JP2019070932A - System, method and program for prepaid charge amount settlement - Google Patents

Abstract

To provide a prepaid charge amount settlement system which uses a credit card, a prepaid card or a debit card as settlement means.SOLUTION: The prepaid charge amount settlement system comprises: means which reads information in a prepaid card to accept a charging operation; means in which information in a card for sales processing is stored; means which creates a telegram of authorization on the basis of the information in the card for sales processing and the charging operation; means which creates a telegram of charging on the basis of the information in the prepaid card and the charging operation; means which creates a telegram of sales data on the basis of the information in the card for sales processing and the charging operation; means which transmits the telegram of charging to a first system and transmits the telegram of authorization and the telegram of the sales data to a second system; and means which uses the card for sales processing for settlement of a charge amount on the basis of the telegram of sales data.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a prepaid charge settlement system, method and program. More specifically, the present invention relates to a prepaid charge settlement system, method, and program using a credit card, a prepaid card or a debit card as a settlement means for settlement of a charge amount between a prepaid card charge acceptance store and a prepaid card company.

  Payment using prepaid cards is in widespread use. The prepaid card is a magnetic card, an IC card or the like for prepaying the amount of money to be used, and a card that can be repeatedly used by adding the balance (charging) is known. As a method of charging a prepaid card, a method of charging at a store is known.

  The method of charging at the store is performed by a prepaid card user delivering cash and a prepaid card to a charge receiving store (hereinafter referred to as a receiving store) and requesting a charge. The reception shop causes the terminal such as POS (point of sales system) or CCT (credit center terminal) installed at the reception shop to read the prepaid card, and transmits a charge message including information such as the charge amount to the prepaid card company . The prepaid card company's system processes the balance addition for a given prepaid card based on the received charge message.

  In the above-mentioned method of charging at the store, cash is received by the receiving shop, so it is necessary to settle the charge amount between the receiving shop and the prepaid card company. Generally, the prepaid card company charges the accepting shop monthly for settlement of the charge amount, and the accepting shop transfers the prepaid card company to the prepaid card company according to the request.

  However, in the conventional method of charging in the store, the prepaid card company bears the risk of recovering the charge amount to the reception shop from the charge implementation to the settlement of the charge amount. The prepaid card company also needs to make a request when the charge amount is settled, and when the number of accepted stores increases, the number of clerical work for the request also increases. It is necessary for the receptionist store to transfer money when the charge amount is settled.

  The present invention addresses such problems by providing a prepaid charge settlement system that uses a credit card, a prepaid card or a debit card as a settlement means to settle the charge amount between a prepaid card charge acceptance store and a prepaid card company. With the goal.

  A prepaid charge payment system, which is an aspect of the present invention, reads information of a prepaid card and receives means for receiving a charge operation, means for storing information on a sales processing card, and information on a sales processing card And means for creating a message of authorization based on the operation of the charge and a means for creating a message of the charge based on the information of the prepaid card and the operation of the charge, and operation of the information and charge of the card for sales processing Based on the message of sales data, the message of charge is transmitted to the first system, the message of authorization and the message of sales data are transmitted to the second system, and the message of sales data is transmitted. Means for using a sales processing card for settlement of the charge amount.

  According to the present invention, the prepaid card company can reduce the recovery risk of the charge amount for the reception shop. Prepaid card companies also do not need to charge for settlement of the charge amount. In the reception store, the transfer for the settlement of the charge amount is unnecessary. Also, since the accepting shop can debit the charging amount in combination with the billing of the credit card amount other than the charging amount, the work burden on the accepting shop does not increase.

  Furthermore, to carry out the present invention, terminals such as existing POS / CCT installed in the reception shop can be diverted, and no additional capital investment is required.

