JP2923995B2 - Payment method for multi-service terminals - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial Application Field] The present invention relates to a composite service terminal, that is, a fee settlement in a composite service terminal which is connected to a communication line and enables various services, especially information sales and cash services. About the method.

[Conventional technology]

Conventionally, such terminals have been independent services such as a simple public telephone fax service, a copy service, and an information guidance service. In addition, each payment was made by cash and prepaid card.

On the other hand, apart from these services, bank cash services are provided by bank branches and automated teller machines (ATMs, CDs, etc.) installed in special places,
This system is completely different from the above-mentioned call or guidance service. This bank's cash service has an ID
Personal authentication is performed using a card, which is different from the general information service described above.

Regarding this, for example, the Electronic Information Communication Handbook, edited by the Institute of Electronics, Information and Communication Engineers, Vol. 29, published by Ohmsha, 1
988) will be helpful.

[Problems to be solved by the invention]

In the above prior art, each service is executed separately, and no consideration is given to a method of connecting these services to a plurality of service nets for providing a composite service.
There are various types of payment methods, such as those determined by the time unit, such as telephone calls, and methods for collecting fees for each case, such as information guidance. These methods can be handled simultaneously. Did not. Also, there was no way to authenticate individuals with an ID card and withdraw charges from a bank account.

The present invention has been made in view of the above circumstances, and an object of the present invention is to solve the above-described problems in the conventional technology and to connect to a plurality of service nets in providing the various pay services as described above. Another object of the present invention is to provide a charge settlement method in a combined service terminal that can execute services with different charges in a complex manner and that can use not only cash but also an ID card or a prepaid card.

[Means for solving the problem]

The object of the present invention is to provide a telephone (2) for call service, a display unit (4) for displaying information and guidance,
Operation unit (9), ID card reader (3), prepaid card reader (5), cash dispenser (banknote depositing / dispensing unit 7, coin depositing / dispensing unit 8), form printer (document 6), and service provider It has a charge totalizing means for each service, and connects to one service network selected by the operator from a plurality of provided services (for example, telephone, fax, credit, guidance, reservation, bank transaction, etc.), and Based on information from the network, receive online services other than calls,
A fee settlement method in a multi-service terminal capable of making a payment with cash, a prepaid card, or an ID card, wherein when receiving the selected online service,
In the case of payment by cash, payment is made by receiving online services within the range of cash input,
In the case of payment with a prepaid card, you receive online services within the balance of the prepaid card and make payment by reducing the balance by the fee of the received online service, and in the case of payment with an ID card, After confirming the legitimacy and password of the online service, receive the online service within the limit of the usage limit, settle the fee by reducing the usage limit by the fee of the received online service, and pay for each service provider This is achieved by a fee settlement method for a composite service terminal, characterized in that settlement between service providers is performed based on the fee aggregation means of (1).

[Action]

In the composite service terminal according to the present invention, after allowing the user to select the type of service desired, the user first connects to the service net providing the service and provides the service based on the information of the net. , Settlement of fees
When using an ID card, the information on the ID card is used to connect to a network that allows personal authentication, so that the user can receive various services using the display unit and operation unit of the terminal, In addition, various payment methods can be selected.

Further, in the fee settlement method for a composite service terminal according to the present invention, the method of the fee settlement is diversified by using the terminal configured as described above.

〔Example〕

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 3 is an external view of a composite service terminal showing one embodiment of the present invention. In the figure, reference numeral 1 denotes the present composite service terminal, and reference numeral 2 denotes a telephone or a videophone, and when the handset is taken off, the same call service as that of an outpatient can be received. Reference numeral 3 denotes an ID card reader into which a card such as a credit card or a cash card for guaranteeing a settlement fund is inserted. Reference numeral 4 denotes a display, which displays operation guidance and also displays screen information. A prepaid card reader 5 inserts a card such as a telephone card. Reference numeral 6 denotes a document section for inserting a fax transmission paper or discharging a reception paper.
Alternatively, the printout of information is carried out.

