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Merchant stores/Franchise stores or food courts typically consist of many franchise or food outlets with different owners. If a prepaid system is used, there is an issue of cash settlement among stores, because some stores may collect more cash from reloading customer cards while other stores may give out a lot of products or services without receiving cash.

If it involves a lot of stores and large transaction amounts, a clearing center may be set up to handle the cash settlement.


Since each store can be identified by a branch code, iBonus server can easily generate a daily, weekly, or monthly table showing the total reload value and total purchase value of each store.

Based on the below table, the cash settlement can be done in the following steps:

(1) figure out the average Net $ Amount is $400 ($1200)
(2) based on the average Net$ amount, figure out the cash

difference in each store: store# should receive $120
($400-$280), store #1032 should pay $700
($1100-$400), and store #2102 should receive $580(400-($180).


1002 300 20 20 20 280
1032 1110 30 10 30 1100
2102 300 480 30 30 -180
Total 1710 530 60 80 1200

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