JP2739094B2 - Credit card use management system in taxi and its operation method - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit card use management system in a taxi, and more particularly, to a taxi fare payment using a credit card by completely checking an invalid card. The present invention relates to a technology that enables the in-vehicle sale of various articles using a credit card using a credit inquiry function of a card.

[0002]

2. Description of the Related Art Taxi fares are paid by credit card by pressing the number portion of the credit card against a predetermined portion of a form on which the taxi fare is entered, pressurizing this with a roller member, and transferring the credit card number.
It is performed by a method of signing.

[0003]

SUMMARY OF THE INVENTION Some credit cards include expired cards, stolen cards, invalid cards such as accident cards that are blacklisted due to late payment or multiple debts, and forged cards (hereinafter referred to as having these problems). Cards are collectively referred to as invalid cards).
Normally, department stores and specialty stores check for invalid cards by blacklist or telephone inquiry, which is a list of invalid cards when selling goods by credit card. Is virtually impossible. In a taxi, getting on and off must be done quickly to prevent traffic congestion, it is not possible to spend time on fare collection, and because the inside of the car is dark, collation with blacklists for checking invalid cards and counterfeiting The details of the card itself for finding the card cannot be considered. For these reasons, there have been many problems related to credit cards in taxi fare payments, and improvements have been sought. The first idea to solve such a problem is a method of performing credit inquiry of a credit card in real time using a car phone or a business radio. However, the method using a car phone is inexpensive, and the use of a business radio requires a full-time staff at the headquarters, which is a heavy burden. In addition, since both use radio waves, there is a concern that radio waves may be obstructed in cities where buildings are in a forest, while radio waves are difficult to reach in mountainous areas, which leaves concerns about their operation, and solutions to the above problems are still presented. Not.

SUMMARY OF THE INVENTION The present invention has been made in view of the above situation, and it is an object of the present invention to provide a credit card use management system and a method for operating the same, which allow a credit card to be referred to in a taxi car easily and immediately. In addition, the present invention aims to provide a technology that enables the sale of goods in a vehicle using the credit inquiry function of this system.

[0005]

Means for Solving the Problems A first aspect of the present invention which has solved the above problems has the following configuration. Invalid number storage unit that rewritably stores invalid number information, which is the card number information of invalid credit cards, and a transaction that cumulatively rewritably stores the type, number, and usage amount of credit cards used during the business hours of the day. A content storage unit, a security code storage unit in which a security code is registered in a confidential or encrypted state, and a read / write to the invalid number storage unit and the transaction content storage unit. An access control unit that determines whether read / write is possible by comparing the password with a password registered in the password storage unit, and directly or indirectly sends invalid number information from the invalid number storage unit of the IC card. A reading unit that reads the information, a card reader that reads the type and number of the credit card for which credit inquiry is to be made, and a password for the credit card An input unit for inputting a usage amount and a usage amount, verifying the consistency between the credit card number read by the card reader and the password input from the input unit and invalidating the credit card number read by the reading unit. A determination unit that determines whether the inquiry card is an invalid card by comparing with the number information, and directly or indirectly stores the transaction content input from the card reader and the input unit in the transaction content storage unit of the IC card. A writing unit for writing to the IC card, reading the invalid number information from the invalid number storage unit of the IC card, and writing the transaction content to the transaction content storage unit in the IC card, by providing the personal identification number for accessing the IC card to the IC card. An in-vehicle credit reference machine having a password transmitting section for transmitting the password, and invalid number information of an invalid credit card. Invalid number storage unit, a writing unit for writing invalid number information read from the invalid number storage unit into the invalid number storage unit of the IC card, and credits used during the business hours of the day from the transaction content storage unit of the IC card. A reading unit for reading the transaction contents of the card, a data processing unit for totalizing the read data, an IC card for writing invalid number information to the IC card and reading the transaction contents from the transaction content storage unit in the IC card A credit card use management system in a taxi, comprising: a data management computer installed in a business office having a password transmission unit for transmitting a password for access to an IC card;

According to the first aspect, when the credit card type and number are input to the credit inquiry machine, magnetic, optical or electrical information written on the credit card is mechanically read using a card reader. But magnetic,
In the case of an old type credit card that does not have optical or electrical information, manual input by keying may be adopted as described in claim 2.

