JP3313347B2 - Debit processing system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an electronic payment processing system using a card, and more particularly to a debit processing system using a debit method.

[0002]

2. Description of the Related Art As electronic commerce based on an information communication network is progressing, it is important to establish a reliable and secure electronic payment system. A so-called debit card that uses the debit method, one of the electronic payment systems, has been used in Japan since this year. In a processing system using the debit method, when a customer purchases a product or the like at a member store, the member store checks the customer's bank account balance, debits the purchase price from the customer's account, and transfers the purchase price to the member store's account. It will be. Therefore, there is no risk of unpaid fees for the merchant. In this process, the customer usually presents the debit card to the merchant,
The member store confirms the bank account balance of the customer through the network by applying the card to a payment receiving device installed in the store, a so-called terminal device.

Basically, in the conventional online debit processing system, each time a customer and a member store trade in goods or the like, the balance inquiry of the customer's deposit account is executed online and in real time. However, in order to actually perform the settlement, it is necessary to transmit sales data including the data of the specific contents of the transaction and the amount of payment, etc. , And a dual message system in which sales data is transmitted and a direct debit is performed with a time delay (for example, at night or later on the day) separately from the balance inquiry. These differ only in whether the direct debit is a real-time process or a batch process, and there is no essential difference.

FIG. 13 is a block diagram schematically showing a conventional online debit processing system 50. As shown in FIG.
Debit card (hereinafter simply referred to as "card") 5
2 is a conventional one, which is issued by a card issuer. In Japan, banks can be issuers. The card issuer has a debit processing system 50 that executes payment processing of a sales transaction at a member store using the card 52. The online debit processing control unit 64 manages and controls the data flow and processing of the entire system. The payment accepting device 62 is installed in the member store, and is connected online to the accounting processing unit 66 under the control of the online debit processing control unit 64. The payment accepting device 62 performs a read / write process on the card 52,
Data is exchanged with the accounting processing unit 66 online. The account processing unit 66 includes the payment receiving device 62
In addition to sending the necessary data to the customer, the customer's bank account balance is inquired based on the data transmitted from the payment receiving device 62, and the debit from the account balance is executed.

[0005] In an actual sales transaction, first, a customer, that is, a cardholder presents the card 52 to a member store and requests settlement processing by the debit processing system 50. Next, the card 52 is applied to the payment receiving device 62. The payment receiving device 62 requests the account processing unit 66 to check the account balance of the cardholder online via the network. That is, it is confirmed whether or not the account balance of the cardholder is equal to or more than the price of the product to be traded, that is, the payment amount. Here, the cardholder's account is usually an account that exists in the bank that is the card issuer. In the single message system, the sales data is transmitted at the same time. If the account balance is equal to or more than the payment amount, the account processing unit 66 immediately executes the withdrawal from the account. Thereafter, the processing result is notified by a predetermined printout or the like via the payment receiving device 62. On the other hand, if the account balance of the cardholder is less than the payment amount as a result of the balance inquiry, the transaction is rejected, and a notification to that effect is given.

In the dual message system, when it is confirmed by the balance inquiry that the account balance is equal to or more than the payment amount, the accounting processing unit 66 performs an immediate account balance lock instead of the immediate debit. That is, the account balance is locked by the amount corresponding to the payment amount. In the dual message method, sales data is not transmitted at this time. This account balance locked part is deposit-bound,
It cannot be withdrawn. This is to avoid the risk of unpaid payment due to immediate debit processing. Then, the processing result is notified via the payment receiving device 62 by a predetermined printout or the like. Further, at a predetermined time, after the sales data is transmitted to the accounting system processing unit 66 through the network in a batch process, the reduction of the account balance lock amount, that is, the account debit is executed.

[0007]

As described above, the conventional debit processing system 50 performs online inquiry of the account balance of the customer in real time and executes immediate debit or immediate account balance lock every time a transaction is made. There is no risk of unpaid payment, but on the other hand, the burden of communication cost and communication processing time is a major problem. In particular, the fact that the lower the unit sales price is, the higher the ratio of the processing cost to the sales amount becomes a major obstacle in the system where development in the retail field is expected.

In view of the above situation, the present invention significantly reduces the communication cost and communication processing time by real-time inquiry in a debit processing system, which is one of the electronic settlement systems, and saves time and effort required for inputting an account number. It is another object of the present invention to provide a system capable of preventing a number eavesdropping at the time of input and preventing a risk of damage due to unpaid payment.

[0009]

In order to solve the above-mentioned object, the present invention provides a debit processing system having the following configuration.

A debit processing system according to the present invention has the following basic structure: a card capable of storing a monetary value of readable and writable electronic data as a balance in a card, and reading and writing of the balance in the card from and to the card. A payment accepting device that performs processing, an account processing unit that executes account balance lock and account debit on the account balance of the cardholder based on data transmitted from the payment accepting device, and an account processing unit. A monetary value issuing unit that issues a monetary value based on the processing result and transmits the monetary value to the payment receiving device, and data flow and processing between the payment receiving device, the accounting processing unit, and the monetary value issuing unit. And a debit processing control unit for controlling.

(1) In the first configuration having the above basic configuration, the payment accepting device determines whether or not the payment amount is equal to or less than the balance in the card, and the payment amount is equal to or less than the balance in the card. In the case, the payment receiving device reduces the balance in the card by the payment amount, and transmits data of the reduction in the balance in the card to the monetary value issuing unit at a later time, and The accounting-related processing unit is configured to, in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit, deduct the payment amount from the account balance of the card holder, and When the amount exceeds the balance in the card, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing unit based on the data of the payment amount. Underpayment Is determined to be less than or equal to the account balance, and if the underpaid amount is less than or equal to the account balance, the account processing unit locks the underpaid amount to the account balance and at the maximum stores the card in the card. The account balance is locked, the monetary value issuing unit issues a monetary value corresponding to the account balance locked amount and transmits the monetary value to the payment receiving device, and the payment receiving device transmits the monetary value to the payment receiving device. After filling the target value into the card, the balance in the card is reduced by the payment amount, and at a later time, the data corresponding to the reduction in the balance in the card is transmitted to the monetary value issuing unit; and The account processing unit debits the payment amount from the account balance in response to the data of the decrement of the balance in the card being transmitted to the monetary value issuing unit.

