On the other hand, if the counter N exceeds the number of manageable cards, each display unit
A message indicating the number of sheets error is displayed on 7 and 8, and a card ejection command is sent to the card reader / writer 2. Also, after resetting the card insertion flag F1 to "0", the process returns to ST2. The card reader / writer 2 is designed to eject the prepaid card 3 to the card insertion / ejection slot 11 when receiving the card ejection command.

If the card insertion flag F1 is set to "1" in ST2, or if the card data is not responded to the card insertable command in ST3, ST
As 5, it is determined whether or not there is a key input on the keyboard 5. Here, if there is no key input, return to ST2.

If there is a key input in ST5, the type of the input key is determined and the key processing according to the key type is executed.

FIG. 6 is a flow chart showing the key processing when the card key 26 is keyed. That is, when the key input of the card key 26 is detected in ST5 of the process in FIG. 5, the key process in FIG. 6 is started, and the card insertion flag F1 is checked first. When the flag F1 is reset to "0", the payment by the prepaid card is instructed even though the prepaid card 3 is not set in the card reader / writer 2, so that the respective indicators 7, 8 Display a message to the effect that there is a key input error and return to ST2.

On the other hand, when the card insertion flag F1 is set to "1", the card payment flag F2 in the same area 55 is also used.
Is set to "1". Then, it is determined whether or not the number is entered by the number key 21 immediately before the current key input of the card key 26. When the number has not been entered, the amount of money paid by the prepaid card 3 has not been entered with the entry key 21, so a message indicating that there is an error in entering the number is displayed on each of the display units 7 and 8. . Further, the counter N is checked, and only when the value of the counter N is "1", the card payment flag F2 is reset to "0", and the process returns to ST2.

When the number is entered by the number key 21 immediately before the card key 26 is entered, the number data and the balance data in the card balance memory 53 and the total metal data in the area a3 in the transaction data buffer 51 are stored. And are compared respectively.
Here, if the number data exceeds at least one of the balance data and the total amount data, the number that has been instructed to pay the amount higher than the card balance or the amount higher than the total amount. Since it is a mistake, a message indicating that there is a numerical input error is displayed on each of the display units 7 and 8 as well. In addition, the counter N is checked and the counter N
Set the above card payment flag F2 to "0" only when the value of is "1"
Reset to and return to ST2.

On the other hand, when the number data is less than or equal to the balance data and the total amount data, the amount corresponding to the number data is used as the payment amount by the prepaid card 3, and the card number in the card payment amount buffer 52 along with the card number in the card data. It is stored in the number area corresponding to the counter N (payment amount storage means). Also, subtract the above payment amount from the total amount in area a3 in the transaction data buffer 51,
The reduced content is stored in the area a3 (card payment processing means). Then, the contents of the area a3 are displayed on the respective display devices 7 and 8 as the remaining payment amount. Further, the payment amount is reduced from the card balance in the card balance memory 53, and the content after the reduction is stored in the card balance memory 53 as the card balance after payment. Then, the balance data in the card balance memory 53 is sent to the card reader / writer 2 to instruct writing to the prepaid card 3. Further, a card ejection command is sent to the card reader / writer 2. As a result, in the card reader / writer 2, the prepaid card 3 in which the card balance after payment is written is ejected from the card insertion / ejection slot 11.

After that, the contents of the area a3 in the transaction data buffer 51 are examined, and if the value is larger than "0", that is, part of the total amount is paid by the prepaid card 3 and there is a balance, the card insertion flag F1 is set to "0". Reset to
Return to ST2. On the other hand, when the content of the area a3 is “0”, that is, when the total amount of money has been paid by the prepaid card 3, the transaction has been established, so the transaction data buffer 51
Is transmitted to the host computer 41 via the communication interface 43 to accumulate sales. Further, the printer 9 issues a receipt. After that, the contents of the transaction data buffer 51 and the card payment amount buffer 52 are cleared, and the card number counter N is cleared to "0". Further, the card insertion flag F1 and the card payment flag F2 are reset to "0" to end one transaction.

FIG. 7 is a flow chart showing the key processing when the collective cancel key 27 is keyed. That is, when the key input of the collective cancel key 27 is detected in ST5 of the process in FIG. 5, the key process in FIG. 7 is started, and first, the printer 9 is driven and controlled to print a predetermined collective cancel on the receipt or the like. To do. Then, the state of the card payment flag F2 is checked. Here, when the flag F2 is reset to “0”, the prepaid card 3 has instructed to cancel the transaction without making a partial payment for the total amount of the transaction. The contents of the data buffer 51 are cleared and one transaction is completed.