It is a figure which illustrates the whole structure containing the system which concerns on this invention. It is a figure which illustrates the composition of the reception shop terminal concerning the present invention. It is a figure which illustrates the composition of the credit card company system concerning the present invention. It is a figure which illustrates the data item of member store information DB concerning the present invention. It is a figure which illustrates the data item of authorization message DB concerning the present invention. It is a figure which illustrates the data item of settlement-of-accounts information DB concerning the present invention. It is a figure which illustrates the processing flow of charge of the prepaid card concerning the present invention, sales processing, and settlement of charge amount.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the drawings, the same reference numerals denote the same elements, and the redundant description will be omitted. In the present specification, it is assumed that a charge business consignment contract is concluded between the receiving shop and the prepaid card company. In addition, it is assumed that a charge member store contract has been concluded between the prepaid card company and the credit card company. The charge member store contract is a contract including the contents of a credit card company receiving a charge for a charge amount from a prepaid card company. Further, it is assumed that the reception shop has a credit card (for example, a corporate card), a debit card or a prepaid card. The credit card in the following description can be replaced by a debit card or a prepaid card.

(overall structure)
FIG. 1 is a diagram illustrating an entire configuration including a system according to the present invention. In FIG. 1, the reception shop terminals 110a, 110b... And 110n (hereinafter collectively referred to as reception shop terminals 110), the network 120, the prepaid card company system 130, and the credit card company system 140 are exemplified.

  The reception shop terminal 110 is a terminal installed in a reception shop, and can be, for example, a terminal such as POS / CCT installed in a supermarket, a shopping center, a convenience store or the like. The reception shop terminal 110 can perform operations such as prepaid card charging and credit card, prepaid card and debit card settlement. The accepting shop terminal 110 is communicably connected to the prepaid card company system 130 and the credit card company system 140 via the network 120.

  A conventional POS / CCT terminal or the like can transmit a charge message to the prepaid card company system 130, for example, when the terminal such as the POS / CCT reads a prepaid card and performs a charge operation. A terminal such as POS / CCT may also transmit authorization telegrams and sales data to credit card company system 140 when the terminal such as POS / CCT reads a credit card and performs operations such as payment. it can. Authorization is a process of determining whether a credit card company approves each transaction by a credit card at a member store. If the transaction is approved by authorization, credit card can be used. A terminal such as a conventional POS / CCT is configured to transmit a message according to an operation such as charging or settlement.

  The accepting shop terminal 110 can set a credit card (for example, a corporation card) of the accepting shop as a card for sales processing when charging a prepaid card. Sales processing in the case of charging a prepaid card means treating the charge amount of the prepaid card as sales of a prepaid card company. That is, when charging a prepaid card, sales data of a credit card is created, and a credit card number of a reception shop is associated. The credit card number of the reception shop may be stored non-temporarily at the reception shop terminal 110 or may be read at the reception shop terminal 110 each time. By setting in this manner, the reception shop terminal 110 can create sales data of a credit card of the reception shop, where the charge amount of the prepaid card is used as the credit card use amount and the use destination is the prepaid card company. . The reception shop terminal 110 may create sales data of the credit card of the reception shop for each prepaid card company of the issuer according to the read prepaid card information among the plurality of prepaid card types. The accepting shop terminal 110 may also associate a fixed credit card number when creating sales data when accepting charges only for a specific prepaid card. The reception shop terminal 110 can also set a prepaid card or a debit card of the reception shop as a card for sales processing.

  The reception shop terminal 110 can also execute validity check from the read prepaid card information and check whether the charge amount input by the operation of charge can be charged. The reception shop terminal 110 can further transmit a charge message to the prepaid card company system 130, and can transmit a message of authorization and a message of sales data to the credit card company system 140. Hereinafter, the messages sent and received between the accepting shop terminal 110 and the credit card company system 140, including the message of the authorization and the message of the sales data, are collectively referred to as "authorized message." The charge message sent to the prepaid card company system 130 is the same as the conventional format.