(2) In the second configuration having the above basic configuration, the payment accepting device determines whether or not the payment amount is equal to or less than the balance in the card, and the payment amount is equal to or less than the balance in the card. In the case, the payment receiving device reduces the balance in the card by the payment amount, and transmits data of the reduction in the balance in the card to the monetary value issuing unit at a later time, and The accounting-related processing unit is configured to, in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit, deduct the payment amount from the account balance of the card holder, and When the amount exceeds the balance in the card, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing unit based on the data of the payment amount. Underpayment Is determined to be less than or equal to the account balance, and if the underpaid amount is less than or equal to the account balance, the account processing unit immediately deducts the underpaid amount from the account balance and at the maximum The account storage lock amount is locked to the account balance, and the monetary value issuing unit issues a monetary value corresponding to the maximum storage limit locked by the account balance and transmits the monetary value to the payment receiving device. Fills the card with the transmitted monetary value after reducing the entire balance in the card, and transmits the reduced amount of data in the card balance to the monetary value issuing unit at a later time. And the account processing unit withdraws the reduced amount from the account balance of the card holder in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit. .

(3) In the third configuration having the above basic configuration, the payment receiving device determines whether or not the payment amount is equal to or less than the balance in the card, and the payment amount is equal to or less than the balance in the card. In the case, the payment receiving device reduces the balance in the card by the payment amount, and transmits data of the reduction in the balance in the card to the monetary value issuing unit at a later time, and The accounting-related processing unit is configured to, in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit, deduct the payment amount from the account balance of the card holder, and When the amount exceeds the balance in the card, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing unit based on the data of the payment amount. Underpayment Is determined to be less than or equal to the account balance, and if the underpaid amount is less than or equal to the account balance, the account processing unit locks the underpaid amount to the account balance and at the maximum stores the card in the card. The account balance is locked, the monetary value issuance unit issues the monetary value of the account balance locked maximum amount stored in the card, and transmits the monetary value to the payment receiving device. After the entire balance in the card is reduced, the transmitted monetary value is filled in the card, and at a later time, the reduced data of the balance in the card is transmitted to the monetary value issuing unit. And the account processing unit withdraws the payment amount from the account balance of the cardholder in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit. .

(4) In any one of the above constitutions (1) to (3), the accounting system processing section determines whether or not a shortage of payment is equal to or less than the account balance based on the data of the payment amount. In the step of performing, if the underpaid amount exceeds the account balance, the accounting system processing unit locks the account balance at the maximum by subtracting the balance in the card from the storage limit in the card, and locks the monetary value. The issuing unit issues a monetary value corresponding to the locked amount of the account balance and transmits the monetary value to the payment receiving device, and the payment receiving device fills the card with the transmitted monetary value.

(5) In the fourth configuration having the above basic configuration, the payment accepting device determines whether or not the payment amount is equal to or less than a predetermined storage limit in the card, and stores the payment amount in the card. When the payment amount is equal to or less than the limit amount, it is determined whether the payment amount is equal to or less than the balance in the card, and the payment amount is equal to or less than the storage limit amount in the card set in advance and equal to or less than the balance in the card. In this case, the payment accepting device reduces the balance in the card by the payment amount, transmits data corresponding to the reduction in the balance in the card to the monetary value issuing unit at a later point in time, and The system processing unit, in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit, withdraws the payment amount from the account balance of the card holder, and the payment amount is reduced. Pre-set car If it is less than or equal to the storage limit and exceeds the balance in the card, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing unit, It is determined whether the underpaid amount is less than or equal to the account balance based on the data of the amount of payment, and if the underpaid amount is less than or equal to the account balance, the account processing unit determines the underpaid amount as the account balance. At the same time, the account balance is locked with an amount obtained by subtracting the underpaid amount from the card storage limit, and the monetary value issuing unit issues a monetary value corresponding to the account balance locked amount. The payment receiving device fills the card with the transmitted monetary value, and then reduces the balance in the card by the payment amount. At this time, the reduced data of the balance in the card is transmitted to the monetary value issuing unit, and the account processing unit transmits the reduced data of the balance in the card to the monetary value issuing unit. In response to this, the payment amount is deducted from the account balance.

(6) In the configuration of the above (5), in the step of determining whether or not the underpaid amount is equal to or less than the account balance based on the data of the paid amount, If the amount exceeds the account balance, the account processing unit locks the account balance at the maximum by deducting the card balance from the card storage limit, and the monetary value issuing unit executes the account balance A monetary value corresponding to the locked amount is issued and transmitted to the payment receiving device, and the payment receiving device fills the card with the transmitted monetary value.

(7) In the configuration of (5), the payment accepting device determines whether or not the payment amount is equal to or less than a predetermined storage limit in the card.
If the payment amount exceeds a preset storage limit in the card, the payment accepting device transmits the payment amount and the data of the balance in the card to the account processing unit, and the account processing unit, It is determined whether the payment amount is equal to or less than the account balance, and if the payment amount is equal to or less than the account balance, the account processing unit immediately debits the payment amount from the account balance, and The account balance is locked by subtracting the balance in the card from the storage limit in the card, and the monetary value issuing unit issues a monetary value corresponding to the locked amount of the account balance to execute the payment receiving device. And the payment receiving device fills the card with the transmitted monetary value.

(8) In the configuration of the above (7), in the step of determining whether or not the payment amount is equal to or less than the account balance, when the payment amount exceeds the account balance, The account processing unit locks the account balance at the maximum by deducting the balance in the card from the storage limit in the card, and the monetary value issuing unit controls the monetary value by the amount of money locked in the account balance. A value is issued and transmitted to the payment receiving device, and the payment receiving device fills the card with the transmitted monetary value.

[0019]

DESCRIPTION OF THE PREFERRED EMBODIMENTS A debit processing system according to the present invention can be implemented in several different embodiments.
Hereinafter, embodiments of the present invention will be described with reference to FIGS. First, FIG. 1 shows a schematic configuration of a debit processing system 10 according to the present invention, which is common to all embodiments. The card issuer issues the card 12. The debit processing control unit 24 is a central processing unit of the system, and the entire system, that is, the payment receiving device 2
2. It manages and controls the flow and processing of data between the accounting processing unit 26 and the monetary value issuing unit 28. In the following description of each embodiment, the control performed by the debit processing control unit 24 is not specifically described, but it is assumed that all processes are performed under the control of the debit processing control unit 24. That is, the payment receiving device 22 and the accounting system processing unit 26
And the data transmission between the payment receiving device 22 and the monetary value issuing unit 28 are all performed via the debit processing control unit. Hereinafter, the outline of each component will be described.

