JP2003108894A - Charge payment system using prepaid card having card id and bar code information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system capable of preventing a prepaid card from being used unfairly. SOLUTION: This charge payment system uses a prepaid card having a card ID and a bar code information, whereby a customer is enabled to purchase a prepaid card 90 at a store 10 and pay the price for the commodity by the prepaid card 90. The system includes a register 30 for performing sales processing by connecting a bar code reader 40 for reading a bar code of a commodity, a payment agency service server 50 connected to the register 30 through a dedicated line for performing payment agency business, a contents provider 60 connected to the payment agency service server 50 through a dedicated line 52, and a terminal 80 connected to the contents provider 60 through the Internet 70.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card fee payment system, and more particularly to a prepaid card fee payment system for paying a fee using a prepaid card having a sealed card ID and barcode information.

[0002]

2. Description of the Related Art Conventionally, a charge payment system using this type of prepaid card is disclosed in, for example, Japanese Patent Laid-Open No. 11-2035.
Identification number (ID) as described in Japanese Patent No. 60
In a fee payment system using a prepaid card in which the code is encoded, there is a method of determining whether or not the prepaid card is legitimate, setting the prepaid card in an usable / unusable state, and paying the price.

Generally, when shopping at a store on the Internet or when wanting to receive service at the Internet store, it is necessary to pay a fee. Credit cards are commonly used for this payment. There is a possibility that the customer's credit card information will be leaked due to security problems on the server of the store on the Internet, so some customers do not want to pay by credit card.

[0004] Further, there are some customers who want to use the service anonymously when receiving the service on the Internet store. On the other hand, on the store side, in order to collect the fee surely,
It is difficult to provide services anonymously.

For these customers and internet stores,
A payment agent system using a prepaid card is effective.

The payment agent system using a prepaid card according to the present invention can realize a prepaid card with an inexpensive paper card such as a scratch card without using an expensive IC card, and illegally cooperates with a payment agent service server. It is characterized by being able to prevent the use of prepaid cards.

[0007]

In a fee payment system using a prepaid card having a card ID and bar code information of this type, an expensive IC card or the like is not used, but the bar code and the card hidden at the time of sale. A prepaid card with ID information can be used to make a payment to an internet store.

Further, in this fee payment system, at the store, the fee information paid when the prepaid card is purchased is registered by the bar code on the prepaid card, and when the payment using the prepaid card is made,
The card ID hidden at the time of selling the card and the card enable ID issued at the time of selling are used.

Therefore, even if only the card is illegally acquired, the enable ID cannot be obtained, so that this card cannot be used. In addition, since the card ID is concealed at the store and is passed to the customer, it is possible to prevent the card ID from being obtained by a clerk or a nearby customer from stealing.

[0010]

A first embodiment of the present invention is characterized in that a prepaid card having a card ID and bar code information in a hidden state at the time of sale of the prepaid card is issued. We provide a fee payment system using a prepaid card with ID and barcode information.

The first embodiment of the present invention is characterized in that a prepaid card having a hidden card ID and bar code information is issued at the time of sale of the prepaid card, and is issued to a card enable ID at the time of sale. A prepaid card fee payment system having a card ID and barcode information according to claim 1.

According to the first embodiment of the present invention, the card information on the prepaid card is registered by the bar code on the prepaid card for registering the fee information paid at the time of purchasing the prepaid card. We provide a fee payment system using a prepaid card with barcode information.

The second embodiment of the present invention is characterized in that when paying for a product, the card ID hidden at the time of selling the card and the card enable ID issued at the time of selling are used. The card ID according to claim 2
We provide a fee payment system using a prepaid card with barcode information.

In the third embodiment of the present invention, a bar code reader for reading a bar code of a product is connected to a store having a register for sales processing, and a payment agency connected to the register via a dedicated line. A payment agent service server for performing business, and a content provider connected to the payment agent service server via a dedicated line,
A prepaid card having a card ID and bar code information, characterized in that the store issues a prepaid card having a hidden card ID and bar code information, the terminal being connected to the content provider via the Internet. To provide a fee payment system.

In a fourth embodiment of the present invention, a bar code reader for reading a bar code of a product is connected to a store having a register for sales processing, and a payment agency connected to the register via a dedicated line. A payment agent service server for performing business, and a content provider connected to the payment agent service server via a dedicated line,
A terminal connected to the content provider via the Internet, the payment agent service server has a table storing a card ID, a card enable ID, bar code information and amount information, and has a card ID and bar code information. A fee payment system using a prepaid card having a card ID and bar code information, which is characterized in that the validity of the prepaid card is determined and the fee is paid.

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION Next, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 shows a first embodiment of the present invention. Figure 1
Referring to the first embodiment of the present invention, a customer
0 is a prepaid card 90 that can purchase a prepaid card 90 and pay the price of a product by the prepaid card 90. A bar code reader 40 for reading a bar code is connected to perform a sales process, a payment agency service server 50 connected to the register 30 via a dedicated line 51 to perform a payment agency business, and the payment agency service server. A content provider 60 connected to the content provider 50 via a dedicated line 52 and a terminal 80 connected to the content provider 60 via the Internet 70 are included.

