JPH09147043A - Transaction settlement method by electronic money - Google Patents

Abstract

PROBLEM TO BE SOLVED: To transfer money from the account of a provider to the account of each member shop for every bank by using a system even in the case that a user and the member shop don't have accounts in the same bank and recognizing plural banks on the provider side. SOLUTION: The bank account of a provider 10 for issue and adjustment of electronic money is opened in the bank where the member shop or the user has the bank account, and provider terminals 101 and 102 and member shop terminals 201 and 202 are connected to bank host computers 301 to 30n and a provider host computer 11. When the user purchases electronic money from the provider 10, the price for electronic money is transferred from the bank account of the user to that of the provider 10 by the bank POS system, and issued electronic money data is stored in a storage medium inserted to provider terminals 101 and 102, and the user pays the price for commodities in electronic money of the storage medium, and at the time of adjustment, the corresponding price for electronic money is transferred from the bank account of the provider 10 to that of the member shop by the bank pos system to perform the adjustment.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention In the present invention, a customer pays when a customer purchases a product at a member store of a provider (management company) with electronic money stored in a storage medium, and the member store is sales. The present invention relates to a transaction settlement method using electronic money that can settle electronic money data.

[0002]

2. Description of the Related Art As a technology related to a transaction settlement method using electronic money (prepaid card), for example, Japanese Patent Laid-Open No. Hei 3
There is one described in Japanese Patent No. 266095. This is because when an individual user inserts an IC card into a terminal device, inputs a prepaid amount, and correctly inputs a personal identification number, the prepaid amount information, account information and the like are transmitted from the terminal device to the host computer of the bank. Then, the host computer of the bank transfers the amount corresponding to the prepaid amount from the personal account to the account of the management company, and the host computer of the bank instructs the terminal device to write the data for the prepaid amount into the IC card. Then, the terminal device writes the data, and the value of the money is used as the written IC card. When a user purchases a product at a store where a dedicated terminal is installed, if the user inserts the written IC card into the dedicated terminal and inputs the personal identification number, the prepaid amount is read from the written IC card and The amount (balance) of the IC card is updated with the amount obtained by subtracting the product price from. The dedicated terminal is always connected to the host computer of the management company at the time of use, and sales data is accumulated and accumulated by the host computer of the management company. Then, the period total of the sales amount is periodically transmitted from the host computer of the management company to the host computer of the bank, and the amount is transferred from the account of the management company to the account of the store.

[0003]

By the way, in the information processing system using the prepaid card described above, the sales data is totaled by the management company, but it can be performed only by one line. In other words, it is impossible to aggregate sales data in other banks. The above information processing system cannot be used unless the three accounts of the user's account, the management company's account, and the store's account are in the same bank. Therefore, for example, a user having an account in Bank A has an account in Bank B. It is not possible to use a prepaid card at a member store, and a user who has an account at Bank A can use the prepaid card only at a member store that has an account at Bank A. In order to enable the above information processing system to be used even if the user and the member store have accounts in different banks, it is sufficient for the member store and the management company to have accounts in many banks. The feasibility of having an account with is poor. Also, bank P
In the case of payment by OS, a terminal dedicated to each bank may be installed in a member store, but it is impossible in reality and the feasibility is poor.

The present invention has been made under the circumstances as described above, and the object of the present invention is that the user and the member store of the provider can freely use it even if they do not have an account in the same bank. For multiple banks, it is possible to transfer money from the provider's account to each member's account for each bank, and each member store does not need to have a dedicated terminal for each bank. The existing bank POS (Point) that can easily be cashless has been made possible by providing only one terminal of
The purpose of the present invention is to provide a transaction settlement method using electronic money that can be applied to a to-of-sales system.

