JP2002245520A - Charging method of prepaid card buying price - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a charging operation method of a card system price for reducing cost sharing risk of a card system user trying to introduce a card system by setting a card price for a card maker to an amount of the ratio according to a using state of a card. SOLUTION: Amount data corresponding to an advance paid by a card user is recorded or stored in a recording means or a storage means of a prepaid card, and when the card user pays the price, price amount data equivalent to the price paid by the card user is subtracted and read from the amount data on the prepaid card by a card reader writer. The price amount data is sent to a host computer controlled by a card issuer, and after calculating a card using fee composed of a rate predetermined to the price amount data by a card using fee calculating means of the host computer, the card using fee is added to and stored in the storage means of the host computer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card to be issued to a card user upon receiving a prepayment, and a card issuer using a purchase price of a prepaid card purchased from a card manufacturer by using the card user's card. The present invention relates to a method of charging a prepaid card purchase price to be charged to make an amount according to a situation.

2. Description of the Related Art Conventionally, a card used for a prepaid card or the like has a magnetic layer, a printing layer, and the like sequentially formed on a card base material, and usable amount data corresponding to a prepayment collected from a card user is formed on the magnetic layer. Is magnetically recorded so that the settlement process using the card can be performed. These prepaid cards are generally of a disposable type in which the user of the card disposes itself after the balance of usable amount data is exhausted.

[0003] However, in these prepaid cards of the magnetic recording system, since the card is easily forged, it is dangerous to issue a card magnetically recording the amount data corresponding to a large prepayment such as tens of thousands of yen. . Therefore, in order to prevent a large amount of damage even if forgery is performed, it is common to issue a card that magnetically records the amount data according to the advance payment of, for example, several thousands yen. is there.

[0004] However, if the amount of money recorded on the prepaid card is small, the number of consumed prepaid cards is large, and the amount of consumed resources is large. This causes a problem that resource saving cannot be promoted. For this reason, in order to promote resource saving, it is desired that a prepaid card issued once be collected and reused to promote resource saving.

[0005] When a prepaid card, such as an IC card, which has a large data storage capacity and is difficult to forge, is used, it is easy to store a large amount of money data on the card. Since the cost increases, there is a problem that the profit cannot be paid unless the card issuer collects the prepaid card issued once and repeatedly reuses it for a plurality of card users.

However, when a relatively expensive prepaid card is issued to a card user, the cost of purchasing the card from the card manufacturer by the card issuer becomes high. May be unprofitable for the card issuer. Furthermore, despite the fact that the card issuer has purchased a high-priced prepaid card from the card manufacturer, there is a risk of early failure, etc.
There is a problem that it is difficult to introduce a relatively expensive prepaid card such as a card.

[0007]

SUMMARY OF THE INVENTION The present invention enables a card issuer, a card system user, and the like to reuse an expensive card such as a high-performance IC card whose manufacturing cost is relatively high compared to a magnetic card. Even if introduced as a prepaid card, the card user's usage of the card so that the card user will not return the prepaid card, or if the prepaid card is damaged, lost or destroyed early, no damage will occur The present invention provides a method of charging a prepaid card purchase price, which makes it possible to charge and store an amount corresponding to the amount of the prepaid card.

[0008]

According to the present invention, a method for charging a prepaid card purchase price according to the present invention comprises the steps of: A method of charging a prepaid card purchase price to be charged for the amount of money, in the recording means or storage means of the prepaid card, to record or store the amount data corresponding to the prepayment paid by the card user, When the card user pays for the price, the card reader / writer subtracts the price data for the price paid by the card user from the price data of the prepaid card and reads it, and the card issuer reads the price data. Sent to the host computer to be managed,
The card usage fee calculating means of the host computer calculates a card usage fee consisting of a predetermined ratio with respect to the price data, and then adds and stores the card usage fee in the storage means of the host computer. Features.

[0009]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a diagram for explaining an outline of a method of charging a prepaid card purchase price according to the present invention.
FIG. 3 is a plan view of an embodiment of a prepaid card used in the method of charging a prepaid card purchase price of the present invention, FIG. 3 is a sectional view taken along line AA of FIG. 2, and FIG. FIG. 5 is a system block diagram of a system used to carry out the method of the present invention.

First, an outline of a method of charging a prepaid card purchase price according to the present invention will be described with reference to FIG.
First, in the case of implementing a card system using a prepaid card, as shown in FIG. 1, a card issuer 40 that issues the prepaid card while operating the entire card system, Sale of goods and services by using a card maker 50 that provides prepaid cards for a fee and goods and services to customers for a fee, installing a card reader / writer in stores, etc., and using the system of the card issuer 40 Use of a card system user 60 that collects payment using a prepaid card, and use of a card as a customer of the card system user 60 to pay a card price to the card system user 60 using a prepaid card. There is a relationship consisting of the person 70.

