JP7339046B2 - Prepaid payment service device - Google Patents

Description

The present invention relates to a prepaid settlement service device.

Conventionally, a technique related to a prepaid settlement service is described in Patent Document 1, for example. In the prior art described in Patent Document 1, a user pays an advance payment to charge a prepaid card at a store.

JP 2019-70932 A

However, in the above-described conventional technology, the user pays in advance for each prepaid card, so it takes time and effort to pay in advance to each user of the prepaid card.

SUMMARY OF THE INVENTION The present invention has been made in consideration of such circumstances, and its object is to reduce the user's trouble of prepayment in a prepaid settlement service.

(1) One aspect of the present invention comprises a first prepaid payment instrument and a plurality of second prepaid payment instruments associated with one of the first prepaid payment instruments, wherein the first prepaid payment The means contributes the price to be paid by the second prepaid payment means from the advance payment deposited by the user, and the second prepaid payment means contributes the contribution contributed from the first prepaid payment means. A prepaid payment service device used to pay a price, which stores first prepaid payment means management data in which a prepaid balance is recorded in association with an identifier of one of the first prepaid payment means 1 prepaid payment instrument management data storage unit, identifiers of a plurality of said 2nd prepaid payment instruments associated with an identifier of one said 1st prepaid payment instrument, and possession of said plurality of said 2nd prepaid payment instruments a second prepaid payment instrument management data storage unit for storing second prepaid payment instrument management data in which a balance is recorded; and a plurality of said second prepaid payment instruments associated with one said first prepaid payment instrument a control unit that determines whether or not to permit the settlement of the amount of the price for each individual request for settlement of the price; Said first prepaid payment means, as a process of contributing the price to be paid by said second prepaid payment means, adds the amount of said payment permitted to settlement in said first prepaid payment means management data to its own prepaid balance. and the second prepaid payment instrument for which the settlement is permitted is the contribution contributed from the one of the first prepaid payment instruments associated with itself in the second prepaid payment instrument management data The prepaid settlement service device adds the amount of the price to be paid by itself, which is the amount of , to its own holding balance, and subtracts the amount of payment to be paid by itself from the own holding balance after the addition.
(2) In one aspect of the present invention, in the prepaid payment service device of ( 1) above, the control unit simultaneously performs payment settlement for a plurality of second prepaid payment means associated with the same first prepaid payment means. In the event of a request, the prepaid balance of the relevant First Prepaid Payment Instruments shall be at least equal to or greater than the total price of all of the Second Prepaid Payment Instruments. This is a prepaid settlement service device used as a condition for permitting the settlement of the amount of payment in response to the request for settlement of payment .
( 3 ) In one aspect of the present invention, in the prepaid payment service device of either (1) or (2) above, the holding balance after payment of the price in the second prepaid payment means is a fixed amount. It is a prepaid payment service device.
( 4 ) One aspect of the present invention is the prepaid settlement service device according to ( 3 ) above, wherein the fixed amount is zero.

ADVANTAGE OF THE INVENTION According to this invention, the effect of being able to aim at reduction of the trouble which a user requires for advance payment in a prepaid settlement service is obtained.

1 is a block diagram showing a configuration example of a prepaid settlement service system according to one embodiment; FIG. FIG. 4 is a sequence diagram showing an example of the procedure of the prepaid settlement service method according to one embodiment; FIG. 4 is a sequence diagram showing an example of the procedure of the prepaid settlement service method according to one embodiment; It is a figure which shows the structure example of the 1st prepaid payment means management data which concerns on one Embodiment. It is a figure which shows the structure example of the 2nd prepaid payment instrument management data which concerns on one Embodiment. 1 is an explanatory diagram of a prepaid settlement service method according to one embodiment; FIG. 1 is an explanatory diagram of a prepaid settlement service method according to one embodiment; FIG. 1 is an explanatory diagram of a prepaid settlement service method according to one embodiment; FIG. 1 is an explanatory diagram of a prepaid settlement service method according to one embodiment; FIG. 1 is an explanatory diagram of a prepaid settlement service method according to one embodiment; FIG. 1 is an explanatory diagram of an example of a prepaid settlement service system according to one embodiment; FIG.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram showing a configuration example of a prepaid settlement service system according to one embodiment. In FIG. 1 , the prepaid settlement service system includes a prepaid settlement service device 1 . The prepaid settlement service device 1, the user terminal 2, the store terminal 3, and the financial institution 4 communicate with each other via the communication network NW. The communication network NW is, for example, a mobile phone network, a wireless communication network such as a wireless LAN (Local Area Network), or the Internet. A user terminal 2 is a terminal used by a user. As the user terminal 2, for example, a mobile computer device such as a smart phone or a tablet computer (tablet PC) may be used, or a stationary computer device may be used.

