JP3293787B2 - Cashless media - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cashless medium used in an electronic wallet system which enables cashless transactions during commercial transactions.

[0002]

2. Description of the Related Art The main measures taken to reduce cash in the past are as follows.

[0003] In a transaction using a credit card, an individual customer who is permitted to use a credit card by a recommendation from a bank usually presents the credit card for payment when purchasing a product. .
The retailer inquires the credit card issuing company of the credit card, and then charges the credit company for the product. The credit company carries out a series of office work to collectively deduct the billed amount from the customer's deposit account at a later date and deposit it into the retailer's account.

[0004] In a transaction using a bank POS card, an individual customer presents a cash card issued by a bank to a retail store for the purpose of paying out cash from a bank account. The retailer bills the bank via a POS terminal that can directly communicate with the bank's deposit ledger file. The bank immediately removes the amount from the customer ledger and completes the deposit process to the retailer account.

[0005] In a transaction using a prepaid card, the customer first purchases the prepaid card in advance at a store or vending machine in exchange for cash. When the prepaid card is inserted into a vending machine for commodities and necessary operations are performed, the commodities are ejected, and an amount corresponding to the commodity price is subtracted from the prepaid card.

[0006]

In the prior art, there is naturally a limit from the viewpoint of the cashless effect.

[0007] 1. Credit card.

[0008] Retail stores are limited to stores with high-priced goods and high-value-added goods because there is an administrative burden of making a credit inquiry to a credit company for each purchase and creating a billing slip. In order to prevent a shortage of funds at the time of withdrawal of the deposit account and the occurrence of bad debts, only individuals who have passed a certain screening are entitled to use the card.

Second, a bank POS card.

[0010] As a general rule, immediate account withdrawal at the time of shopping is different from normal processing during bank business hours and exception processing during nights and bank holidays. Requested. Since the account is debited for each purchase, the amount of work is increased and the cost is increased.

Third, prepaid cards.

[0012] Due to the nature of prepaid coupons, unified customers who do not repeatedly purchase the same product are not used. With prepaid, customers need to purchase a prepaid card well in advance of the time of purchase,
There is no liquidity at hand. Purchasing prepaid cards requires cash and is not completely cashless.

[0013] Although these cashless measures are becoming effective locally, due to the above-mentioned constraints, they are not likely to be a means that can be used by all for all shopping.

Therefore, the present invention aims at complete cashlessness.

[0015]

SUMMARY OF THE INVENTION An object of the present invention is to provide a cashless medium distributed to a plurality of customers, an automatic transaction terminal, a commercial transaction terminal, and a center device, wherein the center device has A deposit ledger storage unit for storing the account identification information and the amount information, and an unsettled fund unit for adding and storing the amount information transmitted to the plurality of cashless media as unsettled amount information, When transmitting the amount information to the cashless medium, the amount information is subtracted from the amount information of the deposit ledger storage unit, added to the amount information of the unsettled fund unit, and the amount information is received from the commercial transaction terminal device. In this case, the account identification information and the amount information are stored in a cashless medium in the electronic wallet system for subtracting the received amount information from the amount information of the unsettled fund portion. Having a unit, via the automatic transaction terminal device, when communicating with the center device, when transmitting account identification information to the automatic transaction terminal device, when conducting a transaction with the commercial transaction terminal device, This is achieved by providing a cashless medium that transmits amount information corresponding to cash to be traded without accompanying the account identification information and updates the amount information in the storage unit based on the amount information of the transaction. .

[0016]

Embodiments of the present invention will be described below with reference to the drawings.

First, each device will be described.

Cashless media (see Fig. 2) Bank's current cash card (magnetic stripe card)
Instead of this, it is a multifunctional IC card that expands its functions both technically and in terms of application, and has a built-in electronic brain (storage unit and arithmetic unit).

Multifunctional IC as a cashless medium
The card 21 has an arithmetic control unit 211 and an amount information storage unit 212 therein.
The display unit 215 (for example, a liquid crystal display), input keys 216 (function keys and numeric keys), and a contact unit 217 (contact point with the automatic transaction terminal device) are provided on the external surface of the keyword storage unit 213 and the battery 214.

Bank center device (see FIG. 3) The equipment required as a bank center device is a deposit ledger file
321 (for personal account), unsettled funds file 322, retail store ledger file 323 (for retail store account), and medium balance log file 324, and a processing unit 31 (which controls reading and writing of these files). Includes a deposit ledger file control unit 311, an unsettled fund file control unit 312,
A retail store ledger file control unit 313, a medium balance log file control unit 314, and an arithmetic processing unit 310) and a line control unit 33.

Automatic transaction terminal device (see FIG. 4) Normally, a dedicated line is connected to the bank center device. The functions of the automatic transaction terminal device 2 include a medium card read / write unit 411, a medium card control unit 412, an input Operation control unit 413
, An arithmetic processing unit 410 and a line control unit 414.

POS terminal device (see FIG. 5) A card read / write unit 52 is additionally provided to a normal retail store POS register unit 51 which manages sales products individually.

The card reading / writing section 52 has a card reading / writing section 521 and a sales total file 53 as main functions, and a card control section 522 for controlling reading and writing of these, a sales total file control section 524, a POS cash register control section 523, and an arithmetic operation. It comprises a processing unit 520 and a line control unit 525.

