JP2001307169A - Method and device for transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To lessen the amount of damage within a fixed amount even if a portable medium holding electronic currency should be lost or stolen and to adjust a settlement waiting time by completing final settling processing for a sheet of portable medium always within a fixed period. SOLUTION: A transportable medium 50 capable of storing electronic currency is provided with a remainder upper limit setting part 11 for setting the upper limit amount of an electronic currency remainder in this medium 50, a transaction processing part 15 for performing transaction using the medium 50, a remainder calculation part 16 for calculating a new remainder after performing a transaction by this part 15, a judging part 17 for judging whether the calculated new remainder exceeds the upper limit, a refund amount calculation part 18 for calculating an amount exceeding the upper limit amount as a refund amount in the case of judging the new remainder exceeds the upper limit amount and cash releasing parts 36 and 37 for paying the refund amount to a customer in cash.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a totalizer for voting by purchasing cash-less voting tickets (winning horse voting tickets, car tickets, boat tickets, etc.) for public sports such as horse racing, bicycle racing, boat racing, and auto racing. The present invention relates to a transaction method and a transaction device suitable for use in a system.

[0002]

2. Description of the Related Art In general, in a totalizer system that manages and supports the sale, refund, and counting of voting tickets in order to manage public competitions, processing such as voting ticket sales and clearing of refunds is performed by voting ticket vending machines and This is performed using an on-site terminal such as an automatic teller machine or a home terminal such as a personal computer or a telephone.
The exchange of the voting ticket purchase price and the refund is performed in cash at the on-site terminal, and is performed in a cashless method such as account transfer at the home terminal.

[0003]

By the way, in the future, cashless is expected to be promoted also in the terminal in the hall, but transactions such as refund of voting tickets, sales and hit voting tickets in public sports stadiums are expected. Use an IC card (portable medium) that can store, for example, electronic money (electronic currency defined as an electronic symbol of currency) for users (hereinafter sometimes referred to as fans) in order to perform processing without cash At present, there are the following problems.

[0004] If a voting ticket is purchased each time a race is taken, the IC card is frequently taken in and out, the storage of the IC card becomes easy, and the possibility of the IC card being lost increases. Then, it is easy to encounter damage such as pickpockets in the crowd. Therefore, the reimbursement amount of the high-value payout voting ticket is directly written on the IC card as electronic money, and if the electronic money balance in the IC card becomes large, the loss amount in case of loss or theft of the card is large. . ,

[0005] Furthermore, if there is no limit on the balance upper limit in the IC card, it takes time to settle the IC card on which a large amount of balance has been written. The waiting time of the fans becomes longer. The present invention has been made in view of such a problem, and can reduce the amount of damage within a certain amount even if a portable medium holding an electronic currency is lost or stolen. In addition, the final settlement process for one portable medium (cash processing of electronic currency in the portable medium) can always be completed within a fixed time so that the settlement waiting time can be adjusted. It is an object to provide a transaction method and a transaction device.

[0006]

To achieve the above object, the transaction method of the present invention (claim 1) can store an electronic currency owned by a customer and defined as an electronic symbol of the currency. A balance upper limit setting step of setting an upper limit of an electronic currency balance in the portable medium for a portable medium; a transaction step of performing a transaction using the portable medium; and a transaction step of performing a transaction in the transaction step. A balance calculating step of calculating a new electronic currency balance in a portable medium; a determining step of determining whether the new electronic currency balance calculated in the balance calculating step exceeds the upper limit; and If it is determined that the amount exceeds the upper limit, a refund amount calculating step of calculating the amount exceeding the upper limit as a refund amount; It is characterized in that it comprises a cash release step to be paid to the customer at.

[0007] The transaction device of the present invention (claim 6)
For a portable medium owned by a customer and capable of storing an electronic currency defined as an electronic symbol of the currency, a balance upper limit setting unit for setting an upper limit of an electronic currency balance in the portable medium; A transaction processing unit for performing a transaction using the medium, a balance calculation unit for calculating a new electronic currency balance in the portable medium after performing a transaction in the transaction processing unit,
A determining unit for determining whether the new electronic currency balance calculated by the balance calculating unit exceeds the upper limit amount, and an amount exceeding the upper limit amount when the determining unit determines that the upper limit amount is exceeded. Is calculated as a refund amount, and a cash release unit that pays the customer with the refund amount calculated by the refund amount calculation unit to the customer.

At this time, in the balance upper limit setting step (the balance upper limit setting section), the upper limit may be automatically set (claims 2 and 7), or the upper limit may be set and input by the customer. (Claims 3 and 8). In the case where the customer is a refund applicant for the hit voting ticket and the refund process for the hit voting ticket is performed as the transaction in the transaction step (the transaction processing unit), the balance calculation step (the balance calculation unit) In), the new electronic currency balance may be calculated by adding a refund amount to the old electronic currency balance of the portable medium.

Further, the customer wishes to purchase a new voting ticket at the same time as the refund of the hit voting ticket, and in the transaction step (the transaction processing unit), performs the refund processing of the hit voting ticket as the transaction. When the new voting ticket is issued at the same time, a refund amount is added to the old electronic currency balance of the portable medium in the balance calculation step (the balance calculation unit), and the purchase of the new voting ticket is performed based on the total value. The new electronic currency balance may be calculated by subtracting the amount.
0).

