JP2003058935A - Debit settlement device, host device, debit settlement system and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a debit settlement device by which shopping is done on preliminarily knowing deposit balance deposited in banking facilities and convenience is enhanced by enabling balance inquiry before settlement. SOLUTION: When the balance inquiry of the saving is declared before debit settlement (Y in a step S3), the deposit balance which is stored by being associated with identification information stored in an identification information storage medium is acquired (Y in a step S13) and displayed (a step S14) in a host device based on the read identification information stored in the identification information storage medium. Thus, the shopping is done on preliminarily knowing the deposit balance deposited in the banking facilities and convenience is enhanced.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a debit payment device, a host device, a debit payment system and a program.

[0002]

2. Description of the Related Art Today, a method of making payment using various cards instead of cash is widely known. In particular, debit payment, which allows immediate payment, is expected to spread rapidly in the future.

This debit payment is generally performed by a host device such as a host computer of a financial institution such as a bank and a POS (Point of Point) which is a product sales data processing device installed in a store.
Sales: Point-of-sale management) A debit payment device such as a terminal or card processing terminal is connected via a network, and the payment is immediately deducted from the deposit account using the bank's cash card (bank card) and the payment is made. The money is deposited in the designated account of the member store.

Therefore, this debit payment is not overused for the user because he / she can shop within the range of the deposit balance, and ATM (Automated Teller M
achine: It has the merit that it saves the trouble of withdrawing cash from automatic teller machine / payment machine, etc. and does not require any fee. Further, for the member stores, there are advantages that the handling cost of cash can be suppressed, and the price can be collected more efficiently than the credit.

[0005]

However, in the conventional debit payment, the payment availability inquiry, which is a comparison between the account balance and the product price, is performed each time the payment is made, but the balance inquiry is performed before the payment. I couldn't. In this way, if it is not possible to confirm the deposit balance deposited at a financial institution before debit payment, when using debit payment for multiple purchases, it is possible to make debit payment for the first purchase. However, at the time of the second shopping, there was a problem that debit settlement could not be done due to insufficient deposit balance.

[0006] An object of the present invention is to make it possible to inquire the balance before settlement, so that it is possible to carry out shopping after knowing the balance of the deposits deposited with the financial institution in advance, thereby improving convenience. It is to provide a debit payment device, a host device, a debit payment system and a program capable of performing the above.

[0007] An object of the present invention is to allow a customer who devoted himself only to inquiring about a balance, not for shopping, to withdraw a predetermined fee from the deposit balance, thereby reducing the burden on the debit settlement member store. A debit payment device, a host device, a debit payment system, and a program capable of performing the same.

[0008]

A debit settlement apparatus according to the present invention is connected to a host apparatus for storing the balance of deposits deposited in a financial institution in association with identification information, and the debit settlement is carried out. In the debit payment device used for, the identification information reading means for reading the identification information stored in the identification information storage medium, and the identification information read by the identification information reading means are stored in the host device in association with the identification information. Balance inquiry declaring means for declaring the inquiry of the deposit balance before debit settlement, and when the inquiry of the deposit balance is declared by the balance inquiry declaring means, the identification information read by the identification information reading means is used for the host. A deposit balance acquisition means for transmitting to the device and acquiring the deposit balance stored in the host device in association with the identification information; And a deposit balance display means for displaying before debit the account balance obtained by deposits acquisition means.

Therefore, when the inquiry about the deposit balance is declared by the balance inquiry declaration means before the debit settlement, the identification is made to the host device based on the identification information stored in the identification information storage medium read by the identification information reading means. The deposit balance stored in association with the information is acquired and displayed. As a result, it becomes possible to inquire the balance before settlement, so that it becomes possible to carry out shopping after knowing the balance of the deposits with the financial institution in advance, and it is possible to improve convenience.

According to a second aspect of the present invention, in the debit settlement apparatus according to the first aspect, when debit settlement is not executed after the deposit balance is displayed by the deposit balance display means, the identification information reading means reads the debit settlement. There is provided a fee withdrawing unit for transmitting, to the host device, the identification information thus obtained and information indicating that a predetermined fee is to be withdrawn from the deposit balance stored in the host device in association with the identification information.

Therefore, when the debit settlement is not executed after the deposit balance is displayed, the host device receives information indicating that a predetermined fee will be deducted from the deposit balance stored in the host device in association with the identification information. Sent to As a result, in the case of customers who only inquire about the balance without shopping, it is possible to deduct a predetermined fee from the deposit balance, and it is possible to reduce the burden on debit payment member stores. Become.

