JP3579365B2 - Usage fee payment method and usage fee payment system - Google Patents

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a usage fee payment method and a usage fee payment system in which a usage fee such as a fare or a product purchase price is settled using a prepaid card such as a prepaid card in a transportation agency or a distribution agency.
[0002]
[Prior art]
Recently, for example, in a transportation system, the usage fee (fare) is settled by a prepaid card such as a prepaid card To do Is being done. In the payment by a prepaid card, for example, by inserting a card into an automatic ticket gate, the usage fee is automatically subtracted from the balance of the card. At this time, when the balance of the prepaid card is exhausted, the balance of the card is automatically increased (additional) from a transaction account or the like.
[0003]
[Problems to be solved by the invention]
However, in the conventional accumulation of the balance by the prepaid card, when the card balance (available fee) runs out, the balance is automatically accumulated. In this case, even in the case where there is no ability to pay the credit, there is a risk that the system operator will not be able to collect the credit (usage) because the credit card will be automatically credited when the card is depleted. There was a problem that occurred.
[0004]
Accordingly, an object of the present invention is to provide a usage fee payment method and a usage fee payment system that can significantly improve the convenience of the user and can significantly reduce the risk of the system operator.
[0005]
[Means for Solving the Problems]
The usage fee payment method according to the present invention includes: data indicating an available fee, presented by a user; From the portable information recording medium in which the last accumulation date and time when the previous accumulation was performed is stored in advance, the data indicating the available charge and the accumulation amount are stored. A reading step of reading the indicated data and the previous accumulation date and time by the reading means, and a first calculating step of calculating by the calculating means the subtraction of the current usage fee from the data indicating the available fee read by the reading step. A first judging step of judging whether or not the operation result of the first operation step has become smaller than a predetermined value set in advance, and a judgment result of the first judgment step not being smaller than the predetermined value. When the calculation result of the first calculation step is recorded on the portable information recording medium by the recording means as data indicating a new available fee. A first recording step, a second judging step of judging by the judging means whether or not the present use date matches the last accumulation date read from the portable information recording medium, and this second judging step. As a result of the determination in the step, when the current use date does not match the previous accumulation date and the determination result in the first determination step is less than a predetermined value, the calculation result in the first calculation step is A second calculating step in which the calculating means adds data indicating the extra amount read from the portable information recording medium, and using the calculation result of the second calculating step as data indicating a new available fee. As a result of the second recording step of recording on the portable information recording medium by the recording means and the determination by the second determination step, the present use date matches the last accumulation date and time, and the first When step determining result is less than the predetermined value, a third recording for recording by said first recording means to said portable information recording medium a calculation result of the calculation steps as data showing the available new rates And steps.
[0006]
In addition, the usage fee payment of the present invention The system includes data indicating available charges, data indicating a charge for increasing the charge, and a portable information recording medium on which a previous charge date and time when the previous charge was performed is recorded in advance. An information recording medium processing device for processing a portable information recording medium, and a host device serving as a host device of the information recording medium processing device, wherein the portable information presented by a user in the information recording medium processing device. From the recording medium, reading means for reading the data indicating the available charge, data indicating the accumulation amount, and the last accumulation date and time, and subtracting the current usage charge from the data indicating the available charge read by the reading means. A first calculating means for performing the leaving calculation, and a first determination means for determining whether or not the calculation result of the first calculating means is less than a predetermined value set in advance. Means for recording, on the portable information recording medium, a result of the calculation by the calculating means as data indicating a new available fee when the result of the determination by the first determining means is not less than a predetermined value. And second determining means for determining whether or not the current usage date matches the last accumulation date and time read from the portable information recording medium. As a result of the determination by the second determining means, If the date does not coincide with the previous accumulation date and the determination result of the first determination means is less than a predetermined value, the calculation result of the first calculation means is added to the product read from the portable information recording medium. Second computing means for performing an operation of adding data indicating an increase, and second recording for recording the computation result of the second computing means as data indicating a new available fee on the portable information recording medium. Means and the second determination means As a result of the determination, when the current use date matches the previous accumulation date and the determination result of the first determination unit is less than a predetermined value, the calculation result of the first calculation unit is newly used. Third recording means for recording on the portable information recording medium as data indicating a possible fee Is provided.
