JP3565432B2 - Usage fee payment system - Google Patents

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a usage fee payment system that uses an IC card to settle a usage fee such as a fare or a product purchase price in a transportation or distribution agency, for example.
[0002]
[Prior art]
In recent years, for example, in a distribution organization such as a supermarket or a department store, payment of a purchase price of a product by a credit card has been frequently used. Each time a credit card is settled, negative data (lost or stolen, excess credit amount) is checked and settlement information is transmitted to a processing center device (such as a computer of a credit company) by online real-time processing.
[0003]
[Problems to be solved by the invention]
As described above, in the conventional credit card payment method (usage payment method), the online processing is performed with the processing center device every time the card is used, so that the processing time of the payment becomes longer, and There was a problem that the cost for the settlement also became high.
[0004]
In addition, such a settlement method that requires a long processing time requires processing in a time as short as possible. For example, there is a problem that it is difficult to apply the method to settlement of a usage fee (fare) in a railway-related automatic ticket gate. Was.
[0005]
Accordingly, the present invention provides a usage fee payment system that can perform a payment process in a short time, can reduce the cost of the payment process, and can easily perform a payment process of a usage fee in an automatic ticket gate and the like. The purpose is to provide.
[0006]
[Means for Solving the Problems]
A usage fee payment system according to the present invention includes an IC card having a memory capable of recording an accumulated usage amount, a card processing terminal device that processes the IC card, and a host device that is a higher-level device of the card processing terminal device. A reading means for reading the accumulated usage amount from a memory of the IC card presented by a user in the card processing terminal device; and an updating means for updating the accumulated usage amount read by the reading means based on the current usage amount. Means, comparing means for comparing the accumulated usage amount updated by the updating means with the usage limit data indicating the usage limit, and as a result of the comparison by the comparing means, the cumulative usage after the updating When the amount is smaller than the usage limit data, the updated accumulated usage amount is recorded as a new accumulated usage amount in the memory of the IC card. As a result of comparison by the first processing means and the comparing means, when the updated accumulated usage amount is larger than the usage limit data, the host device is notified whether or not to permit use of the IC card. Second processing means for making an inquiry to the IC card and recording the updated cumulative usage amount as a new cumulative usage amount in the memory of the IC card; A third processing means is provided, which, when receiving a notification from the apparatus that the IC card cannot be used due to an excess of the credit amount, permits the use of the IC card only on the day.
[0012]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[0013]
FIG. 1 schematically shows a configuration of a usage fee payment system according to the present invention. This usage fee payment system is roughly divided into an information recording card (hereinafter simply referred to as a card) 1 as a portable information recording medium carried by a user, a card processing terminal device (information recording A medium processing terminal device 2), a processing center device 3 as a host device which is a host device of the card processing terminal device 2, and the like.
[0014]
The card 1 is, for example, a non-contact type IC card (so-called wireless card), and includes a control unit 11 including a CPU, a non-volatile memory 12 such as an EEPROM as storage means, and an external device (card processing terminal). It comprises a communication control unit 13 for performing wireless communication with the device 2), etc., which are formed into IC chips and embedded in the card body.
[0015]
The memory 12 includes a card number, which is a card-specific number, expiration date information indicating the expiration date of the card, cumulative usage amount per day, unusable information due to excess credit amount, unusable information due to loss or theft, and a usage log. Information and the like are recorded (stored).
[0016]
The card processing terminal device 2 is, for example, a POS terminal device in a distribution organization such as a supermarket or a department store, or an automatic ticket gate device in the railway field, and has a CPU 21 for overall control, a memory 22 functioning as a work memory, A magnetic disk device 23 as storage means for storing data, an output device 24 such as a display or a printer, an input device 25 such as a keyboard, and a communication device 26 for communicating with an external device (such as the processing center device 3). And a card reading / writing device 27 for reading and writing data to and from the card 1.
[0017]
In the magnetic disk device 23, negative data (lost and stolen, excess credit amount), daily usage limit for each card type, transfer date for transferring (withdrawing) usage fee, transfer transfer start date, and the like are recorded. (Remembered).
[0018]
Further, the magnetic disk device 23 stores data indicating the daily usage limit of the card 1, and this data is compared with the accumulated daily usage of the card 1. The data indicating the usage limit may be recorded on the card 1 as card type information. The card type information is, in other words, data indicating the usage limit of the card. In this case, it is possible to individually set the daily usage limit for the card 1 according to the type of the card.