The sales totaling file 53 stores the total number 532 and the total amount 533 for each billing destination bank number 531 and stores the total sum 534.

Next, the operation of each section will be described. (1) Basic operation of the media card (see Fig. 6) The information storage section of the media card in the initial state that is handed from the bank to the depositor contains the bank number to which the card belongs,
Key words such as a deposit account number and a card PIN registered by the depositor in advance are stored.

In order to use the medium card, it is necessary to first confirm that the power is on by pressing the power key, and then enter the correct password with the numeric keys to activate the medium. All uses start here.

Before paying out from a deposit account or before shopping,
If you want to check the amount in the media card, press the inquiry key after changing to the operating status card, and the current balance is displayed on the display unit.

Further, when the inquiry key is further pressed, the date of the latest transaction is displayed, and when the inquiry key is further pressed, the amount is displayed. By continuing to press the inquiry key, the dates and amounts of past transactions are displayed in last-in first-out order. This can be used as a household account book.

The operating state card keeps the power-on state as long as it is inserted into the POS cash register or the ATM device, but after being released from the POS cash register or the ATM device, the auto time-off function is used for a certain period of time. After the elapse, the power is turned off. When the power key is pressed while the power is on, the power is turned off. (2) Replenishing the amount of money to the media card (see Fig. 7) To replenish the balance in the card from the deposit account with the automatic transaction terminal device, insert the operating status card by performing a predetermined input operation of the ATM device. In addition, the amount of money in the card is replenished, and the amount is displayed on the display unit, and substitutes for a receipt.

When the ATM device detects the input of the amount replenishment instruction by the transaction selection key and the insertion of the card, the ATM device reads the bank number / account number from the card, confirms its validity, and then inputs the account PIN and the amount. wait. The ATM device that has received these predetermined input operations sends the input amount to the card. The card adds this amount to the balance to calculate a new balance and sends it to the ATM. ATM
Transmits all of these data (bank number, account number, account password, input amount, new balance in the card) to the bank center device.

The bank center apparatus reads the deposit ledger from the deposit ledger file, checks the password, updates the balance and writes it back to the ledger file, updates the unsettled fund file with the total input amount, and updates the medium balance log file. And sends a transaction completion notification to the automatic transaction terminal device indicating that all these processes have been completed.

When the automatic transaction terminal receives this, it sends a transaction completion command to the card, the card rewrites the new balance, creates and stores a transaction record, displays the replenishment amount on the display unit, and completes all operations. . The ATM device confirms that the operation of the card is completed, and releases the card.

Here, corresponding processing is performed for each exceptional case such as a mismatch of account passwords or a shortage of ledger balance.

When there is a surplus balance in the card and the deposit is to be returned to the deposit account, the procedure is slightly different in the steps of inputting the account PIN and checking the same, but the basic procedure is the same except that the increase / decrease of the balance is reversed. Is the same as replenishment payment. (3) Shopping by Card (See FIG. 8) When shopping, when an operating card is inserted into a retail POS terminal, the total shopping amount is subtracted from the card. The display unit of the card released from the POS terminal device displays the deducted shopping amount, and can be used as a collation data with the separately received shopping receipt.

The card reading / writing unit of the POS terminal device is
When detecting the insertion of the operating state card, the system reads the bank number from the card and waits. The POS cash register sends the shopping amount to the card reading / writing unit when the total key is pressed after the totaling of the shopping amount. The card reader / writer sends this to the card. The card rewrites the new balance, creates and stores a transaction record, displays the withdrawn amount on the display unit, and the processing in the card is completed.

The card reading / writing section sums up and stores the sum of money for each bank in the sales totaling file, issues a transaction completion notice to the POS register section, and releases the card. The POS register that has received the completion notification releases the receipt after the tallying of the cash register. (4) Payment of Retail Store Sales to Bank (Refer to FIG. 9) The retail store examines the POS terminal device after finishing business for one day. The card reading and writing unit fixes the sales summary file by the scrutiny input, creates a transmission message by encryption,
The data is transmitted to a designated bank center determined in advance for each POS terminal device.

The bank center decodes the received message and divides it into its own line and another line. First, the money amount of the bank is subtracted from the unsettled fund file, and the money is deposited in the retail store account. The other bank charges each bank through the exchange settlement system, confirms that the withdrawal of the unsettled funds file of each bank has been completed, and deposits it into the retail store deposit account. This completes all payments. (5) Compensation method for media card failure.

[0038] Cash can be used at any time as long as it is not lost,
If the media card fails, it becomes unusable whether it has a balance or not. If you go to a bank and exchange it for a new normal card, but the balance of the failed card is not readable, how to determine the compensation amount and the depositor Do you agree?

First, the bank center searches the medium balance file for the card balance of the card at the time of the most recent transaction. This is the maximum amount of compensation.

Further, the shopping tendency of the card (the slope of the decrease in the amount) is analyzed by a separate statistical method, and the current balance is estimated based on the number of days since the latest transaction to calculate the estimated value balance. I do. According to the law of mass observation, the sum of individual estimated value balances approaches the true balance without limit.
The estimated balance is paid out from the unsettled fund file, and the difference from the amount requested by the depositor is compensated for (within the balance in the medium balance file), and the new card balance is stored and reissued. This difference would normally be overspent from the perspective of the bank, but may be secured by insurance or the like. (6) Hereinafter, the operation of each device of the electronic wallet transaction will be described.

