JP2000003399A - Value recording medium and processor for the medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To permit an electronic money value and a prepaid value to coexist, to improve the convenience of a user and to extend the distribution of electronic money by transferring the prepaid value of a second medium in which the prepaid value is recorded to a first medium in which the electronic money value is recorded. SOLUTION: A prepaid card 14 and an electronic money card 15 are inserted into the insertion ports 16 and 17 of a card processor 13. Internal IC card reader and magnetic card reader read card data of corresponding cards. Type ID is recognized from card data of the prepaid card 14, which is read, and it is displayed on a display unit 11 or moved type ID is designated by an input unit 12. It is recognized whether designated type ID is previously moved to the prepaid value area of card data in the electronic money card, which is read. When it is judged that it does not move, designated type ID is recorded and amount information corresponding to type ID is recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money card in which electronic money having a monetary value, such as cash, is recorded on an IC card, and more specifically, the electronic money card is recorded on a prepaid card. The present invention relates to a value recording medium capable of transferring an electronic money value and a prepaid value by transferring a prepaid value (prepaid value) having a prepaid monetary value, and a medium processing apparatus thereof.

[0002]

2. Description of the Related Art Conventionally, there is a prepaid card in which a prepaid value having a monetary value is magnetically recorded on a magnetic card by paying a fee in advance, but in the case of this card, the balance of the prepaid value is reduced by use of the card. If you cannot pay for goods with your balance, you need to prepare a new prepaid card or reload the monetary value to the card, and as a result, the prepaid card over the balance is left unused In many cases, the convenience of users is reduced.

In the case of an electronic money card, generally,
Since C cards are used and prepaid cards generally use magnetic cards, the handling methods are different, electronic money cards and prepaid cards cannot coexist, and users using both cards are required to use prepaid cards. In such a case, the payment cannot be made using an electronic money card, in which the payment cannot be made only by the divided payment method, and there is an inconvenience of making a single payment with two cards, thus impairing the original convenience of the card.

[0004]

SUMMARY OF THE INVENTION The present invention solves the above-mentioned problems, achieves the coexistence of the value of electronic money and the prepaid value (value of advance payment), and improves the convenience of the user. It is an object of the present invention to provide a value recording medium capable of increasing the distribution of electronic money and a medium processing device for the value recording medium.

According to a first aspect of the present invention, there is provided a first medium in which a value of electronic money is recorded.
The value recording medium is characterized in that the value of the advance payment of the second medium on which the value of the advance payment is recorded is transferred so that both values can be used in combination.

According to a second aspect of the present invention, when the value of the advance payment of the second medium is transferred to the first medium in addition to the structure of the first aspect, the transferred advance payment is performed. It is a value recording medium in which identification information for identifying the value of the value is recorded in accordance with the prepaid value.

According to a third aspect of the present invention, there is provided a medium processing apparatus for receiving a value recording medium according to the first aspect and executing value transfer.

According to a fourth aspect of the present invention, in the medium processing apparatus according to the third aspect, when executing the value transfer processing, it is determined whether or not the same type of value transfer has already been performed. The medium processing apparatus is provided with a judging means, and is provided with a control means for adding and recording the same kind of value when the judging means judges the transfer of the same kind of value.

According to a fifth aspect of the present invention, in the medium processing apparatus according to the third aspect, when executing the value transfer processing, a determination means for determining identification information is provided, and the determination means is provided. When the same type of identification information is determined, the medium processing device is provided with a control unit that performs a recording process by adding up the recorded values corresponding to the same type of identification information.

[0009]

According to the value recording medium of the present invention, the value of electronic money can be used in combination with the value of advance payment. Therefore, when payment cannot be made with the value of advance payment, this shortage is deducted from the value of electronic money. Can be settled, such settlement is 1
Since the processing can be performed with one medium, the convenience for the user is improved.

Further, since the value of the second medium in which the value of the advance payment is recorded is transferred like a prepaid card, the balance of the value of the advance payment of the second medium is small, and the settlement is made by the second medium alone. If it becomes impossible, the entire balance can be used for settlement by transferring the value without performing a conventional new card issuance or value reloading process, thereby improving the convenience of the user.

