JP2004355486A - Multi-functional ic card and ic card terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a multi-functional IC card capable of off-line settlement without accessing information about normal outstanding balance of a Debit card function and normal available amount of a credit card function. <P>SOLUTION: In the multi-functional IC card 100 for integrating a plurality of card functions, an off-line outstanding balance 211 for the Debit card function and an off-line outstanding balance 212 for the credit card function are stored. When a settlement amount is received from an IC card terminal, a CPU 201 compares it with the off-line outstanding balance 211 for the Debit card function or the off-line outstanding balance 212 for the credit card function and executes a settlement process with the off-line balance if it can be settled. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a multifunctional IC card in which a plurality of card functions are integrated, and more particularly to a technique for utilizing a debit card function and a credit card function in an offline state.
[0002]
[Prior art]
Generally, when making a payment using a debit card or a credit card, a card reader reads a card number or the like stored in the card, and compares the read card number with the payment amount entered from a keyboard. Online payments have been made by transmitting in real time to the computer of the card company.
[0003]
By the way, when a user purchases a product with electronic money, a combined use method of electronic money and debit payment that can be settled within a predetermined range even if the balance of electronic money is insufficient has been proposed ( For example, Patent Document 1).
[0004]
[Patent Document 1]
JP 2001-266030 A [Problems to be Solved by the Invention]
However, according to the above-described related art, there are cases where the credit card function and the debit card function cannot be used when the communication line is faulty or the computer of the card company is down.
[0005]
In particular, with regard to the debit card function, since the balance of a settlement account such as a bank is checked in real time to determine whether or not the transaction price can be paid, there is a problem that no transaction can be performed in an offline state.
[0006]
For example, there is a disadvantage that a card user cannot purchase a product and a store loses a business opportunity.
[0007]
For credit cards, it is also possible to make a classic transaction using embossing on the card and carbon paper, but in that case, make sure that the payment amount is within the credit card usage limit. It is necessary to check with the card company over the telephone, which is inconvenient for both card users and stores.
[0008]
By the way, apart from the above-mentioned system failure, it is sometimes desirable to settle in a very short time, such as at an entrance payment window, a ticket gate, a kiosk, or a busy store. In such a case, if an online payment requiring extra access time to the center or the like was performed, it was not possible to respond to a large number of customers in a short time, and there was a possibility that sales might be affected.
[0009]
Therefore, an object of the present invention is to solve such a problem.
[0010]
[Means for Solving the Problems]
According to the present invention, there is provided a multifunctional IC card having at least a credit card function and a debit card function, wherein the first card processing device for using the debit card function or the second card processing device for using the credit card function. A communication circuit for communicating with the first card processing device, and a first storage circuit for storing an off-line settlement balance for a debit card function, which is a limit amount for settlement between the first card processing device and the multi-function IC card. A second storage circuit for storing an off-line payment balance for a credit card function, which is a limit amount that can be settled between the second card processing device and the multi-function IC card, and the card processing via the communication circuit. The offline settlement balance for the debit card function and the credit based on the payment amount information transmitted from the device. Multifunctional IC card and a control circuit for controlling so as to update at least one of offline payment balances for Tokado functions are provided.
[0011]
By configuring the multifunctional IC card in this way, it is possible to perform offline payment using the debit card function or the credit card function in either the connection state or the non-connection state with the center-side payment device. It becomes.
[0012]
BEST MODE FOR CARRYING OUT THE INVENTION
An embodiment of the present invention will be described below. Of course, the following embodiments are merely subordinate concepts of the present invention disclosed as superordinate concepts. That is, the following embodiments are only some of the embodiments included in the technical scope of the present invention defined by the claims. Therefore, if the invention is a superordinate concept disclosed in the specification or the drawings of the present application and has the same technical idea as the invention described in the claims, it is directly described in the specification or the drawings of the present application. Even embodiments that do not include the present invention are included in the technical scope of the present invention.
[0013]
It is to be noted that not all inventions of lower concepts described in the following embodiments are described in the claims. However, it should be understood that this is not consciously excluded from the technical scope of the patented invention, but is not described in the claims because it is equivalent to the patented invention.
[0014]
FIG. 1 is a diagram illustrating an example of a multi-function IC card system according to the present embodiment. The multi-function IC card 100 includes at least a debit card function and a credit card function. In addition, cash card function, electronic money card function, commuter pass function of public transportation, mileage card function, personal registration card function of Basic Resident Register, house card function provided by the distribution industry such as convenience store, department store or supermarket One or more functions such as a point card function and the like may be integrated.
