JPH0785234A - Transaction card - Google Patents

Abstract

(57) [Summary] [Purpose] Regarding transaction cards, for the purpose of preventing falsification of transaction cards and increasing the amount of recorded data, [Structure] Magnetic recording unit (10a) for recording predetermined transaction data. And a barcode part (10b) on which a barcode representing a customer identification number is printed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction card and an improvement of a customer management device using the transaction card.

In recent years, transaction cards (customer cards) having magnetic stripes have been issued to customers at large-scale stores, etc., and the total of evaluation points (points) according to the amount of shopping is recorded on the magnetic stripes for each transaction settlement. Services such as issuing gift certificates according to accumulated points are performed every predetermined period.

This service is carried out as a part of investigating the consumption trend of customers. The customer identification number is recorded on the transaction card, the cumulative points are updated for each transaction, and the transaction details are stored together with the customer identification number. It is sent to the host computer and used as investigation / management data.

As described above, magnetic cards are widely used as transaction cards possessed by customers. However, the customer identification number is tampered with and easily misused, or the amount of data that can be recorded is too small to be used in combination with other applications. However, there is a need for a transaction card that solves this problem and a customer management device that uses this transaction card.

[0005]

2. Description of the Related Art FIG. 4 is a configuration diagram of a conventional example, and FIG. 5 is a diagram showing an example of a data format of a magnetic stripe of the conventional example.

FIG. 4 shows a POS system in which the card reader / writer 3 is connected to the POS terminal device 1. In order to perform customer management with this system, a magnetic card 5 for customer management has been issued to the customer in advance, and when paying for the purchased product, the customer submits the purchased product and the magnetic card 5 to the operator. As a result, the operator inserts the magnetic card 5 into the card reader / writer 3 and then purchases transaction data such as the product code, unit price, and quantity of the purchased product,
Input is performed using a bar code reader, keyboard, etc. attached to the OS terminal device 1.

In the POS terminal device 1, the customer identification number and the accumulated points recorded in the magnetic stripe 5a are read from the magnetic card 5 inserted in the card reader / writer 3, and after receipt of the payment, the receipt 6 is returned. At the same time as the issuance, the points of the current transaction are calculated according to the standard defined as points = 1 for 100 yen, for example, 100 yen, and added to the accumulated points read from the magnetic card 5. Then, the new accumulated points are recorded on the magnetic card 5.

FIG. 5 shows the magnetic stripe 5a of the magnetic card 5.
The following is an example of the data format, which usually has a data recording capacity of 72 digits and 69 digits excluding the control data is the usable data amount. Of these, about 10 digits are used as a recording area for customer identification numbers, and a plurality of digits are used as a recording area for accumulated points.

After updating the accumulated points, transaction detail data corresponding to the customer identification number is transmitted to the host computer 2, and the host computer 2 files the transaction details in the customer file 4. The customer file 4 is edited and output as statistical data by an operator operation performed at an appropriate time and used for sales management and the like.

[0010]

The recording capacity of one magnetic card is about 69 bytes, and the total points are recorded on a card for bank withdrawal, or the store name where the total points are updated is recorded. As such, there are limits to its use in various applications. In addition, even if the customer identification number that is magnetically recorded is falsified, it is difficult for the operator to spot it, and various problems are likely to occur in transactions.

In view of the above problems, it is an object of the present invention to provide a transaction card in which the magnetic recording capacity has a margin and the customer identification number is hard to be tampered with, and a transaction device using the transaction card.

[0012]

In order to achieve the above object, the transaction card and the transaction device of the present invention are, as shown in the principle diagram of the present invention of FIG. 1, (1) predetermined transaction data is recorded. A magnetic recording unit 10a,
The transaction card 10 is configured so as to include a barcode portion 10b on which a barcode representing a customer identification code is printed.

(2) The transaction card 10 of the above (1) is constructed such that the total number of points corresponding to the transaction amount is recorded in the magnetic recording unit 10a for each transaction. (3) A customer management device using the transaction card 10 described in (1) and (2) above, which performs reading and writing of the magnetic recording unit and reading of the bar code unit. Based on a bar code reader, a recording processing unit that records predetermined transaction data in the magnetic recording unit, a customer identification code read from the bar code unit, and predetermined transaction data read from the magnetic recording unit. And a customer management unit that manages the customer.

[0014]

[Function] A bar code part 10b is provided on a conventional magnetic card,
The customer identification code is printed on the barcode portion 10b.

As a result, the recording of the customer identification code can be excluded from the magnetic recording section 10a, the amount of recorded data in the magnetic recording section 10a can be increased, and the alteration of the bar code can be visually detected. It is easy to avoid transaction troubles.

