JPH08297703A - Cash card settlement system - Google Patents

Abstract

PURPOSE: To provide a cash card settlement system which is available to any person who owns a cash card by securing previously correspondence between the cash card owner codes issued by banks and the member codes of a prescribed group. CONSTITUTION: The information recorded on the employee and bank cards are read at a card reading part 11 of a POS terminal 1. If a bank card is decided, this card number is converted into an ID(identification) number given to an employee of a company that applies a cash card settlement system. The operation of this conversion is carried out based on the information stored in a card/ID number table 3. If an employee number is decided, the employee code (ID number) of the employee card is identified. Then the identified ID number is sent to a settlement processing part 5 together with the information on the purchase amount of money, the commodities, the POS terminal number, etc.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash card payment system, and more particularly to a cash card payment system for carrying out payment processing based on resources set in a specific group by a cash card issued by a bank.

[0002]

2. Description of the Related Art For example, in an employee cafeteria, an employee number uniquely assigned to each employee is magnetically recorded as a cashless system for eliminating the complexity of payment settlement and settlement processing. A POS system using a card is generally adopted. In such a system, an operator uses a register as a POS terminal to enter the amount of a product selected and purchased by an employee,
The amount of money spent is processed by the computer on the center side and deducted from the employee's salary. Such a system is not limited to the employee cafeteria, but is also applied to other usage and purchase systems by giving a unique identification number (ID) to the members constituting one group.

On the other hand, instead of the POS system using a specific card corresponding to each group to which a user belongs as described above, a cash card issued for each bank system is used instead of the employee card for settlement by a cash card. The system has also been put into practical use in recent years (Japanese Patent Laid-Open No. 6-456).
(See No. 3). In such a system, at a retail store (member store) that is a member of the bank POS system, when a customer pays for the price of a product purchased by the customer, a cash card issued by the customer's bank is set at the POS terminal installed in the member store. The corresponding purchase amount is deducted from the customer's bank account by transmitting the read cash card data, the sales data of the product, etc. to the center computer on the bank side via the line.

[0004]

As described above, the conventional payment system using a card uses an employee card issued by a company or the like, or a cash card issued by a bank. It is necessary to belong to a specific group such as a company or a bank, and there is a problem in versatility. For example, it can be used only by an employee of the company that issues the employee card, and cannot be used unless you have an account at the bank that issues the cash card, and you have to make payment in cash. I don't get it.

In order to extend the convenience of a payment system using a cash card, personal information such as an employee number may be newly recorded on a magnetic stripe on the back surface of the cash card. There is a problem in that personal information must be recorded on a cash card one by one, which is not only time-consuming, but also costly.

Therefore, an object of the present invention is to make a cash card payment that does not require separate recording of personal information such as an employee number and can be used by anyone who owns a cash card issued by the bank. To provide a system.

Another object of the present invention is to provide a cash card settlement system that can be used with cash cards issued by banks other than the bank that issued the cash card.

[0008]

In order to solve the above-mentioned problems, the cash card payment system of the present invention reads the owner code from the card in which the owner code corresponding to the owner is recorded, and the purchase amount. In the cash card payment system that performs the payment processing of, the owner code of the bank account information etc. recorded on the cash card issued by the bank and the group recorded on the group card issued by the predetermined group The member code including the member number of the member is associated in advance, the owner code of the cash card is read, and the member code corresponding to the read owner code is obtained from the association. Settlement of purchase amount from a predetermined resource set in the predetermined group of members to which a member code is given Cash card payment system which is characterized in that conduct.

Here, the group is a company, the members can be employees, and the operation is performed only when the cash card and the group card are identified and the cash card is identified. Can be done. Furthermore, at least one of a mode that enables use of only the cash card, a mode that enables use of only the group card, or a mode that enables use of both the cash card and the group card. The function of setting the mode is provided, and the predetermined resource is a salary or a deposit set in the group. Further, the cash card stores a member code given to each of the groups, and the operation is performed for each group corresponding to the read member code. The bank code assigned to each bank is recorded, and the above operation can be performed for each bank corresponding to the read bank code.

