JP2003346064A - Charge payment method, charge payment system, and information processing device used for it - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a charge payment method and a charge payment system capable of preventing an illicit sales account based on formation of false usage data. <P>SOLUTION: In each of a card and a center processing device, an accumulated charge amount is recorded (stored), and in payment of the charge, correspondence of the accumulated charge amount between them is checked for determining whether the usage data is false or not. <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 usage fee payment method for, for example, using a portable information recording medium such as an IC card to pay a usage fee such as a fare or a product purchase price in a transportation or distribution agency. The present invention relates to a usage fee payment system and an information processing device used for these systems.

[0002]

2. Description of the Related Art In recent years, for example, in distribution agencies such as department stores and the Internet, it is often used to pay for purchases of goods by post-payment using a credit card or the like. Further, as a method of calculating the usage fee of transportation, for example, a toll calculation system described in Japanese Patent Application Laid-Open No. 9-115017 is known.

[0003]

However, according to the conventional usage fee payment method, when a card is used in a distribution agency or a transportation agency, a card processing terminal device of a member store is used to transmit data from a center processing device (such as a computer of a credit company or the like). ), Usage data (payment data) for inquiring of permission / non-permission is sent, and a negative check (lost, stolen, excess credit) is performed, and based on the check result, permission / non-permission is used. Is returned to the card processing terminal device.

[0004] However, when fictitious usage data using an existing card number is created and the usage data is transmitted to the center processing device even though the card is not actually used in the card processing terminal device, With the current negative check, it is not possible to judge that it is fraudulent, and the member store can obtain sales with fictitious usage data.

Accordingly, an object of the present invention is to provide a usage fee payment method, a usage fee payment system, and an information processing apparatus used for these devices, which can prevent illicit sales by creating fictitious usage data.

[0006]

According to the present invention, there is provided a method of paying a usage fee, comprising the steps of: reading a cumulative usage amount from a portable information recording medium capable of recording the cumulative usage amount presented by a user; A second step of adding the current usage amount to the cumulative usage amount read in step 1, and the portable usage information recording means storing the cumulative usage amount for each portable information recording medium. A third step of reading the cumulative usage amount corresponding to the medium and adding the current usage amount to the read cumulative usage amount, and comparing the addition result in the third step with the addition result in the second step And a fifth step of permitting the use of the portable information recording medium when both addition results match as a result of the comparison in the fourth step.

[0007] Further, the usage fee payment system of the present invention provides a portable information recording medium capable of recording an accumulated usage amount, an information recording medium processing device for processing the portable information recording medium, and an information recording medium processing device. The information recording medium processing device comprises a reading unit for reading an accumulated usage amount from the portable information recording medium presented by a user, and an accumulation unit read by the reading unit. A first calculating means for adding a current usage amount to a usage amount to obtain a new cumulative usage amount; and a new cumulative usage amount and a current usage amount obtained by the first calculation means for the information processing apparatus. The information processing apparatus receives a new accumulated usage amount and a current usage amount transmitted by the first transmission unit of the information recording medium processing device. A first receiving means, a cumulative usage amount recording means in which the cumulative usage amount for each portable information recording medium is recorded, and a cumulative usage amount corresponding to the portable information recording medium from the cumulative usage amount recording means. Reading, and adding the current usage amount received by the first receiving means to the read cumulative usage amount to obtain a new cumulative usage amount.
Calculation means, comparison means for comparing the new accumulated usage amount obtained by the second calculation means with the new accumulated usage amount received by the first reception means, As a result, there is provided a second transmitting means for transmitting, to the information recording medium processing device, a use permission notice for permitting use of the portable information recording medium when the two accumulated use amounts match.

[0008]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 schematically shows a configuration of a usage fee payment system according to the present invention.
This usage fee payment system is roughly divided into an information recording card (hereinafter simply referred to as a card) 1 as a portable information recording medium possessed by a user, and an information recording medium processing terminal device for processing the card 1. And a center processing device 3 as an information processing device (host device) which is a higher-level device of the card processing terminal device 2.

The card 1 is, for example, a non-contact type IC card (so-called wireless card), and includes a control unit 11 including a CPU, a non-volatile memory 12 such as an EEPROM as a storage unit, and an external device ( Communication control unit 13 for performing wireless communication with the card processing terminal device 2)
These are formed into IC chips and are embedded in the card body. The memory 12 records a card number, which is a card-specific number, expiration date information indicating the expiration date of the card, accumulated usage amount information, unusable information due to excess credit, lost or stolen, and usage log information ( Memorized).

