JP2001143160A - Host device and debit card settling device and debit card settling system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a host device and a debit card settling device and system for easily confirming the deposit balance after settlement. SOLUTION: A sum to be settled obtained by a sum to be settled obtaining means and the specific information of a magnetic card read by a magnetic card reader 12 are transmitted to a host device, and a deposit balance after settlement based on the specific information updated and stored by a deposit balance storing means by withdrawing a sum to be settled from the deposit balance by the host device is received by a deposit balance after settlement receiving means, and displayed at the display part 14 of a password inputting device 13 by a deposit balance displaying means. Thus, it is possible to easily confirm the deposit balance after settlement at a display part 14 of a password inputting device 13 each time settlement is performed with a magnetic card without using any ATM or the like. Therefore, a customer can enjoy the next shopping with the magnetic card without concern only by storing the deposit balance.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a host device, a debit card payment device, and a debit card payment system.

[0002]

2. Description of the Related Art At present, there are widely known methods of performing settlement by various cards instead of cash. In particular, debit card payments that can be settled immediately are expected to spread rapidly in the future. This debit card settlement generally uses a host device such as a host computer of a bank and a POS which is a merchandise sales registration data processing device installed in a store.
(Point of Sales: Point of Sales) A debit card payment device such as a terminal is connected via a network, and the payment is made immediately from the deposit account using a bank cash card (bank card) and the payment is made. Payment is made to the designated account of the member store. Accordingly, this debit card payment does not require the user to use too much because the user can shop within the range of the deposit balance, and also has the trouble of withdrawing cash from an ATM (Automated Teller Machine). There are merits such as omission of fees and the need for fees. In addition, cash handling costs are reduced for merchants,
There are merits such as the ability to collect money more efficiently than credit.

[0003]

However, in the conventional debit card settlement, each time the settlement is performed, a check is made as to whether or not payment is possible, which is a comparison between the account balance and the product price. Was unable to confirm the balance of the deposit. Therefore, when using debit card payment for multiple purchases, debit card payment was possible for the first purchase, but debit card payment could not be performed for the second purchase due to insufficient deposit balance. There was a problem.

[0004] An object of the present invention is to provide a host device, a debit card payment device, and a debit card payment system capable of easily confirming a deposit balance after payment.

[0005]

According to a first aspect of the present invention, there is provided a host device, comprising: a deposit balance storing means for storing a deposit balance in association with unique information stored in a magnetic card; The payment target amount receiving means for receiving the received payment target amount, and the payment target amount associated with the predetermined unique information received by the payment target amount receiving means are stored in association with the same unique information. The settlement possibility inquiry means for determining whether or not the payment amount is within the range of the deposit balance, and the settlement possibility amount is the same if the settlement possibility amount inquiry unit determines that the settlement amount is within the range of the deposit balance. Settlement execution means for updating and storing in the deposit balance storage means a post-settlement deposit balance deducted from the deposit balance stored in the deposit balance storage means in association with the unique information of And a settlement after deposits transmitting means for transmitting the updated stored the payment after deposits by the execution unit.

Therefore, the settlement target amount associated with the predetermined unique information received by the settlement target amount receiving unit is within the range of the deposit balance stored in the deposit balance storage unit in association with the same unique information. When it is determined by the settlement possibility inquiry means, the post-settlement deposit balance obtained by deducting the settlement target amount from the deposit balance is updated and stored in the deposit balance storage means, and transmitted by the post-settlement deposit balance transmission means. As a result, the post-settlement deposit balance in which the settlement target amount is deducted from the deposit balance is transmitted each time settlement is made.

According to a second aspect of the present invention, there is provided a debit card settlement apparatus for reading data including unique information of a magnetic card and a predetermined password stored in the magnetic card, and inputting the password. A password input device having an input unit for receiving a payment and a display unit for displaying predetermined items; a payment target amount obtaining unit for obtaining a payment target amount; the payment target amount obtained by the payment target amount obtaining unit; Payment target amount transmitting means for transmitting to the host device the unique information of the magnetic card read by the card reader, and the post-settlement balance based on the unique information of the magnetic card read by the magnetic card reader from the host device. Receiving post-settlement deposit balance receiving means; and the post-settlement deposit received by the post-settlement deposit balance receiving means. Comprising a deposit balance display means for displaying the balance on the display unit of the personal identification number input device, the.