A host device according to a third aspect of the present invention is line-connected to a debit settlement device capable of reading identification information stored in an identification information storage medium, and identifies the balance of deposits deposited at a financial institution. In the host device that stores the information in association with the information, when the identification information accompanying the declaration of the inquiry of the deposit balance transmitted from the debit payment device is received before the debit payment, it is stored in association with the identification information. A deposit balance transmitting means for transmitting the deposit balance to the debit settlement apparatus is provided.

Therefore, since it becomes possible to inquire the balance before settlement, it becomes possible to carry out shopping after knowing the balance of the deposits with the financial institution in advance, and it is possible to improve the convenience. Become.

According to a fourth aspect of the invention, in the host apparatus according to the third aspect, a predetermined fee is deducted from the debit settlement apparatus from the identification information and the deposit balance stored in association with the identification information. When the information is received, a predetermined fee is deducted from the deposit balance stored in association with the identification information.

Therefore, in the case of a customer whose sole purpose is to inquire about the balance without shopping, the predetermined fee can be deducted from the deposit balance, and the burden on the debit settlement member store can be reduced. It will be possible.

A debit settlement system according to a fifth aspect of the present invention includes the debit settlement device according to the first aspect and the host device according to the third aspect.

Therefore, on the debit settlement apparatus side, when the inquiry of the deposit balance is declared by the balance inquiry declaration means before the debit settlement, the identification information stored in the identification information storage medium read by the identification information reading means becomes It is transmitted to the host device. On the other hand, on the host device side, the deposit balance stored in association with the identification information based on the identification information transmitted from the debit payment device is transmitted to the debit payment device. Then, in the debit settlement apparatus that has received the deposit balance, the deposit balance stored in the host device in association with the identification information is displayed. As a result, it becomes possible to inquire the balance before settlement, so that it becomes possible to carry out shopping after knowing the balance of the deposits with the financial institution in advance, and it is possible to improve convenience.

A debit settlement system according to a sixth aspect of the present invention includes the debit settlement device according to the second aspect and the host device according to the fourth aspect.

Therefore, in addition to the operation of the debit settlement system according to the fifth aspect of the present invention, on the debit settlement device side, when debit settlement is not executed after displaying the deposit balance, the debit settlement system is associated with the identification information. Information to the effect that a predetermined fee is deducted from the deposit balance stored in the host device is transmitted to the host device. On the other hand, when the host device receives the information indicating that a predetermined fee is to be deducted from the deposit balance stored in the host device in association with the identification information, it is stored in association with the identification information. A predetermined fee will be deducted from the deposit balance. As a result, in the case of customers who only inquire about the balance without shopping, it is possible to deduct a predetermined fee from the deposit balance, and it is possible to reduce the burden on debit payment member stores. Become.

The program according to the seventh aspect of the invention is provided in a debit settlement apparatus which is connected to a host apparatus for storing the balance of deposits deposited in a financial institution in association with identification information and used for debit settlement. A program for controlling a computer, which stores an identification information reading function for reading the identification information stored in an identification information storage medium, and the host device in association with the identification information read by the identification information reading function. A balance inquiry declaration function for declaring a deposit balance inquiry before debit settlement, and when a deposit balance inquiry is declared by this balance inquiry declaration function, the identification information read by the identification information reading means A deposit that is transmitted to the host device and acquires the deposit balance stored in the host device in association with the identification information. A balance acquisition function, to execute the deposit balance display function for displaying the account balance obtained by the deposit balance acquisition function before debit, to the computer.

Therefore, when the inquiry of the deposit balance is declared by the balance inquiry declaration function before the debit settlement, the host device is identified based on the identification information stored in the identification information storage medium read by the identification information reading function. The deposit balance stored in association with the information is acquired and displayed. As a result, it becomes possible to inquire the balance before settlement, so that it becomes possible to carry out shopping after knowing the balance of the deposits with the financial institution in advance, and it is possible to improve convenience.

According to the invention of claim 8, in the program according to claim 7, if debit settlement is not executed after the deposit balance is displayed by the deposit balance display function, it is read by the identification information reading function. Causes the computer to execute a fee withdrawal function for transmitting to the host device information for withdrawing a predetermined fee from the deposit information stored in the host device in association with the identification information and the identification information. .

Therefore, when the debit settlement is not executed after the deposit balance is displayed, information indicating that the predetermined fee is deducted from the deposit balance stored in the host device in association with the identification information is stored in the host device. Sent to As a result, in the case of customers who only inquire about the balance without shopping, it is possible to deduct a predetermined fee from the deposit balance, and it is possible to reduce the burden on debit payment member stores. Become.