[0009]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[0010]
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.
[0011]
The card 1 is used as a prepaid card and is, for example, a non-contact IC card (so-called wireless card), a control unit 11 including a CPU and the like, and a nonvolatile memory 12 such as an EEPROM as a storage unit. , And a communication control unit 13 for performing wireless communication with an external device (card processing terminal device 2). These components are formed into IC chips and are embedded in the card body.
[0012]
The memory 12 is provided with a card number, which is a number unique to the card, card type information (additional amount), expiration date information indicating the expiration date of the card, a remaining card which is an available charge, and a service for each use of the card. The accumulated point amount obtained by accumulating the point amount (predetermined amount), the last accumulation date and time when the previous accumulation was performed, the accumulation impossible information, the unusable information due to the loss and theft, and the use log information are recorded (stored). . The card type information is, in other words, data indicating the amount of credit of the card. That is, the card 1 includes a plurality of types of cards each having a different amount of credit, and data indicating the amount of credit is card type information.
[0013]
The card processing terminal device 2 is, for example, an automatic ticket gate device in a railway or a POS terminal device in a distribution organization such as a supermarket or a department store. In the following description, the case where the automatic ticket gate device is used will be described.
[0014]
The card processing terminal device 2 includes, for example, a CPU 21 that controls overall control, a memory 22 that functions as a work memory, a magnetic disk device 23 as storage means for storing various data, an output device 24 such as a display or a printer, a keyboard, and the like. Input device 25, 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. It is configured.
[0015]
The magnetic disk device 23 records (stores) negative data (lost, stolen, unaccountable), automatic accumulating amount for each card type, automatic accumulating condition information (automatic accumulating set amount), and the like.
[0016]
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).
[0017]
The magnetic disk device 33 includes card issuing information (card number, card type information (additional amount), contact information such as name and address, transfer account information for transferring a deposit, etc.), and settlement information (withdrawal, additional amount). ), Negative data (lost and stolen, unaccountable), unaccountable release data, and the like are recorded (stored).
[0018]
Next, the processing of the card processing terminal device 2 at the time of using a card in the above 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.
[0019]
In the present embodiment, when applying for the card 1, a predetermined amount is deposited from the user as a deposit and stored in the processing center device 3 as a deposit in association with the card number of the card 1. Then, when the card 1 is used for the first time, this deposit is accumulated on the card 1. In addition, the same amount may be recorded on the card 1 in addition to the deposit. In this case, the user will receive twice the amount of the deposit.
[0020]
First, 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 By wireless communication, card number, card type information (additional amount), expiration date information, card balance, accumulated point amount, previous accumulation date and time, accumulation impossible information, and unusable information are read from card 1 (step S1). ), And temporarily store it in the memory 22.
[0021]
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.
[0022]
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.
[0023]
If no unusable information is recorded in step S5, a check is made to determine whether the information matches negative data (lost, stolen, unaccountable) (step S8). That is, in the negative data, the card number of the card reported to be lost or stolen or the card number determined to be non-additive is registered, and is transmitted from the processing center device 3. Therefore, in step S8, it is checked whether or not the card number read from the card 1 matches the card number of the negative data.
[0024]
If a match with the negative data is obtained in step S8, it is checked whether the match is with the lost or stolen negative data or with the non-accumulative negative data (step S9). If they match, the card 1 is disabled (step S10).
[0025]
Next, the unusable information due to the loss or theft recorded on the card 1 is set to "impossible" (step S11), and the card cannot 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 S12). ). Next, unusable information is transmitted to the processing center device 3 (step S13), and the process ends.
[0026]
If it is determined in step S9 that the data does not match the accumulation-impossible negative data, the accumulation-impossibility information recorded on the card 1 is set to "impossible" (step S14), and the unusable information is transmitted to the processing center device 3 (step S14). S15).