On the other hand, when the card payment flag F2 is set to "1", the prepaid card 3 instructs the cancellation of the transaction after making a partial payment for the total amount of the transaction. Therefore, before the transaction is completed, the total amount of payments stored in the card payment amount buffer 52 is calculated, and the total amount is displayed as a refund amount for the card payment amount on each display 7, 8 and the printer The data is printed out on a receipt or the like by 9 (collective cancellation processing means). Further, all card numbers stored in the card payment amount buffer 52 are printed on a receipt or the like to issue a receipt. Then, transaction data buffer 51 and card payment amount buffer 52
Is cleared, the card number counter N is cleared, and the card payment flag F2 is reset to end the transaction.

In either case, the transaction may be instructed with the prepaid card 3 inserted in the card reader / writer 2. Therefore, the card insertion flag F1 is checked before the transaction is completed, and the flag F1 is set to "1". , The card ejection command is sent to the card reader / writer 2 and the flag F1 is reset to “0” to eject the prepaid card 3 from the card insertion / ejection slot 11.

In the apparatus of this embodiment configured in this way, the POS
If the customer purchases the department purchased through the keyboard 5 of the terminal 1, the department code, sales points, and sales amount of the registered product are stored in the area a1 of the transaction data buffer 51 in the order of registration, and one transaction is made. The total points and the total amount of are stored in the areas a2 and a3 of the same buffer 51.
When one customer completes the department registration for all the purchased products and enters the subtotal key 24, the total amount is displayed on each display 7 and 8, and the customer pays for the total amount. Will be done.

Here, when the customer offers to pay a part of the total amount, for example, a fraction of 100 yen or less by the prepaid card 3, and the rest in cash, the cashier first uses the prepaid card 3 received from the customer. Two
Insert the card from the card insertion slot 11. Then, the indicator 7,
Since the balance data of the card 3 is displayed in 8, if the balance data allows payment of a fractional amount of the total amount, the payment amount is set and the card key 26 is keyed. Then, in the card payment amount buffer 52, the payment amount entered numerically is stored together with the card number of the prepaid card 3. Also, the payment amount is reduced from the total amount and the remaining amount is displayed on the display devices 7 and 8.
Furthermore, the payment amount is reduced from the balance data of the prepaid card 3, the reduced card balance is written in the prepaid card 3, and the card 3 is ejected.

After that, the cashier receives cash payment from the customer for the remaining amount displayed on the display devices 7 and 8, and closes the transaction by the deposit / cash total key 25.

On the other hand, when the balance of the prepaid card 3 is insufficient by a fraction of the total amount, the balance of the card 3 is set as the payment amount and the card key 26 is keyed. Then, in the same manner as above, the card payment amount buffer 52 stores the payment amount entered by the entered number together with the card number of the prepaid card 3. Also, the payment amount is reduced from the total amount, and the remaining amount is displayed on the display 7,
Displayed in 8. Further, the amount of payment is reduced from the balance data of the prepaid card 3, the reduced card balance is written in the prepaid card 3, and the card 3 is ejected. Then, the cashier receives the presentation of the second prepaid card 3 from the customer and inserts it into the card reader / writer 2. Then, the card 3 is displayed on the indicators 7 and 8.
The balance data of is displayed, so enter the card key 26 by keying in the remaining balance of the payment amount. Then, the card payment amount buffer 52 stores the payment amount input by the entered number together with the card number of the second prepaid card 3. Also, the payment amount is reduced from the total amount and the remaining amount is displayed on the display devices 7 and 8. Furthermore, the payment amount is reduced from the balance data of the prepaid card 3, the reduced card balance is written in the prepaid card 3, and the card 3 is ejected.

After that, the cashier receives cash payment from the customer for the remaining amount displayed on the display devices 7 and 8, and closes the transaction by the deposit / cash total key 25.

By the way, when the customer offers to cancel the transaction this time after the partial payment is made by the prepaid card 3, the cashier immediately inputs the collective cancellation key 27 by key. Then, the total amount of payment in the card payment buffer 52 is displayed on the displays 7 and 8 as a refund amount for the payment amount of the card and printed on the receipt. In addition, the transaction is printed on the receipt and the card number of the prepaid card 3 is also printed. Therefore, the cashier will return the displayed refund amount to the customer in cash in the drawer 10. In this case, the transaction is canceled before the transaction is completed, and the cumulative sales are not performed to the host computer 41, so that the return registration is not necessary.