Further, when the value of the advance payment is transferred, if the identification information is recorded in association with the value of the advance payment, a plurality of types of advance payment values can be recorded on one medium, and all balances are settled by each type of settlement. The electronic money can be used for settlement, the convenience of the user can be further improved, and the distribution of electronic money can be expanded when used together.

According to the medium processing apparatus of the present invention, it is possible to provide a value recording medium having the above-mentioned effects, and to process a plurality of the same kind of second medium storing a prepaid value. However, since the values are added up and recorded, the recording area is not wasted and can be minimized without wasting, and the processing at the time of settlement by using the medium is simplified.

Further, by transferring the value of the second medium storing the prepaid value with identification information, the value can be transferred from a plurality of second media of different types. The value recording medium can be used effectively.

[0014]

An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows an electronic money replenishing terminal 10 for reloading (replenishing) electronic money to an electronic money card. The terminal 10 includes a display 11 and an input unit 12 as well as a card processor 13. I have. The display unit 11 displays operation guidance items required for processing and input items that have been input.
(Including a mouse as well as a keyboard) inputs necessary items for the reloading process and the information transfer process.

The card processor 13 reads / writes information from / to a prepaid card 14 formed from a magnetic card and an electronic money card 15 formed from an IC card. It has insertion holes 16 and 17 for insertion.

FIG. 2 shows the electronic money replenishing terminal 10 described above.
The CPU 20 drives and controls each circuit device according to a program stored in a ROM 21, and a RAM 22 stores data necessary for operation.

The IC card reader 23 is provided inside the electronic money card insertion slot 17 of the card processor 13 and reads / writes data from / to the inserted electronic money card 15. Magnetic card reader 24
Is the prepaid card slot 1 of the card processor 13 described above.
6 and the inserted prepaid card 1
4 is subjected to data read / write magnetic processing. The communication device 25 performs data communication between the electronic money replenishment terminal 10 and an upper center (for example, a host computer).

FIG. 3 shows a storage area of the prepaid card 14. The prepaid card 14 records (stores) a type ID for classifying the prepaid value and amount information corresponding to the type ID. .

In the prepaid card 14 shown in this embodiment, a plurality of stores are set with one card, and the stores used are, for example, gas stations, specific supermarkets, and other specified stores. Can be used at any of the used stores, and a type ID is set to identify these used stores, and information on the amount of money (prepaid value) paid in advance at each used store is recorded. The above-mentioned type ID sets a store code number (store number), a card number, and other necessary information such as personal information and store information.

Then, when the transaction is made at the store in use, the transaction amount is settled by subtracting the transaction amount from the price information stored in the type ID corresponding to the store in use. In addition, one prepaid card for one use store, for example,
A prepaid card for a gas station, a prepaid card for a specific supermarket, and a prepaid card for other specified stores can also be used.

FIG. 4 shows a storage area of the electronic money card 15, and an electronic money area R1 of the card 15 includes:
Record (store) electronic money amount information (electronic money value) and other necessary information, for example, user's personal information, security information, settlement priority information and other information. Note that the information on the priority of the settlement is a setting for giving priority to the prepaid value or the electronic money value in the settlement. In this example, the priority of the settlement with the prepaid value is shown.

Further, a prepaid value area R2 is set in the electronic money card 15, and the area R2 is an area in which information recorded on the prepaid card 14 is transcribed (prepaid value transfer). The type ID for classifying the prepaid value and the price information corresponding to the type ID are transferred and recorded.

The transfer processing of the prepaid value of the prepaid card 14 by the CPU 20 of the electronic money replenishing terminal 10 configured as described above will be described with reference to FIG. The prepaid card 14 and the electronic money card 15 are inserted into the respective insertion slots 16 and 17 of the card processor 13, and the internal IC card reader 23 and the magnetic card reader 2 are inserted.
4 reads the card data of the corresponding card (steps n1 and n2).

The type ID is confirmed from the read card data of the prepaid card 14 (see FIG. 3) and is displayed on the display 11. If there are a plurality of type IDs, the type IC to be transferred is input by the input unit 12. specify. When the prepaid card 14 is constituted by one dedicated prepaid card for one store, since the type ID indicating the store is recorded, this type ID is displayed on the display 11. It is displayed, and the type ID of this display is designated by the input device 12 (steps n3 and n4).