The card 12 is issued by a card issuer and held by a card holder. Card 12
It has a readable and writable storage unit in which monetary values can be stored. The monetary value is obtained by adding a value similar to cash to electronic data.

The payment receiving device 22 is installed in each member store, and is connected online to the accounting system processing unit 26 and the monetary value issuing unit 28 under the control of the debit processing control unit 24. The payment accepting device 22 performs a read / write process on the card 12 at the time of a sales transaction, and exchanges data with the account processing unit 26 and the monetary value issuing unit 28. The payment accepting device 22 reads the monetary value data stored in the card 12 and, when determining that offline payment is possible, executes offline payment without executing real-time online balance inquiry (offline payment ( I)), the offline payment data is accumulated, and the monetary value issuing unit 28 is later batch-processed.
Transmit to Here, "later" means not immediately, that is, not in real time, but later than the trading transaction, that is, "later", and includes, for example, the night of the transaction day. Furthermore, the payment receiving device 22
The monetary value issued by the monetary value issuing unit 28 is also filled in the card 12, that is, plays a role of writing data.

When the above-mentioned offline payment (I) is impossible, the accounting system processing unit 26 receives predetermined data from the payment receiving device 22 in real time and online,
Based on the data, inquire the customer's account balance, etc., execute immediate debit from account balance or execute immediate account balance lock (online payment (II)), and / or execute account debit settlement by batch processing at a later date I do.

The monetary value issuing unit 28 issues a monetary value stored in the card 12. Issuance of monetary value
This is performed depending on the processing executed by the accounting processing unit 26. The issued monetary value is sent to the payment receiving device 22 online, and the card 12 is charged through the payment receiving device 22. Further, the monetary value issuing unit 28 receives data of the monetary value paid off-line from the payment receiving device 22.

The specific procedure of the offline payment (I) and the online payment (II) in FIG. 1 differs depending on each embodiment of the present invention described later.

FIG. 2 is a diagram schematically illustrating the main concept in the system configuration of the present invention. The figure on the left shows card 1.
2. The monetary value stored in 2, that is, the balance 14 in the card
Show the whole. The height Q of the rectangle corresponds to the size of the balance in the card. Qmax indicates the storage limit of the balance in the card, which is the upper limit of the monetary value stored in the card, and is a fixed value set at the time of card application. Card balance Q
Fluctuates due to the execution of the cardholder's sales transaction. The balance Q in the card at the time of card application can be arbitrarily determined at the operation level. For example, when Q is set to zero, a case is considered in which filling is performed up to a storage limit Qmax.

The card 12 is preferably implemented in the form of an IC card. In recent years, in order to secure the security required for electronic payment cards, the transition from conventional magnetic cards to IC cards is progressing. An IC card has the advantage that it can hold a large amount of information in addition to being difficult to falsify or forge, etc. as compared with a magnetic card.
For example, off-line processing is realized by holding and managing information (unpaid balance, withdrawable balance, account balance, etc.) conventionally managed by a card issuer's customer master, that is, a database in a computer, in an IC card. be able to.

The right side of FIG. 2 shows the entire deposit account 32 opened by the card holder at the bank which is the card issuer. The height of the rectangle corresponds to the size of the amount. A indicates the account balance, and B indicates the account balance locked portion of the account balance A. C indicates a portion of the account balance lock B which is “underpayment amount lock” (this will be described later). The portion D obtained by subtracting the underpayment lock C from the account balance lock B is an account balance lock portion of the account balance lock B other than the underpayment lock C.

The account balance lock B is a portion of the account balance restricted by deposits, and is a portion where deposits cannot be withdrawn. This is to avoid the risk of unpaid payment in card use where payment is not due to immediate debit. By the way, when the account balance A has a portion of the account balance lock B, the account balance that the depositor can freely use by means other than the card is:
This is the portion of "AB". A, B, C and D fluctuate due to the execution of the cardholder's sales transaction. Hereinafter, each embodiment will be described.

(1) First Embodiment FIG. 3 is a flowchart schematically showing a process according to a first embodiment of the present system. FIG. 4 and FIG. 5 are diagrams schematically showing an example of the processing along the flowchart of FIG. In step 101 of FIG. 3, the payment process is started when the cardholder requests payment processing by card when purchasing a product or the like at a member store. Then, the card is applied to the payment receiving device 22. In step 102, the payment receiving device 22 reads the balance data in the card to determine whether the payment amount is equal to or less than the balance in the card. When it is determined that the payment amount is equal to or less than the balance in the card, in step 103, the payment accepting device 22 approves the transaction of the product or the like without inquiring the account balance of the cardholder in real time online. Then, a process of reducing the balance in the card by an amount corresponding to the payment amount is performed. The payment accepting device 22 accumulates data of this card balance reduction processing. Therefore,
This means that the reduced monetary value has been transferred from the card to the payment accepting device. In step 106, the payment process is terminated by passing the processing result (printout describing the transaction details, etc.) together with the card to the cardholder.

The flow of steps 102, 103 and 106 is the most basic off-line payment processing and is common to any of the other embodiments described later.
This processing results in a reduction in real-time online processing, which is the greatest effect of the present invention. As a result, it is possible to greatly reduce the cost of real-time online processing that has been conventionally performed each time a sales transaction is performed.

FIG. 4 is a diagram schematically showing an example of the processing including step 103. In addition, in order to represent the fluctuation of the balance Q in the card, the account balance A, the account balance lock B.
Numerals such as 1, Q2 .., A1, A2 .. may be attached. In the figure, the numbers in parentheses indicate the corresponding steps in the flowchart of FIG. The vertical white arrow indicates a change in the balance Q in the card or the balance A in the account. The horizontal arrow represents the transfer of monetary value. P represents the price of the product or the like, that is, the payment amount. These signs in FIG. 4 are the same in similar drawings in other embodiments described later.

As shown in FIG. 4, by executing the offline payment, the monetary value corresponding to the payment amount P is reduced from the balance Q1 in the card. Thereafter, the balance in the card becomes Q2 (Q2 = Q1-P). Note that the alternate long and short dash line in the figure is provided to distinguish between immediate processing and later processing. In this simplest offline payment, the contents of the account balance A do not fluctuate in the immediate processing. At a later time, when the monetary value paid off-line is received from the payment accepting device to the monetary value issuing unit, the account processing unit withdraws the payment amount P from the account balance lock B1 based on the information. Thereby, the account balance A1 shifts to A2 (A2 = A1-P), and the account balance lock B1 shifts to B2 (B2 = B1-P).