Figures 8 and 9 show a total of 10300 yen, which is a fraction of 3
Fig. 8 shows an example of a receipt issued when a customer who pays 00 yen with two prepaid cards 3 cancels the transaction. Fig. 8 shows "100 yen" for the first prepaid card 3 for the time being.
This is an example of discontinuing the transaction when paying
This is an example of canceling the transaction when "300 yen" has been paid together with one prepaid card. In each figure, reference numeral 61 is a refund amount and reference numeral 62 is a card number.

As described above, according to the apparatus of the present embodiment, it is possible to cancel the lump sum after making a partial payment for the total amount of the transaction by the prepaid card 3, so that the customer can use the prepaid card 3 to make a part of the total amount. Even when the customer requests to cancel the transaction after making the payment, it is not necessary to perform the process of closing the transaction by temporarily paying the remaining payment amount from the customer in cash, for example, and then closing the transaction. As a result, it is possible to save the trouble and time for registering the returned merchandise of the canceled transaction, reduce the burden on the cashier, and improve the operability. In addition, the refund amount for the amount paid by the prepaid card 3 is displayed and output on the display devices 7 and 8 and is printed out on the receipt, so that the cashier can make a refund according to the output result, and the refund can be easily done.

Although the refund amount for the amount paid by the prepaid card 3 is refunded in cash in the embodiment, the refund amount is added to the balance data of the prepaid card 3 inserted in the card reader / writer 3 for the refund amount. You may do it. Further, in the above-described embodiment, the present invention is applied to a transaction processing device in which data generated in one transaction is held in the transaction data buffer 51 until the transaction is completed and the sales are accumulated after the transaction is completed. Even if the transaction processing device is of a type that accumulates the data generated in the transaction data buffer 51 and accumulates sales each time, the cumulative sales amount in this transaction is automatically calculated from the contents of the transaction data buffer 51 at the time of batch cancellation. It can be applied by configuring to subtract. In addition, it goes without saying that various modifications can be made without departing from the spirit of the present invention.

[Effects of the Invention] As described in detail above, according to the present invention, when a prepaid card makes a partial payment for the total amount of one transaction and then an instruction to stop the transaction is given, the transaction is collectively canceled. Thus, it is possible to provide a transaction processing device that can perform the above-mentioned processing and eliminates the need for registration of returned goods, can easily refund the amount paid by a prepaid card, and can significantly reduce wasteful time and labor.

[Brief description of drawings]

FIG. 1 is a diagram showing an embodiment of the present invention, FIG. 1 is an external view of the device of this embodiment, FIG. 2 is a key layout diagram of a keyboard,
FIG. 3 is a control block diagram of the apparatus of this embodiment, and FIG. 4 is a RAM.
FIG. 5 to FIG. 7 are main memory block diagrams, FIG. 5 to FIG. 7 are flow charts showing control for one transaction of CPU, and FIG. 8 and FIG. 9 are diagrams showing receipt issuing examples at the time of batch cancellation. 1 …… POS terminal, 2 …… Card reader / writer, 3 …… Prepaid card, 5 …… Keyboard, 26 …… Card key, 27 …… Batch cancel key, 31 …… CPU, 33 …… ROM, 34 …… RAM, 51 ... transaction data buffer, 52 ... card payment amount buffer 53 ... card balance memory.

Claims (1)

(57) [Claims] 1. A total amount memory for storing the total amount of products registered for sale in one transaction, a card reader / writer for writing / reading data to / from a prepaid card in which balance data is recorded, and the prepaid by the card reader / writer. The prepaid card has a card payment amount input means for inputting a payment amount less than the balance data read from the card, and when the payment amount less than the amount in the total amount memory is input by the card payment amount input means. The payment amount is subtracted from the balance data read from, the balance is written to the prepaid card by the card reader / writer, and the payment amount is subtracted from the amount in the total amount memory, and when the balance is zero, the transaction is performed. In the transaction processing device that establishes, the card payment amount input means The payment amount storage means for storing the payment amount input by, the collective cancellation key for instructing to cancel the transaction before the establishment, and the payment amount less than the amount in the total amount memory are input by the card payment amount input means. After that, when the transaction cancellation is instructed by the collective cancellation key, the collective cancellation processing means for performing the collective cancellation processing for the current transaction and displaying the payment amount stored by the payment amount storage means on the display unit. A transaction processing device characterized in that