Therefore, after the payment target amount acquired by the payment target amount acquisition means and the unique information of the magnetic card read by the magnetic card reader are transmitted to the host device, the settlement based on the unique information from the host device is performed. The post deposit balance is received by the post deposit settlement balance receiving means, and is displayed on the display unit of the personal identification number input device by the deposit balance display means. This makes it possible to easily confirm the deposit balance after the payment on the display unit of the personal identification number input device every time the payment is made by the magnetic card.

According to a third aspect of the present invention, there is provided a debit card settlement system including the host device according to the first aspect and the debit card settlement device according to the second aspect. Is determined by the settlement availability inquiry means that the payment target amount associated with the predetermined unique information received by is within the range of the deposit balance stored in association with the same unique information in the deposit balance storage means. Then, the post-settlement deposit balance obtained by deducting the settlement target amount from the deposit balance is updated and stored in the deposit balance storage means, and transmitted by the post-settlement deposit balance transmission means.

On the other hand, on the debit card payment device side, after the payment target amount acquired by the payment target amount acquisition means and the unique information of the magnetic card read by the magnetic card reader are transmitted to the host device, the host device transmits the information. Is received by the post-payment deposit balance receiving means and displayed on the display unit of the personal identification number input device by the deposit balance display means.

[0011] This makes it possible to easily confirm the deposit balance after the payment on the display unit of the personal identification number input device every time the payment is made by the magnetic card.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described with reference to FIGS. The present embodiment is a POS which is a merchandise sales registration data processing device including a pin pad as a personal identification number input device and a magnetic card reader for reading information stored on a cash card (bank card) as a magnetic card. (Point of Sales: Point of Sales) An example of a debit card payment system in which a terminal is applied to a debit card payment device provided in a store, and a host computer of a bank connected to the POS terminal via a network is applied to the host device. is there.

FIG. 1 is an external perspective view schematically showing the POS terminal 1 and the pin pad 13. As shown in FIG. 1, the POS terminal 1 is mounted on a drawer 2,
The opening and closing of the drawer 3 of the drawer 2 is controlled. The POS terminal 1 has a keyboard 4 on which various keys are gathered, and a control for switching the operation mode of the POS terminal 1 to each business mode such as a registration mode, a setting mode, a checkout mode, and an inspection mode by a key (not shown). A key 5, a receipt issuing port 7 for issuing a transaction receipt or the like printed by the printer 6 (see FIG. 4), and a journal window 8 are provided. A display 9 functioning as a display unit on the operator side is arranged on the upper right side of the POS terminal 1, and a customer display 10 functioning as a display unit on the customer side is provided near the display 9. I have. Further, a bar code scanner 11 for optically reading a product code attached to the product is connected to the POS terminal 1. In addition, a magnetic card reader 12 for reading data recorded on a magnetic stripe (not shown) of a cash card C (see FIG. 4), which is a magnetic card, is provided below the POS terminal 1 on the right side. I have. The data stored in the magnetic stripe of the cash card C includes an account number, which is unique information of the cash card C, a predetermined password, and the like.

FIG. 2 is a plan view showing an arrangement of various keys on the keyboard 4 of the POS terminal 1. Keyboard 4
Is a numeric key 4a from "0" to "9" for inputting a product code, an amount, and the like; a deposit / current key 4b for declaring cash settlement in the sales registration process; It has an appearance structure in which various keys such as a debit card key 4c for declaring card settlement and an execution key 4d for declaring transmission of "debit payment information" described later are arranged for each block. The keys other than 4a to 4d are keys provided in a conventional POS terminal or ECR, and
Since it is irrelevant to the function unique to the terminal 1, its description is omitted.

In addition, as shown in FIG. 1, the POS terminal 1 is connected to a pin pad 13 which is a personal identification number input device for inputting a personal identification number defined for each cash card C. . The pin pad 13 is provided with a display 14 which is a display unit for displaying predetermined items, and a keyboard 15 which is an input unit which collects various keys and receives an input of a personal identification number. A cover 16 is attached to the pin pad 13 so that a keyboard 15 for inputting a personal identification number and a display 14 on which a personal identification number, a bank balance, and the like are displayed cannot be seen from the surroundings. Furthermore, the pin pad 13
The rear surface 17 of the display 14 is formed in a semi-cylindrical shape so that the display contents of the display 14 can be easily viewed when the pin pad 13 is placed.

