JP2011002984A - Method and system for adjusting parking fee - Google Patents

Abstract

PROBLEM TO BE SOLVED: To settle payment by a credit card by use of a cellphone or a non-contact type IC card.SOLUTION: A plurality of credit card numbers related to an RFID number embedded in the cellphone or the non-contact type IC card are registered in a database of a host center 15. When the cellphone is held over a reading face 13a of a fee adjustment machine 13 when adjusting a parking fee, the RFID number is read, and the RFID number is sent to the host center 15 via a network 14. The host center 15 searches the database so as to extract the credit card number related to the received RFID number from the RFID number. One of the credit card numbers obtained in a search result is sent to a settlement center 17, and credit is inquired. When credit cannot be obtained by the credit number, the credit is inquired again using another credit number. The adjustment of the parking fee is completed by the credit card that is given credit.

Description

  The present invention relates to a method and system for paying a parking fee based on RFID information embedded in a wireless IC chip (tag), and more particularly, any one of a plurality of credit cards associated with RFID information. TECHNICAL FIELD The present invention relates to a method and system for paying a parking fee with two credit cards.

  When paying a parking fee, a user has conventionally been able to put cash into a payment machine installed in a parking lot or make a payment by credit card. Payment methods using cards have also become widespread. Such mobile phones and non-contact type IC cards (hereinafter simply referred to as “mobile phones”) have a wireless IC chip called a wireless IC tag or RFID tag embedded in the mobile phone, and the wireless IC chip. From the uniqueness of the ID number (hereinafter referred to as “ID information”), the individual can be identified by the mobile phone. Therefore, an individual is specified based on this ID information, and the mobile phone is used as a settlement means as so-called electronic money. For example, an example in which ID information is used for electronic payment of a service fee in a parking area is disclosed in the following prior art document.

JP 2005-38324 A

  Japanese Patent Laid-Open No. 2005-38324 reads an RFID from an RFID tag, searches a personal information database by using this ID as a key, acquires user personal information, and obtains a service charge from a bank account registered in the personal information. Disclose a payment method for direct debit.

  However, in the invention disclosed in the above publication, since only a single bank account is registered in the personal information, if the account cannot be withdrawn from the bank, for example, if there is no account balance necessary for settlement, it is immediately settled. Is impossible. The present invention provides a method in which even if a certain payment means cannot be used, the processing can be advanced using another payment means.

  In the present invention, a plurality of credit card information is registered for one ID information, and even when credit for one credit card cannot be obtained, settlement is performed by obtaining credit from another credit card.

  In other words, the method for paying a parking fee according to the present invention reads ID information embedded in a wireless tag and extracts credit card information associated with the ID information. A credit card credit is charged to settle with one credit number indicated in the extracted credit card information. If credit for the credit card is obtained, settlement is completed with the credit card, but if credit for the credit card is not obtained, credit for other credit numbers in the extracted credit card information is given. It is charged.

  In addition, a system for paying a parking fee according to the present invention includes a checker having a reading device that reads ID information embedded in a wireless tag, and a host processing device coupled to the checker via a communication network. , The host processing device at least uses the credit information related to the ID information based on the ID information, the credit number, the database stored in units of the credit card expiration date, and the ID information received from the settlement machine. Card information is extracted, and credit card credit is requested based on one credit number in the credit card information. If credit for the credit number is obtained, settlement is completed with the credit number, and if credit for the credit number is not obtained, a processing unit that requests credit for another credit number in the extracted credit card information It comprises.

  According to the present invention configured as described above, even when a certain credit card cannot be used at the time of parking fee settlement, settlement with another credit card is automatically executed, which is convenient. improves. Also, since multiple credit cards can be registered and these credit cards can be used with a single ID information, it is more convenient than using the credit card itself and does not need to be held at all times. . Furthermore, since ID information can be provided simply by holding a mobile phone or a wireless IC card over a reader, there is less trouble compared to a magnetic type like a credit card, and there is a convenience that it can be operated with one hand. This is especially convenient when it rains.

  In addition to the above effects, the gate can be opened and closed by simply holding the mobile phone or wireless IC card over the reader when entering or leaving the parking lot, and payment can be completed simultaneously. In addition, if e-mail information is registered, receipts and entry / exit time information can be automatically sent. From the viewpoint of the service provider, the parking fee can be set flexibly and the user can be specified at the time of payment, so that the service can be added to each user.

