JP6473489B1 - Prepaid charge settlement system, method and program - Google Patents

Abstract

A prepaid charge amount settlement system using a credit card, a prepaid card or a debit card as a settlement means is provided.
A prepaid charge amount settlement system reads a prepaid card information, accepts a charge operation, a means for storing sales processing card information, a sales processing card information and a charge operation. Based on the means of creating an authorization message, based on the prepaid card information and charge operation, on the basis of the charge message, and on the sales processing card information and charge operation A means for creating a data message, a means for sending a charge message to the first system, a means for sending an authorization message and a sales data message to the second system, and a charge based on the sales data message. And means for using a sales processing card to settle the amount of money.
[Selection] Figure 1

Description

  The present invention relates to a prepaid charge amount settlement system, method and program. More specifically, the present invention relates to a prepaid charge amount settlement system, method and program using a credit card, prepaid card or debit card as a settlement means for the settlement of the charge amount between a prepaid card charge reception store and a prepaid card company.

  Payments using prepaid cards are in widespread use. A prepaid card is a magnetic card, an IC card, or the like that prepaid a usage amount, and a card that can be used repeatedly by adding (charging) a balance is known. As a method of charging a prepaid card, a method of charging at a store is known.

  The method of charging at a store is performed by a prepaid card user delivering cash and a prepaid card to a charge reception store (hereinafter referred to as a reception store) and requesting a charge. The reception store causes a terminal such as a POS (point of sales system) or CCT (credit center terminal) installed in the reception store to read the prepaid card and transmits a charge message including information such as a charge amount to the prepaid card company. . The system of the prepaid card company performs a balance addition process for a given prepaid card based on the received charge message.

  In the above method of charging at the storefront, cash is received by the reception store, and therefore, it is necessary to settle the charge amount between the reception store and the prepaid card company. In general, the prepaid card company makes a monthly charge to the reception store, and the reception store makes a transfer to the prepaid card company in response to the charge.

  However, in the conventional method of charging at the store, the prepaid card company bears the risk of collecting the charge amount at the reception store from the time of charging until the charge amount is settled. The prepaid card company also needs to make a charge when the charge amount is settled, and as the number of reception stores increases, the office work related to the charge also increases. The reception store needs to make a transfer when the charge amount is settled.

  The present invention provides a prepaid charge amount settlement system that uses a credit card, prepaid card or debit card as a settlement means for the settlement of the charge amount between a prepaid card charge acceptance store and a prepaid card company. With the goal.

  A prepaid charge amount settlement system according to one aspect of the present invention includes a means for reading prepaid card information and receiving a charge operation, a means for storing information on a card for sales processing, and information on a card for sales processing. And a means for creating an authorization message based on a charge operation, a means for creating a charge message based on a prepaid card information and a charge operation, and a card information for sales processing and a charge operation. Based on the means for creating the sales data message, the charge message to the first system, the authorization message and the sales data message to the second system, and the sales data message. And means for using a sales processing card for the settlement of the charge amount.

  According to the present invention, the prepaid card company can reduce the collection risk of the charge amount for the reception store. Prepaid card companies also eliminate the need for a charge for reimbursement. The reception store does not require a transfer related to the settlement of the charge amount. The reception store can also withdraw the charge amount together with the charge of the credit card usage amount other than the charge amount, so the work load of the reception store does not increase.

  Furthermore, in implementing the present invention, an existing terminal such as POS / CCT installed at the reception store can be used, and no additional capital investment is required.

It is a figure which illustrates the whole structure containing the system which concerns on this invention. It is a figure which illustrates the composition of the reception store terminal concerning the present invention. It is a figure which illustrates the composition of the credit card company system concerning the present invention. It is a figure which illustrates the data item of member store information DB which concerns on this invention. It is a figure which illustrates the data item of the authorization message | telegram DB which concerns on this invention. It is a figure which illustrates the data item of settlement information DB which concerns on this invention. It is a figure which illustrates the processing flow of the charge of a prepaid card based on this invention, a sales process, and the adjustment of a charge amount.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the plurality of drawings, the same reference numeral represents the same element, and redundant description is omitted. In this specification, it is assumed that a charge business consignment contract is concluded between the reception store and the prepaid card company. Further, it is assumed that a charge member store contract is concluded between the prepaid card company and the credit card company. The charge member store contract is a contract including a content that the credit card company takes over the charge amount from the prepaid card company. The reception store has a credit card (for example, a corporate card), a debit card or a prepaid card. The credit card in the following description can be replaced with a debit card or a prepaid card.

