JP2004054628A - Method for accumulating electronic value and electronic value processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To accumulate the amount of card utilization on the basis of credit settlement without using an accumulation machine and to improve convenience for the accumulation of the amount of card utilization on the basis of credit settlement. <P>SOLUTION: In the accumulation of the amount of card utilization based on credit settlement, the amount of accumulation is recorded in a card to perform accumulation processing without using the accumulation machine. An accumulation format is provided with selectivity by variably setting a stacked amount to be recorded in the card so that accumulation can be changed in accordance with a user's card utilization state. Consequently, cards relying on credit settlement can be promoted. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a process for performing settlement using a recording medium such as an IC card, and more particularly to a method for accumulating electronic value recorded on a recording medium and a system for accumulating the value.
[0002]
[Prior art]
As a system for performing electronic payment, a system called a prepaid card and an electronic money system are known. In payment by prepaid card, a card in which the electronic value corresponding to a predetermined amount is recorded in advance is purchased, and payment is made within the range of the electronic value recorded on the card for purchase of goods and provision of services. I do.
[0003]
In the electronic money system, for example, in addition to recording an electronic value corresponding to a monetary value of a recording medium such as a non-contact IC card, information such as an account number of a financial institution such as a bank is recorded. It is known that payment is made by withdrawing a designated amount from an account of the company. In this case, the designated amount is withdrawn from the account of the financial institution, the balance is read from the contactless IC card, and the amount obtained by adding the withdrawn amount and the balance is recorded as a new balance.
[0004]
Also, when paying for use of transportation such as railroads, the user purchases a card (SF (stored fair) card) in which a predetermined amount of money is recorded in advance and uses this card in an automatic ticket gate or a checkout machine. A system using a non-contact IC card as a recording medium has been introduced in addition to a process of collecting a usage fee according to a boarding section and a fare by passing through a provided recording medium reading device.
[0005]
In this system using a non-contact IC card, a usage fee is collected by recording a prepaid amount of money in addition to personal information on the non-contact IC card and using an automatic ticket gate.
[0006]
When using a prepaid card, there is a problem that if the amount set in the prepaid card is used up, it is necessary to pay the shortage in cash or purchase a new prepaid card, and the place where the prepaid card is purchased is If you are limited or have a shortage of cash on hand, payment will be hindered.
[0007]
In a system using a non-contact IC card or the like, if the recorded available amount (electronic value) is insufficient, the amount can be increased by designating an additional amount in a card multiplying machine and paying by cash or a credit card. The non-contact IC card can be repeatedly used. As a method of accumulating the amount of money that can be used in a ticket system using a non-contact IC card, management data is created in a ticket processing at the time of boarding, and accumulation processing is performed based on the management data in a ticket processing at alighting. Is proposed in, for example, JP-A-2001-236529.
[0008]
In addition, as a system for managing railway fares, the contactless IC card is provided with a credit function and a data communication function, and by communicating between the station data processing device and the central data processing device when the usage amount is insufficient. A method of performing settlement by credit has also been proposed (for example, Japanese Patent Application Laid-Open No. 9-330437).
[0009]
[Problems to be solved by the invention]
In a system using a non-contact IC card that has been proposed in the past, in order to increase the available amount (electronic value) by using a card accumulator, it is usually necessary to use an accumulator having an accumulative function such as a station counter or a checkout machine. When the user goes to the place where additional equipment is installed and pays cash etc. by performing predetermined operations such as specifying the amount of money to add to the additional machine, or when passing through the ticket gate It is conceivable to rewrite the information recorded on the non-contact IC card in advance.
[0010]
In such a conventional stacking process, when the stacking process is performed using the stacker, there is a problem that it is necessary to go to the stacker installed at a predetermined position, which is inconvenient. In addition, in transportation such as buses, devices that connect online to the central data processing device are not usually installed at stops, etc., and installing additional accumulators at each stop is a matter of installation It is difficult in terms of investment burden.
[0011]
On the other hand, when rewriting the recorded contents of a card when passing through a ticket gate, the problem of having to go to an accumulator is resolved, but the additional amount of this card at the ticket gate to be passed is The method of specifying at the venue is not realistic because the flow of ticket gates is interrupted, and in many cases, the method of performing settlement of only the shortage amount or the additional amount determined uniformly by the business operator using the credit associated with the card Is what is considered.
[0012]
As mentioned above, increasing the usable amount of the card requires a burden on the user and a burden on the transportation operator and a company dealing with electronic money. is there.
[0013]
In addition, there is a problem that occurs with the above-described method of accumulating only the shortage amount due to the credit or the amount uniformly determined by the business operator. In the prepaid card, the available amount that can be used by the card is set to a large amount with respect to the amount actually paid by the user, and the difference provides added value as a premium. The amount of this premium is determined according to the purchase amount, and generally, the higher the amount of a card, the more premiums are given. There is the advantage that the user can get more premium instead of making a large upfront payment. On the other hand, a transportation company or an electronic money company has an advantage that a large amount of money can be obtained in advance.
[0014]
On the other hand, in the method in which the shortage amount or the additional amount uniformly determined by the business operator is settled by credit, it is not possible to select the premium profit that could be selected by the amount purchased by the user in the prepaid car. Therefore, there is a problem that the advantage of switching to a card having such a credit function cannot be found. In addition, it is necessary for a transportation company to have various types of devices such as a device corresponding to a prepaid card and a device corresponding to a card having a credit function, so that there is a problem that the burden of facility investment increases. In addition, there is a problem that electronic money companies do not spread cards having a credit function. Furthermore, for a credit company, there is a problem in that a method of settingtle only the shortfall amount by credit may increase the cost for small amount processing.
[0015]
Therefore, the present invention solves the above-mentioned conventional problems, solves the problem associated with increasing the amount of use of a card by credit settlement, and uses an accumulator to increase the amount of use of a card by credit settlement. In addition, as a result of enabling the user to select the additional amount, the premium can be selected, and the convenience by increasing the number of cards by credit settlement can be enhanced.