The prepaid settlement service device 1 is a device for providing a prepaid settlement service in which payment is settled within the amount prepaid by the user. The prepaid settlement service device 1 includes an issuing unit 10 and a control unit 11 . The issuing unit 10 provides (issues) the first prepaid payment means 110 and the second prepaid payment means 120 so that the user can use them in response to a request from the user. At least two or more second prepaid payment instruments 120 are issued for one first prepaid payment instrument 110 . Therefore, there are multiple second prepaid payment instruments 120 associated with one first prepaid payment instrument 110 .

The first prepaid payment means 110 manages the balance of the prepaid amount deposited by the user (prepaid balance). The second prepaid payment means 120 manages the balance of payment funds held by itself (holding balance). The first prepaid payment means 110 contributes the price to be paid by the second prepaid payment means 120 out of the advance payment received by the user. The second prepaid payment means 120 uses the contribution contributed from the first prepaid payment means 110 to pay the price.

The control unit 11 controls the prepaid settlement service device 1 .

The function of the prepaid payment service device 1 is that the prepaid payment service device 1 includes computer hardware such as a CPU (Central Processing Unit) and memory, and the CPU executes a computer program stored in the memory. It is realized by The prepaid settlement service device 1 may be configured using a general-purpose computer device, or may be configured as a dedicated hardware device. Also, the prepaid settlement service device 1 may be configured to open a website using, for example, the WWW system. Also, the functions of the prepaid settlement service device 1 may be realized by cloud computing.

Next, the operation of the prepaid settlement service system according to this embodiment will be described with reference to FIGS. 2 and 3. FIG. 2 and 3 are sequence diagrams showing an example of the procedure of the prepaid settlement service method according to this embodiment.

[Issuing stage of prepaid payment instruments]
The issuing stage of the prepaid payment means according to the present embodiment will be described with reference to FIG.

(Step S<b>101 ) The user uses the user terminal 2 to access the prepaid settlement service device 1 and perform an operation to request issuance of the first prepaid payment means 110 . The user terminal 2 transmits a first prepaid payment means issue request message including a user identifier (user ID) to the prepaid settlement service device 1 in response to the operation.

(Step S102) When the issuing unit 10 of the prepaid payment service device 1 receives the first prepaid payment instrument issue request message from the user terminal 2, the user ID included in the received first prepaid payment instrument issue request message is Execute the first prepaid payment instrument issuing process. In the first prepaid payment instrument issuing process, the new first prepaid payment instrument 110 is registered in the first prepaid payment instrument management data held by the prepaid settlement service device 1 . Specifically, in the first prepaid payment instrument management data illustrated in FIG. means ID), and create a management data area for the first prepaid payment means ID. For example, a management data area for the first prepaid payment instrument ID "MPREID_a1000" is created for the user ID "UID_a001" of the client user. A first prepaid payment instrument ID, a user ID, and a prepaid balance are described in each management data area of the first prepaid payment instrument management data. The initial prepaid balance is zero. The issuing unit 10 notifies the requesting user of the first prepaid payment instrument ID. The notification of the first prepaid payment instrument ID may be sent by e-mail or may be confirmed on the user-dedicated screen. Alternatively, the requester user may be notified of the first prepaid payment instrument ID by mail. It should be noted that the first prepaid payment means ID does not have to be notified to the client user.