The card processing terminal device 2 is, for example, a POS in a distribution organization such as a supermarket or a department store.
Terminal equipment (or automatic ticket gates for railways)
The CPU 21 controls overall control, the memory 22 functions as a work memory, and records (stores) various data.
A magnetic disk device 23 as a recording unit, an output device 24 such as a display or a printer, an input device 25 such as a keyboard, a communication device 26 for performing communication with an external device (such as the center processing device 3), and It comprises a card reading / writing device 27 for reading and writing data to and from the card 1.

The center processing device 3 includes, for example, a CPU 31 for overall control, a memory 32 functioning as a work memory, a magnetic disk device 33 as recording means for recording (storing) various data, and outputs from a display and a printer. It comprises a device 34, an input device 35 such as a keyboard, and a communication device 36 for communicating with an external device (such as the card processing terminal device 2).

The magnetic disk device 33 includes card issuance information (contact information such as a card number, name and address, transfer account information for transferring a usage fee, credit amount information for one month, etc.), and member store information (membership). Contact information such as store code, address, etc., transfer account information to transfer sales),
Negative data (lost or stolen, excess credit amount), usage data (card number, usage date, usage time, member store / equipment / device, usage amount, cumulative usage amount, etc.), cumulative usage amount for each card number, and each card number , The sales data for each member store code, the fraudulent data, etc. are recorded (stored).

Next, an outline of the processing at the time of using a card in the above configuration will be described with reference to FIG.
When the card 1 is presented by the user, that is, for example, when the card 1 is held over the communication unit of the card reading / writing device 27 in the card processing terminal device 2, the card reading / writing device 27 As a result, the card number, expiration date information, accumulated usage amount information, unusable information due to excess credit amount, lost or stolen, and usage log information are read from the card 1 and temporarily stored in the memory 22 (see FIG. 2). (Corresponds to the circled number "1").

Next, the card processing terminal device 2
The new usage amount is calculated by adding the current usage amount to the current usage amount read from the, and the new cumulative usage amount, card number, usage date, usage time, member store / equipment / unit, this time Center processing device 3 using the amount of use as usage data
And inquires about the availability (corresponding to the circled number “2” in FIG. 2).

The center processing device 3 receives the usage data transmitted from the card processing terminal device 2 and records it on the magnetic disk device 33 (corresponding to the circled number “3” in FIG. 2). Next, the center processing device 3 reads the accumulated usage amount corresponding to the card stored in the magnetic disk device 33, and
The current usage amount in the usage data is added to the read cumulative usage amount, and the addition result is compared with the cumulative usage amount in the usage data (corresponding to the circled number “4” in FIG. 2).

Next, the center processing device 3 permits the use of the card when the comparison results match, and returns a use permission notification to the card processing terminal device 2. Is rejected and a use rejection notification is returned to the card processing terminal device 2 (corresponding to the circled number "5" in FIG. 2).

When the card processing terminal device 2 receives the use permission notification transmitted from the center processing device 3, the card processing terminal device 2 writes the new accumulated amount of use, the use log, etc., previously obtained, into the memory 12 of the card 1 (FIG. 2). (Corresponds to the middle circled number "6").

When the center processing device 3 permits the use of the card, the center processing device 3 adds the current usage amount in the usage data to the cumulative usage amount read from the magnetic disk device 33 and uses the addition result as a new cumulative usage. It is recorded on the disk device 33 (corresponding to the circled number “7” in FIG. 2). Further, the center processing device 3 adds the current usage amount in the usage data to the sales data of the corresponding member store in the magnetic disk device 33 and the billing data of the corresponding card contractor, respectively (in FIG. 2). Corresponding to the circled number “8”).

Thereafter, the center processing unit 3 bills the card contractor for the usage amount based on the billing data in the magnetic disk device 33 (corresponding to the circled number “9” in FIG. 2). Further, the sales amount is paid to the member store based on the sales data in the magnetic disk device 33 (corresponding to the circled number “10” in FIG. 2).

On the other hand, if the use of the card is not permitted, the center processing device 3 records the use data at this time as unauthorized (abnormal) data in a specific area of the magnetic disk device 33 and performs another management (see FIG. (Corresponding to the circled number “11” in 2)).

Hereinafter, details of the processing of the center processing device 3 will be described with reference to the flowchart shown in FIG.
The processing described below is mainly executed under the control of the CPU 31. When the usage data (card number, usage date, usage time, member store / device / device, usage amount, cumulative usage amount) transmitted from the card processing terminal device 2 is received (step S1), the received usage data A negative check is performed from the card number (step S2). That is, the negative data (lost and stolen,
In "Credit amount excess", the card number of a card reported to be lost or stolen or a card determined to be in excess of credit amount is registered. Therefore, in step S2, it is checked whether or not the card number in the usage data matches the card number in the negative data.