As described above, the monetary value paid off-line (ie, the monetary value reduced from the balance in the card) is transferred to the monetary value issuing unit by a later process (ie, the electronic data is transmitted). At that time)
In the present specification, the fact that the accounting-related processing unit actually performs the withdrawal from the account balance lock portion based on the deposit data is referred to as “withdrawal after deposit”.

Returning to FIG. 3, a case will be described in which it is determined in step 102 that the payment amount exceeds the balance in the card. If the offline payment is continued, the balance in the card is gradually reduced (the account balance lock portion is also reduced at the same time), and such a situation will eventually occur. Only then does the real-time online processing begin. First, data including the payment amount and the balance in the card is transmitted online from the payment accepting device 22 to the account processing unit 26. In step 107, the accounting system processing unit 26 determines whether the underpaid amount is equal to or less than the account balance based on the transmitted payment amount data. If the underpaid amount is less than the account balance, step 1
At 08, account balance locking of an amount corresponding to the underpaid amount is performed (hereinafter, this process is simply referred to as “underpaid amount lock”). Further, in step 109,
The account balance is locked for the amount corresponding to the storage limit of the card (hereinafter, this process is simply referred to as “storage limit lock”).

FIG. 5 shows these steps 108 and 109.
FIG. 7 is a diagram schematically illustrating an example of a process including a. Since the balance Q1 in the card is insufficient for the payment amount P, a shortage lock C1 and a storage limit lock D1 are newly secured for the account balance A1. Here, account balance lock D
The part of 0 has been secured in the account balance A1 before the current transaction.

It should be noted here that, when the storage limit is to be locked in step 109, the portion where the account balance is not locked may be less than the storage limit.
In that case, the account balance is locked for all the unlocked portions. That is, D1 ≦ Qmax in FIG. Therefore, when the storage limit is locked, an amount less than the storage limit may be locked. Therefore, when "locking the storage limit" is used in this specification,
It is used in the sense of "locking the storage limit at the maximum", and includes a case where an amount less than the storage limit is locked (the same applies to the following embodiments).

Next, in step 111 of FIG. 3, the monetary value issuing unit 28 causes the account balance locked in steps 108 and 109 based on the processing result of the accounting system processing unit 26 (“C1 + D1” in FIG. 5). Is newly issued and sent online to the payment receiving device 22. In step 104, the payment accepting device 22 fills the card with the issued monetary value.
As shown in FIG. 5, the balance in the card at this point is "Q1 +
C1 + D1 ". Then, after filling in the monetary value, an off-line payment for reducing the payment amount P from the balance in the card is executed. As shown in FIG. 5, as a result, the balance in the card becomes Q2 (= D1), that is, the storage limit. This means that the balance in the card has been restored. The payment process ends in step 106 of FIG.

Thereafter, the payment amount P is debited from the account balance lock B1 in the account balance A1 after payment by the post-processing shown in FIG. 5, the account balance is changed from A1 to A2, and the account balance lock is changed from B1 to B2 ( B2 = B1-P = B1- (C1 + Q
Fluctuates to 1)). When the settlement by the later processing is completed, the account balance lock portion in the account balance has been restored as compared with before the transaction.

In the first embodiment, all payments are always made using the monetary value in the card, regardless of the amount of payment. Regardless of the amount of payment, the payment amount is always deducted after payment.

Next, a description will be given of the processing when the underpaid amount exceeds the account balance in step 107.
In this case, since payment cannot be made, the purchase of the product itself is rejected. However, even in this case,
The recovery process of the balance in the card and the account balance lock portion is executed. In step 110, the accounting system processing unit 26
The account balance is locked to the amount corresponding to “storage limit−balance in card” in the account balance. As a result, the account balance lock portion is restored. Next, in step 112, the monetary value issuing unit issues a monetary value corresponding to the locked amount of the account balance, and transmits the monetary value to the payment receiving device 22 online. In step 105, the payment receiving device 22 fills the card with the issued monetary value. As a result, the balance in the card is restored to the storage limit.

It should be noted here that when it is attempted to lock the “storage limit—the balance in the card” in step 110, the part that is not locked is less than the “storage limit—the balance in the card”. There may be cases. In that case, the account balance is locked for all the unlocked portions. Therefore, an amount less than the “storage limit—the balance in the card” may be locked. Therefore, in this specification, "locking the" storage limit-balance in the card "" is used to mean "to lock the" storage limit-the balance in the card "at the maximum" ―
It is assumed that a case where an amount less than the “in-card balance” is locked (the same applies to the following embodiments).

(2) Second Embodiment FIG. 6 is a flowchart schematically showing a process according to a second embodiment of the present system. FIG. 7 is a diagram schematically showing an example of the processing along the flowchart of FIG. Step 2 in FIG.
At 01, the payment process is started when the card holder requests payment processing with a card when purchasing a product or the like at a member store. Then, the card is applied to the payment receiving device 22. In step 202,
The payment accepting device 22 determines whether or not the payment amount is equal to or less than the balance in the card by reading the balance data in the card. When it is determined that the payment amount is equal to or less than the balance in the card, in step 203, the payment receiving device 22
Approve the purchase and sale of the product without checking the account balance of the cardholder in real time online. Then, a process of reducing the balance in the card by an amount corresponding to the payment amount is performed. The payment accepting device 22 accumulates data of this card balance reduction processing. Therefore, the monetary value of the reduced amount has been transferred from the card to the payment receiving device. In step 206, the payment process is completed by passing the processing result (printout describing the transaction details) together with the card to the cardholder. The flow of these steps 202, 203 and 206 is the same as steps 101, 103 and 106 in FIG.

The online processing when the payment amount exceeds the card balance in step 202 will be described. In FIG. 6, first, data including the payment amount and the balance in the card is transmitted online from the payment receiving device 22 to the account processing unit 26. In step 207, the accounting processing unit 26 determines whether or not the underpaid amount is equal to or less than the account balance based on the transmitted payment amount data. If the underpaid amount is equal to or less than the account balance, in step 208, the amount corresponding to the underpaid amount is deducted from the immediate account balance. Further, in step 209, the storage limit is newly locked for the account balance.