[0010] The above-described transaction method of the present invention (claims 1 to 5)
5) and the transaction device (claims 6 to 10) set the upper limit of the electronic currency balance in the portable medium, and according to the transaction using the portable medium, the electronic currency balance of the portable medium increases the upper limit of the electronic currency balance. Is exceeded, the customer is immediately paid in cash in excess of the limit.

[0011]

Embodiments of the present invention will be described below with reference to the drawings. In the present embodiment, for example, in a totalizer system that handles voting tickets (winning horse voting tickets, car tickets, boat tickets, etc.) for public sports such as horse racing, bicycle racing, boat racing, auto racing, etc. A case where the present invention is applied to an automatic dispenser that performs transaction processing such as refund of a middle betting ticket will be described. In the following description, a customer who uses the automatic teller machine is referred to as a fan.

In this embodiment, in order to make the transaction processing by the automatic dispenser as described above cashless,
The following description is based on the assumption that an IC card capable of storing electronic money (electronic currency defined as an electronic symbol of currency) is used as a portable medium. First, the hardware configuration of the transaction apparatus (automatic dispenser) of the present embodiment will be described with reference to FIG.

FIG. 2 is a block diagram showing the hardware configuration. As shown in FIG. 2, the automatic dispenser 1 issues a voting ticket 61 (see FIG. 2) and a hit voting ticket 62 as described above. (Refer to Fig. 2)
As will be described later, the MPU 10 and the memory 20 perform processing on the IC card 50 (see FIG. 2), issue / read processing of the IC card authentication ticket 60 (see FIG. 2), and balance settlement processing of the IC card 50. , Color screen touch panel 31, audio unit 32, IC card unit 3
3. Betting ticket issuing unit 34, betting ticket reading unit 3
5, a bill recycle unit 36, a coin recycle unit 37, a voting card reading unit 38, a note copy unit 39, a host connection unit 40, a bus line 41, and a power supply unit 42.

The MPU 10 manages the operation of the automatic dispensing machine 1 in general. In the present embodiment, the MPU 10 performs various functions described later with reference to FIG.
M) 20 stores programs and data necessary for the MPU 10 to perform various functions.

The color screen touch panel 31 displays the betting ticket 6
Various displays are provided to provide operation guidance to a fan who purchases 1 or repays the hit voting ticket 62, and the fan operates to input various data (such as a password / password and a balance upper limit amount). It is for. The audio unit 32 gives an audio notification to the fan in order to provide operation guidance to the fan.

The IC card unit 33 includes an IC card 5
0 is attached, and access (reading / writing of data, for example, balance information of electronic money) to the IC card 50 is performed in accordance with an instruction from the MPU 10. The voting ticket issuing unit 34 performs a function of creating and issuing a predetermined voting ticket 61 by printing on a blank voting ticket in accordance with the instruction of the MPU 10 as usual (a function as a voting ticket issuing unit). In the embodiment, as will be described later with reference to FIG. 2, a function of issuing an IC card authentication ticket 60 using a blank ballot (a function as an authentication ticket issuing unit) is performed.

The betting ticket reading unit 35 inserts the hitting betting ticket 62 by a fan when paying out the hitting betting ticket 62 as usual, reads information recorded on the hitting betting ticket 62, and (A function as a betting ticket reading unit), and in the present embodiment, as described later with reference to FIG.
Even when 0 is inserted, the function of reading the identification information (password / password) recorded on the IC card authentication ticket 60 and notifying the MPU 10 (function as an identification information reading unit) is performed.

The bill recirculation unit 36 and the coin recycle unit 37 handle bills and coins, respectively, and identify and count cash (banknotes and coins; reference numeral 80 in FIG. 1) inserted from outside (as a deposit processing unit). And a function of identifying and counting cash (banknotes and coins) to be paid to the fan and releasing the same to the outside (function as a cash releasing unit) in accordance with an instruction from the MPU 10.

The voting card reading unit 38 includes a voting ticket 6
At the time of purchase, a voting card (voting OMR card; see reference numeral 70 in FIG. 1) in which voting ticket information desired to be purchased is inserted in advance, reads the contents described in the voting card 70, and notifies the MPU 10 Is what you do. In addition,
The voting card 70 is a general mark sheet, and the voting card reading unit 38 is a general OMR (Optical).
Mark Reader).

It should be noted that the note ticket unit 39 is provided with the automatic dispenser 1
The host connection unit 40 is for connecting to a host computer (not shown) when the automatic dispensing machine 1 is used as a terminal device of a totalizer system.
The bus line 41 connects the MPU 10, the memory 20, and the units described with reference numerals 31 to 40 to each other so as to communicate with each other.
Is for supplying necessary power to each section in the automatic dispensing machine 1.

Next, the functional configuration of the automatic dispensing machine 1 of the present embodiment (the function performed by the MPU 10) will be described with reference to FIG. FIG. 1 is a block diagram showing the functional configuration. FIG. 1 shows only those components of the hardware configuration described in FIG. 2 that directly relate to the features of the present invention.

