JP2001306967A - Credit settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system capable of realizing the similar check as conventional CAT terminal equipment by making a customer's own portable telephone set correspond to an IC card, and a credit card company supply an IC card for a member shop even when any CAT terminal is not set in a credit card member shop. SOLUTION: In this credit settlement system for realizing credit settlement by using an IC card for a member shop having a settling function and a portable telephone set corresponding to the IC card for a customer who requests settlement with a credit card, the settlement information of the customer is stored in the memory of the IC card for the member shop.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit card settlement system using a mobile phone. More specifically, a member store checks the creditworthiness of a customer using a mobile phone compatible with an IC card, and both sides of the settlement contents using an IC card for member store payment. Related to the payment system to confirm with each other.

[0002]

2. Description of the Related Art Conventionally, when a credit card customer uses a credit card at a credit member store, a CAT (Credit Authority) provided at the member store is used.
The contents recorded on the magnetic stripe of the credit card are read by the Zonation Terminal, the credit information of the customer is extracted from the database of the credit card company, the creditworthiness is confirmed, and the propriety of the transaction is determined. If it is a normal customer, a sales slip is issued, the usage amount is entered, the customer's credit card is set at a predetermined position of the imprinter provided at the member store, the member code embossed on the credit card surface, valid The term, name, and date of use are copied to the sales slip, and the customer's name is signed in the signature field of the sales slip, and the sales slip is collected. The merchant checks the signature on the signature panel of the card against the signature on the sales slip, and if it matches, cuts out the customer's copy and returns it to the customer along with the credit card. finish. On the other hand, how the sales data of the member store was handled will be described. Conventionally, at a member store, each time a credit card customer makes a purchase using a card, a sales slip is issued from the dedicated register each time and the customer's signature is kept as evidence as described above and the slip is stored, and the sales information is stored by the credit card company each time Reported to the computer. After a certain period of time, the credit card company aggregates the information for each store code for one month up to that date, creates a list for each member store as confirmation information, and distributes it for checking. Affiliated stores that were not connected via a line collected one month's worth of information, cut out bills from sales slips for a certain period of time, sent them together to a credit card company, and billed them for usage. Which of the above methods the merchant chooses depends on how to judge the respective risks. If you get the information every time you sell, you can catch the usage information early as a credit card company. Conversely, merchants who accumulate invoices and lose, burn, or be stolen suffer damage. In this way, a member store connected to a credit card company via a line can avoid risks and improve billing efficiency. Conversely, franchises that are not connected to credit card companies are at greater risk. Therefore, the present invention can report information to a credit card company at the point of sale, and
An object of the present invention is to provide a system that can leave an electronic copy of sales data in a member store card. In recent years, credit cards equipped with IC chips are appearing, but the conventional CAT terminals that support magnetic stripes cannot support IC cards, so it is necessary to remodel the existing CAT terminal or replace it with a new type Has arisen. On the other hand, with the spread of mobile phones, the progress of functions has been remarkable and new models have appeared in one to two years. For example, the data transmission speed has been improved from the conventional 10 kilobits / second to 2 megabits / second, which is about 200 times higher than the conventional one. As a result, the use efficiency of radio waves has been improved and the mobile phone usage fee has been reduced. In addition, with the spread of mobile communication, technology for efficiently using radio waves has been developed, and W-CDMA (Code), which is neither analog (FDMA) nor digital (TDMA), is used.
Division Multiple Access
A communication method for preventing interference by changing codes, called a code division multiple access method, has been developed, and practical application to a new mobile phone is being studied. In addition, since Java, a language for the Internet that can handle all types of information processing without depending on a specific OS, has been developed, individual mobile phones can be provided with a credit authentication function. You can now pay.

[0003]

In such a situation,
Even if a credit card member store does not install a CAT terminal in the store, the mobile phone on hand is compatible with the IC card, and the IC card for the member store is supplied from the credit card company, so the same check as the conventional CAT terminal It provides a system that can perform

[0004]

According to a first aspect of the present invention, there is provided a credit settlement system using a member store IC card having a settlement function and an IC card compatible mobile phone for a customer who requests settlement by credit card. In this system, the customer's payment information is stored in the memory of the member store IC card.

A second invention of the present application is the credit settlement system of the first invention, wherein information stored in the member store IC card is rewritten after a certain period of time. is there.

A third invention of the present application is the credit settlement system according to the first invention of the present application, wherein the member store IC card has a liquid crystal display and an operation switch on almost the entire surface of one side of the card, and the other side. Is characterized in that a solar cell is mounted on almost the entire surface.