[0027]
As described above, the card processing terminal device 2 receives the non-cumulative negative data from the processing center device 3, checks the match with the card used in the card processing (by the card number), and determines that the matched card cannot be multiplied. The information is made unacceptable, and the unusable information is transmitted to the processing center device 3. In addition, when the processing center device 3 receives the payment information of the accumulation from the card processing terminal device 2, it performs an account transfer in order to apply a deposit to be described later. When the account transfer is not possible, the card is registered in negative data for which accumulation is not possible.
[0028]
When the processing in step S15 is completed, or when no match with the negative data is obtained in step S8, a check is made with the accumulation impossible release data (step S16). That is, the accumulation impossible release data has the card number of the card for which the accumulation impossible cancellation is registered, and is transmitted from the processing center device 3. Therefore, in step S16, it is checked whether or not the card number read from the card 1 matches the card number of the accumulation impossible release data.
[0029]
In step S16, if a match with the accumulation impossible release data is obtained, the accumulation impossible information recorded on the card 1 is changed to "accumulation possible" (step S17) and used for the processing center device 3. The unremovable information is transmitted (step S18), and if the coincidence with the accumulation unremovable data is not obtained, the processes in steps S17 and S18 are not performed.
[0030]
As described above, the card processing terminal device 2 performs a match check (by the card number) between the card whose accumulation non-permission information is “impossible” and the accumulation non-permission release data received from the processing center device 3, and finds a match. The non-rechargeable information of the card is changed to “rechargeable”, and the unusable release information is transmitted to the processing center device 3. Therefore, the card is no longer “non-cumulative”. Note that the processing center device 3 performs an account transfer retry described later, and when the account transfer is completed, registers the card in the accumulation impossible release data and deletes the card from the accumulation impossible negative data.
[0031]
Next, it is checked whether or not withdrawal has occurred (step S19). If withdrawal has occurred, the current withdrawal amount (current usage fee) is compared with the accumulated point amount read from the card 1 (step S20). If the withdrawal amount is smaller than the accumulated point amount, use (withdrawal from the accumulated point amount) is permitted (step S21).
[0032]
Next, an operation of subtracting the current withdrawal amount from the accumulated point amount read from the card 1 is performed, and the calculation result is recorded on the card 1 as a new accumulated point amount (step S22), and the payment information (card The number, processing content, card balance, usage amount, usage details, usage date and time, usage location, equipment used, product code, etc.) are stored (recorded) in the memory 22 (step S23).
[0033]
In step S20, if the current withdrawal amount is larger than the accumulated point amount, the current withdrawal amount is compared with the card balance read from the card 1 (step S24), and if the current withdrawal amount is smaller than the card balance, use is made. (Withdrawal from the balance of the card) is permitted (step S25).
[0034]
Next, an operation of subtracting the current withdrawal amount from the card balance read from the card 1 is performed, and the calculation result is recorded on the card 1 as a new card balance (step S26), and the accumulated point amount read from the card 1 is calculated. Is added to the current withdrawal amount, and the calculation result is recorded as a new accumulated point amount on the card 1 (step S27), and the payment information (card number, processing content, The remaining amount of the card, the amount of use, the contents of use, the date and time of use, the place of use, the equipment used, the product code, etc.) are stored (recorded) in the memory 22 (step S28).
[0035]
As described above, when [withdrawal amount ≦ accumulated point amount], the usage fee is withdrawn from the accumulated point amount instead of the remaining card amount. Also, when [withdrawal amount> cumulative point amount], the card is withdrawn from the remaining balance.
[0036]
In step S19, for example, in the case of the entry processing without removal of the automatic ticket gate, if there is no removal, or when the processing of steps S23 and S28 is completed, the remaining card amount read from the card 1 is recorded on the magnetic disk device 23. Is compared with the automatic accumulation condition information (automatic accumulation setting amount) (step S29), and if the card balance is smaller than the automatic accumulation setting amount, whether the accumulation impossible information read from the card 1 is "impossible accumulation". It is checked whether or not it is (step S30).