The store 10 is a store that actually exists, such as a convenience store. There is a register 30 for selling processing. The register 30 can be connected to a barcode reader 40 to read a barcode of a product and perform a sales process.

The register 30 is connected to the payment agent service server 50 via a dedicated line 51.

The payment agent service server 50 is connected to the content provider 60 via a dedicated line 52.

The content provider 60 is connected to the Internet 70 and provides a paid service to customers on the Internet.

The terminal 80 is a personal computer used by the customer 20 at home or the like to access the Internet. The customer 20 can receive information from the Internet 70 via the terminal 80.

The customer 20 purchases a prepaid card at the store 10 and pays the prepaid card deposit (S
23), receive the prepaid card 90 and the enabling ID (S32).

When the prepaid card is sold at the store 10, the bar code data 91 on the prepaid card is read by the bar code reader 40 and transferred to the register 30. The register 30 transmits the bar code data 91 on the prepaid card 90 and the charge information of the charge paid by the customer 20 to the payment service surrogate server 50 (S35).

The payment service surrogate server 50 receives the bar code data 91 and the charge information transmitted from the cash register, stores the same, and issues a card nabling ID (S53).

At the store 10, the customer receives the prepaid card 90 and the card enabling ID in exchange for the paid card purchase fee (S23) (S3).
2). When the customer 20 uses the terminal 80 to access the Internet 70 and needs to pay the fee in order to receive the service provided by the content provider 60, the customer 20 uses the prepaid card obtained at the store 10. The card ID and enabling ID are transmitted to the Internet 70 as encrypted information (S87).

The content provider 60 decrypts the encrypted card ID and enabling ID (S76) received via the Internet, and uses this information to transmit payment request information to the payment agent service server 50 (S65). .

The payment agent service server 50 accepts the payment request information from the content provider 60, refers to the card ID and the card enable ID included in the request information, and determines that the ID is legitimately acquired. In this case, the fee is remitted to the content provider 60 (S56).

After confirming the remittance, the content provider 60 provides the information service to the customer who paid with the corresponding card ID (S67). The information service is transmitted to the terminal 80 via the Internet 70 (S78), and the customer 20 can receive the information service (S82).

FIG. 2 shows a prepaid card 90 used in this service. In FIG. 2, the card 90
Includes the barcode information 11 and the card ID 13 information hidden by the sticker 92. Prepaid card 90a
Shows a state where the sticker 92 of the prepaid card 90 has been peeled off and the card ID 93 can be referred to. The state of the seal 92 of the prepaid card is irreversible, and once the seal is peeled off like the scratch portion of the scratch card, it cannot be made into the sealed state again.

Immediately after being sold at the store 10, the prepaid card 90 is in the state. When the customer 20 pays for receiving the service of the content provider 60, the sticker 92 is peeled off and the card ID 93 is used.

The table of FIG. 3 shows information about the charge information 95, the card ID 93, the card enable ID 94, and the bar code data 91 stored in the payment agent service server 50. There is a one-to-one correspondence between the information recorded in the prepaid card barcode data 91 written on the prepaid card 90 and the card ID. The payment agent server 50 calculates the card ID from the received card barcode data, and The fee information table 10 in the table of FIG. 3 shows the card enable ID issued by the company, fee information paid for the card, and correlation information of each card ID.
Store in 0.

Next, the operation of the system according to the present invention will be described with reference to the drawings.

The customer 20 stores the prepaid card 90 in the store 1
The case of purchasing at 0 stores will be described.

The customer 20 has a prepaid card 90 at the store.
And pay the prepaid card fee (S23).
As a prepaid card fee, customers can pay the amount they want.

The store clerk reads the bar code data 91 on the prepaid card 90 with the bar code reader 40 connected to the register 30, and inputs the amount paid by the customer into the register 30.

The register 30 transmits the prepaid card bar code data read from the bar code reader 40 and the payment fee information for the prepaid card entered by the clerk to the payment agent service server 50 via the dedicated line 51 (S35). ).

The payment agent service server 50 records the prepaid card barcode data and the charge information transmitted from the register 30, and immediately after receiving the data, immediately confirms that the prepaid card barcode data and the charge information are legally accepted. The card enable ID shown is issued and transmitted to the register 30 (S53).

The register 30 records the received card enable ID and the amount of money paid by the customer 20 as a prepaid card fee in a receipt issued by itself.

The customer 20 receives the card enable ID described in the receipt issued by the register due to the payment of the prepaid card fee, and the prepaid card (S32).

Information recorded in the prepaid card bar code data 91 written on the prepaid card 90,
Card IDs have a one-to-one correspondence.

The payment agent service server 50 calculates the card ID from the card barcode data received from the register 30, and the card enable ID, the card ID calculated from the card barcode data, and the card ID in advance when the card is purchased. Figure 3 shows the fee information paid
It is stored as the charge information table 100 in the table.

The above is the sequence for purchasing a prepaid card.

The following is a description of using a prepaid card.

