JPH02308390A - General prepaid card system - Google Patents

Abstract

PURPOSE:To use a prepaid card in any place by carrying the card by registering, recording an individual card number at every card and registering an amount, which can be used for each card, to the host computer of a head office. CONSTITUTION:After a changeover switch 8 is turned on and a power source is connected, when the prepaid card where the card number, company number, branch office number, amount and personal identification number, etc., are registered and recorded, is inserted from a card inserting port 1, it is confirmed that the personal identification number integrated into the prepaid card is coincident with the personal identification number set in a terminal equipment 9. Then, the reminder recorded to the prepaid card is displayed on a first display 5a. A sales amount inputted by ten keys 2 is displayed on a second display 5b. By pressing a key 3 for settlement of account, the sales amount displayed on the second display 5b is subtracted from the reminder of the prepaid card displayed on the first display and the reminder of the prepaid card is reloaded. Then, the remainder after the subtraction is displayed on a third display 5c. Thus, the sales charge of the card can be managed in each shop.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a general-purpose prepaid card system that provides versatility to a prepaid card.

[Conventional technology]

Conventionally, so-called general-purpose cards that allow the same prepaid card to be used by multiple companies have had a system in which the card issuer has a system for calculating card sales charges on a daily basis.

In addition, the conventional system was a 7 security system based on a recording method such as a magnetic code.

[Problem that the invention seeks to solve]

For companies that handle general-purpose cards, card sales proceeds were previously siphoned off by card issuers, which prevented them from actively selling cards, slowing down the spread of prepaid cards.

Additionally, there were problems with measures to prevent counterfeiting of cards.

[Means to solve the problem]

The present invention solves the above problems and allows each store to collect card sales proceeds.

The card number, company number, branch number, amount, PIN number, etc. are registered and recorded on the card, and the number and amount of prepaid cards processed at each company (each store) on that day are recorded by company number and branch number. At the terminals that collect the data, the numbers are sent via communication lines to the host computer at the head office or head office, allowing the company to determine where the cards sold and at which stores were used, making it possible to transfer funds between companies.

Next, for security, the balance of the card is registered in the host computer for each card's unique card number, and each time the card is used, the balance is verified using a dedicated communication line, etc., and only when the balances match, the next Proceed with the operation, and once the processing is completed, the remaining card will be registered in the host computer again to eliminate counterfeiting.

In addition, regarding safety in cases where a card does not have a dedicated communication line, if the card's unique number is known, a premature failure code can be registered in the terminal, which prevents unauthorized use of the card such as forgery or theft.

[Effect]

The terminal of the general-purpose prepaid card system of the present invention is provided with three stages of displays 5a, 5b, and 5c.
The first display 5a displays the monetary balance t- recorded on the prepaid card inserted into the card insertion slot 1, and the second display 5b displays the sales amount input by pressing the numeric keypad 2. The third display 5c shows the monetary balance recorded on the prepaid card displayed on the first display 5a by pressing the settlement key υ.
It displays the difference in sales amount displayed on the second display 5b.

Further, by pressing the settlement key 6, the third display 5cK displays the difference between the first display 5a and the second display 5b, and at the same time, the prepaid card balance is displayed on the third display 5C by the card reader/writer inside the terminal. The amount is rewritten to be the same as the amount displayed on the card and is ejected from the card insertion slot 1. However, if the amount on the third display 5c is displayed as a negative value, the card reader/writer inside the terminal replaces the prepaid card balance with O and discharges it from the car insertion slot 1.

After that, when you insert a new Noribait card into the card insertion slot 1, the balance of the new card will be displayed on the first display 5.
The negative amount that was displayed on the third display 5c is automatically displayed on the second display 5b as the same amount with a negative sign. Thereafter, by pressing the settlement key 6, the same process as described above is performed.

During this time, the third display 5 is displayed by pressing the payment key 6.
At the same time as the remaining amount of C is displayed and the card balance is rewritten by the card reader/writer, the first
The amounts displayed on the display 5a, the second display 5b, and the third display 5c are printed.

〔Example〕

The general-purpose prepaid card system of the present invention will be explained below based on the drawings.

