JP2001022854A - Information management device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily and accurately collectively manage the money transfer states that are caused by the account transactions carried out to the banks and credit firms with forcing no individual burden required by inputting as necessary the money transfer information, balance information, amount information, account information, identification information and accumulated data and displaying the processing results of these information. SOLUTION: An information management terminal 100 includes a communication terminal that is connected to a communication circuit 130, an IC card drive 101, a magnetic card drive 102, etc. The money transfer information which is read out of the drive 101, the balance information read out of the drive 102, the amount information read by a scanner 103, the account information on the banks 141 and 142 and a credit firm 143 which are acquired via the circuit 130, the identification information recorded on an IC card 111 and a prepaid card 112 and the accumulated data are inputted as necessary and the prescribed processing is properly carried out to collectively manage these information. A monitor 104 displays the information which are processed at the inside of the terminal 100.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information management apparatus for collectively managing the status of money exchanges caused by account transactions with banks and credit companies, purchase and sale of goods at stores and the like, and other transactions.

[0002]

2. Description of the Related Art In general, in each individual's life, payment of public utility charges and the like is made by automatic debit from a bank account or the like owned by the individual, or by himself / herself going to a bank or post office and paying the fee. Payment at the time of purchase of goods such as groceries at a store is made by debiting a bank account through a credit company when a credit card is used, or by paying cash to a store owner.
Conversely, salaries are generally received by transfer to a bank account or by receiving cash directly from the employer.

[0003] Among the above transactions involving money transfer, such as debiting from a bank account, transfer to a bank account, etc.
In transactions through a bank account, the date and amount are written in the bank passbook and recorded as a record of money transfer.However, in transactions by direct transfer of cash, it is necessary to manage receipts or receipts issued at stores by yourself. As a result, a record of the transfer of money had to be kept.

[0004]

As described above, regarding the transfer of money through a bank account, by referring to the deposit and withdrawal record (deposit passbook) of each bank account, the date on which the transaction involving the transfer of money occurred. , The amount of money, etc. can be confirmed. It is also easy to manage deposit and withdrawal records (deposit passbook). On the other hand, in the case of a transaction in which cash is directly delivered and received, such as purchase of goods at a store, there is no description in the deposit / withdrawal record (deposit passbook) of the bank account. In addition, when purchasing goods using a credit card, only the total debit amount for each month is written in the bank account deposit / withdrawal record (passbook), and details of the credit card usage status are sent to the individual. It must be confirmed in the sent specification.

[0005] Therefore, in order to manage the record of money transfer for directly transferring cash as described above and the detailed record of purchase of goods using a credit card, a receipt, receipt, credit, and the like received at the time of money transfer are managed. It is necessary to keep and organize the statement of use of the card. But,
It is not easy to manage all receipts, receipts, credit card usage statements, etc. without losing them.

[0006] In order to collectively manage the money transfer records as described above, every time a transaction involving money transfer occurs, for example, the date, amount, and transaction partner are recorded in a record book such as a household account book. If the transfer of money transfer is performed without fail, or if data is accurately input to spreadsheet software or the like of a personal computer (personal computer), the situation of the money transfer is accurately grasped. Although this can be done, this task requires a great deal of effort from the individual.

It is an object of the present invention to provide an account transaction with a bank or a credit sales company, purchase and sale of goods at a store or the like by cash transfer, purchase of a product using a credit card, and the status of money transfer generated by other business transactions. An object of the present invention is to provide a device that can be easily and accurately managed collectively without imposing a burden on an individual.

[0008]

