JP2003331199A - Immediate payment card system and financial institution system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve the utility value of use information of an immediate payment card system as a housekeeping book. <P>SOLUTION: A POS terminal 20 of a member store transmits an item name, item classification, and a use amount to a financial institution system 10 in selling merchandise or the like. The financial institution system 10 associates these information with a bank account number as immediate payment information and manages the information. When the financial institution system 10 receives a request to read the immediate payment information from a Web browser device 30 of a user, the financial institution system 10 extracts the immediate payment information about the user and transmits the immediate payment information so as to display the item name, the item classification, the use amount or the like in a tabular format on the Web browser device 30. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for providing a user with information managed by a financial institution, and more particularly to a system for providing information on an immediate payment card service.

[0002]

2. Description of the Related Art In recent years, an POS terminal of a retail store and a host computer of a financial institution are connected online, the sales price is deducted from the customer's deposit account, and the instant payment card system (debit) Card service) has been put to practical use.

According to this system, a cash card or the like issued by a financial institution such as a bank or a post office can be used as it is to purchase goods or enjoy services.

When a customer uses this system, the date of use, the name of the store, and the amount of withdrawal are written in the bankbook of the financial institution as the usage history.

[0005]

Since the usage history is described in the deposit passbook in this way, it is proposed to use the deposit passbook as a household account book by using this system.

However, as described above, the items to be entered in the bankbook are the date of use, the name of the store, and the amount of withdrawal, and therefore, they are generally described as a household account book for recording the details of each product etc. The information provided is considered insufficient. For this reason, it is desired to provide information with high utility value as a household account book.

The present invention is to increase the utility value of the usage information of the instant payment card system as a household account book.

[0008]

In order to solve the above problems, according to a first aspect of the present invention, there is provided a POS terminal of a member store which sells products or provides services, which is provided with a card information reading function. In the immediate payment card system including a financial institution system for managing a user's deposit account, which is connected to the POS terminal online, the POS terminal specifies an identifier of a product related to sale or a service related to provision. However, the user should pay for the means for specifying a predetermined classification of the specified product or service identifier, the specified product or service identifier, the specified classification, and the sale of the product or the provision of the service. An amount of money and a card that has been read are transmitted to the financial institution system.
The financial institution system includes an instant payment information storage unit that stores information about instant payment, a receiving unit that receives a product or service identifier, a classification, an amount of money, and card information from the POS terminal, and a payment unit. A settlement approval / disapproval determination means for determining acceptance / rejection, and in the case of payment acceptance, the amount of money received from the deposit account specified by the received card information is deducted, and the received product or service identifier, classification, and amount are set. Displaying the information stored in the instant payment information storage unit via the computer network and the instant payment information management unit stored in the instant payment information storage unit in association with the deposit account number specified from the card information. When the request is accepted together with the deposit account number, the request is associated with the accepted deposit account number stored in the immediate payment information storage unit. Immediate payment card system characterized in that it comprises a payment information transmitting means for transmitting is provided the information as a response.

According to the second aspect of the present invention, the deposit account of the user, which is online connected to the POS terminal of the member store which sells the product or provides the service, which has the card information reading function. In a managed financial institution system, an instant payment information storage unit that stores information about instant payment, a receiving unit that receives a product or service identifier, a classification, an amount, and card information from the POS terminal, and the payment. The method of determining whether or not the payment is possible, and in the case of payment, the amount of money received from the deposit account specified by the received card information is withdrawn, and the identifier of the received product or service, the classification, and the amount of money. Is associated with the deposit account number specified from the card information, and is stored in the instant payment information storage unit. When a display request for information stored in the instant payment information storage unit is accepted together with a deposit account number via a computer network, information associated with the accepted deposit account number stored in the instant payment information storage unit. And a payment information transmitting means for transmitting as a response.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram for explaining an example of the configuration of this embodiment. As shown in the figure, in this embodiment, a financial institution system 10 managed by a financial institution such as a bank or post office and a POS terminal 20 of a member store are connected online to form an immediate payment card system. It is now possible to provide users with an instant payment card service.