A prepaid card has a card number, company number, branch number, amount of money, PIN number, etc. registered and recorded. FIG. 1 shows an embodiment of the terminal of the general-purpose prepaid card system of the present invention. After turning on the changeover switch 8t and making all the power connections, inserting the prepaid guard from the card insertion slot 1.
Make sure that the PIN code built into the prepaid card matches the PIN code set in the terminal 9 (read the company number and branch number), and then read the code recorded on the prepaid card on the first display 5a. The remaining amount, that is, the remaining amount, will be displayed. The numeric keypad 2 is used to input the sales amount, and the input sales amount is displayed on the second display 5b. Payment -? -6 is for deducting the sales amount from the prepaid card balance and sending a credit command to the card reader/writer inside the terminal 9. By pressing the payment key 3, the prepaid card shown on the first display 5a is deducted from the prepaid card balance. The sales amount displayed on the second display 5b is subtracted from the card balance, the prepaid card balance is rewritten, and the balance after the deduction is displayed on the third display 5c.

Immediately after this work, the prepaid card that has been folded is ejected from the card insertion slot 1, and at the same time, it is printed and confirmed by the Kinsho journal printer 4 displayed on the first to third displays 5a to 5cK. It will also be given to the consumer as a receipt. This completes the -th operation, and the selector switch 8 is used to connect/disconnect the power supply.

If the sales amount displayed on the second display 5b is greater than the prepaid card balance displayed on the first display 5a, the deduction will result in a negative amount, but in this case, pressing the settlement key 3 will cause the terminal 819 to The card reader/writer always rewrites the prepaid card balance with "0" when the subtraction of the amount displayed on the second display 5b from the amount displayed on the first display 5a is 0 or less. Also, at that time, the third display 5c
The correct calculated amount with a minus value of O or less is displayed, and the prepaid card with a balance of "0" is ejected from the card insertion slot 1 and displayed on the first to third displays 5a to 5c by the journal printer 4. The amount will be printed.

In this case, the store cashier's response is to end the operation of the terminal 9 and turn off the changeover switch 8 if the minus amount displayed on the third display 5c is to be collected in cash.

Also, if you want to settle the negative amount displayed on the third display 5c with another prepaid card, do not turn off the switch 8. Insert a new prepaid card from card insertion slot 1.

Then, the display on the first display 5a, which had been displaying the balance of the previous prepaid card, changes to the balance of the new prepaid card, and at the same time, the display on the second display 5b changes.
The sales amount displayed on! is3 display 5
By pressing the settlement key 6 again, the amount displayed on the second display 5b is changed from the new prepaid card balance displayed on the first display 5a. The balance of the prepaid card is rewritten by the card reader/writer inside the terminal a9, and the balance after the deduction is displayed on the third display 5c. Thereafter, the card is ejected and the journal printer prints in the same manner. If Hv becomes negative after the second operation, repeat the same operation.

Normally, when a day's transactions are completed in this state, by setting the review key 7 to "Review" and pressing the settlement key 3, the total amount processed for that day is displayed as the number of transactions for each card store (company number, branch number). The amounts are totaled and printed by the journal printer 4.

The tally results from the terminals at each store are sent to the tally computer at the head office or head office via a connected telephone line or the like by pressing the check key 7 to send and pressing the settlement key 3 again.

Next, regarding the second factor, the financial settlement system according to the present invention will be explained.

Assume that the total data sent from the terminals of stores A, B, and C in the figure to the total computer at the headquarters is as shown in Figure 2-(1).

At store A, 5 cards issued by store A cost 10゜000.
Suppose that two cards issued by store B cost 3,000 yen and one card issued by store C cost 2,000 yen. Similarly, at the next B store, one A card costs 2,000 yen,
6 B cards cost 13,000 yen, 2 C cards cost 4,000 yen, and at C store, 2 A cards cost 3,000 yen, and 1 B card cost 1,000 yen. Assume that there are 5 cards of 000 yen and C of 1o and ooo yen.