FIG. 7 shows these steps 208 and 209.
An example of a process including (a) is schematically shown. Since the balance Q1 in the card is less than the payment amount P, the underpaid amount is immediately deducted from the account balance A1. This immediate debit is a debit from a portion other than the account balance lock. Here, the portion of the account balance lock D0 has been secured in the account balance A1 before the current transaction. As a result of the immediate debit, the account balance becomes A2. Then, the storage limit D1 is newly locked in the account balance A2.

Returning to FIG. 6, in step 211,
Based on the processing result in the accounting processing unit 26, the monetary value issuing unit 28 newly issues a monetary value corresponding to the amount (D1 in FIG. 7) locked in the storage limit in step 209, and pays it online. Send to reception device 22. In the present embodiment, in step 204, the payment accepting device 22 first makes an offline payment using the balance in the card (Q1 in FIG. 7) (at this point, the balance in the card is reduced to zero), and then issued. Fill the card with the monetary value given. This is to avoid a situation where the balance in the card exceeds the storage limit even temporarily. FIG.
As shown in (2), the balance in the card after filling is restored to Q2 (= D1). The payment process ends in step 206 of FIG.

Thereafter, by the later processing shown in FIG. 7, from the account balance lock B2 in the account balance A2, the amount of the offline payment of the payment amount P (the reduction amount of the balance in the card = Q1).
Is debited after payment, the account balance changes from A2 to A3, and the account balance lock changes from B2 to B3. The account balance lock portion has also been restored from D0 before transaction to B3.

In the second embodiment, the balance in the card is used as much as possible regardless of the amount of payment, and the shortfall is settled by immediate debit. Only offline payments will be deducted after deposit.

Next, in step 207, if the underpaid amount exceeds the account balance, step 21 is executed.
The processing of steps 0, 212, and 205 is exactly the same as the processing of steps 110, 112, and 105 in FIG. 3 in the above-described first embodiment, and a description thereof will not be repeated. In this case, since payment is not possible, the purchase of the product itself is rejected, but recovery processing of the balance in the card and the account balance lock portion is performed.

(3) Third Embodiment FIG. 8 is a flowchart schematically showing a process according to a third embodiment of the present system. FIG. 9 is a diagram schematically showing an example of the processing along the flowchart of FIG. Step 3 in FIG.
At 01, the payment process is started when the card holder requests payment processing with a card when purchasing a product or the like at a member store. Then, the card is applied to the payment receiving device 22. In step 302,
The payment accepting device 22 determines whether or not the payment amount is equal to or less than the balance in the card by reading the balance data in the card. When it is determined that the payment amount is equal to or less than the balance in the card, the payment receiving device 22
Approve the purchase and sale of the product without checking the account balance of the cardholder in real time online. Then, a process of reducing the balance in the card by an amount corresponding to the payment amount is performed. The payment accepting device 22 accumulates data of this card balance reduction processing. Therefore, the monetary value of the reduced amount has been transferred from the card to the payment receiving device. In step 306, the payment process is completed by passing the processing result (such as a printed output describing the transaction details) together with the card to the card holder. Steps 302, 303 and 306 correspond to step 1 in FIG.
Same as 01, 103 and 106.

The online processing when the payment amount exceeds the card balance in step 302 will be described. In FIG. 8, first, data including the payment amount and the balance in the card is transmitted online from the payment receiving device 22 to the account processing unit 26. In step 307, the accounting system processing unit 26 determines whether or not the underpaid amount is equal to or less than the account balance based on the transmitted data. If the underpaid amount is equal to or less than the account balance, in step 308,
Lock the underpaid amount in the account balance. Further, in step 309, the storage limit is locked in the account balance.

FIG. 9 shows these steps 308 and 309.
FIG. 7 is a diagram schematically illustrating an example of a process including a. Since the balance Q1 in the card is insufficient for the payment amount P, the underpayment lock C1 and the storage limit lock D1 are secured for the account balance A1. Here, the portion of the account balance lock D0 has been secured in the account balance A1 before the current transaction.

Next, the monetary value issuing section 28 corresponds to the storage limit lock portion (D1 in FIG. 9) of the account balance lock secured in step 309 based on the processing result of the accounting processing section 26. Issue new monetary value,
Send it to the payment receiving device 22 online. In the present embodiment, in step 304, the payment receiving device 22
First, the user makes an offline payment using the balance in the card (Q1 in FIG. 9) (at this point, the balance in the card is reduced to zero), and thereafter, the issued monetary value is filled in the card. This is to avoid a situation where the balance in the card exceeds the storage limit even temporarily. As shown in FIG. 9, the balance in the card is recovered to Q2 (= D1) by filling. At step 306 in FIG. 8, the payment process ends.

Thereafter, the payment amount P is deducted from the account balance lock B1 in the account balance A1 after payment by the post-processing shown in FIG. 9, the account balance is changed from A1 to A2, and the account balance lock is changed from B1 to B2 ( B2 = B1-P = B1- (C1 + Q
Fluctuates to 1)). When the settlement by the later processing is completed, the account balance lock portion in the account balance has been restored as compared with before the transaction.

In the third embodiment, the balance in the card is used as much as possible, regardless of the amount of payment, and the shortfall is settled by locking the account balance. Regardless of the amount of payment, the payment amount is always deducted after payment.

Next, in step 307, if the underpaid amount exceeds the account balance, step 31
The processing of steps 0, 312, and 305 is exactly the same as the processing of steps 110, 112, and 105 in FIG. 3 in the first embodiment described above, and a description thereof will be omitted. In this case, since payment is not possible, the purchase of the product itself is rejected, but recovery processing of the balance in the card and the account balance lock portion is performed.

(4) Fourth Embodiment FIG. 10 is a flowchart schematically showing a process according to a fourth embodiment of the present system. FIG. 11 and FIG.
It is a figure which shows an example of the process along the flowchart of FIG.
In step 401 of FIG. 10, the payment process is started when the card holder requests payment processing with a card when purchasing a product or the like at a member store. Then, the card is applied to the payment receiving device 22. The fourth embodiment is characterized in that it is determined in step 402 whether the payment amount is equal to or less than the card storage limit.

If it is determined in step 402 that the payment amount is equal to or less than the storage limit, the process proceeds to step 403 to determine whether the payment amount is equal to or less than the balance in the card. If it is determined that the payment amount is equal to or less than the balance in the card, step 40
In 4, the payment accepting device 22 approves the transaction of the merchandise or the like without inquiring the account balance of the cardholder in real time online. Then, a process of reducing the balance in the card by an amount corresponding to the payment amount is performed. The payment accepting device 22 accumulates data of this card balance reduction processing. Therefore, the monetary value of the reduced amount has been transferred from the card to the payment receiving device. Step 4
At 07, the payment process is completed by passing the processing result (printout describing the transaction details, etc.) together with the card to the cardholder. Steps 403, 404, and 407 correspond to steps 101, 103, and 1 in FIG.
Same as 06.