However, the multi-function IC card 21 is used as the cashless medium 1 when performing the electronic wallet processing, the POS terminal device 51 is used as the reading terminal 4, and the automatic transaction terminal device 2 is used as the reading / writing terminal device 2. Shall be used. Description of operation of cashless medium (Fig. 10 (a) to
(d) First, a customer who wants to conduct an electronic wallet transaction needs to write the money amount information for the shopping process into the multifunctional IC card 21 legally issued by the legal issuer. This amount information is stored in the customer and the multi-function I as the cashless medium 1.
This is an amount that can be set arbitrarily within the limit set with the C card issuing parent.

This amount information needs to be stored in the amount information storage unit 212 of the multi-function IC card 21. If the customer knows how much balance is in the amount information storage unit 212 of the multi-function IC card 21, the customer can perform an appropriate replenishment process as to how much money needs to be replenished. .

For this purpose, as shown in FIG.
The customer uses the input key 216 of the multi-function IC card 21 to turn on the power of the multi-function IC card itself. Multifunctional IC
When the power of the card 21 is turned on, the card ON state is displayed by displaying, for example, the numeral digit 0 on the display unit 215 by the card ON state setting in step 611. At this time, if the card is already in an unusable state, it is detected in the card unusable state determining step 612, and in the card unusable state displaying step 621, for example, an x symbol is displayed on the card display unit 215 in the symbol digit. Is displayed to inform the customer that the card cannot be used, and end processing step 6
22 turns off the power of the multi-function IC card 21.
If the card cannot be used, the validity of the card use is checked using a personal identification number set for each customer, which is set in advance in the multifunction IC card itself. It is also possible for the customer to select a password-free password in consideration of the convenience in using the card, and the setting is made when the card is issued. If the security code setting is detected in the non-security code determination step 613, a password mismatch counter initialization step 614 for counting incorrect password input by the customer is prepared for the password input. Next, in a password input waiting step 615, the apparatus enters a state of waiting for a password input by the customer. When the customer inputs a personal identification number with the input key 216, the input is detected by a personal identification number input determining step 616, and is determined by a coincidence determining step 617 with the set personal identification number. Is incremented by one. In the process, it is determined in step 619 whether or not the number of mismatches has exceeded the limit.
At 5, a wrong password is displayed, for example, E is displayed at the numeral digit to notify the customer, and re-input of the password is awaited at step 615. If it is determined in step 619 that the limit has been exceeded, in step 620, the card is disabled in the storage unit in the card, and this state cannot be canceled by the customer thereafter. Next, in a card unusable state display step 621, the display unit 215 displays that the card is unusable, for example, by displaying x in the symbol digit to notify the customer who is the user. Thereafter, the power is turned off in the termination processing step 622, and the processing is terminated. In this way, if the input of the personal identification number is made several times, the multifunctional IC
It can be determined that the card is not a valid owner.
Therefore, once the number of times of incorrect password input is exceeded, the card is always in an unusable state even if the power of the card is turned on, thereby preventing use by a person who is not a valid card owner.

The password entered by the customer is multifunctional I
If the password matches the password stored in the C card, the tenth
As shown in FIG.
In step 1, for example, a symbol 表示 is displayed on the card display unit 215 to notify the customer that the card can be used. As a result, the card is activated, and the customer can check the balance in the card, check the details of the in and out of the card as a process for each card, make a purchase at a store, and pay the amount in the card by the automatic transaction terminal device. Replenishment and refunding from the card to the deposit account. Multifunctional IC
The card 21 detects that these requests are coming,
It is determined in steps 634, 635, 636, and 637 whether power key input, inquiry key input, or communication with the automatic transaction terminal device is communication with the reading terminal at the time of shopping. If the card is left for a certain period of time after the card enters the ready state, it is detected in a time-over determination step 633, and the processing is terminated. The power of the card is turned on / off by a power key set in the input key 216 of the card. If the customer does not turn off the power after activating and processing the card, the card battery 21
4 will be consumed unnecessarily. For the purpose of preventing this, as in the case of the automatic power-off function of a calculator or the like, the power is automatically turned off by the time-over determination step 633 if no input or communication is detected even if a predetermined time has elapsed. .

In the case of replenishing the amount of money to the multi-function IC card 21, it is determined at step 636 that communication is to be performed with the automatic transaction terminal device when the card is inserted into the automatic transaction terminal device.
The contact portion 21 of the multi-function IC card 21
The communication with the automatic transaction terminal device is started via 7.

First, the multi-function IC card 21 notifies the automatic transaction terminal device 2 of the keyword and the bank number stored in the in-card keyword storage section 213 for mutual confirmation. The customer operates the automatic transaction terminal device 2 to withdraw the amount information from the customer's deposit account and replenishes the amount information, and inputs the amount of the replenishment in order to replenish the amount information to the amount information storage unit 212 of the multifunctional IC card 21. . In response, the multi-function IC card 21 waits for a process type from the automatic transaction terminal device 2 in a process type reception waiting step 672. If it is determined in step 673 that the processing type is replenishment processing, the process waits in step 674 for waiting for reception of replenishment amount and date information of replenishment processing from the automatic transaction terminal device 2. When there is a reception, the replenishment amount received from the automatic transaction terminal device 2 and the card balance stored in the amount information storage unit 212 are then calculated in the new balance calculation step 675 by the calculation control unit 211.
Add with The new balance is stored again in the in-card amount information storage unit 212 in the balance information storage unit update step 676. As a result, the amount of money specified by the customer is replenished from the bank account to the storage unit in the card. This new balance is transmitted to the automatic transaction terminal device 2 to be stored in the center processing device in step 677. Next, the replenishment amount and the date are stored in the transaction details storage unit of the multi-function IC card 21 as a record of the execution of the replenishment transaction in step 678. This memory is
LIFO so that customers can refer in order from recent transactions
(Last-in first-out) method.