[0007] It is also preferable to incorporate a voice synthesizing device for notifying the result of the determination by the determining unit by voice.

It goes without saying that such a credit card use management system can be applied to the payment of a taxi fare, but it is also possible to sell goods in a taxi car using the credit inquiry function of the present system. Such article sales can be realized by installing a display device for displaying product information in the vehicle and providing means for selecting and specifying a product desired to be purchased from the products displayed on the display.

[0009]

The operation procedure of the credit card use management system according to the first aspect is as follows. An IC card storing the latest invalid number information is inserted into the credit inquiry machine. When a memory capable of storing all of the invalid number information is provided inside the credit inquiry machine, the invalid number information is transferred to this memory, and after the transfer, the IC card is removed from the credit inquiry machine. The credit inquiry is performed indirectly by accessing the internal memory of the credit inquiry machine. If a memory capable of storing the entire invalid number information is not provided in the credit inquiry machine, the IC card is always mounted on the credit inquiry machine during business hours and directly accesses the invalid number storage section in the IC card. A credit inquiry is made.
A password is registered in the IC card in a secret or encrypted state, and when accessing the IC card, it is necessary to input a password for access permission. The validity of the password input from the credit reference machine is verified by the access control unit in the IC card by checking it against the password in the password storage unit. If the password matches, the access to the IC card is disabled. The permission is permitted, and the invalid number information in the IC card is read into the credit inquiry machine.

At the time of payment by a credit card, the type and number of the credit card are read by a card reader, and a personal identification number and a usage amount are input from an input unit such as a numeric keypad to make a credit inquiry of the credit card. The credit reference machine searches for a number corresponding to the entered credit card number with reference to the invalid number information, and if there is no corresponding number, determines that the card is a valid card and accepts payment by credit card. . Basically, the payment operation from the passenger to the crew is completed by the operation up to this point, but for the purpose of confirmation, the passenger's signature is requested on a paper on which the details of the transaction are printed out.

[0011] The contents of such a credit card transaction are cumulatively recorded. In the case of the type in which the IC card is always attached to the credit inquiry machine, the recorded contents are written directly into the transaction content storage section in the IC card, while the type in which the IC card is not attached during business hours Is written in the memory inside the credit reference machine, and at the end of business, an IC card is attached to the credit reference machine and
Transfer to C card. Writing of transaction contents from the credit inquiry machine to the transaction contents storage unit in the IC card is also permitted only when the passwords for permitting access to the IC card match. The input of a password for access permission when writing the transaction content to the transaction content storage unit in the IC card includes the input of a password for reading invalid number information performed when the IC card is mounted in the case of the IC card always mounted type. It is realistic to double. In the case of the non-attached IC card type, input of a password for access permission is required at the time of batch transfer of transaction contents to the IC card at the end of business.

After returning to the business office after one day of business, the IC card in which the transaction contents are stored is directly or indirectly attached to the data management computer installed in the business office, and the transaction contents are managed from the IC card. Transferred to the computer. When accessing the IC card from the data management computer, input of a password for access permission is required. If the entered password matches a password registered in a password storage unit in the IC card. Access to the IC card is permitted. In this way I
The data read from the C card is tabulated together with the data collected from other taxi vehicles, the usage status of the card in the whole business office is tabulated, and the total amount is charged to the credit company. According to the present invention, the IC card is provided with a protection mechanism for both reading and writing, and prohibits access to the IC card other than the authorized person.
Data in the IC card between the taxi and the business office can be prevented from being stolen or falsified.