In order to achieve the above object, according to the present invention, there is provided an IC card which is inserted into a card drive having a cash register function and which appropriately stores the money transfer information during a transaction involving money transfer. An IC card reading means capable of reading the money transfer information recorded on the IC card by inserting the IC card; a magnetic card reading means capable of reading balance information of the magnetic recording type prepaid card; Reading means capable of reading the obtained amount information, communication means connected to a communication line, and capable of inputting account information relating to an account transaction of a financial institution through the communication line, identification information capable of identifying a user of the apparatus, and A recording medium capable of appropriately storing and accumulating total data, etc., and money transfer information read from the IC card reading means. The balance information read from the magnetic card reading means, the money amount information read from the reading means, the account information obtained through the communication means, the identification information and the total data recorded on the recording medium are input as required. Information processing means for appropriately performing predetermined processing, and display means for displaying the processing result of the information processing means, wherein the IC card is inserted into the IC card reading means, or When the magnetic recording type prepaid card is inserted into the card reading means, when money amount information is input from any paper using the reading means, when a request is made by a user of the apparatus, or when a predetermined When the predetermined time has been reached, or in any case, the above-mentioned identification information stored in the recording medium is referred to, and Search and select only the account information related to the user through the communication means, and in the information processing means, refer to the money transfer information, the balance information, the money amount information, the account information, and the total data, respectively, and input the information as appropriate. An information management device that performs the tallying process, displays the result of the tallying process on the display unit, replaces the past tallying data stored and accumulated in the recording medium, and newly stores and accumulates the data is used.

[0009] Alternatively, the information management apparatus further includes an output unit for outputting the total data stored and accumulated in the recording medium, and a control unit for controlling the output unit.
The above-mentioned control means, when there is a request from the user of this device, or when a predetermined time comes, or when the total data not output from the above-mentioned output means is accumulated more than a predetermined capacity In any of the cases described above, among the total data stored and accumulated in the recording medium, only the total data not output by the output unit is output in accordance with the output specification predetermined by the user of the apparatus. An information management device that controls the information is used.

[0010]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows an information management apparatus according to the present invention.
It is a block diagram explaining an Example. In the figure, 10
Reference numeral 0 denotes an information management terminal that has a communication terminal connected to a communication line, an IC card drive, a magnetic card drive, etc., and manages information collectively. 101 denotes an IC card inserted therein, and money recorded on the IC card as appropriate. An IC card drive capable of reading and erasing transfer information, a magnetic card drive 102 for inserting a magnetic recording type prepaid card, and appropriately reading the balance information of the magnetic recording type prepaid card, and a reference numeral 103 for an amount written on a sheet of paper. A scanner capable of reading character information such as information; 104, an information management terminal 10;
0, a monitor for displaying information processed inside, 105 a printer for printing information processed inside the information management terminal 100, 111 an IC card, 112 a prepaid card,
Reference numeral 113 denotes a receipt, 120 denotes a terminal with a cash register function that is installed in a store or the like and writes information to the IC card 111 during a transaction involving money transfer, 121 denotes an IC card drive of the terminal 120 with a cash register function, and 130 denotes a terminal. A communication line, such as a telephone line, connected to the communication terminal of the information management terminal 100 and capable of bidirectional communication; 141, 142, and 143 are banks connected to the information management terminal 100 via the communication line 130; It is a credit company.

FIG. 2 is a detailed block diagram of the information management terminal 100 of FIG. In the figure, those having the same numbers as those in FIG. 1 are the same circuits.
A communication terminal to which the scanner 103 is connected; a scanner terminal to which the scanner 103 is connected; an output terminal to which the printer 105 is connected;
1, for performing predetermined processing on information obtained from the magnetic card drive 102, the scanner 103, the communication line 130, etc.
A processing circuit having at least a microcomputer and a working RAM area 220 is used for appropriately storing identification information capable of identifying the user of the information management terminal 100 and information processed by the processing circuit 210, for example, A recording medium such as a hard disk, 231 includes a communication line 130 and a processing circuit 210.
Communication interface for controlling information communication between the
Reference numeral 2 denotes a reading control circuit for controlling information input of the scanner 103, and reference numeral 233 denotes an output control circuit for controlling data output to the printer 105.

Using FIG. 1 and FIG. 2, information relating to deposits and withdrawals in an individual's life, such as information on money transfer at the time of purchase of goods at a store and information on money transfer at an account transaction at a bank or the like, is collectively managed. The processing operation of the information management terminal 100 in the case of performing the operation will be described.

For example, in the case of purchasing some merchandise (food, clothing, etc.) at a store, the user deposits the IC card 111 at a checkout clerk when clearing the price of the purchased merchandise at a checkout station. The checkout machine at the checkout station is the terminal 120 with a cash register function shown in FIG. 1, and the checkout clerk inserts the IC card received from the user into the IC card drive 121 of the terminal 120 with a cash register function. IC of terminal 120 with cash register function
The card drive 121 is used to write transaction information such as the name of the store, the item of the purchased product, the classification code, the amount, and the date as necessary. Note that the cash register and the IC card drive may be separate devices. However, if the terminal has an integrated cash register function as in the present embodiment, the payment processing of the purchased product (cumulative addition of the price)
And the transaction information writing process to the IC card 111 can be performed at the same time, and the processing time at the checkout station can be reduced.