When the payment amount exceeds the balance in the card in step 403, first, data including the payment amount and the balance in the card is transmitted online from the payment accepting device 22 to the account processing unit 26. In step 408, the accounting-related processing unit 26 determines whether or not the underpaid amount is equal to or less than the account balance based on the transmitted payment amount data. If the underpaid amount is less than the account balance, step 4
At 09, the underpayment amount is locked. Further, in step 410, the account balance is locked for the amount corresponding to “storage limit−payment shortfall”.

FIG. 11 shows these steps 409 and 41
It is a figure which shows an example of the process containing 0 typically. Payment amount P
Since the balance Q1 in the card is insufficient, the lock C1 for the underpaid amount and the lock D1 for the "storage limit amount-underpaid amount" are secured for the account balance A1. Here, the portion of the account balance lock D0 has been secured in the account balance A1 before the current transaction.

It should be noted here that when trying to lock the “storage limit-payment shortage” in step 410,
The part that is not account balance locked may be less than the “storage limit—the underpaid amount”. In that case, the account balance is locked for all the unlocked portions.
That is, D1 ≦ Qmax−C1 in FIG. Therefore, there is a possibility that an amount less than the "storage limit-payment shortfall" is locked. Therefore, in this specification, "locking" storage limit-underpayment ""
"Lock up to 'storage limit-underpayment'"
It means that the amount below "storage limit-underpaid amount" is locked.

Next, in step 414 of FIG.
Based on the processing result in the accounting processing unit 26, the monetary value issuing unit 28 newly issues a monetary value corresponding to the amount (“C1 + D1” in FIG. 11) locked in the account balance in steps 409 and 410, and online. And sends it to the payment receiving device 22. In step 405, the payment receiving device 22 fills the issued monetary value into the card. As shown in FIG. 11, the balance in the card at this point is:
“Q1 + C1 + D1”. Then, after filling in the monetary value, an off-line payment for reducing the payment amount P from the balance in the card is executed. As a result, as shown in FIG. 11, the balance in the card becomes Q2 (= D1). Step 4 in FIG.
At 07, the payment process ends.

Thereafter, the payment amount P is deducted from the account balance lock B1 in the account balance A1 after payment by the post-processing shown in FIG. 11, the account balance is changed from A1 to A2, and the account balance lock is changed from B1 to B2. fluctuate. When the settlement by the later processing is completed, the account balance lock portion in the account balance has been restored as compared with before the transaction.

In step 408, if the underpaid amount exceeds the account balance, steps 413 and 4
The processes of steps 15 and 416 are exactly the same as the processes of steps 110, 112 and 105 in FIG. In this case, since payment is not possible, the purchase of the product itself is rejected, but recovery processing of the balance in the card and the account balance lock portion is performed.

Next, in step 402 of FIG.
A case where the payment amount exceeds the storage limit will be described. In FIG. 10, first, data including the payment amount and the balance in the card is transmitted online from the payment accepting device 22 to the account processing unit 26. In step 441, the accounting processing unit 26 determines whether the payment amount is equal to or less than the account balance based on the transmitted data. If the payment amount is equal to or less than the account balance, in step 412, the amount corresponding to the payment amount is immediately debited from the account. In this process,
At this point, the payment is completed.

FIG. 12 schematically shows an example of the process including the step 412. The payment amount P is immediately deducted from the account balance A1. Here, the portion of the account balance lock D0 has been secured in the account balance A1 before the current transaction. As a result of immediate debit, account balance is A2
Becomes

Returning to FIG. 10, after that, the process proceeds to step 413, and locks "storage limit-balance in card" for the account balance in order to recover the balance in the card and the account balance lock portion ( D1 in FIG. 12). Step 41
The processing of steps 3, 415 and 406 is exactly the same as the processing of steps 110, 112 and 105 in FIG.

If it is determined in step 411 that the payment amount exceeds the account balance, the transaction is rejected because payment is impossible. Thereafter, the process proceeds to step 413, in which only the in-card balance recovery process and the account balance lock portion recovery process are performed. The processing of steps 413, 415 and 406 is as follows:
Step 110 of FIG. 3 in the first embodiment described above,
Since the processing is exactly the same as the processing of 112 and 105, the description is omitted.

In the fourth embodiment, all payments below the storage limit are made in monetary value, and the payments are always deducted after payment. On the other hand, the payment amount exceeding the storage limit is settled by immediate debit.

[0069]

As described above, in any of the embodiments, the debit processing system according to the present invention performs offline payment processing as long as the balance in the card is sufficient, thereby enabling real-time online account balance inquiry. Execution frequency can be significantly reduced. As a result, the cost required for real-time online inquiry for each transaction in the conventional system is greatly reduced. Since the communication time is omitted by not performing the real-time online inquiry, it contributes to speeding up the payment process. Also, labor saving can be achieved by eliminating the trouble of inputting an account number.

Further, in any of the embodiments, there is no need for the cardholder to consciously perform the recovery processing of the balance in the card. Of course, as long as the cardholder's account balance is sufficient, it is possible to perform a sales transaction, and if the balance in the card is reduced, it will be automatically recovered to a certain extent. Therefore, the cardholder of the present system does not need to pay attention to the balance in the card. For example, conventionally, there is a system in which electronic money is transferred from a deposit account to an IC card and used, but in such a system, a cardholder must always pay attention to whether or not the balance in the card is sufficient. In addition, the cardholder must refill the card with electronic money. Compared with such an electronic money system, the present system is much more convenient for the user.

Further, even if the sales transaction itself is rejected due to insufficient account balance, the processing of the balance in the card is automatically executed. In addition, the account balance lock part in the account balance will also be reduced by withdrawal after deposit,
The recovery process is also performed automatically.

In addition, even when the real-time online inquiry is not performed and the payment processing does not depend on the immediate debit, the underpayment lock portion is secured in the account balance, so that the risk of unpaid payment is ensured. Another advantage of the present system is that it can be avoided.

Also, even if the storage limit in the card is kept low, by automatically switching from offline processing to online processing, the card holder's account balance is checked and a large amount of money is checked. We can cope with shopping.