1 shows an overall configuration diagram of a system according to an embodiment of the present invention. FIG. 1 shows a block diagram of a settlement machine according to an embodiment of the present invention. 1 shows a block diagram of a host center according to an embodiment of the present invention. FIG. It is a figure which shows the storage state of the data in the database which concerns on one Example of this invention. An example of the table produced when the credit card information relevant to a specific RFID number is extracted is shown. The payment flow of the parking fee in the system which concerns on one Example of this invention is shown.

  FIG. 1 shows an overall configuration diagram of a system 10 according to an embodiment of the present invention. The system 10 couples the checkout machine 13 to the host center 15 via the network 14 installed in the parking lots 11 and 12. The network 14 is generally an Internet network, but the present invention is not limited to this. The communication line 16 between the settlement machine 13 and the access point to the network 14 may be wired or wireless. The host center 15 is further coupled by a communication line 18 to a settlement center 17 that performs credit card settlement. The communication line 18 may be wired or wireless. The communication line may be a dedicated line or a part of a network.

  The cars 19 and 20 in the parking lot 11 are parked between the lock plate 21 and the stopper 22. Cars 19 and 20 can be moved in and out by the lock plate 21 being inverted and lying down. The RFID number (ID number) obtained by holding the mobile phone over the reading surface 13a of the checkout machine 13 is sent to the host center 15 via the network 14, stored, and subjected to necessary processing. . When credit processing is performed, credit card information is extracted from the database from the ID information, and a credit number included in the credit card information is sent to the settlement center 17 for settlement. In the case of a credit number that cannot be settled, the host center 15 sends another credit number to the settlement center 17 and executes settlement. When the settlement is completed, the result is returned from the host center 15 to the settlement machine 13, and the user can confirm on the display screen 13b that the credit processing is completed. If payment cannot be made with a registered credit card, a new credit card may be registered and the payment procedure may be continued with the newly registered credit card.

  FIG. 2 shows the configuration of the checkout machine 13 installed in the parking lot 11. The settlement machine 13 manages the settlement process of the user's usage fee and the loading / unloading of the user's car. The payment of the usage fee starts by inputting a parking lot number from the key operation unit 23 (corresponding to the key input 13c in FIG. 1). The parking lot number is sent to the central processing unit 24, the parking time is calculated from the difference between the parking start time and the current time, and the parking fee is calculated by multiplying it by the unit time fee. The parking fee is displayed on the display device 25 (corresponding to the display screen 13b in FIG. 1) and asks the user to pay. A user can pay directly to the money collection device 26, and a mobile phone (non-contact type IC) in which an RFID tag is incorporated in an RFID reader 27 (corresponding to the reading surface 13a in FIG. 1) provided in the checkout machine 13. Cards may be used, but only when a mobile phone is used.)

  When the mobile phone is held over the reading surface 13a, the ID number stored in the built-in RFID tag is read and sent to the central processing unit 24. This ID number is sent to the host center 15 via the network 14 through the communication line 16 from the router 28 and the modem 29 together with the parking fee and other information necessary for processing at the host center 15. The host center 15 asks the settlement center 17 to settle the parking fee based on the received ID number, and completes the settlement. The result is returned to the settlement machine 13 via the network 14.

  The central processing unit 24 that has received the settlement completion result from the host center 15 displays the result on the display unit 25 for the user. If necessary, the settlement result may be printed out from a printing device (not shown). Along with the display by the display device 25, the central processing unit 24 instructs the lock plate control unit 30 to allow the user's automobile 19 (FIG. 1) to leave, and to lay down the lock plate 21. Send unlock signal.

  Next, the processing of the host center 15 will be described with reference to FIG. The host center 15 includes a settlement server 31 and a card information database 32. The card information database 32 stores a user ID number and credit card information associated with the ID number. Credit card information includes at least the credit number and the expiration date of the credit card, but other information such as the name of the credit handling company, the user's name, address, telephone number, email address, and other information May be included. An example of such a database is shown in FIG. In FIG. 4, the RFID number, name, credit number, and expiration date are stored in units, but the present invention is not limited to these. In FIG. 4, it should be noted that even if the ID number is the same, different credit cards have different credit numbers, so that they are registered separately. However, it may be a recording format in which a plurality of credit cards are sequentially stored under the same ID number.

  Returning to FIG. 3, as described above, when the ID number is sent to the host center 15, the ID number is stored in the settlement server 31. The settlement server 31 searches the card information database 32 to extract the credit number of the credit card associated with the ID number. That is, all the credit card information associated with the same ID number is extracted, and a table listing them is created. FIG. 5 shows a table in which credit card information associated with, for example, credit number 1 is extracted from a database configured as shown in FIG. From the table of FIG. 5, it is found that there are three credit numbers 1, 6 and 9 for the credit card associated with credit number 1.