Further, the financial institution system 10 provides the user (customer) with usage information of the instant payment card system via the computer network 70. User is W
Using the eb browser device 30, it is possible to browse the usage information and the like of the instant payment card system provided by the financial institution system 10.

In this embodiment, the financial institution system 10
Is a deposit account control unit 110 and an immediate settlement control unit 120.
, The information providing unit 130, and the deposit account database 150
And an instant payment database 160.

The deposit account control unit 110 controls information such as deposits and withdrawals to and from a deposit account of a user depositing at a financial institution. Specifically, a deposit account database 150 that manages transfer to a deposit account, withdrawal of deposit, deposit, etc., and manages information (deposit account information) regarding the user's deposit account is updated.

In the present embodiment, the deposit account information information managed by the deposit account database 150 includes an account number,
The user name, personal identification number, deposit balance, and deposit / withdrawal history shall be included. The deposit / withdrawal history is composed of more detailed information, and in the present embodiment, it is assumed that the date, deposit / withdrawal type, amount, deposit / withdrawal destination are included.

The instant payment control unit 120 performs processing for the financial institution system 10 to provide an instant payment card service. Specifically, when a request for an instant payment card service is accepted from a POS terminal of a member store, it is judged whether or not the request is accepted, and the answer is given to the POS terminal 20 of the member store. In addition to updating 150, the immediate payment database 160 that manages information (immediate payment information) regarding the immediate payment card service of the user is updated.

In the present embodiment, the instant payment information managed by the instant payment database 160 includes the account number, the date of use, the member store used, the amount used, the purchase item name, and the purchase item classification. The immediate payment database 160 also manages passwords for each account number. This password is used to authenticate the user when the information recorded in the instant payment database 160 is provided to the user.

Here, the purchase item name is the item name of a product, service, etc. purchased using the instant payment card service, and the purchase item classification is the classification of the purchase item, for example,
If it is a product, it is classified into food items, clothing items, etc., and it is a unit classification that is generally considered desirable to be aggregated as an aggregate item of a household account book.

The item name and item classification can be uniquely set for the item handled by the member store, for example.
This setting is registered in the POS terminal 20, and when the user purchases a product or service, the POS terminal 20
The purchase item name and purchase item classification of the purchase item can be specified.

The financial institution or the like may unify the item name and the item classification, and the member store may set the item name and the item classification for the item handled according to this rule.

The information providing unit 130 performs a process for presenting immediate payment information and the like to the user in response to a request from the user sent via the Web browser device 30. The presentation of the instant payment information is, for example, the instant payment database 1
Immediate payment information recorded in 60 is totaled, and the totalized result is displayed in a tabular form on the Web page. In this case, the information providing unit 130 has a Web server function.

The POS terminal 20 is a terminal device managed by the member store. The POS terminal 20 includes an immediate payment unit 210,
The product management unit 220 and a reading unit 230 that reads information such as a barcode attached to a product or the like are configured.

The immediate settlement unit 210 is the financial institution system 1
In cooperation with 0, the POS terminal 20 performs a process for providing an instant payment card service. Specifically, when selling a product or the like, the magnetic information recorded on the card presented by the user is read, the account number included in the magnetic information, the personal identification number accepted by the user, and the reading unit 230. The item name, item classification, and price of the product or the like read in step 2 are transmitted online to the financial institution system 10 and a response is made as to whether or not the product can be used. Then, when the answer of availability is sent from the financial institution system 10, the fact is displayed and the fact that the settlement is performed is notified. On the other hand, when the answer that the service is unavailable is sent from the financial institution system 10, the fact is displayed to notify that the payment has not been made.

The product management unit 220 manages information on products and services handled by member stores. In the present embodiment, the item name, item classification, and price are managed, and these pieces of information are associated with a specific code. The code associated with the product or the like is converted into, for example, barcode information and attached to the product or the like. When selling a product or the like, the POS terminal 20 reads the information such as a barcode attached to the product or the like with the reading unit 230 and refers to the product management unit 220 to refer to the item name and the item classification of the product or the like related to the purchase. Specify, price and.