Operation control unit 2 in multifunctional IC card 21
When all the updating processes by 11 are completed, the replenishment amount is displayed on the display unit 215 in the replenishment amount display step 679.
Then, the multi-function IC card 21 is transferred to the automatic transaction terminal device 2.
The completion of the internal replenishment process is performed in the process completion transmission step 680, and the process is ended by turning off the power in step 681 to the time over detection step 682 or the power key detection step 683 of the input key 216. The customer can confirm the replenished amount by looking at the amount displayed on the display portion of the card discharged from the automatic transaction terminal device 2.

On the other hand, when the customer returns the balance in the card to the deposit account, if the completion of the reception is detected in the processing type reception waiting step 672 from the automatic transaction terminal device 2, in the processing judgment step 684, a return payment processing is performed. Is determined. If the processing type is undefined, a transaction type error is notified to the automatic transaction terminal in a transmission step 689 to the automatic transaction terminal, and the process returns to the card ready state. In the case of the refund processing, a step 68 for waiting for reception from the automatic transaction terminal device
At 5, the amount of the refund and the transaction date are waited for to be received. When the reception is completed, the balance in the card in the refund information storage unit 212 is compared in the in-card balance shortage determination step 686. If the amount of the refund is larger, it is determined that the balance is insufficient, and at step 688, the automatic transaction terminal device 2 is notified that the card balance is insufficient. Thereafter, the control is passed to a card ready state display step 631, and the next input is waited for.

If the balance in the card is larger than the amount of the refund, the refund process becomes possible, and the subtraction step 687 is performed.
, The amount data of the reimbursement is subtracted from the balance data.
Thereafter, the control is shifted to the balance information update step 676 which is the same as the replenishment process, and the balance information storage of the amount information storage unit 212 is updated. The reduced new balance is calculated in step 677.
Notifies the automatic transaction terminal device to be stored in the media balance log file of the center. Then, when the amount of the refund and the transaction date are stored in the transaction statement storage step 678, the amount of the refund is displayed on the display unit 125 in, for example, a numerical expression with a minus sign. Thereby, it is possible to confirm how much the customer has paid back by looking at the display section. Thereafter, the completion of the processing is notified in step 680 for transmission to the automatic transaction terminal device, and the customer waits for the power key input starting from step 681, or waits for an instruction from the customer to turn off the power after a predetermined time in the time over determination step. Since there is a time until the power is turned off in this way, the customer can confirm the transaction processing result with the automatic transaction terminal device by looking at the display unit. Further, even if the power is not turned off carelessly by the customer, the power is automatically turned off after a lapse of a predetermined time, and the consumption of the battery 214 is prevented, and
The display contents of the display portion 215 can be protected from the eyes of others, and can be used to protect privacy.

Next, when the customer inquires about the balance in the card, the past shopping date and amount, or the date and amount of replenishing the card or returning it from the card to the deposit account, the multifunctional IC card The balance stored in the amount information storage unit 212 and the transaction details are displayed on the display unit 215.
Can be displayed.

After the customer activates the card and enters the ready state, the customer operates the inquiry key of the input key 216. Since the card is activated, it can be detected by the inquiry key detection step 635. The processing state by the inquiry key is a card-only processing performed only by the multi-function IC card 21. As shown in FIG. 10 (c), the balance in the card is read from the amount information storage unit 212 in the card in step 651 for reading the balance in the card upon detection of the inquiry key, and the balance in the card is displayed on the display unit 215 in the display step 652. . In step 653, the balance waits for the next key input. If the customer leaves the card with the balance displayed, the time is over for a certain period of time and step 65
The control is passed to the end processing step 622, the power is turned off, and the processing ends.

When the customer continues to input the inquiry key to the balance display state card, an inquiry key input detection step 655 is performed.
, One of the most recent date data recorded in the transaction statement storage unit is read out, and the date information is displayed on the display unit 215 by the display step 657. Waiting for key input following display of date information Step 65
At 8, wait for the next key input. If the customer is left unchecked, a time-over is detected in step 659, and the processing ends. However, when the inquiry key is continuously input, the input is detected in the inquiry key detection step 660, and the amount information of the transaction date is stored in the transaction statement storage unit in the latest. Are read out in step 661. The amount information is displayed on the display unit 215 in a display step 662, for example, a number with a plus sign if the amount is supplemented. Inquiry key input detection step 653 after the in-card balance inquiry step to amount information step 66
Up to 2, the transaction date and the transaction amount are alternately displayed while the inquiry key is continuously detected. Even if all the transaction details are inquired, the top transaction details are displayed, and the power key is detected by the power key detection step 663 of the input key. Until the control is passed to the card ready state display step 631 in the detection step 664 of the 0 key as a numeric key, for example, the data stored in the transaction statement storage unit is repeatedly changed from the latest to the oldest date. Continue to display.