  When the table shown in FIG. 5 is created, the settlement server 31 first sends this credit card information to the settlement center 17 in order to obtain credit for the credit number 1, and inquires whether credit is possible. The settlement center 17 determines whether or not the settlement can be made with this credit card, and returns the result to the host center 17. If settlement is possible, settlement with the credit card proceeds, the result is sent to the settlement machine 13, and the debit amount, the name of the credit card that made the settlement, etc. are displayed on the display screen 13b.

  When the settlement center 17 determines that the payment cannot be made with the sent credit card, the evaluation is returned to the host center 15 and the credit number 2 as the second credit card is sent to the settlement center 17 to determine whether or not the credit is accepted. Is queried. When credit is obtained, the same processing as described above is performed. Finally, when credit for all credit cards is not obtained, the result is displayed on the display screen 13b of the settlement machine 13, and the user is required to settle in cash.

  As described above, the system 10 sequentially requests credit from the settlement center 17 for a plurality of credit cards registered in the host center 15, and finally performs a settlement process with the credit card from which the credit is obtained. Execute. Since this process automatically proceeds, users do not need to have multiple credit cards at all times, and all payments are completed simply by having a mobile phone that stores one ID number. It is very convenient.

  Next, in the system 10 configured as shown in FIG. 1, the procedure for paying the parking fee according to the present invention will be described in more detail below with reference to the flowchart 60 of FIG. The flowchart shown in FIG. 6 shows an embodiment of the present invention. As long as the technical idea of the present invention is embodied, each step may be followed or other processing steps may be added. . Further, the determination step may be executed at another position.

  The flowchart 60 shows the procedure for adjusting the parking fee. The procedure for registering the credit card owned by the user in association with the ID number is performed as follows. The user touches a specific button on the operation key 13c for executing credit card registration on the checkout machine 13 (FIG. 1), or a predetermined position on the display screen 13b in the case of a touch screen, and the registration mode. to go into. Next, hold the reference mobile phone over the reading surface 13a and enter the ID number. When the checkout machine 13 includes a reader that reads the magnetic surface of the credit card, the information is inserted into the insertion slot, and predetermined information such as a credit card number and an expiration date is acquired. If such a magnetic reading reader is not provided, necessary items such as a credit card number associated with the ID number and an expiration date are input from the operation key 13c. The input information appears on the display screen 13b. If it is correct, the enter key is pressed. Multiple credit cards can be registered by repeating the above process.

  Returning to FIG. 6, the parking fee settlement procedure is as follows. First, in step 61, when the user inputs a parking lot number from the operation key 13c of the settlement machine 13 and presses the settlement start button, the parking time is calculated and multiplied by the unit time fee to obtain the parking fee. The parking fee is displayed on the display screen 13b in step 62. Next, proceeding to step 63, it is determined whether or not the user holds the mobile phone over the reading surface 13a. When the mobile phone is held over the reading surface 13a, the ID number is read in step 64, and the ID number is sent to the host center 15 via the network.

  Next, proceeding to step 65, the host center 15 starts determining whether the credit number of the credit card is registered in the database based on the received ID number. That is, it is searched whether the ID number is registered in the card information database 32 (FIG. 3). When the registration of the ID number is confirmed, an ID number / credit card correspondence table as shown in FIG. 5 is created. If the settlement server 31 confirms the registration of the ID number in step 66, the process proceeds to step 67, and a credit number (for example, credit number 1 in FIG. 5) related to the ID number is sent to the settlement center 17. Ask the card company for credit for the credit number.

  When the credit from the card company is acquired, the process proceeds from step 68 to step 69. Since the credit from the card company is obtained, settlement with the credit card is performed, and the result is sent to the settlement machine 13 and displayed on the display screen 13b, and the settlement of the parking fee is completed. Receipts are printed if necessary.

  In step 68, if the credit for the inquired credit number is not obtained, the process proceeds to step 70. At step 70, payment server 31 (FIG. 3) checks for other registered credit cards. If there is another registered credit card, the process returns to step 67, and the credit number (for example, credit number 6 in FIG. 5) of the other registered credit card is sent to the settlement center 17 to the card company. Find credit for that credit number again.