[0007]

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

FIG. 1 is a system flow diagram for explaining the system contents of a credit settlement system using an IC card for a member store of the present invention, and FIG. 2 is a diagram for a member store used in the credit settlement system of the present invention. FIG. 3 is a plan view for explaining one embodiment of the back surface of the IC card, FIG. 3 is a plan view for explaining one embodiment of the front surface of the member store IC card used in the present system, and FIG. FIG. 5 is a view for explaining an internal processing structure of an IC card for displaying sales information on a display section of FIG. 5. FIG. 5 is an embodiment of an IC card compatible mobile phone in which the width of the mobile phone is almost the same as the short side of the IC card. FIG. 6 is an explanatory front view of the back side of FIG. 5, and FIG.
IC when the width of the mobile phone is smaller than the short side of the IC card
FIG. 8 is a front view of the back side of FIG. 7, FIG. 9 is a side view of FIG. 5, and FIG. 10 is a side view of FIG. is there.

In FIG. 1, a credit card customer visits a credit card member store, informs a store clerk of a product to be purchased, and informs the store clerk that he / she wants to make a payment with a credit card and provides a credit card equipped with an IC module. The salesperson attaches the customer's credit card to the store's mobile phone 10
2. Send customer's membership code to credit card company 1
03, and confirm the customer's credit 104,105. Return the customer's credit card to the customer (not shown).
In these operations, operating procedures are installed in the mobile phone, and the clerk operating the mobile phone operates the mobile phone as it is displayed. As a result of a credit check,
After entering the member store code 107 into the telephone (the member store code is automatically entered depending on the program), then input the amount of use 108, confirm the display contents of the telephone display 109, and then enter the member store IC. Data necessary for settlement is input to the card from the telephone, and the contents displayed on the card are mutually confirmed 110 by the member store and the customer, and settlement is performed 111. At the time of settlement, the member store clerk or the customer himself presses the operation switch on the member store IC card.

[0010] The IC card for the member store exists independently for each credit card company and substitutes for each sales slip. The IC card is attached to the portable telephone every time the sales are made or at night when the telephone charge is low. Send customer data by credit card company. By using a mobile phone in this way, it is possible to conduct a transaction feasibility study and report sales without introducing a dedicated terminal such as a CAT terminal.

One embodiment of an IC card used in a credit member store will be described with reference to FIGS. Figure 2 shows an IC
FIG. 2 is a plan view of the back surface of the card, where more than half the area of the IC card 1 is occupied by the liquid crystal display unit 2. The display unit 2 displays information necessary for settlement. First, a membership code of about 15 digits when the credit status of the customer is first confirmed in the settlement procedure is displayed. Next, the use date is automatically input to the member store IC card from the memory of the mobile phone. Further, the total of the usage amount is displayed, and finally the member store code is displayed. Since the LCD screen has a limited number of characters that can be represented by the area, it is usual for customers to check the minimum required data.However, when operating in conjunction with cash registers, etc., multiple purchased The product name and price can be displayed for each product. In addition, it takes a long time to input individual detailed information from the telephone keyboard at the time of sales, so if it is inefficient, enter the product code, quantity, and total price provisionally and display it .

As shown in FIG. 3, the back side of the display unit, ie, I
On the front side of the C card 1, a solar cell 5 and an external connection terminal 6 of an IC card are provided. Writing of data to the IC chip (not shown) is performed by the power supply from the external connection terminal, but the liquid crystal display at the time of credit settlement and calling of data from the IC chip are performed by the power supplied from the solar cell. The components shown in FIGS. 2 and 3 are accommodated and fixed so that the surface of each component does not protrude from each surface of the IC card. In the case of a mobile phone compatible with an IC card, the external dimensions, thickness, positions of external connection terminals, etc. of the IC card are all designed in accordance with the ISO (International Organization for Standardization) standards. Must be produced and supplied according to

FIG. 4 is a diagram for explaining the internal processing function of the member store IC card when displaying information and data on the display section of the aforementioned member store IC card. The input power and the input data 408 are controlled by the CPU 404, for example, the credit card company code at the time of the first credit card transaction feasibility check is used as the first code of the input data and connected under the use date. Is done. Under the credit card company code, a customer credit member code, a sold product code, a sales amount, a member store code, and the like are further linked to obtain sales data per case. Information such as date of use and merchant code is automatically output from the mobile phone,
The file is linked to the data memory unit 405 and filed.
All of the above series of operations has been performed using the power supply from the mobile phone. However, when showing the member store IC card to the customer at the time of settlement and confirming the contents, the member store IC card is removed from the mobile phone. A power supply for operating the extracted member store IC card, that is, a power supply for reading data from the IC module, and a liquid crystal drive power supply 409 are supplied by the solar cell 5. By pressing the operation switch 4 shown in FIG.
Called from the memory of C chip, LCD control driver 4
02 is displayed on the liquid crystal display 401 as a display unit.

