Prepaid card processing device

• US 5,155,342 A
• Filed: 05/17/1990
• Issued: 10/13/1992
• Est. Priority Date: 07/13/1989
• Status: Expired due to Term

• Current Assignee: Brother Kogyo Kabushiki Kaisha
• Original Assignee: Brother Kogyo Kabushiki Kaisha
• Inventors: Urano, Takayoshi
• Primary Examiner(s): Shepperd, John W.
• Assistant Examiner(s): KESSELL, MICHAEL
• Application Number:
  US07/524,729
• Time in Patent Office: 880 Days
• Field of Search: 235/380, 235/381, 235/379
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/3433 the counter having monetary units
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices

Abstract

A prepaid card processing device for processing a prepaid card has a memory for storing information relating to an account, e.g., of money, and a printing portion on which the information is recorded. A prepaid card processing device has a reading portion for reading the information stored in the card memory; an input portion for inputting a charge amount of money for a transaction; a defrayal information processing portion for calculating the balance amount based on the charge amount inputted by the input portion and for preparing the defrayal information relating to the balance amount and the charge amount; a printing portion for printing defrayal information on the card; and a decision control portion for deciding whether or not the defrayal information is to be printed on the card by the printing portion. When the decision control portion decides that printing need not be performed, no printing on the card occurs. Thereby, the printing space on the card can be effectively utilized.

Claims

1. A card processing device for processing a card having a recording portion on which balance amount information is recorded, the card processing device comprising:

input means for inputting a charge amount to be charged against an account for a transaction;

defrayal information preparing means for calculating a new balance amount of said account based on the charge amount inputted by said input means and a previous balance amount, and for providing defrayal information relating to the new balance amount;

recording means for recording the defrayal information on the recording portion of said card; and

decision control means for controlling at a plurality of decision points whether or not the defrayal information is to be recorded on said card by said recording means for a given transaction on the basis of the new balance amount.

2. A card processing device for processing a card having a memory for storing information relating to an account balance and a recording portion on which balance information is recorded, the card processing device comprising:

reading means for reading the account balance stored in said memory;

input means for inputting a charge amount to be charged against said account balance for a transaction;

defrayal information preparing means for calculating a new balance amount of said account based on the charge amount inputted by said input means and the account balance read by said reading means, and for providing defrayal information relating to the new balance amount;

recording means for recording the defrayal information on the recording portion of said card; and

decision control means for controlling at a plurality of decision points whether or not the defrayal information is to be recorded on said card by said recording means for a given transaction on the basis of the new balance amount.

3. A card processing device as set forth in claim 2, wherein said decision control means comprises a CPU, a ROM and a RAM, and the ROM is provided with programs for deciding whether or not the defrayal information for the transaction is to be recorded on said card.

4. A card processing device as set forth in claim 3, wherein one of the programs provided in said ROM is a decision sub-routine for deciding whether or not the defrayal information is to be recorded on the recording portion of said card by said recording means, said subroutine including means for setting a decision flag indicating whether or not a definite condition has been satisfied for recording the defrayal information.

5. A card processing device as set forth in claim 4, wherein when the decision flag indicates that the definite condition has not been satisfied, said recording means does not record the defrayal information on said card and the card is discharged from said card processing device.

6. A card processing device as set forth in claim 4, wherein said decision control means calculates a plurality of decision values as a basis for the decision of whether recording of the defrayal information should be performed, in accordance with a definite formula based on a number of recording lines remaining available for recording on the card and the new balance amount.

7. A card processing device as set forth in claim 6, wherein after calculating the decision values, said decision control means compares each decision value with the new balance amount after the transaction, and if the balance amount is equal to or less than the decision value the decision flag is set to indicate that the definite condition for recording has been satisfied, and if the balance amount exceeds the decision value, the decision flag is set to indicate that the definite condition for recording has not been satisfied.

8. A card processing device as set forth in claim 6, wherein said decision control means calculates the remaining number of recording lines as the maximum number of recording lines of the card minus the number of already recorded lines and calculates a decision base unit as the balance amount before the transaction divided by the remaining number of recording lines, and further calculates the decision value as the decision base unit multiplied by a number one less than the number of remaining recording lines.