As a result, Figure 2-(2) explains the flow of funds. If we focus on the terminal at store A, there is no need to think about the amount of 10,000 yen for five uses of the store's card. B
Because I was able to spend 3,000 yen on two store cards,
Store A must receive a payment of 3,000 yen from store B, so the arrow pointing from B to A should be 3,000 yen.
It will be 00 yen. Also, since the card at store C was used for 2,000 yen per transaction, the arrow pointing from C to A would cost 2,000 yen, and similarly, at the terminal at store B, the arrow pointing from A to B would cost 2,000 yen. is 2,000 yen, from C to B
The arrow pointing to becomes 4,000 yen. Also, on the terminal at store C, the arrow pointing from 8 to C is 3,000 yen, and from B to C.
The arrow pointing to is 1,000 yen, so there are 2 factors - (
2) Become a friend.

Figure 2-(3) considers only the difference in the flow of funds between t-A, B, and C. In Figure 2-(2), between A and B, B receives 2,000 yen more than the person, and A receives 3,000 yen from B, so the difference of 1,000 yen goes to B and A. Considering the same between A and C, it is 1,000 yen more for C than for A. Between B and C, it will cost B 3,000 yen more than C.

As a result, the final processing result is as shown in Figure 2-(4). Considering A in Figure 2-(3), B receives DI, 000 yen and pays 1,000 yen to C, so it is plus or minus O, so B pays 1,000 yen to A. C) I will receive 3,000 yen, so 2,
Receiving funds of 000 yen, C receives 1°000 yen from A and pays 3,000 yen to B, resulting in a deduction of 2,000 yen.

A totalizing combiator at the headquarters or head office easily totals these tasks. Based on this processing result, funds can be transferred to the deposit account of each store.

Next, referring to FIG. 3, the security system according to the present invention will be explained. In the prepaid card of the present invention, an individual card number is registered and recorded on each card. Before the card is sold, the amount of money that can be used for each card number is registered in the head office host computer.

As mentioned earlier, when using a card, when you insert the card into the terminal, the card balance will be displayed on the display. The displayed amount will be sent via a dedicated line. The head office host computer searches for the amount registered with the card number, and if it matches the sent amount, it returns a YES signal to the terminal and proceeds to the next procedure.

If the amounts do not match, a "NO" signal is returned, and the terminal that receives the "NO" signal ejects the card together with the alarm buzzer 6. [If the YESJ signal is received and the processing progresses, when the balance on the card is rewritten by the card reader/writer, the new amount seen will be automatically exchanged with the card number from the dedicated line again. Sent.

The host computer at the headquarters that received the card re-registers the registered balance of the card number with the newly sent amount.

The above is a security system against card forgery, but in addition to the card balance, accident codes can also be registered in the host computer at the headquarters. If you lose your prepaid card due to theft, etc., if you write down the card number in your notebook and remember it, you can register an accident code to the card number and make it unusable. With these methods, normal security is completely maintained.

A security system for stores that do not have dedicated lines is also being considered. When the inspection key 7 in FIG. 1 is set to accident code registration, the card number of the accident card can be registered according to the instructions on the display.

In this case, if a card with a registered card number is inserted into the terminal, a message "Accident code registered" will be displayed on the display and the card will be ejected with a warning buzzer.

FIG. 4 shows an example of a series of operational block diagrams of the general-purpose prepaid card system according to the present invention.

When the changeover switch 8 is turned on and the prepaid card is inserted 21 into the card insertion slot 1, a card reader/writer etc. pulls in the card at a constant speed, and the PIN number, amount, other card number, company number, branch number, etc. recorded on the prepaid card are read. is read by the card reading operation 22.

If the υ password does not match the password set in the terminal 9 by the card reading operation 22, a warning buzzer 6 is sounded and the prepaid card is ejected 60 at the same time. The same result will also occur if a card with an accident code registered is used. Next, a signal corresponding to the money recorded on the prepaid card is read, and the remaining amount is displayed 26 on the first display 5a. At this time, the dedicated line A1tCj,! l) Send the card number and balance to the host computer, and if the balances match, send back the rYEsJ signal, and if they don't match, send the lN0J signal back. If a “NO” signal is returned, the card is ejected 60 with an alarm buzzer 6.
be done. The same result applies if the card balance is 0.