(Step S<b>103 ) The user uses the user terminal 2 to perform an operation to deposit money into the first prepaid payment means 110 . As an example of the present embodiment, the user terminal 2 transmits a first prepaid payment instrument deposit request message including the first prepaid payment instrument ID and the deposit amount to the financial institution 4 in response to the operation. The financial institution 4 executes deposit processing based on the first prepaid payment instrument deposit request message, and sends a first prepaid payment instrument deposit completion message including the first prepaid payment instrument ID and the deposit amount to the prepaid settlement service. Send to device 1. The control unit 11 of the prepaid payment service device 1 confirms the payment by the first prepaid payment means payment completion message. Note that the payment completion message for the first prepaid payment means may not be sent from the financial institution 4, and the payment to the first prepaid payment means 110 may be confirmed on the prepaid settlement service apparatus side.
As another example, the user accesses the prepaid settlement service device 1 using the user terminal 2 and performs an operation to deposit money into the first prepaid payment means 110, and the prepaid settlement service device 1 makes the deposit. Depending on the operation, the financial institution 4 may be requested to carry out the deposit procedure.

(Step S104) The control unit 11 of the prepaid settlement service device 1 confirms the first prepaid payment instrument ID and the amount of deposit based on the confirmation result of the deposit to the first prepaid payment instrument 110. The first prepaid payment means 110 with the payment means ID is instructed to update the prepaid balance.

(Step S105) Upon receiving an instruction to update the prepaid balance from the control section 11, the first prepaid payment means 110 executes prepaid balance update processing for the amount of payment. Specifically, as illustrated in FIG. 6, the deposit amount is added to the prepaid balance in the management data area of the first prepaid payment instrument ID "MPREID_a1000" whose prepaid balance is to be updated. In the example of FIG. 6, the deposit amount "10,000 yen" is added to the prepaid balance (the value before the addition is zero) in the management data area of the first prepaid payment means ID "MPREID_a1000", and the prepaid amount after the addition is added. The balance is "10,000 yen".

(Step S106) The user accesses the prepaid settlement service device 1 using the user terminal 2 and performs an operation to request issuance of the second prepaid payment means 120 associated with the first prepaid payment means 110. . The user terminal 2 transmits a second prepaid payment instrument issue request message including the first prepaid payment instrument ID and the user ID to the prepaid settlement service device 1 in response to the operation.

(Step S107) When the issuing unit 10 of the prepaid payment service device 1 receives the second prepaid payment instrument issue request message from the user terminal 2, A second prepaid payment instrument issuing process is executed for the payment instrument ID and the user ID. In the second prepaid payment means issuing process, a new second prepaid payment means 120 is registered in the second prepaid payment means management data held by the prepaid settlement service device 1 . Specifically, in the second prepaid payment instrument management data illustrated in FIG. means ID), and the management data area of the second prepaid payment means ID is associated with the first prepaid payment means ID to be associated. For example, for the user ID "UID_a002" of the client user, the management data area of the second prepaid payment means ID "SPREID_a1001" is created in association with the first prepaid payment means ID "MPREID_a1000".
The number of users associated with the second prepaid payment means 120 may be one or plural. For example, a group to which multiple users belong (for example, a project within a corporation) can be associated with the second prepaid payment means 120, and the second prepaid payment means 120 can be shared within the group. can be
In this embodiment, the second prepaid payment means 120 and the user are associated with the second prepaid payment means management data. The first prepaid payment means 110 may be associated with the user, and the second prepaid payment means 120 may not be associated with the user. For example, the user or group associated with the first prepaid payment instrument 110 by the first prepaid payment instrument management data illustrated in FIG. It may be associated with the associated second prepaid payment means 120 .
Also, in this embodiment, the second prepaid payment means 120 and the user are associated, but the second prepaid payment means 120 and the user may not be associated. If the second prepaid payment means 120 and the user are not associated, the second prepaid payment means 120 can be used by any user.

Each management data area of the second prepaid payment instrument management data describes the second prepaid payment instrument ID, the user ID, and the holding balance. As an example of this embodiment, the initial value of the holding balance is zero. The issuing unit 10 notifies the requesting user of the second prepaid payment means ID. The notification of the second prepaid payment instrument ID may be sent by e-mail or may be confirmed on the user-dedicated screen. Alternatively, the requester user may be notified of the second prepaid payment instrument ID by mail. Alternatively, a card (prepaid card) on which information such as the second prepaid payment means ID is recorded may be created and distributed to the requesting user. The card may be a magnetic recording card or an IC card.