If a match with the negative data is obtained in step S2, the use of the card is rejected, a use rejection notification is returned to the card processing terminal device 2, and the process is terminated (step S3). ). Step S2
If no match was found with the negative data,
The received usage data is recorded on the magnetic disk device 33,
Save (step S4).

Next, the cumulative usage amount corresponding to the card number in the usage data is read from the magnetic disk device 33 (step S5), and the current usage amount in the usage data is added to the read cumulative usage amount (step S5). S6). Next, the added cumulative usage amount is compared with the cumulative usage amount in the usage data (step S7). If the two cumulative usage amounts do not match, the use of the card is rejected and the card processing terminal device 2 To the user (steps S8 and S8).
9) The usage data at this time is recorded as illegal (abnormal) data in a specific area of the magnetic disk device 33 (step S10), and the process ends.

In step S7, when the two accumulated usage amounts match, the use of the card is permitted, a use permission notification is returned to the card processing terminal device 2 (step S11), and the addition result in step S6 is obtained. The new accumulated usage amount is recorded in the magnetic disk device 33 (step S12). Next, this usage amount in the usage data is
The data is added to the sales data of the corresponding member store in the magnetic disk device 33 (step 13), and is added to the billing data of the corresponding card number (step S14), and the process ends.

The clearing of the accumulated usage amount is, for example, as follows.
Assuming that the total unit is monthly, the card 1 is used when the comparison result of the accumulated usage amount matches on the first usage day of the month change.
And the accumulated use amount of the center processing device 3 is cleared.

As described above, the accumulated amount of use is recorded (stored) in the card 1 and the center processing device 3 respectively, and by checking the coincidence of both accumulated amounts of use, for example,
Even if fictitious usage data using an existing card number is created and the usage data is transmitted to the center processing device, it is possible to determine whether the usage data is illegal. Therefore,
It is possible to reliably prevent the sales from the fictitious usage data in which the actual card is not used.

[0027]

As described above in detail, according to the present invention, there is provided a usage fee payment method, a usage fee payment system, and an information processing apparatus used for preventing creation of fictitious usage data and preventing unauthorized sales. Can be provided.

[Brief description of the drawings]

FIG. 1 is a block diagram schematically showing a configuration of a usage fee payment system according to an embodiment of the present invention.

FIG. 2 is a view for explaining an outline of a process when using a card.

FIG. 3 is a flowchart illustrating processing of a center processing device.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Information recording card (portable information recording medium), 1 ... Card processing terminal device (information recording medium processing terminal device), 3 ... Center processing device (information processing device), 11 ... Control part, 12 ...
Memory, 13 ... communication control unit, 21, 31 ... CPU, 2
2, 32: memory, 23, 33: magnetic disk device, 2
4, 34 output device, 25, 35 input device, 26, 3
6: communication device, 27: card reading / writing device.

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) G07G 1/12 321 G07G 1/14 1/14 G06K 19/00 Q

Claims (11)