Next, it is confirmed whether or not the specified type ID has already been transferred to the prepaid value area R2 of the read card data of the electronic money card 15, and if it is determined that there is no transfer, the specified ID is specified. The type ID is recorded, the amount information area corresponding to the type ID is initialized, and the amount information corresponding to the type ID is recorded (steps n5, n6, n7, n8).

If the same type ID already exists,
The current amount information is added (added) to the amount information corresponding to the type ID and recorded.

Next, at the time of settlement, it is determined whether or not to set a priority of setting the value of the electronic money or the value of the prepaid value with priority. If the user sets in advance, the order is determined. Is set in the other information area of the electronic money area R1 (FIG. 4 shows an example in which the priority of the prepaid value is set). No setting is made (steps n9 and n10). Next, in the card data of the prepaid card 14, the amount information of the transferred type ID is deleted. Note that by leaving the information of the moved type ID, the used store that has been moved can be confirmed at a later date. However, when it is not necessary to confirm, the type ID may be deleted (step n11).

Subsequently, it is determined whether or not there is a transfer process. If there is a transfer process, the process returns to step n4. Then, the electronic money card 15 and the prepaid card 14 inserted into the electronic money card 13 are released, and the process ends (step n13).

By transferring the prepaid value of the prepaid card 14 to the electronic money card 15 as described above, the electronic money value and the prepaid value can be used together. Can be settled with electronic money value.
Since the processing can be performed with the electronic money cards 15, the convenience of the user is improved.

Further, since the prepaid value of the prepaid card 14 is transferred, the prepaid card 14
If the prepaid value balance of the payment becomes small and the payment with the prepaid card 14 alone becomes impossible, the entire balance is settled by transferring the value without performing a conventional new card issuance or a value reloading process. And the convenience of the user is improved.

Further, when transferring the prepaid value,
Identification information such as the store used in the prepaid value, that is,
If the type IDs are recorded in association with each other, a plurality of types of prepaid value can be recorded on one electronic money card 15, and all balances can be used for each type of payment for payment, thereby improving user convenience. Better.

Further, according to the electronic money replenishment terminal 10 which is the above-mentioned medium processing device, it is possible to provide the electronic money card 15 having the above-mentioned effects, and it is also possible to provide the same kind of prepaid card storing the prepaid value. Even if a plurality of cards 14 are processed, the prepaid value is added (summed)
Since recording is performed, the recording area can be minimized without wasteful use of the recording area.
5, the processing at the time of settlement is simplified.

Further, in the transfer of the value of the prepaid card 14, a prepaid value can be transferred from a plurality of prepaid cards 14 of different types (different stores) by recording a transfer with a type ID. The electronic money cards 15 can be effectively used.

FIG. 6 shows a payment processing terminal 30 for performing payment processing using the electronic money card 15. The terminal 30 is provided with an IC card reader 33 in addition to a display 31 and an input device 32. The display 31 displays operation guidance items and input items required for processing, and the input device 32 (including a mouse as well as a keyboard) inputs transaction information and payment information.

The above-mentioned IC card reader 33 has an insertion slot 34 for reading / writing information from / to the electronic money card 15 formed of an IC card and for inserting the card 15.

FIG. 7 shows a control circuit block of the payment processing terminal 30 described above. The CPU 40 drives and controls each circuit device according to a program stored in the ROM 41, and
The AM 42 stores data necessary for the operation. Communication device 4
3 performs data communication between the settlement processing terminal 30 and an upper center (for example, a host computer).

The settlement processing terminal 30 configured as described above
The settlement process of the electronic money card 15 by the CPU 40 will be described with reference to FIG. Payment processing terminal 3 described above
0 is installed in a store, but the store is capable of performing payment with a prepaid value in addition to electronic money payment.
D is set, and this type ID information is stored in the RAM 42. The operation is performed by a clerk.

When the user purchases a product and completes a transaction, the payment amount is input through the input device 32, and the payment method is confirmed with the customer (step n21).