  The network 120 may be a known network capable of mutual communication between the reception shop terminal 110 and the prepaid card company system 130, and between the reception shop terminal 110 and the credit card company system 140, and is particularly limited. There is nothing to do. The charge message and authorization message are transmitted via the network 120.

  The prepaid card company system 130 is a system of a company that carries out prepaid card issuance, balance management, etc., and is responsible for prepaid card payment, and is configured of one or more server devices and the like. The prepaid card company system 130 can add the balance of a given prepaid card based on the charge message received from the reception shop terminal 110. The prepaid card company system 130 can also transmit, to the accepting shop terminal 110, a notification that the prepaid card balance has been added. Since the prepaid card balance addition process is widely implemented, the description in the present specification is omitted.

  The credit card company system 140 is a system of a company that performs credit card issuance, credit management, etc., and is responsible for credit card payment, and is configured of one or more server devices and the like. The credit card company system 140 checks the validity of the credit card based on the message of the authorization received from the reception shop terminal 110 or the like, performs the sales processing of the credit card based on the message of the sales data, and performs the card monthly. Create usage statements for each member. The usage details are provided to the credit card user, for example, by post, online, or the like. The credit card company system 140 can also perform settlement processing on a monthly basis to calculate the amount of money transferred to the prepaid card company.

  FIG. 2 is a diagram illustrating the configuration of the reception shop terminal 110 according to the present invention. As illustrated in FIG. 2, the control unit 111, the main storage unit 112, the auxiliary storage unit 113, the reader 114, the operation unit 115, the interface (IF) unit 116, the display unit 117, and the data processing unit 118 are connected by a bus 119 or the like. Be done.

  The control unit 111 is also called a central processing unit (CPU), performs control of each component of the reception shop terminal 110 and calculates data, and further stores the program stored in the auxiliary storage unit 113 in the main storage unit 112. It can be read and executed. The main storage unit 112 is also referred to as a main memory, and can store various types of input data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 113 is a storage device such as a hard disk (HDD) and is used when storing data and programs for a long time.

  The reader 114 is configured by a device such as a magnetic card reader, a bar code reader, an IC chip reader, etc., and can read information such as a prepaid card, a credit card, a debit card and the like. The operation unit 115 includes devices such as a button, a touch panel, a pointing device, and a keyboard, and can receive various commands and input data. The operation unit 115 can receive, for example, a charge operation command, an input of a charge amount, and the like from a clerk or the like of a reception shop.

  The IF unit 116 is an interface when transmitting and receiving data to and from another system or device. The IF unit 116 can transmit, for example, prepaid card information and charge message read by the reader 114 to the prepaid card company system 130 via the network 120, and can transmit an authorization message to the credit card company system 140, etc. . The IF unit 116 can also receive various processing results from the prepaid card company system 130 and / or the credit card company system 140 via the network 120, and the like. The display unit 117 is configured by a device such as a display, and can provide an operation selection screen, a confirmation screen such as a charge amount and a balance, a display screen of an operation result, and the like.

  When the data processing unit 118 performs a prepaid card charging operation at the reception shop terminal 110, the data processing unit 118 can create a message of the authorization of the credit card of the reception shop set in advance and a message of sales data. The data processing unit 118 determines, for example, whether the prepaid card is valid or not from the information on the prepaid card read by the reader 114 using the charge operation received by the operation unit 115 as a trigger, and the charge amount exceeds the chargeable amount. It can be determined whether the The data processing unit 118 may read the credit card number of the reception store stored in the main storage unit 112, the auxiliary storage unit 113 or the like, for example, using the operation of charge received by the operation unit 115 as a trigger. The data processing unit 118 can create the authorization and sales data in which the charge amount of the prepaid card input by the operation unit 115 is used as the credit card charge amount of the reception store and the use destination is the prepaid card company.

  FIG. 3 is a diagram illustrating the configuration of a credit card company system 140 according to the present invention. As illustrated in FIG. 3, the control unit 141, the main storage unit 142, the auxiliary storage unit 143, the IF unit 144, the affiliated store information DB 145, the authorization message DB 146, and the settlement information DB 147 are connected by the bus 149 or the like.