[0015]
IC card reader / writer terminal devices (referred to as IC card terminals) 110 and 112 transmit / receive various information to / from the multi-function IC card 100, execute read / write processing, and execute a debit card settlement server via a communication network. 120 and a terminal device that communicates with the credit card settlement server 122 and executes various settlement processes.
[0016]
The debit card payment server 120 stores information on a David payment account for each card user, and reduces the balance of the corresponding payment account in response to a payment request transmitted from the IC card terminals 110 and 112. It is a computer.
[0017]
The credit card settlement server 122 stores information on the credit settlement account for each card user, and adds a payment amount to a corresponding settlement account in response to a settlement request transmitted from the IC card terminals 110 and 112. Computer.
[0018]
FIG. 2 is a block diagram of the multifunctional IC card according to the present embodiment. The CPU 201 is a central processing unit that controls each unit in the multi-function IC card 100 according to a control program. For example, the control program includes an offline processing program according to a flowchart described later. The RAM 202 is a storage device that stores a work area and various data necessary for executing the control program. The mask ROM 203 is a storage device for storing a control program and various data. The EEPROM 204 is a rewritable storage device that stores a balance 211 for debit, a balance 212 for credit, a permission flag 213, priority information 214, and the like. The EEPROM 204 may be replaced with a flash memory or the like. The communication interface 207 is a communication (card) interface for communicating with the IC card terminal 110 and the like. The communication IF 207 has at least one of a contactless interface and a contact interface.
[0019]
FIG. 3 is a block diagram of the IC card reader / writer terminal device according to the present embodiment. The CPU 301 is a central processing unit that executes control based on a computer program stored in the ROM 303. For example, the control program includes an offline processing program according to a flowchart described later. The RAM 302 is a volatile storage device that stores data and the like. The ROM 303 is a storage device such as a non-rewritable mask ROM and a rewritable EEPROM. The display device 304 is a display for displaying a result of communication with the multi-function IC card 100 and the like. The operation unit 305 is an input device such as a touch panel device or a numeric keypad. The communication interface 307 is a communication circuit for connecting to the servers 120 to 122 and the like. A card (communication) interface 308 reads data from a magnetic stripe mounted on the multi-function IC card 100, reads data from a magnetic card device for writing data to the magnetic stripe, and reads data from a connection terminal of a contact IC card. And at least one of a contact-type reader / writer for reading and writing, and a non-contact reader / writer for reading and writing data by performing wireless communication with a non-contact type IC card. .
[0020]
Note that the IC card terminal 110 may be integrated with an accounting device such as a POS system. The IC card terminal 110 may be, for example, a local IC card system including a plurality of card reader / writer devices and a host device. In this case, communication with various settlement servers will be executed via the host device.
[0021]
FIG. 4 is a flowchart of an offline payment process in the IC card reader / writer terminal device according to the present embodiment.
[0022]
In step S400, the CPU 301 of the IC card terminal 110 controls the card IF 308 to communicate with the IC card 100, and receives various information stored in the IC card 100.
[0023]
In step S402, the CPU 301 determines whether to execute offline payment. For example, the communication IF 307 may be controlled to test the state of communication with the settlement server 120 or 122 to determine whether the communication server is offline. Alternatively, the CPU 301 displays a message for inquiring whether to make an offline payment or an online payment on the display device 304, and determines whether the card user desires the offline payment according to an operation signal from the operation unit 305. May be. If it is determined that online payment is to be executed, the process proceeds to step S490, and normal online payment is executed. On the other hand, if it is determined that the payment is offline, the process proceeds to step S404.
[0024]
In step S404, the CPU 301 determines whether to pay using the off-line balance for debit or the off-line balance for credit. For example, the CPU 301 displays a message for inquiring whether it is debit or credit on the display device 304, and can determine which one is in response to an operation signal from the operation unit 305. Alternatively, it may be determined whether payment by the debit function can be executed based on the permission flag 213 received from the IC card 100. If the result of the determination is that the payment is a credit offline payment, the flow proceeds to step S426, where the CPU 301 creates a credit offline payment request including the payment amount, and controls the card IF 308 to transmit the payment request to the IC card 100. I do. On the other hand, if the payment is offline debit, the process proceeds to step S406.
[0025]
In step S406, the CPU 301 creates a debit offline payment request including the payment amount, controls the card IF 308, and transmits the payment request to the IC card 100.