When the payment by the electronic money card 15 is confirmed, the card 15 is received and the IC card reader 3
When the electronic money card 15 is inserted into the insertion slot 34 of the IC card 3, the IC card reader 33 reads the card data of the card 15 (step n22).

Next, it is checked whether or not the type ID of the store exists in the read card data of the electronic money card 15, and if it does not exist, the settlement is made with the electronic money value (steps n23, n24).

If the type ID exists in the above check,
The user is confirmed whether to use the prepaid value or not, and if the prepaid value is not used, the settlement is made with the electronic money value (steps n25 and n26).

In the above confirmation, when the use of the prepaid value is confirmed, the sum of the prepaid value and the electronic money value is calculated for the settlement amount, and the shortage of the settlement due to the prepaid value is supplemented by the electronic money value. (Step n27).

Next, it is checked whether the prepaid value or the electronic money value is to be used preferentially, and the other necessary information in the electronic money area R1 of the electronic money card 15 indicates the priority of settlement. If there is such information, it is followed according to it, otherwise it is confirmed by the user and input by the input device 32 (step n28), and the settlement process is executed (step n29).

That is, the calculated amount is subtracted from the amount information recorded corresponding to the corresponding type ID in the prepaid value area R2 of the electronic money card 15, and
This is updated, and the amount of the supplement is reduced from the amount information of the electronic money area R1, and the settlement is performed.

Next, if the amount of money in the prepaid value area R2 of the electronic money card 15 is zero, the area of this amount of money information is deleted (step n30), and the settlement process is terminated. In this way, the electronic money card 15
Thus, the electronic money value and the prepaid value are used together.

In the correspondence between the configuration of the present invention and the embodiment, the value recording medium and the first medium of the present invention correspond to the electronic money card 15 of the embodiment.
The medium corresponds to the prepaid card 14, the identification information corresponds to the type ID, the medium processing device corresponds to the electronic money replenishment terminal 10, and the determination means and the identification means for determining whether or not the same type of value is transferred. The determination means for determining information corresponds to the CPU 20 having the processing functions of steps n6 and n7, and the control means for performing the total recording processing corresponds to the CPU 20 having the processing functions of step n8. The present invention can be applied based on the technical idea described in the claims, and is not limited to the configuration of the above-described embodiment.

[Brief description of the drawings]

FIG. 1 is an explanatory view showing a perspective view of an electronic money replenishing terminal.

FIG. 2 is a control circuit block diagram of the electronic money replenishing terminal.

FIG. 3 is an explanatory diagram showing a recording area of a prepaid card.

FIG. 4 is an explanatory diagram showing a recording area of the electronic money cart.

FIG. 5 is a flowchart showing a prepaid value transfer process.

FIG. 6 is an explanatory diagram showing a perspective view of a payment processing terminal.

FIG. 7 is a control circuit block diagram of a payment processing terminal.

FIG. 8 is a flowchart showing a settlement process in the electronic money card 15;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... Electronic money replenishment terminal 13 ... Card processor 14 ... Prepaid card 15 ... Electronic money card 20 ... CPU 23 ... IC card reader 24 ... Magnetic card reader

Claims (5)

[Claims] 1. A value recording medium in which a prepaid value of a second medium on which a prepaid value is recorded is transferred to a first medium on which a value of electronic money is recorded, so that both values can be used together. 2. The value according to claim 1, wherein when transferring the prepaid value of the second medium to the first medium, identification information for identifying the transferred prepaid value is recorded corresponding to the prepaid value. recoding media. 3. A medium processing apparatus for receiving a value recording medium according to claim 1 and executing value transfer. 4. The medium processing apparatus according to claim 3, further comprising: a determination unit that determines whether or not a value of the same type has already been transferred when the value transfer process is performed. A medium processing apparatus comprising a control unit that adds and records the same type of value when it is determined that the same type of value is transferred. 5. The medium processing apparatus according to claim 3, further comprising: a determination unit that determines identification information when executing the value transfer process; and when the determination unit determines the same type of identification information, A medium processing apparatus including a control unit that performs a recording process by adding values recorded in correspondence with the same type of identification information.