When the rYEsJ signal is returned, the second display 5b displays the price 25 by pressing the numeric keypad 2 and performing the numeric keypad manual operation 24. Operation 26 is performed by pressing the settlement key 6, and the third
The difference amount is displayed 27 on the display 5c. Write the difference amount 27 to the card using the card reader/writer 2
8 and the amount is sent to the host computer and registered in the journal 2 by the A2゜journal printer 4.
9 is printed, the card is ejected 60, and the changeover switch 8 displays ml, 2.43rd display 5a, 5b, 5c
The display is erased 61.

When the difference display 27 becomes a negative display, the card writing 28 is always performed at rOJ and the card is ejected 30.

If you want to pay the negative amount with a new prepaid card, insert the new card from card slot 1 into card slot 21.
The card is read 22 and the remaining amount is displayed 26, but at the same time, the amount with a negative sign on the difference display 27 is automatically displayed 25 without the need for manual input from the numeric keypad 24.

Similar processing is performed by pressing the settlement key 6. If the difference display 27 shows a negative value again, the same operation is repeated.

Finally, FIG. 5 is a completed diagram of the general-purpose prepaid card system according to the present invention. The headquarters has an aggregator that collects the daily aggregated figures of each affiliated store for all stores and settles the funds as shown in Figure 2. Affiliated stores sell cards to consumers and keep the proceeds. Consumers can receive the service at any affiliated store, creating a highly convenient general-purpose prepaid card system.

〔Effect of the invention〕

According to the present invention, it is possible to issue a general-purpose prepaid card at any retail store, and through a partnership, etc., it is possible to issue a card that can be used anywhere, and moreover, it is possible to issue a card that can be used anywhere, while each retail store retains the card price. .

For customers, the hassle of paying in and out of coins due to consumption tax, etc. will be eliminated, and they will be able to make purchases with a single card.

In addition, retail stores can promote the retention of customers, and by forming alliances with stores in local shopping districts, it becomes possible to create a very convenient general-purpose prepaid card system that can be used at all shops in the shopping district. On the other hand, in terms of safety, the system is highly reliable for both retailers and consumers, and has the outstanding effect of leading to the spread of general-purpose prepaid card systems.

[Brief explanation of the drawing]

FIG. 1 is an embodiment of a terminal according to the present invention, FIG. 2 is an explanatory diagram of a fund payment system according to the present invention, FIG. 3 is an explanatory diagram of a security system according to the present invention, and FIG. 4 is an explanatory diagram of a security system according to the present invention. Operation block diagram of the prepaid card, No. 5
The figure is a completed diagram of a general-purpose prepaid card system according to the present invention. 1...Card insertion slot 2...Numeric keypad 6...
Settlement key 4... Journal printer 5a,
sb, 5c...Display 6...Buzzer 7.
...Scrutiny key 8...Switch Figure 1 Figure 2 Figure 3

Claims (4)

[Claims] (1) A card insertion slot for inserting a prepaid card that can record and erase signals corresponding to money, etc. and has a card number, card store number (company number, branch number), etc.; A numeric keypad for entering the amount,
A settlement key that is pressed to settle the entered sales amount;
By pressing the settlement key, a journal is created that prints out the remaining amount recorded on the prepaid card, the amount entered using the numeric keypad, and the amount entered after subtracting the entered amount from the card balance, and the entered amount, etc. On a terminal device that has a display, the total amount processed on that day is tallied together with the number of processed transactions for each card store (company number, branch number) using the review key, and the tally results are sent to the host computer at the head office or head office via a communication line. A general-purpose prepaid card system characterized by having a sending function. (2) In the prepaid card system described in paragraph 1, the host computer aggregates the aggregated numbers sent from each terminal by company number and branch number, and determines where the card was sold and which store it was used at. A general-purpose prepaid card system that enables inter-company fund settlement. (3) In the prepaid card system described in paragraph 1, the balance of the card is registered in the host computer for each card-specific card number, and each time the card is used, the balance is checked using a dedicated communication line etc. This general-purpose prepaid card system is characterized by extremely high security by proceeding to the next operation only when a match is made, and registering the card balance in the host computer again when the processing is completed. (4) In the prepaid card system described in paragraph 1, in order to ensure safety when the terminal is not connected to the dedicated communication line, if the card's unique number is known, the terminal should be protected from unauthorized use due to theft etc. A general-purpose prepaid card system that allows accident codes to be registered on the machine and prevents unauthorized use.