JPH03237588A - Charge processing system - Google Patents

Abstract

PURPOSE:To enable a user and a calculator to efficiently execute totalization and settlement of accounts by returning a balance to a card together with cash in addition to simple subtraction to be executed in the case of a prepaid card. CONSTITUTION:A charge processing part 3 inputs sales amount inputted from a keyboard 2 with a CRT in a card 1 through the 1st reading/writing part 4, and if the amount of the card 1 is lacking in payment, the shortage is replenished by cash. When the balance is less than the limit value of the card price, the balance is stored in the card 1 through the 1st reading/writing part 4. Then the processing part 3 stores sales information and cash inputting amount in an operator's storage area of an IC card 7 through the 2nd reading/writing part 5. In addition, the processing part 3 stores the amount obtained by subtracting the cash inputting amount from the sales amount in the calculator's storage area of the IC card 7 as settled information through the 3rd reading/ writing part 6. Since the balance is returned to the card together with cash in addition to the simple subtraction of a prepaid card, portability more effectively than the carrying of cash (bills) and coins can also be utilized, so that both the user and calculator can effectively utilize the system.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a fee processing system, and particularly to a fee processing system that allows a user to pay using both a card and cash.

[Conventional technology]

Conventionally, this type of fee processing system has generally used prepaid cards and credit cards.
With prepaid cards, the payment amount is deducted from the balance stored on the card and stored as a new balance, and with credit cards, the payment is sent to the payer's bank via the credit company. We use a method of deducting the amount from your account in the form of a deferred payment.

Note that prepaid cards handle small amounts and are often used as coins, while credit cards often handle large amounts.

In a fee processing system using a card, the card issuer, user, operator, and liquidator may be different, and the movement of amounts between them is called payment, settlement, or clearing.

Further, in terms of the system, payment is used for users, and there are three types of payment forms: advance payment, immediate payment, and deferred payment. Settlement or liquidation refers to the transfer of an amount between an operator and a liquidator (also called a settler), and payment methods include online using a line, bulk payment using a file such as FDD, or an IC card. Offline is often used.

[Problem to be solved by the invention]

In the conventional fee processing systems mentioned above, both prepaid cards and credit cards can be used in conjunction with cash, but prepaid cards have a low maximum amount and the balance decreases as payments are made. , there is the inconvenience of having to prepare a new card when the balance becomes low, and since credit cards can handle large payments, they are more resistant to human disasters such as loss, theft, misuse, etc. It has the disadvantage of being accompanied by psychological anxiety.

[Means to solve the problem]

In the charge processing system of the present invention, an operator processes the payment of charges made by a user using a card or a combination of a card and cash using a charge processing terminal, and uses an IC card built in the charge processing terminal to process the payment of charges. In a fee processing system that performs payments with the liquidator in one lump sum, if the user pays the fee using a combination of card and cash, the change will be transferred to the card within a predetermined limit. Only the operator of the IC card built into the charge processing terminal can read the first storage means that stores the new balance of the card, and the information about the operator including sales information, payment amount, and amount of cash obtained. A second storage means for storing information in an operator storage area, and information regarding the liquidator, including a payment amount obtained by subtracting the amount of cash obtained from the payment amount, is stored in a liquidation wearable storage area of the IC card that can be read only by the liquidator. a third storage means; furthermore, the operator storage area is a first IC card, and the payment storage area is a second IC card; A number of times is provided, and a printing means is provided for recording a new balance each time the card is used in a balance display area up to a certain number of times provided with a number on the card face.

〔Example〕

Next, the present invention will be explained with reference to the drawings.

FIG. 1 is a configuration diagram of a first embodiment of the present invention, which shows a card 1 containing a storage medium owned by a user, a CRT key board used by an operator, a gold processing unit 3, and a card. a first read/write unit for reading and writing 1; a removable IC card 7;
A second read/write unit 5 that reads and writes information regarding the operator in the operator storage area of the IC card 7 and the IC card 7
It is composed of a fee processing terminal consisting of a third read/write section 6 that reads and writes information regarding the settler in the settlement storage area of the terminal, and a settlement processing section 10 used by the settler.