(overall structure)
FIG. 1 is a diagram illustrating an overall configuration including a system according to the present invention. FIG. 1 illustrates reception store terminals 110a, 110b... And 110n (hereinafter collectively referred to as reception store terminals 110), a network 120, a prepaid card company system 130, and a credit card company system 140.

  The reception store terminal 110 is a terminal installed in the reception store, and can be a terminal such as a POS / CCT installed in a supermarket, a shopping center, a convenience store, or the like. The reception store terminal 110 can perform operations such as charging a prepaid card and settlement of a credit card, a prepaid card, and a debit card. The reception store terminal 110 is communicably connected to the prepaid card company system 130 and the credit card company system 140 via the network 120.

  For example, when a conventional terminal such as POS / CCT causes a prepaid card to be read by a terminal such as POS / CCT and a charging operation is performed, a charge message can be transmitted to the prepaid card company system 130. When a terminal such as POS / CCT reads a credit card from a terminal such as POS / CCT and performs an operation such as payment, an authorization message and sales data may be transmitted to the credit card company system 140. it can. Authorization refers to a process in which a credit card company approves a credit card transaction at a member store. If the transaction is approved by authorization, the credit card can be used. A conventional terminal such as POS / CCT is configured to transmit a telegram corresponding to an operation such as charging or settlement.

  The reception store terminal 110 can set a credit card (for example, a corporate card) of the reception store as a sales processing card when charging a prepaid card. Sales processing in the case of charging a prepaid card means that the prepaid card charge amount is handled as sales of a prepaid card company. That is, when charging a prepaid card, sales data of a credit card is created and the credit card number of the reception store is associated. The credit card number of the reception store may be stored non-temporarily at the reception store terminal 110 or may be read each time by the reception store terminal 110. By setting in this way, the reception store terminal 110 can create the sales data of the credit card of the reception store where the charge amount of the prepaid card is the credit card usage amount and the usage destination is the prepaid card company. . The reception store terminal 110 may create sales data of the credit card of the reception store for each issuer's prepaid card company according to the read prepaid card information among a plurality of types of prepaid cards. The reception store terminal 110 may also associate a fixed credit card number when creating sales data when only a specific prepaid card is charged. The reception store terminal 110 can also set a prepaid card or a debit card of the reception store as a sales processing card.

  The reception store terminal 110 can also perform a validity check from the read prepaid card information, and can check whether the charge amount input by the charge operation can be charged. The reception store terminal 110 can further transmit a charge message to the prepaid card company system 130 and transmit an authorization message and sales data message to the credit card company system 140. Hereinafter, the messages transmitted and received between the reception store terminal 110 and the credit card company system 140 including the message of authorization and the message of sales data are collectively referred to as “authorized message”. The charge message transmitted to the prepaid card company system 130 is the same as the conventional format.

  The network 120 can be a well-known network capable of mutual communication between the reception store terminal 110 and the prepaid card company system 130 and between the reception store terminal 110 and the credit card company system 140, and is particularly limited. There is nothing. The charge message and the authorization message are transmitted via the network 120.

  The prepaid card company system 130 is a system of a company that performs prepaid card issuance, balance management, etc., and is responsible for prepaid card settlement, and includes one or a plurality of server devices. The prepaid card company system 130 can add the balance of a given prepaid card based on the charge message received from the reception store terminal 110. The prepaid card company system 130 can also send a notification to the reception store terminal 110 that the balance of the prepaid card has been added. Since the prepaid card balance addition process is widely implemented, the description in this specification is omitted.

  The credit card company system 140 is a system of a company that performs credit card issuance, credit management, etc., and handles credit card payments, and includes one or a plurality of server devices. The credit card company system 140 checks the validity of the credit card based on the authorization message received from the reception store terminal 110, etc., performs the credit card sales process based on the sales data message, Create a usage statement for each member. The usage details are provided to the credit card user by mail or online, for example. The credit card company system 140 can also perform a settlement process on a monthly basis to calculate a transfer amount for the prepaid card company.

  FIG. 2 is a diagram illustrating the configuration of the reception store terminal 110 according to the present invention. As illustrated in FIG. 2, the control unit 111, the main storage unit 112, the auxiliary storage unit 113, the reader 114, the operation unit 115, the interface (IF) unit 116, the display unit 117, and the data processing unit 118 are connected by a bus 119 or the like. Is done.

