CN1156288A - Electronic fund loaning system - Google Patents
Electronic fund loaning system Download PDFInfo
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- CN1156288A CN1156288A CN 96111638 CN96111638A CN1156288A CN 1156288 A CN1156288 A CN 1156288A CN 96111638 CN96111638 CN 96111638 CN 96111638 A CN96111638 A CN 96111638A CN 1156288 A CN1156288 A CN 1156288A
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Abstract
The sum of the former loan of the user of an IC card is written to a personal information storage provided at a center and when the IC card is inserted into the slot of an electronic purse terminal at the time of the next transaction, the sum of the loan stored in the personal information storage is cleared and this loan is paid. At this time, the sum stored in the sum information storage of the IC card is updated by this payment and is stored as the balance in the sum information storage. If the balance is more than the charge for a transaction, the transaction is effected and if the balance is less than the charge for the transaction, the transaction is performed by having a new loan. The sum of this loan is stored in the personal information storage in the center. As described above, the suspension of a transaction due to the shortage of a balance can be avoided by providing a function for loan to an electronic purse system.
Description
The present invention relates to electronic fund loaning system, this system is used for storing the data of the floating debt amount of money so that this floating debt amount of money is paid off in transaction in next time at center and point of sales terminal when using the electronic fund system to carry out business transaction.
If use the prepaid card such as phonecard of present widespread to carry out business transaction, so, when the overall consumption amount of money reached the total charge of storing in the described card, said system just stopped business transaction.
During this period, electronic fund system described in a kind of as day unexamined patented claim No.H3-92966 of the present disclosure has been proposed, wherein, by being recorded in IC-card or the like, the information of the consumption amount of money concludes the business, but, in this electronic fund system, only in the amount of money scope that can from the electronic fund system, pay, conclude the business.Promptly, if be stored in the IC-card remaining sum less than the transaction the amount of money, just notify the user balance deficiency of electronic fund, and urge this user to make a decision: to be to stop this transaction, change to use the amount of money of IC-card payment, also be to use other method of commerce such as credit card so that carry out the elasticity purchase transaction.
As mentioned above, prepaid card is only as the mode of payment of specific service project, as a kind of its amount of money corresponding to the card of payment in advance.Therefore, hardly the situation that Sorry, your ticket has not enough value may appear.But, in above-mentioned electronic fund system, very likely the situation that Sorry, your ticket has not enough value appears owing to forget the cause paid in the independent electronic fund of individual during in payment, and owing to electronic fund being used for the situation that the insufficient in amount of paying appears in many occasions.Therefore, in the electronic fund system, can be at any time check remaining sum in the IC-card by portable remaining sum display or the like, still, Sorry, your ticket has not enough value if occur when transaction, and so, the transaction that utilizes electronic fund is impossible.
The purpose of this invention is to provide a kind of electronic fund system, wherein, even the user of this fund system forgets that account to the IC-card of controlling oneself pays in or even at the timesharing viability, can be owing to the deficiency of remaining sum is shut the book yet.Another object of the present invention is only to make by described electronic fund system the method for avoiding trading halt that need not become such as the dealing transaction (correspondence) of other method of commerce of cash and credit card up to now.
In order to achieve the above object, electronic fund loaning system according to the present invention comprises: the IC-card that is used for the store electrons monetary information that has I.D. (ID) number; Be used for from the IC-card sense information or information write the IC-card read/write device of IC-card; The input media that is used for input value; Have the electronic fund terminal that is used for sending or receiving the communication control unit of data via public phone network; Be used to store the personal information storage device of ID (identity number) card No. and total charge information; Be used for checking the device of checking of the ID (identity number) card No. that is stored in the personal information storage device and total charge information; Be used to store the database of data, for example, film; And have an information center that is used for the communication control unit that transmits and receive data via public phone network.
If when reading the data that are stored in the described data library device, be stored in the expense that total charge in the electronic money of IC-card is less than data, so, just when by checking when checking ID (identity number) card No. that device reads from IC-card and confirmed its ID (identity number) card No., just by the whole or a part of of the expense of described data are carried out processing about providing a loan as the total charge information stores in the personal information storage device, and described user provides a loan by the input media selection.
Therefore; Sorry, your ticket has not enough value if occur when using the payment of described electronic fund system; so; the terminal that can be immediately deposits center or point of sale in by individual information of the amount of money of loan having been listed in this people of catalogue as its ID (identity number) card No. processings of providing a loan, thus time-out of concluding the business or other method of commerce of transferring employing such as cash or credit card can be avoided.Here it is; so far; Sorry, your ticket has not enough value if occur when payment; so; just shut the book or adopt such as other method of commerce of cash and credit card and pay the bill; but; according to the present invention; can be only adopt the information of described loan total charge has been listed in catalogue as its ID (identity number) card No. this people's personal information storage to the center or point of sales terminal by described electronic fund system; and give described electronic fund system additional function about loan; and carry out the processing of described loan immediately; can avoid time-out of concluding the business or other ten thousand methods of concluding the business of transferring employing such as cash or credit card; and, can realize only using the perfect noncash business transaction of described electronic fund system by the user.
By below in conjunction with the detailed description that accompanying drawing carried out, the present invention will be clearer, in the accompanying drawing:
Fig. 1 is the calcspar of explanation according to the embodiment of electronic fund loaning system of the present invention.The object lesson of personal information storage device in the electronic fund loaning system shown in Fig. 2 presentation graphs 1.Fig. 3 is that flow chart and Fig. 4 of the object lesson of the basic operation in the electronic fund loaning system shown in the key diagram 1 also is the flow chart of another object lesson of basic operation in the electronic fund loaning system shown in the key diagram 1.Another object lesson of personal information storage device in the electronic fund loaning system shown in Fig. 5 presentation graphs 1.Fig. 6 is the flow chart of another object lesson of basic operation in the electronic fund loaning system shown in the key diagram 1.Fig. 7 is the calcspar of explanation according to second embodiment of electronic fund loaning system of the present invention.Fig. 8 is the flow chart of the object lesson of basic operation in the electronic fund loaning system shown in the key diagram 7.Fig. 9 is the calcspar of explanation according to electronic fund loaning system the 3rd embodiment of the present invention.The object lesson of personal information storage device in the electronic fund loaning system shown in Figure 10 presentation graphs 9.Figure 11 is that flow chart and Figure 12 of the object lesson of the basic operation in the electronic fund loaning system shown in the key diagram 9 is the flow chart of the operation when going up train and down scorching car in the flow chart shown in explanation Figure 11.Figure 13 is the calcspar of explanation according to another object lesson of IC-card in the electronic fund loaning system of the present invention.
Describe embodiments of the invention below with reference to the accompanying drawings in detail.