Reference numeral 7 denotes a banknote pay-in / pay-out section of the cash pay-in / pay-out device, which performs banknote pay-in and pay-out. Reference numeral 8 denotes a coin depositing and dispensing unit of the cash dispensing machine for depositing and dispensing coins. An operation unit 9 performs an input operation necessary for receiving a service by using a button or a touch panel set on a display unit. Each of the above-mentioned components is the first
As shown, it is connected to a control unit 10 including a microprocessor. In FIG. 1, the video disk and the CD ROM record image information, audio information, and the like. The line control unit 11 has an interface for connecting to a generally open telephone network, packet network, ISDN, or the like.

FIG. 2 shows an example of a service providing network connected via the above line network. The above-mentioned composite service terminal can receive each service from the other party shown in FIG. 2 as a connection destination.

(1) Connect to the telephone network in a general home, and call or fax to your home or office from wherever you go.
To exchange information.

(2) Information service network Connect to a service network such as a captain to provide information on events, reserve transportation, theaters, sports, hotels, inns, etc., issue reserved seat tickets, or provide road information and various other information services. receive.

(3) Bank service net Connect to a bank service net, and use a cash card to receive bank transaction services such as cash deposit / withdrawal, account balance inquiry, transfer or transfer. (4) Credit Service Net Connect to the credit company's service net to receive a credit card cashing service (cash lending), catalog sales application acceptance service, etc.

(5) Financial service net Connected to a financial institution service net to display financial information (various financial rates, stock price information, etc.), provide investment consultation, and sell stocks and bonds.

Each of the above-mentioned services is shown as an example, and various services can be considered. These services are selected on the guidance screen shown in FIG. 4 (a), for example. FIG. 4 (b) shows a configuration for executing the above-mentioned service. When the user selects each service according to the guidance display, each service is executed. Here, the telephone service is made available as usual by lifting the handset and dialing. Hereinafter, each service will be described in detail.

(1) Telephone service FIG. 5 is a processing flow of the telephone service. When the user removes the handset (ST = step 1) and inserts a cash or prepaid card (for example, a telephone card) in the same manner as an ordinary public telephone (step 2), it can be used. Here, when making a call using a credit card, the process proceeds to step 3. Step 3 is a flow of a credit card use process as shown in FIG. First, in step 27, a card insertion instruction is displayed on the display device. When the user inserts the card in step 28, the card is read and the card issuer is confirmed (steps 29 and 30). Based on this information, dial and connect to the Card Services network (step 3
1). Further, the information of the card is transmitted (step 32),
Check the validity of the card, for example, the expiration date, the presence or absence of an accident, etc., and receive the result (step 3
3).

If the check is OK, a password input instruction is displayed.
If NG, return the card and reject it (steps 35 and 3
6). When the user enters the password, the data is transmitted and the password is checked (steps 37 to 3).
9). If the check is OK, the user's usage limit and the transaction permission number are received. The usage limit and the transaction permission number are stored in the memory of the control unit until the service is completed. Then, disconnect from the service net. If the security code check is NG, the card is returned and rejected (steps 40 to 44). By the above processing, the payment by the credit card is guaranteed (No. 5).
FIG. 4).

Returning to FIG. 5, the description of the telephone service will be continued. When the payment of the fee is guaranteed, the dialing of the telephone becomes valid, and it is possible to make a telephone call (steps 5 to 7). Here, when a signal (charging pulse) notifying the end of each frequency is received from the telephone network, the unit fee is stored in the case of cash, and 1 is subtracted from the remaining frequency of the card in the case of a prepaid card. If the cash balance becomes zero or the prepaid card balance becomes zero,
If an additional fee is charged and the addition is made, the service is continued as it is.
~ 16).

If the charge is a credit card payment, the charge is received and stored first, the unit charge is reduced from the use limit amount each time, and the charge is added (steps 17 to 20). . If the usage fee exceeds the limit, in this case also, an additional fee is charged and the service is continued if there is an addition, and the line is cut off at a predetermined time if there is no addition (steps 17 to 20). Here, the fee settlement is
According to the flow of the settlement processing of the credit car as shown in FIG. 6 (b).