According to the second aspect of the invention, the credit card is intended for an old type credit card having no magnetic, optical or electrical information. In this case, the type and number of the credit card and the use of the credit card are used. The amount is manually input from a keyboard or the like.

[0014] When a voice synthesizing apparatus for notifying the judgment result by the judging unit by voice is incorporated as in claim 3, the judgment result is immediately announced by voice.

In the case where a display for displaying product information is provided in the vehicle and a means for selecting and specifying a product desired to be purchased from the products displayed on the display is provided, a credit inquiry machine guarantees the product. Passengers can shop in the car based on the creditworthiness of the credit card. The product is purchased by selecting a desired product from the products displayed on the display, and the product is delivered to the passenger home at a later date.

[0016]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The details of the present invention will be described below with reference to the illustrated embodiments. FIG. 1 is an explanatory diagram showing an outline of a credit card use management system according to the present invention, and FIG. 2 is a simplified block diagram expressing each device constituting the system from a functional aspect. This system consists of an on-board credit inquiry machine A and a data management computer C installed at the sales office of a taxi company.
And the credit reference machine A and the data management computer C
And an IC card B serving as a medium for data transfer between the two devices.

For the IC card B, the applicant assigns "GARD C
An IC card having a protection function which is planned to be commercialized under the name of "ARD" is used. IC card B
An invalid number storage unit 21 for rewritably storing invalid number information which is card number information of an invalid credit card;
The transaction content storage unit 22, the password storage unit 23, and the password stored in the password storage unit 23, which rewritably accumulate the type, number, and usage amount of the credit card used during the business hours of the day. An access control unit 24 controls access to the IC card from an external device based on the access control unit 24, and a control unit 26 controls the access control unit 24.
Although the invalid number storage unit 21 and the transaction content storage unit 22 can be configured by separate memory circuits, the storage area of the large-capacity memory circuit is normally divided and assigned by software. As the memory element, a static RAM that does not require a refresh operation or a flash memory that does not require a battery backup can be used.

The personal identification number storage unit 23 is a part in which a personal identification number unique to each IC card is stored, and this personal identification number is stored by writing it into a RAM or burning it into a ROM. When the password is stored in the RAM, the password can be rewritten. However, the rewriting operation itself is restricted so that only a person having a specific authority can perform the rewriting operation. I have. The security code is stored in a secret or encrypted form inside the IC card, and its contents cannot be viewed through an external device in normal operation. Even if it can be read out, the security code is encrypted and the raw security code is stored. It is designed so that the number information cannot be obtained. The access restricting unit 24 has a function of restricting access from the external device to the present IC card by verifying the coincidence with the password stored in the password storing unit 23. The IC card is attached to a credit inquiry machine and a data management computer to exchange data with these external devices. When exchanging data with these external devices, it requires the input of a password from these external devices, Unless the input personal identification number matches the personal identification number stored in the personal identification number storage part 23, the access to the invalid number storage part 21 and the transaction content storage part 22 in the IC card is not permitted. As the IC card B, one equipped with a microprocessor is used, and the protection function is realized by the operation of the microprocessor. IC
By providing the card with a protect function, it is possible to prohibit falsification of the stored contents and illegal reading, and data can be exchanged accurately between the taxi and the business office with high confidentiality. Further, such attachment to the IC card B and the external device is performed via the magnetic coupling unit 25. Magnetic coupling refers to a sheet coil provided inside an IC card,
A pair of a sheet coil provided inside a mounting portion of a counterpart device to which the C card is mounted is magnetically coupled to each other, and an IC is provided.
In this method, data is exchanged between the card and the other device without contact. According to this method, the IC card does not require exposed contacts, so that a contact failure does not occur, and durability can be exerted against frequent card insertion / removal or surface contamination due to dust or the like. In addition, since the contacts are not exposed and power can be supplied by magnetic coupling, the card can have a completely sealed structure, and waterproofness can be imparted.

