JP5184175B2 - Card processing system, card processing method, and card processing program - Google Patents

Description

  The present invention relates to a card processing system, a card processing method, and a card processing program that perform settlement processing using an IC card.

  Traditionally, in newspaper dealers and cleaning shops, for users other than users who make payments by direct debit, collection managers such as newspaper dealers and cleaning shops regularly visit each household. It was common to collect money. The method of collecting money by the collection staff visiting the homes regularly is based on the early morning and late-night hours desired by the user, or if the visitor is absent but the user is absent. There is a problem that a visit must be made again and it takes a lot of time to collect money. Another problem is that payment cannot be made if the person in charge of collection cannot be met.

In order to solve such a problem, a technique for notifying a user that a due date for a utility bill is approaching has been proposed. For example, as described in Patent Document 1, an email is sent from a company that charges a utility bill to a user's terminal, and the user receives this and goes to the installation location of an electronic money payment machine or the like for payment. There is something to complete. According to this, since the user can know that the payment due date is approaching, the user can surely pay.
JP 2008-027166 A

  However, even if the method described in Patent Document 1 is used, it is not possible for the user to make payment immediately after receiving the notification, and there is a problem that the user has to go to the place where the electronic money payment machine is installed. In addition, since payment is not possible immediately after receiving the notification, there is a problem that the user is forgotten and the payment is not made.

  The present invention has been made in view of such circumstances. A card processing system, a card processing method, and a card processing system that can reliably charge a fee and allow a user to perform payment processing at their own convenience. An object is to provide a card processing program.

The present invention provides a control information transmitting means for establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house, and the control information the IC card information read in the received the IC card reader and received from the IC card reader, characterized by comprising a card processing execution means for executing a card processing is a predetermined settlement processing.

The present invention provides a control information transmitting means for establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house, and the IC card reader. A communication line establishing means for establishing a communication line with a user's communication terminal, and an operation information receiving means for receiving information input by the communication terminal via the communication line with the communication terminal; the IC card information read in the IC card reader it receives the control information received from the IC card reader, the card processing is a predetermined settlement processing based on the information which is the operation input and the IC card information And card processing execution means for executing.

The present invention provides a control information transmitting step of establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house, and the control information receives IC card information read in the received the IC card reader from the IC card reader, and having a card processing execution step of executing the card processing is a predetermined settlement processing.

The present invention provides a control information transmitting step of establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house, and the IC card reader A communication line establishing step for establishing a communication line with the communication terminal of the user, and an operation information receiving step for receiving information input by the communication terminal via the communication line with the communication terminal; the IC card information read in the IC card reader it receives the control information received from the IC card reader, the card processing is a predetermined settlement processing based on the information which is the operation input and the IC card information Card processing execution step for executing

The present invention provides a control information transmitting step of establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house, and the control information the IC card information read in the received the IC card reader and received from the IC card reader, characterized in that to perform the card processing execution step to the computer running the card processing is a predetermined settlement processing.

The present invention provides a control information transmitting step of establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house, and the IC card reader A telephone line establishment step for establishing a telephone line with the user's telephone terminal based on the telephone number of the user and an operation input at the communication terminal via the communication line with the communication terminal an operation information receiving step of receiving information, the IC card information read in the IC card reader it receives the control information received from the IC card reader, based on the information which is the operation input and the IC card information And a card processing execution step for executing card processing as predetermined settlement processing.

  According to the present invention, it is possible to reliably charge a fee and the like, and it is possible to obtain an effect that a user can perform payment processing for his / her convenience.

  Hereinafter, a card processing system according to an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing the configuration of the embodiment. In this figure, reference numeral 1 denotes a user's house, and here, description will be made on the assumption that a resident (user) of this house performs payment processing. Reference numeral 2 denotes a billing server that performs billing processing for a fee to be paid by the user. Reference numeral 3 denotes a SIP server that implements an Internet Protocol telephone (hereinafter referred to as an IP telephone) using SIP (Session Initiation Protocol). Reference numeral 4 denotes a relay server that executes card processing safely in cooperation with an IP telephone. Reference numeral 5 denotes a payment server that executes a payment process using a credit card.