If the total number of points given according to the transaction amount is recorded in the magnetic recording unit 10a, it can be effectively used as a transaction card for customer management. The customer management device using the transaction card 10 has a card reader / writer for reading and writing the magnetic recording unit 10a of the transaction card 10 and a bar code reader for reading the bar code unit 10b. Through the card reader / writer, the recording processing unit records predetermined transaction data in the magnetic recording unit, and the customer management unit reads the customer identification code read from the bar code unit by the bar code reader and the magnetic recording unit. Perform predetermined customer management based on predetermined transaction data.

As described above, by printing the customer identification code as a bar code on the conventional magnetic card,
Since the amount of recordable data increases and the customer identification code is a bar code, there is an effect that even if the customer identification code is tampered with, it can be easily seen.

[0018]

FIG. 2 is a block diagram of an embodiment, and FIG. 3 is an operation flowchart. In this embodiment, a POS for cash registration
An example is shown in which accumulated points are recorded on the transaction card of the present invention in the terminal device, and customer management is performed by the host computer based on the customer identification code read from the transaction card.

In FIG. 2, reference numeral 31 denotes a transaction card of this embodiment, which includes a magnetic stripe 33 on which accumulated points are recorded and a bar code portion 32 on which a bar code representing a customer identification number (customer identification code) is printed. To have. Then, an arrow indicating the insertion direction is printed.

The magnetic stripe 33 has the same data amount as that shown in FIG. 5, and the recording area of the accumulated points is the same as the conventional one, and the recording area of the customer identification number is an empty area here. Used for other applications as needed.

Reference numeral 20 denotes a POS terminal device, which performs settlement processing of purchased commodities, calculates accumulated points and records accumulated points in the transaction card 31, and reads the customer identification number (customer identification number from the transaction card 31. Code)
At the same time, the transaction details are transmitted to the host computer 40.

Reference numeral 21 is a transaction data input section, which is composed of a bar code reading device for reading a bar code label attached to a product, a keyboard, and the like. Reference numeral 22 denotes a transaction processing unit, which performs cash registration processing (settlement processing) based on the transaction data input from the input unit 21, and transmits transaction detail data and a customer identification number to the host computer 40.
In addition, the transaction processing unit 22 is transmitted by transmitting the customer identification number.
Constitutes a part of the customer management unit 12 in FIG.

A receipt issuing unit 23 issues a receipt on which transaction details are printed. 24 is a cumulative point processing unit, which adds points according to the transaction amount of this time to the cumulative points read from the magnetic stripe 33 of the transaction card 31, and instructs the transaction card 31 to write the added value as new cumulative points. To do. An interface unit 25 constitutes an interface with the card reader / writer 27.

A card reader / writer 27 connected to the POS terminal device 20 includes a magnetic reading / writing unit 28 for reading / writing the magnetic stripe 33 of the transaction card 31, and a bar code unit.
It is composed of a barcode reading unit 29 for reading 32. And when the transaction card 31 is inserted, the magnetic stripe 33
The head of the bar code reading section 29 is arranged so that the bar code section 32 can be read while sending the cumulative point recording area to the head position of the magnetic reading and writing section 28. 30 is a card insertion slot into which the transaction card 31 is inserted from the direction shown in the drawing.

Reference numeral 40 denotes a host computer, which manages customers together with totalization of transaction data. 42 is a customer file,
Customer identification number, customer address name etc. are registered in advance,
Corresponding to this customer identification number, transaction data transmitted from the POS terminal device 20 for a predetermined period is filed. Reference numeral 41 denotes a customer management unit, which stores the transaction data with the customer identification number transmitted from the POS terminal device 20 in the customer file 42, and by the designated input, the transaction status for each customer (transaction product type, transaction frequency). Then, the management data such as the transition of the transaction status and the transaction status of the entire store is created and output. Also, the barcode print data is issued when the customer identification number is registered.

Although the transaction card 31 is not shown,
Issued by a card issuer (card reader / writer with input function and print function). When customer information such as a customer identification number is input to this card issuing machine, it is registered in the customer file 42 of the host computer 40, then the magnetic stripe 33 is initialized, and bar code print data representing the customer identification number is entered. Is transmitted from the host computer 40 and printed.

The transaction card 31, the card reader / writer 27, the POS terminal device 20, and the host computer configured as described above.
The following processing is performed at the time of trading by 40 etc. See Figure 3 (1) When the customer purchases a product, the operator receives the transaction card 31 from the customer, and the card reader / writer 27
Insert it into the card insertion slot 30 of.