  The control unit 111 is also called a central processing unit (CPU), controls each component of the reception store terminal 110 and calculates data, and stores the program stored in the auxiliary storage unit 113 in the main storage unit 112. It can be read and executed. The main storage unit 112 is also called a main memory, and can store various types of input data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 113 is a storage device such as a hard disk (HDD), and is used when storing data and programs for a long period of time.

  The reader 114 is composed of devices such as a magnetic card reader, a barcode reader, and an IC chip reader, and can read information such as a prepaid card, a credit card, and a debit card. The operation unit 115 includes devices such as buttons, a touch panel, a pointing device, and a keyboard, and can accept various commands and input data. For example, the operation unit 115 can receive a charge operation command, an input of a charge amount, and the like from a store clerk or the like of the reception store.

  The IF unit 116 is an interface for transmitting and receiving data to and from other systems and devices. For example, the IF unit 116 can transmit the prepaid card information and the charge message read by the reader 114 to the prepaid card company system 130 via the network 120, and can transmit the authorization message to the credit card company system 140. . The IF unit 116 can also receive various processing results from the prepaid card company system 130 and / or the credit card company system 140 via the network 120. The display unit 117 is configured by a device such as a display, and can provide an operation selection screen, a confirmation screen for charge amount and balance, a display screen for operation results, and the like.

  When the prepaid card charging operation is performed at the reception store terminal 110, the data processing unit 118 can create a preset credit card authorization telegram and sales data telegram at the reception store. The data processing unit 118 determines, for example, whether the prepaid card is valid from the information of the prepaid card read by the reader 114, triggered by the charge operation received by the operation unit 115, and the charge amount exceeds the chargeable amount. It can be determined whether or not. For example, the data processing unit 118 may read the credit card number of the reception store stored in the main storage unit 112, the auxiliary storage unit 113, or the like with the charge operation received by the operation unit 115 as a trigger. The data processing unit 118 can create authorization and sales data in which the prepaid card charge amount input by the operation unit 115 is used as the credit card usage amount of the reception store and the usage destination is the prepaid card company.

  FIG. 3 is a diagram illustrating the configuration of the credit card company system 140 according to the present invention. As illustrated in FIG. 3, the control unit 141, the main storage unit 142, the auxiliary storage unit 143, the IF unit 144, the member store information DB 145, the authorization message DB 146, and the payment information DB 147 are connected by a bus 149 or the like.

  Since the control unit 141, the main storage unit 142, and the auxiliary storage unit 143 have the same functions as the control unit 111, the main storage unit 112, and the auxiliary storage unit 113 of the reception store terminal 110 described above, description thereof is omitted. The IF unit 144 is an interface when data is transmitted to and received from the reception store terminal 110. For example, the IF unit 144 can receive an authorization message from the reception store terminal 110 via the network 120, and can transmit a response to the authorization message to the reception store terminal 110.

  The member store information DB 145 is a database (DB) that stores information on member stores that have signed a member store contract with a credit card company. Basic information of member stores, bank account information at the time of payment, etc. are included and can be updated as necessary.

  The authorization message DB 146 is a DB that stores the authorization message received from the reception store terminal 110. An authorization message is a message generated for a credit card transaction of a cardholder at a member store, and the business categories indicating the contents of the credit card transaction are “pre-authorization (credit)”, “sales”, “cancellation / return”. Including telegrams. The authorization message includes a credit card number, information for identifying a member store (member store ID), a usage amount, and the like.

  The settlement information DB 147 is a DB that stores settlement information for each member store that is generated based on the authorization message stored in the authorization message DB 146. The settlement information can include an amount obtained by subtracting a predetermined fee in addition to the credit card usage amount. The data stored in the settlement information DB 147 can be used when calculating the amount of account transfer for the member store.

  The authorization telegram DB 146 and the settlement information DB 147 can store various data of credit cards associated with general transactions that can be normally performed with credit cards and prepaid card charges.

  FIG. 4 is a diagram illustrating data items of the member store information DB 145 according to the present invention. The member store information DB 145 can include a member store ID 401, member store information 402, and account information 403, but can also include other data items.