  Reference numeral 11 is a communication control device installed in the user's home 1 and connected to the Internet 6 and has a routing function. Reference numeral 12 denotes a telephone connected to the communication control device 11 and realizing an IP telephone. Reference numeral 13 denotes a card reader / writer connected to the communication control device 11 to which the telephone 12 is connected. The card reader / writer reads the credit card number recorded in the IC cards 14 and 15 and writes necessary information in the IC card. Sloppy. The IC card 14 is a service card for authenticating a member who receives a service for making a predetermined payment by the card reader / writer 13 at home. The IC card 15 is a credit card or an electronic money card and is an IC card for performing settlement. Instead of the telephone 12 that implements the IP telephone shown in FIG. 1, a normal fixed telephone may be used.

  Next, with reference to FIG. 2, a processing operation for making a payment by using a credit card of an IC card owned by a subscriber for a newspaper subscription fee for settlement by the card processing system shown in FIG. 1 will be described. FIG. 2 is a sequence diagram showing the operation of the card processing system when paying a newspaper subscription fee. First, the operator who charges the fee registers the URI of the card reader / writer 13 of the user who performs payment processing of the newspaper subscription fee with the IC card in the fee-charging server 2. The billing server 2 transmits a script registration request for performing payment processing by the card reader / writer 13 installed at home to the relay server 4 (step S1). This script registration request includes the telephone number of the user and the URI of the card reader / writer 13. In response, the relay server 4 designates the URI of the user's card reader / writer 13 and transmits a script registration request including script data to the card reader / writer 13 (step S2).

  Receiving the script registration request, the card reader / writer 13 registers the script data included in the script registration request in itself and executes the registered script data (step S3). Thereby, the lamp provided in the card reader / writer 13 is turned on. The user confirms that the lamp is lit (step S4), and holds the IC card 15 (settlement card) over the card reader / writer 13 (step S5). In response to this, the card reader / writer 13 reads the information recorded in the IC card 15, performs a payment process (step S6), and transmits the payment information to the relay server 4. The settlement server 4 relays this settlement information and transfers it to the settlement server 5 (step S7).

  Next, the settlement server 5 receives settlement information from the relay server 4 (step S8), performs settlement processing, and transmits settlement information obtained as a result to the billing server 2 (step S9). The billing server 2 receives this settlement process (step S10), and the billing and payment process for the newspaper subscription fee ends.

  Here, the script execution processing operation in the card reader / writer 13 shown in FIG. 1 will be described with reference to FIG. First, the card reader / writer 13 reads the first script in the registered script data (step S71) and resets (type switching) (step S72). Then, polling is executed (step S74), and it is determined whether an IC card is held over (step S74). If the result of this determination is that the IC card is not held up, it is determined whether or not there is a next script (step S8a). If there is no next script, the process returns to step S71 to repeat the processing. If there is a next script, the next script is read (step S8b), and the process proceeds to step S72.

  On the other hand, if the IC card is held over, the card reader / writer 13 reads out the area information described in the script from the IC card (step S75). It is determined whether or not the reading is successful (step S76). If the reading is not successful, it is determined whether or not there is a next script (step S8a). If there is no next script, the process returns to step S71 to perform the processing. repeat. If there is a next script, the next script is read (step S8b), and the process proceeds to step S72.

  Next, when the reading is successful, the card reader / writer 13 executes a command (Read, Write, etc.) described in the script (Step S77), and accesses the address described in the script (Step S78). If multiple commands are listed in the script, all those commands are executed. Subsequently, the card reader / writer 13 transmits a command execution result to the address described in the script (step S79), and deletes the executed script (step S80). Then stop the script.