As shown in FIG. 1, the MPU 10 in the automatic dispenser 1 of the present embodiment includes a balance upper limit setting unit 11, a balance recording unit 12, an identification information setting unit 13, a collating unit 14, a transaction processing unit 15, a balance It functions as the calculation unit 16, the determination unit 17, and the payout amount calculation unit 18. These functions are realized, for example, by the MPU 10 executing a program stored in the memory 20 (see FIG. 2).

The balance upper limit setting unit 11 distributes the IC card unit 33 in the public stadium as will be described later.
The IC card 50 inserted into the
0, the upper limit amount of the electronic money balance that can be held is determined, and the upper limit amount is set through the IC card unit 33.
This is set on the C card 50. Here, as a method of determining the upper limit, a method of automatically determining the upper limit amount setting unit 11 and a method of determining the amount input by operating the color screen touch panel 31 by the fan as the upper limit amount. However, in the present embodiment, the latter method, that is, a method in which the fan sets and inputs the upper limit by himself is adopted.

The balance recording unit 12 stores the amount of cash deposited in the units 36 and 37 functioning as a deposit processing unit for the IC card 50 distributed in the public stadium and inserted into the IC card unit 33 as described later. Is recorded as an electronic money balance. At this time, the balance recording unit 12 records the balance on the IC card 50 via the IC card unit 33.

The identification information setting section 13 determines and sets identification information (a password / password) to be input when conducting a transaction using the IC card 50. Here, as a method of determining the identification information, there are a method of automatically generating the identification information by the identification information setting unit 13 and a method of determining information input by a fan operating the color screen touch panel 31 as the identification information. .

However, as in the former case, the identification information setting unit 13
When the automatically generated identification information is used, manual input of the identification information becomes impossible thereafter. The identification information setting unit 13
Is determined by the IC card unit 33.
Is set in the IC card 50 through the memory 20 in the automatic dispensing machine 1 or the memory on the host computer side.
It may be stored.

In the automatic dispensing machine 1 of the present embodiment,
The voting ticket issuing unit 34 functions as an authentication ticket issuing unit that creates an IC card authentication ticket 60 recording the identification information set by the identification information setting unit 13 and issues it to the fan, and identifies the card as a blank ballot ticket. The authentication ticket 60 is created by recording the information. In the automatic dispenser 1 of the present embodiment, the betting ticket reading unit 35 functions as an identification information reading unit that reads the identification information recorded on the IC card authentication ticket 60 inserted by the fan.

The collating unit 14 collates the identification information read by the betting ticket reading unit 35 with the identification information preset for the IC card 50.
The transaction processing unit 15 performs a transaction using the IC card 50 when the identification information matches in the matching unit 14. Here, the transaction performed by the transaction processing unit 15 includes, for example, issuance of a betting ticket 61, refund of a
There is a final settlement of the card 50 (a process of cashing out the entire electronic money balance) and the like.

When the voting ticket 61 is issued, the information written in the voting card 70 by the fan is read by the voting card reading unit 38, and based on the read result, the transaction processing unit 15 issues an instruction to issue the voting ticket 61. This is performed for the betting ticket issuing unit 34. At this time, the voting ticket 61 is issued within a range in which the purchase amount of the voting ticket 61 does not exceed the electronic money balance, with the electronic money balance of the IC card 50 as a limit.

When paying out the hit betting ticket 62, information on the hit betting ticket 62 inserted by the fan is read by the betting ticket reading unit 35, and based on the read result, the transaction processing unit 15 executes the payout processing. At this time, even if the refund amount is determined, the refund amount is not immediately refunded to the IC card 50. In the present embodiment, the balance calculation unit 16, the determination unit 17, and the refund amount calculation unit 18 Move on to processing.

The balance calculating unit 16 calculates a new electronic money balance (hereinafter, referred to as a new balance) in the IC card 50 after the transaction is performed by the transaction processing unit 15.
At this time, if the fan desires the refund of the hit voting ticket 62 and performs the refund processing of the hit voting ticket 62 in the transaction processing unit 15, the balance calculation unit 16 determines the old electronic money balance of the IC card 50 (hereinafter referred to as the balance). , The old balance) to calculate the new balance.

Further, the fan desires to purchase the new voting ticket 61 at the same time as the repayment of the hit voting ticket 62, and the transaction processing unit 15 performs the refund processing of the hit voting ticket 62 and the new voting ticket 6 at the same time.
1 has been issued, the balance calculation unit 16
The reimbursement amount is added to the old balance of the card 50, and the purchase amount of the new voting ticket 61 is subtracted from the total value to calculate a new balance.

The determination unit 17 determines whether the new balance calculated by the balance calculation unit 16 exceeds the balance upper limit set on the IC card 50. Refund amount calculator 1
8, when the determination unit 17 determines that the balance exceeds the upper limit, the amount exceeding the balance upper limit is calculated as a reimbursement amount. With the functioning units 36 and 37, the rebate amount calculated by the rebate amount calculation unit 18 is paid to the fan as cash 80.