FIG. 3 is a plan view showing the arrangement of various keys on the keyboard 15 of the pin pad 13. As shown in FIG. A YES key 15 which is a function key is
a and NO keys 15b, numeric keys 15c from "0" to "9" for inputting a password, etc., an ENTER key 15d for declaring execution of processing, a CANCEL key 15e for declaring interruption of processing, and a numeric key Various keys such as a clear key 15f for clearing the input content from the key 15c and the display content on the display 14 are provided.

Next, the electrical connection of each part provided in the POS terminal 1 will be described with reference to FIG. As shown in FIG. 4, the POS terminal 1 has a built-in microcomputer (hereinafter referred to as a microcomputer) 18.
Reference numeral 8 denotes a keyboard 4, a control key 5, a printer 6, a display 9, a customer-side display 10, a barcode scanner 11, a magnetic card reader 12, a pin pad 13, and the like, and a bus line 19 and various control circuits (not shown). ) And drive control. The microcomputer 18
Is a ROM, which is a recording medium for storing fixed data such as a start program in the CPU 20 via the bus line 19.
21 and a RAM 22 for rewritably storing various data
And are connected by RAM 22
Functions as a work area such as a print buffer and a sales buffer by utilizing a function of storing variable data in a rewritable manner. The RAM 22 is backed up by the battery BT.

An HDD (Hard Disk Drive) 23 is connected to the microcomputer 18 via a bus line 19, and the HDD 23 stores a control program, a product master file, a sales file, and the like.

Further, the microcomputer 18 has a bus line 19
The communication I / F 24 is connected via the
The terminal 1 can be connected to a host computer (not shown) of the information processing center A through a WAN (Wide Area Network), and the host computer of the information processing center A is a host computer of a bank B (shown in FIG. ) Can be connected. The host computer of the bank B stores the balance of the deposit in the bank B in association with the account number which is the unique information of the cash card C. Here, a deposit balance storage means is realized.

Next, the electrical connection of each part provided in the pin pad 13 will be described with reference to FIG. As shown in FIG. 5, a microcomputer 25 is built in the pin pad 13, and the microcomputer 25
Each part such as the keyboard 15 is driven and controlled via a bus line 26 and various control circuits (not shown). Microcomputer 25
Is a storage medium for storing fixed data such as a control program in the CPU 27 via the bus line 26 in advance.
OM28 and R for storing variable data in a rewritable manner
It is configured by connecting with AM29. Further, an I / F 30 for transmitting and receiving data to and from the microcomputer 18 of the POS terminal 1 is connected to the microcomputer 25 via a bus line 26, for example.

Here, the HDD built in the POS terminal 1
23 and the control program stored in the ROM 28 built in the pin pad 13,
The functions executed by the microcomputer 18 and the microcomputer 25 will be described. The flow of the debit card payment processing according to the present embodiment will be described below.

FIG. 6 is a flowchart schematically showing the flow of the debit card settlement process. The debit card payment process is executed on condition that the registration mode is set by switching the control key 5.
First, in step S1, a sales registration process is executed. In the sales registration processing, for example, reading by the barcode scanner 11 or input of a product code by the number key 4a or the like is determined. If it is determined that a product code has been input (Y in step S1), in step S2, a product master file in the HDD 23 is searched based on the input product code, and sales processing data of the product determined by inputting the quantity is entered. RAM22 sales buffer and HD
The total sales amount (settlement target amount) stored in the sales file or the like of D23 and including the sales processing data so far and the consumption tax based on the sales processing data is calculated. The processes of steps S1 and S2 are repeated until the closing is declared by operating the deposit / current total key 4b or the debit card key 4c in the keyboard 4, for example, in step S3. Here, the function of the settlement target amount acquisition means for acquiring the settlement target amount is executed.

In a succeeding step S4, it is determined whether or not the closing is declared by operating the debit card key 4c. When the debit card key 4c is operated, it is determined that the transaction is a debit card settlement using the cash card C (Y in step S4), and step S5 is performed.
Then, the process waits for acquisition of data recorded on the magnetic stripe of the cash card C. On the other hand, deposit / current total key 4
When b or the like is operated, it is determined that the settlement is cash settlement or the like (N in step S4), and another settlement process is executed.