[0016]
[Means for Solving the Problems]
According to the present invention, when a credit card is used to increase the amount of use of a card, the credit amount can be recorded on the card, and the credit card can be charged without using a credit card. In addition, by making the amount of credit recorded on the card variable, it is possible to provide selectivity to the mode of credit accumulation and to enable credit accumulation according to the usage status of the user, thereby promoting the spread of cards by credit settlement. .
[0017]
The present invention can be represented by various modes of a stacking method, a processing system, and devices and recording media (cards) involved in the system.
[0018]
A first aspect of the present invention relates to a method for accumulating electronic value.
A first aspect is a method of processing an electronic value in which an electronic value recorded on a recording medium is settled by credit. As for the electronic value recorded on the recording medium, the electronic value is reduced by consuming the electronic value. The electronic value recorded on the recording medium is a usable amount and can be represented by a balance.
[0019]
When the balance is equal to or less than a predetermined amount (automatic accumulation reference amount), the balance recorded on the recording medium is increased to a predetermined amount or more by automatically accumulating the automatic accumulation amount on the recording medium. Here, the predetermined amount may be, for example, an amount to be paid with an electronic value at the time of payment, or a predetermined amount set in advance. Thus, the balance shortage is resolved, and the payment can be made. The predetermined amount can be set to “0”.
[0020]
In this accumulation, by recording the automatic accumulation amount on a recording medium, the accumulation can be performed independently without connecting to a central data processing unit or the like that manages credits online. Therefore, it is particularly effective in transportation such as a bus which is difficult to connect online. The settlement amount of the credit settlement is determined by the automatic credit amount, and the amount of the automatic credit amount is added to the amount of the other credits and settled for each additional charge processing.
[0021]
Further, according to the present invention, it is possible to changeably record the automatic credit amount on a recording medium. By making the automatic credit amount recorded on the recording medium freely changeable, it is possible to change the holding range of the electronic value recorded on the recording medium. The change of the automatic credit can be performed by rewriting the automatic credit, and the automatic credit is performed based on the rewritten automatic credit.
[0022]
By making the automatic credit amount recorded on the recording medium freely changeable, it is possible to set the amount of money to be stored in advance in the recording medium according to the amount desired by the user. For example, when the frequency of use is low for the user, the amount to be paid in advance can be reduced by setting the automatic credit amount to a small amount. If the usage frequency is high, the automatic credit can be set high.
[0023]
The electronic value can be used as a price for a service provided by a transportation company, for example, as a bus usage fee.
The recording medium records the available electronic value as a balance.
[0024]
The automatic credit or the value obtained by adding the added value to the automatic credit can be used as the added value to the balance. When the added value is added to the automatic credit, the added value can be used as a premium. In addition, the amount obtained by subtracting the added value from the amount added to the balance can be used as the automatic credit, the automatic credit is recorded as the balance, and the amount obtained by subtracting the premium added value from the automatic credit is settled by credit. May be used.
[0025]
When the electronic value is used at the terminal of a transportation company or transportation facility provided by a transportation company such as a bus, the recording medium compares the recorded electronic value with a predetermined amount (automatic credit base amount). Then, automatic replenishment is performed based on the comparison result.
[0026]
In addition, when changing the automatic credit amount of the automatic credit, the change can be performed by communicating with the credit management unit that setstle the credit and rewriting the automatic credit amount data on the recording medium. At this time, the automatic credit can be rewritten only by checking the negative file without performing data inquiry online.
[0027]
In the automatic accumulation process, when the recording medium or the credit attached to the recording medium is invalid, the recording medium is allowed to consume the electronic value already recorded, and the automatic accumulation on the recording medium is restricted, or Any of the modes that limit both the consumption of the electronic value and the automatic accumulation on the recording medium can be adopted.
[0028]
A second aspect of the present invention relates to an electronic value processing system.
A second aspect is an electronic value processing system for settingtle electronic value recorded on a recording medium by credit. It has a recording medium for recording the electronic value and the automatic credit, a management server for managing the recording medium, and a terminal means for taking off-line between the management server and reading and writing data without or in contact with the recording medium. .
[0029]
When the electronic value is less than or equal to a predetermined amount, the recording medium automatically increases the automatic accumulation amount when the electronic value is less than or equal to a predetermined amount. The amount of electronic value to be recorded is made variable by making the automatic credit amount changeable.
[0030]
Further, the terminal means obtains the data of the automatic charge from the recording medium every time the recording medium is added. The management server tabulates the automatic accumulation amount from each recording medium via the terminal unit in a batch process, and performs the settlement process of the electronic value by sending the total data to the credit management unit.
[0031]
In this replenishment, if the recording medium to be replenished is valid, the consumption of the electronic value and the replenishment are allowed, and if not, only the consumption of the electronic value is permitted, and the replenishment is disabled. Good.
[0032]
In order to determine the validity of the recording, the recording medium is composed of ID data such as a unique card ID for identifying the recording medium, a unique accumulation ID for identifying the accumulation of the recording medium, and a unique credit ID attached to the recording medium. At least one of them. On the other hand, the terminal means acquires and updates or records the recording medium and / or the invalid information of the credit attached to the recording medium in the form of ID data from the management server by batch processing. When updating, only the changed data may be rewritten, and when recording, all data may be newly recorded or all data may be rewritten.
[0033]
The terminal unit determines whether the recording medium and / or the credits attached to the recording medium are invalid by comparing the ID data acquired from the management server with the ID data acquired from the recording medium.
[0034]
The electronic value is used as a price for services provided by the bus transport company, and terminal devices are installed at fixed transportation facilities and moving transportation facilities provided by the transport company, and a management server managed by the bus transport company. During the period, the ID data and / or the automatic accumulation information are exchanged in a batch process.
[0035]
The change of the automatic credit can be performed by a permanent processing machine. The permanent processor reads and writes data by communicating with a recording medium in a non-contact or contact manner, and also communicates online with a credit management unit. The communication with the credit management means performs processing for confirming the validity of the recording medium and the credit attached to the recording medium. If the recording medium is valid by the communication with the recording medium, the recording medium Register or change the automatic credit, or add credit.