[0037]
As a result of this check, if the accumulation impossible information is not "accumulation impossible", it is checked whether or not the previous accumulation date and time read from the card 1 is the current day (step S31). Then, the automatic credit amount corresponding to the card type information read from the card 1 is read from the memory (the magnetic disk device 23) (step S32). That is, accumulation is made once a day.
[0038]
Next, an operation of adding the above-mentioned automatic credit to the card balance read from the card 1 is performed, and the calculation result is recorded on the card 1 as a new card balance (step S33). Is updated (step S34), and the payment information (card number, processing content, card balance, usage amount, usage details, usage date, usage location, usage device, product code, etc.) at this time is stored (recorded) in the memory 22. Then (step S35), the process proceeds to step S36.
[0039]
In step S29, if the card balance is larger than the automatic accumulation setting amount, if the result of the check in step S30 indicates that the accumulation impossible information is "unaccountable", and in step S31, the previous accumulation date and time is If there is, the process proceeds to step S36.
[0040]
As described above, when the remaining amount of the card becomes equal to or less than a predetermined value (automatic accumulation setting amount), the accumulation of the remaining amount of the card is automatically performed. When making an accumulation, online inquiry is not performed, and accumulation is performed under the following conditions.
[0041]
-The card cannot be multiplied is not "No multiplication".
[0042]
・ Must not accumulate on the day.
[0043]
In step S24, if the current withdrawal amount is larger than the remaining card amount, it is checked whether or not the accumulation impossible information read from the card 1 is "impossible accumulation" (step S37). Is "impossible to accumulate", the card 1 is disabled (step S38). Next, information indicating that the card cannot be used due to insufficient balance is displayed (voiced) on the output device 24 by voice or the like (step S39), and the process ends.
[0044]
In step S37, if the accumulation impossible information is not "accumulation impossible", it is checked whether or not the previous accumulation time read from the card 1 is the current day (step S40). The automatic credit amount corresponding to the card type information read from the card 1 is read from the memory (the magnetic disk device 23) (step S41).
[0045]
Next, it is checked whether or not the result of adding the automatic credit amount to the card balance read from the card 1 is larger than the current withdrawal amount (step S42). As a result of this check, if the current withdrawal amount is smaller than the calculation result, the last accumulation date and time in the card 1 is updated (step S43), and the accumulation settlement (calculation processing of adding the automatic accumulation amount to the card balance) is performed. (Step S44) and use (withdrawal from the remaining amount of the card) is permitted (step S45).
[0046]
Next, an operation of subtracting the current withdrawal amount from the result of the accumulation settlement in step S44 (card remaining amount + automatic accumulation amount) is performed, and the operation result is recorded on the card 1 as a new card remaining amount (step S46). Next, an operation of adding the point amount given to the current withdrawal amount to the accumulated point amount read from the card 1 is performed, and the operation result is recorded on the card 1 as a new accumulated point amount (step S47). The payment information (card number, processing content, card balance, usage amount, usage details, usage date and time, usage location, equipment used, product code, etc.) at that time is stored (recorded) in the memory 22 (step S48).
[0047]
In step S40, if the previous accumulation date is the current day, or if the current withdrawal amount is larger than the calculation result in step S42, the process proceeds to step S38, and the same operation as described above is performed.
[0048]
As described above, when [withdrawal amount> card balance], the credit is automatically collected without online inquiry according to the following conditions. As a result, if [withdrawal amount ≦ card balance], the withdrawal is performed. If accumulation is not possible, or even if accumulation is [deducted amount> card remaining amount], it is determined that the balance is insufficient and cannot be used.
[0049]
-The card cannot be multiplied is not "No multiplication".
[0050]
・ Must not accumulate on the day.