As the credit inquiry machine A, for example, a portable terminal (handy computer) is used as shown in FIG. The portable terminal device is provided with an IC card B, a magnetic coupling unit for IC card 1 for exchanging data with the IC card, and a credit card D inserted through the credit card D.
A card reader 2 for reading the type and number of a card from a PC, a key input unit 3 for inputting a password for a credit card and a usage amount and a password for accessing an IC card when starting access to the IC card, A printing unit 11 for printing and a display unit 7 for displaying a usage amount, a judgment result of a credit inquiry, and other related information are provided. Further, there is also provided a voice notification unit 4 for notifying the determination result by a synthetic voice and providing voice guidance on the operation method of the mobile terminal and other related information.

As the card reader 2, a magnetic data reader is used. This is because there are many magnetic cards among the credit cards currently in circulation. If the credit card is an IC card or an optical card, it goes without saying that a card reader corresponding to these is used.
Some credit cards D do not have magnetic data written thereon. In such a credit card, the card reader 2 is not used. Note that the card reader 2 may be configured separately from the credit inquiry machine A so that the passenger can operate the card reader 2 as necessary. The key input unit 3 is used for inputting a password of a credit card, inputting a usage amount and a password for accessing an IC card when starting access to the IC card, and is mainly composed of a numeric keypad. In the case of a credit card having no magnetic information, the input of the credit card number is also performed by the key input unit 3. Key entry of the IC card access password is performed only when the IC card is inserted at the start of business or when the IC card is removed at the end of business. The input of the personal identification number for the IC card accession is not carried out by hand input from the key input unit 3 but is carried by the ID carried by each crew member.
The card may be read by passing the card through the card reader 2. Although not shown, when the taxi fare data calculated by the taxi meter is configured to be directly input to the credit inquiry machine, if the purpose of use of the credit card D is to pay the taxi fare, manual input of the usage amount can be omitted.

The printing unit 11 is for printing out the contents of the transaction, and the output documents are stored by the passengers and taxi companies as transaction contents certificates. Preferably, the output document is provided with a passenger signature field. The printing unit 11 can also be used as a printer attached to the taxi meter for issuing a receipt.

The display section 7 is a section for displaying the amount of use, the judgment result of the credit inquiry, and other related information. In the illustrated example, a liquid crystal display is used. The voice notification unit 4 notifies the judgment result, for example, "This card is an invalid card" with synthesized voice, and "Thank you for boarding.
The fare is 4600 yen. , Etc., and a voice guidance for operating methods of other mobile terminals, and is mainly constituted by a voice synthesis chip.

As shown in FIG. 2, a reading section 5 for reading invalid number information from an IC card B mounted on the IC card magnetic coupling section 1 inside the portable terminal, and an IC card for accessing the IC card B B to obtain an access right to B, the personal identification number input from the key input unit 3 etc.
A password transmitting unit 8 for transmitting to the card B, a determining unit 9 for comparing the credit card number input from the key input unit 3 with invalid number information to determine whether the inquiry card is an invalid card, a key input unit And a writing unit 6 for writing transaction contents such as credit card type, number, and usage amount input to the portable terminal by the card reader 2 or the card reader 2 into the transaction content storage unit 22 of the IC card B, and a control unit for controlling these. 10 are provided. From the secret code sending unit 8 to I
As described above, the password is transmitted to the C card B only immediately after the IC card is inserted at the start of business and immediately before the IC card is removed at the end of business, and the password is input to the password transmitter 8 by key input. The input may be manually input from the unit 3 or the crew ID card may be read using the card reader 2. The present embodiment is a case where the IC card B is always attached to the portable terminal device as the credit inquiry machine A. However, as another embodiment, the IC card B is inserted into the portable terminal only at the start of business operation or at the end of business operation. A usage mode in which the data is transferred by attaching to the device A and the IC card B is detached from the credit inquiry device A in other cases is also considered. FIG. 3 shows a configuration of a credit inquiry machine capable of coping with such a use mode. In this credit inquiry machine, a memory 12 capable of storing invalid number information and transaction contents is interposed at the preceding stage of the writing unit 6 and the reading unit 5, so that it is not necessary to always mount an IC card. The realization of such internal functions of the mobile terminal may be realized by a dedicated circuit or by a software program. Since the portable terminal as a credit inquiry machine is small, it can be placed anywhere in the vehicle without hindrance, but it is generally hung near the driver's seat using a string or the like.