The customer makes this balance inquiry,
You can check the balance in the card. Then, if necessary, it can be determined whether to replenish the amount in the card or return to the deposit account. In addition, by referring to the transaction details, it is possible to know when, how much shopping, how much money has been replenished, and how much money has been refunded.
Further, the processing can be terminated by the power key in the middle of the processing, or the card can be brought into the card ready state by the numeric keys, and the next new processing can be performed.

When the customer carries out shopping with the multifunctional IC card 21, the customer enters the card ready state and then inserts the card into the POS terminal device, which is the card reading terminal of the retail store where the purchase is made. The card can be inserted into the card reading / writing section 521 in FIG. 5 (a), and can communicate with each other through the card contact section 217.

First, as shown in FIG. 10 (b), a card ready state display step 631 of the multi-function IC card 21 is performed.
Through a series of determination steps from the above, the communication determination step 637 with the reading terminal indicates to the card contact section 217 that the card has been inserted into the card reading / writing section 51 of the POS terminal apparatus 51 for shopping transaction processing. Detected by receiving a signal from the terminal device. In order to perform mutual authentication as a legitimate reading terminal, the keyword in the card and the bank number are read from the keyword storage unit 213, and notified to the reading terminal in communication step 638. After that, the customer waits for reception of the amount of purchase made by the customer and the date of the purchase at the reading completion determination step 639 from the reading terminal. The purchase price and date are input from the cash register of the POS terminal device, which is a reading terminal, and transmitted to the card.
When the reception completion is detected, the balance in the card is read out from the money amount information storage unit 212 in a balance shortage determination step 640 and compared with the shopping amount. If the balance in the card is greater than or equal to the shopping amount, payment is possible. Therefore, in the card balance updating step 641, the shopping amount is subtracted from the card balance, and the data is updated as a new card balance in the amount information storage unit. . In the transaction statement storage step 642, the purchase amount and date data are additionally stored as transaction statement storage in the price information storage unit 212. This additional storage is performed in such a manner that the data can be read out in the order of the latest date from a predetermined storage area for storing the transaction details provided in the amount information storage unit, so that the in-card balance inquiry and the transaction details inquiry can be performed. Become.

Next, the shopping amount is displayed on the display unit 215 in the amount displaying step 643. Multifunctional IC card 21
Notifies the POS terminal of the completion of the shopping process in the process completion transmission step 644 while keeping this display. The customer can perform a reconciliation check to confirm the amount of the purchase at the time of receiving the card from the POS terminal and the amount actually paid by the card based on the displayed contents.

On the other hand, when it is determined that the balance is insufficient for the purchase amount in the card balance determination step 640, the fact that the card balance is insufficient is transmitted to the POS terminal in step 645. The POS terminal that receives this information is the POS terminal
This state is notified to the terminal operator to prompt the user to decide whether to cancel the shopping transaction, change the payment amount with the card, or use another transaction method, and operate the flexible shopping process.

When these processes have been completed, the multi-function IC card 21 transfers control to the next input interrupt detection waiting step 632, and waits until key input or reception from the terminal device is detected. During this time, if no detection is made for a certain period of time, a time over is detected in the time over determination step 633, and the process ends. Description of the operation of the automatic transaction terminal device (FIG. 7) The automatic transaction terminal device 2 writes the amount information deducted from the bank account into the multifunctional IC card 21 which is the cashless medium 1 and vice versa. Used to transfer money information back to the bank account.

The operation will be described below with reference to FIG.

When the customer turns on the power of the multi-function IC card 21 and inputs a valid card password and confirms the card ready state, the customer selects and inputs a transaction type to the automatic transaction terminal device 41. At this time, the automatic transaction terminal device 41
Instructs the customer to select a transaction type in a transaction selection screen display step 711 in order to select and input a transaction type. According to this instruction, the customer selects and inputs the type of transaction. When an input is detected in the selection input detection waiting step 712, the selected transaction type is read by the input operation control unit 413 in step 713. Here, an instruction to insert the multi-function IC card 21 is issued in the instruction display step 714, and the process waits until the card read / write unit 411 detects the insertion of the card in the card insertion detection step 715. When the card insertion is detected, communication with the multi-function IC card 21 is started, and a bank number with the keyword of the card is received in a receiving step 716. Using this data, multi-function I
Checking the validity of the C card 21 in the validity determination step 7
If it is determined in 17 that the card is not valid, the customer is informed of the improper card insertion in a display step 721, the card is ejected, and the process is terminated. If it is determined that the card is valid, the bank account number is read from the multi-function IC card 21 in a card information reading step 718.
Here, in the transaction type determination step 731 selected and input, it is determined whether the transaction type is replenishment. The account password input instruction step 732 displays an input instruction to the customer, and the input detection step 733 waits for the input of a password. When the account password is input, the transaction type, the deposit account number and the password are transmitted to the center using the line control unit in step 734, and a validity check request is made. The check process at the center is awaited at step 735,
It is determined whether the check result is normal in a determination step 736. If abnormal, at step 746, it is displayed to the customer that the input of the account password is invalid, and the process is terminated. If it is determined that the card is normal, the customer instructs an input of an amount to be refilled to the card in an input instruction step 737. When the completion of the amount input is detected in the amount input detection step 738, the replenishment amount is transmitted to the center in the center transmission step 739. This amount data is notified to the center as a withdrawal amount from the customer's deposit account. In the processing waiting step 740, the completion of the center processing is waited, and in the processing result determination step 741, it is determined whether the center processing has been completed normally. If it is not normal, it means that the balance of the deposit account of the customer is insufficient, and the customer is notified of the insufficient account balance at the display step 747, and the process is terminated. When it is determined that the operation has been completed normally, it is confirmed that the amount entered from the customer's deposit account has been deducted, and the amount of money can be replenished to the multifunctional IC card 21. I understand. Then, the communication step 742 to the card
To communicate the replenishment amount to the multi-function IC card 21. Then, in a card processing completion waiting step 743, the completion of the replenishment processing in the multi-function IC card 21 is waited. When the processing is completed, the new balance in the multi-function IC card 21 is stored in step 744.
In step 745, the new balance is transmitted to the center. The center writes this new balance in the medium balance log file. The center processing is executed at step 719.
Waits for the completion of the processing, and upon receiving the completion notification from the center, the multifunctional IC card 21 is discharged in a card discharging step 720, and the processing is terminated. The customer receives the discharged multi-function IC card 21 and sees the amount displayed on the card display unit to confirm that the replenishment of the amount information on the card has been completed.