[0036]
A third aspect of the present invention relates to a recording medium.
In the recording medium of the third aspect, the electronic value recorded on the recording medium is settled by credit. The credit card records the electronic value and the automatic credit, and automatically increases the automatic credit when the electronic value is equal to or less than a predetermined amount in response to a change in the electronic value due to consumption of the electronic value. Thus, the electronic value recorded on the recording medium is increased to a predetermined amount or more, and the automatic accumulation amount can be changed, so that the holding range of the electronic value recorded on the recording medium is variable. The accumulated automatic accumulation amount is settled by credit according to the automatic accumulation amount.
[0037]
A fourth aspect of the present invention relates to a permanently installed accumulator.
The permanent multiplying machine according to the fourth aspect is characterized in that a non-contact or contact communication with a credit card having a recording medium for recording an electronic value to read and write data, and a credit management unit. Means for transmitting and receiving the data online, and the recording medium obtained from the recording medium or the ID data unique to the recording medium, indicating the validity of the recording medium obtained from the credit management means or the credit attached to the recording medium. A collation unit for collating with the negative data.
[0038]
The read / write means permits the accumulation processing on the recording medium based on the collation result of the collation means, and the online means transmits automatic accumulation information of the accumulation processing to the credit management means. The automatic accumulation information to be transmitted is information that automatic accumulation has been performed, and the amount thereof is determined based on the automatic accumulation amount that is set to be freely changeable in the recording medium.
[0039]
A fifth aspect of the present invention relates to an automatic accumulator.
The automatic accumulator according to a fifth aspect transmits and receives data offline between a management server and a means for reading and writing data by performing non-contact or contact communication with a recording medium for recording an electronic value. Off-line means and collation means for collating ID data unique to the recording medium acquired from the recording medium or the credit attached to the recording medium with negative data indicating the validity of the recording medium acquired from the management server or the credit attached to the recording medium. And
[0040]
The read / write means permits the accumulation processing on the recording medium based on the collation result of the collation means, and the off-line means transmits automatic accumulation information by the accumulation processing to the management server. The automatic product information to be transmitted is information indicating that automatic product accumulation has been performed, and the amount thereof is determined based on the automatic product increase amount that can be freely set on the recording medium.
[0041]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a schematic diagram for explaining a processing system according to the electronic value accumulating method of the present invention.
[0042]
In the electronic value processing system 1 shown in FIG. 1, the card company on the credit settlement side 2 issues a card 4 having a credit function, and the user uses the card 4 to use the service provided by the business side 3. I do. The price for the service is settled from the electronic value recorded on the card 4 in advance by advance payment. The electronic value recorded on the card 4 is the balance held by the card, and if the balance is insufficient, the electronic value is automatically added. The automatic accumulation information of this automatic accumulation processing is sent to the credit settlement side 2 and settlement by credit is performed. By repeating the automatic credit on the card 4 and the credit payment of the automatic credit on the credit settlement side 2, the payment processing of the electronic value is performed.
[0043]
In the following, a bus transportation company will be described as a preferred example of the business side 3, but not only a bus but also a transportation company such as a railway, a taxi, a toll road, etc. The present invention can be applied to various facilities such as various facilities that collect fees in advance.
[0044]
First, the credit settlement 2 side will be described.
The credit settlement 2 side can be a card company that issues the card 4, and as a host provided in the card company, for example, a transmission / reception unit 2 a 1 and an online unit 2 a 2 for transmitting and receiving data to and from the business 3, Card management means 2b for performing management, storage means 2c for storing various data, input means 2d for inputting information for card issuance, card issuance means 2e for issuing a card, and automatic credit amount stored in the card are registered or registered. An automatic credit amount input means 2f for changing is provided.
[0045]
The transmitting / receiving means 2a1 transmits / receives data to / from the server 10 provided in the business 3 side, and the online means 2a2 transmits / receives data to / from the permanent processor 20 provided in the business 3 side. The card management means 2b stores personal information input from the input means 2d in the storage means 2c, and also controls data exchange between the business operator 3 and the storage means 2c via the transmission / reception means 2a1 and the online means 2a2. .
[0046]
The storage unit 2c stores data related to credit card payment. The data to be stored includes, for example, negative data 2c1, customer data 2c2, automatic credit data 2c3, and the like. When a premium is set, premium data 2c4 may be stored.
[0047]
FIG. 2 shows an example of data stored in the storage unit 2c provided in the card company.
The negative data 2c1 is data indicating the validity of the card 4 or the credit attached to the card 4, and for example, as shown in FIG. 2A, data of a card ID for specifying the card is recorded. This data is set when the user has applied for suspension of use due to theft, loss, NG, or the like.
[0048]
In addition to the card ID, data such as the reason why the card or credit has expired (for example, loss, theft, NG, expiration date, etc.), and invalid date can be recorded. NG is a state in which the use of credits is restricted due to, for example, payment delay.
[0049]
The customer data 2c2 is data relating to the customer holding the card, and for example, as shown in FIG. 2B, for each card ID, the issue date, the facility using the automatic accumulation, the validity period, the automatic accumulation Automatic accumulation reference value data, the balance, the automatic accumulation data indicating the amount to be accumulated in one automatic accumulation, and the automatic setting to determine whether to perform the automatic accumulation. An accumulation flag and the like can be stored.
[0050]
The automatic accumulation reference value data is a reference value used to determine whether or not to perform automatic accumulation by comparing with the balance. If the balance is smaller than the automatic accumulation reference value, the balance is calculated. Is determined to be insufficient, and automatic accumulation is performed. On the other hand, if the balance is an amount larger than the automatic accumulation reference value, it is determined that the balance has room and automatic accumulation is not performed. Alternatively, the balance may be compared with the usage amount without setting the automatic accumulation reference value data. When a premium is given to the automatic accumulation, data relating to the premium may be recorded.
[0051]
The determination of the automatic accumulation and the automatic accumulation processing are performed in the card 4 and the terminal 30.