  The control unit 141, the main storage unit 142, and the auxiliary storage unit 143 have the same functions as the control unit 111, the main storage unit 112, and the auxiliary storage unit 113 of the reception shop terminal 110 described above, respectively, and therefore the description thereof is omitted. The IF unit 144 is an interface when transmitting and receiving data to and from the reception shop terminal 110. The IF unit 144 can, for example, receive an authorization message from the reception shop terminal 110 via the network 120, send a response to the authorization message, etc. to the reception shop terminal 110.

  The affiliated store information DB 145 is a database (DB) that stores information on affiliated stores that have entered into affiliated store contract with a credit card company. Basic information of a member store, transfer destination account information at the time of settlement of money, etc. are included and can be updated as necessary.

  The auto message DB 146 is a DB that stores an authorization message received from the reception shop terminal 110. The automation telegram is a telegram generated for credit card transactions of card members at a member store, and the business categories indicating the contents of the credit card transactions are "pre-authorization (credit)", "sales", "cancellation / return" Including telegrams. The authorization telegram also includes a credit card number, information identifying a member store (member store ID), the amount of money used, and the like.

  The settlement information DB 147 is a DB that stores the settlement information for each affiliated store, which is generated based on the authorization message stored in the authorization message DB 146. The settlement information may include an amount obtained by subtracting a predetermined fee, in addition to the credit card payment amount. The data stored in the settlement information DB 147 can be used when calculating the amount of money transfer for a member store.

  The automation message DB 146 and the settlement information DB 147 can store general transactions that can be normally performed by a credit card, and various data of a credit card associated with a prepaid card charge.

  FIG. 4 is a diagram illustrating data items of the affiliated store information DB 145 according to the present invention. The affiliated store information DB 145 can include affiliated store ID 401, affiliated store information 402, and account information 403, but can also include other data items.

  The merchant ID 401 is an identifier for uniquely identifying a merchant, and is assigned to each merchant. The affiliated store ID 401 can be, for example, an ID uniquely identifying a prepaid card company. The member store information 402 can include a member store name, a location, a telephone number, and the like. The account information 403 is information on the account of the member store, and can be used at the time of settlement of the charge amount.

  FIG. 5 is a diagram exemplifying data items of the authorization message DB 146 according to the present invention. The automation message DB 146 can include a card number 501, a member store ID 502, a date and time 503, a business division 504, and a charge amount 505, but can also include other data items.

  The card number 501 indicates the number of a credit card used for credit card payment in a member store, and when the prepaid card charging operation is performed at the reception shop terminal 110, it becomes the number of the credit card of the reception shop. The member store ID 502 is an identifier for identifying a member store that has made a credit card payment, and when the prepaid card charging operation is performed at the reception store terminal 110, it is an ID for identifying the prepaid card company of the issuer. Can. The merchant ID 502 can be associated with the merchant ID of the merchant information DB 145. The date and time 503 indicates the date and time when the card settlement was performed at the member store, and when the prepaid card charge operation is performed at the reception shop terminal 110, the date and time when the charge operation is performed can be made. The business division 504 indicates the content of a credit card transaction, for example, sales. The amount of money used 505 indicates the amount of money used for the credit card, and when the prepaid card charging operation is performed at the reception shop terminal 110, the amount of money used may be equal to the charged amount.

  FIG. 6 is a diagram exemplifying data items of the settlement information DB 147 according to the present invention. The settlement information DB 147 can include affiliated store ID 601, date and time 602, business division 603, usage amount 604, and settlement amount 605, but can also include other data items such as a credit card number.