Fig. 1 is the calcspar of explanation according to first embodiment of electronic fund loaning system of the present invention, and on behalf of IC-card and label 2, label 1 represent the electronic fund terminal.Label 3 representative centers, label 4 is represented monitor, and 5 representatives are provided with top casket (setting top box), and 11 representative capacities card number memory and 12 is represented processor.Label 13 is represented connecting line, and 14 represent the total charge information-storing device, and 21 represent display, and on behalf of input block and 23,22 represent the card controller.24 represent the card read/write device, and 25 represent processor, and on behalf of communication control unit and 31,26 represent communication control unit.Label 32 is represented processor, and 33 represent the sales volume storer, and 34 represent personal information storage device and 35 representative data transducers.Label 36 is represented the film storage unit, and 37 represent news storage unit and 38 game representation storage unit.Label 51 representative data transducers, 52 representatives are provided with top casket input block, and on behalf of communication control unit and 54,53 represent processor.
The object lesson of the personal information storage device 34 shown in Fig. 2 presentation graphs 1.Label 60 representative capacities card number memory, date memory is borrowed in 61 representative loan storeies and 62 representatives.Object lesson shown in Fig. 2 (a) represents loan is given the situation of an identification card number, and the object lesson shown in Fig. 2 (b) represents loan is given the situation of a plurality of ID (identity number) card No..Latter event is for group, for example the situation of family.
Fig. 3 is the flow chart of object lesson of the basic process of this embodiment of explanation.
In this embodiment, via the use data of reading from described center such as the telecommunication line of public phone network such as film, news and recreation, and, utilize the electronic fund loaning system defrayment.
Structure shown in Fig. 1 and 3 and processing procedure with following operation as prerequisite: the holder of IC-card 1 should be by the expense of electronic money payment film, system among this embodiment is in the state of the input of waiting for IC-card 1, be inserted into the slit of electronic fund terminal 2 until IC-card 1, and the result that is used as among the step S102 about the information of this operation is presented on the display 21 of electronic fund terminal 2.
When described user inserts the slit of electronic fund terminal 2 to his/her IC-card, in step S103, the card controller of electronic fund terminal 2 inserts this IC-card, the connecting line 13 of IC-card 1 is connected to the card read/write device 24 of electronic fund terminal 2, and electronic fund terminal 2 confirms that IC-card 1 is inserted into.
After confirming that IC-card 1 is inserted into, whether the holder who at first checks IC-card 1 is the member who has catalogued at center 3.For this purpose, in step S104, card read/write device 24 in the electronic fund 2 is read the distinctive ID (identity number) card No. of this IC-card in the identification card number code memory 11 that is stored in IC-card 1, and, after processor 25 has been handled this number, via the communication control unit 26 of electronic fund terminal 2 and the communication unit 31 at center, this number is transported to the processor 32 at center 3.In step S105, the identification card number code memory 60 that is shown among Fig. 2 from the personal information storage device 34 at center 3 is read the ID (identity number) card No. that this has catalogued, and, in step 106, the ID (identity number) card No. and this ID (identity number) card No. of having listed catalogue in that are stored in the IC-card 1 are contrasted in detail, whether list in the catalogue at center 3 so that check the ID (identity number) card No. that is stored in the IC-card 1.When confirming that thus I.D. (ID) number that is stored in this IC-card is when having listed the member of catalogue in, just can the utilization of a loan function, but, if the id number that is stored in the described IC-card is not the member who has listed catalogue in, so, just can not the utilization of a loan function, only allow to use the normal transaction of electronic money, and processing procedure forwards step S114 to.
If the loan function at center 3 has been paid the expense with the last service item of the described member's who has listed catalogue in name, so, when this member did not pay off the expense of last service item, this member can not accept to serve next time.Therefore, in step S107, consult the content of the information of this member in the personal information storage device 34 at the center of being stored in 3, and, in step S108, check in last transaction, whether there is loan.As a result, if there is no provide a loan, so, processing procedure forwards step S114 to, so that take normal mode of payment.
If the last loan of alleged occurrence in step S108, so, in step S109, on the display 21 of electronic fund terminal 2, demonstrate the amount of money of described last resort, and, demonstrate the information of urging selection whether to pay off described loan, and the holder of IC-card 1 selects one by the input block 22 of electronic fund terminal 2 from two kinds of decisions.If select to pay off loan, so, in step S110, card read/write device 23 in the electronic fund terminal 2 is read the remaining sum in the total charge information-storing device 14 that is stored in IC-card 1, and, in step S111, processor 32 compares this remaining sum and the loan that is stored in the loan storer 61 that is shown in Fig. 2 in the personal information storage device 34 at center 3.
If remaining sum is greater than loan, so, in step S112, processor 32 deducts described loan from this from remaining sum, and, by card read/write device 24, new remaining sum is write the total charge information-storing device 14 of IC-card 1.In step S113, being shown in the loan storer 61 among Fig. 2 respectively and borrowing date memory 62 and reset the personal information storage device 34 at center.
Finished the process of paying off the loan in the last transaction by above-mentioned steps, and processing procedure forwards the process of service next time to.If do not pay off loan in step S109, perhaps Sorry, your ticket has not enough value described in step S111, so, in step S128, card controller 23 withdraws from IC-card 1 from electronic fund terminal 2, and service next time can not be accepted, and, finish described processing procedure at step S129.
If the holder at IC-card described in the step S106 is not the member who lists catalogue in, perhaps, though described holder lists the member of catalogue in but do not have loan in step S108, thereby when making processing procedure directly forward above-mentioned steps S113 to, the content that so, at first on monitor 4, shows the service item of all kinds that this system can provide.For example, film, news and recreation, and the user can select his needed service item on the input block 52 that top casket (Setting top box) 5 is set.For example, when selecting film, in step S114, demonstrate the title and the expense of various films, and in step S115, the user selects the title of his needed film on input block 52.
When selecting title, in step S116, card read/write device 24 is read the remaining sum in the total charge information-storing device 14 that is stored in IC-card 1, and the processor 32 at center 3 is made comparisons the expense of the film of described remaining sum and this selection.The result, if remaining sum more than or equal described expense, so, processor 32 deducts described expense from described remaining sum in step S117, in step S118 this expense is added to sales volume storer 33, card read/write device 24 is revised the remaining sum in the total charge signal storage 14 that is stored in IC-card 1 and is finished the course of payment of described expense in step S119.
Thus, the data of the film of selecting from show store 36 are read and conversion by data converter 35, are sent to the processor 32 at center 3, and knot is transferred to by communication control unit 31 top casket 5 is set.In being set, top casket 5 takes out described data by communication control unit 53, data converter 51 conversion film data in step S125, and, in step S126, on watch-dog 4, show described film.