[0019]
The processing center device 3 includes, for example, a CPU 31 for overall control, a memory 32 functioning as a work memory, a magnetic disk device 33 as storage means for storing various data, an output device 34 such as a display or a printer, and a keyboard. It comprises an input device 35 and a communication device 36 for communicating with an external device (such as the card processing terminal device 2).
[0020]
In the magnetic disk device 33, card issuance information (card number, card type information, contact information such as name and address, transfer account information for transferring a usage fee, credit amount for one month, etc.), settlement information, negative data ( Lost and stolen, excess credit amount), and the monthly accumulated usage amount for each card are recorded (stored).
[0021]
Next, the processing of the card processing terminal device 2 when using a card in the above-described configuration will be described with reference to the flowcharts shown in FIGS. The processing described below is mainly executed under the control of the CPU 21.
[0022]
When the card 1 is presented by the user, that is, for example, when the card 1 is held over the communication unit of the card reading / writing device 27 in the card processing terminal device 2, the card reading / writing device 27 As a result, the card number, expiration date information, accumulated usage amount per day, unusable information due to excess credit amount, and unusable information due to loss and theft are read from the card 1 (step S1), and temporarily stored in the memory 22.
[0023]
Next, it is checked whether or not the expiration date information read from the card 1 is within the expiration date (step S2). If the expiration date is not within the expiration date, the card 1 is disabled (step S3). The impossibility is indicated (notified) by the output device 24 by display or voice (step S4), and the process is terminated.
[0024]
In step S2, if the expiration date has not passed, it is checked whether or not the card 1 has not been recorded with unusable information due to loss or theft (step S5). Is unusable (step S6), information indicating that the card is unusable due to loss or theft is displayed on the output device 24, guided (notified) by voice, etc. (step S7), and the process is terminated.
[0025]
If no unusable information is recorded in step S5, the card processing terminal device 2 checks whether or not the device is a device to which the unusable card due to exceeding the credit amount is applied (step S8). In this case, if the card processing terminal device 2 is a POS terminal device, it is a device that applies disabling due to excess credit of the card, and if it is an automatic ticket gate, it does not apply disabling due to excess credit of the card. It is assumed to be a device.
[0026]
In step S8, if the device is a device (POS terminal device) to which the card cannot be used due to the excess of credit, it is checked whether or not the card 1 does not record the disable information due to the excess of credit (step S8). S9) If the unusable information is recorded, the card 1 is made unusable (step S10), and the card unusable due to excess credit is displayed (voiced) by the output device 24 and notified (notified) by voice or the like (step S10). S11), the process ends.
[0027]
If it is a device (automatic ticket gate) that does not apply disabling due to excess credit of the card in step S8, or if no disable information is recorded in step S9, negative data (lost theft, excess credit) Is checked (step S12). That is, in the negative data, the card number of the card reported to be lost or stolen or the card number of the card determined to have exceeded the credit amount is registered, and is transmitted from the processing center device 3. Therefore, in step S12, it is checked whether or not the card number read from the card 1 matches the card number of the negative data.
[0028]
If a match with the negative data is obtained in step S12, it is checked whether the match is with the lost or stolen negative data or with the excess credit negative data (step S13). If they match, the card 1 cannot be used (step S14).
[0029]
Next, information indicating that the card cannot be used due to loss or theft recorded on the card 1 is set to “impossible” (step S15), and the card cannot be used due to loss or theft is displayed on the output device 24, and guidance (notification) is provided by voice or the like (step S16). ). Next, unusable information is transmitted to the processing center device 3 (step S17), and the process ends.
[0030]
If it is determined in step S13 that the data matches the credit amount excess negative data, the card processing terminal device 2 checks whether or not the card 1 is a device for recording the unusable information due to the credit amount excess on the card 1 (step S18). In this case, if the card processing terminal device 2 is a POS terminal device, the card processing terminal is a device that records information on the disabling of use due to excess credit amount. It is assumed that the device does not record information. It should be noted that, depending on the type of the automatic ticket gate or the installation conditions, the card 1 may record unusable information due to excess credit.