(2) The card reader / writer 27 sends the transaction card 31 to a head of the magnetic reading / writing unit 28 at a predetermined position, for example, a recording area of cumulative points in FIG. As a result, the bar code reading unit 29 can scan and read the bar code 32 of the transaction card 31, converts the code into a customer identification number, sends it to the transaction processing unit 22 via the interface unit 25, and reads it magnetically. The unit 28 reads the accumulated points on the magnetic stripe 33 and sends the accumulated points to the accumulated point processing unit 24 via the interface unit 25.

(3) The operator uses the input unit 21 to register the purchased merchandise, and presses the total key (not shown) when the registration is completed. (4) As a result, the transaction processing unit 22 calculates the total amount and sends it to the cumulative point processing unit 24, and the cumulative point processing unit 24
The points for this transaction are calculated from the preset amount per point and the total amount, and the new cumulative points = cumulative points read from the transaction card + current points are calculated. (5) Card reader / writer 27 The new accumulated points are written in the recording area of accumulated points.

(6) On the other hand, the transaction processing section 22 instructs the receipt issuing section 23 to issue transaction receipts by instructing the transaction detail data, and (7) sends the customer identification number and transaction detail data to the host computer 40. It should be noted that this transaction data may be transmitted together with other transaction data after the work is completed.

As described above, the host computer 40 receives the transaction detail data corresponding to the customer identification number and files it in the customer file 42, and later edits and outputs the customer management data such as transaction status by the designated input. become.

As described above, customer management can be performed by the transaction card 31 in which the bar code representing the customer identification number is printed on the magnetic card. Even if the bar code 32 of the transaction card 31 is tampered with, the operator can easily detect it when inserting it, and transaction troubles can be avoided. In addition, the conventional 10-digit data area storing the customer identification number can be used for other applications, and the range of application as a transaction card can be expanded.

The card reader / writer 27 of the embodiment has been described as one in which the magnetic reading / writing unit 28 and the bar code reading unit 29 are integrated, but they may be separate units. In particular, if the input section 21 is composed of a bar code reader, the card reader / writer 27 is composed of only the magnetic reader section 28, and the bar code section 10b of the transaction card 31 is read by the input section 21. May be.

Further, in the above, only the customer identification number is printed as the bar code portion 32, but if the data is fixed such as a store name, it may be represented by a bar code within the data recordable range of the bar code 32.

In addition to being applied to a transaction card for recording accumulated points, it is needless to say that it can be applied to all conventional magnetic cards in which a customer identification number is recorded on a magnetic stripe.

[0036]

As described above, the transaction card of the present invention represents the customer identification number recorded on the conventional magnetic card as a bar code, and can be easily detected even if the customer identification number is falsified. In addition, the data of the customer identification number increases the recording capacity of the magnetic recording unit, so that it can be used for other applications.

[Brief description of drawings]

FIG. 1 is a principle diagram of the present invention.

FIG. 2 is a configuration diagram of an embodiment.

[Fig. 3] Operation flowchart diagram

FIG. 4 is a block diagram of a conventional example

FIG. 5 is a diagram showing a data format example of a conventional magnetic stripe.

[Explanation of symbols]

1 POS terminal device 2 Host computer 3 Card reader / writer 4 Customer file 5 Magnetic card 5a Magnetic stripe 6 Receipt 10 Transaction card 10a Magnetic recording unit 10b Bar code unit 12 Customer management unit 13 Recording processing unit 14 Transaction processing unit 20 POS terminal device 21 Input section 22 Transaction processing section 23 Receipt issuing section 24 Cumulative point processing section 25 Interface section 27 Card reader / writer 28 Magnetic reading / writing section 29 Bar code reading section 30 Card insertion slot 31 Transaction card 32 Bar code section 33 Magnetic stripe 40 Host computer 41 Customer management department 42 Customer file

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI technical display location G07G 1/12

Claims (3)

[Claims] 1. A transaction card comprising: a magnetic recording section (10a) for recording predetermined transaction data; and a bar code section (10b) printed with a bar code representing a customer identification code. 2. The transaction card according to claim 1, wherein the cumulative total of points given according to the transaction amount is recorded in the magnetic recording unit as predetermined transaction data for each transaction. 3. A customer management device for managing customers based on a transaction card having the magnetic recording section and the bar code section according to claim 1 or 2, wherein the card reader reads and writes the magnetic recording section. A writer, a bar code reader for reading the bar code part, a recording processing part for recording predetermined transaction data in the magnetic recording part, a customer identification code read from the bar code part and the magnetic recording part A customer management device comprising: a customer management unit that performs predetermined customer management based on the read predetermined transaction data.