The customer hands the cash card C to the operator, and the operator inserts the cash card C into the magnetic card reader 12 of the POS terminal 1 and scans the data to record data recorded on the magnetic stripe of the cash card C. Is determined (step S5).
(Y), the process proceeds to step S6, where the POS terminal 1 transmits the total sales amount data, which is the data of the payment target amount, to the pin pad 13, and displays the total sales amount (the payment target amount) on the display 14 of the pin pad 13.

In the following step S7, after the customer confirms the total sales amount (payment target amount) displayed on the display 14, the correct password is input by operating the number key 15c of the keyboard 15 of the pin pad 13. Wait until. If the password input by the operation of the number key 15c is transmitted to the POS terminal 1 and is determined to be a correct password matching the password recorded on the magnetic stripe of the cash card C (step S7). Y), an "execution confirmation message" indicating that the password is correct is displayed on the display 9 of the POS terminal 1 (step S).
8).

In the following step S9, the process waits until the execution key 4d of the keyboard 4 is operated. When the execution key 4d is operated (Y in step S9), the information processing center A is inquired of "debit payment information" such as the total sales amount (payment target amount) and the account number which is the unique information of the cash card C. (Step S10), and waits for reception of a “debit authorization response message” transmitted from the information processing center A (step S11). That is, step S
At 10, the function of the payment target amount transmitting means is executed,
In step S11, the function of the post-settlement deposit balance receiving means is executed.

Here, the "debit authorization response message" transmitted from the information processing center A will be described. The “debit authorization response message” includes, in addition to a field of information on whether the debit payment has been approved or not approved, a cash card C stored in the host computer of the bank B when the debit payment is approved. A field of “balance amount information” is provided as information of a post-settlement deposit balance in which the total sales amount (settlement target amount) is deducted from the deposit balance associated with the account number that is the unique information. The information as to whether the debit payment is approved or not approved is obtained by transmitting the “debit payment information” queried in step S10 to the bank B via the information processing center A, and obtaining the total sales of the “debit payment information”. The determination is made based on whether or not the amount (the amount to be settled) is within the range of the deposit balance associated with the account number which is the unique information of the cash card C stored in the host computer of the bank B. Therefore, if the total sales amount (the amount to be settled) is within the range of the bank B deposit balance,
After deducting the total sales amount (amount to be settled) from the deposit balance, the deposit balance after the withdrawal (after settlement) is updated and stored in the host computer of the bank B, and the post-settlement balance and the approval information are stored in the host computer. The message is generated as a debit authorization response message "and transmitted via the information processing center A. Here, a post-settlement deposit balance transmitting means is realized. On the other hand, when the total sales amount (the amount to be settled) is not within the range of the bank balance of the bank B, only the unapproved information is generated as a “debit authorization response message” and transmitted via the information processing center A. Will be. As described above, the settlement target amount receiving unit, the settlement possibility inquiry unit, and the settlement execution unit are realized.

When the "debit authorization response message" transmitted from the information processing center A is received (step S11)
(Y), the process proceeds to step S12, and it is determined whether or not the debit card payment is approved based on the information on whether the debit payment of the “debit authorization response message” is approved or not approved. When it is determined that the debit card payment has been approved (Y in step S12), an "approval message" indicating that the debit card payment has been made is displayed on the display 9 of the POS terminal 1 (step S13). On the other hand, when it is determined that the debit card payment has not been approved (N in step S12), another payment process is executed.

In the following step S14, balance check processing, which is a characteristic function of the debit card settlement device of the present embodiment, is executed. Here, FIG. 7 is a flowchart schematically showing the flow of the balance confirmation processing. First, the balance confirmation process is performed by the POS terminal 1 and the pin pad 13.
Transmits the “balance amount information” based on the “debit authorization response message” (step S21),
On the third side, a "balance check message" such as "Do you want to check the balance?" Is displayed on the display 14 (step S22).