[0005]

The present invention relates to a transaction settlement method by electronic money using a bank POS system for instant settlement of purchase price of goods, and the above object of the present invention is to issue and settle the electronic money. The provider's bank account is opened in multiple banks, including the member store or the bank where the user's bank account is, and the provider terminal and member store terminal are connected to the bank host computer and provider host computer, respectively. , When a user purchases electronic money from the provider, the payment for the electronic money is transferred from the user's bank account to the provider's bank account by the bank POS system at the provider terminal and at the same time for the provider. Issued electronic data in the storage medium of the user inserted in the terminal Data is stored, and when the user pays for the product purchased at the member store, the terminal for the member store pays the electronic money of the storage medium, and the payment electronic money data is stored in the terminal for the member store. Making a settlement request to the provider host computer at the time of settlement of the stored electronic money data, obtaining account information and a personal identification code of the provider through a line from the provider host computer, and the electronic money for which settlement is requested to the member store This is achieved by erasing from the terminal for payment and transferring the payment for the requested electronic money from the bank account of the provider to the bank account of the member store by the terminal for member store by the bank POS system.

[0006]

BEST MODE FOR CARRYING OUT THE INVENTION A user purchases electronic money from a provider (management company) using a storage medium (for example, an IC card), and payment of the money is made from a terminal for a provider to a bank POS system (currently widely used. I will transfer the purchased electronic money from the user's bank account to the provider's bank account using a cash card, bank card, or other magnetic card deposit / withdrawal processing system.
Charge the C card. Then, when the user purchases a product at a member store, the product price is paid by the electronic money charged in the IC card. When the member store receives the price of the sold product as electronic money and stores it in the terminal of the member store, and when the electronic money stored in the terminal is settled,
Request payment from the terminal of the member store to the provider, receive the account information of the provider through the line, delete the electronic money requested for payment from the terminal of the member store, and use the bank POS system on the member store side to provide the provider. Transfer the settlement amount from your bank account to the bank account of the member store. According to the present invention, since the provider has an account at the bank where the member store or the user has an account, the member store only needs to install one member terminal for the member store, and the member store and the user are different banks. Even if you have an account, you can freely use the cashless system. Also,
Since the transaction is made with electronic money, the member stores can settle each transaction collectively, and at the time of settlement, it is sufficient to connect to the host computer of the bank and settle the transaction with the bank POS system, so the cost required for communication, transfer of funds, etc. It is cheaper and has the effect of saving labor. Furthermore, because the member store (transferee) obtains the security information of the provider (transferee) through the line at the time of payment of the electronic money data accumulated by the member store, the member store (transferee) operates the payment. , The effect of reducing the work burden on the provider (transfer originator), and the advantage that it can be immediately applied to the existing bank POS system.

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a schematic diagram for briefly explaining the outline of the present invention. Two banks (A, B), two member stores (a, b) and two users (# 1, #). It shows the entire transaction of the cashless system consisting of 2) and the provider 10. FIG. 2 shows an example of a network connection for transactions in the present invention, which includes a plurality of provider terminals 101, 102, ... And a plurality of member store terminals 201 ,.
, 202 are connected to the provider host computer 11 via the public line network 1, and are further connected to the bank host computers 301, ..., 30n of each bank via the transaction relay center (CAFIS) 2.

In FIG. 1, the flow st11 indicated by PR1.
Steps to st13 are for charging the IC card owned by the user # 1 with electronic money. User # 1 uses the bank POS system to pay for the purchase of electronic money.
Transfer from the account of user # 1 in Bank A to the account of Provider 10 in Bank A to make payment
The electronic card issued by will be charged to the IC card inserted in the provider terminal for the payment amount. This is the same for user # 2 as well, and the charge amount of the desired amount of electronic money is charged from the account of user # 2 at bank B to the account of provider 10 at bank B using the bank POS system. Electronic money to be transferred, paid and issued
Charge the C card.

In FIG. 3 showing the state of charging,
For example, Bank A is a provider terminal 1
The bank POS terminal is set to the terminal ID assigned to 0, and is installed in a location approved by the provider 10 (for example, in the bank A). Its assigned terminal I
In D, the account of the provider 10 of Bank A is associated with the transfer destination. In other words, as a function of the bank POS terminal, a cash card (bank card, etc.) issued by Bank A is inserted into a terminal having the terminal ID of Bank A, the account number etc. is read from the cash card, and the account is transferred to the transfer source. The transfer is made to the transfer destination account indicated by the terminal ID. Then, the function in which the electronic money issuing function is added to the function of the bank POS terminal is the provider terminal 1
2. For example, the user # 1 inserts the IC card 3 into the provider terminal 12, charges the electronic money, and then hands the IC card 3 to the user # 1.