[0010]

According to the present invention, the owner code such as the account information of the bank recorded on the cash card issued by the bank and the members of the members of the group recorded on the group card issued by the predetermined group The member code including the number is associated in advance, the member code corresponding to the owner code read from the cash card is obtained from the above association, and the member code to which the obtained member code is given Settle the purchase price from the resources set within the group.

[0011]

Embodiments of the present invention will now be described with reference to the drawings. FIG. 1 is a configuration block diagram showing an embodiment of a cash card payment system according to the present invention.

The cash card payment system according to the present embodiment is a card reading section 11 for reading card information (eg, bank card, employee card) possessed by a user, which is magnetically recorded on a magnetic stripe. , A POS terminal 1 that is provided with a display unit 12 that displays various information and that inputs information such as prices of purchased goods and services, etc. (a plurality of POS terminals is usually installed, but one is installed in this embodiment)
And the card type, bank card number, employee card ID based on the card information read by the card reading unit 11.
Identify the number etc., judge its eligibility, etc., and finally ID
In addition to outputting the number, the control unit 2 that outputs the information such as the purchase amount and the purchased product input from the POS terminal 1, the bank card number of the user who owns the bank card, and the ID number of the employee card correspond in advance. Based on the card number-ID number table 3 that is attached and stored in a table format, and the salary of the user who has the ID number based on the information such as the ID number, the purchase price, and the product sent from the control unit 2, A payment processing unit 5 for performing payment processing for deducting the purchase amount,
It has a settlement memory 6 for storing the settlement contents (amount, goods, services, etc.). The target card selection unit 4 is operated when the application of the present system is limited to the use of the employee card or the bank card, or when the employee card and the bank card are used together.

FIG. 2 is a flow chart showing the operation processing procedure in this embodiment. First, the card reading unit 11 of the POS terminal 1 reads the card information recorded on the employee card or the bank card (step S).
1). Recording of the card information on the card is usually recorded on a magnetic stripe formed on the card, and in the following description of this embodiment, the card information is recorded on the magnetic stripe. However, it may be stored in an IC circuit (memory) like an IC card, or may be recorded by any other method, as a matter of course.

Returning to the explanation of the flow chart of FIG. 2, based on the card information read by the card reading section 11, it is judged in step S2 whether or not the card information conforms to a predetermined card format. To be done.
If the card format does not match, an error message indicating that the card format does not match is displayed on the display unit 12 attached to the POS terminal 1.

When it is determined in step S2 that the card format is suitable, it is determined whether or not the currently used system is set in a mode limited to use of employee cards only (step S3). This mode is set by an input from the target card selection unit 4 in FIG. In this embodiment, the use of only the employee card and the use of both the employee card and the bank card will be described, but it goes without saying that the use of only the bank card is also possible.

When it is determined in step S3 that the use of the bank card is not the only limitation, it is determined whether the card read by the POS terminal 1 is a bank card or an employee card (step S4).

If it is determined in step S4 that the card is a bank card, or if it is determined in step S3 that the mode is the bank card only setting mode, the contents of the card information of the bank card are checked (step S5). . If the bank card is not valid, the display unit 12 displays an error message. The bank card can also be checked by collating it with regular information registered in advance. Further, it is also determined whether or not the card is an accident card, and if the card has a problem that it cannot be used, an error is displayed on the display unit 12. Then the card number (bank code,
The branch code, account type, account number, etc.) are identified (step S6).

The card number obtained in step S6 is the employee (part-time job) of the company to which the system is applied.
It is converted into an identification number (ID number) given to a person other than a regular employee such as a part (step S7).
The conversion into the ID number is performed based on the information stored in the card number-ID number table 3. That is, in this table 3, as shown in FIG. 1, the card number of the bank card and the ID number of the employee card are stored in advance in a table format in a one-to-one correspondence, and the bank card number obtained in step S6. The ID number of the employee card corresponding to is read.