Figure 2 is a flowchart of the payment process in the embodiment shown in Figure 1.As a specific example, using a card with a limit of 1,000 yen and a balance of 450 yen, you can make a purchase of 700 yen and pay the shortfall by 10 cash.
The explanation will proceed based on the assumption that the amount is compensated by 0.00 yen. Charge processing section 3 is a key station with CRT - Sales amount of board 2 is 700
Read the yen (step), check whether there is enough balance on the card 1 for payment via the first read/write section 4 (step ■), and if there is not enough, read the cash 1000 entered in the CRT-equipped board-board 2. Check whether it can be compensated by yen (step ■), and if it can be compensated, calculate the change of 750 yen (step ■). Next, check whether the user wants cash from the CRT key station - board 2 power (step ■), and if the user does not want cash for change, the change will be sent to this card 1.
It is checked whether the amount is within the predetermined limit of 1000 yen (step ■), and if it is within the limit, the balance of 750 yen is stored in the card 1 via the first reading/writing section 4 (step ■). Next, the fee processing unit 3 stores the sales information 70 in the operator storage area of the IC card 7 via the second read/write unit 5.
Memorize 0 yen and cash acquisition method 1000 yen (step ■)
Next, 1,300 yen, which is obtained by subtracting 1,000 yen in cash from the sales amount of 700 yen, is stored as payment information in the payment storage area of the IC card 7 via the third read/write section 6 (step (2)). In this case, the liquidator will charge the operator 300 yen. Note that if the balance of card 1 is sufficient for the payment in step ■, the process immediately moves to step ■. In addition, if there is no cash deposited in Step 2, or if the amount is still insufficient for payment, the amount will be displayed on the CRT-equipped board and the amount will be displayed, and the process will end without processing the payment (Step [Phase]).
). Furthermore, if the user wishes to receive cash as change in step ■, rounding is performed so that no change is included in the change (step ■), and for example, if the change is increased by 100 yen, 700 yen will be returned. Next step @), move on to step ■ so that the 50 yen is stored on the card as the remaining amount. It is also possible to return the change in full by moving from step ■ to step @.

Furthermore, if the change exceeds the limit amount in step ■, move to step ■.

FIG. 3 is a flowchart of aggregation processing for the operator in the embodiment shown in FIG.
The operator's storage area of the C card 7 is read out, the amount of cash obtained is totaled, and the amount of cash obtained is compared with the total amount of cash inputted by the operator of the CRT key station board 2 (step O). next,
Check the sales information read from the operator's storage area and the amount paid by the user (Step @), if correct, finish (Step ■); if not, redo the total and check the correctness of the data (Step ■
), return to step O.

FIG. 4 is a flowchart of the clearer's payment processing, in which the IC card 7 taken out from the charge processing terminal is read out by the clearer's settlement processing unit 10 (step O). Here, only the payment information stored in the payment wearing storage area of the IC card 7 is read out using the access key dedicated to the payment person.

FIG. 5 is a configuration diagram of a second embodiment of the present invention. In this configuration, in place of the IC card 7 in the first embodiment of FIG. It is divided into a second IC card 9 having only a payment storage area. The rest of the structure is the same as that of the embodiment shown in FIG.

6, 7, and 8 are a flowchart of the payment processing in the embodiment of FIG. 5, a flowchart of the aggregation processing for the operator, and a flowchart of the settlement processing of the liquidator, respectively.
In these processing flows, the storage area for the operator in FIGS. 2, 3, and 4 in the first embodiment of FIG. 1 is used as the first IC card 8, and the storage area worn for payment is used as the second IC card 9. The only difference is that they are treated separately.

FIG. 9 is a configuration diagram of a third embodiment of the present invention. In this configuration, a card 11 has a balance number set on the front side of the card 1 in the first embodiment of FIG. It has a balance display area where minutes can be printed, and a printing section 12 for printing on the card 11 is connected to the charge processing section 3. The other precepts are the same as in Figure 1.

