Apparatus for settling transactions with card

• US 6,012,635 A
• Filed: 03/20/1996
• Issued: 01/11/2000
• Est. Priority Date: 05/28/1993
• Status: Expired due to Fees

• Current Assignee: Fujitsu Limited
• Original Assignee: Fujitsu Limited
• Inventors: Mori, Seiji, Asai, Rieko, Haseba, Asako, Shimada, Katsumi, Terada, Kyouko, Suzuki, Chizuo
• Primary Examiner(s): LEE, MICHAEL GUNYOUNG
• Application Number:
  US08/618,731
• Time in Patent Office: 1,392 Days
• Field of Search: 235/380, 235/379, 235/375, 235/492, 235/493
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/0036 Checkout procedures
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00

Abstract

A card terminal for settling transactions with a prepaid card or a credit card using comprising a card reader for reading data out of the card, a data writer for writing data on the card, a display for indicating the customer'"'"'s data, transaction data, and stamp points, and a keyboard for inputting sales data, customer'"'"'s data, or stamp point data. The card terminal has at least one of the functions from among inquiring about the transaction, cancellation of the transaction, purchase of commodities, calculation of the service points in accordance with an amount of transaction, display of the personal anniversary of the customer, and writing the details of a transaction, the service points, or personal data, even if the card is prepaid card or a credit card. The service point can be increased in accordance with the convenience of the stores, such as a bonus sales and customer'"'"'s anniversary, by setting a multiple at the card terminal. These multiple functions are automatically and systematically achieved, to realize improved service and quick efficient business.

Claims

1. A point of sales apparatus for settling customer transactions using a card having data about a customer'"'"'s identification data, cumulative service points and the customer'"'"'s anniversary dates, the apparatus comprising:

an automatic card reader having a reader that reads information from said card and a writer that writes information to the card; and

a controller that issues normal service points in accordance with the customer'"'"'s purchase amount by directing said automatic card reader to write a new total amount of service points to said card, said controller further issuing additional service points, in addition to the normal service points, if a present date matches the customer'"'"'s anniversary date recorded on the card by instructing said automatic card reader to write a new total of service points on the card.

2. An apparatus as set forth in claim 1, wherein:

the card contains a cumulative total service points earned by the customer;

the automatic card reader reads the cumulative service points of the card;

the controller calculates additional service points to be issued based on the amount of a current transaction; and

the automatic card reader writes a new cumulative total service points equal to the prior cumulative total service points plus the additional service points into the card.

3. An apparatus as set forth in claim 1, wherein:

the controller sets an optional rate for issuing points.

4. An apparatus as set forth in claim 1, further comprising:

a display that displays a message recognizing the customer'"'"'s anniversary date when the present date matches the customer'"'"'s anniversary date.

5. An apparatus as set forth in claim 1, further comprising:

a sound synthesizer that synthesizes music based on music data; and

a speaker for emitting music, wherein;

said controller selects music data suitable for the anniversary date of the customer and transmits the same to the sound synthesizer.

6. An apparatus as set forth in claim 1, wherein:

the card is a magnetic card.

7. An apparatus as set forth in claim 1, wherein:

the card is a magnetooptic card.

8. An apparatus as set forth in claim 1, wherein:

the card is an integrated circuit card.

9. A point of sales apparatus for settling customer transactions using a card having a customer'"'"'s private data including past transaction data, the apparatus comprising:

an automatic card reader having a reader that reads data from the card and a writer that writes information to the card;

a data storage that stores the data read from the card;

a display that displays the past transaction data read from the card; and

a controller that cancels specific transaction information selected from the past transaction data displayed on the display.

10. An apparatus as set forth in claim 9, wherein:

the card is a magnetic card.

11. An apparatus as set forth in claim 9, wherein:

the card is a magnetooptic card.

12. An apparatus as set forth in claim 9, wherein:

the card is an integrated circuit card.

13. A point of sales apparatus for settling customer transactions using a card having a customer'"'"'s private data including an accumulated service points, the apparatus comprising:

an automatic card reader having a reader that reads data from a customer'"'"'s card and a writer that writes data to the card;

a storage unit that stores the data read from the card;

an input unit that inputs data concerning an amount of a transaction;

a write controller that directs said automatic card reader to write data onto the card;

multiple setting means for setting a multiple to calculate service points according to the amount of a transaction;

a controller, responsive to the recorded data, that calculates service points in accordance with the amount of the transaction and adds the points to cumulative points in the card, by communicating with said write controller, prior to ejecting the card from the apparatus, said controller issuing increased service points according to the multiple and adding the increased points to the cumulative points.

14. An apparatus as set forth in claim 13, wherein:

said controller sets an optional rate for issuing points.

15. An apparatus as set forth in claim 13, wherein:

the card is a magnetic card.

16. An apparatus as set forth in claim 13, wherein:

the card is an integrated circuit card.

17. An apparatus as set forth in claim 13, wherein:

the card is a magnetooptic card.

18. A method for point-of-sales settlement of customer transactions, comprising the steps of:

reading information encoded on a card presented by a customer for settlement of a purchase, the information including a total amount of service points accumulated from past transactions and an anniversary date;

issuing normal service points corresponding to the purchase by writing a new total amount of service points to the card, the new total amount of service points reflecting the normal service points and the total amount of service points accumulated from past transactions; and

issuing additional service points by writing a new total amount of service points to the card when the anniversary date matches a present date, the new total amount of service points reflecting the additional service points and the total amount of service points accumulated from past transactions.

19. A computer-readable medium encoded with a program for point-of-sales settlement of customer transactions, said program comprising the functions of:

reading information encoded on a card presented by a customer for settlement of a purchase, the information including a total amount of service points accumulated from past transactions and an anniversary date;

issuing normal service points corresponding to the purchase by writing a new total amount of service points to the card, the new total amount of service points reflecting the normal service points and the total amount of service points accumulated from past transactions; and

issuing additional service points by writing a new total amount of service points to the card when the anniversary date matches a present date, the new total amount of service points reflecting the additional service points and the total amount of service points accumulated from past transactions.