  If credit is obtained at this stage, the process proceeds to step 69 as described above, and the settlement ends. However, if credit is not obtained even for a new credit card, the work of inquiring about credit for another registered credit number is repeated (steps 70 to 67, 68). If credit cannot be obtained for all the registered credit numbers, the process proceeds to step 71 to display on the display screen 13b that the credit card cannot be used for the user. In this case, payment by cash is required, but the user can register a new credit card and continue the payment procedure.

  If payment cannot be made with a credit card, the user will be required to pay in cash. In step 72, it is determined whether or not cash payment has been made. If there is a deposit, the process proceeds to step 73, where the deposit amount is subtracted from the parking fee, and it is determined in step 74 whether or not the parking fee has been paid and the settlement is completed. If the parking fee is paid, the settlement ends. If not, the process proceeds to step 62, where the unpaid portion is displayed and the user is asked to pay again.

  In step 72, if there is no cash input, the process proceeds to step 75, and it is determined whether or not a cancel button (for example, a specific button of the operation key 13c) for ending the checkout procedure is pressed. When the cancel button is pressed when the settlement cannot be continued at the present time, such as when there is a shortage of possession or only a large amount of banknotes is held, the deposited amount stored at the present time is saved, and the settlement is terminated for the time being. Since the checkout has not been completed, it cannot be issued. If the cancel button has not been pressed, steps 63 and 72 are processed, and the next settlement procedure is awaited. When the mobile phone is held over, the process proceeds to step 64 to execute the above-described processing. When cash is inserted, the process proceeds to step 73 and a cash settlement procedure is performed.

  In step 66, if the credit number related to the acquired ID number is not registered, the process proceeds to step 77 to display on the display screen 13b that the credit card is not registered for the user. . And the user is required to pay in cash. In this case, the credit card can be registered and the checkout procedure can be continued.

DESCRIPTION OF SYMBOLS 11, 12 Parking lot 13 Settlement machine 13a Reading surface 13b Display screen 13c Key input 14 Network 15 Host center 16, 18 Communication line 17 Settlement center 24 Central processing unit 25 Display unit 26 Receiving unit 27 RFID reader 30 Lock plate control Department 31 Payment server 32 Card information database

Claims (14)

In the method of paying the parking fee,
Reading ID information embedded in the wireless tag;
Extracting a plurality of credit card information associated with the ID information;
Claiming credit card credit to settle with one credit number indicated in the extracted credit card information;
If credit is available for the credit card, completing the payment with the credit card;
Claiming credit for other credit numbers in the extracted credit card information if credit for the credit card is not available;
A method of paying a parking fee characterized by including:   The method of claim 1, wherein the wireless tag is mounted on a mobile phone.   2. The method of paying a parking fee according to claim 1, wherein the wireless tag is mounted on a non-contact type IC card.   The method further comprises: registering a new credit card if the credit card capable of obtaining the credit is not registered, obtaining credit of the credit card, and completing the settlement. A method of paying the parking fee described in 1.   The method according to claim 1, wherein the step of reading the ID information includes a step of reading by a reader provided in a payment machine installed in a parking lot.   2. The parking fee settlement according to claim 1, wherein the step of extracting the credit card information includes a step of extracting a database stored in a host processing device coupled to the settlement machine through a communication line. Method.   The method according to claim 6, wherein the database is stored in a storage device installed in the host processing device.   The method according to claim 6, wherein the database is stored in units of at least ID information, a credit number, and an expiration date of a credit card.   7. The method according to claim 6, wherein the settlement machine and the host processing apparatus exchange data via an internet network. In the system to settle the parking fee,
A checkout machine comprising a reader for reading ID information embedded in a wireless tag;
A host processor coupled to the checkout machine via a communication network, wherein the host processor is
Extracting credit card information related to the ID information based on at least the ID information, a credit number, and a database stored in units of credit card expiration dates, and the ID information received from the settlement machine If a credit card credit is requested based on one credit number in the credit card information and credit for the credit number is obtained, settlement is completed with the credit number, and credit for the credit number is obtained. If not, a processing unit that charges credit for other credit numbers in the extracted credit card information.
A system characterized by that.   The system according to claim 10, wherein the wireless tag is mounted on a mobile phone.   The system according to claim 10, wherein the wireless tag is mounted on a non-contact type IC card.   If the credit card that can obtain the credit is not registered, the processing unit further includes registering a new credit card, obtaining the credit card credit, and completing the settlement. 11. A system according to claim 10, characterized in that   11. The system according to claim 10, wherein the checkout machine and the host processing apparatus exchange data via an Internet network.

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