Next, a mobile phone compatible with an IC card will be described. FIGS. 5 and 6 show an embodiment of a mobile phone compatible with an IC card. The transmitter of the mobile phone is designed to be slightly larger than the short side of the IC card. This type of model is characterized in that an IC card can be easily attached to a mobile phone. FIG. 5 is a front view of the mobile phone 8 of the type as viewed from the operation side. FIG. 6 is a front view of the back surface of the mobile phone of FIG. 5 as viewed from the back surface, that is, the IC card mounting surface. In FIG. 6, a recess having a depth of less than 1 mm (not shown) so that an ISO standard card can be fitted into the back surface of the transmitter.
Is provided, and the contact 10 is provided in a portion close to the transmitter. When the IC card 1 is set in the recess, the external connection terminal 6 provided on the solar cell side of the IC card is connected to the contact 10.
Corresponds to the position. At the same time, the holding part 11 of the transmitter
Presses the IC card from behind the external connection terminal of the IC card, and fixes the IC card while pressing the external connection terminal of the IC card against the contact 10 of the mobile phone.

FIGS. 7 and 8 show an IC card compatible mobile phone according to another embodiment. FIG. 7 is a front view of the operation side of the mobile phone 9, which is an embodiment in which the width of the phone is smaller than the width of the ISO standard card unlike the above-described embodiment. As can be seen in FIGS. 7 and 8, the card protrudes outside the transmitter. In FIG. 7, the IC card is in contact with the mobile phone 9 with the solar cell 5 inside. FIG. 8 is a front view of the reverse side of FIG. 7, but the back side of the external connection terminal 6 of the IC card 1 is extended over the extension of the transmitter to suppress the transmitter 11.
1 holds the back side of the external connection terminal 6 of the IC card,
The card is fixed. 2 denotes a display unit, and 100 denotes a contact of an external connection terminal.

FIGS. 9 and 10 are explanatory views of the portable telephone of FIGS. 5 and 7, respectively, as viewed from the side. In FIG. 9, a concave portion is provided on the back surface of the mobile phone 8 and the IC card 1 is mounted in the concave portion. A contact 10 is provided below the receiver, and a holding portion 11 for fixing an IC card is provided on the right side of the contact 10 as an extension of the transmitter. As in the above, in FIG. 10, the IC card 1 is mounted so as to be sandwiched and buried in the gap provided on the back surface of the mobile phone 9.
A contact 100 is provided below the handset and the contact 10
Holder 111 for fixing IC card 1 on the entire right side of 0
It is. The holding section 111 is extended in the direction of the receiver of the transmitter section, and the IC card is firmly fixed by pulling the transmitter side in the direction opposite to the operation side.

[0017]

According to the system of the present invention, the creditworthiness of a credit card customer can be checked only by using one IC card compatible mobile phone, and the credit card is prepared by preparing one member store IC card for settlement. An electronic copy can be left for each company, a one-month sales history can be managed, and billing for a credit card company can be performed safely, reliably, and at low cost using the mobile phone.

[Brief description of the drawings]

FIG. 1 is a system flow diagram for explaining system contents of a credit settlement system using an IC card for a member store of the present development.

FIG. 2 is a plan view for explaining one embodiment of the back surface of the member store IC card used in the credit settlement system of the present invention.

FIG. 3 is a plan view for explaining one embodiment of the surface of the member store IC card used in the credit settlement system of the present invention.

FIG. 4 is a diagram for explaining an internal processing function of an IC card for displaying sales information on the display unit described above.

FIG. 5 is a front view of an operation side of an embodiment of an IC card compatible mobile phone in which the width of the mobile phone is almost the same as the short side of the IC card.

6 is an explanatory front view of the back side of FIG. 5;

FIG. 7 is a front view of the operation side of an embodiment of an IC card compatible mobile phone when the width of the mobile phone is smaller than the short side of the IC card.

8 is an explanatory front view of the back side of FIG. 7;

FIG. 9 is an explanatory side view of FIG. 5;

FIG. 10 is an explanatory side view of FIG. 7;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 IC card for member stores 2 Display part 3 Example of display contents 4 Operation switch 5 Solar cell 6 External connection terminal 8 One embodiment of a mobile phone compatible with an IC card 9 Another embodiment of a mobile phone compatible with an IC card 10, 100 contacts 11,111 IC card back holding part

Claims (3)

[Claims] An IC card for a member store having a payment function for a customer who requests payment by a credit card;
A credit settlement system comprising: a settlement system using a C-card compatible mobile phone, wherein customer settlement information is stored in a memory of the member store IC card. 2. The credit settlement system according to claim 1, wherein the information stored in the member store IC card is rewritten after a certain period of time. 3. The member store IC card has a liquid crystal display and operation switches mounted on substantially the entire surface of one side of the card, and a solar cell mounted on the entire surface of the other side of the card. Item 1. A credit settlement system according to item 1.