[0052]
The automatic credit data 2c3 is the amount of money to be charged when the cards 4 are automatically credited. For example, as shown in FIG. 2C, the automatic credit is stored for each card ID. When the automatic credit is changed, the history may be stored.
[0053]
FIG. 2D shows an example of premium data, in which a premium amount set for each automatic credit is stored.
[0054]
Next, a configuration example of the provider side 3 will be described.
In the case where a bus transportation company is taken as an example of the business side 3, for example, a terminal 30 for monitoring the use of the card 4 and a server 10 for managing the data of the terminal 30 in order to collect a usage fee from the user. In addition to the above, there is provided a permanent processing unit 20 for performing an accumulation processing of an automatic accumulation amount, registration and change of an automatic accumulation amount, or an accumulation processing.
[0055]
The terminal 30 can be provided at, for example, a station gate 30 installed at a station terminal, a stop 31 installed at a predetermined position on a traffic route, or a vehicle-mounted device 32 mounted on a transportation system such as a bus. By exchanging data with the card 4 carried by the user, pays for the use of the service and pays for the used service, and uses data (automatic additional data) used for paying the price with the server 10. Sends and receives data (negative data) for checking the validity of the card.
[0056]
Hereinafter, each part of the business side 3 will be described. Note that each configuration example described below is an example, and another configuration may be used as long as the configuration has a similar function.
[0057]
The server 10 includes, for example, a transmission / reception unit 10a, a data processing unit 10b, and a storage unit 10. The transmission / reception means 10a is a means for exchanging data with each terminal 30 and with a host provided on the credit settlement side 3. If no online is set up with each terminal 30, it is offline. , A batch process is performed at a predetermined time or at predetermined intervals. The terminal 30 may be, for example, a station gate machine 31, a stop 32, or a vehicle-mounted machine 33. For example, when the terminal 30 is the vehicle-mounted device 32, data transmission / reception is performed via a recording medium or the like on which data is recorded at the start of work or at the end of work. A relay device (not shown) is installed between the server 10 and each terminal 30, and data is transmitted and received between each terminal 30 and the relay device by a recording medium, a cable, or short-range communication. Data may be exchanged between the relay device and the server 10 via online, cable, private communication network, or the like.
[0058]
The data processing means 10b stores the automatic credit data received from each terminal 30 in the storage means 10c and totals the automatic credit data to obtain, for example, total data of the automatic credit for each user. And other data processing.
[0059]
The data stored in the storage unit 10c includes, for example, negative data, automatic credit data, and sales data.
[0060]
FIG. 3 shows an example of data stored in the storage unit 10c provided in the server.
The negative data shown in FIG. 3A is data representing the validity of the card 4 or the credit attached to the card 4, and the data provided on the credit settlement side 3 shown in FIG. It is possible to always update to new data by taking in sequentially.
[0061]
As shown in FIG. 3B, the automatic credit data can be stored as a currently set automatic credit, a history of the automatic credit, totalized credit data, and the like. The totalized accumulation data is data obtained by accumulating the automatic accumulation data sent from each terminal 30 for each card ID, and is stored for each card ID. This totaled accumulation data serves as basic data for performing payment by credit using a card. The server 10 sends the totalized accumulation data to the credit settlement side 2 at every predetermined time.
[0062]
As shown in FIG. 3 (c), the sales data is sales information obtained by a business card using a card, for example, the sales amount for each use section or the sales amount for all business sections. Can be.
[0063]
This sales data can be used not only as sales information but also for apportioning the credit amount with another business in credit settlement.
[0064]
The terminal 30 transmits and receives data to and from the card 4, thereby performing a payment of a usage fee and an automatic accumulating process when the balance accumulated in the card is insufficient. For example, the data processing unit 30b , Storage means 30c, and a card reader / writer (card reader / writer) 30e. In FIG. 1, (31b, 32b, 33b), (31c, 32c, 33c), (31e, 32e, 33e) are shown as respective units corresponding to 30b, 30c, 30e.
[0065]
The data processing means 30b records the negative data fetched from the server 10 into the storage means 30c, checks the validity of the card by comparing the negative data with the card ID fetched from the card 4, and automatically loads the data based on the balance data fetched from the card 4. The presence / absence of the increase processing and the automatic accumulation processing for the card 4 are performed.
[0066]
The storage unit 30c records the negative data as shown in FIG. The negative data is taken off-line from the server 10.
[0067]
The card reader / writer 30e communicates with the card 4 to read data such as a card ID, automatic credit data, balance data, and the like stored in the card 4 from the card 4, and to automatically read data from the card 4. The balance data increased by the automatic accumulation is written in the card 4. When the card 4 is configured by a non-contact IC, the card reader / writer 30e has a configuration corresponding to the non-contact IC.
[0068]
The permanent processor 20 is connected to the credit settlement 2 side online to perform automatic credit processing, and also registers or changes the amount of money (automatic credit) to be added to a card in the automatic credit processing, and increases credit. And an online unit 20a connected to the online unit 2a2 on the credit settlement 2 side, a data processing unit 20b, a storage unit 20c, an input unit 20d, and a card reader / writer (card reader / writer) 20e.
[0069]
The data processing means 20b performs processing such as determination of card validity, accumulation processing, registration of operation of automatic accumulation processing, registration or change of automatic accumulation amount, or accumulation. The validity of the card is determined by acquiring negative data online from the credit settlement 2 side, acquiring the card ID of the card 4 via the card reader / writer 20e, and comparing the acquired card ID with the negative data.
[0070]
In the replenishment processing, replenishment is performed on the card 4 based on the replenishment request input from the input unit 20d. Further, the operation registration of the automatic accumulation processing is processing for setting an automatic accumulation function for the card 4, for example, by turning on the automatic accumulation flag of the card 4, or by adding the amount to the automatic accumulation data. It can be set by describing the data. In addition, the registration of the automatic credit is performed by describing the amount data in the automatic credit data as described above, and the change of the automatic credit is performed by rewriting the amount data registered in the automatic credit data. Do.
[0071]
Since the permanent processor 20 is connected to the credit settlement side 2 online, there is no need to record the negative data stored in the storage unit 30c in the storage unit 20c.