The card issuer 40 provides a prepaid card 1 and a card system using the prepaid card 1 to a card system user 60 who performs various business using the prepaid card. Then, the card system user 60 issues the prepaid card 1 to the card user 70 as a customer, and pays for the purchased goods and services using the prepaid card 1. The card manufacturer 50 provides the prepaid card 1 to the card issuer 40, and the card issuer 40 sends the card system user 6
Prepaid card 1 of card user 70 who is a customer of 0
Is used to receive payment in accordance with the payment for the purchased goods and services.

In other words, the purchase price of the prepaid card 1 paid from the card issuer 40 to the card manufacturer 50 is not a fixed amount but a payment amount for the goods and services using the prepaid card 1 of the card user 70. It fluctuates accordingly. Therefore, even if the card issuer 40 or the card system user 60 receives the provision of the prepaid card 1 such as an IC card or the like, which is originally expensive, from the card manufacturer 50, the payment for the prepaid card 1 is not made by the card user. The number of the 70 prepaid cards 1 is increased or decreased based on the usage status.

This is because even if a card system using a prepaid card 1 such as an IC card having a high cost is introduced, the prepaid card 1 cannot be recovered from the card user unexpectedly, Even if such a situation occurs, damage to the card issuer 40 and the card system user 60 can be minimized.

Next, an embodiment of the prepaid card 1 used in the present invention will be described. As shown in FIGS. 1 and 2, a prepaid card 1 used in the present invention has two center core sheets 3 a and 3 b laminated as a card base 2, and further has transparent oversheets 4 a and 4 a on its upper and lower surfaces. 4b
Are laminated. Overseats 4a, 4
“b” is a sheet formed of a copolymer resin of vinyl chloride and vinyl acetate, and a magnetic recording portion 5 composed of a magnetic stripe is formed on the surface thereof.

On the other hand, the center core sheets 3a and 3b are a milky white copolymer resin of vinyl chloride and vinyl acetate,
On the surfaces of the center core sheets 3a and 3b, character information,
Various print indications 6 such as pictures, marks, designs, and the like are formed by offset printing, silk screen printing, or the like. The number of the center core sheets 3a and 3b may be one to three or more as long as the required thickness is obtained, and it is not particularly limited to two. In addition, the overseats 4a, 4b
An adhesive layer may be provided between and the center core sheets 3a and 3b.

Then, as shown in FIG. 2, the oversheets 4a, 4b are stacked from above and below the center core sheets 3a, 3b, and are placed, for example, at 150.degree.
After applying heat and pressure of kg / cm ² to laminate and integrate, the card base material 2 is punched out to a card size.

The resin used as the material of the oversheets 4a, 4b and the center core sheets 3a, 3b is not particularly limited. Resin, butadiene resin, acrylonitrile-butadiene-styrene copolymer resin, polycarbonate resin, polyamide resin, cellulose resin, polyester, polyethylene,
Examples include synthetic resins such as polyolefins such as polypropylene, polyvinyl alcohol, acrylic resins, polymethyl methacrylate resins, styrene resins, urethane resins, fluororesins, and mixtures thereof.

On the front side of the card base 2, there is formed a recess 9 into which an IC module 8 containing an IC chip 7 is inserted and adhered and fixed. The IC module 8
For example, an IC having a memory as a storage unit capable of storing various information and a CPU as a control unit
The chip 7 and a terminal unit 10 for exchanging information with an external device are connected by a through hole 11 to form a module. The memory of the IC chip 7 can store amount data of an available balance that can be paid using the prepaid card 1. Further, the same information as the information recorded on the IC chip 7 may be recorded on the magnetic recording unit 5 or may be arbitrarily selected from the above information and recorded.

The over sheet 4a of the card base 2
A concave portion 12 is formed in a part of the surface of the device, and a rewritable display portion 13 capable of rewritably displaying information is provided in the concave portion 12. This rewritable display unit 1
As 3, a reversible thermosensitive display section is provided, for example. In the reversible thermosensitive display section, an adhesive layer 14, a support (PET) 15, a thermosensitive recording layer 16, and a protective layer 17 are sequentially laminated from the bottom.