Further, in the embodiment in which the debiting time is later than the payment completion time, the cardholder gets the interest corresponding to the difference at that time, which is more advantageous than the debit method using only immediate settlement.

As described above, the present invention provides an extremely flexible electronic settlement service. This debit processing system can be a very effective system as a practical electronic payment system in a wide range of financial fields including the retail field.

[Brief description of the drawings]

FIG. 1 shows a schematic configuration of a debit processing system of the present invention.

FIG. 2 is a diagram schematically illustrating a main concept in a system configuration of the present invention.

FIG. 3 is a flowchart schematically showing a process according to a first embodiment of the debit processing system of the present invention.

FIG. 4 schematically shows an example of a process including step 103 in the flowchart of FIG.

FIG. 5 is a diagram schematically showing an example of a process including steps 108 and 109 in the flowchart of FIG. 3;

FIG. 6 is a flowchart schematically illustrating a process according to a second embodiment of the debit processing system of the present invention.

FIG. 7 is a diagram schematically illustrating an example of a process including steps 208 and 209 in the flowchart of FIG. 6;

FIG. 8 is a flowchart schematically illustrating a process according to a third embodiment of the debit processing system of the present invention.

FIG. 9 is a diagram schematically illustrating an example of a process including steps 308 and 309 in the flowchart of FIG. 8;

FIG. 10 is a flowchart schematically showing a process according to a fourth embodiment of the debit processing system of the present invention.

11 is a diagram schematically illustrating an example of a process including steps 409 and 410 in FIG.

FIG. 12 is a diagram schematically illustrating an example of a process including step 412 in the flowchart of FIG. 10;

FIG. 13 is a configuration diagram schematically showing a conventional debit processing system.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Debit processing system 12 Debit card 14 Card balance 22 Payment accepting device 24 Debit processing control part 26 Account processing part 28 Money value issuing part 32 Account balance 50 Online debit processing system 52 Debit card (conventional) 62 Payment Receiving device 64 Online debit processing control unit 66 Account processing unit A Account balance B Account balance lock C Payment shortage lock P Payment amount Q Card balance Qmax Storage limit

──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Akihiro Nakaya 1-6-6 Kanda Surugadai, Chiyoda-ku, Tokyo Inside JCB Co., Ltd. (72) Inventor Shinichi Sugiyama 1-1-1, Otemachi 1-chome, Chiyoda-ku, Tokyo 3 Inside the Wa Bank (72) Inventor Tadakazu Watanabe 1-1-1, Otemachi, Chiyoda-ku, Tokyo Inside the Sanwa Bank (72) Inventor Shinichiro Seki 1-1-1, Otemachi, Chiyoda-ku, Tokyo San 3-san Inside the Bank of Japan (72) Inventor Kenichi Takemura 1-1-6 Uchisaiwai-cho, Chiyoda-ku, Tokyo NTT Communications Corporation (72) Inventor Susumu Okuhira 1-1-6 Uchisaiwai-cho, Chiyoda-ku, Tokyo N・ TTI Communications Inc. (72) Inventor Masanori Shibayama Uchiyuki, Chiyoda-ku, Tokyo 1-1-6 NTT Communications Corporation (72) Inventor Tadashi Besetsu 1-6-1 Uchisaiwaicho, Chiyoda-ku, Tokyo NTT Communications Corporation (56) References JP-A-2001-143007 (JP, A) JP-A-9-245104 (JP, A) JP-A-6-282562 (JP, A) JP-A-11-16028 (JP, A) JP-A-5-266053 ( JP, A) JP-A-2-244394 (JP, A) JP-A-11-511876 (JP, A) International publication 99/33011 (WO, A1) Debit card overview 1999, Japan, Seamedia, January 1999 (58) Surveyed field (Int.Cl. ⁷ , DB name) G06F 17/60 412 G06F 17/60 404 G07F 7/08

Claims (8)