Next, the flow st21, s indicated by PR2 in FIG.
At t22, the member store a provides the service to the user # 1 (sales of products, etc.), and the price is the IC owned by the user # 1.
It is received from the electronic money charged in the card 3. As shown in FIG. 4A, when the user # 1 inserts the IC card 3 into the terminal 20 for the member store a installed in the member store a and purchases the product 4, the service fee is paid from the IC card 3. The subtracted amount of electronic money is stored, and the subtracted electronic money data is stored in the terminal 20 for the member store a. The member store a provides the service to not only the user # 1 but also the user # 2 in the same manner as the user # 1 and receives and stores the price with electronic money (flow st23, st24). Also, the member store b
Also, the service can be similarly provided to the users # 1 and # 2, and the service price is received as electronic money and accumulated in the terminal. That is, the member store a having an account in the bank A can carry out cashless transactions with the user # 2 who has an account other than the bank A, and the member store b having an account in the bank B It indicates that cashless transactions can be conducted with the user # 1 who has an account other than the bank. Therefore, when the member store receives the price of the product, it only exchanges information between the user's IC card 3 and the member store terminal, so that the bank host computer and the member store terminal need not be connected each time. Is also good.

The terminal 20 for the member store a in FIG. 4A is, for example, a bank POS terminal set to the terminal ID assigned by the bank A to the member store a, and is installed in the member store a. The assigned terminal ID is associated with the transfer destination of the account of the member store a of Bank A. That is, the bank PO
As a function of S terminal, the terminal with the terminal ID of Bank A is
Using the account of the provider 20 in Bank A as the transfer source, the transfer is made to the transfer destination account indicated by the terminal ID. The account information of the provider 10 in Bank A is not obtained from a cash card, but as one of the electronic money settlement functions,
It is adapted to be obtained from the provider host computer 11 through a communication line. FIG. 4B shows that the terminal for the member store may be an automatic vending machine (for example, a cigarette vending machine) 21, and the user # 1 buys the cigarette 5 as a product.

Flows st31 to st3 indicated by PR3 in FIG.
3 shows a flow in which the member store a pays the electronic money accumulated in the terminal 20 for the member store a. Member store a is member store a
A request for payment of the electronic money accumulated in the terminal 20 for the store is made to the provider 20 (flow st31), but this operation is performed by the manager 6 of the store as shown in FIG.
It is executed by performing a settlement operation for.
By such settlement operation, the bank account information of the provider 20 is received by the settlement permission (flow st32) from the provider 10, the electronic money requested for settlement is erased from the terminal 20 for the member store a, and the amount of the settlement amount is calculated on the side of the member store a. Using the bank POS system, the payment is transferred from the account of the provider 10 in the bank A to the account of the member store a in the bank A and settled. In other words, the member store a also stores electronic money data of users who have accounts other than bank A, and the payment can be transferred to the account of the member store a at the time of payment. The same applies to the member store b, which is the provider 1
0 payment request to 0, and the payment price on the side of member store b, using the bank POS system Provider 1 at Bank B 1
Transfer from the account of 0 to the account of the member store b in Bank B and make the payment. As described above, since the provider 10 has an account in each bank, low-cost and risk-free cashless transactions can be performed by the bank POS system. A terminal for a member store is a bank POS terminal with an electronic money totalizing and accumulating function and a settlement function added.

Next, the flow PR1 to PR3 of FIG.
This will be described in detail with reference to the flowchart of FIG. First, the charging procedure of the flow PR1 will be described with reference to FIG. 6. The IC card 3 owned by the user # 1 stores electronic money information, and the access right for electronic money information is normally locked. It can be accessed by entering the authenticator such as a number. Further, for example, a bank code, a branch code, an account number, etc. are recorded in the magnetic information area of the cash card owned by the user # 1.