[0024]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described with reference to FIGS. The present embodiment includes a pin pad that is a personal identification number input device and a card processing terminal that includes a magnetic card reader that reads information stored in a cash card (bank card) that is a magnetic card, and is used in a store. Apply to installed debit payment device,
This is an example of a debit payment system in which a host computer of a bank connected to the debit payment device by a network is applied to the host device.

Here, FIG. 1 is an external perspective view schematically showing the debit settlement apparatus. First, the card processing terminal 1 will be described. As shown in FIG. 1, on the right side when viewed from the operator side of the main body case 2 which is the housing of the card processing terminal 1,
A magnetic card reader having a slit-shaped reading groove 3 through which at least a magnetic stripe S (see FIG. 2) of a cash card C (see FIG. 2), which is an identification information storage medium, can be inserted and pulled out to the operator side. A section 4 is provided. The magnetic card reader unit 4 has a built-in magnetic card reader 10 (see FIG. 2) for reading data recorded on the magnetic stripe S of the cash card C. The data stored in the magnetic stripe S of the cash card C includes the account number (identification information) that is the unique information of the cash card, a predetermined personal identification number, and the like.

In addition, the card processing terminal 1 has a reading groove 3
A keyboard 5 in which various keys such as numerical keys are gathered from the operator side (downstream side in the card withdrawing direction) of the card processing terminal 1 toward the back side (upstream side with respect to the card withdrawing direction),
A display 6 having a thin and flat shape with an LCD (Liquid Crystal Display) and functioning as a display unit for displaying transaction contents, operation guidance, and the like, a thermal printer 7 (FIG. 2).
A printer cover 9 in which a receipt issuing port 8 for issuing a receipt (not shown) to be printed by the thermal printer 7 is provided in order. Further, the keyboard 5, the display 6, and the printer cover 9 form an ascending surface on the card processing terminal 1 from the operator side (downstream side in the card withdrawing direction) to the back side (upstream side with respect to the card withdrawing direction). .

The keyboard 5 has an external structure in which various keys such as a numeral key 5a from "0" to "9" for inputting an amount of money and a function key 5b are arranged for each block.

The display 6 is rotatably supported and is openable and closable with respect to the main body case 2. A paper storage unit (not shown) is provided below the display 6 for receiving and holding a receipt paper (not shown) which is a recording paper wound in a roll.

On the other hand, the pin pad 11 is a personal identification number input device for inputting a personal identification number determined for each cash card C, and the pin pad 11 is a display for displaying transaction contents, operation guidance, and the like. Display 12 which is a part, and "0" to "9" for inputting a personal identification number
A keyboard 13 in which various keys such as the numeric keys and the like are assembled, and a card reader / writer unit 14 for reading and writing various data with respect to an IC card (not shown) are provided.

Next, the electrical connection of each unit provided in the card processing terminal 1 will be described with reference to FIG. The card processing terminal 1 has a microcomputer (hereinafter referred to as a microcomputer) 15 built therein, and the microcomputer 15 controls various parts such as the keyboard 5, the display 6, the printer 7 and the magnetic card reader 10 described above with a bus line 16 and various controls. Drive control is performed via a circuit (not shown). Such a microcomputer 15 includes a CPU (Central Processing Unit) 17
In addition, a ROM (Read Only) which is a storage medium for storing fixed data such as a control program via the bus line 16.
Memory) 18 and R for rewritably storing various data
It is configured by connecting to an AM (Random Access Memory) 19. The RAM 19 is a battery B
Backed up by.

Further, the microcomputer 15 has a bus line 16
A communication I / F 20 is connected to the host computer (not shown) of the information processing center A via a WAN (Wide Area Network). The host computer can be connected to a host computer (not shown) of the bank B, which is a host device.

The host computer of the information processing center A and the host computer of the bank B are CPU (Cent
ral Processing Unit), ROM (Read Only Memor)
y), RAM (Random Access Memory), HDD (Hard
Disk Drive) etc. (none of them are shown), H
The CPU controls each unit based on a control program stored in the DD or the ROM. The HDD of the host computer of bank B stores the deposit balance in bank B in association with the account number which is the unique information of cash card C.

Further, an I / F 27 for transmitting / receiving data to / from the microcomputer 15 of the pin pad 11 (see FIG. 3) is connected to the microcomputer 15 via a bus line 16.