Next, the operation of the automatic dispensing machine 1 according to the present embodiment configured as described above will be described with reference to FIGS. First, the flow of basic processing by the automatic dispensing machine 1 of the present embodiment will be described with reference to FIGS. Here, FIG. 3 shows the IC card 50 and the IC card authentication ticket 60 in the automatic dispenser 1 of the present embodiment.
FIG. 4 is a flowchart (steps S0 to S7) for explaining the issuance procedure, and FIG. 4 is a flowchart (steps S11 to S16) for explaining the operation at the time of the transaction processing in the automatic dispensing machine 1 of the present embodiment. .

As shown in FIG. 3, when a fan who has entered the public stadium wishes to conduct cashless transactions using the IC card 50, a fan with zero balance placed beside the automatic dispenser 1 or the like. After obtaining the card 50 (distribution step S0), the IC card 50 is
C card unit 33 (step S
1) Deposit the amount of cash to be stored in the IC card 50 into the units 36 and 37 (step S2).

In the automatic dispensing machine 1, the upper limit of the electronic money balance in the IC card 50 is set in the IC card 50 (balance upper limit setting step S3), and the IC card 50 having a zero balance is paid by the fan. The cash amount is recorded as an electronic money balance (balance recording step S4).

Then, identification information to be input when using the IC card 50 is set (identification information setting step S5),
By recording the identification information set here on the blank ballot, an IC card authentication ticket 60 is created and issued to the fan (authentication ticket issuing step S6), and the IC card 50 is sent out and returned to the fan. (Step S7), IC
The issuing process of the card 50 and the IC card authentication ticket 60 ends.

After the issuance of the IC card 50 or the IC card authentication ticket 60, when the fan conducts a transaction using the IC card 50, the fan inserts the IC card 50 and the IC card authentication ticket 60 into the automatic dispenser 1, The operation is performed while referring to the display on the color screen touch panel 31 of the automatic dispenser 1.

At the time of transaction processing, in the automatic dispenser 1, first, as shown in FIG. 4, the identification information recorded on the IC card authentication ticket 60 inserted by the fan and the identification information set for the IC card 50 are exchanged. Check (check step S1
1) If the identification information matches in the collation step S11, a transaction using the IC card 50 (issuing the voting ticket 61 or repaying the hit voting ticket 62) is performed (transaction step S12).

After conducting the transaction in the transaction step S12,
A new balance to be recorded on the IC card 50 is calculated (balance calculation step S13), and it is determined whether the new balance calculated in the balance calculation step S13 exceeds the balance upper limit (determination step S14). If it is determined in the determination step S13 that the amount exceeds the balance upper limit, the amount exceeding the balance upper limit is calculated as a refund amount (refund amount calculation step S15).

Then, the rebate amount calculated in the rebate amount calculation step S15 is paid to the fan in cash (cash release step S16). If it is determined in the determination step S13 that the balance does not exceed the upper limit, the new balance calculated in the balance calculation step S13 is recorded on the IC card 50 as it is.

Next, referring to FIGS. 5 to 9,
A more specific operation of the automatic dispensing machine 1 of the present embodiment will be described. First, FIG. 5 is a diagram for explaining an operation of issuing the IC card 50 and the IC card authentication ticket 60 in the automatic dispenser 1 of the present embodiment. As shown in FIG. At the time, after the fan enters the public stadium, the fan obtains the IC card 50 placed beside the automatic dispenser 1 and initialized to zero balance, and obtains the IC card.
Insert the card 50 into the automatic dispenser 1 (arrow A
1), purchase funds (cash 80) and prepare the automatic dispenser 1
(See arrow A2).

Then, on the color screen touch panel 31 of the automatic dispenser 1, a screen for input guidance of the upper limit (maximum value) of the card balance is displayed, and the fan refers to the screen to refer to the screen. By operating the key 31a, the balance upper limit (here, 100,000 yen) is input.

Next, on the color screen touch panel 31, a screen (not shown) for setting and inputting a personal identification number (identification information) of the IC card 50 is displayed, and the fan refers to the screen while referring to the screen. The user operates the key 31a of the touch panel 31 to input a password. Here, fans do n’t have to enter a PIN,
When the password is not input, the password for the IC card 50 is automatically generated by the identification information setting unit 13 as described above.

After the balance upper limit and the password have been set as described above, the card issuing key 31b is displayed on the color screen touch panel 31, and the fan confirms the input contents so far and confirms that there is no problem. If so, the card issuance key 31b is pressed. Thus, the balance of the electronic money corresponding to the input amount is recorded in the IC card 50 via the IC card unit 33 by the balance recording unit 12, the upper limit of the balance is recorded by the balance upper limit setting unit 11, and the personal identification number is recorded. The identification information setting unit 13 is recorded.

Thereafter, the IC card 50 is ejected from the automatic dispenser 1 (see arrow A3), and the information about the personal identification number is recorded on the blank ballot by the voting ticket issuing unit 34, whereby the IC card is authenticated. The ticket 60 is created, and the IC card authentication ticket 60 is released from the automatic dispenser 1 (see arrow A4). The fan uses the IC card 50 and the IC card authentication ticket 60 to make a transaction such as purchase of a voting ticket 61 and refund of a hit voting ticket 62.