A provider terminal 12 having a terminal ID assigned to the provider 10 by the bank A is installed in the bank A, and the user # 1 goes to the bank A which issued the cash card, and the cash card is used by the provider terminal 20.
(Step S1), and the personal identification number and the amount of electronic money desired to be purchased are input from a keyboard (not shown) connected to the provider terminal 12. The provider terminal 12 reads out the bank code, branch code, account number, etc. from the cash card, and the bank code, branch code,
Account number, PIN, purchase amount, provider terminal I
A sales request message consisting of D is created, and the message is transmitted to the bank A host computer via the transaction relay center 2 according to the procedure of the bank POS system (step S
2). When the bank A host computer approves the sale, it notifies the provider terminal 12 of the sale permission via the transaction relay center 2 and the purchase amount from the user # 1 account in the same bank A to the provider 10 account. Transfer the minutes (step S3).

Upon receiving the transferred sales permission, the provider terminal 12 returns the cash card (step S
4) Next, the IC card 3 for charging the electronic money is inserted into the provider terminal 12 (step S5), the personal identification number is input from the keyboard, and the access right to the electronic money information is unlocked. And the terminal 1 for the provider
2 transmits a charge request signal for the purchase amount to the provider host computer 11 via the public line network 1 (step S6), and in response to this, the provider host computer 11 returns a line disconnection instruction to the provider terminal 12. (Step S7). The provider terminal 20 disconnects the line in response to the line disconnection instruction, and has a terminal authentication request transmitted from the provider host computer 11 after a predetermined time has elapsed.

When the provider terminal 12 receives a terminal authentication request from the provider host computer 11 (step S10), it creates a message according to a predetermined algorithm, and the message is sent to the provider host computer 11 as a terminal authentication response. It is transmitted (step S11). When the provider host computer 11 receives the terminal authentication response and determines that the authentication result of the provider terminal 12 is correct, the provider host computer 11 returns the purchase amount of electronic money information and a unique authenticator for preventing fraud of the electronic money information as a pair. Then, the provider terminal 12 stores the purchased electronic money information and the unique authenticator as a set in the IC card 3 (step S13), locks the access right to the electronic money amount information, and The card 3 is returned (step S14).

Next, the PR2 selling procedure will be described with reference to FIG. This is a procedure for paying the product price by electronic money when the user # 1 having the IC card 3 charged with electronic money goes to the member store b contracting with the provider 20 and purchases the product. Press the sales button of a keyboard (not shown) connected to the shop b terminal 20, insert the user's IC card 3 into the shop 20 terminal 20 installed in the shop b (step S20), and from the keyboard. An authenticator such as a product price and a personal identification number is input (step S21). If the personal identification number is correct, the access right for the electronic money amount information in the IC card 3 is unlocked, and the member store b terminal 20 reads the electronic money information and the unique authenticator from the IC card 3, subtracts the product price, and subtracts it. Then, the subtraction value is updated to new electronic money information and stored (step S23), the access right for electronic money is locked, and the IC card 3 is returned (step S24). At this time, the electronic money information and the unique authenticator for the product price are stored as a set in the terminal 20 for the member store B.

Next, the PR3 settlement procedure will be described with reference to FIG. The member store b presses a settlement button on a keyboard (not shown) connected to the terminal 20 for the member store b in order to settle the daily sales, and the electronic money information and the stored electronic money information which is a unique authenticator, for the member store b The terminal ID is sent to the provider host computer 11 from the member shop b terminal 20 with the settlement request message sent (step S3).
0). In response to this settlement request, the provider host computer 11 returns a line disconnection instruction to the member store b terminal 20 (step S31), and the member store b terminal 20 disconnects the line in response to the line disconnection instruction and disconnects the provider host computer. Wait for the terminal authentication request from 11.

When the terminal authentication request is transferred from the provider host computer 11 and the member shop b terminal 20 receives the terminal authentication request (step S32), the member shop b terminal 20 sends a message according to a predetermined algorithm. Create and send the message as a terminal authentication response to the provider host computer 11 (step S
33). When the provider host computer 11 receives the terminal authentication response and determines that the authentication result of the terminal 20 for the member store b is correct, the account information of the provider 10 of the same bank B as the account of the member store b, that is, the bank code, the branch code, The security information such as the account number and the personal identification code, and the total settlement amount are put on the settlement permission message and the terminal 20 for the member store b
(Step S34).