If be less than described expense, so, in step S120, on the display 21 of this electronic fund terminal 2, show the described information that Sorry, your ticket has not enough value of expression in remaining sum described in the step S116.Whether the id number of checking the user of IC-card 1 in step 121 once more is put in the catalogue, and, the result, when confirming that the user is when listing the member of catalogue in, in step S122, show the information of urging this user whether to select him will provide a loan on the display 21, and urge this user in two kinds of decisions, to select one.
If the user selects to provide a loan this on electronic fund input block 22 in step S122, so, in step S123, described expense is added to the sale storer 33 at center 3, in step S124, in personal information storage device 34, respectively the total charge of described loan is deposited in the loan storer 61 that is shown in Fig. 2 and deposit in and be shown in the borrowing in the date memory 62 of Fig. 2 borrowing the date.In this case, full payment is handled as the total charge of loan.In step S125 and S126, finish course of payment in this way and begin to show desired film.
If user described in the step S121 is not the member who lists catalogue in, perhaps, though this user is the member who lists catalogue in, but he selects this project of not providing a loan in S122, so, this user can not appreciate film, and, in step 129, card controller 23 withdraws from his/her IC-card 1 from electronic fund terminal 2.
When wrapped film,, show that on monitor urging the user to select is the information that finishes this service or select another film at step S127.When the user is being provided with when selecting to appreciate another film on the input block 52 of top casket 5, processing procedure forwards such state to: in step S114, show the title and the expense of film on monitor 4, if user's defrayment, he just can appreciate another film.
When the user is being provided with on the top casket input block 52 when selecting to finish this service at step S127, in step S128, finish this service, and in step S129, card controller 23 withdraws from his/her IC-card from electronic fund terminal 2.
IC-card 1 can have borrows the total charge storer, so that contrasting from each IC-card data of borrowing total charge of reading and the data that are stored in the center 3 by card read/write device 24.The quantity that described full payment can be provided a loan and Sorry, your ticket has not enough value also can be provided a loan.Under latter event, the remaining sum that is stored in the total charge information-storing device 14 of IC-card 1 must be revised.
In the above-described embodiments, if assemble a group in the personal information storage device 34 of a plurality of id numbers of one family in being shown in Fig. 2 (b), and, be stored in center 3 as group information, so, this group member can pay off the loan that gives another member.Therefore, child's expense of appreciating film can once be paid in full by his/her parents.
In the above-described embodiments, electronic fund terminal 2 and top casket 5 is set separates still, can be set up described electronic fund system described the setting in the casket of top.
The processing procedure of determining the situation of item refunded in the present embodiment then will be described.
Fig. 4 is the flow chart that the basic process of paying the bill in the present embodiment is described, determined item refunded in this processing procedure, and this processing procedure has the loan function.
As shown in Fig. 1 to 4, when in step S202 and S203, inserting IC-card 1 in the slit that is in the electronic fund terminal 2 of waiting for the state of importing, if the holder of IC-card 1 uses the electronic money payment service fee, so, card controller 23 in the electronic fund terminal 2 just inserts IC-card 1, and, the connecting line 13 of IC-card 1 is connected to card read/write device 24.
In step S203, electronic fund terminal 2 confirms the input of IC-card 1, and, check at first whether the holder of IC-card 1 belongs to the member who lists catalogue at center 3.
Promptly, in step S204, read the distinctive id number of this IC-card in the id number storer 11 that is stored in IC-card 1 by means of card read/write device 24, and, in the processor 25 of electronic fund terminal 2, handle after this number, via the communication control unit 26 of electronic fund terminal 2 and the communication control unit 31 at center 3, this number is transported to the processor 32 at center 3.In step S205, the id number storer 61 that is shown in Fig. 2 from the personal information storage device 34 at center 3 is read the id number that it lists catalogue in, and, in step S206, by id number and the described id number of listing catalogue in read from IC-card 1 are contrasted in detail, check whether described id number lists catalogue in center 3.If this id number is listed catalogue in center 3, so, can the utilization of a loan function, still,, so, can not utilize the loan function if this id number is not the member who lists catalogue in, can only carry out common transaction, and processing procedure forwards step S214 to.
If when id number is an expense of utilizing the last service of loan function payment at center 3 when listing the member of catalogue in, so, this loan is paid off in requirement, but, in the present embodiment, if the date is at that time requiring to pay off within the date of loan, so, though do not pay off above-mentioned expense, still can give further loan.
In step S207, be shown in the content of borrowing date memory 62 among Fig. 2 in the personal information storage device 34 by the center of consulting 3, check this user transaction in the past, the result, in step S208, if do not give this user's loan, then processing procedure forwards step S214 to, so that carry out common transaction.
If this user is given the loan of last service in step S208, so, the total charge of loan before demonstrating on the display 21 of electronic fund terminal 2, and, in step S209, urge this user to select whether to pay off described loan.If be stored in remaining sum in the total charge information-storing device 14 of IC-card 1 more than described loan, so, can pay off this loan, still, if should Sorry, your ticket has not enough value or pay off operation as yet, so, this user can refuse to pay off.In this case, processing procedure forwards step S214 to.
Pay off if in step S209, select, so, in step S210, the card of electronic fund terminal 2 is read/is gone out device 24 and reads remaining sum in the total charge information-storing device 14 that is stored in this IC-card, and, in step S211, processor 32 is made comparisons this remaining sum and the loan total charge that is stored in the loan storer 61 that is shown in the personal information storage device 34 at center 3 among Fig. 2.If described remaining sum is more than described loan, so, in step S212, processor 32 deducts described loan from described remaining sum, the card read/write device 24 of electronic fund terminal 2 writes new remaining sum the total charge information-storing device 14 of IC-card 1, and, in step S213, loan total charge that is shown in the loan storer 61 among Fig. 2 in the personal information storage device 34 that is stored in center 3 respectively and the date of borrowing of borrowing date memory 62 that is shown among Fig. 2 are resetted.
Finished checking out of former transaction by above-mentioned steps, processing procedure forwards the process of current service to.If the transaction before not paying off in step S209, perhaps, Sorry, your ticket has not enough value in step S211, and so, new service is to provide not paying off under the situation of loan.
Then, in step S214, on monitor 4, demonstrate the content and the expense of service, and in step S215, the user selects his needed service on the input block 52 that top casket 5 is set.
When selecting service item as mentioned above, in step S216, card read/write device 24 is read the remaining sum of storing in the total charge information-storing device 14 of IC-card 1, and, this remaining sum is sent to the processor 32 at center 3, so that the expense of this remaining sum and described service item is compared.As a result, if described remaining sum more than described expense, so, in step S217, processor 32 deducts described expense from this remaining sum, and at step S218, processor 32 is added to sales volume storer 33 to described expense.
In step S219, the described remaining sum that the card read/write device 24 of electronic fund terminal 2 is revised in the total charge information-storing device 14 that is stored in IC-card 1.