9. A card processing device as set forth in claim 2, further comprising a sheet printing device for printing the charge amount for the transaction on a sheet in said sheet printing device, wherein after said sheet printing device prints the charge amount on a sheet, said decision control means decides whether or not the defrayal information is to be recorded on the recording portion of the card by said recording means.

10. A card processing device as set forth in claim 2, wherein said decision control means uses decision data for deciding whether or not the defrayal information is to be recorded on the recording portion of said card for the transaction.

11. A card processing device as set forth in claim 10, wherein said decision control means includes means for using data indicating the maximum number of recording lines on the recording portion of said card, and data indicating a current number of recorded lines on the recording portion of said card.

12. A card processing device as set forth in claim 10, said device further comprising a storage device for storing said decision data, said decision data comprising a plurality of reference balance values stored in sequence from a smallest value to a largest value in said storage device.

13. A card processing device as set forth in claim 12, wherein said decision control means compares the new balance amount with said reference balance values sequentially from the smallest value until (a) said balance amount is found to be equal to or less than one of said reference values, whereupon recording is performed, or (b) said balance amount is compared with a reference balance amount corresponding to an upper limit address, which corresponds to the largest value in the sequence of reference values to be sequentially compared by the decision control.

14. A card processing device as set forth in claim 13, wherein said upper limit address is determined based upon a remaining number of lines available to be recorded on the card.

15. A card processing device as set forth in claim 10, wherein the reading means includes means for reading said decision data from the memory of said card.

16. A card processing device as set forth in claim 2, wherein said defrayal information is monetary information.

17. A card processing device as set forth in claim 2, wherein said decision control means calculates a plurality of decision values as a basis for the decision of whether recording of the defrayal information should be performed, in accordance with a definite formula based on a number of recording lines remaining available for recording on the card and the new balance amount.

18. A card processing device as set forth in claim 2, further comprising conveying means for conveying said card with respect to said recording means and wherein said decision control means calculates a recording timing for the recording portion of said card based on the maximum number of recording lines on the recording portion and the number of already recorded lines on the recording portion while said card is conveyed by said conveying means.

19. A card processing device as set forth in claim 2, wherein the recording portion has a number of lines for recording the defrayal information, one line being used each time the defrayal information is recorded on the card;

and said decision control means calculates a decision value as a basis for the decision of whether recording of the defrayal information should be performed, in accordance with a formula based on the new balance amount and the number of recording lines remaining for recording on the card.

20. A card processing device as set forth in claim 2, wherein the memory of said card stores a registration number, and the card processing device includes a storage device for storing information relating to the registration number and the balance amount of said account corresponding to the registration number.

21. A card processing device as set forth in claim 20, wherein said defrayal information preparing means adds individual charges of the transaction and calculates the charge amount, and subtracts the charge amount from the balance amount stored in said storage device to calculate a new balance amount after the transaction.

22. A card processing device for printing on the card, wherein identification information on the card is read, an account is thereby discriminated, and a balance amount determination is performed on said account, said device comprising:

information reading means for reading the identification and balance amount information on the card;

input means for inputting a charge amount for a transaction;

information storage means for storing defrayal information relating to the balance amount and the charge amount;

printing means for printing defrayal information on the card; and

decision control means for calculating the balance amount based on the charge amount inputted by said input means and the balance amount information read by the information reading means, and for printing defrayal information on the card via said printing means when the balance amount attains a decision amount which is previously set or calculated based on the defrayal information.

23. A card processing device for processing a card having a memory for storing information relating to an account balance and a recording portion on which information is recorded, the card processing device comprising:

reading means for reading the account balance stored in said memory;

input means for inputting a charge amount to be charged against an account for a transaction;

defrayal information preparing means for calculating a new balance amount of said account based on the charge amount inputted by said input means and the account balance read by the reading means, and for providing defrayal information relating to a new account balance;

recording means for recording the defrayal information on the recording portion of said card; and

decision control means for controlling at a plurality of decision points whether or not the defrayal information is to be recorded on said card by said recording means for a given transaction, said decision control means comprising a means for storing a program for determining if the defrayal information for the given transaction is to be recorded on the card, and wherein said program calculates a decision value as a basis for the decision of whether recording of the defrayal information should be performed in accordance with a formula based on a number of recording lines remaining available for recording on the card and the new balance amount.