The data management computer C is installed in a sales office. The data management computer C is provided with an IC card magnetic coupling unit 31 as an IC card mounting unit. The invalid number information read from the invalid number storage unit 35 via the IC card magnetic coupling unit 31 is stored in the IC. A writing unit 32 for writing to the card B, a reading unit 33 for reading credit card usage information from the IC card transaction content storage unit 12, and a password for sending a password for the IC card when accessing the IC card B. Number sending unit 36,
Further, a control unit 37 for controlling these is provided. And these main parts are carried by the computer main body C1. In the illustrated example, the IC card mounting section 31 is formed separately from the computer main body C1, but the IC card mounting section may be incorporated in the computer main body C1.
The personal identification number to be sent to the IC card via the personal identification number sending unit 36 may be input manually from the keyboard of the computer main body C1, but since the data management computer is installed in the business office, unauthorized use is not possible. Considering that the possibility is relatively low, a method of reading a master PIN code through a card reader (not shown) that registers a master PIN code in which access rights to all IC cards are guaranteed is registered. Adopting or automatically identifying the IC card in which the computer main body C1 is mounted, searching the database for a password corresponding to the IC card from the database, and entering the password into the I
It is possible to adopt a method of sending the information to the C card.

The computer main body C1 has a function of managing the latest data of the invalid number information periodically sent from the credit company and transferring it to the credit inquiry machine A via the IC card B. The transaction contents of each vehicle accumulated in the IC card B are totalized to manage the transaction contents by the credit card of the whole business office, and the credit company is charged based on the result of the aggregation. In addition, the results of aggregation at each sales office are sent to the head office via a communication line, magnetic tape, floppy disk, etc., and the use of credit cards at all offices is aggregated and processed by the host computer at the head office. In some cases, a fee is charged.

In the above-described embodiment, a portable terminal is used as the credit inquiry machine A. However, a credit inquiry machine installed in a vehicle may be used instead of the portable terminal. FIG. 4 shows an embodiment using an in-vehicle type credit inquiry machine A 'having substantially the same size as a taxi meter. This credit inquiry machine A 'is composed of a key input section 3' and a printing section 6 'which are separate from the credit inquiry machine main body A1.
It is composed of The signal input from the key input unit 3 'to the credit inquiry machine main unit A1 may be performed by a wired connection as shown in the figure, but may be wireless by using infrared rays or the like.