As described above, the customer decides whether or not to check the balance while the “balance check message” is displayed on the display 14 of the pin pad 13. This intention is indicated by the keyboard 15 of the pin pad 13. Is operated by operating the YES key 15a or the NO key 15b. That is, when the YES key 15a is operated, it is determined that the intention to confirm the balance has been indicated (Y in step S23), and the display 14 of the pin pad 13 is determined.
Displays the "balance amount" based on the "balance amount information" (step S24). Here, the function of the account balance display means is executed. "Balance amount" on this display 14
Is cleared when it is determined that the clear key 15f of the keyboard 15 has been operated (Y in step S25) (step S26).

On the other hand, if the NO key 15b is operated, it is determined that there is no intention to confirm the balance (N in step S23), and the "balance confirmation message" displayed on the display 14 is cleared. (Step S2
7).

The balance confirmation processing (step S14) is completed by the above steps S21 to S26.

After the balance confirmation processing (step S14) is completed, the printer 6 of the POS terminal 1 prints a transaction receipt based on the sales processing data, a debit confirmation, and the like.
Issue it (step S15) and end the process. In addition,
If it is determined in step S23 that the YES key 15a has been operated and the intention to confirm the balance has been indicated (Y in step S23), the "balance amount" is also printed on the transaction receipt.

Here, the personal identification number specified on the cash card C read by the magnetic card reader 12 is input by the keyboard 15 of the pin pad 13 and
If the total sales amount (payment target amount) is within the range of the deposit balance associated with the account number, which is the unique information of the read cash card C, the settlement target amount is deducted from the deposit balance. The post-deposit balance is calculated, and the post-payment deposit balance is displayed on the display 14 of the pin pad 13. As a result, each time the cash card C is settled, the display 1 of the pin pad 13 is displayed.
4, it is possible to easily check the deposit balance after the settlement without using an ATM or the like.
Now you can do your next shopping.

In this embodiment, the POS terminal 1 provided with the pin pad 13 and the magnetic card reader 12
Is provided as a debit card payment device on the store side, but the present invention is not limited to this, and a card processing terminal provided with a pin pad provided separately on the store side from the POS terminal may be applied to the debit card payment device. . In this case, the payment target amount may be obtained by operating the keyboard of the card processing terminal, or the payment target amount may be obtained by transmission from the POS terminal.

In the present embodiment, the host computer of the bank B is used as the host device. However, the present invention is not limited to this. For example, the host computer of the information processing center A may have a function as a host device. May be.

[0037]

According to the host device of the present invention, the deposit balance storage means for storing the deposit balance in association with the unique information stored in the magnetic card, and the deposit balance storage means associated with the predetermined unique information. A settlement target amount receiving means for receiving the settlement target amount, and the deposit in which the settlement target amount associated with the predetermined unique information received by the settlement amount receiving unit is stored in association with the same unique information. A settlement possibility inquiry means for judging whether or not the balance is within a range of the balance; and if the settlement possibility amount is judged to be within the range of the deposit balance by the settlement possibility inquiry means, the settlement amount is set to the same unique value. Settlement execution means for updating and storing, in the deposit balance storage means, a post-settlement deposit balance deducted from the deposit balance stored in the deposit balance storage means in association with information; A post-settlement deposit balance transmitting means for transmitting the post-settlement deposit balance updated and stored by the storage means, wherein the settlement target amount associated with the predetermined unique information received by the settlement target amount receiving unit stores the deposit balance storage unit If the settlement availability inquiry means determines that the balance is within the range of the deposit balance stored in association with the same unique information, the post-settlement deposit balance in which the settlement target amount is deducted from the deposit balance is stored in the deposit balance storage means. By updating and storing the information, and transmitting it by the post-payment balance transmission means, it is possible to transmit a post-payment balance in which the amount to be settled is deducted from the deposit balance each time the payment is made.