If it is determined in step 731 that the transaction type cannot be replenished, a refunding determination step 751
It is determined whether or not the transaction type is refunding. If the transaction type is not a remittance, other processes corresponding to the transaction type are performed in step 761 and the process ends.

The refund means that the customer deposits the money in the card balance into the deposit account.
In this case, the amount information stored in the amount information storage unit is returned to the deposit account of the center.

If it is determined that the transaction type is a remittance, the transaction type and the deposit account number are transmitted to the center, and a check request is made in a check request step 752. In the center processing waiting step 753, the completion of the center processing is waited, and then the customer is instructed to input the amount of the refund in the instruction step 754. When the input of the amount is detected in the payment determination step 755, the payment amount data is returned to the multi-function IC card 21 and the transmission amount data is notified in the transmission step 756. In the card processing waiting step 757, the completion of the card balance subtraction processing in the multi-function IC card 21 is waited, and the processing result determination step 758
It is determined whether the processing in the multi-function IC card 21 has been completed normally. When the balance in the card is smaller than the amount of the refunding, the refunding is not possible, and the insufficient balance is transmitted from the multifunctional IC card 21. Displaying the result to the customer operating the automatic transaction terminal device 41 Step 762
To display and notify. When the processing in the card is completed normally, the refunding from the multi-function IC card 21 can be performed, the new balance in the multi-function IC card 21 is received in step 759, and the remittance in the center transmission step 760 is performed. The center and the new balance in the card are notified to the center. The deposit account update processing at the center is waited for in a completion waiting step 719, and in the card discharging step 720, the multifunctional IC card 21 is discharged, and then the processing is terminated.
As a result, the amount information designated by the customer can be subtracted from the card and returned to the deposit account at the center. Description of Operation of Reading Terminal Device (FIG. 12) When a customer uses a cashless medium to shop at a retail store, the card reading / writing section 52 of the POS register section 51 shown in FIG. Reading terminal device. The POS register unit 51 performs a cash register process for shopping performed at the retail store, and when the transaction is a multifunctional IC card 21, the POS register unit 51 and the card read / write unit 52 communicate with each other to perform a shopping process. The multi-function IC card 21 is inserted into the card reading / writing unit 52 to perform processing. However, as a type of the multi-function IC card 21, the card is used for maintenance of a shopping card for performing original shopping and the card reading / writing unit 52. And a scrutiny card that scrutinizes a sales summary file that stores amount data in the card reading and writing unit by shopping processing. Of these cards, only the shopping cards are inserted by the customer.

The operation will be described below with reference to FIG.

At the cash register of the retail store, the customer reads the card reading / writing section 52 of the POS register section 51 in order to pay for the shopping.
Insert the card into 1.

First, in the card insertion detection step 811, the reading terminal device waits for the detection of the insertion of the multi-function IC card 21. If a card is inserted, it is determined at step 812 whether the card is a shopping card. If it is determined that the card is a shopping card, the multifunctional IC card 21
, The keyword and the bank number stored in the storage unit in the card are received in step 813. The validity of the card is checked in a determination step 814, and when it is determined that the card is not valid, a keyword abnormality of the card is transmitted to the POS register unit 51 in an abnormality notification step 827, and the card medium is discharged in a discharge step 823. The process ends. If the card is determined to be valid, a POS register notification step 815 transmits to the POS register unit 51 that the card is accepted. From this state, the shopping process using the normal card is executed.

First, when the completion of the reception of the card acceptance notification transmitted to the POS register section is confirmed in step 816, the purchase amount from the POS register section is received.
Receive at 17. At this time, the date of the shopping transaction is received from the POS register together with the shopping price. The purchase price and date data are transmitted to the multi-function IC card in the card transmission step 818. Card processing waiting step 81
9 waits for the completion of the shopping process in the card. When the completion of the shopping process in the multi-function IC card is received in the card processing determination step 820, the keyword, bank number data already received from the card, the shopping amount received from the POS register unit, and the transaction date data are updated. In step 8, the sales summary file 53 is
Update at 21. The renewal sums up the number of purchases and the purchase amount for each bank number indicating the bank that issued the card. It is characterized in that all shopping transaction data identified by the same bank number is summed up in one area on the sales totalization file 53. As a result, even if a large number of customers make purchases, the storage capacity of the sales totaling file 53 is reduced to a multifunctional IC.
The capacity is determined by the number of financial institutions that issue cards.