The reversible thermosensitive display unit used in the present invention is described in, for example, JP-A-54-119377 and JP-A-55-15.
Nos. 4198, 61-258853, 58
-7683, 57-109695, 5
These materials are known in, for example, Japanese Patent Application Laid-Open Nos. 7-82086 to 82088. These materials are polymer compositions that can be reversibly changed between a transparent state and a cloudy state by heat and can maintain the above two forms at room temperature.

[0021] For example, cloudiness and these materials are cooled after heating to a temperature above T ₁ by normal temperature, it becomes transparent when and ambient temperature by high and cooling after heating to a temperature T ₂ lower than T _1. Therefore, to form a heat-sensitive recording layer from these polymer compositions, the entire cooling after heating is a transparent film of this layer to the temperature T ₂ and higher than the room temperature lower than T _1,
White characters are formed by opaque and is printed with the transparent film by the thermal head or the like above T ₁ of the temperature. When heated to a temperature again T ₂ on the entire surface after the character forming these letters are erased, thereby enabling printing at a temperature of T ₁ again. The inverse total was temperature clouding T _1, it is also possible to print the outline character shape at a temperature of T _2.

Any of the polymer compositions having the above-mentioned physical properties can be used in the present invention. Preferred examples thereof include polyvinyl chloride, vinyl chloride-based copolymer, vinylidene chloride-based copolymer, and polyester. A thermoplastic resin such as a matrix material is used as a matrix material. In this matrix material, the use ratio with a saturated or unsaturated fatty acid having 10 to 30 carbon atoms, an organic low molecular weight substance such as an ester, a mamide or an ammonium salt thereof is by weight. 3: 1 to 16:
1, preferably in the range of 6: 1 to 12: 1. As described above, the reversible thermosensitive display section formed on the card base 2 may be provided on all or a part of both sides and one side of the card base 2 so as to conform to the purpose of use of the card.

As a display means capable of rewritably displaying information, a leuco-based reversible thermosensitive display may be provided instead of the reversible thermosensitive display. When forming a leuco-based reversible thermosensitive display unit, a compound having a leuco dye and an acid group capable of coloring by heating the leuco dye and a hydrochloric acid group capable of decoloring by heating the leuco dye, or From a compound having an acidic group capable of developing color by heating the leuco dye and a compound having a hydrochloric acid group capable of decoloring by heating the leuco dye, and a binder composed of a polymer material or the like dissolved in water or an organic solvent. Constitute.

The leuco dyes include 3-indolino-p
-Dimethylaminophenyl-6-dimethylaminophthalide, crystal violet lactone, 3-diethylamino-7-chlorofluoran, 2- (2-fluorophenylamino) -6-di-n-butylaminofluoran,
2- (2-fluorophenylamino) -6-diethylaminofluoran, 3-diethylamino-7-cyclohexylaminofluoran, 3-diethylamino-5-methyl-7-tert-butylfluoran, 3-diethylamino-
6-methyl-7-p-butylanilinofluoran, 3-
Diethylamino-6-methyl-7-anilinofluoran, 2-anilino-3-methyl-6- (N-ethyl-p
-Toluidino) -fluorane, 3-pyrrolidino-6-methyl-7-anilinofluoran, 3-pyrrolidino-7-
Cyclohexylaminofluoran, methyl-7-anilinofluoran, 3-N-methylcyclohexylamino-
6-methyl-7-anilinofluoran and the like can be used.

As the acidic group to be colored by heating the leuco dye, a phenolic hydroxyl group or a carboxyl group can be used. Further, as the hydrochloric acid group to be decolorized by heating the leuco dye, an amino group or the like can be used.

Examples of these amphoteric compounds having an acidic group and a hydrochloric acid group include aminophenols such as 2-aminophenol, 3-aminophenol and 4-aminophenol; 2-aminobenzoic acid, 3-aminobenzoic acid, -Aminobenzoic acid such as aminobenzoic acid; 2-hydroxy-3
-Aminobenzoic acid, 2-amino-3-hydroxybenzoic acid, 2-amino-4-hydroxybenzoic acid, 2-amino-4-aminobenzoic acid, 2-hydroxy-6-aminobenzoic acid, 3-amino-4 Hydroxyaminobenzoic acid such as -hydroxybenzoic acid and 3-hydroxy-5-aminobenzoic acid can be used.

As the compound having an acidic group, 2
-Hydroxybenzoic acid such as -hydroxybenzoic acid and 3-hydroxybenzoic acid; and hydroxysalicylic acid such as 4-hydroxysalicylic acid and 5-hydroxysalicylic acid can be used. Examples of the compound having a hydrochloric acid group include octylamine, nonylamine, benzylamine, 2-phenylethylamine, and 6-phenylhexylamine.