  The member store ID 401 is an identifier for uniquely identifying the member store, and is assigned to each member store. The member store ID 401 can be, for example, an ID that uniquely identifies a prepaid card company. The member store information 402 can include a member store name, a location, a telephone number, and the like. The account information 403 is account information of the member store, and can be used when the charge amount is settled.

  FIG. 5 is a diagram illustrating data items of the authorization message DB 146 according to the present invention. The authorization message DB 146 can include a card number 501, member store ID 502, date and time 503, business classification 504, and usage amount 505, but can also include other data items.

  The card number 501 indicates the number of a credit card used for credit card payment at a member store. When a prepaid card charging operation is performed at the reception store terminal 110, the card number 501 is the credit card number of the reception store. The member store ID 502 is an identifier for identifying a member store for which a credit card payment has been made. When a prepaid card charging operation is performed at the reception store terminal 110, the member store ID 502 is an ID for identifying the prepaid card company that issued the card. Can do. The member store ID 502 can be associated with the member store ID of the member store information DB 145. The date and time 503 indicates the date and time when the card payment is performed at the member store. When the prepaid card is charged at the reception store terminal 110, the date and time when the charging operation is performed can be set. The business category 504 indicates the contents of a credit card transaction, such as sales. The usage amount 505 indicates the usage amount of the credit card, and when the prepaid card charging operation is performed at the reception store terminal 110, the usage amount 505 can be set equal to the charging amount.

  FIG. 6 is a diagram illustrating data items of the settlement information DB 147 according to the present invention. The settlement information DB 147 can include the member store ID 601, the date and time 602, the business category 603, the usage amount 604, and the settlement amount 605, but can also include other data items such as a credit card number.

  The data item of the settlement information DB 147 may be created based on the common data item of the authorization message DB 146. For example, the member store ID 601 of the settlement information DB 147 may be created based on the member store ID 502 of the authorization message DB 146. Similarly, the date and time 602, the business category 603, and the usage amount 604 of the settlement information DB 147 may be created based on the date and time 503, the business category 504, and the usage amount 505 of the authorization message DB 146, respectively. The settlement amount 605 is calculated based on the usage amount 604. The settlement amount 605 can be an amount obtained by subtracting a predetermined fee from the usage amount 604.

  FIG. 7 is a diagram illustrating a processing flow of prepaid card charging, sales processing, and charge settlement according to the present invention. Hereinafter, a scene in which a user of a prepaid card requests a storefront charge at a reception store will be described. It is assumed that the reception store terminal 110 has set a credit card of the reception store as a card for sales processing of the charge amount. The card for sales processing of the charge amount can be a prepaid card or a debit card in addition to the credit card.

(Charge implementation)
In step S701, the user of the prepaid card delivers the cash and the prepaid card to the reception store and applies for a charge.

  In step S <b> 702, the reception store terminal 110 is operated by a store clerk at the reception store, for example, and reads information of the prepaid card by the reader 114. The reception store terminal 110 also transmits the read prepaid card information to the prepaid card company system 130 by the IF unit 116 using a charge operation command received by the operation unit 115 as a trigger.

  In step S702, if the read prepaid card is a prepaid card that can hold information such as a balance, the reception store terminal 110 may check the validity of the prepaid card. In this case, the reception store terminal 110 does not transmit the read information on the prepaid card to the prepaid card company system 130, and checks the validity of the prepaid card using a charge operation command received by the operation unit 115 as a trigger. The validity check is performed as to whether the prepaid card is valid based on the expiration date, the usage suspension status, and the like. When the prepaid card is unusable (NG), the fact that the prepaid card is not usable is displayed on the display unit 117 of the reception store terminal 110 so that it can be confirmed by the store clerk at the reception store and transmitted to the user of the prepaid card. May be. On the other hand, if the prepaid card is available (OK), the chargeable amount is calculated based on the charge upper limit amount and the balance obtained from the prepaid card information, and the process proceeds to step S708.

  In step S <b> 703, the prepaid card company system 130 receives prepaid card information from the reception store terminal 110. The prepaid card information may include an expiration date, usage suspension status, etc., or an ID that uniquely identifies the prepaid card is received, and associated information such as the expiration date, usage suspension status, etc. is acquired. Also good.

  In step S <b> 704, the prepaid card company system 130 performs validity check as to whether the prepaid card is valid based on the expiration date obtained from the received prepaid card information, the use suspension status, and the like. When the prepaid card is not usable (NG), the prepaid card company system 130 transmits an unusable notice to the reception store terminal 110.