At least two or more second prepaid payment means 120 are issued for one first prepaid payment means 110 . Therefore, steps S106 and S107 are executed multiple times. As a result, as illustrated in FIG. 5, in the second prepaid payment instrument management data, the management data area of a plurality of second prepaid payment instrument IDs for one associated first prepaid payment instrument ID is created. For example, 20 second prepaid payment means 120 with a monthly usage limit of "100,000 yen" may be issued for the first prepaid payment means 110 with a prepaid balance of 1,000,000 yen. However, as long as no additional deposit is made to the first prepaid payment means 110 when a total of 1 million yen is paid by the second prepaid payment means 120, all the second prepaid payment means 120 can no longer be used.

[Use stage of prepaid payment instruments]
With reference to FIG. 3, the use stage of the prepaid payment means according to this embodiment will be described.

(Step S201) The user uses the second prepaid payment means 120 for payment when shopping at a store. The user presents the second prepaid payment instrument usage information such as the second prepaid payment instrument ID required to use the second prepaid payment instrument 120 at the store.

(Step S202) The store terminal 3 transmits a price settlement request message including the second prepaid payment means ID and the amount P of the price presented by the user to the prepaid settlement service apparatus 1.

(Step S203) When receiving the payment request message from the shop terminal 3, the control unit 11 of the prepaid payment service device 1 receives the second prepaid payment instrument ID and the amount of payment P included in the received payment request message. , confirms with the first prepaid payment means 110 and the second prepaid payment means 120 whether or not payment conditions are met. Examples of payment terms are listed below.

(Example of payment terms 1)
The prepaid balance of the first prepaid payment means 110 associated with the second prepaid payment means ID and the amount P of the price must satisfy a predetermined payment conditional expression. For example, it satisfies "(prepaid balance-P)≧Q, where Q is an arbitrary set value that is an integer equal to or greater than 0".

(Example of payment terms 2)
When payment settlement requests for a plurality of second prepaid payment means 120 associated with the same first prepaid payment means 110 are generated at the same time, the total price of all the second prepaid payment means 120 is set as P Satisfy Example 1 of

(Example 3 of payment terms)
The upper limit of one-time use of the second prepaid payment means 120 of the second prepaid payment means ID is greater than the price P.

(Example 4 of payment terms)
The sum of the actual monthly usage amount of the second prepaid payment instrument 120 of the second prepaid payment instrument ID and the price amount P added must not exceed the monthly usage limit.

The control unit 11 permits the settlement of the price P when all the payment conditions are satisfied, and does not permit the settlement of the price P when this is not the case.

(Step S<b>204 ) The control unit 11 of the prepaid settlement service device 1 replies to the store terminal 3 permitting or not permitting the settlement of the price P. If the settlement of the price amount P is not permitted, the price is not paid by the second prepaid payment means 120 . In this case, the processing of FIG. 3 ends. If the settlement of the price P is permitted, the process proceeds to step S205.

(Step S205) In the prepaid payment service device 1, the first prepaid payment associated with the second prepaid payment means 120 (the second prepaid payment means 120 of the contributor) permitted to settle the amount P of the price The means 110 (the first prepaid payment means 110 of the contribution source) executes a process of contributing the amount P of the fee for which settlement is permitted from its own prepaid balance. Specifically, the first prepaid payment means 110, which is the contributor, subtracts the amount P of the charge for which settlement is permitted from its own prepaid balance. For example, the amount P to be contributed "2,000 yen" is subtracted from the prepaid balance "10,000 yen" of the first prepaid payment means ID "MPREID_a1000" of the contribution source shown in FIG. As a result, as shown in FIG. 7, the prepaid balance of the first prepaid payment means ID "MPREID_a1000" of the contribution source becomes "8,000 yen".

(Step S206) The second prepaid payment means 120 of the contribution destination executes a process of depositing the contribution contributed from the first prepaid payment means 110 of the contribution source into its own balance. Specifically, the second prepaid payment means 120 of the contributor adds the contribution amount P contributed from the first prepaid payment means 110 of the contributor to its own holding balance. For example, the holding balance "0 yen" of the second prepaid payment instrument ID "SPREID_a1001" of the contribution destination shown in FIG. Add the amount of contribution P "2,000 yen" contributed from As a result, as shown in FIG. 9, the holding balance of the second prepaid payment instrument ID "SPREID_a1001" of the contribution destination becomes "2,000 yen".