As the binder, methyl alcohol,
Polyvinyl alcohol, ethyl cellulose, cellulose acetate, nitrocellulose, polystyrene, polyviryl chloride and the like can be used.

The content of the above components in the leuco reversible thermosensitive recording display section is such that 0.1 to 1 part by weight of a leuco dye and 2 parts by weight or less of a binder are mixed with 1 part by weight of an amphoteric compound. Then, for example, the amphoteric compound, leuco dye, and binder are dissolved or dispersed in water or an organic solvent and printed on a support by a method such as gravure printing, offset printing, or letterpress printing.

The principle of image display and image erasure in the leuco reversible thermosensitive recording display unit is as follows. By thermal energy, the phenolic compound opens the lactone ring of the colorless leuco dye and changes its color from colorless to colored. However, the organic compound in which the lactone ring is opened, upon contact with a basic substance, is closed to return to the original colorless leuco dye having a lactone ring. That is, by controlling the thermal energy, the lactone ring can be opened to form a colored compound or closed to return to a colorless compound. In other words, it exhibits a property of an acid by the action of heat or a color developer or a color-reducing agent for a leuco dye to show the property of a base.

On the rewritable display unit 13, the amount data 18 of the usable balance is displayed by a card reader / writer as shown in FIG. The card user sees the available balance amount data 18 displayed on the rewritable display unit 13, and can use the available balance amount data stored in the memory of the IC chip 7 or recorded on the magnetic recording unit 5. Can be checked at any time.

Next, an embodiment of a card system used in the method of charging a prepaid card purchase price of the present invention will be described with reference to FIGS. FIG. 4 shows a card system consisting of three stores as an example.
a, 60b, and 60c. Card system user 60
Each of the stores a, 60b, and 60c includes a card reader / writer 20a, 20b, and 20c and a computer terminal 21a, 21b, and 21c, respectively. The computer terminals 21a, 21b, and 21c provided in each store include:
The system is configured by connecting via a communication line 22 such as the Internet to a host computer 23 installed at a card issuer 40 operating a card system, and further to a computer terminal 39 installed at a card manufacturer 50. .

The above card system will be described in detail below with reference to FIG. FIG. 5 shows a card system configuration in a case where the card system user 60 is one store for easy understanding, and will be described with reference to FIG. The card reader / writer 20 provided to the card system user 60 includes a data reading unit 24, a data writing unit 25, and a display recording unit 26.

The data reading means 24 and the data writing means 25 of the card reader / writer 20 write and read data to and from a recording unit and a storage unit such as the magnetic recording unit 5 and the IC chip 7 provided on the prepaid card 1. It is provided with the specifications of the known technology. Further, the display recording means 26 of the card reader / writer 20 displays the amount data of the usable balance on the rewritable display unit 13 provided on the prepaid card 1 and has a specification of a known technique. The computer terminal 21 of the card system user 60 includes a display unit 27, an input unit 28, a storage unit 29, and a control unit 30.

The host computer 23 installed in the card issuer 40 operating the card system has input means 31, display means 32, output means 33 such as a printer, card usage fee calculating means 34, The card system fee calculating means 35, the card fee and the card system fee calculated by the card fee calculating means 34 and the card system fee calculating means 35 are added for each prepaid card 1 and stored data. Storage means 37 having a charge management information database 36 stored as
And control means 38.

The card usage fee calculating means 34 and the card system usage fee calculating means 35 use the prepaid card 1 by the card reader / writer 20 when the card user 70 pays for the purchase of goods using the prepaid card 1.
The card usage fee and the card system usage fee are calculated based on the payment amount data deducted from the available balance of the above from a predetermined rate. In the case of a card usage fee, a predetermined rate based on the payment amount data is determined in advance between the card manufacturer and the card system user. The rate of the card system usage fee is determined between the card system user and the card issuer.

The computer terminal 39 installed in the card manufacturer 50 is provided with a display means 40, an input means 41, a storage means 42, and a control means 43, and is provided through a communication line 22 such as the Internet. In this case, the card usage fee stored data stored in the host computer 23 installed in the card issuer 40 operating the card system is received and can be confirmed. As a result, the card manufacturer 50 can always accurately grasp the card usage fee to be paid from the card issuer 40 and can point out an error. The card usage fee paid from the card issuer 40 to the card manufacturer 50 may be selected from conventional methods such as bank transfer.