  In step S705 (in the case of NG in step S704), the reception store terminal 110 receives a prepaid card unavailable notification. The unavailable notification may be displayed on the display unit 117 of the reception store terminal 110 to be confirmed by the store clerk of the reception store and transmitted to the user of the prepaid card. When a prepaid card usage unavailability notification is received, the subsequent processing is not performed.

  In step S706 (in the case of OK in step S704), the prepaid card company system 130 calculates a chargeable amount based on the charge upper limit amount and the balance obtained from the information on the prepaid card, and transmits it to the reception store terminal 110.

  In step S707, the reception store terminal 110 receives the chargeable amount.

  In step S <b> 708, the reception store terminal 110 receives an input of a charge amount through the operation unit 115.

  In step S709, the reception store terminal 110 performs a charge amount check on whether the charge amount input in step S708 exceeds the chargeable amount calculated in step S702 or the chargeable amount received in step S707. If the input charge amount exceeds the chargeable amount, charge is not allowed (NG).

  In step S710 (in the case of NG in step S709), the reception store terminal 110 issues a prepaid card charge impossibility notification. The charge disapproval notification may be displayed on the display unit 117 of the reception store terminal 110 so as to be confirmed by the store clerk of the reception store and transmitted to the user of the prepaid card. If the prepaid card cannot be charged, the subsequent processing is not performed.

  In step S711 (in the case of OK in step S709), the reception store terminal 110 creates an authorization message based on the charge amount input in step S708 and the credit card information of the reception store set as a sales processing card. To do. The reception store terminal 110 also transmits an authorization message to the credit card company system 140.

  In step S712, the credit card company system 140 receives an authorization message from the reception store terminal 110. The authorization telegram is associated with the credit card number of the reception store.

  In step S713, the credit card company system 140 checks the validity of the credit card based on the information on the credit card of the reception store included in the received authorization message. The validity check is performed by checking the expiration date, credit, etc. obtained from the number included in the authorization message, and if the transaction cannot be approved, it is determined as unavailable (NG).

  In step S714 (in the case of NG in step S713), the reception store terminal 110 receives a credit card unavailability notification. The unavailability notification may be displayed on the display unit 117 of the reception store terminal 110 and checked by the store clerk of the reception store.

  In step S715 (in the case of OK in step S713), the credit card company system 140 transmits the check result to the reception store terminal 110. The check result is the content for authorizing the credit card transaction.

  In step S716, the reception store terminal 110 receives the check result from the credit card company system 140.

  In step S717, the reception store terminal 110 creates a charge message based on the prepaid card information read in step S702 and the charge amount input in step S708. The reception store terminal 110 also transmits a charge message to the prepaid card company 130.

  In step S718, the prepaid card company system 130 receives a charge message from the reception store terminal 110. The charge message includes prepaid card information, charge amount, and the like.

  In step S719, the prepaid card company system 130 performs a prepaid card balance addition process based on the prepaid card information obtained from the charge message, the charge amount, and the like. When an error occurs in the prepaid card balance addition process, the prepaid card company system 130 notifies the reception store terminal 110 of an error. The error notification may be displayed on the display unit 117 of the reception store terminal 110. Moreover, based on the cancellation message received from the reception store terminal 110, a charge cancellation process is performed. The balance addition processing, error notification, and charge cancellation processing can be performed by conventional techniques.

  In step S720, the user of the prepaid card is notified that charging has been completed. The notification of completion may be confirmed by the store clerk of the reception store by displaying it on the display unit 117 or the like of the reception store terminal 110 and transmitted to the user of the prepaid card.

(Sales processing)
In step S721, the reception store terminal 110 creates credit card sales data based on the charge amount input in step S708 and the credit card information of the reception store set as a sales processing card. The reception store terminal 110 also transmits the sales data to the credit card company system 140. The sales data includes the credit card number of the reception store, the usage amount, the member store ID, and the like. The usage amount is the same as the charge amount input in step S708. The member store ID is an ID that uniquely identifies the prepaid card company that issued the prepaid card read in step S702.

  In step S722, the credit card company system 140 receives sales data from the reception store terminal 110. The credit card company system 140 stores the received sales data information in the authorization message DB 146.