  Next, detailed operations of the relay server 4, the card reader / writer 13, and the IC card 15 will be described with reference to FIG. First, when a script is registered from the relay server 4 (step S81), the card reader / writer 13 executes the script at the head of the queue periodically (for example, the payment date of the monthly newspaper subscription fee). Then, the card reader / writer 13 performs Type A polling (step S82). If an IC card is present, the card reader / writer 13 proceeds to the next step. If there is no IC card, Type C polling is performed (step S83).

  If there is an IC card, the card reader / writer 13 issues a read command for area A (step S84), and issues a write command for area B (step S85). On the other hand, when the reading fails, a read command for area C is issued (step S86), and a write command for area D is issued (step S87). If either of the processes in steps S84 and S86 is successful, the card reader / writer 13 transmits settlement start information including the read card type to the relay server 4 (step S88). In response, the relay server 4 performs settlement with the IC card 15 (step S89).

  As described above, the settlement processing can be performed at the payer's home by holding the IC card 15 for settlement over the card reader / writer 13 installed in the payer (user) home of the newspaper subscription fee. Further, since the card reader / writer 13 is installed at home, the billing process can be executed even when the user is absent, and the IC card 15 is simply held over the card reader / writer 13 when the user returns home. Payment processing can be performed.

  Next, with reference to FIG. 3, a modified example of the processing operation in which the card processing system shown in FIG. 1 is used to make payment by using a credit card with an IC card owned by the subscriber for the newspaper subscription fee will be described. FIG. 2 is a sequence diagram showing the operation of the card processing system when paying a newspaper subscription fee using a telephone.

  First, the operator of the charge requester sends the URI of the card reader / writer 13 of the user who performs payment processing of the newspaper subscription fee to the charge request server 2 with the IC card and the telephone number of the telephone 12 installed in the user's house. Register. Then, the charge billing server 2 transmits a script registration request for performing payment processing by the card reader / writer 13 installed at home to the relay server 4 (step S11). This script registration request includes the telephone number of the user and the URI of the card reader / writer 13. In response, the relay server 4 designates the URI of the user's card reader / writer 13 and transmits a script registration request including script data to the card reader / writer 13 (step S12).

  Upon receiving the script registration request, the card reader / writer 13 registers the script data included in the script registration request in itself and executes the registered script data (step S13). Thereby, the lamp provided in the card reader / writer 13 is turned on. The user confirms that the lamp is lit (step S14), and holds the IC card 14 (service card) over the card reader / writer 13 (step S15). In response to this, the card reader / writer 13 transmits the result of executing the script for reading the information recorded on the IC card 14 to the relay server 4 (step S16). The relay server 4 relays the script execution result (step S17) and transfers it to the charge billing server 2.

  The billing server 2 receives the script execution result from the relay server 4 (step S18), authenticates the user, and sends a call to the telephone number of the user's telephone 12 (step S19). Thereby, the telephone 12 calls (step S20). The user makes a telephone response to this call (step S21). Here, the billing server 2 utters a voice message requesting payment of a newspaper subscription fee by voice synthesis. The user who has heard this confirms the contents (step 22) and performs an operation indicating that the payment is accepted using the dial button of the telephone 12 (step S23). The billing server 2 reads the contents of this button operation and confirms the will of payment (step S24).

  Next, the fee billing server 2 transmits settlement information (newspaper subscription fee, etc.) to the relay server 4 (step S25). Receiving this, the relay server 4 transmits a settlement processing request to the card reader / writer 13 (step S26). The card reader / writer 13 that has received the payment processing request executes the previously registered script data to start the payment processing (step S27). Thereby, the lamp provided in the card reader / writer 13 is turned on. The user confirms that the lamp is lit (step S28), and holds the IC card 15 (settlement card) over the card reader / writer 13 (step S29). In response to this, the card reader / writer 13 reads the information recorded in the IC card 15, performs a payment process (step S30), and transmits the payment information to the relay server 4. The relay server 4 relays this payment information and transfers it to the payment server 5 (step S31).