[0031]
If it is determined in step S18 that the device (POS terminal device) records unusable information due to an excess of credit on the card 1, the card 1 is disabled (step S19) and the credit amount recorded on the card 1 is exceeded. Is set to "impossible" (step S20), and the card disabling due to exceeding the credit amount is displayed on the output device 24, and guidance (notification) is made by voice or the like (step S21). Next, unusable information is transmitted to the processing center device 3 (step S22), and the process ends.
[0032]
If no match with the negative data is obtained in step S12, a check is made with the credit amount excess release data (step S23). That is, the credit amount excess release data has registered therein the card number of the card for releasing the credit amount excess, and is transmitted from the processing center device 3. Therefore, in step S23, it is checked whether or not the card number read from the card 1 matches the card number of the credit amount excess release data.
[0033]
In step S23, when a match with the credit amount excess release data is obtained, the unusable information due to the credit amount excess recorded on the card 1 is changed to "usable" (step S24). Unusable release information is transmitted (step S25), and if no match with the credit amount excess release data is obtained, the processing in steps S24 and S25 is not performed.
[0034]
As described above, the card processing terminal device 2 performs a match check (by the card number) between the card for which the unusable information due to excess credit amount is “unavailable” and the credit amount excess release data received from the processing center device 3. The unusable information due to the excess of the credit amount of the matched card is changed to “usable”, and the changed information is transmitted to the processing center device 3. Therefore, the card is no longer “unusable due to excess credit”.
[0035]
Note that the first use of the month may be used as a condition, but if the above-mentioned credit amount excess release data is used, the processing center device 3 transmits the credit amount excess release data as necessary (not only at the beginning of the month). In addition, a card whose unusable information due to excess credit is “unavailable” can be changed to “usable”.
[0036]
Next, it is checked whether or not this use is the first use of the day (step S26), and if it is the first use of the day, the accumulated use amount of the day recorded on the card 1 is set to the initial value “0”. (Step S27) If it is not the first use on the day, the processing of step S27 is not performed.
[0037]
As described above, the accumulated usage amount for one day is recorded on the card 1, and the card processing terminal device 2 refers to the usage log information recorded on the card 1, so that the card 1 is used for the first time on the day. At this time, the daily accumulated usage amount is changed to “0”.
[0038]
Next, the card processing terminal device 2 checks whether it is a device to which the daily usage limit is applied (step S28). In this case, if the card processing terminal device 2 is a POS terminal device, it is a device to which the daily usage limit is applied, and if it is an automatic ticket gate device, it is a device to which the daily usage limit is not applied. I do. Note that, depending on the type or installation conditions of the automatic ticket gate, the daily usage limit may not be applied.
[0039]
Now, in step S28, if it is a device (POS terminal device) to which the daily usage limit is applied, the daily usage limit (corresponding to the card type) is read from the magnetic disk device 23 (step S29). . Next, the current usage amount is added to the daily usage amount read from the card 1, and the addition result is compared with the daily usage limit amount read in step S29 (step S30). If is larger, the validity of the card 1 (lost or stolen, excess credit amount) is inquired to the processing center device 3 (step S31).
[0040]
Next, the card processing terminal device 2 waits for the result of the inquiry to the processing center device 3 and checks whether or not the device is a device for settlement (step S32). When the validity inquiry is made, the card processing terminal device 2 receives the result of the inquiry, performs the subsequent processing according to the received contents, and does not receive the inquiry result, and performs the settlement as valid. There is equipment. In this case, if the card processing terminal device 2 is a POS terminal device, it is assumed that the device is a device that waits for an inquiry result, and if it is an automatic ticket gate device, the device is a device that performs payment without waiting for an inquiry result. .
[0041]
By the way, in step S28, in the case of a device (automatic ticket gate) to which the daily limit is not applied, in step S30, if the addition result is smaller than the daily limit, or in step S32, If the device (automatic ticket gate) is to settle without waiting for the matching result, use is permitted (step S33), and the settlement information (card number, processing content, usage amount, usage content, usage date, usage location) at this time , Equipment used, product code, etc.) in the memory 22 (step S34), and adds the daily accumulated amount recorded on the card 1 to the accumulated result of the daily accumulated amount added to the current use amount. Update (step S35).