[0051]
By the way, in step S36, it is checked whether or not the accumulation impossible information in the card 1 is set to "impossible". As a result of this check, if the accumulation prohibition information is set to "impossible", it is checked whether or not withdrawal has been performed (step S49). The output device 24 provides guidance (notification) by display, sound, receipt, or the like by the output device 24 (step S50), and proceeds to step S51.
[0052]
In step S49, if the withdrawal has been performed, it is checked whether or not the withdrawal from the accumulated point amount has been performed (step S52). If the withdrawal from the accumulated point amount has not been performed (withdrawal from the remaining card amount), the process proceeds to step S49. The withdrawal amount, the card balance, the accumulated point amount, and the fact that the account transfer of the deposit has become impossible and the accumulation cannot be made are displayed (voiced) by the output device 24 by sound, receipt, or the like (step S53), and step S51 is performed. Proceed to.
[0053]
In step S52, if the withdrawal from the accumulated point amount has been performed, the output device 24 informs the user that the withdrawn amount by the point, the card balance, the accumulated point amount, the account transfer of the deposit and the accumulation cannot be performed. Guidance (notification) is provided by display, voice, receipt, or the like (step S54), and the process proceeds to step S51.
[0054]
In step S51, it is checked whether or not the payment information stored in the memory 22 is the payment information of the accumulation. As a result of this check, if it is the payment information of the accumulation, the payment information is transmitted to the processing center device 3 each time (step S55), and the process is ended. As a result of the check, if the payment information is not the payment information of the accumulation (payment information of withdrawal), the input device 25 transmits the payment information to the processing center device 3 by performing a transmission operation or a deadline operation (step). S56), the process ends.
[0055]
As described above, the transmission of the payment information to the processing center device 3 is performed at the time of payment in the case of additional payment information, each time of payment of the withdrawal payment information, or collectively for a plurality of transmission information. Alternatively, it is performed by a closing operation.
[0056]
If the accumulation impossible information is not set to "impossible" in step S36, it is checked whether or not the accumulation impossible information is set to "acceptable" (step S57). As a result of this check, if the accumulation unacceptable information is set to "accumulation possible", it is checked whether or not withdrawal has been performed (step S58). If withdrawal has been performed, whether or not withdrawal from the accumulated point amount has been performed It is checked whether or not it is (step S59).
[0057]
As a result of the check, if the withdrawal from the accumulated point amount has not been performed (withdrawal from the remaining card amount), it is checked whether or not the automatic accumulation has been performed (step S60). As a result of this check, if the automatic accumulation is not performed, the withdrawal amount, the card balance, the accumulated point amount, the termination of the account transfer of the deposit and the fact that the accumulation is possible at this time are displayed on the output device 24, a sound, Guidance (notification) is provided by a receipt or the like (step S61), and the process proceeds to step S51.
[0058]
In step S60, if the automatic accumulation is being performed, the output device indicates that the withdrawal amount, the card balance, the accumulated point amount, the deposit transfer of the deposit has been completed, the accumulation has been enabled, and the accumulation has been performed. 24, guidance (notification) is made by display, sound, receipt or the like (step S62), and the process proceeds to step S51.
[0059]
If withdrawal from the accumulated point amount has been performed in step S59, it is checked whether or not automatic accumulation has been performed (step S63). As a result of this check, if the automatic accumulation is not performed, the output device 24 displays the withdrawal amount by the points at this time, the remaining card amount, the accumulated point amount, the end of the account transfer of the deposit and the accumulation is possible, Guidance (notification) is made by voice, receipt, or the like (step S64), and the process proceeds to step S51.
[0060]
In step S63, if automatic accumulation is performed, it is determined that the withdrawal amount by the point at this time, the card balance, the accumulated point amount, the deposit transfer of the deposit has been completed, the accumulation has been enabled, and the accumulation has been performed. The output device 24 provides guidance (notification) by display, sound, receipt, or the like (step S65), and proceeds to step S51.
[0061]
If the withdrawal has not been performed in step S58, it is checked whether or not the automatic accumulation has been performed (step S66). As a result of this check, if the automatic credit has not been performed, the completion of the account transfer of the deposit and the fact that the credit has become available are displayed (voiced) by the output device 24 by sound, receipt, or the like (step S67). Proceed to step S51.