A RAM (random access memory) capable of appropriately writing, reading, and erasing, in the IC card 111, transaction information such as the name of the store, the name of the purchased product, product information such as a classification symbol, and the amount and date. ) In addition to the area, at least a ROM (read only memory) area for storing identification information capable of identifying a user of the IC card 111 may be prepared. The identification information stored in the ROM area is effective for identifying a user, individually changing the processing content, or protecting personal information, and the like. The processing will be described later.

After returning to the home after purchasing the goods at the store, the user inserts the IC card 111 into the information management terminal 10.
0 into the IC card drive 101 and the IC card 1
Identification information stored in a ROM area 11 and a RAM
Read the transaction information stored in the area. This processing detects that the IC card 111 has been inserted into the card drive 101 and automatically reads the ROM of the IC card 111.
It is convenient to read the area and the RAM area. Further, the transaction information stored in the RAM area of the IC card 111 is erased at the same time as being transferred to the processing circuit 210.

According to the above processing, the transaction information in the case where an article is purchased at the store having the terminal with cash register function 120 is stored in the processing circuit 210 of the information management terminal 100.
Can be forwarded to

In the case of dealing with a store or the like that does not have the terminal 120 with the cash register function, the IC card 111 cannot be used. In this case, bring back the receipt 113 or the like issued at the store, and use the scanner 103 attached to the information management terminal to read the transaction information such as the store name, date, and amount printed on the receipt. Good. By this processing, the transaction information when purchasing goods at a store that does not have the terminal 120 with a cash register function is
The data can be transferred to the processing circuit 210 of the information management terminal 100.

Further, if the user has a prepaid card or the like used when using a telephone, a railway, a bus, or the like,
Each time the prepaid card is used, the used prepaid card is inserted into the magnetic card drive 102.
When the prepaid card 112 is inserted into the magnetic card drive 102, the information management terminal 100 automatically reads the balance information recorded on the prepaid card 112,
A comparison is made with the previously read balance information stored in the recording medium 220. By reading the balance in the past and comparing it with the balance information recorded on the recording medium 220, it is possible to confirm how much the balance of the prepaid card 112 has decreased, that is, how much the balance has used. The balance information is transferred to the processing circuit 210 and, at the same time, is recorded on the recording medium 220 in place of the past balance information.

On the other hand, information of money transfer processed through a bank account, such as automatic debit of a utility bill, is input through communication with a management computer such as a bank through a communication line 130. The information of money transfer processed through the bank account input by communication with the management computer of the bank or the like may be obtained, for example, by periodically communicating with the management computer of the bank or the like at regular intervals to obtain the information. However, the IC card 111 may be
It is preferable that the communication be performed when the user inserts the magnetic card 112 into the magnetic card drive 102 or when the user inputs the price information from the receipt 113 using the scanner 103. Needless to say, it may be performed in response to a communication request of the user of the information management terminal 100.

At the time of communication, by referring to the identification information for identifying the user of the information management terminal 100 stored in the recording medium 220, the bank, etc. 141, 142, 1
When communicating with the management computer of 43, it becomes possible to search and acquire only the information on the user from the huge amount of information on the management computer of the bank.

IC card 111 and prepaid card 11
2. The processing circuit 210, which has input information on purchase of goods by cash through the receipt 113 and information on account transactions through the communication line 130, further inputs information on past money transfer stored in the storage medium 220, and Predetermined processing using the microcomputer and the working RAM area, for example, settlement (aggregation) of monthly or annual income and expenditure,
The amount of consumption for each category (food, clothing, etc.) is calculated, and the processing result is displayed on a monitor. Note that the IC card 111
By referring to the identification information stored in the ROM area and processing only the corresponding information by inputting it from the storage medium 220, one management terminal 100 can be used by a plurality of users. And the user is also identified by the IC card 11
1 can be automatically performed simply by inserting it into the IC card drive 101.