[0042]
As described above, at the time of card settlement in the card processing terminal device 2, the daily usage limit stored in the card processing terminal device 2 or the “daily usage limit amount according to the type of the card 1. And the sum of the "cumulative usage amount" read from the card 1 and the current usage amount, and when the "sum of the cumulative usage amount and the current usage amount" exceeds the "daily usage limit" Makes an inquiry to the processing center device 3 about the validity of the card 1.
[0043]
When the “sum of the accumulated usage amount and the current usage amount” is within the “daily usage limit amount”, the payment is performed without inquiring the processing center device 3 (offline payment). Therefore, the communication cost required for the validity inquiry can be reduced, and the processing time for settlement can be significantly reduced.
[0044]
In step S32, if the device is a device (POS terminal device) that waits for the inquiry result and makes a payment, the process waits for the validity inquiry result to be transmitted from the processing center device 3 (step S36). When the validity inquiry result transmitted from the processing center device 3 is received (step S36), it is checked whether or not the received inquiry result indicates validity (step S37). (Step S38), and the payment information (card number, processing content, usage amount, usage details, usage date and time, usage location, equipment used, product code, etc.) at this time is stored in the memory 22 (step S39). The daily accumulated usage amount recorded on the card 1 is set to the initial value “0” (step S40).
[0045]
As described above, when the result of the validity inquiry is valid, the accumulated daily usage amount described in the card 1 is changed to “0”.
[0046]
When the processing in step S35 or S40 is completed, it is determined whether the use date is within n days before the transfer date by referring to the transfer date recorded in the magnetic disk device 23 (step S41). If the day is not within n days before the transfer date, the usage amount at this time and the accumulated usage amount for one day are displayed (voiced) by the output device 24 by sound, receipt, or the like (step S42), and the usage date is transferred. If the day is within n days, the output unit 24 provides guidance (notification) of the amount of use at this time, the accumulated amount of use per day, and the fact that the transfer date is approaching by display, sound, receipt, and the like (step S43). .
[0047]
As described above, when the use date is within n days of the transfer date, the fact that the transfer date is approaching is displayed to the user, and guidance is provided by voice, receipt, or the like. As described above, the nth day on which guidance is provided is recorded in advance on the magnetic disk device 23 in the card processing terminal device 2.
[0048]
Next, the payment information stored in the memory 22 is transmitted to the processing center device 3 by performing a transmission operation or a deadline operation on the input device 25 (step S44), and the process is terminated.
[0049]
As described above, the payment information is transmitted to the processing center device 3 every time a payment is made or a plurality of cases are collectively performed by a transmission operation or a closing operation.
[0050]
In step S37, if the inquiry result does not indicate validity (invalid), it is checked whether the inquiry is invalid due to loss or theft or invalid due to excess credit amount (step S45). If so, the card 1 cannot be used (step S46).
[0051]
As described above, the processing center device 3 that has received the validity inquiry from the card processing terminal device 2 checks not only the excess of the credit amount but also the loss and theft.
[0052]
Next, the unusable information due to the loss or theft recorded on the card 1 is set to “impossible” (step S47), and the card is disabled to be used due to the loss or theft, is displayed on the output device 24, and is notified (notified) by voice or the like (step S48). ). Next, unusable information is transmitted to the processing center device 3 (step S49), and the process ends.
[0053]
In step S45, if invalid due to excess credit, the card processing terminal device 2 checks whether or not the card 1 is a device that records unusable information due to excess credit on the card 1 (step S50). In this case, if the card processing terminal device 2 is a POS terminal device, it is a device that records unusable information due to excess credit amount on the card 1. It is assumed that the device does not record information. Note that, depending on the type of the automatic ticket gate or the installation conditions, the card 1 may record unusable information due to excess credit.
[0054]
If it is determined in step S50 that the device (automatic ticket gate) does not record unusable information on the card 1 due to excess credit, the card 1 is disabled (step S51), and a message indicating that the card cannot be used due to excess credit is output. The apparatus 24 provides guidance (notification) by display, voice, or the like (step S52), and ends the processing.
[0055]
As described above, when the result of the validity inquiry indicates that the card cannot be used due to the excess of the credit amount, the disable information due to the excess of the credit amount of the card 1 is not set to “impossible”, and the disable information is also sent to the processing center device 3. It does not send.