(57) [Claims] 1. A card capable of storing a monetary value of readable and writable electronic data as a balance in a card, a payment receiving device for reading and writing the balance in the card with respect to the card, and a payment receiving device An account processing unit that executes account balance lock and debit for the account balance of the cardholder based on the data transmitted from the data processing unit; issues a monetary value based on the processing result of the account processing unit and issues the payment A debit processing system comprising: a monetary value issuing unit to be transmitted to a receiving device; and a debit processing control unit that controls data flow and processing among the payment receiving device, the accounting processing unit, and the monetary value issuing unit. In the above, the payment receiving device determines whether or not the payment amount is equal to or less than the balance in the card, and the payment amount is equal to or less than the balance in the card. In some cases, the payment receiving device reduces the balance in the card by the payment amount, and transmits data corresponding to the reduction in the balance in the card to the monetary value issuing unit at a later time, and The account processing unit, in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit, withdraws the payment amount from the account balance of the card holder, Is greater than the balance in the card, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing unit performs payment based on the data of the payment amount. It is determined whether or not the shortfall is less than the account balance. If the shortfall is less than the account balance, the account processing unit locks the shortfall with the account balance and at the maximum in the card. The account balance is locked for the payment limit, the monetary value issuing unit issues a monetary value corresponding to the account balance locked amount and transmits the monetary value to the payment receiving device, and the payment receiving device transmits the monetary value. After filling the monetary value into the card, the balance in the card is reduced by the payment amount, and at a later time, the data of the reduction in the balance in the card is transmitted to the monetary value issuing unit. And the account processing unit deducts the payment amount from the account balance in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit. Debit processing system. 2. A card capable of storing a monetary value of readable and writable electronic data as a balance in the card, a payment receiving device for reading and writing the balance in the card with respect to the card, and the payment receiving device An account processing unit that executes account balance lock and debit for the account balance of the cardholder based on the data transmitted from the data processing unit; issues a monetary value based on the processing result of the account processing unit and issues the payment A debit processing system comprising: a monetary value issuing unit to be transmitted to a receiving device; and a debit processing control unit that controls data flow and processing among the payment receiving device, the accounting processing unit, and the monetary value issuing unit. In the above, the payment receiving device determines whether or not the payment amount is equal to or less than the balance in the card, and the payment amount is equal to or less than the balance in the card. In some cases, the payment receiving device reduces the balance in the card by the payment amount, and transmits data corresponding to the reduction in the balance in the card to the monetary value issuing unit at a later time, and The account processing unit, in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit, withdraws the payment amount from the account balance of the card holder, Is greater than the balance in the card, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing unit performs payment based on the data of the payment amount. It is determined whether the shortfall is less than or equal to the account balance.If the shortfall is less than or equal to the account balance, the account processing unit immediately deducts the shortfall from the account balance and sets a maximum. so The account storage limit is locked to the account balance, and the monetary value issuing unit issues the monetary value corresponding to the maximum storage limit locked by the account balance, transmits the monetary value to the payment receiving device, and transmits the payment. The receiving device, after reducing the entire balance in the card, fills the card with the transmitted monetary value, and at a later point in time, transmits the reduced data of the balance in the card to the monetary value issuing unit. And the accounting processing unit transmits the reduced amount from the account balance of the card holder in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit. A debit processing system characterized by withdrawal. 3. A card capable of storing a monetary value of readable / writable electronic data as a balance in the card, a payment receiving device for reading / writing the balance in the card from / to the card, and the payment receiving device An account processing unit that executes account balance lock and debit for the account balance of the cardholder based on the data transmitted from the data processing unit; issues a monetary value based on the processing result of the account processing unit and issues the payment A debit processing system comprising: a monetary value issuing unit to be transmitted to a receiving device; and a debit processing control unit that controls data flow and processing among the payment receiving device, the accounting processing unit, and the monetary value issuing unit. In the above, the payment accepting device determines whether the payment amount is equal to or less than the balance in the card, and the payment amount is equal to or less than the balance in the card. In some cases, the payment receiving device reduces the balance in the card by the payment amount, and transmits data corresponding to the reduction in the balance in the card to the monetary value issuing unit at a later time, and The account processing unit, in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit, withdraws the payment amount from the account balance of the card holder, Is greater than the balance in the card, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing unit performs payment based on the data of the payment amount. It is determined whether or not the shortfall is less than the account balance. If the shortfall is less than the account balance, the account processing unit locks the shortfall with the account balance and at the maximum in the card. The payment limit is locked to the account balance, and the monetary value issuing unit issues the monetary value of the account balance locked maximum amount stored in the card and transmits it to the payment receiving device, and receives the payment. The equipment is
After reducing the entire balance in the card, the transmitted monetary value is filled in the card, and at a later time, the reduced data of the balance in the card is transmitted to the monetary value issuing unit, In addition, the accounting-related processing unit is operable to deduct the payment amount from the account balance of the card holder in response to the data of the reduced amount in the card balance being transmitted to the monetary value issuing unit. A debit processing system. 4. The method according to claim 1, wherein the account processing unit determines whether the underpaid amount is equal to or less than the account balance based on the data of the paid amount, wherein the underpaid amount exceeds the account balance. The account processing unit locks the account balance at the maximum by subtracting the balance in the card from the storage limit in the card, and the monetary value issuing unit controls the monetary value of the locked amount of the account. And transmitting the payment value to the payment receiving device, and the payment receiving device fills the card with the transmitted monetary value.
A debit processing system according to any one of the above. 5. A card capable of storing a monetary value of readable and writable electronic data as a balance in the card, a payment receiving device for reading and writing the balance in the card with respect to the card, and a payment receiving device An account processing unit that executes account balance lock and debit for the account balance of the cardholder based on the data transmitted from the data processing unit; issues a monetary value based on the processing result of the account processing unit and issues the payment A debit processing system comprising: a monetary value issuing unit to be transmitted to a receiving device; and a debit processing control unit that controls data flow and processing among the payment receiving device, the accounting processing unit, and the monetary value issuing unit. In the above, the payment accepting device determines whether or not the payment amount is equal to or less than a preset storage limit in the card, and If the payment amount is equal to or less than the amount, it is determined whether the payment amount is equal to or less than the balance in the card. The payment receiving device reduces the balance in the card by the payment amount, transmits data of the reduction in the balance in the card to the monetary value issuing unit at a later point in time, and The processing unit, in response to the data of the reduced amount of the balance in the card being transmitted to the monetary value issuing unit, withdraws the payment amount from the account balance of the card holder, and the payment amount is When the amount is equal to or less than the set storage limit in the card and exceeds the balance in the card, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing. Department Based on the data of the payment amount, determine whether the underpaid amount is equal to or less than the account balance.If the underpaid amount is equal to or less than the account balance, the accounting system processing unit accounts for the underpaid amount. At the same time as the balance is locked, the maximum amount obtained by subtracting the underpaid amount from the storage limit in the card is account balance locked, and the monetary value issuing unit issues the monetary value corresponding to the account balance locked amount. And transmitting the payment value to the payment receiving device, the payment receiving device fills the card with the transmitted monetary value, and then reduces the balance in the card by the payment amount. Transmitting the reduced data of the balance in the card to the monetary value issuing unit, and
The debit processing, wherein the account processing unit debits the payment amount from the account balance in response to the data of the reduction amount of the balance in the card being transmitted to the monetary value issuing unit. system. 6. The step of determining whether the underpaid amount is equal to or less than the account balance based on the data of the amount of payment, wherein the account system processing unit determines whether the underpaid amount exceeds the account balance. The account processing unit locks the account balance at the maximum by subtracting the balance in the card from the storage limit in the card, and the monetary value issuing unit controls the monetary value of the locked amount of the account. The debit processing system according to claim 5, wherein the payment receiving device fills the card with the transmitted monetary value. 7. The step of determining whether the payment amount is equal to or less than a preset card storage limit, wherein the payment amount exceeds the preset card storage limit. In this case, the payment accepting device transmits the data of the payment amount and the balance in the card to the account processing unit, and the account processing unit determines whether the payment amount is equal to or less than the account balance. When the payment amount is equal to or less than the account balance, the accounting system processing unit immediately deducts the payment amount from the account balance, and deducts the card balance from the card storage limit at the maximum. The monetary value issuance unit locks the amount of the account, the monetary value issuance unit issues a monetary value corresponding to the locked amount of the account balance, and transmits the monetary value to the payment receiving device. The debit processing system according to claim 5, wherein a monetary value is filled in the card. 8. The account-based processing unit determines whether the payment amount is equal to or less than the account balance. If the payment amount exceeds the account balance, the account-based processing unit determines The account balance is locked by the amount obtained by subtracting the balance in the card from the storage limit in the card, and the monetary value issuance unit issues a monetary value corresponding to the locked amount of the account balance and the payment accepting device. The debit processing system according to claim 7, wherein the payment receiving device fills the card with the transmitted monetary value.