Finished payment operation thus, in step S228, data have been transferred to top casket 5 is set, and, in step S229, begin service item.
If remaining sum is less than expense in step S216, so, in step S220, on the display 21 of electronic fund terminal 2, demonstrate described insufficient section.In step S221, consult id number once more, and, check whether it belongs to the member who lists catalogue in.As a result, if this id number is the member who lists catalogue in, so, in step S222, on the display 21 of electronic fund terminal 2, shows and urge this user to make a choice with regard to the problem whether he will provide a loan.
If in step S222, this user selects him to provide a loan on the input block 22 of electronic fund terminal 2, so, in step S223, read the date in the date memory 62 of borrowing that is shown in Fig. 2 in the personal information storage device 34 at the center of being stored in 3, in the last time whether loan is arranged so that check this user, and, if do not give this user's loan in the past, so, processing procedure forwards step S225 to, so that give this user's loan immediately.
If this user is given loan in step S223, and in step S224, the described date is within the term of redemption of being set by center 3, for example, every month 28 days, so, in step S225, the processor 32 at center 3 is added to described expense and sells storer 33, and, in step S226, revise the loan storer that is shown in the personal information storage device 34 among Fig. 2 61 respectively and be shown in and borrow date memory 62 among Fig. 2.
Finish with the loan payment by said process, processing procedure forwards step S228 to, and S228 begins service item in step.
In this case, full payment can be provided a loan, and perhaps, the part of described deficiency can be provided a loan.
If surpassed the time limit of repaying, so, in step S227, on the display 21 of electronic fund terminal 2, show and be used to notify this user to surpass the information of term of redemption, when this user lists in when selecting him not provide a loan on the member of catalogue or the input block 22 of this user in electronic fund terminal 2, this user can not accept service, and, in step S232, card controller 23 withdraws from IC-card 1 from electronic fund terminal 2.
When service finishes, in step S230, show that on monitor 4 urging the user to select is to finish the information that service also provides new service.If the user selects him to accept new service on the input block 52 that top casket 5 is set, so, processing procedure forwards following state to: in step S214, the content and the expense that on monitor 4, show various services, and after payment, this user can accept new service.
If the user is being provided with and is selecting to finish service on the input block 52 of top casket 5 in step S230, so, in step S23 1, service is finished, and in step S232, card controller S232 withdraws from IC-card 1 from electronic fund terminal 2.Thus, in step S233, finish one group of treatment step.
In the present embodiment, it is to pay the bill in the mode of monthly installment that regulation is repaid, and, in the time limit of repaying, can provide a loan many times for expense, but, can provide the term of redemption storer for the personal information storage device 34 at center 3, and, can stipulate: in the term of redemption that is set at the fate that begins from the date of providing a loan for the first time, can provide a loan many times for expense.
The processing procedure that then will describe in the present embodiment, on determining to provide a loan, prescribe a time limit.
In Fig. 5 presentation graphs 1, the object lesson of the personal information storage device 34 of the storage loan upper limit wherein, label 60 represent the id number storer, 71 representative loan upper limit storeies, 61 representative loan storeies and 62 are represented and are borrowed date memory.
Fig. 6 is the flow chart that the basic process of paying the bill in the present embodiment is described, this embodiment has the loan function of having stipulated the loan upper limit, and, the loan upper limit is stored in the loan upper limit storer 71 of the personal information storage device 34 that is shown among Fig. 5.
In this case, it still is the same being shown in the processing procedure shown in the step S201 to S213 among Fig. 4, thus, loan in the transaction was paid off in the past, and, demonstrate on monitor 4 in step S301 after the content and expense of various services, in step S302, the user selects his needed service item on the input block 52 that top casket 5 is set.
When option, in step S303, the card read/write device 24 of electronic fund terminal 2 is read the remaining sum in the total charge information-storing device 14 that is stored in IC-card 1, and, this remaining sum is sent to the processor 32 at center 3, so that described remaining sum is compared with described expense.As a result, if remaining sum more than expense, so, in step S304, processor 32 deducts described expense from described remaining sum, and in step S305, card read/write device 24 is revised the remaining sum in the total charge information-storing device 14 that is stored in IC-card 1.In step S306, processor 32 is added to described expense in the sales volume storer 33.
Finish payment operation thus, in step S315, selected service entry destination data is transferred to top casket 5 is set, and, in step S316, begin service.
If remaining sum is less than expense in step S303, so, in step S307, on the display 21 of electronic fund terminal 2, demonstrate the expression information that Sorry, your ticket has not enough value.In step S308, check once more whether described user belongs to the member who lists catalogue in, and, if confirming this this user is the member who lists catalogue in, so, in step S309, on the display 21 of electronic fund terminal 2, demonstrate and urge the user to select him to use the information that still need not provide a loan.
If this user selects him with providing a loan on the input block 22 of electronic fund terminal 2, so, in step S310, the described expense of described service is added on the present loan total charge in the loan storer 61 that is shown in Fig. 5 in the personal information storage device 34 at the center of being stored in 3.In step S311, the processor 32 at center 3 is made comparisons this new loan total charge and the loan upper limit that is stored in the loan upper limit storer 61 that is shown in Fig. 5 in the personal information storage device 34, and, as a result of, if described loan is less than the described upper limit, so, in step S312, processor 32 is added to sales volume storer 33 to the expense of described service.In step S313, revise the loan total charge in the loan storer 61 that is shown in Fig. 5 in the personal information storage device 34 that is stored in center 3.
Finish payment operation by said process, and, in step S315, begin service item.
If the user is not the member who lists catalogue in step S308, perhaps, though this user lists the member of catalogue in but this user selects him to provide a loan on input media 22 in step S309, so, he can not accept service, and in step S319, card controller 23 withdraws from his/her IC-card 1 from electronic fund terminal 2.
If user's loan surpasses the described upper limit in step S311, so, in step S314, in the display 21 of electronic fund terminal 2, show and show that his/her loan surpasses the information of the upper limit, and, in step S319, card controller 23 withdraws from his/her IC-card 1 from electronic fund terminal 2.
When service finished, in step S317, demonstrating on watch-dog 4 and urging user's selection was to finish the information that service also provides new service.When the user had been provided with the service of selecting on the input block 52 of top casket 5 to provide new, processing procedure forwarded following state to: in step S301, show the content and the expense of service on monitor 4, and when payment operation finished, the user can accept service.
If the user selects to finish service on the input block 52 that top casket 5 is set, so, in step S318, finish service, and in step S319, card controller 23 withdraws from his/her IC-card 1 from electronic fund terminal 2.Thus, in step S320, finish one group of treatment step.
In the present embodiment, by being provided for personal information storage device 34, the loan upper limit storer 71 that is shown among Fig. 5 can at random set the upper limit of loan, but under the situation that does not have this loan upper limit storer 71, the loan upper limit of the Any user at described center can be identical.