When the customer 20 uses the terminal 80 to connect to the Internet 70 and uses the paid service provided by the content provider 60, the customer 20 first peels off the sticker 92 of the prepaid card 90, and then the card ID 9
3 can be referred to.

Next, the WE of the content provider 60
On the charge payment screen on B, register the card ID and the card enable ID. For information on payment of fees,
Generally, security protection is applied, and it is designed so that it cannot be sniffed on the Internet.

The card enable ID and the card ID registered by the user are stored as protected information on the Internet 7.
Sent to 0. The content provider 60 receives the card enable ID and the card ID as protected information (S76).

Next, the content provider 60 uses the leased line 52 and uses the card ID and the card enable ID.
Then, the fee payment request information including the payment request amount information is transmitted (S65).

The payment agent service server 50 accepts the fee payment request information, and uses the card ID included in the fee payment request information to use the fee information table 1 in the table of FIG.
Refer to 00. Card I corresponding to the charge information table
If there is a D, then refer to the card enable ID,
Determine whether it is a legitimate user. Card enable ID
And the card ID match, the amount of money stored in the charge information table is referred to, the required amount of money is subtracted therefrom, and the money is remitted via the dedicated line 52 (S56).

The content provider 60 sends money (S5
After confirming 6), the information service (S67) is provided.
The information service provided via the Internet 70 is sent to the terminal 80 (S78), and the customer 20 can receive the information provided from the terminal 80 (S82).

Next, the case where the prepaid card is illegally acquired will be described.

When the prepaid card 90 before being registered in the register 30 of the store 10 is illegally acquired, the prepaid card barcode data is stored in the charge information table 100 (table of FIG. 3) included in the payment agent service server 50. Content provider 60 because it is not registered
Therefore, even if there is a payment request, it is determined to be invalid.

If only the prepaid card is illegally acquired after registering the register 30 of the store 10, the payment proxy service server fails the authentication because there is no appropriate card enable ID, and the payment is not made.

If the prepaid card bar code data is electronically skimmed at the time of registering the register 30 of the store 10 and the card enabling ID information is also stolen, the prepaid card bar code data is required at the time of payment to the content provider. Since the card ID is different from the above, the payment is not made because the authentication at the payment agent service server fails.

When the customer purchases the prepaid card at the store 10, the card ID is hidden by a sticker, so that the card ID will not be acquired by a clerk of the store or a person in the surrounding area.

[0056]

As described above, the present invention realizes a prepaid card with an inexpensive paper card such as a scratch card without using an expensive IC card, and at the same time cooperates with a payment agent service server. A payment agent system characterized by being able to prevent illegal use of prepaid cards is obtained.

[Brief description of drawings]

FIG. 1 is a diagram showing a charge payment system using a prepaid card having a card ID and bar code information, which is a first embodiment of the present invention.

FIG. 2 is a diagram showing a prepaid card used in the first embodiment of the present invention.

FIG. 3 is a diagram showing a table showing fee information and the like in the first embodiment of the present invention.

[Explanation of symbols]

10 stores 20 customers 30 registers 40 bar code reader 50 Payment agent service server 60 content providers 70 Internet 80 terminals 90, 90a prepaid card 100 price information table

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06K 17/00 G06K 17/00 RS 19/00 G07G 1/00 311E 19/06 1/12 321P 19 / 08 G06K 19/00 R 19/10 A G07G 1/00 311 U 1/12 321 F

Claims (6)

[Claims] 1. A fee payment system using a prepaid card having a card ID and bar code information, which issues a prepaid card having a card ID and bar code information hidden at the time of selling the prepaid card. 2. A prepaid card having a card ID and bar code information that is hidden when the prepaid card is sold is issued, and a card enable ID is issued at the time of sales.
The card ID according to claim 1, which is issued to
Payment system with prepaid card with and barcode information. 3. The card ID according to claim 1, wherein the charge information paid at the time of purchasing the prepaid card is registered by a bar code on the prepaid card.
Payment system with prepaid card with and barcode information. 4. The card ID according to claim 2, wherein the payment of the product is performed by using a card ID hidden at the time of selling the card and a card enable ID issued at the time of selling. A payment system using a prepaid card with barcode information. 5. A store having a register for performing a sales process by connecting a bar code reader for reading a bar code of a product, and a payment agency service server for performing a payment agency business connected to the register through a dedicated line. A prepaid card including a content provider connected to the payment agent service server via a dedicated line and a terminal connected to the content provider via the Internet, wherein the store has a hidden card ID and bar code information. Is a prepaid card fee payment system having a card ID and bar code information. 6. A bar code reader for reading a bar code of a product is connected to the store, which has a register for sales processing, and a payment agent service server which is connected to the register via a dedicated line and performs a payment agent service. The payment agent service server includes a content provider connected via a dedicated line and a terminal connected to the content provider via the Internet. The payment agent service server includes a card ID, a card enable ID, and barcode information. A payment system using a prepaid card having a card ID and barcode information, characterized in that it has a table for storing information on the amount of money and money, and judges the legitimacy of the prepaid card having the card ID and barcode information and pays the fee. .