The Web browser device 30 can be constructed using, for example, a personal computer. In this case, the personal computer functions as the web browser device 30 by executing general-purpose web browser software.

Next, the contents of the instant payment information and the like presented to the user by the information providing unit 130 of the financial institution system 10 will be described.

In this embodiment, the information providing unit 130
Presents immediate payment information to the user in a household account book format for the convenience of the user.

FIG. 2 shows the user's Web browser device 30.
It is a figure which shows an example of the immediate payment utilization information display screen 500 displayed on FIG. In the example of the figure, the instant payment usage information display screen 500 displays the usage information of the instant payment card service on a monthly basis. Then, the month to be displayed can be moved by the previous month move button 503 and the next month move button 504. The displayed month is displayed in the year / month display field 502. Of course, the display unit is not limited to the month. For example, the designation of an arbitrary period may be accepted and displayed.

On the instant payment use information display screen 500, the date, store name, classification, and amount of money for each item are displayed in the instant payment information display field 501, and the total value of the month is also displayed. In this way, by displaying the usage information for each item, the utility value as a household account book is increased.

The instant payment use information display screen 500 further includes a totalizing button 505 and a deposit / withdrawal information button 506. By accepting clicking of these buttons, a totalizing display screen or a deposit / withdrawal information display screen described later. Move to.

FIG. 3 shows the user's Web browser device 30.
It is a figure which shows an example of the instant settlement total display screen 520 displayed in FIG. In the example of this figure, the instant settlement total display screen 520
Displays monthly results.

On the instant payment totaling display screen 520, the total amount of money for each classification is displayed in the totaling column 521. In this way, by displaying the amount of money in units of classification such as products, the utility value as a household account book is increased.

FIG. 4 is a diagram showing an example of the deposit / withdrawal information display screen 540 displayed on the Web browser device 30 of the user. In the example of this figure, the deposit / withdrawal information display screen 5
In addition to the instant payment information, 40 also displays the deposit / withdrawal information in the deposit account on a monthly basis.

In the example of this figure, a deposit / withdrawal information display screen 540
Indicates the type, content, amount, and balance of money in the deposit / withdrawal information display field 54.
It is supposed to be displayed in 1. Here, it is assumed that the "type" displays the information about the deposit / withdrawal, and the "content" displays information such as the deposit source or the deposit destination. In this way, by displaying the comprehensive information on deposits and withdrawals to and from the deposit account in addition to the immediate settlement information, the utility value as a household account book is further enhanced.

Of course, the information provided by the information providing unit 130 is not limited to these. The information owned by the financial institution system 10 can be provided to the user in accordance with various information provided by commercially available application software called so-called household account book software. Further, not only the information provision but also the input of the income schedule or the expenditure schedule may be accepted.

Next, the operation of this embodiment will be described.

First, the processing when the user informs the member store that the immediate payment card service will be used when the user purchases a product or the like at the member store will be described with reference to the flowchart of FIG.

When the member store receives a request for using the instant payment card service from the user, the member store reads the magnetic information including the account number recorded on the card presented by the user using the POS terminal 20, and Prompt for a PIN. In addition, the bar code information or the like attached to the product or the like is read using the reading unit 230, and the product management unit 2
With reference to 20, the item name, item classification, and price of the product etc. related to the sale are specified. Then, a predetermined member store identifier, the read card information, the personal identification number that has been input by the user, the item name of the specified product, etc.
The usage amount determined from the item classification and the price is transmitted online to the financial institution system 10 (S101).
When purchasing a plurality of products or the like, the item name, item classification, and usage amount are transmitted for each product or the like.

The financial institution system 10 includes a POS terminal 20.
When the immediate payment control unit 120 receives the information sent from the deposit account information, the deposit account information is extracted from the deposit account database 150 using the account number included in the card information as a key (S10).
2).

Then, it is checked whether or not the personal identification number included in the deposit account information and the personal identification number sent from the POS terminal 20 match (S103).

As a result, if they do not match, an answer indicating that immediate settlement is not possible is sent to the POS terminal 20 (S108). At this time, the POS terminal 20 may prompt the user to input the personal identification number again.