If the employee card is determined in step S4, the employee card is checked (step S9). This employee card check is performed, for example, by identifying the expiration date, the company code, and the employee code (ID number).
When the expiration date has passed or the purchase is impossible due to the purchase restriction specified by the employee code card category, an error message indicating that fact is displayed on the display unit 12. This purchase restriction includes, for example, part-time workers and part-time workers who can use the cafeteria but cannot use the shop, and have different discount rates for product prices. When it is determined in step S9 that the employee card is valid, the employee code (ID number) of the employee card is identified (step S10). The above processing can be performed by the control unit 2 in FIG.

The ID number obtained in step S7 or S10 is the purchase price, product, service type, POS.
Information such as the terminal number is sent to the settlement processing unit 5, and settlement processing such as deduction from the salary of the employee who is the card holder is performed. This settlement process can be not only a withdrawal process from the employee's salary but also a withdrawal process from the company deposit, and settlement based on any source set within a specific group (company) is possible. . Also,
Linking with farm banking is also possible.

The contents of the settlement performed in this way are stored in a storage medium together with information on the purchase price, the type of goods, the type of service, and the POS terminal number, and can be used as basic data for subsequent processing.

Regarding the POS terminal, it is possible to adopt a cashier settlement method or a self-settlement method depending on the number of users and the operating system. It can also be used in combination with cash or prepaid cards.

[0023]

As described above, according to the cash card payment system of the present invention, it is possible to specify a bank card (cash card) issued by a normal bank without any modification or new information recording. It becomes possible to use the computer payment system within the company, and a simple cashless payment system can be realized at low cost. Further, since it can be used in combination with an employee card, it can be used by users who do not have a bank card, and the usability thereof is greatly expanded.

[Brief description of drawings]

FIG. 1 is a configuration block diagram showing an embodiment of a cash card payment system according to the present invention.

FIG. 2 is a flowchart showing an operation processing procedure in the embodiment of the present invention.

[Explanation of symbols]

 1 POS terminal 2 control unit 3 bank card number-ID number table 4 target card selection unit 5 payment processing unit 6 payment memory

 ─────────────────────────────────────────────────── ─── Continuation of the front page (72) Inventor Toshiharu Yoshida 2-6-1 Kitamikata, Takatsu-ku, Kawasaki-shi, Kanagawa Nitsuko Corporation (72) Inventor Tetsuhiko Saito 1-Otemachi, Chiyoda-ku, Tokyo 1- 5-5 Inside Fuji Bank, Ltd. (72) Inventor Yukari Tsumaki 1-5-5 Otemachi, Chiyoda-ku, Tokyo Inside Fuji Bank, Ltd.

Claims (8)

[Claims] 1. A cash card payment system that reads the owner code from a card on which an owner code corresponding to the owner is recorded and performs payment processing for the purchase amount, and the payment is recorded on a cash card issued by a bank. The bank account information of the bank in question is associated with the member code including the member number of the member of the group recorded in the group card issued by the predetermined group in advance, and the cash card The owner code is read, the member code corresponding to the read owner code is obtained from the association, and the member code to which the obtained member code is assigned is set in the predetermined group of members. A cash card payment system characterized by the payment of the purchase amount from the source of 2. The cash card payment system according to claim 1, wherein the group is a company and the members are employees. 3. The cash card payment system according to claim 1, wherein the cash card and the group card are identified, and the operation is performed only when the cash card is identified. 4. A mode in which only the cash card can be used, a mode in which only the group card can be used, or a mode in which both the cash card and the group card can be used, The cash card payment system according to claim 1, which has a function of setting at least one mode. 5. The cash card payment system according to claim 1, wherein the predetermined resource is a salary. 6. The cash card payment system according to claim 1, wherein the predetermined resource is a deposit set in the group. 7. The cash card stores a member code assigned to each group, and the operation is performed for each group corresponding to the read member code. The described cash card payment system. 8. The bank code given to each bank is recorded on the bank card, and the operation is performed for each bank corresponding to the read bank code. Cash card payment system.