[0072]
The card reader / writer 20e has a configuration corresponding to a non-contact IC similarly to the card reader / writer 30e described above. In addition, when the card 4 has a configuration including a contact terminal, data is transferred by contact. . Further, the input means 20d is used for setting an amount for a request for additional accumulation or for setting an automatic additional amount.
[0073]
The card 4 has a credit function and an automatic credit function, and is issued by the card issuing means 2e. The amount of the automatic credit when the card is issued can be set based on the personal information input by the input means 2d, or can be set from the automatic credit input means 2f.
[0074]
The storage unit 4c of the card 4 can store, for example, card setting data and history data. FIG. 5 is an example of card storage data.
[0075]
When the automatic credit is settled by credit, the correspondence between the card and the credit is managed based on the ID data set by the business operator or based on the ID data set by the card company. You can also.
[0076]
FIG. 5A is an example of data in the case of managing cards and credits based on ID data set by the business operator.
[0077]
In this case, the card company assigns credit ID data at the time of issuing the card, and the business operator assigns the issued card a card ID for managing the automatic accumulation by the card.
[0078]
The business side manages the card and the automatic credit accumulation by the card ID, and the validity of the credit is determined by the relationship between the card ID data and the credit ID data defined by the related data shown on the right side of FIG. , A credit ID corresponding to the card ID is obtained, and collation with the negative data represented in the form of the credit ID is performed.
[0079]
FIG. 5B shows an example of data in the case of managing cards and credits based on ID data set by the card company.
[0080]
In this case, the card company assigns credit ID data at the time of issuing the card, and sets and assigns an accumulation ID for managing the automatic accumulation used by the business operator.
[0081]
The business side manages the card and the automatic credit based on the credit ID, and the validity of the credit is determined by the credit ID data and credit ID data determined by the related data shown on the right side of FIG. The credit ID corresponding to the accumulation ID is obtained based on the relationship, and is collated with the negative data represented in the form of the credit ID.
[0082]
The card setting data may be, for example, a facility to be used (operator A, operator B), a validity period, an automatic accumulation reference amount data, an automatic accumulation amount data, an automatic accumulation flag, in addition to the card ID data and the accumulation ID data. And various data such as balances can be recorded. The automatic accumulation reference amount data may be set on the terminal side.
[0083]
In addition, the history data can record a card use history such as a use date and time and a use section, as well as a final accumulation date and time and an accumulation history such as a final accumulator.
[0084]
Next, the operation of the automatic accumulation will be described with reference to the relationship diagram of FIG. 6 and the flowchart of the terminal process of FIG.
In FIG. 6, parts A, B, and C separated by alternate long and short dash lines indicate a card issuing operation, a negative data registering operation, and an automatic multiplying operation. The numbers in parentheses in the following text correspond to the numbers in FIG.
[0085]
When a user applies for a card issuance (1), the card company accepts the application (2). When an automatic credit is designated when applying for a card, the automatic credit is registered (3), and a card which has an automatic credit function and can be paid by credit is issued (4, 5).
[0086]
Further, the card company creates list data (negative data) of cards whose credits or credits have become invalid due to theft, loss, etc. from among a large number of issued cards, and sequentially updates them (11). Is distributed by the server of each business (12). The server records the distributed negative data (13) and transmits it to each terminal in the business. The terminal has a function of performing a data communication with the issued card to pay a usage fee and performing automatic accumulation.
[0087]
If the business operator is, for example, a bus transportation company, the terminal can be a station gate machine installed at the station terminal or an on-vehicle machine mounted on each vehicle, and negative data is transmitted to this terminal (14). In the case of an in-vehicle device, negative data is registered when the vehicle returns to a place where it can be connected to the server at the start of work or at the end of work. If the frequency of data update and the cost of capital investment for data registration allow, negative data may be registered wirelessly at the time of data change or at predetermined time intervals (15).
[0088]
Next, the payment of the usage fee using the card and the processing of the automatic accumulation are performed, for example, as follows. When the user uses a bus transportation and passes through the terminal (21), data communication is performed between the card and the terminal. The terminal reads card information (eg, balance, automatic credit, card ID, etc.) from the card (22).
[0089]
It is determined whether the read balance is a sufficient amount. This determination of the balance can be made by comparing the balance with the automatic accumulation reference amount data or by comparing the balance with the usage fee (22). If the balance is insufficient, collation with the negative data is performed (23), and if it does not match the card ID described in the negative data, it is determined that the card is a valid card and additional credit is performed (25).
[0090]
Here, an example is shown in which the matching check with the negative data is performed after the balance determination, but the balance determination may be performed after collation with the negative data. The flowchart of FIG. 7 described below shows an example in which balance determination is performed after collation with negative data.
[0091]
If there is no shortage in the balance, or if the charge can be paid by the balance by automatic accumulation, the usage charge is deducted from the balance (26), and the charge is paid. The balance after the payment is updated to the card (27).
[0092]
Further, when the accumulation is performed, the automatic accumulation result information (for example, the accumulated automatic accumulation amount) is transmitted to the server in a batch (28). The server totals the transmitted automatic credit information (29), and sends information on the automatic credit and sales information to the card company (30). The card company requests the user for an automatic credit based on the sent information (31), and the user pays by credit (32).
[0093]
FIG. 7 shows a processing example in a terminal such as a gate machine or an in-vehicle machine. In the flowchart shown in FIG. 7, the terminal reads the ID code of the card ID from the card (step S1), and performs collation with previously recorded negative data (step S2).
[0094]
The collation with the negative data can be performed based on the reason for determining whether the credit is valid or invalid by judging whether or not the card ID coincides with the card ID, or based on the invalid reason. When the determination is made based on the invalid reason, the case where the invalid reason is, for example, theft or loss is distinguished from the case where the invalid is NG, and the subsequent processing is made different. For example, if the reason for invalidation is NG (invalidation of credit due to delay in payment, etc.), the balance can be used but automatic accumulation cannot be performed. If the reason for invalidation is theft or loss, the balance can be used. Both use and automatic accumulation are disabled (step S3).