On the other hand, when the personal identification number included in the deposit account information matches the personal identification number sent from the POS terminal 20, the deposit balance included in the deposit account information is P.
It is determined whether or not it is larger than the usage charge sent from the OS terminal 20 (total usage charge when there are multiple products etc.) (S104).

As a result, if the amount of money used is larger, an answer indicating that immediate settlement is impossible is sent to the POS terminal 20 (S1).
08).

On the other hand, when the balance of the deposit is larger, the reply that the immediate settlement is possible is sent to the POS terminal 20 (S10).
5). By this reply, the sale of the product etc. is established between the member store and the user.

Then, the immediate settlement control unit 120 deducts the usage amount from the deposit account of the user and deposits it in the deposit account of the member store. As a result, the deposit account database 150
The deposit balance and the deposit / withdrawal history of are updated (S106).

Further, the instant payment control section 120 registers the instant payment information in the instant payment database 160 based on the information sent from the POS terminal 20 (S107). At this time, when there are a plurality of products etc. related to the purchase, the immediate settlement information is registered for each product etc.

Next, a process in which the financial institution system 10 presents instant payment information and the like in response to a request from the user's Web browser device 30 will be described with reference to the flowchart of FIG.

The user can use the Web browser device 30 to access the information providing unit 130 of the financial institution system 10 to make a browsing request for instant payment information and the like (S201). Specifically, the URL (Uniform Resource Locator) of the predetermined information providing unit 130 is set.
You can access by specifying s).

Upon receiving the access from the Web browser device 30, the information providing unit 130 presents an authentication screen and prompts the user to enter the account number and password (S20).
2).

When the input of the account number and the password is accepted on the authentication screen, the instant payment database 160 is referred to check whether the input account number and the password match. If they match, it is determined that the user has been authenticated, and the instant payment information is extracted from the instant payment database 160 using the input account number as a key (S203).

Then, for example, as shown in FIG.
The instant payment usage information display screen 500 as shown in FIG. 3 is generated and displayed on the Web browser device 30.

Then, the information providing unit 130 displays the main screen 50.
When the click of the tally button 506 on 0 is accepted, for example, tally is performed for each classification, and the instant payment tally display screen 520 as shown in FIG. 3 is generated and displayed on the Web browser device 30.

When the deposit / withdrawal information button 507 is clicked, the deposit account information is further extracted from the deposit account database 150 using the account number as a key, and the deposit / withdrawal information display screen 540 as shown in FIG. 4 is displayed. Generate, W
It is displayed on the eb browser device 30.

As described above, according to this embodiment, it is possible for the user to increase the utility value of the usage information of the instant payment card system as a household account book.

Further, as a financial institution, it is possible to predict the balance of an individual user or all users based on the user's deposit account information and immediate settlement use information accumulated in the financial institution system 10. Further, it can also be used to propose financial products and the like to users.

Next, a second structural example of the present invention will be described with reference to FIG. In this configuration example, the financial institution system 10a manages the item name and classification of the product etc. managed by the POS terminal 20 of the member store in the above example. The other configurations are the same as those in the above-mentioned example, and thus the same reference numerals are given.

In this configuration example, the financial institution side sets the relationship between items such as commodities and classification, stores them in the product management unit 180 with an identifier. At the member store, a code that can identify the identifier is attached to the product or the like by a bar code or the like. Further, the price of the product etc. is stored in the POS terminal 20a.

When the bar code information attached to the product or the like is read when the product or the like is sold, the identifier of the product or the like and the usage amount based on the price may be transmitted to the financial institution system 10a. Therefore, it is not necessary to transmit the item name and item classification information, and the amount of information required for transmission can be reduced. Moreover, since the item classification can be unified for each member store, the utility value as a household account book will be further enhanced.

The instant payment control unit 120a of the financial institution system 10a updates the instant payment database 160 by specifying the item name and item classification of the product or the like based on the identifier of the product or the like transmitted from the POS terminal 20a. To do so.