Except the upper limit of loan, can also in personal information storage device 34, be provided for storing the storer of term of redemption and loan number of times, so that regulate the total charge of loan.
In the present embodiment, use the loan payment full payment, still,, so, also can only use the insufficient section of the described remaining sum of loan payment if do not want to use the loan payment full payment.
More than described a kind of electronic fund loaning system, wherein,, still, also can consider via the situation that the top casket receives the content of recreation is set via the data such as film that the top casket receives described center are set.In this case, can perhaps, can collect the charges by each recreation collection of charges and irrelevant with the time by the regular time that recreation is provided at every turn.In preceding a kind of system, can when checking out, utilize the loan function as the situation of film.In a kind of system in back, automatically check out according to the regular time that recreation is provided at every turn, and just when storing in the IC-card that Sorry, your ticket has not enough value, play and just supspend and carry out the loan function.
As mentioned above, even the situation that Sorry, your ticket has not enough value in the IC-card occurs being stored in when the recreation of paying the bill according to the set time is provided, because the loan function, described recreation also can continue to get off.
The embodiment that the present invention is used for the situation of point of sale, supermarket or the like (POS) register terminal then will be described.
Fig. 7 is the calcspar of explanation according to second embodiment of electronic fund loaning system of the present invention, and wherein, the present invention is used for this point of sale (POS) terminal.Label 8 is represented the POS terminal, and 81 represent display, and 82 represent POS register keyboard input media, and on behalf of card controller and 84,83 represent the card read/write device.Label 85 is represented processor, and 86 represent communication control unit, and storeies are sold in 87 representatives, and 88 represent the personal information storage device, and the same among IC-card 1 and the embodiment shown in Fig. 1.
Fig. 8 is the flow chart of the object lesson of basic process among this embodiment of explanation.
When the holder of IC-card 1 in step S402 and S403 inserts IC-card 1 in the slit of the POS terminal 8 that is in the state of waiting for input, so that during with the electronic money payment service fee, confirmation IC-card 1 is inserted in step S403.
When confirming that IC-card 1 is inserted into, whether the holder who at first checks IC-card 1 belongs to the member who lists catalogue in of POS terminal 8.
Therefore, in step S404, the card read/write device 84 of POS terminal 8 is read the id number of this IC-card holder in the id number storer 11 that is stored in IC-card 1, and it is transported to the processor 85 of POS terminal 8.Then, in step S405, from the personal information storage device 88 of POS terminal 8 (in the present embodiment, it have be shown in Fig. 2 in the same structure of personal information storage device 34) in id number storer 60 read the id number of listing catalogue in, and, in step S406, by id number of reading from IC-card and the detailed contrast of this id number are checked whether this id number is put into catalogue POS terminal 8.
Thus, listed catalogue in if confirm this id number, so, can use described loan system payment, still, if this IC number is not put into catalogue, so, the holder of this IC-card can not use this loan system, can only use electronics to borrow the common transaction of coin, and processing procedure forwards step S414 to.
Just when the member who lists catalogue in utilized the last service of loan function payment of POS terminal 8, he just can not accept this service under the situation of not checking out.Therefore, in step S408, check described last transaction by following operation, that is, in step 407, consult in the loan storer 61 that is shown in the personal information storage device 88 that is stored in POS terminal 8 respectively among Fig. 2 and be shown in the content in the date memory 62 borrowed among Fig. 2.As a result, if this holder does not provide a loan, then processing procedure forwards step S414 to, so that carry out common payment.
If confirm that at step S408 this holder uses loan in the last time, so, the total charge that on the display 81 of POS terminal 8, shows loan at that time, show that on this display the holder who urges IC-card 1 selects the information of whether paying off loan, and, in step S409, he selects in above-mentioned two answers one on POS register keyboard input block 82.If this holder selects to check out, so, in step S410, the card read/write device 84 of POS terminal 8 is read the remaining sum in the total charge information-storing device 14 that is stored in IC-card 1, and, in step S411, processor 85 is made comparisons this remaining sum and the total charge that is stored in the loan in the loan storer 61 that is shown in Fig. 2 in the personal information storage device 34.
If described remaining sum is more than described loan total charge, so, in step S412, processor 85 deducts described loan total charge from this remaining sum, and card read/write device 84 writes new remaining sum the total charge information-storing device 14 of IC-card 1.In step S413, reset being shown in loan storer 61 among Fig. 2 and the date memory of borrowing that is shown among Fig. 2 in the personal information storage device 88 of POS terminal 8 respectively.
Finished the operation of the loan of paying off last transaction by said process, and, the process that begins described service.If do not pay off loan in step S409, perhaps, Sorry, your ticket has not enough value in step S411, so, this holder can not accept service, in step S426, card controller 83 withdraws from his/her IC-card 1 from POS terminal 8, and, in step S427, finish described processing procedure.
If holder described in the step S406 is not the member who lists catalogue in, perhaps, though this holder lists the member of catalogue in but he does not have loan when processing procedure proceeds to above-mentioned steps S413, so, at first, the content and the expense that in step S414, on the display 81 of POS terminal 8, show this service.In step S415, card read/write device 84 is read the remaining sum in the total charge information-storing device 14 that is stored in IC-card 1, and processor 85 is made comparisons the expense of this remaining sum and this service.The result, if remaining sum more than or equal expense, so, in step S416, processor 85 deducts described expense from described remaining sum, in step S417, the remaining sum that card read/write device 84 is revised in the total charge information-storing device 14 that is stored in IC-card 1 in step S424, shows to show the information of finishing payment operation on the display 81 of POS terminal 8, and, finish payment at step S425.
If in step S421, be stored in the expense that remaining sum in the IC-card 1 is less than this service, so, in step S419, on the display 81 of POS terminal 8, demonstrate the information that shows that Sorry, your ticket has not enough value.In step S420, check once more whether the id number of IC-card 1 catalogues.As a result, if this id number is catalogued, so, in step S421, on display 81, demonstrate and urge described holder whether to select him use the information of loan.
If on POS register input block 82, select with loan holder described in the step S421, so, in step S422, described expense is added in the POS terminal 8 sells on the storer 87, in step S423, the loan total charge is stored in the loan storer 61 that is shown in the personal information storage device 88 among Fig. 2, and, in personal information storage device 88, be shown in borrowing in the date memory 62 among Fig. 2 borrowing date storage.
Can be by the following method and the data of loan total charge had both been deposited in POS terminal 8 deposit IC-card 1 in, that is, in IC-card 1, be provided with and borrow the total charge storer, and, by card read/write device 84 described loan total charge is deposited in the IC-card 1.Can provide a loan for full payment, perhaps, also can be the insufficient section loan of remaining sum.