FIG. 6 is a view for explaining a voting ticket purchase operation in the automatic dispenser 1 of the present embodiment. In FIG. 6, a procedure for purchasing a voting ticket 61 using the IC card 50 is described. Is shown. As shown in FIG. 6, when a fan purchases a voting ticket using the IC card 50,
Instead of putting cash into the automatic dispenser 1, an IC card 50
(See arrow A5). If the balance of the IC card 50 is expected to be less than the purchase amount of the voting ticket 61, cash 80 can be inserted (see arrow A6).

For security of the IC card 50, a screen for inputting a password (in this embodiment, "Input a password or insert an IC card authentication ticket") is displayed on the color screen touch panel 31 of the automatic dispenser 1. Please do. "Is displayed. In response,
The fan operates a key (see reference numeral 31a in FIG. 5) of the color screen touch panel 31 to input a password or
The C card authentication ticket 60 is inserted into the automatic dispenser 1 from the refund ballot ticket insertion slot (see arrow A7). However, when the personal identification number (identification information) is automatically generated, the personal identification number cannot be manually input, so the IC card authentication ticket 60 is inserted.

Thereafter, in the automatic dispenser 1, when the IC card authentication ticket 60 is inserted, the betting ticket reading unit 35
Reads the personal identification number recorded on the IC card authentication ticket 60, and compares the read personal identification number (or the manually input personal identification number) with the personal identification number of the IC card 50 by the collating unit 14, and matches. Accepts voting card (OMR card for voting) 70 (arrow A)
8), the voting card reading unit 38 uses the voting card 7
Read 0.

The transaction processing unit 15 includes the host connection unit 4
In response to the voting card reading unit 38, the voting card reader unit 38 communicates with a host computer (not shown) via the voting card 70 to execute a betting ticket issuing process. In addition, when the collation result by the collation unit 14 does not match,
If the IC card authentication ticket 60 is not inserted, the fact is displayed on the color screen touch panel 31 and then
The processing using the IC card 50 is forcibly interrupted and terminated.

Then, the information such as the current purchase amount is displayed on the color screen touch panel 31, and the fan who approves the information presses the settlement key (reference numeral 31c in FIG. 7) displayed on the color screen touch panel 31. I do. In response, the balance calculation unit 16 calculates a new balance obtained by subtracting the purchase amount of the betting ticket 61 from the balance of the IC card 50, and the new balance is calculated by the IC card unit 33 via the IC card unit 33.
It is recorded on the C card 50. At this time, if the purchase amount of the voting ticket 61 exceeds the balance of the IC card 50, the fan is notified by the color screen touch panel 31 or the audio unit 32 to request the insertion of cash.

Thereafter, the IC card 50 is released from the IC card unit 33 (see arrow A9), and the IC card authentication ticket 60 is released from the voting ticket reading unit 35 (see arrow A10), and is recorded on the voting card 70. The betting ticket 61 according to the information is issued and released by the betting ticket issuing unit 34 (see arrow A11).

FIGS. 7 and 8 are diagrams and flowcharts for explaining a betting ticket purchasing operation using the hitting betting ticket 62 in the automatic dispensing machine 1 of the present embodiment. First, as shown in FIG. 7, when the fan purchases the voting ticket 61 using the IC card 50 and the hit voting ticket 62, that is, at the same time as the purchase of the voting ticket 61, the fan receives the hit voting ticket 62.
When paying back, the IC card 50 is inserted (see arrow A12).

For the security of the IC card 50, a screen for inputting a personal identification number (in this embodiment, "Input a personal identification number or insert an IC card authentication ticket") is displayed on the color screen touch panel 31 of the automatic dispenser 1. Please do. "Is displayed. In response,
The fan operates a key on the color screen touch panel 31 (see reference numeral 31 in FIG. 5) to input a password or
The card authentication ticket 60 is inserted into the automatic dispensing machine 1 from the voting ticket insertion slot for refund (see arrow A13). However, when the personal identification number (identification information) is automatically generated, the personal identification number cannot be manually input, so the IC card authentication ticket 60 is inserted.

Thereafter, in the automatic dispenser 1, when the IC card authentication ticket 60 is inserted, the betting ticket reading unit 35
Reads the personal identification number recorded on the IC card authentication ticket 60, and compares the read personal identification number (or the manually input personal identification number) with the personal identification number of the IC card 50 by the collating unit 14, and matches. , Hit ballot 6
2 is received (see arrow A14). If the collation result by the collation unit 14 does not match or the IC card authentication ticket 60 is not inserted, the fact is displayed on the color screen touch panel 31 and then the processing using the IC card 50 is performed. Is forcibly interrupted and terminated.

At this time, the transaction processing unit 15 communicates with the host computer via the host connection unit 40, and sends a refund amount corresponding to the information of the hit betting ticket 62 read by the betting ticket reading unit 35 from the host computer. Receive. Here, for example, it is assumed that the balance (card amount) of the IC card 50 is 25,000 yen, and the refund amount is 362,650 yen.