[0026]
In step S408, CPU 301 determines whether or not information indicating that the update of the offline balance has been completed has been received from IC card 100. If the completion report has been received, the process proceeds to step S410. If a report regarding the balance shortage has been received, the process advances to step S428 to execute error processing. For example, a message indicating insufficient balance is displayed on the display device 304.
[0027]
In step S410, the CPU 301 creates payment data addressed to the payment server 120 or 122. The payment data includes, for example, a payment amount by offline payment, information on card identification information, and the like.
[0028]
In step S412, the CPU 301 determines whether it is time to transmit payment data to the payment server 120 or 122. For example, a periodic transmission time may be determined in advance, and the determination may be made by comparing with a timer value. Alternatively, the communication IF 307 may be tested again so that the IC terminal device 110 and the settlement server 120 can communicate with each other. It may be determined whether or not it has returned.
[0029]
In step S414, CPU 301 transmits the created payment data to the payment server, and ends the processing. The payment server creates and stores log data relating to the offline payment processing based on the received payment data.
[0030]
FIG. 5 is a flowchart of the offline payment processing in the IC card according to the present embodiment.
[0031]
In step S <b> 500, the CPU 201 reads the identification information that can identify the IC card stored in the EEPROM 204, and transmits the read identification information to the IC card terminal 110 via the communication interface 207.
[0032]
In step S502, the CPU 201 receives the payment request transmitted from the IC card terminal 110 via the communication IF 207.
[0033]
In step S504, the CPU 201 determines whether the received payment request is for offline or online. If the payment is made offline, the process proceeds to step S506. Otherwise, the process proceeds to step S590, where the online processing is executed by the normal online.
[0034]
In step S506, the CPU 201 determines whether the payment request is an offline payment request by David or an offline payment request by credit. If the request is an offline payment request, the process proceeds to step S508; if the request is an offline payment request by credit, the process proceeds to step S528.
[0035]
In step S508, the CPU 201 reads the off-line balance data 211 for debit from the EEPROM 204, compares it with the payment amount included in the payment request, and determines whether payment is possible. If payment is possible, the process proceeds to step S510; otherwise, an error message indicating insufficient balance is transmitted to IC card terminal 110.
[0036]
In step S510, the CPU 201 performs a process of reducing the payment request amount from the read off-line balance, and writes the reduced balance in the EEPROM 204.
[0037]
In step S512, CPU 201 transmits a completion report indicating completion of updating the offline balance to IC card terminal 110, and ends the process.
[0038]
On the other hand, in the case of off-line payment by a credit card, in step S528, the CPU 201 reads the off-line balance data 212 for credit from the EEPROM 204, compares it with the payment amount included in the payment request, and determines whether payment is possible. I do. If payment is possible, the process proceeds to step S530; otherwise, an error message indicating insufficient balance is transmitted to IC card terminal 110.
[0039]
In step S530, the CPU 201 reduces the requested payment amount from the read off-line balance, and writes the reduced balance in the EEPROM 204.
[0040]
In step S532, the CPU 201 transmits a completion report indicating completion of updating the offline balance to the IC card terminal 110, and ends the processing.
[0041]
As described above, for example, when a communication line is abnormal or when it is desired to quickly execute card processing, offline settlement can be performed within a fixed or variable limit. Cardholders will benefit from faster payments compared to online payments. In addition, for a store or the like, there will be an advantage that it is easy to effectively enjoy business opportunities even when a communication line is abnormal or during a busy period.
[0042]
The offline balance is determined by a contract with the card user. For the credit card function, for example, a range that does not exceed the usage limit, such as reducing the usage limit to 1/5, may be preferable from the viewpoint of risk management.
[0043]
With respect to the debit card function, the settlement server 120 may control in advance that a fixed amount of the account balance is locked as an offline balance and cannot be used for payment for other purposes. Alternatively, when the account balance is less than the amount used offline, the settlement server 120 may process to automatically lend the shortage.
[0044]
FIG. 6 is a diagram illustrating an example of the permission flag 213 according to the present embodiment. In this example, a balance data presence / absence flag indicating whether a balance for offline debit or a balance for offline credit is stored in the EEPROM 204 of the IC card 110, and whether or not payment processing using the balance is enabled Are included as the permission flag 213. The valid / invalid flag is valid when the card user has subscribed to the settlement service based on the offline balance. If the contract has not been concluded or if the contract has been concluded but the use is to be temporarily suspended, it will be invalidated. Further, even when the offline balance is 0, the CPU 201 may be invalidated.