FIG. 5 shows an operation form of such a credit card use management system. Here, a case where the taxi fare is paid using a credit card will be described as an example. The following circled numbers correspond to the steps with circled numbers in the figure. The latest invalid number information is sent from the credit company to the taxi company office. The invalid number information is transmitted through a communication line such as a public line or a dedicated line, or is recorded on a floppy disk or a magnetic tape and transmitted. If the invalid number information is frequently updated, it is suitable to send the information via a communication line. The invalid number information may be sent to the sales office via the taxi company headquarters as indicated by "" in the figure. The invalid number information registered in the data management computer is copied to an IC card. It is mounted on a credit inquiry machine mounted on a taxi vehicle, and exchanges data between a data management computer and an IC card.
When transferring data between C card and credit reference machine,
Prior to the transfer of the data, an input of an IC card access password is required. When the operator inputs the password in response to this request, the validity of the password is verified inside the IC card, and it is confirmed that the input password matches the password managed by the IC card. Then, data transfer is executed for the first time. The mounting of the IC card may be before the start of business or after the end of business. As will be described later, it is necessary to transfer the transaction contents stored in the IC card to the data management computer installed at the sales office after the closing of the business. If you do it, one day a day
Copying of invalid number information and transfer of transaction contents can be performed in a single mounting operation. When a passenger offers to pay a taxi fare by credit card, a credit card credit inquiry is made. When the credit card has magnetic information, the credit card is read by the card reader 2, the personal identification number and the usage amount are entered from the key input unit 3, and the credit card is checked by the determination unit 9. It is determined whether or not the card is invalid. If the card is not an invalid card, the transaction is processed as valid, and the details of the transaction are printed out and a passenger signature is requested. If it is invalid, "This card is invalid."
With a synthetic voice. If the credit card does not have magnetic information, the card reader 2 is not used, and the credit card type, number, and usage amount are input from the key input unit 3 and the determination unit 9 determines whether the card is an invalid card. Is determined. If the card is valid, the transaction is processed as valid, and the details of the transaction are printed out to obtain the passenger's signature. In this manner, the transaction contents determined to be valid are accumulated in the IC card. When you return to your sales office after one day of business driving,
The IC card is removed from the credit inquiry machine, the IC card is attached to the data management computer, and the transaction contents stored in the IC card are transferred to the data management computer C. At this time, if the invalid number information is copied as described above, the IC card can be mounted on the data management computer only once a day. Also at this time, the input of the IC card access password is required, and the IC card access password is verified. The data management computer C counts and analyzes the transaction contents read from all the vehicles, and calculates the amount charged for each credit company. The credit company is requested to pay a taxi fare based on the calculated billing amount. Taxi fares from taxi companies to credit companies may be billed individually by each sales office, as described above. After that, you may charge the taxi fare to the credit company, which will send a taxi fare bill to taxi users at a later date.

According to the credit card use management system of the present invention, the credit inquiry of the credit card can be made immediately, and the credit inquiry can always be made based on the latest invalid number information. Credit can be significantly increased. Further, since the reading and writing of the IC card are strictly protected, the data stored in the IC card will not be changed to a dormitory or used illegally. In the above embodiment, the case where a credit card is used to pay the taxi fare has been described. However, the present system can be used to create a completely new business type of selling goods in a taxi car.

FIG. 6 shows a credit inquiry machine when the present system is constructed so as to be adapted for selling goods in a taxi car. In this embodiment, the credit inquiry machine is equipped with a display device 14 for displaying product information and a CD-ROM reproducing device 13, and the product information stored in the CD-ROM is displayed on the display device 14 as a color image. It is configured as follows. The display device 14 is provided with a speaker 15 so that voice guidance is provided as needed. As the display device, a liquid crystal display device is preferable because it is thin, but a CRT display can also be used. Since the CD-ROM reproducing device 13 has a large capacity, it can reproduce not only a still image but also a moving image, and can provide clear and detailed product information. IC without CD-ROM playback device 13
It is also possible to mount a large-capacity memory on a card and use it as a storage medium for product information. The image is stored in a CD-ROM or an IC card by using a compression technique.

In order to select a desired product from the products displayed on the display device 14, the key input unit 3 'mainly using the above-described ten-key arrangement can be used. Although not shown, a cursor movement key is provided in the key input section 3 'so that a desired product to be purchased can be designated by the cursor movement key, or a desired product is touched on the screen by disposing a touch panel on the front of the display device 14. One-touch designation may be made with. In such a group of devices, the main body of the credit inquiry machine is placed close to the crew, and the key input unit 3 'and the display device 14 are installed within the reach of the passenger. The display device 14 can be embedded in the back of the front seat or can be arranged between the driver seat and the passenger seat. In addition to ordinary goods, such in-vehicle shopping includes reservations for hotels and inns, as well as Shinkansen tickets and air tickets. In this example, a fixed-in-car device is used as a credit inquiry machine, but it is of course possible to use the portable terminal shown in FIG. 1 instead of this device. However, in this case, the CD-ROM playback device needs to be configured separately.