[0056]
If the unusable information due to the excess of the credit amount of the card is set to “impossible”, the card 1 becomes unusable thereafter. This is a measure to make it possible to use it only on the day, since disabling the use during the travel greatly impairs the convenience of the user when considering the use of the automatic ticket gate. On the next day, since the data is distributed as negative data in excess of the credit amount, the data cannot be used by all devices.
[0057]
In step S50, if the device (POS terminal device) records the unusable information due to the excess credit amount on the card 1, the card 1 is disabled (step S53), and the card 1 is used due to the excess credit amount recorded. The disabling information is set to "disabled" (step S54), and the card disabling due to excess credit is displayed on the output device 24, and guidance (notification) is made by voice or the like (step S55). Next, unusable information is transmitted to the processing center device 3 (step S56), and the process ends.
[0058]
Next, the processing of the processing center device 3 when the card processing terminal device 2 inquires the validity of the card 1 will be described with reference to the flowchart shown in FIG. The processing described below is mainly executed under the control of the CPU 31.
[0059]
When the validity inquiry of the card 1 is received from the card processing terminal device 2 (step S61), a match check with the negative data (lost or stolen, excess credit amount) is performed (step S62). As a result of this check, if a match with the negative data is obtained (step S63), it is checked whether the match is with the lost or stolen negative data or with the excess credit amount negative data (step S64). If the data matches the stolen negative data, the card processing terminal device 2 is returned to the card processing terminal device 2 with invalidity due to loss or theft (step S65). An invalid response is returned (step S66).
[0060]
As a result of the check in step S62, when no match with the negative data is obtained (step S63), the current usage amount is added to the one month cumulative usage amount, and this addition result is compared with the one month usage limit amount. (Step S67) If the addition result is larger, the card processing terminal device 2 is replied to the card processing terminal device 2 by invalidation due to the excess of the credit amount (Step S66). The validity is returned (step S68).
[0061]
As described above, the processing center apparatus 3 stores the monthly credit amount for each card, and stores the monthly accumulated usage amount from the settlement information transmitted from the card processing terminal apparatus 2. Therefore, “one month's credit amount” is compared with “sum of the one month's cumulative usage amount and the current usage amount”, and “sum of the one month's cumulative usage amount and the current usage amount” is changed to “one month's credit amount”. If the amount exceeds the "credit amount", an invalidity is returned to the card processing terminal device 2 due to the excess of the credit amount.
[0062]
Next, the processing of creating negative credit excess data in the processing center device 3 will be described with reference to the flowchart shown in FIG. The processing described below is mainly executed under the control of the CPU 31.
[0063]
When the payment information and the validity inquiry of the card 1 are received from the card processing terminal device 2 (step S71), it is checked whether or not the current use is the first use this month (step S72). The accumulated usage amount for one month recorded in the magnetic disk device 33 is set to the initial value “0” (step S73), and unless it is the first usage this month, the processing in step S73 is not performed.
[0064]
As described above, when the payment information and validity inquiry received from the card processing terminal device 2 is the first time of the current month, the processing center device 3 changes the cumulative usage amount for one month to “0”. It is also possible to change the cumulative usage amount for one month to “0” by updating the month of the processing center device 3.
[0065]
Next, it is checked whether payment information has been received from the card processing terminal device 2 (step S74). If payment information has not been received, the process returns to step S71, and if payment information has been received. Then, it is checked whether or not the usage content in the settlement information is subject to the addition of the accumulated usage amount for one month (step S75). In this case, it is assumed that if the card processing terminal device 2 is a POS terminal device, the cumulative usage amount for one month is to be added, and if the card processing terminal device is an automatic ticket gate device, the cumulative usage amount for one month is not to be added.
[0066]
If it is determined in step S75 that the cumulative usage amount for one month is not to be added (automatic ticket gate), the process returns to step S71, and if the cumulative usage amount for one month is to be added (POS terminal device), the magnetic disk device 33 Is updated to an addition result obtained by adding the current usage amount to the one month cumulative usage amount recorded in step S76 (step S76).
[0067]
Next, the one-month cumulative usage amount updated in step S76 is compared with the one-month credit amount recorded in the magnetic disk device 33 (step S77). If the one-month credit amount is larger, the process proceeds to step S77. Returning to the processing of S71, if the accumulated usage amount for one month is larger, the card number of the card is registered in the negative credit excess data (step S78), and the processing returns to step S71.