[0045]
This valid / invalid flag may be used, for example, in step S402. Specifically, the CPU 301 reads out the valid / invalid flag via the card IF 308, and can determine whether to pay online or offline according to the contents of the read flag. By pre-storing whether or not to use the offline payment method as setting information in the IC card in advance as described above, there is an advantage that it is possible to save the trouble of informing the clerk of the payment method every time the offline payment is made.
[0046]
FIG. 7 is a diagram illustrating an example of priority information for managing priorities and the like in offline payment according to the present embodiment.
[0047]
That is, the CPU 201 may execute the above-described offline payment process according to an operation mode set in advance from among a plurality of operation modes. In FIG. 7, an operation mode for executing offline settlement using only the offline settlement balance for the debit card function, an operation mode for executing offline settlement using only the offline settlement balance for the credit card function, and a debit card function Offline payment balance for credit card function has priority over offline payment balance for credit card function. Offline payment balance for credit card function has priority over offline payment balance for debit card function. Priority operation modes are illustrated. For example, in step S404, the CPU 301 of the IC card terminal 110 can determine which mode to execute the settlement based on the priority information 214 received from the IC card 100.
[0048]
In this way, by setting in advance what balance is to be preferentially used at the time of the offline payment, the offline payment can be executed more quickly than the method of having the user select every time the offline payment is made.
[0049]
The payment mode using only the credit card function offline payment balance or only the credit card function offline payment balance is as described with reference to FIGS. 4 and 5. On the other hand, the payment mode that preferentially uses the offline payment balance for the debit card function and the payment mode that preferentially uses the offline payment balance for the credit card function are very similar procedures, except that the priorities are reversed. Therefore, the former will be described in detail on behalf of both parties.
[0050]
FIG. 8 is a flowchart related to the offline payment process using the priority according to the present embodiment. In this example, as shown in FIG. 7, it is assumed that the IC card 100 is set to execute offline debit payment with priority over offline credit payment. Note that portions common to those in FIG. 5 are denoted by the same reference numerals, and redundant description is omitted.
[0051]
In step S508, when the CPU 201 determines that the offline settlement balance is insufficient by the debit function, the process proceeds to step S800.
[0052]
In step S800, the CPU 201 calculates a deficient amount from the difference between the offline settlement balance and the requested payment amount by the debit function.
[0053]
In step S802, the CPU 201 compares the offline balance by the credit function with the calculated shortage amount, and determines whether the shortage amount can be settled with the offline balance by the credit function. If payment is possible, the process proceeds to step S804. If payment is not possible, an error message indicating insufficient balance is transmitted to the IC card terminal 110.
[0054]
In step S804, the CPU 201 reduces the entire amount of the debit offline balance.
[0055]
In step S806, the CPU 201 performs a process of reducing the shortage amount from the credit offline balance.
[0056]
In step S808, the CPU 201 transmits a balance update completion report including the amount settled with the offline balance for debit and the amount settled with the offline balance for credit to the IC card terminal 110. The IC card terminal 110 transmits the settlement amount to both the debit card settlement server 120 and the credit card settlement server 122 based on the received balance update completion report.
[0057]
As described above, according to the present embodiment, since the offline payment method set in the IC card 100 in advance is used, the offline payment can be executed more quickly.
[0058]
Furthermore, if the offline payment balance due to the debit function is insufficient, the shortfall is compensated for from the offline payment balance using the credit card function, and if the offline payment balance due to the credit function is insufficient, the offline payment balance using the debit card function In order to make up for the shortfall, the card user can purchase products and the like by making effective use of the comprehensive asset value of the multifunctional IC card. For stores, the number of times customers can wait can be reduced, and business opportunities increase.
[0059]
Alternatively, if one of the offline balances is insufficient, the CPU 201 determines whether the entire amount can be paid from the other offline balance, and if possible, controls the CPU 201 to pay the full amount from the other offline balance. Good.
[0060]
Further, in the above-described embodiment, the offline payment method is selected based on a preset default priority, but the card user may desire another payment method. In such a case, a desired payment method may be selected from the operation unit 305, and the CPU 301 may transmit a payment request based on the selected payment method to the IC card 100. In this way, the wishes of the card user at that time can be reflected, and the flexibility of the offline processing system will be further increased.