(Step S207) The second prepaid payment means 120 of the contribution destination executes a process of withdrawing the amount P of the charge for which settlement is permitted from its own balance. Specifically, the second prepaid payment means 120 of the contributor subtracts the amount P of the payment permitted for settlement from its own holding balance. For example, the amount P "2,000 yen" for which settlement is permitted is subtracted from the holding balance "2,000 yen" of the second prepaid payment means ID "SPREID_a1001" of the contribution destination shown in FIG. As a result, as shown in FIG. 10, the holding balance of the second prepaid payment instrument ID "SPREID_a1001" of the contribution destination becomes "0 yen".

(Step S<b>208 ) The control unit 11 of the prepaid settlement service device 1 makes payment to the store via the financial institution 4 . Based on the store identifier (store ID) of the payee, the first prepaid payment instrument ID and the second prepaid payment instrument ID of the payment source, and the amount of payment (amount of payment P), the control unit 11 determines the amount of payment P is paid from the advance payment to the payment destination store. As a result, the payment amount P is paid to the payee store. The control unit 11 transmits to the store terminal 3 a payment approval message including the store ID of the payee, the second prepaid payment instrument ID of the payment source, and the payment amount (price amount P). The shop recognizes the completion of the payment for the amount P of the price by this price payment approval message.

In the example of the use stage of the prepaid payment instruments described above, the user used the second prepaid payment instrument 120 to settle the price when shopping at the store. is not limited to stores. For example, the second prepaid payment means 120 can be used for online settlement in electronic commerce.

[Example]
FIG. 11 is an explanatory diagram of an example of the prepaid settlement service system according to this embodiment. The embodiment shown in FIG. 11 provides a prepaid settlement service in partnership with a credit card company as an application example. In the example of FIG. 11, a company (user company) applies for a prepaid settlement service so that its employees can use the service. Hereinafter, with reference to FIG. 11, an example of a prepaid settlement service method in which the prepaid settlement service is provided in partnership with a credit card company will be described.

(Step S<b>301 ) The user company requests the prepaid settlement service device 1 to issue the first prepaid payment means 110 . As a result, the prepaid settlement service device 1 issues the first prepaid payment means 110 in step S102 of FIG.

(Step S302) The user company makes a payment to the first prepaid payment means 110 issued. As a result, the prepaid settlement service device 1 adds the payment amount to the prepaid balance of the first prepaid payment means 110 in steps S104 and S105 of FIG.

(Step S303) The user company requests the prepaid settlement service device 1 to issue the second prepaid payment means 120 to be used by each user (user company employee). As a result, the prepaid settlement service device 1 issues the second prepaid payment means 120 to be used by each user in step S107 of FIG. The second prepaid payment instrument ID of the second prepaid payment instrument 120 to be issued is selected from an identifier range pre-assigned by the credit card company.

(Step S304) The user accesses the prepaid payment service device 1 using his/her own user terminal 2, and determines the monthly usage limit and the one-time usage limit of the second prepaid payment means 120 that the user uses. and usage records. For example, a monthly usage limit and a one-time usage limit are set, and usage records are checked.
confirm.

(Step S305) The user uses the second prepaid payment means 120 for payment when shopping at a credit card affiliated store. The user presents the second prepaid payment instrument usage information such as the second prepaid payment instrument ID required to use the second prepaid payment instrument 120 at the credit card merchant.

(Step S306) The credit card member store makes a payment settlement request to the prepaid settlement service device 1 via the acquirer and the credit card company. As a result, the prepaid settlement service device 1 confirms whether the payment conditions are satisfied in step S203 of FIG. The prepaid settlement service device 1 permits the settlement of the price when the payment conditions are satisfied, and does not permit the settlement of the price when the payment conditions are not satisfied.

(Step S307) When the prepaid settlement service device 1 permits the payment of the price, the acquirer pays the credit card affiliated store for the payment.

(Step S308) When the prepaid payment service device 1 permits the payment of the price, the credit card company deposits the amount of the payment for the payment to the acquirer.

(Step S309) The credit card company notifies the prepaid payment service device 1 of the second prepaid payment instrument ID used for payment at the credit card affiliated store and requests payment.

(Step S310) In steps S205, S206 and S207 of FIG. conduct.