Further, the output control device 233 converts the processing data stored in the recording medium 220 of the information management terminal 100 to a predetermined value, for example, when requested by a user of the device, or on a weekend or a month end. Reference is made to a predetermined time or the like, and control is performed so that printing is performed from the printer 105 in accordance with the output specifications predetermined by the user. With this processing, it is possible to print out the money use situation for one week or one month on paper and easily grasp it.

Further, when the total data which is not output by the printer 105 is accumulated in a predetermined capacity or more, for example, the non-output total data of one A4 size paper is output according to a predetermined output specification of the user. When the data is stored, the printer 105 prints only one sheet of A4 size paper. If the printed paper is bound to a file, a recorded household account book can be easily created.

As described above, by using the information management terminal of the present invention, account transactions with banks and credit companies, purchase and sale of goods by cash transfer at shops, purchase of goods using credit cards, and other business transactions It is possible to easily and accurately manage the status of money transfer that accompanies, and even if you want to save the money use status as a document, print the above aggregated data and easily create a household account book You can do it.

[0026]

According to the information management apparatus of the present invention, account transactions with banks and credit companies, purchase and sale of goods by cash transfer at shops, purchase of goods using credit cards, and the transfer of money caused by other business transactions. Can be easily and accurately managed collectively.

[Brief description of the drawings]

FIG. 1 is a block diagram of an information management terminal for explaining one embodiment of the present invention.

FIG. 2 is a detailed block diagram of the information management terminal 100 of FIG.

[Explanation of symbols]

100: information management terminal, 101: IC card drive,
102: magnetic card drive, 103: scanner, 10
4 monitor, 105 printer, 111 IC card,
112: prepaid card, 113: receipt, 120
... Terminal with cash register function, 121 ... IC card drive, 130 ... Communication line, 201 ... Communication terminal, 2
02 ... scanner terminal, 203 ... output terminal, 210 ... processing circuit, 220 ... recording medium, 231 ... communication interface, 232 ... read control circuit, 233 ... output control circuit.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07G 1/12 321 G06F 15/74 330G (72) Inventor Ko Nobuaki 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture. Address F-term (Reference), Digital Media Development Division, Hitachi, Ltd. 3E042 BA17 BA18 CA10 CC02 CC03 CD10 EA01 5B049 AA01 CC48 CC50 EE21 FF02 FF03 FF07 FF08 GG02 GG05 GG09 5B058 CA31 CA40 KA06 KA08 YA07YA

Claims (2)

[Claims] 1. An IC card which is inserted into a card drive having a cash register function and which can appropriately store the money transfer information in a transaction involving money transfer;
IC card reading means capable of inserting a card and reading money transfer information recorded on the IC card;
Magnetic card reading means capable of reading balance information of a magnetic recording type prepaid card, reading means capable of reading money amount information written on a sheet of paper, and an account related to an account transaction of a financial institution connected to a communication line through the communication line. Communication means capable of inputting information, identification information capable of identifying a user of the apparatus, a recording medium capable of appropriately storing and accumulating total data, etc .; monetary information read out from the IC card reading means; The balance information read from the card reading means, the money amount information read from the reading means, the account information obtained through the communication means, and the identification information and the total data recorded on the recording medium as required. Information processing means for performing predetermined processing as appropriate, and display means for displaying processing results in the information processing means. When the IC card is inserted into the IC card reading means, when the magnetic recording type prepaid card is inserted into the magnetic card reading means, or when the reading means When the information is input, when a request is made by a user of the apparatus, or when a predetermined time is reached, or the like, the above-described information stored in the recording medium is stored. With reference to the identification information, only the account information relating to the user is searched and selected and input through the communication means. In the information processing means, the money transfer information, balance information, amount information, account information,
And refer to the tabulated data respectively, perform the tabulation process again, display the tabulation processing result on the display means, and replace the past tabulated data stored and stored in the recording medium, and store and store again. An information management device characterized by the following. 2. The information management apparatus according to claim 1, further comprising: output means for outputting total data stored in said recording medium; and control means for controlling said output means. Means, upon a request by a user of the apparatus, or when a predetermined time comes;
In the case where the total data not output from the output means is accumulated in a predetermined capacity or more, among the total data stored and stored in the recording medium, the total data is output by the output means. An information management apparatus characterized in that control is performed such that only totalized data is output in accordance with an output specification predetermined by a user of the apparatus.