  In step S723, the credit card company system 140 performs credit card sales processing based on the authorization message stored in the authorization message DB 146. By sales processing, the credit card company can handle the authorization telegram created in connection with the charge as the credit card usage of the reception store where the usage destination is the prepaid card company and the usage amount is the same as the charge amount. it can.

(pay off)
In step S724, the credit card company system 140 settles the credit card usage amount in a period such as one month at a predetermined timing. The settlement of the usage amount may be totaled by scheduled batch processing or the like for various data of the authorization message stored in the authorization message DB 146. The credit card company system 140 stores, in the settlement information DB 147, the result of the aggregation processing according to the purpose, such as for each credit card at the reception store and each prepaid card company at the member store. Alternatively, although not shown in the figure, the result of the tabulation process may be stored using another DB according to the purpose.

  In step S725, the reception store receives the credit card usage details of the reception store from the credit card company, and is settled by debiting the account. In addition to the withdrawal of the charge amount, it is also possible to withdraw the usage amount for normal settlement.

  In step S726, the prepaid card company deposits an amount obtained by subtracting a fee from the charge amount from the credit card company by transfer or the like. The credit card company can make a transfer using information such as the payment amount 605 of the payment information DB 147 and the account information 403 of the member store information DB 145.

  By doing in this way, the prepaid card company can reduce the collection risk of the charge amount for the reception store, and there is no need to charge for the settlement of the charge amount. The reception store does not require a transfer related to the settlement of the charge amount, and the charge amount can be withdrawn together with a charge for a credit card usage amount other than the charge amount, so that a simple settlement can be performed.

  In another embodiment, when the reception store terminal 110 performs a prepaid card charging operation and creates an authorization message, the business classification may be “charge” or the like. The business category “charge” or the like is stored in the business category 504 of the authorization message DB 146, the business category 603 of the settlement information DB 147, and the like, and can be handled as information for distinguishing from a normal credit card usage amount. By setting the business classification to charge instead of sales, the credit card company system 140 can be used for various data aggregation as information for credit card usage details, credits, and the like.

  Although the principle of the present invention has been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the spirit of the present invention. Will understand. That is, the present invention can adopt an embodiment as, for example, a system, apparatus, method, program, or storage medium.

120 network 119, 149 bus

Claims (8)

Means for reading prepaid card information and accepting a charge operation;
Means for storing card information for sales processing;
Means for creating an authorization message based on the information on the sales processing card and the charge operation;
Means for creating a charge message based on the information on the prepaid card and the charge operation;
A means for creating a telegram of sales data based on the information of the card for sales processing and the operation of the charge;
Means for transmitting the charge message to the first system, and transmitting the authorization message and the sales data message to the second system;
Means for using the sales processing card to settle the amount of the charge based on a message of the sales data;
Prepaid charge amount settlement system with.   A means for checking the validity of the prepaid card; a means for checking a charge amount input in the charge operation; and a means for making a transaction approval determination based on a message of the authorization. The prepaid charge amount adjustment system according to claim 1. A computer-implemented method comprising:
Read prepaid card information and accept charge operations;
Memorize card information for sales processing,
Creating an authorization message based on the sales processing card information and the charge operation, and sending the authorization message to a second system;
Creating a charge message based on the prepaid card information and the charge operation, and sending the charge message to the first system;
Creating a sales data telegram based on the sales processing card information and the charge operation, and transmitting the sales data telegram to the second system ;
Using the sales processing card for settlement of the amount of the charge based on a message of the sales data;
Including methods.   4. The method according to claim 3, further comprising: checking validity of the prepaid card, checking a charge amount input in the charge operation, and determining transaction approval based on a message of the authorization. The method described.   The program for making a computer perform the method of Claim 3 or 4. A device used to charge a prepaid card,
Read prepaid card information, accept charge operations,
Stores information about sales processing cards,
Create an authorization message based on the information on the sales processing card and the charge operation,
Based on the information on the prepaid card and the charge operation, a charge message is created,
Based on the information of the card for sales processing and the operation of the charge, create a message of sales data to be used for the settlement of the amount of the charge,
Sending the charge message to the first system, and sending the authorization message and the sales data message to the second system;
Device configured.   7. The apparatus according to claim 6, further configured to check validity of the prepaid card, check a charge amount input in the charge operation, and determine transaction approval based on a message of the authorization. The device described.   The device according to claim 6 or 7, wherein the authorization message, the charge message, and the sales data message include the same amount information.

Images