[0095]
If the verification result is NG, the balance read from the card is compared with the usage amount (or the automatic accumulation reference amount) (step S5). If the balance is larger than the usage amount, the usage fee is calculated based on the balance. When it is determined that payment is possible, the usage amount is subtracted from the balance (step S6), and the balance is updated (step S6). This balance may be displayed on a display device (step S8). On the other hand, if the balance is smaller than the usage amount, it is displayed that the card cannot be used (step S9).
[0096]
If the collation result is lost or stolen, the balance is made unusable and the card is displayed as unusable (step S9).
[0097]
On the other hand, if the card ID does not match as a result of the comparison with the negative data, the card and the credit are determined to be valid. If the balance is valid, the balance read from the card is compared with the usage amount (or the automatic accumulation reference amount) (step S10). If the balance is larger than the usage amount, it is determined that the usage fee can be paid with the balance. Then, the usage amount is subtracted from the balance (step S14), and the balance is updated. This balance may be displayed on the display device (step S15).
[0098]
On the other hand, if the balance is smaller than the usage amount, it is determined whether or not automatic credit is set for the card. This determination indicates, for example, that the card cannot be used in the automatic accumulation flag in the card (step S11).
[0099]
If the automatic credit is set for the card, the balance is added to the automatic credit obtained from the card to increase the balance (steps S12 and S13). The usage amount is subtracted from the balance by increasing the balance (step S14), and the balance is updated. This balance may be displayed on the display device (step S15).
[0100]
If the automatic credit is not set on the card, it is displayed that the balance is insufficient (step S16), and payment by cash or payment by the balance of the card and cash is performed (step S17). If the balance has been used, the balance is set to "0" (step S18).
[0101]
If the collation result is invalid (stolen, lost, NG), the corresponding card ID may be sent to the server to notify that the card is invalid. Note that the card ID may be transmitted using a communication network provided separately (step S4).
[0102]
When only validity or invalidity of a credit is determined, in the determination of step S3, when it is determined that the credit is invalid, the processes of step S4 and subsequent steps are performed.
[0103]
Next, the operation in the case where the permanent addition is performed manually in the permanently installed processing machine will be described with reference to the relationship diagram of FIG. 8 and the flowchart of FIG.
[0104]
When the user applies for additional credit at the permanently installed processing machine (41), the processing machine accepts the additional credit application (42) and transmits the card ID of the user to the card company (13). The card company determines the validity of the card by comparing it with negative data based on the sent card ID (44), and returns the determination result to the processing machine (45).
[0105]
If the card is valid, the processor performs an accumulation process based on the returned determination result (46), and writes the accumulated balance on the card (47). Further, the credit card company is charged for the additional amount (48), and the user pays by credit based on the request (49).
[0106]
In the flowchart shown in FIG. 9, when the permanent processor receives an application for automatic accumulation (step S21), the permanent processor acquires the ID code of the card ID, the automatic accumulation amount or the information of the automatic accumulation flag from the card ( Step S22), the card ID is sent to the card company by online transmission (step S23).
[0107]
If an answer indicating that the card is valid is obtained (step S24), it is determined whether or not automatic accumulation is possible based on the setting of the automatic accumulation amount and the setting state of the automatic accumulation flag. In the determination as to whether or not the automatic accumulation is possible, the accumulation may be restricted in order to prevent excessive automatic accumulation. As the accumulation limit, for example, an upper limit is set on the automatic accumulation amount so that accumulation is not possible beyond the upper limit amount. Limit the amount that can be accumulated, or do not allow the next automatic accumulation unless the balance is used at least once after the automatic accumulation is performed or the predetermined amount is used. (Step S25).
[0108]
If the automatic credit is available, the value obtained by adding the automatic credit to the balance is written to the card to update the balance (step S28), and the automatic credit is transmitted to the card company (step S29). If the automatic accumulation is not set to be available, it is displayed that the automatic accumulation is not set to be available (step S26), and the setting of the automatic accumulation amount and the setting of the automatic accumulation flag are performed. Then, after the automatic accumulation can be used, the processes of the steps S28 and S29 are performed (step S27).
[0109]
On the other hand, when an answer indicating that the card is invalid is obtained (step S24), a display indicating that the card is invalid is performed. At this time, the reason for invalidation of the card may be displayed on the display of the attendant of the permanent processing machine (step S30).
[0110]
Next, the operation when changing the automatic credit in the permanently installed processing machine will be described with reference to the relationship diagram of FIG. 10 and the flowchart of FIG.
[0111]
When the user requests a change in the automatic credit in the permanent processing machine (51), the processor accepts the request for changing the automatic credit (52) and transmits the card ID of the user to the card company (53). . The card company determines the validity of the card by comparing it with negative data based on the sent card ID (54), and returns the determination result to the accumulator (55). It should be noted that the card validity determination can be performed by the management server in addition to the determination by the card company (a portion indicated by a broken line in FIG. 10).
[0112]
If the card is valid based on the returned determination result, the processor obtains the automatic credit amount input by the user (56), performs processing for setting the automatic credit amount (57), The changed automatic credit is written (58). Further, the change of the automatic credit is notified to the card company (59). The card company changes the data of the automatic credit (60).
[0113]
In the flowchart shown in FIG. 11, when the permanent processor receives the request for changing the automatic credit (step S31), the permanent processor acquires the ID code of the card ID, the automatic credit and the flag of the automatic credit from the card. (Step S32), the card ID and the automatic credit are sent to the card company by online transmission (Step S33).
[0114]
The judgment result is acquired (step S34), and when the answer that the card is valid is obtained (step S35), the user is made to input a change amount (step S36).
[0115]
The change amount entered by the user is compared with the currently set automatic credit amount (step S37). If they do not match, the change amount is written on the card (step S38), and the change amount is set by the card company. It is transmitted to the host (step S39). On the other hand, if they match, it is notified that the same automatic credit has been added, and a change in the input amount is requested.