[0068]
Although the present embodiment has been described as processing in which the current usage amount is not added to the one-month cumulative usage amount during the processing of the automatic ticket gate, the processing is to add the usage amount, and the comparison in step S77 is performed by setting. May not be performed.
[0069]
As described above, from the settlement information received from the card processing terminal device 2, the “current usage amount” is added to the “one month cumulative usage amount”, and the “cumulative usage amount per month” after the addition is “one month”. Is exceeded, the credit amount is registered in the negative credit amount excess data.
[0070]
As described above, according to the above-described embodiment, the high security of the IC card is utilized to the utmost, and the negative data check and the transmission of the payment information are not performed by the online real-time processing every time the conventional method is used. Payment can be completed instantly and offline, and the payment processing can be performed quickly and inexpensively without using a communication line or a CAFIS center.
[0071]
Further, by setting the daily usage limit, the risk of loss or theft of the card can be reduced to the daily usage limit. Further, when the usage amount exceeds the daily usage limit, the risk can be suppressed by making an inquiry to the processing center device and performing a negative check and a credit amount overcheck.
[0072]
As described above, since the online processing is not performed each time the payment is performed, it is possible to reduce the cost required for the payment processing. Further, since the online processing is not performed each time the payment is made, the payment processing can be performed in a short time. Further, since the settlement process can be performed in a short time, the settlement process of the usage fee in the automatic ticket gate can be easily performed. Furthermore, by giving an upper limit to the total amount of use on a day or a month, it is possible to reduce the risk that collection is impossible.
[0073]
In the above embodiment, the case where a non-contact type IC card (so-called wireless card) is used as a card which is a portable information recording medium has been described, but the present invention is not limited to this. For example, contact type IC car At There may be.
[0074]
【The invention's effect】
As described in detail above, according to the present invention, it is possible to perform a payment process in a short time, to reduce the cost of the payment process, and to easily perform a payment process of a usage fee using an automatic ticket gate. Can be provided.
[Brief description of the drawings]
FIG. 1 is a block diagram schematically showing a configuration of a usage fee payment system according to the present invention.
FIG. 2 is a flowchart illustrating processing of a card processing terminal device when using a card.
FIG. 3 is a flowchart illustrating processing of a card processing terminal device when using a card.
FIG. 4 is a flowchart illustrating processing of a card processing terminal device when using a card.
FIG. 5 is a flowchart illustrating processing of the card processing terminal device when using a card.
FIG. 6 is a flowchart illustrating processing of the card processing terminal device when using a card.
FIG. 7 is a flowchart for explaining processing of the processing center device when the card processing terminal device inquires about card validity;
FIG. 8 is a flowchart illustrating a process of creating excess credit negative data in the processing center device.
[Explanation of symbols]
REFERENCE SIGNS LIST 1 information recording card (portable information recording medium), 1 card processing terminal device (information recording medium processing terminal device), 3 processing center device (host device), 11 control unit, 12 memory, 13 communication Control units 21, 31 CPU, 22, 32 memory, 23, 33 magnetic disk device, 24, 34 output device, 25, 35 input device, 26, 36 communication device, 27 card reading / writing Device.

Claims (1)

An IC card having a memory capable of recording the accumulated usage amount, a card processing terminal device for processing the IC card, and a host device serving as a higher-order device of the card processing terminal device;
Reading means for reading an accumulated amount of use from a memory of the IC card presented by a user in the card processing terminal device;
Updating means for updating the accumulated usage amount read by the reading means based on the current usage amount;
Comparing means for comparing the accumulated usage amount updated by the updating means with usage limit data indicating the usage limit amount;
As a result of the comparison by the comparing means, when the updated cumulative usage amount is smaller than the usage limit data, the updated cumulative usage amount is set as a new cumulative usage amount in the memory of the IC card. First processing means for recording;
As a result of the comparison by the comparing means, when the updated cumulative usage amount is larger than the usage limit data, the host device is inquired as to whether to permit use of the IC card, Second processing means for recording the updated cumulative usage amount as a new cumulative usage amount in the memory of the IC card;
A third processing means for permitting the use of the IC card only on the day when the host apparatus receives a notification from the host apparatus that the credit card has not been used in response to the inquiry by the second processing means;
A usage fee payment system comprising:

Images