[0062]
In step S66, if the automatic accumulation has been performed, the completion of the account transfer of the deposit, the fact that the accumulation has been enabled, and the fact that the accumulation has been performed are displayed on the output device 24, and guidance (notification) is provided by voice, receipt, and the like. Then (step S68), the process proceeds to step S51.
[0063]
In step S57, if the accumulation prohibition information is not set to "accumulation possible", it is checked whether or not withdrawal has been performed (step S69). Is checked (step S70).
[0064]
As a result of this check, if the withdrawal from the accumulated point amount has not been performed (withdrawal from the remaining card amount), it is checked whether or not the automatic accumulation has been performed (step S71). As a result of this check, if the automatic accumulation has not been performed, the withdrawal amount, the card remaining amount, and the accumulated point amount at this time are displayed (voiced) or notified by the output device 24 by means of the output device 24 (step S72), and step S51 is performed. Proceed to.
[0065]
In step S71, when the automatic accumulation is performed, the amount of money to be removed, the remaining card amount, the accumulated point amount, and the fact that the accumulation has been performed at this time are displayed (voiced, notified, or notified) by the output device 24 by the output device 24 ( Step S73) and proceed to step S51.
[0066]
If withdrawal from the accumulated point amount has been performed in step S70, it is checked whether or not automatic accumulation has been performed (step S74). As a result of this check, if the automatic accumulation has not been performed, the withdrawal amount, the card remaining amount, and the accumulated point amount based on the points at this time are displayed (voiced) by the output device 24 by display, voice, receipt, etc. (step S75), Proceed to step S51.
[0067]
In step S74, when the automatic accumulation is performed, the amount of the withdrawal, the remaining card amount, the accumulated point amount, and the fact that the accumulation has been performed by the point at this time are displayed on the output device 24, and the guidance (notification) is provided by voice, receipt, or the like. Then (step S76), the process proceeds to step S51.
[0068]
If the withdrawal has not been performed in step S69, it is checked whether or not the automatic accumulation has been performed (step S77). As a result of this check, if the automatic accumulation is not performed, the process directly proceeds to step S51. If the automatic accumulation is performed, the output device 24 displays, notifies, informs, etc. by using the output device 24 that the accumulation has been performed. ) (Step S78), and the process proceeds to Step S51.
[0069]
In this way, various kinds of guidance are performed according to the processing contents. For example, withdrawal guidance with card balance, withdrawal guidance with points, withdrawal amount, card balance, point balance, automatic credit accumulation, unaccountable due to bank account debit, unaccountable accumulation, etc. It is what you do.
[0070]
Next, a process of creating the accumulation-impossible negative data and the accumulation-impossible cancellation 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.
[0071]
When the payment information from the card processing terminal device 2 is received (step S81), it is checked whether or not the payment information is for a card determined to be unaccountable (step S82). It is checked whether or not the payment information is an accumulation payment (step S83). As a result of this check, if the payment information is not the payment information, the process returns to step S81. If the payment information is the payment information, the transfer account information in the card issuance information of the card recorded in the magnetic disk device 33 is referred to. As a result (step S84), an instruction is given to the financial institution in which the account is opened (step S85).
[0072]
Next, it is checked whether or not the fund transfer process has been completed (step S86). If the transfer process has been completed, the process returns to step S81. If the transfer process has not been completed, it is determined that the account transfer has been impossible. Then, the card number of the card is registered in the accumulation-impossible negative data (step S87), and the process returns to step S81.
[0073]
As described above, when the processing center device 3 receives the payment information of the credit from the card processing terminal device 2, the processing center device 3 performs the account transfer to apply the deposit corresponding to the credit. If the account transfer is not possible, the card is registered in the accumulation-impossible negative data.