[0116]
On the other hand, when an answer indicating that the card is invalid is obtained (step S35), a display indicating that the card is invalid is performed. At this time, the reason for invalidation of the card may be displayed on the display of the business operator of the permanent accumulator (step S40).
[0117]
Next, an example of setting a plurality of automatic credits will be described with reference to FIGS.
In the example shown here, by setting a plurality of types of automatic credits, the user can select the automatic credit, or automatically change the automatic credit according to the shortage.
[0118]
FIG. 12 shows an example of card recording data, which differs from the card recording data shown in FIG. 5 in that a plurality of automatic credits are recorded. In the example of FIG. 12, for example, three types of automatic surcharge data of automatic surcharge data A, automatic surcharge data B, and automatic surcharge data C are recorded.
[0119]
In the first mode using a plurality of automatic credits, the user selects an automatic credit to be set from the plurality of automatic credit data. This selection can be made, for example, by setting the selected automatic accumulation data in the automatic accumulation flag in a permanent accumulation machine.
[0120]
In the second mode in which a plurality of automatic credits are used, an automatic credit according to a shortage is set. FIG. 13 is a diagram showing the relationship between the shortage and the automatic credit. In the example shown in FIG. 13, the automatic credits are set to 500 yen, 1000 yen, and 2000 yen, respectively, according to the shortfalls of 500 yen, 1000 yen, and 2000 yen. For example, according to this setting, for example, if the shortfall is within 500 yen, an automatic surcharge of 500 yen is performed, and if the shortage is in the range of 500 to 1000 yen, an automatic surcharge of 1000 yen is performed. If the shortage is 1000 yen or more, an automatic accumulation of 2000 yen is performed. Thereby, the balance can always be within a predetermined range such as 500 yen or 1000 yen.
[0121]
The flowchart shown in FIG. 14 prepares three types of automatic credits A to C (corresponding to the criterion a, b, c of the shortage amount in FIG. 13), and calculates three automatic credits according to the shortage. This is an example of selection and setting, and shows the steps after step S10 in FIG.
[0122]
The balance read from the card is compared with the usage amount (or the automatic credit reference amount) (step S10). If the balance is larger than the usage amount, it is determined that the usage fee can be paid with the balance, and the balance is determined. Is subtracted from (step S47), and the balance is updated. This balance may be displayed on the display device (step S48).
[0123]
When the balance is smaller than the usage amount, it is determined whether or not the automatic accumulation is set (step S49).
[0124]
If the automatic accumulation is set, the shortage is compared with the shortage determination criteria a, b, and c shown in FIG. 13 (step S42). The additional amount A is read (step S43). If the shortage amount is larger than the criterion a and equal to or less than the criterion b, the automatic additional amount B is read out (step S44). The accumulated amount C is read. Here, it is assumed that the shortage amount is smaller than the automatic credit amount C. (Step S45).
[0125]
The balance is added to the acquired automatic accumulation amount to increase the balance (step S46). The usage amount is subtracted from the balance by increasing the balance (step S47), and the balance is updated. This balance may be displayed on the display device (step S48).
[0126]
If the automatic credit is not set on the card, it is displayed that the balance is insufficient (step S49), and payment with cash or payment with the balance of the card and cash is performed (step S50). When the balance is used, the balance is set to "0" (step S51).
[0127]
According to the aspect in which a plurality of automatic credits are used and selected according to the shortage, the amount to be paid in advance by credit can be reduced to a small amount.
[0128]
In addition, in a case where the traffic operators to use have set different automatic credits, the user may set different automatic credits according to the traffic operators to be used.
[0129]
Although the above processing system has been described by taking the bus transportation business as an example, the processing system can also be applied to a transportation business of a terminal such as a railway. Further, the present invention is not limited to the transportation business, but can be similarly applied to a business in which a usage fee is paid by card and credit settlement is performed, such as amusement facilities and various services.
[0130]
According to the embodiment of the present invention, it is possible to automatically perform the process of accumulating the credit usage amount, and it is possible to enhance the convenience by accumulating cards by credit settlement. Further, according to the embodiment of the present invention, it is possible to take advantage of both the convenience by credit and the use of premium added value by a prepaid card.
[0131]
【The invention's effect】
As described above, according to the electronic value accumulating method and the electronic value processing system of the present invention, it is possible to perform the accumulating processing of the card usage amount by credit settlement without using the accumulator, In addition, convenience can be enhanced by adding cards by credit settlement.
[0132]
[Brief description of the drawings]
FIG. 1 is a schematic diagram for explaining a processing system according to the electronic value accumulating method of the present invention.
FIG. 2 is an example of data stored in a storage unit provided in a card company in the present invention.
FIG. 3 is an example of data stored in a storage unit included in a server in the present invention.
FIG. 4 is an example of data stored in a storage unit provided in the terminal in the present invention.
FIG. 5 is an example of card storage data according to the present invention.
FIG. 6 is a relationship diagram for explaining an operation of automatic accumulation according to the present invention.
FIG. 7 is a flowchart of a terminal process of an automatic accumulation operation according to the present invention.
FIG. 8 is a relation diagram for explaining a manual accumulating operation of the permanent processing machine of the present invention.
FIG. 9 is a flowchart of a manual accumulating operation of the permanent processing machine of the present invention.
FIG. 10 is a relationship diagram for explaining an operation of changing the automatic credit amount of the permanent processing machine of the present invention.
FIG. 11 is a flowchart for explaining an operation of changing the automatic credit amount of the permanent processing machine of the present invention.
FIG. 12 is an example of card storage data in an example of setting a plurality of automatic credits according to the present invention.
FIG. 13 is a diagram showing a relationship between a shortage amount and an automatic credit amount.