In step S424, on the display 81 of POS terminal 8, demonstrate and show the information of finishing payment operation by said process, and, in step S425, finish payment operation.Non-in step S420 listed the catalogue member in, perhaps, and the user who in step S421, on POS register input block 82, selects him to provide a loan, can not pay the expense of this service, and in step S426, card controller 83 withdraws from his/her IC-card 1 from POS terminal 8.In this case, require this user to stop at supermarket shopping or take in his/her IC-card account, to pay desired total charge after the method for payment again.
When the payment of described expense finished, in step S426, card controller 83 withdrawed from IC-card 1 from POS terminal 8.
The electric currency information of reading from IC-card 1 is transported to sale storer 87 the POS terminal, still, also can be via it being sent to bank or the like by control module 86.
At present embodiment, the loan upper limit and term of redemption can be set also.Can constitute present embodiment like this, make by the personal information storage device being provided for described center and can on any POS terminal of the chain stores of conventional store or refuelling station, provide a loan or pay off loan.In this case, can be transported to described center or bank to the personal information such as loan total charge and electric currency information by means of communication control unit 86.
Another embodiment of various details wherein, utilizes the present invention as the automatic ticket checking device that is used for the payment of train or motorbus fare.
Fig. 9 is the calcspar of explanation according to the 3rd embodiment of electronic fund loaning system of the present invention, wherein, utilizes the present invention as a kind of automatic ticket checking device.Label 1 is represented IC-card, and 9 represent the automatic ticket checking device of electronic fund, 10 representative centers, and on behalf of display and 92,91 represent the station yard storer.Label 93 is represented the card controller, and 94 represent the card read/write device, and 95 represent processor, and on behalf of communication control processor and 97,96 represent door controller.Label 101 is represented communication control unit, and 102 represent processor, and 103 represent sales volume volume storer, and on behalf of personal information storage device and 105,104 represent the fare data.
Figure 10 explanation is shown in the personal information storage device that the automatic ticket checking device among Fig. 9 is used, the personal information storage device that the described automatic ticket checking device of label 110 representatives is used, 111 represent the bus loading zone code memory, and with above-mentioned each accompanying drawing in corresponding each several part be marked with above-mentioned each accompanying drawing in identical label.
Figure 11 is the flow chart of the basic process of this embodiment of explanation.
When in the step S502 and S503 as shown in Fig. 9 and 11, the holder of IC-card 1 is waiting for IC-card 1 insert division in the slit that IC-card is used in the automatic ticket checking device 9 of electronic fund of state of input so that during with the electronic money payment fare, in step S503, card controller 93 is connected to card read/write device 94 to the connecting line of IC-card 1.
When inserting IC-card 1, at first read ID (identity number) card No. from IC-card, be by train or detrain so that check this user.
Promptly, read this IC-card 1 distinctive ID (identity number) card No. in the identification card number code memory 13 that is stored in IC-card 1 at card read/write device 94, and, after processor 95 these numbers of processing, in step S504, via communication control unit 96 and 101, this number is transported to the processor 1 02 at center 10.In step S505, if the words that have are just read the id number of the IC-card 1 that catalogues in I.D. (ID) number memory 60 that is shown in the personal information storage device 104 at center 10 among Figure 10, and, in step S506, the ID (identity number) card No. of reading from IC-card 1 and this ID (identity number) card No. are made comparisons.The result, if the id number of IC-card 1 excludes catalogue, so, the holder of this IC-card 1 is new passenger, and processing procedure forwards the range of driving preface block diagram of getting angry shown in Figure 12 (a) to, and, if the id number of this IC-card 1 is listed catalogue in, so, the holder of this IC-card 1 is the passenger who leaves, perhaps, the last passenger who once borrowed money.
In addition, listed in order to judge its ID (identity number) card No. that the user of catalogue detrains or he has borrowed money, in step S507, read the content in the loan storer 61 that is shown in the personal information storage device 104 at the center of being stored in 10 among Figure 10, and, in step S508, judge according to this content whether this user has borrowed money.If this user has borrowed money, just carry out processing, and except above-mentioned situation, if this user is the passenger who gets off, processing procedure just forwards being used to shown in Figure 12 (b) to and pays the flow chart of detraining of fare about checking out.
If this user has borrowed money, so, in step S509, card read/write device 94 is read remaining sum from the total charge information-storing device 14 of IC-card 1, and, via communication control processor 96 and 101 this remaining sum is transported to the processor 102 at center 10.
In step S510, described remaining sum and the loan total charge that is stored in the loan storer 61 that is shown in Figure 10 in the personal information storage device 104 are made comparisons, if described remaining sum more than or equal described loan, so, in step S511, from this remaining sum, deduct the total charge of described loan, card read/write device 94 writes new remaining sum the total charge information-storing device 14 of IC-card 1, in step S512, the personal information storage device 104 in the center 10 is resetted, and the operation of checking out.
If remaining sum is less than loan in step S510, so, in step S513, the door controller 97 of the automatic ticket checking device that the level fund is used is closed the door of import, and card controller 93 withdraws from IC-card 1 in step S514, and, in step S515, this user can not enter the place at station.
Figure 12 (a) is the flow chart that the object lesson of the basic process that goes up train among this 3rd embodiment is described, and Figure 12 (b) is the flow chart that the object lesson of the basic process of detraining is described.
Under the situation of last train, as shown in Figure 12 (a), in step S601, the id number of reading from the id number storer 11 of IC-card 1 is listed in the catalogue in the id number storer 60 that is shown in Figure 10 the personal information storage device 104 at center 10.Similarly, in step S602, its station yard in the station yard storer 92 of the automatic ticket checking device 9 that is stored in electron-donating group gold usefulness is write in the station yard storer 111 by bus that is shown among Figure 10.In step S603, door controller 97 is opened the door of import, and in step S604, card controller 93 withdraws from IC-card 1 from the automatic ticket checking device 9 of electronic fund, and, in step S605, finish processing procedure about entering.But, at this moment, will not pay the bill.
Under the situation of detraining, as shown in Figure 12 (b), in step S606, read the content in the station yard storer 111 by bus that is shown in Figure 10 in the personal information storage device 104 at the center of being stored in 10, and, similarly, in step S607, station yard storer 92 is read its station yard of getting off from the automatic ticket checking device 9 of electronic fund.In step S608,10 fare data are read corresponding to its expense of section by bus from the center of being stored in, and, in step S609, on the display 91 of the automatic mark ticket device 9 of electronic fund, demonstrate described expense.
In step S610, data of being read from the total charge information-storing device 14 of IC-card 1 by card read/write device 94 and above-mentioned expense are made comparisons.As a result, if remaining sum more than expense, so, processing procedure forwards the processing about common payment to, and if remaining sum is less than expense, then processing procedure forward to about the loan processing.