According to the second aspect of the present invention, there is provided a magnetic card reader for reading data including unique information of a magnetic card and a predetermined personal identification number stored in the magnetic card, and the personal identification number. A password input device having an input unit for receiving an input and a display unit for displaying a predetermined item, a payment target amount obtaining unit for obtaining a payment target amount, and the payment target amount obtained by the payment target amount obtaining unit. A payment target amount transmitting means for transmitting to the host device the unique information of the magnetic card read by the magnetic card reader; and the post-payment deposit based on the unique information of the magnetic card read by the magnetic card reader from the host device. A post-settlement deposit balance receiving means for receiving the balance, and the settlement received by the post-settlement deposit balance receiving means. The rear bank balance and a deposit balance display means for displaying on the display unit of the personal identification number input device,
After transmitting the payment target amount acquired by the payment target amount acquisition means and the unique information of the magnetic card read by the magnetic card reader to the host device, after the settlement of the post-settlement deposit balance based on the unique information from the host device, The balance is received by the deposit balance receiving means and displayed on the display unit of the personal identification number input device by the deposit balance display means, so that the settlement balance after the settlement is displayed on the display unit of the personal identification number input device every time the payment is made by the magnetic card. Can be easily confirmed without using the, so that the customer can surely perform the next shopping with the magnetic card if he stores the balance of the deposit.

According to a third aspect of the present invention, there is provided a debit card settlement system comprising: the host device according to the first aspect; and the debit card settlement device according to the second aspect. The settlement possibility inquiry means has determined that the settlement target amount associated with the predetermined unique information received by the means is within the range of the deposit balance stored in association with the same unique information in the deposit balance storage means. In this case, the post-settlement deposit balance obtained by deducting the settlement target amount from the deposit balance is updated and stored in the deposit balance storage means, transmitted by the post-settlement deposit balance transmission means, and acquired by the debit card settlement device by the settlement target amount acquisition means. After transmitting the payment target amount and the unique information of the magnetic card read by the magnetic card reader to the host device, The deposit balance after settlement based on the unique information is received by the deposit balance after settlement receiving means, and is displayed on the display unit of the personal identification number input device by the deposit balance display means, so that the display of the personal identification number input device is displayed every time the settlement by the magnetic card is performed. The department can easily check the deposit balance after the settlement without using an ATM or the like, so that if the deposit balance is stored, the customer can surely perform the next shopping with the magnetic card.

[Brief description of the drawings]

FIG. 1 is an external perspective view schematically showing a POS terminal and a pin pad according to an embodiment of the present invention.

FIG. 2 is a plan view showing an arrangement of various keys of a keyboard of the POS terminal.

FIG. 3 is a plan view showing an arrangement of various keys of a pin pad keyboard.

FIG. 4 is a block diagram showing an electrical connection of each unit provided in the POS terminal.

FIG. 5 is a block diagram showing an electrical connection of each unit provided in the pin pad.

FIG. 6 is a flowchart schematically showing a flow of a debit card settlement process.

FIG. 7 is a flowchart schematically showing a flow of a balance confirmation process.

[Explanation of symbols]

 12 magnetic card reader 13 password input device 14 display unit 15 input unit C magnetic card

Claims (3)

[Claims] 1. A deposit balance storage means for storing a deposit balance in association with unique information stored on a magnetic card; a settlement target amount receiving means for receiving a settlement target amount associated with predetermined unique information; Whether or not settlement is possible to determine whether the settlement amount associated with the predetermined unique information received by the settlement amount receiving means is within the range of the deposit balance stored in association with the same unique information. Inquiry means, and when the settlement possibility inquiry means judges that the settlement target amount is within the range of the deposit balance, the settlement target amount is stored in the deposit balance storage unit in association with the same unique information. A settlement execution means for updating and storing the post-settlement deposit balance deducted from the deposit balance in the deposit balance storage means; and the post-settlement deposit balance updated and stored by the settlement execution means. A host device and a settlement after deposits transmitting means for transmitting. 2. A magnetic card reader for reading data including unique information of a magnetic card stored on the magnetic card and a predetermined password, an input unit for receiving the input of the password, and a display for displaying predetermined items. A password input device having a unit, a payment target amount obtaining means for obtaining a payment target amount, the payment target amount obtained by the payment target amount obtaining means, and unique information of the magnetic card read by the magnetic card reader. And a post-settlement deposit balance receiving means for receiving the post-settlement deposit balance based on the unique information of the magnetic card read by the magnetic card reader from the host device. The post-settlement deposit balance received by the post-settlement deposit balance receiving means is displayed on the display unit of the password input device. Debit card settlement apparatus comprising: a Shimesuru deposit balance display means. 3. A debit card payment system comprising: the host device according to claim 1; and the debit card payment device according to claim 2.