  The data items of the settlement information DB 147 may be created based on the common data items of the authorization message DB 146. For example, the affiliated store ID 601 of the settlement information DB 147 may be created based on the affiliated store ID 502 of the authorization message DB 146. Similarly, the date and time 602, the business division 603, and the usage amount 604 of the settlement information DB 147 may be created based on the date and time 503, the business classification 504, and the usage amount 505 of the authorization message DB 146, respectively. The settlement amount 605 is calculated based on the usage amount 604. The settlement amount 605 can be an amount obtained by subtracting a predetermined fee from the usage amount 604.

  FIG. 7 is a diagram exemplifying a processing flow of charging, sales processing and settlement of the charge amount of the prepaid card according to the present invention. Hereinafter, a scene where the user of the prepaid card requests an over-the-counter charge at the reception store will be described. It is assumed that the accepting shop terminal 110 sets a credit card of the accepting shop as a card for sales processing of the charge amount. The card for sales processing of the charge amount may be a prepaid card or a debit card in addition to a credit card.

(Charge implementation)
In step S701, a user of a prepaid card delivers cash and a prepaid card to a reception shop and applies for a charge.

  In step S702, the reception shop terminal 110 is operated by, for example, a clerk of the reception shop and reads the information of the prepaid card by the reader 114. The accepting shop terminal 110 also transmits the information of the read prepaid card to the prepaid card company system 130 by the IF unit 116 using the operation command of the charge received by the operation unit 115 as a trigger.

  In step S702, when the read prepaid card is a prepaid card capable of holding information such as a balance, the reception shop terminal 110 may perform validity check of the prepaid card. In this case, the accepting shop terminal 110 does not transmit the read prepaid card information to the prepaid card company system 130, and uses the charge operation command or the like received by the operation unit 115 as a trigger to check the validity of the prepaid card. The validity check is performed as to whether the prepaid card is valid, based on the expiration date, the use suspension status, and the like. If the prepaid card is not usable (NG), it is confirmed by the clerk of the reception shop by displaying on the display unit 117 of the reception shop terminal 110 that the user can not use the prepaid card so that the user of the prepaid card is notified. May be On the other hand, if the prepaid card is usable (OK), the chargeable amount is calculated based on the charge upper limit obtained from the information of the prepaid card and the balance, and the process proceeds to step S708.

  In step S703, the prepaid card company system 130 receives prepaid card information from the accepting shop terminal 110. Prepaid card information may include an expiration date, usage suspension status, etc., receive an ID etc. that uniquely identifies the prepaid card, and acquire associated information such as expiration date, usage suspension status, etc. It is also good.

  In step S704, the prepaid card company system 130 performs a validity check as to whether the prepaid card is valid, based on the expiration date, usage suspension status, and the like obtained from the received prepaid card information. When the prepaid card is not usable (NG), the prepaid card company system 130 transmits a use unavailable notice to the reception shop terminal 110.

  In step S 705 (in the case of NG in step S 704), the accepting shop terminal 110 receives a prepaid card availability notification. The notification of non-usability may be displayed on the display unit 117 of the reception shop terminal 110 so that the clerk of the reception shop can confirm the notification and notify the user of the prepaid card. If a prepaid card availability notification is received, the subsequent processing is not performed.

  In step S706 (if OK in step S704), the prepaid card company system 130 calculates the chargeable amount based on the charge upper limit obtained from the information on the prepaid card and the balance, and transmits it to the reception shop terminal 110.

  In step S 707, the receiving shop terminal 110 receives the chargeable amount.

  In step S 708, the receiving shop terminal 110 receives an input of the charge amount through the operation unit 115.

  In step S709, the accepting shop terminal 110 checks the charge amount whether the charge amount input in step S708 exceeds the chargeable amount calculated in step S702 or the chargeable amount received in step S707. If the input charge amount exceeds the chargeable amount, charge is not possible (NG).

  In step S710 (in the case of NG in step S709), the accepting shop terminal 110 sends a prepaid card charge impossible notification. The charge non-permission notification may be displayed on the display unit 117 of the reception shop terminal 110 to be confirmed by the clerk of the reception shop and transmitted to the user of the prepaid card. If the prepaid card can not be charged, the subsequent processing is not performed.