Next, the insertion of the voting card 70 is received (see arrow A15), the voting card reading unit 38 reads the voting card 70, and the transaction processing unit 15 communicates with the host computer via the host connection unit 40, The voting card issuance process is executed according to the information of the voting card 70 read by the voting card reading unit 38. Here, for example, with three voting tickets, the total purchase price is 5,000
Assume that it was 0 yen. If the collation result by the collation unit 14 does not match or the IC card authentication ticket 60 is not inserted, the fact is displayed on the color screen touch panel 31 and then the processing using the IC card 50 is performed. Is forcibly interrupted and terminated.

Then, information such as the current purchase amount and the reimbursement amount is displayed on the color screen touch panel 31, and the fan who approves the information presses the settlement key 31c displayed on the color screen touch panel 31. In response to this, in the automatic dispensing machine 1, the balance calculating unit 16 adds the reimbursement amount (362,650 yen) to the old balance (25,000 yen) of the IC card 50, and obtains a new voting ticket 61 from the total value (387,650 yen).
After subtracting the purchase price (5,000 yen) of the new balance (382,650
After calculating (yen), processing according to the flowchart (steps S21 to S28) shown in FIG. 8 is executed, and it is determined whether or not the new balance exceeds the maximum value of the card balance (upper limit: for example, 100,000 yen). Is determined.

That is, as shown in FIG. 8, the determination unit 17 compares the new balance with the upper limit (step S2).
1) It is determined whether the new balance is smaller than the card balance maximum value (upper limit amount) (step S22). If it is smaller (NO route of step S22), the new balance is determined to be the card balance maximum value (upper limit amount). It is determined whether or not they are equal (step S2
3).

When the new balance is smaller than the card balance maximum value (upper limit) (YES route in step S22) or when the new balance is equal to the card balance maximum value (upper limit) (YES route in step S23). , Leave the new balance as I
The information is written on the C card 50 (step S25), the voting ticket is released (step S27), and the IC card 50 is returned (step S28).

On the other hand, if the new balance is larger than the card balance maximum value (upper limit) (NO route from step S22 to NO route from step S23), the refund amount calculator 18 exceeds the card balance maximum value. The refunded amount is calculated as the refunded amount. For example, as described above, the old balance of the IC card 50 is 25,000 yen, the refund amount is 362,650 yen,
Assuming that the purchase amount of the new voting ticket 61 is 5,000 yen and the maximum value (upper limit) of the card balance is 100,000 yen, the new balance is 382,650.
In this case, the reimbursement amount calculation unit 18 calculates 282,650 yen as the reimbursement amount exceeding the card balance maximum value.

Then, the highest value (upper limit: 100,000 yen) is written in the IC card 50 as the new balance (step S25), and the cash of the difference (282,650 yen) is stored in the unit 3.
The fans are paid by 6, 37 (step S26),
A purchase voting ticket (here, three tickets) is issued and released (step S27), and the IC card 50 is returned (step S28).

Here, the description is made on the assumption that the new balance is a positive value (0 or more).
When the total of the balance and the refund in the C card 50 is smaller than the purchase amount of the betting ticket 61, the new balance naturally has a negative value (less than 0). In such a case, the color screen touch panel 31 and the audio unit 32 are notified to request the fan to insert cash.

FIG. 9 is a diagram for explaining a clearing operation of the IC card 50 in the automatic dispenser 1 of the present embodiment.
In FIG. 9, the balance of the IC card 50 is cashed (cleared).
FIG. In the present embodiment, the fan can cash the balance of the IC card 50 at any time by the function and procedure described here.

As shown in FIG. 9, when the IC card 50 is settled, the fan first puts the IC card 50 in the automatic dispenser 1.
(See arrow A16). Then, IC card 5
For security of 0, a screen for inputting a personal identification number (in this embodiment, a message such as "Please input a personal identification number or insert an IC card authentication ticket.") Is displayed on the color screen touch panel 31 of the automatic dispenser 1. Screen) is displayed.

In response to this, the fan operates a key (see reference numeral 31a in FIG. 5) on the color screen touch panel 31 to input a password, or inserts an IC card authentication ticket 60 from a voting ticket insertion slot for refund. Insert into the automatic dispenser 1 (arrow A
17). However, when the personal identification number (identification information) is automatically generated, the personal identification number cannot be manually input, so the IC card authentication ticket 60 is inserted.

Thereafter, in the automatic dispenser 1, when the IC card authentication ticket 60 is inserted, the betting ticket reading unit 35
Reads the personal identification number recorded on the IC card authentication ticket 60, and compares the read personal identification number (or the manually input personal identification number) with the personal identification number of the IC card 50 by the collating unit 14, and matches. In the case where the matching result by the matching unit 14 does not match or the IC card authentication ticket 60 is not inserted, the fact is displayed on the color screen touch panel 31, The processing using the IC card 50 is forcibly interrupted and terminated.

When the collation results by the collation unit 14 match, various operation displays are made on the color screen touch panel 31. When the settlement of the IC card 50 is performed, the fan operates the card displayed on the color screen touch panel 31. Press the settlement key 31d. In response, the transaction processing unit 15
Reads the balance recorded on the IC card 50,
The balance 80 is discharged from the units 36 and 37 (see arrow A18).