[0061]
【The invention's effect】
According to the present invention, there is provided a multifunctional IC card which can be settled off-line without accessing information on a normal balance of a debit card function and a normal available amount of a credit card function.
[Brief description of the drawings]
FIG. 1 is a diagram for explaining an outline of an exemplary multifunctional IC card system according to an embodiment;
FIG. 2 is a block diagram of an exemplary multifunctional IC card according to the embodiment.
FIG. 3 is a block diagram of an exemplary IC card reader / writer device according to the embodiment;
FIG. 4 is a flowchart illustrating an exemplary offline payment process in the IC card reader / writer device according to the embodiment;
FIG. 5 is a flowchart of an exemplary offline payment process in the multifunctional IC card according to the embodiment.
FIG. 6 is a diagram showing an exemplary permission flag of the offline payment processing according to the embodiment.
FIG. 7 is a diagram illustrating priority information of an exemplary offline payment process according to the embodiment;
FIG. 8 is another flowchart of an exemplary offline payment process in the multifunctional IC card according to the embodiment.
[Explanation of symbols]
100 Multifunctional IC card 110 IC card reader / writer 112 IC card reader / writer 120 Debit card payment server 122 Credit card payment server

Claims (8)

A multifunctional IC card having at least a credit card function and a debit card function,
A communication circuit communicating with a first card processing device for using the debit card function or a second card processing device for using a credit card function;
A first storage circuit for storing an off-line settlement balance for a debit card function, which is a limit amount for settlement between the first card processing device and the multi-function IC card;
A second storage circuit for storing an off-line settlement balance for a credit card function, which is a limit amount that can be settled between the second card processing device and the multi-function IC card;
Control for updating at least one of the off-line settlement balance for the debit card function and the off-line settlement balance for the credit card function according to the payment amount information transmitted from the card processing device via the communication circuit. Multifunctional IC card including a circuit. A third storage circuit that stores first permission information indicating whether execution of offline payment using the offline payment balance for the debit card function is permitted,
2. The multi-function IC according to claim 1, wherein the control circuit executes the offline payment within a range of the offline payment balance for the debit card function when the first permission information indicates permission of the offline payment. card. A fourth storage circuit that stores second permission information indicating whether to permit execution of offline payment using the offline payment balance for the credit card function,
3. The control circuit according to claim 1, wherein the control circuit executes the offline payment within a range of the offline payment balance for the credit card function when the second permission information indicates permission of the offline payment. 4. Multifunctional IC card. A mode for performing offline payment using the offline payment balance for the debit card function, a mode for performing offline payment using the offline payment balance for the credit card function, and an offline payment balance for the debit card function A mode in which the credit card function is used in preference to the offline payment balance, and a mode in which the credit card function offline payment balance is used in preference to the debit card function offline payment balance. And a fifth storage circuit that stores mode setting information that determines which mode performs the offline payment processing,
The multi-function IC card according to claim 1, wherein the control circuit executes an offline payment process according to a set mode. The control circuit, when operating in a mode of using the offline payment balance for the debit card function in preference to the offline payment balance for the credit card function, the debit card based on the payment amount information It is determined whether the offline payment balance for the function is sufficient for payment, and if not, a part or all of the amount to be paid is settled offline using the offline payment balance for the credit card function. The multifunctional IC card according to claim 4. The control circuit is configured to operate the credit card based on the payment amount information when operating in a mode in which the credit card function offline payment balance is used in preference to the debit card function offline payment balance. It is determined whether the offline payment balance for the card function is sufficient for payment, and if not, a part or all of the amount to be paid is settled offline using the offline payment balance for the debit card function. The multifunctional IC card according to claim 4. An IC card terminal for executing a payment process using a multifunctional IC card having at least a credit card function and a debit card function,
Determining means for determining whether to execute an offline payment process using the multifunctional IC card,
If it is determined that the offline payment processing is to be performed, the payment is performed using the offline payment balance for the debit card function or the offline payment balance for the credit card function stored in the multi-function IC card. Transmitting means for transmitting the settlement amount of the multifunctional IC card to the multifunctional IC card;
An IC card terminal including: The determination means includes: permission information regarding the offline payment processing received from the multi-function IC card; information on whether or not the payment apparatus with the debit card function is offline; and offline state with the payment apparatus with the credit card function. 8. The IC card terminal according to claim 7, wherein the determination is made based on either the information indicating whether the information is present or an operation signal input by an external operation.

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