Next, the electrical connection of each part provided in the pin pad 11 will be described with reference to FIG. As shown in FIG. 3, a microcomputer 21 is built in the pin pad 11, and this microcomputer 21 is used for the display 12,
The respective components such as the keyboard 13 and the card reader / writer unit 14 are drive-controlled via the bus line 22 and various control circuits (not shown). The microcomputer 21 is configured by connecting a CPU 23, via a bus line 22, to a ROM 24 that is a storage medium that stores fixed data such as a control program in advance and a RAM 25 that rewritably stores variable data. ing. Further, an I / F 26 for transmitting / receiving data to / from the microcomputer 15 of the card processing terminal 1, for example, is connected to the microcomputer 21 via a bus line 22.

Here, the R built in the card processing terminal 1
The control program stored in the OM 18 is the microcomputer 15
The function to be executed by will be described. In the present embodiment, the description of the same processing as the processing performed by the conventional debit settlement apparatus will be omitted.

The flow of the debit settlement process of this embodiment will be described below. FIG. 4 is a flowchart schematically showing the flow of debit payment processing. In the debit settlement process, first, in step S1, the cash card C
It waits for acquisition of the data recorded on the magnetic stripe S.

The customer gives the cash card C to the operator, and the operator takes the cash card C to the card processing terminal 1.
When it is determined that the data recorded in the magnetic stripe S of the cash card C is acquired by inserting the card into the magnetic card reader 10 of FIG. 1 and scanning (Y of step S1: identification information reading means), card processing It waits for the input of the total sales amount from the keyboard 5 of the terminal 1 (Y in step S2) or the input of the correct personal identification number from the keyboard 13 of the pin pad 11 (Y in step S3).

When it is determined that the total sales amount is input from the keyboard 5 of the card processing terminal 1 (Y in step S2), the total sales amount data is transmitted to the pin pad 11, and the sales amount is displayed on the display 12 of the pin pad 11. The total amount is displayed (step S4).

In step S5, after the customer confirms the total sales amount displayed on the display 12, the customer waits until the correct personal identification number is input by operating the numeric keypad of the keyboard 13 of the pin pad 11. When it is determined that the number input by operating the numeric keypad of the keyboard 13 is the correct personal identification number recorded on the magnetic stripe S of the cash card C (Y in step S5), the total sales The information processing center A is inquired about the "debit payment information" such as the amount of money and the unique information of the cash card C (step S6), and the "debit authorization response message" transmitted from the information processing center A.
It waits for reception of (step S7).

The "debit authorization response message" transmitted from the information processing center A will be described. The “debit authorization response message” includes a field of information as to whether the debit payment is approved or unapproved, and the cash card C stored in the host computer of the bank B when the debit payment is approved. A field of “balance amount information”, which is information of a deposit balance after settlement in which the total sales amount is deducted from a deposit balance associated with an account number which is unique information, is provided. As for the information as to whether the debit payment is approved or unapproved, the “debit payment information” inquired in step S6 is transmitted to the bank B via the information processing center A,
It is determined by whether or not the total sales amount of the “debit payment information” 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 is within the range of the bank B deposit balance,
After the total sales amount is deducted from the deposit balance, the deposit balance after the withdrawal (after settlement) is updated and stored in the host computer of bank B, and the post-settlement deposit balance and the approval information are “debit authorization response message”. It is generated as "" and transmitted via the information processing center A. On the other hand, when the total sales amount is not within the range of the deposit 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.

When the "debit authorization response message" transmitted from the information processing center A is received (Y in step S7), the process proceeds to step S8, and the debit payment of the "debit authorization response message" is approved or not approved. Based on some information, it is determined whether the debit payment is approved. When it is determined that the debit payment is approved (Y in step S8), the display 6 of the card processing terminal 1 is displayed.
An "approval message" indicating that the debit payment has been made is displayed on the screen (step S9). On the other hand, when it is determined that the debit payment is not approved (N in step S8), another payment process is executed.

In subsequent step S10, a balance confirmation process is executed. Here, FIG. 5 is a flowchart schematically showing the flow of the balance confirmation processing. In the balance confirmation process, first, the card processing terminal 1 transmits "balance amount information" based on the "debit authorization response message" to the pin pad 11 (step S21), and the pin pad 11 side displays, for example, "balance" on the display 12. Do you want to confirm? ”
Such a "balance confirmation message" is displayed (step S22).

As described above, the customer decides whether or not to confirm the balance while the "balance confirmation message" is displayed on the display 12 of the pin pad 11. Is operated by operating a function key (not shown). That is, when the function key (not shown) representing YES is operated, it is determined that the intention to confirm the balance is given (Y in step S23), and the pin pad 11
The "balance amount" based on the "balance amount information" is displayed on the display 12 (step S24). The display of the "balance amount" on the display 12 is cleared when it is determined that the clear key (not shown) of the keyboard 13 is operated (Y in step S25) (step S2).
6).