Next, a third structural example of the present invention will be described with reference to FIG. In this configuration example, the product management device 40 of a third institution, which is different from the financial institution, sets the item names and classifications of the products and the like managed by the financial institution system 10 in the second configuration example.
I am trying to manage it. The other configurations are the same as those in the second configuration example, and thus the same reference numerals are given.

In the present configuration example, the relationship between the item such as the product and the classification is set on the side of the third organization, and the product management device 40 stores it with an identifier. At the member store, a code that can identify the identifier is attached to the product or the like by a bar code or the like. Further, the price of the product etc. is stored in the POS terminal 20a.

When the bar code information attached to the product or the like is read when the product or the like is sold, the identifier of the product or the like and the usage amount based on the price are transmitted to the financial institution system 10b.

The instant settlement control unit 120b of the financial institution system 10b inquires the item management device 40 of the third institution about the item name and item classification of the item on the basis of the identifier of the item sent from the POS terminal 20a. . Then, the immediate payment database 160 is updated using the acquired item name and item classification of the product or the like.

By doing so, the financial institution system 10 does not require product management, and it becomes possible to unify the item names and item classifications among a plurality of financial institutions.

[0065]

As described above, according to the present invention, it is possible to increase the utility value of the usage information of the instant payment card system as a household account book.

[Brief description of drawings]

FIG. 1 is a block diagram for explaining a first configuration example of the present invention.

FIG. 2 is a diagram showing an example of an immediate payment utilization information display screen 500.

FIG. 3 is a diagram showing an example of an instant payment tabulation display screen 520.

FIG. 4 is a diagram showing an example of a deposit / withdrawal information display screen 540.

FIG. 5 is a flowchart for explaining processing when a user informs a member store that the immediate payment card service will be used when purchasing a product or the like at the member store.

FIG. 6 shows the financial institution system 10 for a user's Web
It is a flow diagram for explaining a process of presenting instant payment information and the like in response to a request from the browser device 30.

FIG. 7 is a block diagram for explaining a second configuration example of the present invention.

FIG. 8 is a block diagram for explaining a third configuration example of the present invention.

[Explanation of symbols]

10 ... Financial institution system 20 ... POS terminal 30 ... Browser device 40 ... Merchandise management device 70 ... Computer network 110 ... Deposit account control unit 120 ... Immediate payment control unit 130 ... Information providing department 150 ... Deposit account database 160 ... Immediate payment database 180 ... Product Management Department 210 ... Immediate payment department 220 ... Product Management Department 230 ... Reading unit 500 ... Immediate payment usage information display screen 520 ... Immediate settlement summary display screen 540 ... Deposit / withdrawal information display screen

Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G07G 1/12 321 G07G 1/12 321P 1/14 1/14

Claims (12)

