JPS6132177A - Electronic settlement system - Google Patents

Abstract

PURPOSE:To attain 24hr operation of an electronic decision system by applying tentative settlement processing while taking a predetermined designation amount as a limit even at off-line. CONSTITUTION:A customer's ordinary deposition account file consists of a normal area 131 and a special area 132 and the special area 132 is accessed either by on-line or off-line. In addition to a data required for normal on-line transaction on an IC bank card 26 used by the user, a monetary amount of te special area 132 transferred from the normal deposition account file is stored into an area M5 as a designated monetary amount and a residual of the designated monetary amount is stored in an area M7. Since the normal deposition account file is accessed even at off-line at night when the normal bank job finished, the customer can utilize the bank over 24hr.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Technical Field The present invention allows the payment and settlement of shopping charges at a retail store to be carried out from the customer's bank account to the retailer's bank deposit (bl) Prior art and its disadvantages Bank POS systems You can shop by reply,
In addition, because payments are made instantly, it reduces the need for customers and retailers to carry and handle cash, making it highly secure.For banks, only necessary cash is withdrawn, and excess cash is not withdrawn. Another advantage is that you can earn deposits by opening an account. However, currently, banks' online hours are 8:45 a.m. to 6 p.m. on weekdays and 8:45 a.m. to 2 p.m. on Saturdays, which has the disadvantage that they cannot accommodate Saturdays and Sundays, the busiest shopping days at retail stores.

(e1 Purpose of the Invention This invention was made to compensate for the above-mentioned shortcomings of the current system. It provides an electronic payment system that allows customers, retailers, and banks to conduct transactions without any risk even when the bank is offline. This is what we provide.

FD1 Structure of the Invention In summary, this invention includes a special area in the memory of the customer's savings account file of the bank's center PU, which stores an amount specified by the customer in the savings account amount, and a special area that stores the amount specified by the customer in the savings account amount. It is allocated as a normal area to store the amount, and when online, this normal area is accessed to process transactions, and when online, the amount in the special area is set and updated as a specified amount, and the amount is transferred to a bank card, etc. a means for accessing and transacting the designated amount stored in the storage medium during offline transactions; an external storage device for storing the transaction amount during offline transactions; and an external storage device for transferring online transactions. It is equipped with means for the center CPU to absorb transaction data stored in the device and process the transfer, and when offline, transactions can be made on the retail store terminal side with the specified amount stored in the storage medium as the transfer limit. At the same time, the transaction data is transferred to the bank's central CPU at the time of online transition, and transfer processing is performed at that point.

(e) Embodiment FIG. 1 shows an example of an electronic payment system which is an embodiment of the present invention. 1 is a block diagram of a bank POs system. The bank side 1 includes an online accounting system 12 having an account file 13 and an online accounting system 12.
FEP (FRONT END
PROCESSOR) 11.

The retail store side 2 consists of a balance inquiry booth 3 and a cash register booth 4 installed within the retail store. A balance inquiry terminal 21 is installed in the balance inquiry booth 3, and is equipped with a hand scanner 21a for reading an IC card 26 or a magnetic card 27. The theft booth 4 includes a PoS terminal 23 to which a floppy disk 25, which is an external storage device, is connected, and a bin pad 24 having a hole for receiving an IC card 26 is connected to the PO8 terminal 23. The bin pad 24 is used to input a password and the like to the PO3 terminal 23.

FIG. 2 shows the structure of a customer's savings account file. As shown, the customer's savings account file is composed of a normal area 131 and a special area 132. The normal area 131 can be accessed only when online. That is, when a normal transaction is performed while online, this normal area 131 is accessed and the transaction is performed based on the amount stored in this area. Further, the special area 132 stores an amount that is the transfer limit when offline, and the customer can set and update this amount by using the balance inquiry terminal 21. Furthermore, normal area 131
The amount stored in the special area 132 and the amount stored in the special area 132 can also be transferred to each other by operating the balance inquiry terminal 21. In this embodiment, even if the transaction is online, if there is a special instruction, the special area 1 will be displayed.
32 and make transactions based on the amount stored in this area.