FIG. 14 is a flowchart of an example of setting a plurality of automatic credits according to the present invention.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Electronic value processing system 2 ... Credit settlement side 2a1 ... Transmission / reception means 2a2 ... Online means 2b ... Card management means 2c ... Storage means 2d ... Input means 2e ... Card issuing means 2f ... Automatic Accumulation input means, 3 ... business side, 4 ... card, 4c ... storage means, 10 ... server, 10a ... transmission / reception means, 10b ... data processing means, 10c ... storage means, 20 ... permanent processing machine, 20a ... online means , 20b ... data processing means, 20c ... storage means, 20d ... input means, 20e ... card reader / writer, 30 ... terminal, 31 ... station gate machine, 32 ... stop equipment, 33 ... on-board equipment, 31b, 32b, 33b (30b ) Data processing means, 31c, 32c, 33c (30c) Storage means, 31e, 32e, 33e (30e) Card reader / writer.

Claims (14)

A method of processing an electronic value in which an electronic value recorded on a recording medium is settled by credit,
In response to a change in the electronic value due to consumption of the electronic value, when the electronic value is equal to or less than a predetermined amount, the electronic value recorded on the recording medium is automatically increased by automatically increasing the automatic accumulation amount. More than
By recording the automatic accumulation amount in a recording medium so as to be changeable, the holding range of the electronic value recorded by the recording medium is made variable,
A method of accumulating electronic value, wherein the credit settlement is performed for each of the accumulating processes according to the automatic accumulating amount. 2. The electronic value accumulating method according to claim 1, wherein the recording medium enables the automatic credit to be rewritten, and performs the automatic credit based on the rewritten automatic credit. The recording medium records an available electronic value as a balance,
The automatic credit amount or the value obtained by adding value to the automatic credit amount is the added amount to the balance,
3. The method according to claim 1, wherein an amount obtained by subtracting an added value from an amount added to the balance is set as an automatic accumulation amount. 4. The method according to claim 2, wherein the electronic value is used as a price for a service provided by a bus transportation company. The recording medium, when using an electronic value at a terminal of a transportation facility and / or a transportation facility provided by the bus transportation company, performs a comparison between the electronic value to be recorded and the predetermined amount, and based on a result of the comparison. The electronic value accumulating method according to claim 4, wherein the automatic accumulating is performed. 3. The method according to claim 2, wherein the recording medium changes an automatic charge amount of the automatic charge after confirming the validity of the credit. If the recording medium and / or the credits associated with the recording medium are invalid,
7. The accumulation of electronic value according to any one of claims 1 to 6, wherein the recording medium allows consumption of the electronic value already recorded, and limits automatic accumulation on the recording medium. Method. An electronic value processing system in which electronic value recorded on a recording medium is settled by credit,
A recording medium for recording an electronic value and an automatic credit,
A management server that manages the recording medium;
Terminal means for taking offline with the management server, reading and writing data in a non-contact or contact with the recording medium,
When the electronic value is equal to or less than a predetermined amount, the recording medium automatically accumulates an automatic accumulative amount in response to a change in the electronic value due to consumption of the electronic value. The amount of electronic value to be recorded can be made variable by increasing the amount more than the amount and making the automatic accumulation amount changeable,
The terminal means acquires and holds the data of the automatic accumulation amount from the recording medium every time the recording medium performs the accumulation processing,
The management server performs an electronic value settlement process by totalizing the automatic credits obtained from each recording medium via the terminal means by batch processing and sending the total data to credit management means. A processing system for electronic value. The recording medium includes at least one of ID data of a unique card ID for identifying the recording medium, a unique accumulation ID for identifying the accumulation of the recording medium, and a unique credit ID attached to the recording medium.
The terminal means updates and records the recording medium and / or the credit invalidation information attached to the recording medium in a batch process from the management server in the form of ID data, and stores the ID data acquired from the management server. 9. The electronic value processing system according to claim 8, wherein the invalidation of the recording medium and / or the credit attached to the recording medium is determined by collating with the ID data acquired from the recording medium. The electronic value is used as compensation for a service provided by a bus transportation operator,
The terminal means is installed in a fixed transportation facility provided by the transportation company and / or in a moving transportation facility, and ID data and / or automatic accumulation is performed by batch processing with a management server managed by the transportation company. The electronic value processing system according to claim 9, wherein information is transmitted and received. Read and write data by communicating non-contactly or in contact with a recording medium that records electronic value, and communicate online with credit management means,
A process of communicating with credit management means to confirm the validity of the recording medium and / or the credits attached to the recording medium;
9. The electronic value according to claim 8, further comprising a processor that communicates with a recording medium to register or change an automatic credit amount and / or perform a credit accumulation process on the recording medium. Processing system. A recording medium for recording an electronic value used by a transportation company,
Record electronic value and automatic credit,
In response to a change in the electronic value due to consumption of the electronic value, when the electronic value is equal to or less than a predetermined amount, the electronic value recorded on the recording medium is stored by automatically increasing the automatic credit amount. Increase more than the amount,
By allowing the automatic credit to be changed freely, the holding range of the electronic value recorded by the recording medium is made variable,
The recording medium according to claim 1, wherein the accumulated automatic accumulation amount is settled with a credit according to the automatic accumulation amount. A means for reading and writing data by performing communication in a non-contact or contact manner with a recording medium for recording an electronic value, and an online means for transmitting and receiving the credit management means online,
Collating means for collating ID data unique to a recording medium or a credit accompanying the recording medium obtained from the recording medium with negative data indicating validity of the recording medium or a credit accompanying the recording medium obtained from the credit management means. With
The read / write unit allows an accumulating process on the recording medium based on a comparison result of the comparison unit,
The online means sends automatic credit information of the credit processing to the credit management means,
The accumulator is characterized in that the accumulating process is determined based on an automatic accumulating amount set variably on a recording medium. Means for reading and writing data by performing non-contact or contact communication with a recording medium for recording an electronic value,
Means for transmitting and receiving information to and from the management server by batch processing;
Collation means for collating ID data unique to the recording medium acquired from the recording medium or the credit attached to the recording medium and negative data indicating the validity of the recording medium acquired from the management server or the credit attached to the recording medium. With
The read / write unit allows an accumulating process on the recording medium based on a comparison result of the comparison unit,
The batch processing means sends automatic accumulation information of the accumulation processing to a management server,
The automatic accumulator according to claim 1, wherein the accumulating process is determined based on an automatic accumulating amount set variably on a recording medium.

Images