  Next, the settlement server 5 receives settlement information from the relay server 4 (step S32), performs settlement processing, and transmits settlement information obtained as a result to the billing server 2 (step S33). The billing server 2 receives this settlement process (step S34), and the billing and payment process for the newspaper subscription fee ends.

  In this way, the payer's intention can be displayed by the telephone 12, and the payment can be made by holding the IC card 15 for settlement over the card reader / writer 13 installed in the payer (user) home of the newspaper subscription fee. Settlement processing can be performed at the person's home.

  Next, processing operations performed by the relay server 4 on behalf of the charge billing server 2 by the card processing system shown in FIG. 1 will be described with reference to FIG. FIG. 2 is a sequence diagram showing the operation of the card processing system when the relay server 4 performs a plurality of payment processes for one user instead of the charge server 2.

  First, the operator of the charge requester sends the URI of the card reader / writer 13 of the user who performs payment processing of the newspaper subscription fee to the charge request server 2 with the IC card and the telephone number of the telephone 12 installed in the user's house. Register. Then, the charge billing server 2 transmits a script registration request for performing payment processing by the card reader / writer 13 installed at home to the relay server 4 (step S41). This script registration request includes the telephone number of the user and the URI of the card reader / writer 13. Similarly, a script registration request is transmitted to the relay server 4 for other charge billing servers (for example, electricity charges, gas charges, etc.). In response to this, the relay server 4 designates the URI of the user's card reader / writer 13 and transmits a script registration request including script data to the card reader / writer 13 (step S42).

  Receiving the script registration request, the card reader / writer 13 registers the script data included in the script registration request in itself and executes the registered script data (step S43). Thereby, the lamp provided in the card reader / writer 13 is turned on. The user confirms that the lamp is lit (step S44), and holds the IC card 14 (service card) over the card reader / writer 13 (step S45). In response to this, the card reader / writer 13 transmits the result of executing the script for reading the information recorded on the IC card 14 to the relay server 4 (step S46). The relay server 4 receives this script execution result (step S47).

  When the payment card type is different, the relay server 4 selects one according to the received script execution result, authenticates the user based on the received script execution result, and sends a call to the telephone number of the user's telephone 12 (Step S48). As a result, the telephone 12 calls (step S49). The user makes a telephone response to this call (step S50). Here, the relay server 4 utters a voice message for requesting payment of a newspaper subscription fee, for example, by voice synthesis. The user who has heard this confirms the contents (step 51), and when there are a plurality of payments, the user performs an operation of selecting one of the plurality of payments and performs an operation indicating that the payment is accepted. 12 dial buttons are used (step S52). The relay server 4 reads the contents of this button operation and confirms the will of payment (step S53).

  Next, the relay server 4 transmits a settlement processing request to the card reader / writer 13 (step S54). The card reader / writer 13 that has received the payment processing request executes the previously registered script data to start the payment processing (step S55). Thereby, the lamp provided in the card reader / writer 13 is turned on. The user confirms that the lamp is lit (step S56), and holds the IC card 15 (settlement card) over the card reader / writer 13 (step S57). In response to this, the card reader / writer 13 reads the information recorded in the IC card 15, performs a payment process (step S58), and transmits the payment information to the relay server 4. The relay server 4 relays this payment information and transfers it to the payment server 5 (step S59).

  Next, the settlement server 5 receives settlement information from the relay server 4 (step S60), performs a settlement process, and transmits a settlement completion notification obtained as a result to the relay server 4 (step S61). When the relay server 4 receives the settlement completion notification (step S62), the relay server 4 transmits this settlement completion notification to the charge billing server 2 (step S63). On the other hand, the settlement server 5 transmits the settlement information to the fee server 2 (step S66). The fee billing server 2 receives the settlement completion notification from the relay server 4 (step S64) and also receives the settlement information from the settlement server 5 (step S65), and the billing and payment processing ends.