[Claims] 1. A POS terminal of a member store, which sells products or provides services, having a card information reading function, and a financial institution system for managing a user's deposit account connected online with the POS terminal. In the instant payment card system, the POS terminal identifies an identifier of a product related to sale or a service related to provision, and a unit that specifies a predetermined classification for the identified product or service identifier, An identifier of the specified product or service, a specified classification, an amount to be paid by the user for the sale of the product or the provision of the service, and a transmission unit for transmitting the read card information to the financial institution system, The financial institution system includes an instant payment information storage unit that stores information about instant payment, and the PO Receiving means for receiving the product or service identifier, classification, amount of money, and card information from the S terminal, settlement approval / disapproval determining means for deciding whether or not the settlement is possible, and if the settlement is possible, the received card information Deducts the amount of money received from the deposit account specified by the, and associates the received product or service identifier, the classification, and the amount of money with the deposit account number specified from the card information, in the immediate payment information storage unit. Upon receiving a display request for the information stored in the instant payment information storage unit together with the deposit account number via the stored instant payment information management unit and the computer network, the acceptance stored in the instant payment information storage unit Payment information transmitting means for transmitting information associated with the savings account number as a response. De system. 2. A financial institution system for managing a user's deposit account connected online with a POS terminal of a member store that sells products or provides services and has a card information reading function. In the immediate payment card system including: the POS terminal, means for specifying an identifier of a product related to sale or a service related to provision, an identifier of the specified product or service, and sale of the product or provision of service. The financial institution system includes a transmitting unit that transmits the amount of money to be paid by the user and the read card information to the financial institution system, the financial institution system storing an instant payment information storage unit, and the POS terminal. The receiving means for receiving the product or service identifier, the price, and the card information from the A settlement approval / disapproval determination means for determining whether payment is accepted, and if payment is accepted, the amount of money received from the deposit account specified by the received card information is deducted, and a predetermined classification is specified for the received product or service identifier. Then, an immediate payment information management unit that stores the received product or service identifier, the specified classification, and the amount of money in the immediate payment information storage unit in association with the deposit account number specified from the card information, and a computer. When a request for displaying the information stored in the immediate payment information storage unit is accepted together with the deposit account number via the network, the information associated with the accepted deposit account number stored in the immediate payment information storage unit is displayed. An instant payment card system, comprising: payment information transmission means for transmitting as a response. 3. The instant payment card system according to claim 2, wherein the instant payment information management unit identifies a predetermined classification for the identifier of the received product or service by making an inquiry to another device. Immediate payment card system featuring. 4. The immediate payment card system according to any one of claims 1 to 3, wherein the payment information transmitting means displays a product or service identifier, a classification, and a price in a table format. An instant payment card system characterized by transmitting in such a manner. 5. The immediate payment card system according to claim 4, wherein the payment information transmitting means is further capable of transmitting in such a manner that the amount of money is aggregated and displayed for each classification. Payment card system. 6. The instant payment card system according to any one of claims 1 to 5, wherein the card is a cash card of a financial institution that manages the financial institution system. . 7. A financial institution system for managing a user's deposit account, which is connected online with a POS terminal of a member store that sells products or provides services, which has a card information reading function, and information about instant payment. An immediate payment information storage unit that stores the payment information, a receiving unit that receives a product or service identifier, a classification, an amount of money, and card information from the POS terminal, and a payment approval / disapproval judging unit that judges whether the payment is possible or not. If payment is possible, the amount of money received from the deposit account specified by the received card information will be deducted, and the received product or service identifier, classification, and amount will be deducted from the deposit account number specified by the card information. In association with the instant payment information management unit, which is stored in the instant payment information storage unit, through the computer network, Payment information that receives a display request for information stored in the instant payment information storage unit together with a deposit account number, and sends information associated with the accepted deposit account number stored in the immediate payment information storage unit as a response A financial institution system comprising: a transmitting unit. 8. A financial institution system for managing a user's deposit account, which has a card information reading function and is online connected to a POS terminal of a member store that sells products or provides services, and provides information about immediate settlement. An instant payment information storage unit that stores the information, a receiving unit that receives the product or service identifier, the amount of money, and the card information from the POS terminal, a payment approval / disapproval judging unit that judges whether the payment is possible, In that case, the amount of money received from the deposit account specified by the received card information is deducted, and a predetermined category of the received product or service identifier is specified, and the received product or service identifier is specified. Immediate payment information by associating the classification and the amount with the deposit account number specified from the card information. Upon receipt of a display request for information stored in the instant payment information storage unit together with a deposit account number via the computer, the instant payment information management unit stored in the storage unit stores the information in the instant payment information storage unit. A financial institution system, comprising: a payment information transmitting unit that transmits, as a response, information associated with the accepted deposit account number. 9. The financial institution system according to claim 8, wherein the instant payment information management unit specifies a predetermined classification for the identifier of the received product or service by making an inquiry to another device. The characteristic financial institution system. 10. The financial institution system according to any one of claims 7 to 9, wherein the payment information transmitting means displays the product or service identifier, the classification, and the amount in a tabular form. Financial institution system characterized by transmitting in various forms. 11. The financial institution system according to claim 10, wherein the payment information transmitting means can further transmit in such a manner that the amount of money is aggregated and displayed for each classification. system. 12. The financial institution system according to any one of claims 6 to 11, wherein the card is a cash card of a financial institution that manages the financial institution system.