FIG. 3 shows data stored in the IC memory built into the IC card 26 and the magnetic stripe of the magnetic card 27. Areas M1 to M4 each store a personal identification number, bank number, branch number, and account number, and area M6 stores the expiration date of the card. These numbers and expiration dates are the same as the data stored on general cards. In this embodiment, apart from the data necessary for these card transactions, the amount in the special area 132 transferred from the ordinary savings account file is stored as a specified amount in area M5, and the balance of the specified amount is stored in area M7. I try to remember it. Transfer of the designated amount to area M5 is performed by the customer's operation on the balance inquiry terminal 21 while online. When the designated amount is transferred to area M5, the same amount as the designated amount is simultaneously stored in area M7 as the designated amount balance. After that, if a transaction is attempted while offline as described below,
This area M7 is accessed and a transaction is executed based on the designated amount balance stored at that time. That is, if the payment amount is less than or equal to the designated amount balance at the time of the transaction, the transaction is effectively completed and the balance is updated.

Further, the transaction amount during offline transactions is stored in the floppy disk 25, which is an external storage device, each time the transaction is performed. At the time of online migration, the transaction data stored on the floppy disk 25 is sucked up by the center CPU of the online accounting system 12,
At the same time, necessary transfer processing is performed at that time.

When shopping, the customer uses the balance inquiry terminal 21 to access the normal area 131 and special area 13 while online.
2, and while offline, the designated amount balance of area M7 stored in the card can be known. This allows you to check your current balance before making a purchase.

Next, the operation of the POS system will be explained with reference to the flowcharts shown in FIGS. 4 to 6.

FIG. 4 is a flowchart showing the operation of the POS system during transactions.

First, in step nl (hereinafter step ni will simply be referred to as n-1) and n2, it is determined whether offline processing is currently in progress or online start time. PO8 terminal 23 on n3 if offline or online
Transaction details are input from the input key. Further, the customer's payment method is determined at that point, and if the debit key indicating account transfer is operated, the process proceeds from n4 to n5. At n5, the IC card 26 is inserted into the pin pad 24, and at n6, the password is input from the pin pad 24. Next, in n7, the password is verified, and if they match, the process proceeds to n8, where it is determined whether the user is currently online or offline. If online, it is determined in n9 whether the area to be accessed in the customer's savings account file is the normal area 131 or the special area 132. If no special command is issued, it is assumed that the normal area 131 is to be accessed and the process proceeds to nlO. If there is a specification, proceed to nil.

In nlo, it is checked whether the payment amount is within the amount stored in the normal area 131. If not, the process proceeds to n12, where a message indicating that the transaction is not possible is displayed, and a message indicating that another payment method (cash or credit) is required is displayed.

If the payment amount is less than the balance stored in the ordinary area 131, the account file is updated by subtracting the payment amount from the ordinary area balance in n13), and is provided separately from the account file. The transaction data file is also updated (n14), and the recorded contents (balance) of the IC card are updated in n15. Further, at nlB, the transaction data using the IC card 26 is printed out using a printer (not shown), and the designated amount balance stored in the area M7 of the card is also printed out. Finally, the IC card 26 inserted into the pin band 24 is released and the process is finished by waiting for the IC card to be taken out.

On the other hand, if n8 is offline, n8→n
Proceed with ll. nll checks whether the payment amount is less than or equal to the designated amount balance stored in area M7 of the IC card. If the balance is within the designated amount, the process proceeds to n12, and if the balance is within the specified amount, the process proceeds to n14. Thereafter, steps n15 to n17 explained above are executed and the process ends. Also, when the special area 132 is designated as the area to be accessed in n9, the steps n1l-n14 are executed.

If a transaction is performed offline once or more, the next time the transaction goes online, the process proceeds from n2 to n20. Then, the bank side CPU sucks up the transaction data from the floppy disk 25 connected to the POS terminal 23, transfers the amount from the customer's savings account to the retailer's savings account, and updates the account file in n21. . Also n22. n2
In step 3, interest is calculated and periodic interest is incorporated, and the process ends.