In processing about common payment, in step S611, from described remaining sum, deduct expense, in step S612, this expense is added to sales volume storer 103 in the center 10, and in step S613, new remaining sum is write total charge information-storing device 14.Finish payment operation thus, in step S618, door controller 97 is opened door, and in step S619, card controller 93 withdraws from the automatic mark ticket person 9 of IC-card 1 from electronic fund, and finishes this processing procedure in step S620.
If Sorry, your ticket has not enough value in step S610, so, automatically provide a loan.That is, in step S614, on the self-verifying person's of electronic fund display 91, show to show the information that Sorry, your ticket has not enough value, and, in step S615, this expense is added to and sells storer 103.In this case, be the full payment loan.In step S616, the id number of IC-card 1 is write the id number storer 60 that is shown in Figure 10 in the personal information storage device 104 at center 10, the loan total charge is write the loan storer 61 that is shown among Figure 10, and write the date memory of borrowing that is shown among Figure 10 borrowing the date.Finish the processing of payment thus, in step S617, door is opened, then, in step S618, withdraw from IC-card 1 and in step S619, finish this processing procedure.
So far, described the situation of once providing a loan, still, in the present embodiment, can repeatedly provide a loan by the upper limit of setting loan and the number of times of term of redemption or loan in personal information storage device 104.The loan of full payment can be carried out, perhaps, the loan of insufficient section can be carried out.In addition, can be in the exchanges data between the automatic ticket collector 9 who carries out IC-card 1 and electronic fund under the situation that does not have connection.
Figure 13 represents that an electric currency information of loan total charge deposits the object lesson in the above-mentioned IC-card 1 in.Label 15 is represented the credit information storer.In this case, the personal information such as the loan total charge is deposited in the IC-card, can guarantee maintaining secrecy of electric currency information.
Claims (18)
1. electronic fund loaning system, it comprises:
Have the IC-card that is used for the store electrons monetary information of ID (identity number) card No.,
The electronic fund terminal, it comprises: be used for reading information that is stored in described IC-card or the IC-card read/write device that information is write described IC-card, first communication control unit that is used for the input media of input value or the like and is used for transmitting or receiving data via public phone network, and
Information centre; It comprises: for the personal information storage device of ID card No. and the total amount information of storing described IC-card; Be used for the ID card No. of described IC-card and be stored in the total amount information of described IC-card and be stored in its ID card No. and the checking device checked of total amount information in the described personal information storage device; Be used for storage such as film data data library device and be used for transmitting and the second communication control device of receive data via the communication line such as public phone network
It is characterized in that:
When the data that are stored in the described data library device are read by described information center, described electronic fund terminal utilizes the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information of the expense that is equivalent to described data, and, described electric currency information is sent to described information center via described first and second communication control units.
2. according to the electronic fund loaning system of claim 1, it is characterized in that:
If when the data that are stored in the described data library device are read by described information center, be stored in electric currency information in the described IC-card and be less than the expense of described data, so, by checking its ID (identity number) card No. of reading and confirm described ID (identity number) card No. from described IC-card by the described device of checking, and
Just when the user selects to utilize the loan of described input media, ability all or part of expense of described data as the total charge information stores in described personal information storage device.
3. according to the electronic fund loaning system of claim 1, it is characterized in that:
If when described information center during from described data library device sense data, the information of described total charge has been stored in the described personal information storage device, so, described electronic fund terminal utilizes the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information that is equivalent to described total charge information
Then, the data from be stored in described IC-card deduct the electric currency information of the expense that is equivalent to described data, and
Via described first and second communication control units this electric currency information is sent to described information center.
4. electronic fund loaning system, it comprises:
Have the IC-card that is used for the store electrons monetary information of ID (identity number) card No.,
The electronic fund terminal, it comprises: be used for reading information that is stored in described IC-card or the IC-card read/write device that information is write described IC-card, be used for the input media of input value or the like and be used for via first communication control unit that transmits or receive data such as the communication line of public phone network, and
Information center, it comprises: be used to store ID (identity number) card No., the total charge information of described IC-card and the personal information storage device of borrowing date and time information, be used for be stored in described personal information storage device it ID (identity number) card No., total charge information and borrow the device of checking that date and time information checks, be used to store such as the data library device of the data of film and the second communication control device that is used for transmitting and receiving data via public phone network
It is characterized in that:
When the data that are stored in the described data library device were read by described information center, described electronic fund terminal utilized the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information of the expense that is equivalent to described data, and
Described electronic fund terminal is sent to described information center to described electric currency information via described first and second communication control units.
5. according to the electronic fund loaning system of claim 4, it is characterized in that:
If when the data that are stored in the described data library device are read by described information center, be stored in electric currency information in the described IC-card and be less than the expense of described data, so, by checking its ID (identity number) card No. of reading and confirm described ID (identity number) card No. from described IC-card by the described device of checking, and
Just when the user selects to utilize the loan of described input media, ability all or part of expense of described data as the total charge information stores in described personal information storage device.
6. according to the electronic fund loaning system of claim 4, it is characterized in that:
If when described information center during from described data library device sense data, the information of described total charge has been stored in the described personal information storage device, so, describedly check the device inspection and be stored in and borrow date and time information whether within term of redemption in the described personal information storage device
If borrow the date within the described time limit, so, the whole or a part of of the expense of described data are deposited in the described personal information storage device as total charge information,
In the meantime, if the described time limit of borrowing the date above described repayment, so, described electronic fund terminal utilizes the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information that is equivalent to described total charge information,
Then, the data of described electronic fund terminal from be stored in described IC-card deduct the electric currency information of the expense that is equivalent to described data, and
Described electronic fund terminal is sent to described information center to this electric currency information via described first and second communication control units.
7. electronic fund loaning system, it comprises:
Have the IC-card that is used for the store electrons monetary information of ID (identity number) card No.,
The electronic fund terminal, it comprises: be used for reading information that is stored in described IC-card or the IC-card read/write device that information is write described IC-card, be used for the input media of input value or the like and be used for via first communication control unit that transmits or receive data such as the communication line of public phone network, and
Information center, it comprises: the personal information storage device that is used to store ID (identity number) card No., total charge information and the loan upper-limit information of described IC-card, be used for be stored in described personal information storage device it ID (identity number) card No., total charge information and the loan upper-limit information check check device, be used to store such as the data library device of the data of film and the second communication control device that is used for transmitting and receiving data via public phone network
It is characterized in that:
When the data that are stored in the described data library device were read by described information center, described electronic fund terminal utilized the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information of the expense that is equivalent to described data, and
Described electronic fund terminal is sent to described information center to described electric currency information via described first and second communication control units.