[0031]

According to the present invention, a taxi fare can be given and received by a credit card in a taxi after performing a credit inquiry, so that the use of an invalid card can be completely prevented. Also, since the credit inquiry is performed by the credit inquiry machine, it is quick and simple, does not offend passengers, and the invalid number information managed by the credit inquiry machine is I
Since the information is updated daily or periodically via the C card, the credit inquiry can be always performed based on the latest data, so that the reliability is high. Further, since the present invention obtains invalid number information from an IC card storing invalid number information, the telephone line is not used for credit inquiry, so that the cost is low and the building is not affected by radio wave interference. Even in urban areas or in mountainous areas where radio waves are difficult to reach, there is no hindrance to work. In addition, since an IC card having a function of verifying a personal identification number is used for reading and writing, it is possible to completely prohibit access to the IC card without a rightful right holder, and to store data in the IC card between a taxi and a business office. Can be prevented from being stolen or tampered with. Also, in particular, since the present invention employs a configuration in which the transaction contents are stored in the IC card, the credit card usage results for that day can be immediately tabulated for the entire business office or all business offices and charged to the credit company. There is no delay in fund collection, and business operations are simplified.

Further, if the judgment result is notified by voice as described in claim 3, it is not necessary for the crew to notify the passenger of the invalid card, and the burden on the crew can be reduced. it can.

In the case where a display for displaying product information is provided in the vehicle and means for selecting and specifying a product desired to be purchased from the products displayed on the display is provided, a taxi ride time is used. To enjoy shopping, book hotels and inns, and even book railway and airplane passports.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing an outline of a credit card use management system of the present invention.

FIG. 2 is a simplified block diagram expressing each device constituting the credit card use management system of the present invention from a functional aspect.

FIG. 3 is a simplified block diagram showing another embodiment of the credit inquiry machine;

FIG. 4 is an explanatory diagram showing an outline of a credit card usage management system when a credit inquiry machine of a fixed installation type in a vehicle is used.

FIG. 5 is an explanatory diagram showing an overall outline of an operation mode of the system of the present invention.

FIG. 6 is an explanatory diagram showing a configuration of a credit inquiry machine when the present system is applied to in-vehicle article sales.

[Explanation of symbols]

A, A 'Credit inquiry machine A1 Credit inquiry machine body B IC card C Data management computer D Credit card C1 Computer body 1 IC card magnetic coupling unit 2 Card reader 3 Key input unit 4 Voice notification unit 5 Reading unit 6 Writing Unit 7 display unit 8 password transmission unit 9 determination unit 10 control unit 11 printing unit 12 memory 13 CD-R
OM playback device 14 display device 15 speaker 16 speaker 17 21 invalid number storage unit 22 transaction content storage unit 23 password storage unit 24 access control unit 25 magnetic coupling unit 26 control unit 31 IC card mounting unit 32 writing unit 33 reading unit 34 Data processing unit 35 Invalid number storage unit 36 PIN transmission unit 37 Control unit

Claims (5)