In FIG. 6 (b), when the service is completed, the card is reconnected to the service net of the card, and the transaction permission number received earlier is transmitted to inform which card is used for the transaction. Send the amount used for this transaction. This amount will be deducted from the card's registered account at a later date. When this communication ends, the communication network is disconnected from the service net, and the settlement processing ends (steps 45 to 49). When the settlement process is completed, the process returns to FIG. 5, and in step 21, the card is returned and the process ends.

The user continues the call and returns to the handset when finished.
As a result, the line will be disconnected, and if cash, the balance will be returned,
In the case of a prepaid card, it is updated to the frequency used less and returned. In the case of a credit card, a credit card settlement process is performed, the card is returned, and the process ends.

(2) FAX service FIG. 7 is a processing flow of the FAX service. This fax
Basically, the service charges are determined by the number of lines used, but to prevent a shortage during the transmission,
Set a fee per card for each area where the notice was sent, and ask the user to enter the area and number of cards when starting the service.
Provides guidance display. When the user enters these, the fee is calculated and charged. The fee may be paid by any of cash, a prepaid card, and a credit card. When the fee is guaranteed, the dial is activated (steps 50-54). When the user dials and connects with the other party, the charge is stored at the first billing pulse. Here, transmission is started, and when transmission of the specified number of sheets is completed, the line is disconnected (steps 55 to 62). Thereafter, the balance is returned, the prepaid card is renewed, the credit card is settled and returned, and the process is terminated (steps 63 to 70).

(3) Guidance and reservation service FIG. 8 is a processing flow of the guidance and reservation service.
In this service, first, a serviceable menu is displayed, and a requested one is selected from the menu. For example, information on the availability of trains, theater guidance, sports guidance, and the like. The providers of these information are different service nets, and the user selects a service, and then connects to the information net (steps 71 to 73). When connected to the service net, the type of necessary information is displayed more finely and selected. For example, if the train is vacant, a required item such as a bullet train or a conventional line is designated (step 74).

Here, if the selected service is charged, the charge amount is displayed and the charge is accepted. The fee is accepted by cash or credit card. In the case of a credit card, steps 27 to 44 described above are executed. When the fee has been received, the service is started (steps 75 to 78). The service is displayed on a display or provided by printing out in a document section (steps 79 to 81). Here, in the case of making a reservation for a seat based on this information, if the reservation is free, the reservation is accepted as it is, a registration slip is printed and issued, and the process is terminated. If the reservation is for a fee, the fee will be charged as in the case of the paid service. If the amount is guaranteed, the reservation will be accepted and a receipt or reservation ticket will be printed out, and cash and credit card will be returned. And ends (steps 83 to 90).

(4) Bank Service FIG. 9 is a processing flow of the bank service. Banking services are the same as ordinary ATMs, such as payment of deposits, deposits,
Services such as balance inquiry and transfer can be received. The user first selects a desired transaction. The example of FIG. 9 shows a flow when cash payment is selected. When payment is selected, insertion of a cash card is instructed. When the card is inserted, the card is read, and the issuing bank of the card is confirmed (steps 91 to 94). After confirming the bank, connect to the service net of the bank and send the card information. The bank checks the validity of the card based on the information and responds (steps 95 to 97).
If the check is NG, return the card and reject it. If the check is OK, the user is prompted to enter a password, and the password is transmitted to check the password (steps 98 to 101).

Here, if the check is NG, the card is returned and rejected. If the check is OK, the payment amount is input and transmitted (steps 102 to 104). If the payment amount is smaller than the balance, the payment permission is answered and the balance of the account is updated. Upon receipt of the payment authorization, the banknote is counted and a transaction statement is printed. Thereafter, the cash, the statement, and the card are returned, and the service net is disconnected and terminated (steps 105 to 109).

The above is a service in the case of payment. In the case of a deposit service, a balance inquiry service, and a transfer / transfer service, the bank is similarly confirmed from the card and the transaction is executed (steps 110 to 112). These services are performed in the same manner as a general ATM.