8. according to the electronic fund loaning system of claim 7, it is characterized in that:
If when the data that are stored in the described data library device are read by described information center, be stored in electric currency information in the described IC-card and be less than the expense of described data, so, by checking its ID (identity number) card No. of reading and confirm described ID (identity number) card No. from described IC-card by the described device of checking, and
Just when the user selects to utilize the loan of described input media, ability all or part of expense of described data as the total charge information stores in described personal information storage device.
9. according to the electronic fund loaning system of claim 7, it is characterized in that:
If when described information center during from described data library device sense data, the information of described total charge has been stored in the described personal information storage device, so, describedly check the device inspection and be stored in total charge information in the described personal information storage device whether within the loan upper limit
If total charge information within the described upper limit, so, deposits the whole or a part of of the expense of described data in the described personal information storage device in as total charge information,
In the meantime, if described total charge information surpasses the time limit of the described upper limit, so, described electronic fund terminal utilizes the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information that is equivalent to described total charge information,
Then, the data of described electronic fund terminal from be stored in described IC-card deduct the electric currency information of the expense that is equivalent to described data, and
Described electronic fund terminal is sent to described information center to this electric currency information via described first and second Control on Communication.
10. electronic fund loaning system, it comprises:
Have the IC-card that is used for the store electrons monetary information of ID (identity number) card No.,
The electronic fund terminal, it comprises: be used for reading information that is stored in described IC-card or the IC-card read/write device that information is write described IC-card, the input media that is used for input value or the like, be used to store the personal information storage device of the ID (identity number) card No. and the described total charge information of described IC-card, and be used for and be stored in the device of checking that the ID (identity number) card No. of described personal information storage device and total charge information checks
It is characterized in that:
When carrying out business transaction when payment, described terminal utilizes the data of described IC read/write device from be stored in described IC-card to deduct to be equivalent to the electric currency information of the total charge that described business transaction deals with.
11. the electronic fund loaning system according to claim 10 is characterized in that:
If the electric currency information that is stored in the described IC-card is less than the described total charge of dealing with, so, by checking its ID (identity number) card No. of reading and confirm described ID (identity number) card No. from described IC-card by the described device of checking, and
Just when the user selects to utilize the loan of described input media, ability all or part of expense of the described total charge of dealing with as the total charge information stores in described personal information storage device.
12. the electronic fund loaning system according to claim 10 is characterized in that:
If the information of described total charge has been stored in the described personal information storage device, so, described terminal utilizes the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information that is equivalent to described total charge information, and
Then, the data of described terminal from be stored in described IC-card deduct the electric currency information of the expense that is equivalent to described data.
13. an electronic fund loaning system, it comprises:
Have the IC-card that is used for the store electrons monetary information of ID (identity number) card No.,
Ticket-checking machine, it has: is used for reading the information that is stored in described IC-card or information is write the IC-card read/write device of described IC-card, and first communication control unit that is used for transmitting or receiving via public phone network data, and
Information center, it has: the personal information storage device that is used to store the ID (identity number) card No. and the total charge information of described IC-card, be used for and be stored in the device of checking that the described ID (identity number) card No. of described personal information storage device and total charge information checks, and the second communication control device that is used for transmitting and receiving data via public phone network
It is characterized in that:
If carry out the payment of described fare by described ticket-checking machine, so, described ticket-checking machine utilizes the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information that is equivalent to fare, and
Described ticket-checking machine is sent to described information center to described electric currency information via described first and second communication control units.
14. the electronic fund loaning system according to claim 13 is characterized in that:
If the electric currency information that is stored in the described IC-card is less than described fare, so, by checking its ID (identity number) card No. of reading from described IC-card by the described device of checking, and
Just when described ID (identity number) card No. is proved, ability all or part of expense of described fare as the total charge information stores in described personal information storage device.
15. the electronic fund loaning system according to claim 13 is characterized in that:
If when described information center during from described data library device sense data, the information of described total charge has been stored in the described personal information storage device, so, described ticket-checking machine utilizes the data of described IC-card read/write device from be stored in described IC-card to deduct the electric currency information that is equivalent to described total charge information
Then, the data from be stored in described IC-card deduct the electric currency information that is equivalent to described fare, and
Described ticket-checking machine is sent to described information center to this electric currency information via described first and second communication control units.
16. an electronic fund loaning system, it comprises:
IC-card, it comprises: is used for the total charge information-storing device of store electrons monetary information, is used to store the credit information storer of the electric currency information that is equivalent to the loan total charge and the identification card number code memory that is used to store ID (identity number) card No., and
A kind of terminal, it comprises: be used for reading information that is stored in described IC-card or the IC-card read/write device that information is write described IC-card, the input media that is used for input value or the like, be used for storing described IC-card ID (identity number) card No. the personal information storage device and be used for checking device to what the ID (identity number) card No. of described IC-card and the ID (identity number) card No. that is stored in described personal information storage device were checked
It is characterized in that:
When the payment of carrying out business transaction, described terminal utilizes the data of described IC-card read/write device from the total charge information-storing device that is stored in described IC-card to deduct to be equivalent to the electric currency information of the total charge that this business transaction deals with.
17. the electronic fund loaning system according to claim 16 is characterized in that:
If the electric currency information that is stored in the described IC-card is less than the described total charge of dealing with, so, described terminal utilizes the described device of checking to check its ID (identity number) card No. of reading from described IC-card so that check described ID (identity number) card No., and
Just when the user selects to utilize the loan of described input media, just whole or a part of total charges as loan of the described total charge of dealing with are stored in the described credit information storer.
18. the electronic fund loaning system according to claim 16 is characterized in that:
If the total charge of described loan has been stored in the described credit information storer, so, described terminal utilizes the data of described IC-card read/write device from the described total charge storer that is stored in described IC-card to deduct the electric currency information that is equivalent to described loan total charge, and
Then, the data from be stored in described total charge storer deduct the electric currency information that is equivalent to the described expense of dealing with.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 96111638 CN1156288A (en) | 1995-08-02 | 1996-08-02 | Electronic fund loaning system |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP197573/95 | 1995-08-02 | ||
| CN 96111638 CN1156288A (en) | 1995-08-02 | 1996-08-02 | Electronic fund loaning system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1156288A true CN1156288A (en) | 1997-08-06 |
Family
ID=5121211
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 96111638 Pending CN1156288A (en) | 1995-08-02 | 1996-08-02 | Electronic fund loaning system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1156288A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103345647A (en) * | 2013-05-09 | 2013-10-09 | 马钢控制技术有限责任公司 | Back-up and access method of data at RFID electronic tag |
-
1996
- 1996-08-02 CN CN 96111638 patent/CN1156288A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103345647A (en) * | 2013-05-09 | 2013-10-09 | 马钢控制技术有限责任公司 | Back-up and access method of data at RFID electronic tag |
| CN103345647B (en) * | 2013-05-09 | 2017-08-22 | 马钢控制技术有限责任公司 | A kind of backup access method of data in RFID |
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