Next, the processing procedure of the method of charging the prepaid card purchase price of the present invention will be described. First, when the card user 70 purchases a product using the prepaid card 1, the prepaid card 1 is inserted into the card reader / writer 20 installed in the store of the card system user. Then, the money amount data of the purchased product is subtracted from the money amount data of the usable balance recorded or stored in the recording unit or the storage unit of the prepaid card 1, and the money amount data of the usable balance is rewritten. At this time, the display contents of the rewritable display unit 13 are also rewritten.

The price data of the purchased product is sent from the card reader / writer 20 to the computer terminal 21 and further sent to the host computer 23 of the card issuer 40 via a communication line. Then, the card usage fee calculation means 34 and the card system usage fee calculation means 35 of the host computer 23 calculate the card usage fee and the card system usage fee from a predetermined rate based on the price data of the purchased product. Are calculated respectively. For example, if the card usage fee and the card system usage fee are set to be 2% of the price of the purchased product of the card user, and the price of the purchased product is 10,000 yen, the card usage fee and the card system usage fee will be 200 yen each is calculated.

The card usage fee and the card system usage fee calculated by the card usage fee calculation means 34 and the card system usage fee calculation means 35 are accumulated and stored in the charging management information database 36 of the host computer 23, respectively. .

The card stored on the card user's computer terminal 39 via the communication line from the host computer 23 of the card system issuer 40 on the payment date of the card usage fee and the card system usage fee, for example, once a month. The usage fee amount data is transmitted and reported, and the amount is transferred. Similarly, a payment request having the accumulated amount of the card system usage fee is transmitted from the host computer 23 of the card system issuer 40 to the computer terminal 21 of the card system user 60 via a communication line and reported. Based on this, a transfer process from the card system user 60 to the card system issuer 40 is performed.

As described above, the card system issuer 40 pays the card manufacturer 50 a card price in accordance with the rate at which the card user 70 paid by using the card. Regarding the billing of the card system usage fee from the user 40 to the card system user 60, the card system fee according to the rate at which the card user 70 paid out using the card can be claimed.

[0043]

As described above, the method of charging the prepaid card purchase price of the present invention uses the card price or the card system price according to the rate at which the card user paid using the card. Since it can be charged as a bill to manufacturers and card system users,
Even if expensive cards such as high-performance IC cards with relatively high manufacturing costs are introduced as reusable prepaid cards, there is a risk that the prepaid card will not be returned or that the prepaid card will be damaged, lost or destroyed early. It is not necessary for the card system issuer to bear the credit card issue, and the card system user who introduces the card system does not have to take the risk of having fewer card users than expected. It has the effect of being easy.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating an outline of a method of charging a prepaid card purchase price of the present invention.

FIG. 2 is a plan view of an embodiment of a prepaid card used in the method of charging a prepaid card purchase price of the present invention.

FIG. 3 is a sectional view taken along line AA of FIG. 2;

FIG. 4 is a system configuration diagram showing an example of a system configuration used to carry out the method of the present invention.

FIG. 5 is a system block diagram of a system used to implement the method of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Prepaid card 2 Card base material 3a, 3b Center core sheet 4a, 4b Transparent oversheet 5 Magnetic recording part 6 Print display 7 IC chip 8 IC module 9, 12 Concave part 10 Terminal part 11 Through hole 13 Rewritable display part 14 Adhesive layer 15 Support (PET) 16 Thermal recording layer 17 Protective layer 18 Money data of usable balance 20, 20a, 20b, 20c Card reader / writers 21, 21a, 21b, 21c Computer terminal 23 Host computer 24 Data reading means 25 Data Writing means 26 Display recording means 27, 32, 40 Display means 28, 31, 41 Input means 29, 37, 42 Storage means 30, 38, 43 Control means 33 Output means 34 Card usage fee calculation means 35 Card system usage fee calculation Means 36 Charge management information Database 40 Card issuer 50 Card manufacturer 60 Card system user 70 Card user

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 17/00 G07F 7/08 M 19/077 G06K 19/00 K

Claims (1)

[Claims] 1. A prepaid card purchase method in which a card issuer charges a purchase price of a prepaid card purchased from a card manufacturer in order to make the purchase amount of the prepaid card a percentage according to the card use status of the card user. Then, the amount data corresponding to the prepayment paid by the card user is recorded or stored in the recording means or storage means of the prepaid card, and when the card user pays the price, the card reader / writer is used. The amount data of the prepaid card is subtracted from the amount data paid by the card user and read, and the amount data is sent to the host computer managed by the card issuer, and the card usage fee calculating means of the host computer After calculating a card usage fee consisting of a predetermined ratio with respect to the payment amount data, Billing method prepaid card purchase price, characterized in that to store the de fee is added to the storage means of the host computer.