When the update of the sales totaling file is completed, in the processing completion notification step 822, the POS register 51
To send the processing completion. Thereafter, the medium discharge step 82
In step 3, the card medium is ejected, and the process ends.

If it is detected in the card type determination step 824 that the inserted card medium is not a shopping card but a maintenance card of the reading terminal device, in a maintenance card processing step 829, the card reading / writing section 52 is executed. A maintenance person performs maintenance of the hardware device or software operating in the arithmetic processing unit 520, and software. On the other hand, when it is detected in the card type determination step 825 that the card is a scrutiny card, in the scrutiny card processing step 830, the sales totaling file 53 is closed. The finalization process is performed in preparation for transmitting the sales summary file to the center device 3 shown in FIG. 1. If there is sales summary data that has already been subjected to the finishup process, it is added up as one sales summary file. And so on. The transmission to the center device is performed directly to the center device using the communication line under the control of the center device or controlled by the relay system to the center device to which the POS register unit 51 is connected. It is performed under. The data transmitted to the center device or the relay system includes a data portion encrypted by a method predetermined with the center device,
This is the flat data section of the sales summary file as it is. The purpose of the encryption is to protect the security while the data of the sales summary file is transmitted to the center device (the transmission process to the center device is not shown). Description of Operation of Center Device (FIGS. 12 (a) and 12 (b)) In the center device 3 shown in FIG. 3, a customer replenishes his / her own media card with money or returns money from the media card. At the time of the transfer of funds between the customer's deposit ledger file and the unsettled fund file, and logging the balance of the media card at that time, it operates as an online real-time process with the automatic transaction terminal device, and when reading In some cases, the operation may be performed as a batch process, such as collecting a sales summary file in a terminal device and performing a fund settlement from an unsettled fund file to a retail store ledger file.

As shown in FIG. 13 (a), in the online real-time processing with the automatic transaction terminal device, when the customer starts processing with the automatic transaction terminal device, the transaction type and the deposit ledger file 321 are sent from the automatic transaction terminal device. In step 911, an account number and a password for identifying the account are received. Then, in the ledger file reading step 912, the ledger file 3
21 is read. If it is detected in the transaction type determination step 921 that this is a replenishment process, a determination step 922 of the personal identification number input by the customer determines whether or not it matches the ledger file. If they do not match, in order to refuse withdrawal of funds from the ledger file, in step 933, a mismatch of account PINs is transmitted to the automatic transaction terminal device, and
The process ends. If it is determined that they match, in step 924, receipt of the amount data from the automatic transaction terminal device is waited for inputting the amount to the customer. The received amount data is the amount data to be added to the media card, and is subtracted from the customer's ledger file and added to the unsettled fund file. Then, when the amount data is received, the balance of the ledger file 321 is compared with the balance in the judgment step 925, and if the value of the ledger balance is smaller than the replenishment balance, the shortage of the ledger balance is transmitted to the automatic transaction terminal device in step 932. And terminate the processing. When it is determined that the balance is not insufficient, the fact that the processing of the center has been normally completed is transmitted to the automatic transaction terminal device in step 926. The automatic transaction terminal apparatus waits for reception of the new balance in the card transmitted in response to the notification of the normal processing completion of the center in step 927. The new balance in the card is the sum of the replenishment amount and the balance in the card in the card medium, which is transmitted via the automatic transaction terminal device. Upon completion of the reception, the replenishment amount is subtracted from the balance of the ledger file 321 in an update step 928 to update the ledger file 321. Subsequently, the replenishment amount is added to the balance of the unfinished fund file 322 in the adding step 929 to update the unfinished file 322. When the file update is completed, the new balance of the card medium received in the log storage step 930 is written in the medium balance log file 324 and the record is stored. Then, the completion of the processing in the center apparatus is notified to the automatic transaction terminal apparatus by the transmission step 931 and the processing ends. When it is detected in the type determination step 941 that the type of transaction from the automatic transaction terminal device is refunded,
The process continuation is transmitted to the automatic transaction terminal device in step 942. In response, the system waits for reception of the new balance of the card medium and the amount of the refund from the automatic transaction terminal device in step 943. When data is received from the automatic transaction terminal device, in the adding step 944, the amount data of the repaid money is added to the balance of the ledger file 321 and the ledger file 32 is added.
Update 1. Subsequently, in the subtraction step 945, the unsettled fund file 322 is updated by subtracting the amount data of the refund from the balance in the unsettled fund file 322. This allows you to return the amount data from the customer's card media to his or her savings account. The control is shifted to step 930 for taking a log of the card medium, and in step 931 the end of center processing is notified to the automatic transaction terminal device, and the process is ended.

If it is determined in the transaction type that neither the replenishment process nor the reimbursement is made, the transaction is processed in step 946 as another transaction performed by the center device.