(5) Credit catalog sales FIG. 10 is a processing flow of credit catalog sales. In this service, a product catalog is displayed on a display and a purchase application is accepted. First, the credit card use process, steps 27 to 44, are executed. Thereby, the price of the product that can be sold is stored in advance. Then, a menu of products is displayed, and a purchase item is selected from the menu (steps 113 to 115).

When a product is selected, it connects to the net where the product is sold, and receives and displays detailed information of the product therefrom.
Here, it is determined whether or not to purchase this product, and if not, the card is returned and the process ends. When purchasing, a contract is input and displayed, and the contract is entered to make a reservation for the product. The contents of the contract are printed out as a contract and passed to the user together with the card (steps 116 to 121). The charge is deducted from the user's account via the credit company from the seller of the product.

(6) Financial information service FIG. 11 is a processing flow of the financial information service. This service connects to a financial service net and displays stock price information, foreign exchange information, the contents of financial products, and the like (steps 122 to 125). Here, for example, when purchasing stocks, the same processing as catalog sales may be performed.

Although not explicitly described in the above description, it is necessary to sufficiently consider the production of the fee received or paid by the service terminal. That is,
In this type of terminal, the service provider is a plurality of business entities, and it is necessary to produce a fee for each business entity. To address this, a method of providing the terminal with a charge totaling function for each business entity and printing out the totaling result to make a payment, a method of directly transferring the result to each account, and the like are conceivable.

In addition, the above-mentioned video disk and CD ROM contain
If guidance information, a catalog of a simple product, and other information are stored and appropriately used for grinding, application work can be enhanced.

As described above, the operation of this embodiment has been generally described, but the present invention is not limited to this, and can be applied to various fields.

〔The invention's effect〕

As described in detail above, according to the present invention, it is possible to connect to a plurality of service nets, and also to handle the method of receiving fees, both those stored in hourly units and those received at a fixed rate With a single terminal, a wide range of services can be supported, and the payment of that fee can be done not only with a prepaid card but also with an ID card. It is also possible to provide a bank cash service and the like, which has a remarkable effect that a composite service terminal capable of providing a true composite service can be realized.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an example of the internal configuration of a composite service terminal showing one embodiment of the present invention, FIG. 2 is a diagram showing an example of a service network, FIG. 3 is an external view of the composite service terminal of the embodiment, FIG. 4 (a) is a diagram showing an example of a guidance screen of the display, FIG. 4 (b) is a configuration diagram for executing a service,
FIG. 5 to FIG. 11 are processing flowcharts of various services. 1: composite service terminal, 2: telephone or videophone, 3:
ID card reader, 4: display, 5: prepaid card reader, 6: document section, 7: banknote deposit / withdrawal section, 8: coin deposit / withdrawal section, 9: operation section, 10: control section, 11: line control section.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁶ identification symbol FI H04M 3/42 G06F 15/30 M 15/12 Z H04L 13/00 317 (58) Fields surveyed (Int. Cl. ⁶ , DB Name) H04M 11/00-11/10 H04M 15 / 12,3 / 42 G06F 13/00 354 G06F 19 / 00,157: 00 G06F 1/00 370 H04L 29/12

Claims (1)

(57) [Claims] 1. In addition to a telephone for a telephone call service, a display unit for displaying information and guidance, an operation unit, an ID card reader, a prepaid card reader, a cash dispenser, a form printer, and a totalization of charges for each service provider. Means for connecting to one service network selected by the operator from a plurality of provided services, receiving online services other than telephone calls based on information from the service network, and providing cash, prepaid card, Or a method of payment in a multi-service terminal capable of performing payment by an ID card, wherein when receiving the selected online service, in the case of payment by cash, the online service is provided within a range of the inserted cash. Payment is made by receiving the payment, and in the case of prepaid card payment, the range of the balance of the prepaid card is Payment is made by receiving the online service and reducing the balance by the amount of the online service received.In the case of payment by ID card, after confirming the validity and PIN of the card, the usage limit Receiving the online service within the scope of the above, and performing the payment by reducing the usage limit by the amount of the received online service, and performing the settlement between the service providers based on the fee aggregation means for each of the service providers. A fee settlement method in a composite service terminal, characterized in that the method is performed.