On the other hand, when the function key (not shown) indicating NO is operated, it is determined that there is no intention to confirm the balance (N in step S23), and "" displayed on the display 12 is displayed. The balance confirmation message "is cleared (step S27).

The balance confirmation process (step S10) is completed by the above steps S21 to S26.

After the balance confirmation process (step S10) is completed, the thermal printer 7 of the card processing terminal 1 prints / issues a transaction receipt, an account withdrawal confirmation, etc. (step S11), and the debit settlement process is completed. To do. If it is determined in step S23 that the function key indicating YES has been operated to indicate the intention to confirm the balance (Y in step S23), the "balance amount" is printed on the transaction receipt. It

On the other hand, in step S3, it is determined that the number input by operating the numeric keypad of the keyboard 13 is the correct personal identification number that matches the personal identification number recorded on the magnetic stripe S of the cash card C. (Y in step S3: balance inquiry declaration means) and the information processing center A is inquired about "debit balance confirmation information" such as the account number which is the unique information of the cash card C (step S1).
2) Wait for reception of the "debit balance response message" transmitted from the information processing center A (step S13). The functions of the deposit balance acquisition means are executed by steps S12 to S13.

Here, the "debit balance response message" transmitted from the information processing center A will be described. The "debit balance response message" is provided with a field of "balance amount information" which is the deposit balance information associated with the account number which is the unique information of the cash card C stored in the host computer of the bank B. ing.

That is, the transmission of the "debit balance response message" from the host computer of the bank corresponds to the account number which is the unique information of the cash card C by the CPU of the host computer of the bank searching the HDD according to the control program. It is realized by deposit balance transmitting means for transmitting the attached and stored deposit balance information to the card processing terminal 1.

When the "debit balance response message" transmitted from the information processing center A is received (Y in step S13), the process proceeds to step S14, and the balance confirmation process (see FIG. 5) is executed. In the balance confirmation process, first, the card processing terminal 1 transmits "balance amount information" based on the "debit balance response message" to the pin pad 11 (step S
21), on the pin pad 11 side, a "balance confirmation message" such as "Are you sure to confirm the balance?" Is displayed on the display 12 (step S22).

In this way, the customer decides whether or not to confirm the balance while the "balance confirmation message" is displayed on the display 12 of the pin pad 11. This intention is expressed by the keyboard 13 of the pin pad 11. Is operated by operating a function key (not shown). That is, when the function key (not shown) representing YES is operated, it is determined that the intention to confirm the balance is given (Y in step S23), and the pin pad 11
The "balance amount" based on the "balance amount information" is displayed on the display 12 (step S24). Here, the function of the deposit balance display means is executed. This display 12
The display of the "balance amount" at is cleared when it is determined that the clear key (not shown) of the keyboard 13 is operated (Y at step S25) (step S26).

On the other hand, when the function key (not shown) indicating NO is operated, it is determined that there is no intention to confirm the balance (N in step S23), and "" displayed on the display 12 is displayed. The balance confirmation message "is cleared (step S27).

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

After that, the keyboard 5 of the card processing terminal 1
To wait for the input of the total sales amount (Y in step S15) or the operation of the function key 5b indicating the end of the processing of the keyboard 5 of the card processing terminal 1 (Y in step S16).

When it is determined that the total sales amount has been input from the keyboard 5 of the card processing terminal 1 (Y in step S15), the process returns to step S4 and the above-described processing is executed.

When the function key 5b indicating the end of processing of the keyboard 5 of the card processing terminal 1 is operated (Y in step S16), the customer can use only the balance inquiry without purchasing the merchandise. Therefore, in order to withdraw the balance inquiry fee (including communication costs, etc.) from the bank account, the "commission withdrawal information", which is the information indicating that the predetermined fee including the account number, which is the unique information of the cash card C, will be withdrawn After inquiring to the information processing center A (step S17: fee withdrawal means), after receiving the "charge withdrawal response message" transmitted from the information processing center A (step S1)
8), the thermal printer 7 of the card processing terminal 1 prints and issues an account withdrawal confirmation or the like (step S1).
9), the process ends.

In the host computer of the bank that has received the "charge withdrawal information", the CPU of the host computer of the bank searches the HDD according to the control program and associates it with the account number which is the unique information of the cash card C. The processing for deducting the balance inquiry fee (including communication cost etc.) from the stored deposit balance information is executed.