  In step S711 (if OK in step S709), the accepting shop terminal 110 creates an authorization message based on the charge amount input in step S708 and the credit card information of the accepting shop set as a card for sales processing. Do. The acceptance shop terminal 110 also transmits an authorization message to the credit card company system 140.

  In step S712, the credit card company system 140 receives an authorization message from the accepting shop terminal 110. The authorization message is associated with the credit card number of the reception store.

  In step S713, the credit card company system 140 checks the validity of the credit card based on the information on the credit card of the reception store included in the received authorization message. The validity check is performed by checking the expiration date, credit, etc. obtained from the number contained in the authorization message, and when the transaction can not be approved, it is not available (NG).

  In step S714 (in the case of NG in step S713), the accepting shop terminal 110 receives a credit card use denial notice. The notification of non-usability may be displayed on the display unit 117 of the reception shop terminal 110, and the clerk of the reception shop may confirm.

  In step S715 (in the case of "OK" in step S713), the credit card company system 140 transmits the check result to the reception shop terminal 110. The check result is the contents for approving a credit card transaction.

  In step S716, the reception shop terminal 110 receives the check result from the credit card company system 140.

  In step S717, the accepting shop terminal 110 creates a charge message based on the information on the prepaid card read in step S702 and the charge amount input in step S708. The acceptance shop terminal 110 also transmits a charge message to the prepaid card company 130.

  In step S 718, prepaid card company system 130 receives a charge message from accepting shop terminal 110. The charge message includes prepaid card information, charge amount, and the like.

  In step S719, the prepaid card company system 130 performs balance addition processing of the prepaid card based on the information on the prepaid card obtained from the charge message, the charge amount, and the like. If an error occurs in the prepaid card balance addition process, the prepaid card company system 130 notifies the accepting shop terminal 110 of an error. The error notification may be displayed on the display unit 117 of the reception shop terminal 110. Further, based on the cancellation message received from the reception shop terminal 110, the charge cancellation process is performed. The balance addition process, the error notification, and the charge cancellation process can be implemented according to the prior art.

  At step S720, the user of the prepaid card is notified that the charge has been completed. The notification of the completion may be displayed on the display unit 117 or the like of the reception shop terminal 110 to be confirmed by the clerk of the reception shop and to be notified to the user of the prepaid card.

(Sales processing)
In step S721, the accepting shop terminal 110 creates sales data of a credit card based on the charge amount input in step S708 and the credit card information of the accepting shop set as a card for sales processing. The accepting shop terminal 110 also transmits sales data to the credit card company system 140. The sales data includes the credit card number of the reception store, the amount of money used, the member store ID, and the like. The used amount is equal to the charge amount input in step S 708. The member store ID is an ID that uniquely identifies the prepaid card company that issued the prepaid card read in step S702.

  In step S 722, the credit card company system 140 receives sales data from the reception shop terminal 110. The credit card company system 140 stores the received sales data information in the authorization message DB 146.

  In step S723, the credit card company system 140 performs sales processing of the credit card based on the authorization message stored in the authorization message DB 146. With sales processing, the credit card company may treat the authorization message created in relation to the charge as the credit card usage of the accepting shop where the user is the prepaid card company and the usage amount is equal to the charge amount. it can.

(pay off)
In step S724, the credit card company system 140 settles the credit card use amount in a period such as one month at a predetermined timing. The settlement of the amount of use may be totalized by scheduled batch processing or the like for various data of the authorization message stored in the authorization message DB 146. The credit card company system 140 stores the result of the tabulation process according to the purpose, such as each credit card of the reception shop, each prepaid card company of the affiliated shop, etc. in the settlement information DB 147. Alternatively, although not shown, other DBs depending on the purpose may be used to store the result of the tabulation process.