(57) [Claims] 1. An invalid number storage unit for rewritably storing invalid number information, which is card number information of an invalid credit card, capable of rewriting the type, number and usage amount of a credit card used during business hours of a day. The transaction content storage unit that accumulates and stores the password, the password is registered in a confidential or encrypted state, and the read / write to the invalid number storage unit and the transaction content storage unit is input via an external device at the time of access. An access control unit that checks an input personal identification number against a personal identification number registered in the personal identification number storage unit to determine whether reading or writing is possible, and invalid number information from the invalid number storage unit of the IC card. Reading unit that reads directly or indirectly, a card reader that reads the type and number of the credit card to be credit-inquired, credit An input unit for inputting a password of the card and a usage amount, verifying the consistency between the credit card number read by the card reader and the password input from the input unit, and reading the credit card number from the reading unit. A determination unit that determines whether or not the inquiry card is an invalid card by collating with the invalid number information read by the IC card, and stores the transaction content input from the card reader and the input unit in the transaction content storage unit of the IC card A writing unit for writing directly or indirectly to the IC card, reading the invalid number information from the invalid number storage unit of the IC card, and writing the transaction content to the transaction content storage unit in the IC card, using the personal identification number for IC card access. An in-vehicle credit reference machine having a password transmitting unit for transmitting to an IC card; Writing unit for writing invalid number storage unit that accumulates the number information, the invalid number information read from the invalid number storage unit disables number storage unit of the IC card,
A reading unit for reading the credit card transaction contents used during the business hours of the day from the IC card transaction content storage unit, a data processing unit for counting and processing the read data, and an invalid number information to the IC card Write and I
A data management computer installed in a business office, comprising: a password transmitting unit for transmitting a password for accessing the IC card to the IC card when reading the transaction content from the transaction content storage unit in the C card; , Consisting of a credit card usage management system in a taxi. 2. An invalid number storage unit for rewritably storing invalid number information, which is card number information of an invalid credit card, capable of rewriting the type, number, and usage amount of a credit card used within one business day. The transaction content storage unit that accumulates and stores the password, the password is registered in a secret or encrypted state, the password storage unit, the invalid number storage unit, and the read / write to the transaction content storage unit are input via an external device at the time of access. An access control unit that checks an input personal identification number against a personal identification number registered in the personal identification number storage unit to determine whether reading or writing is possible, and invalid number information from the invalid number storage unit of the IC card. A reading unit for directly or indirectly reading a credit card, an input unit for inputting the type and number of a credit card to be credit-inquired, and a use amount, The determination unit that checks the credit card number input from the input unit with the invalid number information read by the reading unit to determine whether the inquiry card is an invalid card. A writing unit for writing the contents directly or indirectly to the transaction content storage unit of the IC card, reading of invalid number information from the invalid number storage unit of the IC card, and reading of transaction content to the transaction content storage unit in the IC card An in-vehicle credit reference machine having a personal identification number transmitting unit for transmitting a personal identification number for accessing the IC card to the IC card at the time of writing, and an invalid number storage unit storing invalid number information of invalid credit cards; A writing unit that writes the invalid number information read from the invalid number storage unit to the invalid number storage unit of the IC card;
A reading unit for reading the credit card transaction contents used during the business hours of the day from the IC card transaction content storage unit, a data processing unit for counting and processing the read data, and an invalid number information to the IC card Write and I
A data management computer installed in a business office, comprising: a password transmitting unit for transmitting a password for accessing the IC card to the IC card when reading the transaction content from the transaction content storage unit in the C card; , Consisting of a credit card usage management system in a taxi. 3. A notification of a judgment result by a judgment unit by voice.
Claim 1 or 2 wherein the speech synthesizer is incorporated in a credit inquiry machine.
Is a credit card for a taxi as described in any one of 2.
Card management system. 4. A display for displaying product information in a vehicle.
Is the product installed and displayed on the display?
Means to select and specify the product you want to purchase
The method according to any one of claims 1 to 3, which is provided as a body or a separate body.
Credit card use management system for the taxi mentioned
Tem. 5. A credit card according to claim 1 or 2.
This is the operation method of the usage management system .
The IC card removed from the credit reference machine is
Attached directly or indirectly to the data management computer
The day of the day stored in the transaction content storage section of the IC card
Credit card transactions used during business hours
Transfer the contents to the data management computer,
From the data management computer to the IC card invalid number storage
Transfer the latest invalid number information to the IC card
In a taxi by updating the invalid number information of the taxi
How to operate a credit card usage management system.