[0074]
By the way, in step S82, if it is the payment information of the non-additional card, the balance of the card read from the card 1 is compared with a preset amount of the account transfer retry (step S88). As a result of this comparison, if the card balance is larger than the account transfer retry amount, the process returns to step S81. If the card balance is smaller than the account transfer retry amount, the process returns to step S81. By referring to the transfer account information (step S89), an instruction is given to the financial institution in which the account is established (step S90).
[0075]
Next, it is checked whether or not the fund transfer process has been completed (step S91). If the transfer process has not been completed, it is determined that the account transfer has been impossible, and the process returns to step S81 to complete the transfer process. For example, the card number of the card is registered in the accumulation impossible release data (step S92), the card number of the card is deleted from the accumulation impossible negative data (step S93), and the process returns to step S81.
[0076]
As described above, when the account transfer is not possible, the retry of the account transfer is performed when the remaining amount of the card becomes equal to or less than the predetermined value (the account transfer retry amount). The conditions for the retry include, besides the above-mentioned card balance, when the account transfer becomes impossible, n times (predetermined number of times) the use (withdrawal) is performed, or the accumulation-impossible negative data is sent to the card processing terminal device 2. Implemented the next day after distribution.
[0077]
The processing center device 3 performs a retry of the account transfer, and when the account transfer is completed, registers the card in the accumulation impossible release data and deletes the card from the accumulation impossible negative data.
[0078]
As described above, according to the above embodiment, the convenience of the user can be remarkably improved by automatically accumulating the remaining amount of the so-called prepaid card. For the credit, the credit is temporarily received in advance as a deposit, and the credit after the credit is reallocated by account transfer.
[0079]
In this way, the amount equivalent to the credit is provisionally received as a deposit and the credit is automatically increased when the remaining amount of the card becomes less than a certain amount, so that the processing can be performed quickly without bothering the user. It becomes. When the deposit is accumulated on the card, the deposit is applied by fund transfer.
[0080]
In addition, since the accumulation is limited to once a day and the deposit is temporarily received, it is possible to reduce the risk.
[0081]
Further, the total amount of use per day may be accumulated and stored in a card, a card processing terminal device, or a processing center device, and if the amount exceeds the accumulated amount, use of the card may be prohibited. As a result, the total amount of usage per day can be reduced, and damage can be minimized in the event of loss or theft of a card.
[0082]
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, a contact-type IC card, a magnetic card, or the like may be used, and the present invention is not limited to a card, but may be a pen or a block.
[0083]
【The invention's effect】
As described in detail above, according to the present invention, it is possible to provide a usage fee payment method and a usage fee payment system that can significantly improve the convenience of the user and can significantly reduce the risk of the system operator.
[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 illustrating processing of the card processing terminal device when using a card.
FIG. 8 is a flowchart illustrating processing of the card processing terminal device when using a card.
FIG. 9 is a flowchart illustrating processing of the card processing terminal device when using a card.
FIG. 10 is a flowchart illustrating processing of the card processing terminal device when using a card.
FIG. 11 is a flowchart illustrating processing of the card processing terminal device when using a card.