  In step S725, the receiving shop receives the credit card usage details of the receiving shop from the credit card company, and is settled by direct debit. In addition to the withdrawal of the charge amount, it is also possible to withdraw the payment amount such as ordinary settlement.

  At step S 726, the prepaid card company deducts the fee from the charge amount from the credit card company by credit transfer. The credit card company can transfer money using information such as the settlement amount 605 of the settlement information DB 147 and the account information 403 of the affiliated store information DB 145 and the like.

  By doing this, the prepaid card company can reduce the risk of collecting the charge amount to the reception shop, and the billing for the charge amount settlement becomes unnecessary. Since the receiving shop does not need to transfer money for settlement of the charge amount and can debit the charge amount together with the request for the credit card use amount other than the charge amount, it is possible to carry out simple settlement.

  In another embodiment, when the reception shop terminal 110 performs a charging operation of a prepaid card to create an authorization message, the business division may be “charge” or the like. The business division "charge" or the like is stored in the business division 504 of the authorization message DB 146 and the business division 603 of the settlement information DB 147, and can be treated as information for distinguishing it from a normal credit card use amount. By setting the operation classification as charge instead of sales, the credit card company system 140 can be used for various data aggregations as information for credit card usage details, credit and the like.

  While the principles of the present invention have been described with reference to the exemplary embodiments, those skilled in the art will appreciate that various modifications can be made in configuration and detail without departing from the scope of the present invention. You will understand. That is, the present invention can adopt an embodiment as, for example, a system, an apparatus, a method, a program, or a storage medium.

120 networks 119, 149 buses

Claims (8)

A means for reading prepaid card information and accepting a charge operation;
A means for storing information on a sales processing card;
A means for creating an authorization message based on the information on the sales processing card and the operation of the charge;
Means for creating a telegram of charge based on the information of the prepaid card and the operation of the charge;
A means for creating a telegram of sales data based on the information on the sales processing card and the operation of the charge;
Means for transmitting a message of the charge to a first system, and transmitting a message of the authorization and a message of the sales data to a second system;
Means for using the sales processing card for settlement of the charge amount based on the telegram of the sales data;
Prepaid charge payment system equipped with.   The system further comprises: means for checking the validity of the prepaid card; means for checking the charge amount input by the operation of the charge; and means for performing transaction approval determination based on the message of the authorization. The prepaid charge money adjustment system according to claim 1. A computer-implemented method,
Reading prepaid card information and accepting charge operation,
Storing card information for sales processing,
Creating an authorization message based on the information on the sales processing card and the charge operation, and transmitting the authorization message to the second system;
Creating a telegram of charge based on the information of the sales processing card and the operation of the charge, and transmitting the telegram of the charge to the first system;
Creating a telegram of sales data based on the information on the sales processing card and the operation of the charge, and transmitting the telegram of the sales data to the second system;
Sending to the second system,
Using the sales processing card for settlement of the charge amount based on the telegram of the sales data;
Method including.   The method according to claim 3, further comprising performing the validity check of the prepaid card, performing the charge amount check input in the operation of the charge, and performing the transaction approval determination based on the message of the authorization. Method described.   A program for causing a computer to execute the method according to claim 3 or 4. A device used to charge prepaid cards,
Read prepaid card information, accept charge operation,
Store card information for sales processing,
Create an authorization message based on the information on the sales processing card and the operation of the charge,
Create a message of charge based on the information of the prepaid card and the operation of the charge,
Based on the information on the sales processing card and the operation of the charge, a telegram of sales data to be used for settlement of the charge amount is created.
Transmitting the telegram of the charge to the first system, and transmitting the telegram of the authorization and the telegram of the sales data to the second system;
Device configured as.   7. The system according to claim 6, further comprising: performing validity check of the prepaid card, checking a charge amount input in the operation of the charge, and performing transaction approval determination based on a message of the authorization. Device described.   The device according to claim 6 or 7, wherein the authorization message, the charge message and the sales data message include the same amount of money information.

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