The retail store can settle the funds in the retail store ledger file by requesting the bank for the amount data accumulated in the sales summary file in the reading terminal device.
To this end, as shown in FIG. 13 (b), the center device receives the data of the sales summary file from the reading terminal device in step 951. When reception is completed, step 952
Then, the completion of reception is notified to the reading terminal device, and the process proceeds to the decryption step 953 of the received data. The encryption section is obtained by encrypting the sales summary file. When the encryption is decrypted, the encryption section has the same contents as the plain text section of the sales summary file data transmitted at the same time. In this check, in the validity determination step 955, the decryption result of the encryption part and the secret number determination of the plaintext part are performed. If unmatched data is detected, it is determined that the transmitted sales summary file is not valid, and step 950 is performed.
Perform abnormal processing in. Only when all match, the transmission data is determined to be valid, and sorting is performed for each financial institution in the sorting step 956 using the bank number in the sales summary file as a key. The data in the sales summary file having the bank number of the center device is determined in step 957, and the data for the bank is detected. If there is bank data, the data is subtracted from the balance in the unsettled fund file 322 to update the unsettled fund file 322. Next, in the data determination step 958 for another row, if there is money data on the card medium issued by the other row, in step 962, processing for creating exchange request data addressed to the other row is performed. Then, in order to perform the payment processing to the ledger file of the retail store that has transmitted the sales summary file, in the payment processing step 959, the payment processing is updated to the retail store ledger file 323, and the processing ends.

In the process of updating the ledger file of the retail store, since the deposit data can be separated into the bank and the other bank by the bank number, the bank is treated the same as cash deposit, and the other bank is used as immediately available funds. The line segment is treated the same as unfunded deposit until the exchange request is completed, and it is characterized in that it is possible to apply a conventional settlement method of funds that cannot be used immediately.

In the embodiment of the reading terminal device to which the card is used according to the present invention, the description has been made using the POS register section 51. However, various vending machines are provided with a mechanism capable of handling the card, and tickets, cigarettes, telephone cards and the like are provided. , Drinks, and the like can be purchased, so that cashlessness can be further improved and a general-purpose fund settlement method can be realized.

[0075]

As described above, since the money amount information is written in the cashless medium and the transaction is performed by giving and receiving the money amount information, the complete cashless operation can be realized.

Also, the automatic transaction apparatus currently installed at the bank store does not require the insertion and exit of banknotes, but only exchanges money amount information, so that the size of the automatic transaction apparatus can be reduced.

Since the unsettled fund file stores only the total value of the money amount information written in the plurality of cashless media, the storage capacity may be small.

As a selling source, it is not necessary to perform the processing of each case currently performed by a credit card or the like, and only the total amount of the amount information obtained by a plurality of transactions needs to be processed for each bank. Compared to other settlement processes, quick processing can be performed.

Further, since a large number of slips such as a credit card are not required, office work can be simplified.

Further, it is possible to completely eliminate the situation that a required amount cannot be deducted due to a shortage of balance, such as a credit card, and the reliability of the card is improved.

Therefore, with a highly reliable card, it is possible to achieve cashless operation with simplified operation.

[Brief description of the drawings]

FIG. 1 is a block diagram of the principle

FIG. 2 shows an embodiment of a cashless medium.

FIG. 3 shows an embodiment of a bank center device.

FIG. 4 is an embodiment of an automatic transaction terminal device.

FIG. 5 is an embodiment of a POS terminal device.

FIG. 6 is a basic processing flow of an IC card;

[FIG. 7] Amount assistance flow to a card

FIG. 8 is a processing flow of shopping using a card.

FIG. 9 is a processing flow for depositing retail sales into a bank.

FIG. 10 is a processing flow of an IC card.

FIG. 11 is a processing flow of the automatic transaction terminal device.

FIG. 12 is a processing flow of the reading terminal device.

FIG. 13 is a processing flow of the center device.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Cashless medium 2 Automatic transaction terminal device 3 Center device 4 Commerce transaction terminal device 11 Storage means 12 Calculation means 2-1 Read / write means 31 Deposit ledger file 32 Unsettled fund file 33 Selling ledger file 34 Medium balance log file 41 Transfer means 42 Total file 44 registers

Continuation of the front page (58) Field surveyed (Int. Cl. ⁷ , DB name) G06F 17/60 G07F 7/00 G07F 19/00 JICST file (JOIS)

Claims (1)

(57) [Claims] It consists of a 1. A plurality of cashless medium distributed to the customer, the automatic transaction terminal device, and the transaction terminal device, a center device and the center device, the customer's account identification information
Deposit ledger storage unit for storing information and amount information;
Unpaid money information sent to cashless media
There is an unsettled fund part that is added up and stored as amount information.
And sending money information to the cashless medium.
In this case, the amount information is subtracted from the amount information in the deposit ledger storage unit.
And adds it to the information on the amount of the unsettled fund section.
If the amount information is received from
Subtract the received amount information from the amount information of the spent fund section
The smell of cashless media in electronic wallet systems
Te, a storage unit for storing account identification information and amount information, via the automatic transaction terminal device, when communicating with the center apparatus transmits account identification information to the automatic transaction terminal device, wherein the transaction terminal When dealing with equipment,
Amount information corresponding to the cash to be transferred along with the account identification information.
Without being sent, based on this traded amount information
A cashless medium for updating the amount information of the storage unit
body.