In this embodiment, since the upper limit of the balance of the IC card 50 (100,000 yen) is set in this embodiment, no refund exceeding the upper limit of the balance is made, and one customer can be paid. It is possible to assume the settlement processing time required for (fan).

As described above, according to the automatic dispensing machine (transaction apparatus) 1 as one embodiment of the present invention, the customer (voting ticket 61)
The IC card 50 having a zero balance is distributed to purchasers (fans) of the customer, so that the customer does not need to bring a cash card or the like, and the distributed IC card 50 can be used.
If the electronic money balance (electronic currency balance) is recorded in the IC card 50, it is possible to perform cashless transactions using the IC card 50.

When recording the electronic money balance, the IC card 5
0 is set and registered, and the IC card authentication ticket 60 on which the identification information is recorded is given to the customer. Thereafter, when the customer conducts a transaction using the IC card 50, the customer At the same time, by simply inserting the IC card authentication ticket 60 into the automatic dispenser 1, identification information such as a password and a password can be input.
That is, unless the IC card 50 and the IC card authentication ticket 60 are simultaneously lost or stolen, the IC card 50 cannot be used illegally.

Therefore, it is possible to make cashless for an unspecified number of users, and it is possible to simplify the operation of inputting identification information such as a personal identification number / password while reliably preventing unauthorized use. In addition to promoting the operation, the operating rate of the automatic dispenser 1 is improved, and the sales of voting tickets for public sports are greatly improved. In addition, by inputting the identification information using the IC card authentication ticket 60, the input error of the identification information hardly occurs as compared with a case where the identification information is input by a human operation. It will further contribute to improvement.

At this time, by using the voting ticket issuing unit 34 to record the identification information on the blank voting ticket to create the IC card authentication ticket 60, the existing voting ticket issuance function is used effectively and the IC card While the authentication ticket 60 can be prepared, the existing ticket reading unit 35
By reading the identification information of the C card authentication ticket 60, it is not necessary to add a new function to read the identification information of the authentication ticket. Therefore, the automatic dispensing machine 1 having the functions of the present invention can be easily realized without increasing the cost.

Further, when the identification information is automatically generated by the identification information setting section 13, the customer does not need to perform an operation for setting the identification information by himself, and can issue the authentication ticket efficiently. If the customer inputs and sets the identification information from the outside, the customer can input the identification information by himself / herself when personal authentication is performed when using the IC card 50. Even if the authentication ticket 60 is lost or stolen, the IC card 50
There are advantages that can be used.

Further, according to the automatic dispensing machine (transaction apparatus) 1 of the present embodiment, the upper limit of the electronic money balance in the IC card 50 is set, and in accordance with the transaction using the IC card 50, the IC When the electronic money balance of the card 50 exceeds the upper limit, the amount exceeding the upper limit (refund amount) is immediately paid to the customer in cash at that time.
The electronic money balance held in the IC card 50 is always kept below a certain amount.

Therefore, an IC holding electronic money should be used.
Even if the card 50 is lost or stolen, the amount of damage can be kept within a certain amount, and one IC
Final settlement process for card 50 (IC card 5
(Cash processing of electronic money within 0) can always be completed within a certain period of time, and it is possible to adjust the clearing wait time of the customer.

The present invention is not limited to the above-described embodiment, and can be implemented with various modifications without departing from the gist of the present invention. For example, in the above-described embodiment, a case has been described in which transaction processing such as issuance or refund of a voting ticket in a public event is performed. However, the present invention is not limited to this, and is applied to a case where various transactions are performed. It is possible to

In the above-described embodiment, the case where the portable medium is an IC card has been described. However, the present invention is not limited to this, and various types of devices having a storage function, such as a bio card and an optical card, may be used. It may be a card, and it is not limited to a card.

[0079]

As described in detail above, according to the transaction method (claims 1 to 5) and the transaction apparatus (claims 6 to 10) of the present invention, the upper limit of the electronic currency balance in a portable medium is set. When the electronic currency balance of the portable medium exceeds the upper limit in response to a transaction using the portable medium, the amount exceeding the upper limit (refund amount) is immediately paid to the customer by cash at that time. , The electronic currency balance held in the portable medium is always kept below a certain amount.

Therefore, even if the portable medium holding the electronic currency is lost or stolen, the amount of damage can be kept within a certain amount, and the final cost of one portable medium can be reduced. A clearing process (a process of cashing an electronic currency in a portable medium) can always be completed within a fixed time, and the clearing wait time can be adjusted.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a functional configuration of a transaction device (automatic dispenser) as one embodiment of the present invention.

FIG. 2 is a block diagram showing a hardware configuration of a transaction device (automatic dispenser) of the present embodiment.

FIG. 3 is a flowchart for explaining a procedure for issuing an IC card and an IC card authentication ticket in the transaction apparatus (automatic dispenser) of the embodiment.

FIG. 4 is a flowchart for explaining an operation at the time of a transaction process in the transaction device (automatic dispenser) of the embodiment.