[Claims] 1. A first step of reading a cumulative usage amount from a portable information recording medium capable of recording a cumulative usage amount presented by a user; A second step of adding the usage amount; and reading the accumulated usage amount corresponding to the portable information recording medium from the accumulated usage amount recording means in which the accumulated usage amount for each portable information recording medium is recorded. A third step of adding the current usage amount to the accumulated usage amount; a fourth step of comparing the addition result in the third step with the addition result in the second step; A fifth step of permitting the use of the portable information recording medium when the results of the comparison show that the two addition results match, a usage fee payment method. 2. When the use of the portable information recording medium is permitted in the fifth step, the result of the addition in the third step is recorded as a new accumulated use amount in the accumulated use amount recording means. 6. The method according to claim 1, further comprising a sixth step of recording the result of the addition in the second step as a new accumulated usage amount on the presented portable information recording medium. . 3. When the use of the portable information recording medium is permitted in the fifth step, the current use amount is used as sales data and portable information recording for each member store in which the portable information recording medium is used. The method according to claim 1, further comprising a seventh step of adding the charge data to the charge data for each medium. 4. The result of the comparison in the fourth step,
The method further comprises an eighth step of disallowing use of the portable information recording medium when the results of the two additions do not match, and storing data used by the portable information recording medium at this time as unauthorized data. 2. The usage fee payment method according to claim 1, wherein 5. A portable information recording medium capable of recording an accumulated usage amount, an information recording medium processing device for processing the portable information recording medium, and an information processing device serving as a higher-level device of the information recording medium processing device. The information recording medium processing device comprises: reading means for reading an accumulated usage amount from the portable information recording medium presented by a user; and adding the current usage amount to the accumulated usage amount read by the reading means. First calculating means for calculating a new accumulated usage amount, and a first calculating means for transmitting the new accumulated usage amount and the current usage amount obtained by the first calculating means to the information processing apparatus.
A first receiving unit that receives the new accumulated usage amount and the current usage amount transmitted by the first transmission unit of the information recording medium processing device; Cumulative usage amount recording means for recording the cumulative usage amount for each portable information recording medium; and reading out the cumulative usage amount corresponding to the portable information recording medium from the cumulative usage amount recording means. A second calculating means for obtaining a new cumulative usage amount by adding the current usage amount received by the first receiving means to the second calculating means; and a new cumulative usage amount obtained by the second calculating means Comparing means for comparing the new accumulated usage amount received by the first receiving means with the new accumulated usage amount; and, when the two accumulated usage amounts match as a result of the comparison by the comparing means, the use of the portable information recording medium is permitted. Use permission Usage fee payment system characterized by comprising a second transmission means for transmitting the knowledge to the information recording medium processing apparatus. 6. The information processing apparatus according to claim 1, wherein, as a result of the comparison by said comparing means, when the two accumulated usage amounts match, the new accumulated usage amount obtained by the second calculating means is stored in the accumulated usage amount recording means. The information recording medium processing device further comprises: a first receiving unit that receives a use permission notification transmitted by a second transmitting unit of the information processing device; When the use permission notification is received by the receiving means of 2,
6. The apparatus according to claim 5, further comprising: a second processing unit that records the new accumulated usage amount obtained by the first calculation unit on the presented portable information recording medium.
The usage fee payment system described. 7. The information processing apparatus, comprising: a data recording unit that records sales data for each member store using the portable information recording medium and billing data for each portable information recording medium; As a result of the comparison, when the two accumulated usage amounts match each other, the current usage amount received by the first receiving means is converted into sales data for each member store in the data recording means and billing data for each portable information recording medium. 6. The usage fee payment system according to claim 5, further comprising: a third processing unit for adding each of the first and second processings. 8. The information processing apparatus according to claim 1, wherein, as a result of the comparison by the comparing unit, when the two accumulated usage amounts do not match each other, the information recording medium sends a use-disapproval notice that disallows use of the portable information storage medium. A third transmitting means for transmitting to the processing device; and a fourth storing means for storing the usage data by the portable information recording medium at this time as unauthorized data when the two cumulative usage amounts do not match as a result of the comparison by the comparing means. The usage fee payment system according to claim 5, further comprising processing means. 9. An information recording medium processing device for processing a portable information recording medium capable of recording an accumulated usage amount,
Receiving means for receiving a new cumulative usage amount and a current usage amount obtained by adding the current usage amount to the cumulative usage amount read from the portable information recording medium; and a cumulative usage amount for each portable information recording medium. A cumulative usage amount recording unit in which an amount is recorded; and a cumulative usage amount corresponding to the portable information recording medium is read from the cumulative usage amount recording unit. Calculating means for calculating a new cumulative usage amount by adding the usage amount of the above, and comparing means for comparing the new cumulative usage amount obtained by the calculating means with the new cumulative usage amount received by the receiving means. A first transmitting means for transmitting, to the information recording medium processing device, a use permission notice for permitting use of the portable information recording medium when the two accumulated usage amounts match as a result of the comparison by the comparing means; And first processing means for recording, when the two accumulated usage amounts match as a result of the comparison by the comparing means, the new accumulated usage amount obtained by the calculating means in the accumulated usage amount recording means. An information processing apparatus characterized in that: 10. A data recording means in which sales data for each member store in which the portable information recording medium is used and billing data for each portable information recording medium are recorded. Second processing means for adding the current usage amount received by the receiving means to the sales data for each member store and the billing data for each portable information recording medium in the data recording means when the usage amounts coincide with each other; The information processing apparatus according to claim 9, further comprising: 11. As a result of the comparison by the comparing means, when the two accumulated usage amounts do not match, a use rejection notice for not permitting use of the portable information recording medium is transmitted to the information recording medium processing device. And a third processing unit for storing, as a result of the comparison by the comparing unit, when the two accumulated usage amounts do not match, the usage data on the portable information recording medium at this time as unauthorized data. The information processing apparatus according to claim 9, wherein: