JP2002117351A - Account settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To cash back by giving points by account settlement with an IC card. SOLUTION: When the account settlement (S102) with an IC card 80 is made (S103: YES) at a settlement terminal 60, the data is transmitted (S105) to a point server 20c to add (S106) the points. The points are transmitted (S109) to a bank computer 40, converted (S110) into cash, and sent (S111) to the settlement terminal 60. The settlement terminal 60 updates (S112) to increase the digital cash balance data of the IC card 80. A user of the IC card 80 can receive the cash back of money corresponding to use contents.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention belongs to the technical field of a payment system.

[0002]

2. Description of the Related Art For example, a monetary value such as an amount that can be deducted from a bank deposit is replaced with electronic data and recorded on a portable recording medium (for example, an IC card) as fund information, which is recorded when a product or service is purchased. There is a system in which the settlement is performed by updating the fund information when a medium is presented. For example, JP-A-2000-20
There is an electronic transaction system described in 7509.

In this type of payment system, for example, when a customer who purchases a product inserts an IC card into a payment terminal installed at a retail store or the like and inputs necessary data such as a password and a purchase price, the data is transmitted to the customer. Is transmitted to the settlement controller, and the settlement controller issues a settlement request to, for example, a host computer under the control of the bank. The host computer reduces the balance of the customer's account and increases the balance of the retailer's account. Further, the payment terminal updates the balance data of the IC card by a reduced amount corresponding to the purchase amount. In other words, the actual transfer of funds is performed between the customer's account and the retailer's account, but apparently, the settlement was performed by updating the balance data of the IC card, and the balance of the IC card was apparently settled. The data is substantially equivalent to cash.

[0004] The use of such a settlement system using an IC card eliminates the necessity of giving and receiving cash, so that there is no need to carry a large amount of cash, and there is no need to prepare small change or receive change. There are benefits.

[0005]

However, the number of users of a payment system using an IC card is still small, and further spread is desired.

[0006]

A settlement system according to claim 1 for solving the above-mentioned problems is a portable recording medium in which fund information in which money values are replaced with electronic data is recorded. In the settlement system using, the point calculation means for calculating points according to the content of use of the recording medium, and cashback means for updating the fund information of the recording medium to add the monetary value corresponding to the points With the provision, the user can acquire fund information according to the use content of the recording medium, that is, can receive cashback. As a result, it is more advantageous to use the present system than to pay cash, so that an increase in the number of users of the present system can be expected.

[0007] An IC card is exemplified as a portable recording medium, but is not limited thereto. In short, it is small enough to be easily carried by users (portable) (for example, a business card, commuter pass, or cash card).
It suffices if there is a sufficient storage area to record various information required for settlement.

The contents of use of the recording medium include the number of uses, the payment amount, the place of use (for example, an individual retail store), the use frequency,
This is the usage frequency for each location, and may be one of these (for example, the payment amount) or a combination of a plurality of types. The calculation of points is performed according to the contents of use, but the calculation basis may be set for each payment system, and is not particularly limited.

[0009] The correspondence between points and monetary values may be set for each settlement system.
It may be a circle, or 1000 points may be 1 yen. That is, it is a design item for each payment system. However, it is desirable that the money value to be cashed back is backed by deposits or the like, and more specifically, it is desirable to transfer funds from a bank account of a corporation or the like operating the system to a user's account. Without such a transfer of money, cash would be created, which could be illegal.

[0010] The settlement system according to the second aspect is the first aspect.
In the settlement system described above, the point calculation means increases the points according to a use frequency of each use place of the recording medium. That is, when the frequency of use at a specific place of use (for example, a specific retail store) increases, points are increased accordingly, so that the user repeatedly uses the determined store or facility. As a result, stores and facilities increase sales, so even if points are increased (even if the burden increases a little), sufficient merits can be expected.

[0011] The settlement system according to claim 3 is based on claim 1.
3. The settlement system according to claim 2, wherein the point calculation means increases the points according to a use frequency of the recording medium. In this case, claim 2
Unlike here, regardless of the place of use, the points are increased according to how frequently a specific user uses the system, so that the user will use the settlement system rather than cash payment, for example.

[0012] The settlement system according to claim 4 is the claim 1.
4. The settlement system according to any one of items 3 to 3, wherein the point calculation means calculates points according to the contents of use even when the recording medium is used without the purpose of settlement.

[0013] As a use method not intended for settlement, there is an example in which a recording medium is used for personal identification. Since information for identifying an individual user is also recorded on the recording medium, this information can be used for identifying an access person to the information and can be used as a record of entering and leaving a specific place.

For example, when an advertisement or the like is browsed on the Internet, points can be given in return for providing identification information of the recording medium. This reduces the burden of communication charges when accessing the advertisement. In addition, as an advertiser, it is possible to collect data on which users viewed which advertisements, so that it is possible to identify users who distribute advertisements and prepare advertisements with contents according to the user demographics. .

Alternatively, the recording medium can be used as a company time card. In this case, points can be given as, for example, an all-in-time award according to the attendance record. A settlement system according to a fifth aspect is the settlement system according to any one of the first to fourth aspects, wherein the monetary value corresponding to all or a part of the points calculated by the point calculation means is transmitted to a predetermined destination. It is characterized by having a third party grant means for granting,
The cashback by points can be used for a specific purpose, such as payment of a communication fee or fundraising. Also,
For example, it is also possible to limit the use destination, such as a book voucher, and give a cashback amount to another person.

[0016] The settlement system according to claim 6 is the claim 1.
6. The settlement system according to any one of the items 5 to 5, wherein the recording medium is an IC card. As described above, the recording medium is not limited. However, at present, IC cards are widely used, and many hardware and the like are compatible with IC cards.
If a C card is used, the current system (hardware) can be used as it is, and new investment can be reduced.

[0017]

Next, an embodiment of the present invention will be described with reference to an embodiment of the present invention.

[0018]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS As shown in FIG. 1, a settlement system 10 according to this embodiment is connected to a settlement center 20 comprising a settlement server 20a, a personal information server 20b and a point server 20c, and to the settlement center 20 via the Internet 30. Bank computer 40, a restricted point server 50, a settlement terminal 60, a personal computer 70, and the like.

In the settlement server 20a, user registration data (user address, name, age, occupation, bank account number, personal identification number in this embodiment) for specifying a user, and a settlement limit for each user are stored. Corresponding electronic money balance data and installer data (in this embodiment, the address, trade name or name of the installer, business type, bank account number) for specifying the installer (shop or the like) of each settlement terminal 60 are stored. Note that the electronic money balance data is updated each time a transaction is settled. Although details will be described later, each time a transaction is performed, payment data including at least a user (payer), an installer (recipient) and a payment amount is stored in the bank computer 40 and the point server 20c.
Sent to. In the case of the present embodiment, the payment data also includes data indicating the type of the purchased product or service.

The personal information server 20b is linked with the user registration data to use the usage status data (data such as the number of uses, the amount of money, and the place of use) of the settlement system 10 for each user.
Is stored. Usage data is point server 20c
Sent to. The point server 20c calculates points based on the above-described payment data and usage status data. In addition, points may be given when browsing an advertisement on the Internet 30 with the personal computer 70. The point server 20 c accumulates and stores the points and transmits the accumulated points to the bank computer 40.

The bank computer 40 stores the address, name, age, occupation, account number, personal identification number, deposit / saving balance data, electronic money balance data, and the like of the user who has opened an account at the bank. The above-described user registration data is based on data stored in the bank computer 40, and the address, name, age, occupation, bank account number, and personal identification number of the user are common between the bank computer 40 and the settlement server 20a. It is.

The bank computer 40 stores data relating to the bank account of the installer of the settlement terminal 60 (address, trade name or name of the installer, type of business, bank account number, balance data of deposits and savings). The installer data described above is based on data stored in the bank computer 40, and the address, trade name or name, business type, and bank account number of the installer are common between the bank computer 40 and the settlement server 20a.

The balance data and electronic money balance information are updated each time a transaction is performed. The restricted point server 50 is provided to cope with a case where there are restrictions on the use location and use of points. The function will be described later.

The payment terminal 60 is installed in various stores and facilities, and communicates with the payment center 20 via the Internet 30 via a reader / writer 60a for reading and writing an IC card 80 as a recording medium, input means such as a keyboard, and the like. Communication means and the like. In addition, there are places where the payment terminal 60 is installed and places where the point service is not implemented, and the drawing shows only one each.
Exists. Each payment terminal 60 is provided with a code (terminal ID) for identifying each payment terminal 60, and the payment server 2
0a, personal information server 20b, point server 20c,
Bank computer 40, restricted point server 50
Can recognize various information related to the payment terminal 60, such as the installation location of the payment terminal 60 and the presence or absence of a point service based on the terminal ID.

The IC card 80 includes an identification code (bank code) of a financial institution (for example, a bank) in which the user's account is provided, the user's name, account number, personal identification number, electronic money balance data, and IC card. The expiration date, settlement history, etc. of 80 are recorded, and at least the electronic money balance data and the settlement history are recorded in a rewritable memory.
In the case of the present embodiment, a code (card ID) for identifying the IC card 80 is set.
0 is stored.

The personal computer 70 applicable to the settlement system 10 includes a reader / writer (not shown) for reading and writing the IC card 80. [Cashback Example 1] Cashback for settlement by an IC card will be described with reference to FIG.

For example, when the user purchases a product and pays (pays) the price using the IC card 80, the user inputs the item and price of the product to the payment terminal 60, and then inserts the IC card 80 into the payment terminal 60. Set to. IC card 80
Is set, the payment terminal 60 is connected to the reader / writer 60a.
, The necessary information is read from the IC card 80, and it is confirmed that the payment can be made based on the personal identification by inputting the personal identification number or the expiration date (S101).

Next, a settlement process is performed (S102).
Specifically, the payment terminal 60 has a terminal ID for identifying itself,
The data of the item and price of the product, the bank code read from the IC card 80, the user's name, account number, password, electronic money balance data, card ID, and the like are transmitted to the settlement server 20a. The payment server 20a collates the data sent from the payment terminal 60 with the data stored in the payment server 20a, performs authentication of the payment terminal 60, user confirmation, and the like, and stores the electronic money balance data of the user. And the settlement data including at least the user (payer), the installer (recipient) and the settlement amount is transmitted to the bank computer 40 and the point server 20c specified by the identification code. Bank computer 40
Reduces the electronic money balance data of the user's account according to the settlement amount, and updates the balance data of the installer's account by increasing. This means that the transfer (settlement) of the funds has been completed.

When the payment terminal 60 is installed in a store or the like where the point service is not implemented (S10
3: none), the payment terminal 60 has data for identifying itself,
The data of the item and price of the product and the data that can specify the user of the IC card 80 are transmitted to the personal information server 20b (S104), and when the product is installed in a store or the like that implements the point service (S103). : Yes), and transmits the same data to the point server 20c (S10).
5).

The point server 20c calculates points based on the payment amount included in the data sent from the payment terminal 60, and accumulates and stores the points (S
106). Further, the point server 20c determines whether or not it is necessary to add points based on the use frequency or the like based on the usage status data acquired from the personal information server 20b (S10).
7) If it is necessary to add special points (S107:
YES), a special point is added to the point of S106 (S108).

Then, the point server 20c transmits the points calculated in this way together with the data specifying the user to the bank computer 40 (S109), and the bank computer 40 receiving the points converts the points into cash (S110). ), The data of the amount is stored in the corresponding IC card 8
0 is transmitted to the payment terminal 60 in which 0 is set (S11).
1).

The settlement terminal 60 having acquired the data of the amount from the bank computer 40 updates the electronic money balance data of the set IC card 80 by the corresponding amount (S112). Thus, the IC card 80
Of users can receive cashback of the amount corresponding to the contents of use. As a result, it is more advantageous to use the main settlement system 10 than to use cash payment, so that an increase in the number of users of the main settlement system 10 can be expected. [Cashback Example 2] This example is a cashback example when an advertisement with a point service is browsed on the Internet 30.

As shown in FIG. 3, when an IC card 80 is set on the reader / writer portion of the personal computer 70 and an advertisement on the Internet 30 is browsed (S201), the personal computer 7
0 determines whether or not the advertisement has points (S20).
2) If points are included, the points and data specifying the advertisement are transmitted to the point server 20c (S).
203).

The point server 20c accumulates and stores the points included in the data sent from the personal computer 70 (S204), and transmits the accumulated points to the bank computer 40 together with the data specifying the user (S2).
05). Receiving this, the bank computer 40 converts the points into cash (S206), and transmits the data of the amount to the personal computer 70 on which the corresponding IC card 80 is set (S207).