On the debit settlement apparatus side, when the inquiry of the deposit balance is declared before the debit settlement, the account number, which is the identification information stored in the read cash card C, is transmitted to the host apparatus. To be done. On the other hand, on the host device side, the deposit balance stored in association with the account number based on the account number transmitted from the debit settlement device is transmitted to the debit settlement device. Then, in the debit settlement apparatus that has received the deposit balance, the deposit balance stored in the host device in association with the account number is displayed. As a result, it becomes possible to inquire the balance before settlement, so that it becomes possible to carry out shopping after knowing the balance of the deposits with the financial institution in advance, and it is possible to improve convenience.

On the debit settlement apparatus side, if the debit settlement is not executed after the deposit balance is displayed, a predetermined fee is deducted from the deposit balance stored in the host device in association with the account number. Information is transmitted to the host device. On the other hand, on the host device side,
When the information indicating that a predetermined fee is deducted from the deposit balance stored in the host device in association with the account number is received, the predetermined fee is deducted from the deposit balance stored in association with the account number. Be withdrawn. As a result, in the case of customers who only inquire about the balance without shopping, it is possible to deduct a predetermined fee from the deposit balance, and it is possible to reduce the burden on debit payment member stores. Become.

In this embodiment, when the correct personal identification number is input before the total sales amount is input to the card processing terminal 1, the inquiry of the deposit balance stored in the host device is declared before the debit settlement. However, the present invention is not limited to this, and the second personal identification number different from the normal personal identification number may be used to execute the function of the balance inquiry declarative means. ,
The function of the balance inquiry declaration means may be executed by using a predetermined function key 5b of the keyboard 5 of the card processing terminal 1 or a predetermined function key of the keyboard 13 of the pin pad 11.

In the present embodiment, the debit payment device is composed of the card processing terminal 1 and the pin pad 11, but the present invention is not limited to this, and a POS terminal equipped with a pin pad is applied to the debit payment device. Is also good. In this case, the total sales amount may be acquired by the sales process in the POS terminal.

Further, in the present embodiment, the host computer of the bank B is used as the host device, but the host computer of the information processing center A is not limited to this, and the function as the host device may be provided. May be.

Further, although the cash card C, which is a magnetic card, is applied as the identification information storage medium in the present embodiment, the present invention is not limited to this, and it may be constituted by an IC card having an IC chip. . However, in that case, it goes without saying that the card reader also needs to be compatible with the IC card.

Further, in the present embodiment, the control program is stored in the ROM 18 built in the card processing terminal 1, but the present invention is not limited to this, and the CD-ROM is not limited to this.
Various types of media such as various types of optical discs such as or DVD-ROM, various types of magneto-optical discs, various types of magnetic discs such as floppy (registered trademark) discs, and semiconductor memories may be used as the storage medium. In addition, CD-
Various optical discs such as ROM and DVD-ROM, various magnetic discs such as magneto-optical discs, floppy discs, etc. are not fixedly provided in the card processing terminal 1 and are used as exchangeable storage media that can be handled individually. Various types of processing can be performed by reading the program by using various program reading devices (CD-ROM drive, etc.) that are suitable for each medium.

[0065]

According to the debit settlement apparatus of the invention described in claim 1, the debit settlement apparatus is connected to the host apparatus for storing the balance of the deposit deposited in the financial institution in association with the identification information and used for the debit settlement. In the debit settlement device, the identification information reading means for reading the identification information stored in the identification information storage medium, and the identification information read by the identification information reading means are stored in the host device in association with each other. Balance inquiry declaring means for declaring the inquiry of the deposit balance before debit settlement, and when the inquiry of the deposit balance is declared by the balance inquiry declaring means, the identification information read by the identification information reading means is sent to the host device. Deposit balance acquisition means for transmitting and acquiring a deposit balance stored in the host device in association with the identification information; A deposit balance display means for displaying the deposit balance acquired by the high acquisition means before the debit settlement, and when the inquiry of the deposit balance is declared by the balance inquiry declaration means before the debit settlement, the identification information reading means Based on the read identification information stored in the identification information storage medium, by obtaining and displaying the deposit balance stored in the host device in association with the identification information, the balance inquiry before settlement is possible. Therefore, it is possible to carry out shopping after knowing the balance of the deposits with the financial institution in advance, and to improve convenience.