  As described above, since the relay server 4 performs a plurality of payment processes for one user in place of the plurality of billing servers 2, the processing load of the billing server 2 can be reduced and the payer (user ) By holding the IC card 15 for settlement over the card reader / writer 13 installed at home, it becomes possible to perform settlement processing for a plurality of payments at the payer's home.

  As described above, since the charge billing server 2 or the relay server 4 executes the process for requesting payment to the card reader / writer 13 at the user's house, it is possible to reliably charge the fee. Further, since the card reader / writer 13 is installed at the user's home, the user can perform payment processing at his / her own convenience. As a result, it is possible to save the trouble of periodic collection work and reduce the omission of collection of charges. Further, once the billing process is executed, the payment process only needs to be executed when the user holds the IC card, so that the processing load on the server can be reduced.

  A program for realizing the function of the processing unit in FIG. 1 is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into the computer system and executed to execute processing on the IC card. May be performed. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, what is called a difference file (difference program) may be sufficient.

It is a block diagram which shows the structure of one Embodiment of this invention. It is a sequence diagram which shows operation | movement of the card processing system shown in FIG. It is a sequence diagram which shows operation | movement of the card processing system shown in FIG. It is a sequence diagram which shows operation | movement of the card processing system shown in FIG. It is a flowchart which shows operation | movement of the card reader / writer 13 shown in FIG. It is a sequence diagram which shows the processing operation of IC card 15, the card reader / writer 13, and the relay server 4 which are shown in FIG.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... User's house, 11 ... Communication control apparatus, 12 ... Telephone, 13 ... Card reader / writer, 14, 15 ... IC card, 2 ... Billing server, 3 ... SIP server, 4 ... relay server, 5 ... settlement server, 6 ... Internet

Claims (6)

Control information transmitting means for establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house;
And wherein the IC card information read in the received the IC card reader control information received from the IC card reader, and a card processing execution means for executing a card processing is a predetermined settlement processing Card processing system. Control information transmitting means for establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house;
A communication line establishing means for establishing a communication line with a communication terminal of a user of the IC card reader;
Operation information receiving means for receiving information input by operation at the communication terminal via a communication line with the communication terminal;
Receiving the IC card information read in the IC card reader it receives the control information from the IC card reader, the card processing is a predetermined settlement processing based on the information which is the operation input and the IC card information A card processing system comprising: card processing execution means for executing. A control information transmission step of establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house;
The control information by receiving the IC card information read in the received the IC card reader from the IC card reader and characterized in that it has a card processing execution step of executing the card processing is a predetermined settlement processing Card processing method. A control information transmission step of establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house;
A communication line establishment step for establishing a communication line with a communication terminal of a user of the IC card reader;
An operation information receiving step for receiving information input by operation at the communication terminal via a communication line with the communication terminal;
Receiving the IC card information read in the IC card reader it receives the control information from the IC card reader, the card processing is a predetermined settlement processing based on the information which is the operation input and the IC card information And a card processing execution step for executing the card processing. A control information transmission step of establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house;
The IC card information read in the IC card reader it receives the control information received from the IC card reader, that causes the card processing execution step of executing the card processing is a predetermined settlement processing in a computer Characterized card processing program. A control information transmission step of establishing a communication line via a network and transmitting control information including settlement processing information to an IC card reader installed in a user's house;
A telephone line establishment step for establishing a telephone line with the user's telephone terminal based on the telephone number of the user of the IC card reader;
An operation information receiving step for receiving information input by operation at the communication terminal via a communication line with the communication terminal;
Receiving the IC card information read in the IC card reader it receives the control information from the IC card reader, the card processing is a predetermined settlement processing based on the information which is the operation input and the IC card information A card processing program for causing a computer to execute a card processing execution step to be executed.

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