FIG. 5 is a diagram for explaining an operation of issuing an IC card and an IC card authentication ticket in the transaction apparatus (automatic dispenser) of the embodiment.

FIG. 6 is a diagram for explaining a betting ticket purchasing operation in the transaction device (automatic dispenser) of the present embodiment.

FIG. 7 is a diagram for explaining a betting ticket purchasing operation using a hitting betting ticket in the transaction apparatus (automatic dispenser) of the present embodiment.

FIG. 8 is a flowchart for explaining a betting ticket purchasing operation using a hitting betting ticket in the transaction apparatus (automatic dispenser) of the present embodiment.

FIG. 9 is a diagram for explaining an IC card clearing operation in the transaction apparatus (automatic dispenser) of the present embodiment.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Transaction apparatus (automatic dispensing machine) 10 MPU 11 Balance upper limit setting part 12 Balance recording part 13 Identification information setting part 14 Collation part 15 Transaction processing part 16 Balance calculation part 17 Judgment part 18 Refund amount calculation part 20 Memory (MEM) 31 Color screen touch panel 32 Voice unit 33 IC card unit 34 Betting ticket issuing unit (voting ticket issuing unit, authentication ticket issuing unit) 35 Betting ticket reading unit (voting ticket reading unit, identification information reading unit) 36 Bill recycle unit (payment processing unit) , Cash release unit) 37 coin recycle unit (payment processing unit, cash release unit) 38 voting card reading unit 39 note taking unit 40 host connection unit 41 bus line 42 power supply unit 50 IC card (portable medium) 60 IC card authentication ticket (Authentication ticket) 61 ballot ticket 62 hit ballot ticket 70 ballot card (vote OMR card) 80 Cash

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (Reference) G06F 17/60 510 G06F 17/60 510

Claims (10)

[Claims] 1. A balance upper limit setting step for setting an upper limit of a balance of an electronic currency in a portable medium owned by a customer and capable of storing an electronic currency defined as an electronic symbol of the currency. A transaction step of performing a transaction using the portable medium; a balance calculation step of calculating a new electronic currency balance in the portable medium after performing the transaction in the transaction step; and a balance calculated in the balance calculation step. A determining step of determining whether the new electronic currency balance exceeds the upper limit amount; and determining that the new electronic currency balance exceeds the upper limit amount in the determining step.
A refund amount calculating step of calculating an amount exceeding the upper limit amount as a refund amount; and a cash releasing step of paying the refund amount calculated in the refund amount calculation step to the customer in cash. ,Transaction system. 2. The transaction method according to claim 1, wherein the upper limit amount is automatically set in the balance upper limit amount setting step. 3. The transaction method according to claim 1, wherein in the balance upper limit setting step, the upper limit is set and input by the customer. 4. If the customer is a person who wants to refund the hit voting ticket, and performs the refund processing of the hit voting ticket as the transaction in the transaction step, the balance calculation step includes: 4. The new electronic currency balance is calculated by adding a refund amount to the old electronic currency balance.
Transaction method described in section. 5. The customer wishes to purchase a new voting ticket at the same time as the refund of the hit voting ticket, and in the transaction step, performs the refund processing of the hit voting ticket as the transaction and the new voting ticket at the same time. In the balance calculation step, a refund amount is added to the old electronic currency balance of the portable medium, and the purchase amount of the new voting ticket is subtracted from the total value to obtain the new electronic currency balance. The transaction method according to any one of claims 1 to 3, wherein the transaction method is calculated. 6. A balance upper limit setting unit that sets an upper limit of a balance of an electronic currency in a portable medium which is stored by a customer and can store an electronic currency defined as an electronic symbol of the currency. A transaction processing unit for performing a transaction using the portable medium; a balance calculation unit for calculating a new electronic currency balance in the portable medium after performing a transaction in the transaction processing unit; A determining unit for determining whether or not the calculated new electronic currency balance exceeds the upper limit amount; if the determining unit determines that the upper limit amount is exceeded, the amount exceeding the upper limit amount is calculated as a refund amount. A transaction device, comprising: a refund amount calculation unit that performs the refund amount calculation; and a cash release unit that pays the refund amount calculated by the refund amount calculation unit to the customer in cash. 7. The transaction apparatus according to claim 6, wherein the balance upper limit amount setting unit automatically sets the upper limit amount. 8. The transaction apparatus according to claim 6, wherein the balance upper limit setting unit sets the upper limit to a value externally provided by the customer. 9. When the customer is a person who wants to refund the hit voting ticket and the transaction processing unit performs the refund processing of the hit voting ticket as the transaction, The transaction device according to any one of claims 6 to 8, wherein a refund amount is added to the old electronic currency balance to calculate the new electronic currency balance. 10. The customer wishes to purchase a new voting ticket at the same time as the refund of the hit voting ticket, and the transaction processing unit performs the new voting at the same time as the refund processing of the hit voting ticket as the transaction. When issuing a ticket, the balance calculation unit adds a reimbursement amount to the old electronic currency balance of the portable medium, subtracts the purchase amount of the new voting ticket from the total value, and obtains the new electronic currency. The transaction device according to any one of claims 6 to 8, wherein a balance is calculated.