According to the invention described in claim 2, in the debit settlement apparatus according to claim 1, when the debit settlement is not executed after the deposit balance is displayed by the deposit balance display means, the identification information reading means. A fee withdrawing means for transmitting, to the host device, the identification information and the information indicating that a predetermined fee is to be withdrawn from the deposit balance stored in the host device in association with the identification information. If the debit payment is not executed after displaying the deposit balance, the information indicating that the predetermined fee is deducted from the deposit balance stored in the host device in association with the identification information is transmitted to the host device. As a result, in the case of a customer whose sole purpose is to inquire about the balance, not for shopping, a prescribed fee may be deducted from the deposit balance. Since the cut, it is possible to reduce the burden of debit settlement member store.

According to the third aspect of the present invention, the host device is connected to the debit settlement device capable of reading the identification information stored in the identification information storage medium, and the balance of the deposits deposited at the financial institution is calculated. In the host device which stores the identification information in association with the identification information, when the identification information accompanying the declaration of the inquiry of the deposit balance transmitted from the debit settlement apparatus is received before the debit settlement, the host apparatus stores the identification information in association with the identification information. The deposit balance transmitting means for transmitting the stored deposit balance to the debit settlement device is provided, and the balance inquiry before settlement becomes possible. Therefore, after knowing the balance of the deposit deposited at the financial institution in advance, shopping is possible. It becomes possible to improve convenience.

According to the invention described in claim 4, in the host device according to claim 3, a predetermined fee is charged from the debit payment device from the identification information and the deposit balance stored in association with the identification information. When receiving information to withdraw, in the case of a customer who only inquires about the balance without shopping, by deducting a predetermined fee from the deposit balance stored in association with the identification information. Since a predetermined fee can be withdrawn from the deposit balance, the burden on the debit settlement member store can be reduced.

According to the debit settlement system of the invention described in claim 5, the debit settlement device according to claim 1 and the host device according to claim 3 are provided, and on the debit settlement device side, the balance before debit settlement. When the inquiry declaration means declares the inquiry of the deposit balance, the identification information stored in the identification information storage medium read by the identification information reading means is transmitted to the host device, while the host device side debits the payment. Based on the identification information transmitted from the device, the deposit balance stored in association with the identification information is transmitted to the debit settlement device. Then, in the debit settlement apparatus that has received the deposit balance, the deposit balance stored in the host device in association with the identification information is stored. As a result, it becomes possible to inquire the balance before settlement, so that it is possible to carry out shopping after knowing the balance of the deposits with the financial institution in advance, and it is possible to improve convenience.

According to the debit payment system of the invention described in claim 6, the debit payment system of claim 2 and the host device described in claim 4 are provided, and the debit payment system of the invention described in claim 5 is provided. In addition to the actions and effects, if the debit settlement device does not execute the debit settlement after displaying the deposit balance, a predetermined fee is charged from the deposit balance stored in the host device in association with the identification information. When the information indicating the withdrawal is transmitted to the host device, while the host device receives the information indicating that the predetermined fee is to be withdrawn from the deposit balance stored in the host device in association with the identification information. , By deducting a predetermined fee from the deposit balance stored in association with the identification information, the purpose is only for the inquiry of the balance without the purpose of shopping. In the case of the customer is, since it is possible to withdraw the prescribed fee from the deposit balance, it is possible to reduce the burden of debit settlement member store.

According to the program of the invention described in claim 7, a debit settlement apparatus connected to a host apparatus for storing the balance of deposits deposited in a financial institution in association with identification information and used for debit settlement. Which is a program for controlling a computer included in the identification information storage medium, the identification information reading function for reading the identification information, and the host device associated with the identification information read by the identification information reading function. A balance inquiry declaration function for declaring the inquiry of the deposit balance stored in the before the debit settlement, and when the inquiry of the deposit balance is declared by this balance inquiry declaration function, the identification information read by the identification information reading means To the host device and obtain the deposit balance stored in the host device in association with the identification information. A deposit balance acquisition function for displaying the deposit balance acquired by the deposit balance acquisition function before the debit settlement, and causing the computer to execute the deposit balance display function for displaying the deposit balance before the debit settlement. Is declared, the deposit balance stored in the host device in association with the identification information is acquired based on the identification information stored in the identification information storage medium read by the identification information reading means. By displaying, it becomes possible to inquire the balance before settlement, so that it is possible to carry out shopping after knowing in advance the balance of the deposits deposited with the financial institution, thus improving convenience.