FIG. 10 is a flowchart of payment processing in the embodiment of FIG. 9, and as a specific example, same as the flow of FIG. 2,
An explanation will be given of a case where a card with a limit of 1,000 yen and a balance of 450 yen is used to make a purchase of 700 yen, and the shortfall is made up with 1,000 yen in cash. The fee processing section 3 reads the sales amount of 700 yen from the CRT keyboard 2 (step 2), and checks the number of times the card 11 has been used (step O). If the card is below the usage limit, follow the same steps as Step ■ and ~Step ■ in Figure 2 below◎
, ~ Step ○ is executed, and if the change is within the card limit, the balance of 750 yen is stored in the card 11 via the first read/write unit 4, and the balance display area of the card 11 is stored via the printing unit 12. The balance of 750 yen is printed in the next column where is printed (Step @). Next step in Figure 2 ■
, the same processing step 0 as step ■. Perform step ■. In addition, if the number of uses exceeds the limit in step O, or if there is a shortage of cash in step O, the CRT key board 2 card will be disabled or the insufficient amount will be displayed. Terminate without performing payment processing (step O1 or @).Furthermore, if the user wishes to pay in cash at step @, or if the change exceeds the card limit at step O, then proceed to step O1 or @. The same steps [phase] and (2) as in steps (2) and @ are performed, and the process moves to step O.

The aggregation process and payment process in FIG. 9 are the same as the flows in FIGS. 3 and 4 in the case of FIG. 1, respectively.

Furthermore, in FIG. 9, the same IC as shown in FIG.
It is also possible to easily divide the card 7 into two, the first IC card 8 and the second IC card 9.

〔Effect of the invention〕

As explained above, the present invention not only allows the amount to be reduced like a prepaid card, but also allows the card to be used in conjunction with cash to return the balance to the card, making it more portable than cash and paper currency, and allowing for the handling of small change. This has the effect of enabling efficient aggregation and settlement by both the clearer and the clearer.

Further, by specifying the maximum balance limit of the card, abuse such as forgery can be reduced, and further abuse can be further prevented by displaying the balance and limiting the number of times of use. Furthermore, abuse by the operator can be prevented by providing access protection for the IC card, which is particularly effective when the fee processing terminal is installed offline and the payment is made in bulk at any time.

[Brief explanation of drawings]

FIG. 1 is a configuration diagram of the first embodiment of the present invention, FIG.
4 and 4 are flowcharts of payment processing, aggregation processing for the operator, and settlement processing for the liquidator, respectively, in the embodiment of FIG. 1, and FIG. 5 is a configuration diagram of the second embodiment of the present invention. , FIG. 6, FIG. 7, and FIG. 8 are flowcharts of the payment process, the aggregation process for the operator, and the clearing process of the clearer, respectively, in the embodiment of FIG. 5, and FIG. FIG. 10 is a block diagram of the third embodiment, and FIG. 10 is a flowchart of payment processing in the embodiment of FIG. 1.11...Card, 2...CRT keypad
Board: Charge processing section, 4: First reading/writing section, 5:
...Second reading/writing section, 6...Third reading/writing section, 7...
・IC card, 8...11th C card, 9...1st
rc card, 10... Settlement processing section, 12... Printing section.

Claims (1)

[Scope of Claims] 1. The operator processes the payment of fees made by the user using a card or a combination of card and cash using a fee processing terminal, and an IC built in the fee processing terminal.
In a fee processing system that uses a card to make payments with a liquidator in one lump sum, if a user pays a fee using a combination of card and cash, the amount of change exceeds the predetermined limit on the card. Only the operator of the IC card built into the charge processing terminal can store information regarding the operator, including sales information, payment amount, and cash amount received, as the new balance of this card to the extent that the card does not have a new balance. a second storage means for storing information in a readable storage area for the operator; and a storage area for the liquidator from which only the liquidator of the IC card can read information about the liquidator, including the payment amount obtained by subtracting the amount of cash obtained from the payment amount. and a third storage means for storing data in the charge processing system. 2. The operator storage area is a first IC card;
2. The fee processing system according to claim 1, wherein the liquidator storage area is a second IC card. 3. The card is provided with a predetermined number of times that can be used repeatedly, and has a printing means for recording a new balance each time the card is used in a balance display area provided on the card surface up to the predetermined number of times. The fee processing system according to claim 1 or 2.