The personal computer 70 that has acquired the data of the amount from the bank computer 40 updates the electronic money balance data of the set IC card 80 by the amount corresponding to the amount (S208). Thus, the IC card 80
Can also receive a cashback of the amount corresponding to the points attached to the advertisement even when viewing the advertisement. Thereby, as a user, the burden of communication charges when accessing an advertisement is reduced. In addition, as an advertiser, it is possible to collect data on which users viewed which advertisements, so that it is possible to identify users who distribute advertisements and prepare advertisements with contents according to the user demographics. . [Cashback Example 3] Next, an example of cashback for limiting the use destination will be described with reference to FIG. The processing of S101 to S110 shown in FIG.
Since the processing of No. 12 is the same as that described in the cashback example 1 (FIG. 2), the description is omitted.

As shown in FIG. 4, the bank computer 40
Converts the points into cash (S110), and then determines whether there is a restriction on the destination of use (S301). This restriction may be specified by the user of the IC card 80,
The point giving side, that is, the operation manager side of the settlement system 10 may be set in accordance with, for example, a product or service for which settlement has been made.

If there is no restriction on the destination, S1 is performed in the same manner as in Example 1.
The electronic money balance data of the IC card 80 is updated from 11 to S112. When the use destination is restricted (S301: YES), the bank computer 40 transmits the cashback amount to the restricted point server 50 (S302). The restricted point server 50
It is determined whether or not the communication fee is included in the range of the usage restriction (S303), and if the communication fee is available (S30).
3: YES), and this is allocated to the communication fee (S304).

If the charge is other than the communication charge (S303: N
O), the restricted point server 50 attaches the data of the use restriction to the data of the cashback amount, and
The data is transmitted to the payment terminal 60 on which the card 80 is set (S305). The payment terminal 60 that has acquired the data of the amount from the restricted point server 50 is
The electronic money balance data (with restrictions) recorded in the restricted area of the C card 80 is updated by the corresponding amount (S306).

In this way, the user of the IC card 80 can receive a cashback of an amount corresponding to the contents of use, and can use the cashback for a predetermined purpose (for example, a communication fee). . As described above, according to the embodiment, the embodiment of the present invention has been described.
The present invention is not limited to such an embodiment,
It goes without saying that various implementations can be made without departing from the spirit of the present invention.

For example, electronic money backed by a bank deposit or the like is recorded in the IC card of the embodiment, but a prepaid card whose data can be rewritten by a reader / writer such as the settlement terminal 60 may be used. In the embodiment, the point server 20c corresponds to the point calculation means.
0 and the reader / writer of the settlement terminal 60 (personal computer 70) function as cashback means, and in the cashback example 3, these and the restricted point server 50 cooperate to function as cashback means. In the cashback example 3, the process in which the restricted point server 50 allocates the communication fee corresponds to the other party giving means.

[Brief description of the drawings]

FIG. 1 is a schematic diagram of a settlement system according to an embodiment.

FIG. 2 is a flowchart illustrating a process of cashback example 1;

FIG. 3 is a flowchart illustrating a process of a cashback example 2;

FIG. 4 is a flowchart illustrating a process of cashback example 3;

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 Payment system 20 Payment center 20a Payment server 20b Personal information server 20c Point server (point calculation means) 30 Internet 40 Bank computer (cashback means) 50 Restricted point server (cashback means, others grant means) 60a Reader / writer Cashback means) 60 Payment terminal (cashback means) 70 Personal computer (cashback means) 80 IC card (recording medium)

Claims (6)

[Claims] 1. In a payment system using a portable recording medium in which money information in which money value is replaced with electronic data is recorded, a point calculating means for calculating points according to the contents of use of the recording medium, A payment system, comprising: cashback means for updating fund information of the recording medium to add the money value corresponding to the points. 2. The settlement system according to claim 1, wherein said point calculation means increases said points in accordance with a use frequency of each use place of said recording medium. 3. The settlement system according to claim 1, wherein the point calculation means increases the points according to a frequency of use of the recording medium. 4. The settlement system according to claim 1, wherein said point calculation means calculates points according to the contents of use even when said recording medium is used without a purpose of settlement. Settlement system characterized by performing. 5. The settlement system according to claim 1, wherein the monetary value corresponding to all or a part of the points calculated by the point calculation means is given to a predetermined destination. A settlement system comprising an application unit. 6. The payment system according to claim 1, wherein the recording medium is an IC card.