The terminal 20 for the member store b receives the settlement permission message and erases the settled electronic money information.
Create a sales request message consisting of 0 bank code, branch code, account number, personal identification number, settlement total amount, terminal ID for member store b, and send the sales request message through the transaction relay center 2 according to the procedure of the bank POS system. And sends it to the bank host computer (step S35). If the bank host computer accepts that the sales request message is correct,
The sales permission is notified to the provider terminal 12 via the transaction relay center 2, and the settlement amount is transferred from the account of the provider 10 in the same bank to the account of the member store b to complete the settlement (step S36). .

In the above-described embodiment, it is explained that the goods are sold at the member store and the payment is made at the member store terminal installed.
The member store and the terminal for the member store may be a vending machine,
Electronic money, which is the sales price of merchandise, may be stored in the vending machine, and the electronic money may be settled in the same manner as the bank POS terminal. Further, the electronic money storing the data may be collected from an automatic vending machine to an IC card, and may be settled at a settlement bank POS terminal. Furthermore, the bank code, branch code, and account number stored in the magnetic card such as the existing cash card may be stored in the IC card. In this case, the electronic money can be charged with only one IC card. become.

Further, in the above embodiment, the electronic money can be charged at the provider terminal of the bank that issued the magnetic card such as a cash card, but the provider terminal has a different provider terminal ID for each bank.
May be stored, the bank code or the like is read from the inserted cash card, the terminal ID for the provider corresponding to the bank code is selected in the terminal, and the sales may be requested.

[0023]

According to the present invention, a provider for issuing and paying electronic money has a bank account in each of a plurality of banks, pays the purchase price of the electronic money of the user, and collects the electronic money accumulated by the member store. Since the settlement is carried out using the bank POS system, it can be used even if the user and the member store do not have an account in the same bank, eliminating the labor required for the transfer and reducing the cost of the transfer. Has the effect of Also, the transferee can obtain the security information of the transferee through the line at the time of payment of the electronic money accumulated by the member store, and the transferee can perform the settlement operation to reduce the work load of the transferee. Moreover, there is an effect that it can be applied to the existing bank POS system as it is.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a state of the entire transaction of the present invention.

FIG. 2 is a block diagram showing a network connection example of a transaction of the present invention.

FIG. 3 is a diagram showing a state of a charging operation according to the present invention.

FIG. 4 is a diagram showing a purchasing situation according to the present invention.

FIG. 5 is a diagram showing a state of settlement according to the present invention.

FIG. 6 is a flowchart showing an example of a charging procedure of the present invention.

FIG. 7 is a flowchart showing an example of a sales procedure according to the present invention.

FIG. 8 is a flowchart showing an example of a settlement procedure according to the present invention.

[Explanation of symbols]

 1 Public line network 2 Transaction relay center 3 IC card 4 Product 5 Cigarette 6 Sales manager 10 Provider (management company) 11 Provider host computer 12 Provider's terminal 20 Member store (a, b) terminal 21 Vending machine

Claims (1)

[Claims] 1. A bank PO for instant payment of product purchase price
This is a transaction settlement method using electronic money using the S system, and a bank account of a provider that issues and settles the electronic money is opened in a plurality of banks including a member store or a bank in which the user's bank account is located. A terminal for a provider and a terminal for a member store are connected to a bank host computer and a provider host computer, respectively, and when a user purchases electronic money from the provider, the provider terminal pays the electronic money for the bank POS. At the same time as the transfer from the user's bank account to the provider's bank account by the system, the issued electronic money data is stored in the user's storage medium inserted in the provider's terminal, and the user stores at the member store. When paying for the price of the purchased product, the above-mentioned information shall be displayed on the terminal for the member store. Paying with electronic money of a medium, accumulating payment electronic money data in the terminal for the member store, making a settlement request to the provider host computer at the time of settlement of the stored electronic money data, and from the provider host computer through a line The provider's account information and personal identification code are obtained, and the electronic money requested for settlement is deleted from the terminal for the member store, and the electronic money price required for the settlement is transferred to the terminal for member store by the bank POS system by the bank account of the provider. From the member store to the bank account of the member store for settlement of accounts by electronic money.