The above is the description of the example of the prepaid settlement service system according to the present embodiment.

According to this embodiment, the first prepaid payment means 110 and a plurality of second prepaid payment means 120 associated with the first prepaid payment means 110 are provided, and the first prepaid payment means The means 110 contributes the price to be paid by the second prepaid payment means 120 from the advance payment received by the user, and the second prepaid payment means 120 is contributed from the first prepaid payment means 110. Payment will be made using the contributed funds. As a result, the user does not have to prepay for each second prepaid payment means 120 that the user uses to settle the payment, so that the user's trouble in prepayment can be reduced.

In the above-described embodiment, the balance held after the payment of the price in the second prepaid payment means 120 is "0 yen (zero)", but the balance held after the payment of the price in the second prepaid payment means 120 may be a fixed amount of 1 yen or more.

Although the embodiments of the present invention have been described in detail above with reference to the drawings, the specific configuration is not limited to these embodiments, and design changes and the like are also included within the scope of the present invention.

A computer program for realizing the function of each device described above may be recorded in a computer-readable recording medium, and the program recorded in this recording medium may be read by a computer system and executed. Note that the “computer system” referred to here may include hardware such as an OS and peripheral devices.
In addition, "computer-readable recording medium" includes writable nonvolatile memories such as flexible discs, magneto-optical discs, ROMs and flash memories, portable media such as DVDs (Digital Versatile Discs), and computer system built-in media. A storage device such as a hard disk that

Furthermore, "computer-readable recording medium" means a volatile memory (e.g., DRAM (Dynamic Random Access Memory)), which holds the program for a certain period of time, is also included.
Further, the above program may be transmitted from a computer system storing this program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in a 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.
Further, the program may be for realizing part of the functions described above. Further, it may be a so-called difference file (difference program) that can realize the above-described functions in combination with a program already recorded in the computer system.

DESCRIPTION OF SYMBOLS 1... Prepaid payment service apparatus, 2... User terminal, 3... Store terminal, 4... Financial institution, 10... Issuing unit, 11... Control unit, 110... First prepaid payment means, 120... Second prepaid payment means , NW...Communication network

Claims (4)

a first prepaid payment instrument;
a plurality of second prepaid payment instruments associated with one of the first prepaid payment instruments;
The first prepaid payment means contributes the price to be paid by the second prepaid payment means out of the advance payment received by the user,
The second prepaid payment means pays the price using the contribution contributed from the first prepaid payment means,
A prepaid payment service device ,
a first prepaid payment instrument management data storage unit for storing first prepaid payment instrument management data in which a prepaid balance is recorded in association with an identifier of one of the first prepaid payment instruments;
Second prepaid payment instruments in which the identifiers of the plurality of second prepaid payment instruments and the balances held by the plurality of second prepaid payment instruments are recorded in association with the identifier of one of the first prepaid payment instruments a second prepaid payment instrument management data storage unit that stores management data;
a control unit for determining whether or not to permit settlement of a price in response to individual price settlement requests for each of the plurality of second prepaid payment means associated with one of the first prepaid payment means;
with
One of the first prepaid payment means associated with the second prepaid payment means for which the settlement is permitted, the first prepaid payment In the means management data, subtracting the amount of the price for which the settlement is permitted from the own prepaid balance,
Said second prepaid payment instrument for which said settlement is permitted is the amount of contribution contributed from said one said first prepaid payment instrument associated with itself in said second prepaid payment instrument management data. add the amount of the payment to be paid by the self to the balance of the holding, and subtract the amount of the payment to be paid by the self from the balance of the holding after the addition,
Prepaid payment service device. When payment settlement requests for a plurality of second prepaid payment instruments associated with the same first prepaid payment instrument occur at the same time, the control unit is configured to reduce the prepaid balance of the first prepaid payment instrument to at least all of the above. Using the total price of the second prepaid payment means or more as a condition for permitting the settlement of the amount of the price for each individual price settlement request for each of the second prepaid payment instruments,
The prepaid settlement service device according to claim 1. The holding balance after payment of the price in the second prepaid payment means is a fixed amount,
The prepaid settlement service device according to claim 1 or 2 . said fixed amount is zero;
The prepaid settlement service device according to claim 3 .

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