As a result of the above operations, unless there is a special instruction, online transactions are performed in the process of n'8 → n9 → nlO → n13-1.-, so the specified amount in the special area 132 specified by the customer will not be debited. It never happens. This guarantees that the card can be used offline up to the amount stored in the special area 132.

FIG. 5 is a flowchart 1- showing the procedure for inquiring the balance of a deposit account file from the balance inquiry terminal 21.

When the balance inquiry key is operated in n30, an instruction to insert the IC card is displayed in n31, and after the IC card F'26 is inserted (n31), and the PIN is input from the pin pad, the PIN is entered in n33. Perform a verification check. If the verification of the password is OK, it is determined at n34 whether the user is currently online or offline. If online, the balance of the deposit account and the balance of the designated amount stored in area M7 of the card are displayed and printed out at n35. When the user is offline, n36 displays the designated amount balance in area M7 and prints it out. Further, the process waits for the IC card to be removed at n37 and ends.

Figure 6 shows the special area 13 of the customer's deposit account file.
2 is a flowchart showing a procedure for setting or updating an amount in step 2.

At n'40, the designated amount change key of the balance inquiry terminal 21 is operated, and at n41, the IC card is inserted,
Further, when a password is input from the pin pad at n42, the password is verified at n43. If the verification result is OK, the new designated amount is entered manually at n44, and it is determined whether the new designated amount is within the account balance at the input stage. If the account balance is within the account balance, special area 13 will be displayed in n46.
2, the input new specified amount is set, and the specified amount is further set in area M5 and area M7 of the IC card. Further, if the new specified amount is not within the account balance at n45, the process advances to n47, where a message indicating that the specified amount cannot be changed is displayed.

By the above operation 1 procedure, when online, unless there is a special instruction, you can access the normal area 131 and conduct a transaction based on the amount stored in that area, and when offline, you can access the area M7 of the card. Transactions can be made based on the designated amount balance stored in area M7. Furthermore, when transitioning from offline to online, 1. The center CPU can absorb the transaction data that has been posted, automatically perform transfer processing, and make electronic payments. In addition, in this embodiment, the special area 132 can be accessed by giving a special instruction even when online, so if the amount in the normal area 131 decreases during online transactions, the special area 132 can be accessed by giving a special instruction. The amount stored in area 132 can also be subject to payment.

(Effects of the f1 invention As described above, according to this invention, even when offline, temporary payment processing can be performed up to the specified amount specified in advance by the customer, so the electronic payment system can be operated 24 hours a day. There is also the advantage that the special area cannot be accessed when normally online, so the cart can be used offline.

[Brief explanation of drawings]

FIG. 1 is a block diagram of a bank POS system which is an embodiment of the present invention. FIG. 2 is a diagram showing the structure of a savings account file, and FIG. 3 is a diagram showing data stored in an IC cart and a magnetic card. Moreover, FIGS. 4 to 6 are flowcharts showing one operation procedure of the above-mentioned POS system. 1-Bank side, 2-Retail store side, 131-Ordinary area, 132
-Special areas.

Claims (2)

[Claims] (1) A bank's central CPU and a retail store terminal are connected online, and when a customer pays for a purchase, the retail store terminal processes a transfer from the customer's bank account to the retailer's bank account. In an electronic payment system that pays and settles shopping prices by performing a transaction, the customer's bank account file consists of a normal area that is accessed only when online, and a special area that stores the amount that is the payment limit when offline. and a means for setting and updating the amount in the special area as a specified amount when online and transferring the amount to a storage medium such as a bank card, and a means for accessing the specified amount stored in the storage medium during offline transactions. an external storage device for storing the transaction amount during offline transactions; and a means for a center CPU to absorb and process the transaction data stored in the external storage device when moving online. An electronic payment system. (2) The electronic payment system according to claim 1, wherein the external storage medium is an IC card having a built-in rewritable IC memory.