According to the invention described in claim 8, in the program according to claim 7, when debit settlement is not executed after the deposit balance is displayed by the deposit balance display function, it is read by the identification information reading function. Causes the computer to execute a fee withdrawal function of transmitting, to the host device, the identification information and information indicating that a predetermined fee is to be withdrawn from the deposit balance stored in the host device in association with the identification information. If the debit payment is not executed after displaying the deposit balance, the information indicating that the predetermined fee is deducted from the deposit balance stored in the host device in association with the identification information is transmitted to the host device. Therefore, in the case of customers who only inquire about the balance without shopping, the prescribed fee will be deducted from the deposit balance. Since it is Succoth, it is possible to reduce the burden of debit settlement member store.

[Brief description of drawings]

FIG. 1 is an external perspective view schematically showing a debit payment device according to an embodiment of the present invention.

FIG. 2 is a block diagram showing electrical connection of each unit provided in the POS terminal.

FIG. 3 is a block diagram showing electrical connection of each part provided in the pin pad.

FIG. 4 is a flowchart schematically showing a flow of debit payment processing.

FIG. 5 is a flowchart schematically showing the flow of balance confirmation processing.

[Explanation of symbols]

1,11 Debit payment device C identification information storage medium

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G07D 9/00 451 G07G 1/12 321P G07G 1/12 321 ZEC ZEC 1/14 1/14 G06K 19/00 QF term (reference) 3E040 AA03 BA18 CA14 CB01 DA02 EA02 3E042 CC02 CD04 CE07 EA01 3E044 AA20 BA04 CA05 DA06 DB02 DE01 EA05 EA06 EB04 5B035 AA13 BB02 BC00 5B058 CA31 KA01 KA06 KA12 KA33 KA33

Claims (8)

[Claims] 1. A debit settlement device used for debit settlement, which is connected to a host device for storing the balance of deposits deposited at a financial institution in association with identification information and stored in an identification information storage medium. Identification information reading means for reading the identification information, and a balance inquiry declaration for declaring an inquiry of the deposit balance stored in the host device in association with the identification information read by the identification information reading means before debit settlement. Means for transmitting the identification information read by the identification information reading means to the host device when the inquiry about the deposit balance is declared by the means for declaring the balance, and the host device in association with the identification information. The deposit balance acquisition means for acquiring the deposit balance stored in the account, and the deposit balance acquired by the deposit balance acquisition means. Debit and wherein the deposit balance display means for displaying Tsu preparative pre-settlement, further comprising a. 2. When the debit settlement is not executed after the deposit balance display means displays the deposit balance, the host is associated with the identification information read by the identification information reading means and the identification information. 2. The debit settlement apparatus according to claim 1, further comprising: a fee withdrawing unit that transmits information indicating that a predetermined fee is deducted from a deposit balance stored in the apparatus to the host apparatus. 3. A host device which is connected to a debit settlement device capable of reading the identification information stored in the identification information storage medium and stores the balance of deposits deposited at a financial institution in association with the identification information. In, when the identification information accompanying the declaration of inquiry of the deposit balance transmitted from the debit settlement device is received before the debit settlement, the deposit balance stored in association with the identification information is stored in the debit settlement device. A host device comprising a deposit balance transmitting means for transmitting the deposit balance. 4. When the debit settlement device receives the identification information and the information indicating that a predetermined fee is deducted from the deposit balance stored in association with the identification information, the debit settlement device is associated with the identification information. 4. The host device according to claim 3, wherein a predetermined fee is deducted from the stored deposit balance. 5. The debit payment device according to claim 1, A host device according to claim 3; A debit payment system comprising: 6. A debit payment system comprising: the debit payment device according to claim 2; and the host device according to claim 4. 7. A program for controlling a computer provided in a debit settlement apparatus used for debit settlement, which is connected to a host apparatus for storing the balance of deposits deposited in a financial institution in association with identification information and used for debit settlement. An identification information reading function for reading the identification information stored in the identification information storage medium, and an inquiry of the deposit balance stored in the host device in association with the identification information read by the identification information reading function. A balance inquiry declaration function that is declared before debit settlement, and when a deposit balance inquiry function is declared by this balance inquiry declaration function, the identification information read by the identification information reading means is transmitted to the host device, and the identification is performed. A deposit balance acquisition function for acquiring the deposit balance stored in the host device in association with the information, and the deposit balance A program characterized by executing the account balance display function for displaying the account balance obtained by obtained feature before debit, to the computer. 8. When the debit settlement is not executed after the deposit balance is displayed by the deposit balance display function, the host is associated with the identification information read by the identification information reading function and the identification information. 8. The program according to claim 7, further comprising causing the computer to execute a fee withdrawal function of transmitting information indicating that a predetermined fee is deducted from the deposit balance stored in the apparatus to the host apparatus.