FIG. 12 is a flowchart illustrating a process of creating accumulation-impossible negative data and accumulation-impossible cancellation data in the processing center device.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Information recording card (portable information recording medium), 2 ... Card processing terminal device (information recording medium processing terminal device), 3 ... Processing center device (host device), 11 ... Control part, 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 (11)

Data indicating the available charge, data indicating the amount of increase for increasing the charge, and the date and time of the previous accumulation of the previous accumulation, which are presented by the user, and are recorded in a portable information record. A reading step of reading , from the medium, the data indicating the available fee, the data indicating the amount of credit, and the date and time of last charging with a reading unit ;
A first calculation step in which the calculation means performs a calculation for subtracting the current usage fee from the data indicating the available fee read in the reading step;
A first judging step of judging by a judging means whether or not an operation result of the first operation step has become less than a predetermined value set in advance;
When the determination result of the first determination step is not less than a predetermined value, the calculation result of the first calculation step is recorded by the recording means on the portable information recording medium as data indicating a new available fee . Recording steps;
A second judging step of judging by the judging means whether or not the current use date matches the last accumulation date and time read from the portable information recording medium;
As a result of the determination in the second determination step, when the current use date does not match the previous accumulation date and the determination result in the first determination step is less than a predetermined value, the first calculation step A second calculating step in which the calculating means adds data indicating the amount of money read from the portable information recording medium to the calculation result of
A second recording step of recording the calculation result of the second calculation step as data indicating a new available charge on the portable information recording medium by a recording unit ;
As a result of the determination in the second determination step, when the current use date matches the previous accumulation date and the determination result in the first determination step is less than a predetermined value, the first calculation step A third recording step of recording the calculation result on the portable information recording medium by the recording means as data indicating a new available fee;
A usage fee payment method comprising: Usage fee payment method according to claim 1, wherein the calculation result of the first operation step and further comprising a notification step of notifying the notification unit to the user. In addition to the calculation result of the first calculation step, data indicating the amount of money read from the portable information recording medium is added, and a notification step of notifying the user that the charge has been performed by the notification means is further provided. usage fee payment method according to claim 1, characterized by including. In order to apply a deposit corresponding to the data indicating the additional amount when adding the data indicating the additional amount read from the portable information recording medium to the operation result of the first operation step and performing the additional operation. , usage fee payment method according to claim 1, characterized by further comprising a debit step of performing debit by debit means to financial institution specified in advance. The method according to claim 4 , wherein when the account transfer is not possible, the account transfer is performed again based on the use of the portable information recording medium. 5. The method according to claim 4 , wherein when the account transfer is not possible, the account transfer is performed again when the data indicating the available fee when the portable information recording medium is used becomes equal to or less than a predetermined value. Payment method. 5. The method according to claim 4 , wherein when the account transfer is not possible, the account transfer is performed again when the number of uses of the portable information recording medium reaches a predetermined value. A portable information recording medium in which data indicating an available charge, data indicating a charge amount for increasing the charge, and a previous charge date and time when the last charge was performed, and the portable information An information recording medium processing device that processes a recording medium, and a host device that is a host device of the information recording medium processing device,
In the information recording medium processing device, from the portable information recording medium presented by the user, data indicating the available fee, data indicating the amount of credit, and reading means for reading the last time and date of credit,
First computing means for performing an operation of subtracting the current usage fee from the data indicating the available fee read by the reading device;
First determining means for determining whether or not the calculation result of the first calculating means has become less than a predetermined value set in advance;
A first recording unit for recording, on the portable information recording medium, a calculation result of the calculation unit as data indicating a new available charge, when a determination result of the first determination unit is not less than a predetermined value;
Second determining means for determining whether or not the current use date matches the last accumulation date and time read from the portable information recording medium;
As a result of the determination by the second determining means, if the current use date does not match the previous accumulation date and the determination result of the first determining means is less than a predetermined value, the first calculating means Second arithmetic means for performing an arithmetic operation of adding data indicating the amount of money read from the portable information recording medium to the arithmetic operation result of
A second recording unit that records the calculation result of the second calculation unit on the portable information recording medium as data indicating a new available fee;
Results of determination by the second determination means, the current usage date coincides with the previous product, up date, and, if the determination result of said first determination means is less than a predetermined value, the first calculation means Third recording means for recording the calculation result on the portable information recording medium as data indicating a new available fee;
A usage fee payment system comprising: 9. The usage fee payment system according to claim 8 , further comprising a notifying unit for notifying the user of a calculation result of the first calculating unit. A notification unit for notifying the user that the accumulation has been performed by adding data indicating the amount of accumulation read from the portable information recording medium to the operation result of the first operation unit; 9. The usage fee payment system according to claim 8, wherein: In order to apply a deposit corresponding to the data indicating the additional amount when adding the data indicating the additional amount read from the portable information recording medium to the operation result of the first arithmetic unit and performing the additional operation. 9. The usage fee payment system according to claim 8 , further comprising an account transfer means for transferring an account to a previously designated financial institution.

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