JPH0340086A - Count-up system for payment price by prepaid card - Google Patents

Abstract

PURPOSE:To miniaturize the device by providing a card classification deciding part, a count-up amount processing start and a count-up magnetic card processing part on a payment processor, and entering a count-up amount into a count-up magnetic card. CONSTITUTION:A payment processor for processing the payment executed by a prepaid card and writing a result of counting up the payment price in a count-up magnetic card is provided with a count-up amount processing part 3 and a count-up magnetic card processing part 4. The count-up amount processing part 3 counts up and stores the amount of payment executed by the prepaid card, and the count-up magnetic card processing part 4 writes count-up data stored by the count-up amount processing part 3 in the count-up magnetic card. In such a way, a communication circuit becomes unnecessary, the cost required for count-up is reduced, and the device can be miniaturized.

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial Field of Application] The present invention relates to a method for aggregating the usage charges of a prepaid card, and more particularly to a method for aggregating the usage fees of a card, in which a card payment processing device is provided with an aggregation function.

[Background Art] In recent years, so-called prepaid cards that pay in advance have been used in various fields. These prepaid cards can be divided into in-house issued types and third-party issued types depending on the payment system.

Self-issued prepaid cards are issued by retail stores to customers for use only at their stores. Therefore, fees paid with a prepaid card are paid to the store at the time of sale of the prepaid card, that is, paid in advance.

A third-party issued prepaid card is issued by a third-party card company for use at one or more stores. As shown in FIG. 3, the consumer 11
The user purchases a prepaid card issued by 2 and makes payment using the prepaid card at a retail store 13. The retail store 13 charges the card company 12 for the amount paid by the prepaid card and receives the payment.

In the case of the above-mentioned third-party issued prepaid cards, if an excessive payment request is made by mistake or intentionally due to a covered disease, the card company will incur considerable damage. Therefore, it is necessary to convey accurate payment amount aggregate information.

Conventionally, the aggregation method adapted to the above conditions has been to incorporate an IC card into a card processing device, accumulate usage information of prepaid cards, and periodically (for example, every month) send the IC card to the card company. A method of requesting payment, or a method of transmitting prepaid card usage information and payment request directly from a card processing device at regular intervals using a communication line has been adopted.

[Problems to be Solved by the Invention] However, in the conventional aggregation method described above, when using an IC card, it is necessary to install an IC card reader/writer in the card processing device, and even when using a communication line, an auxiliary device such as a modem is required. In any case, since the equipment is required, the cost is high and the device becomes large.

[Means for Solving the Problems] The present invention solves the above-mentioned conventional problems, in a payment aggregation method for charging the card company with the payment amount paid using a prepaid card issued by a card company. A payment processing device that processes card payments and writes the total result of the payment amount to a total magnetic card, including a total amount processing unit and a total magnetic card processing unit,
The aggregated amount processing device aggregates and stores the amount paid by the prepaid card, and the aggregated magnetic card processing unit writes the aggregated data stored by the aggregated amount processor into the aggregated magnetic card. do.

Preferably, reading and writing data on the tally magnetic card and reading and writing data on the prepaid card are performed by the same reader/writer, and the card attached to the reader/writer in the payment processing device is the tally magnetic card or The present invention is characterized by comprising a card type determining section that determines whether the card is a prepaid card.

[Examples] Examples of the present invention will be described below with reference to the drawings.

A system for aggregating payment amounts using a prepaid card according to an embodiment of the present invention includes a payment processing device that processes payment using a prepaid card, and a totalizing magnetic card that writes the total amount of payment amounts. Data is written on the tally magnetic card to distinguish it from a prepaid card.

FIG. 1 is a functional block diagram of a payment processing device used in this embodiment.

The payment processing device of this embodiment includes a reader/writer 1 as an input/output means, a card type determination section 2 as a magnetic card processing means, a totaling magnetic card processing section 4, a prepaid card processing section 5, an abnormal card processing section 6, and a payment amount. It has a total amount processing unit 3 as a storage means.

The reader/writer 1 reads data from the attached magnetic card, sends it to the card type determining section 2, and writes data sent from each card processing section onto the magnetic card. The card type determining unit 2 determines the type of magnetic card based on the data received from the reader/writer 1, and sends the data to each card processing unit.

The total amount processing section 3 stores the payment amount data sent from the prepaid card processing g&5 when the magnetic card is a prepaid card according to the judgment of the card type judgment section 2,
When the magnetic card is a tally magnetic card, the tally data of the payment amount is sent to the tally magnetic card processing section 4.

The aggregation magnetic card processing unit 4 includes a card type determination unit 2
The total amount data from the total amount processing section 3 is sent to the reader/writer 1 in accordance with the data sent from the total amount processing section 3. The prepaid card processing section 5 subtracts the payment amount from the magnetic card data sent from the card type determination section 2 and sends it to the reader/writer, and also sends the payment amount data to the total amount processing section 3.

If the magnetic card attached to the reader/writer 1 is an accidental card due to theft or the like or cannot be used with this payment processing device, the abnormal card processing section 6 outputs a message that the magnetic card cannot be used.

In this embodiment, the card type determining section 2 is provided to determine the type of the magnetic card attached to the reader/writer 1, but the card type may be inputted using a keyboard or the like to determine the type.

Next, the magnetic card processing procedure according to this embodiment will be explained according to the flowchart of FIG.

When the magnetic card is attached to the reader/writer 1, the reader/writer 1 reads the data on the magnetic card and determines the type of the magnetic card (step 10). Further, it is determined whether or not the magnetic card can be used in the payment processing device of this embodiment, and if the magnetic card cannot be used, a message to that effect is output (step S9), and the magnetic card is ejected (step 5IO).

If the magnetic card is a prepaid card, the data is sent to the prepaid card processing section 5. When the payment amount is input (step S4), the prepaid card processing unit 5 determines whether the payment amount can be reduced from the remaining amount data of the prepaid card (step S5).
If the amount cannot be reduced, a message indicating that the remaining amount is insufficient is output (step S6), and the card is ejected (step 10).

If the amount can be reduced, the amount to be paid is subtracted from the remaining amount data of the prepaid card and written to the prepaid card (step S7). The payment amount data is then sent to the total amount processing unit 3 and added to the total amount of payments made up to that point (step S8). After this, the prepaid card will be ejected (
Step 10).

The magnetic card attached to reader/writer 1 is used for tabulation 's1
If the card is a magnetic card, the data is sent to the tally magnetic card processing section 4. Then, the total data stored in the total amount processing unit 3 is sent to the leader reader l, and written on the total magnetic card (step S2). The total amount processing unit 3 sends the total data to the total magnetic card processing unit 4, and then sets the total amount to O (step S3). After this, the tally magnetic card is ejected (step S10).

This completes the magnetic card processing. Each retail store equipped with this payment processing device periodically (for example, once a week) sends a totaling magnetic card on which the total amount is written according to the above procedure to the credit card company and charges the card.

In order to improve the security of the data recorded on the magnetic tally card, the magnetic tally card may be punched with a code or a code may be printed on the magnetic tally card.

[Effects of the Invention] As explained above, the present invention includes a payment processing device including a card type determination unit, a total amount processing unit, and a total magnetic card processing unit, and writes a total zero amount on the total magnetic card. Therefore, the totalization can be performed without the need for any auxiliary equipment such as an IC card reader/writer or a modem for communication, so that the miniaturization of the device is not impaired.

Further, an effect that costs such as communication costs are unnecessary can also be obtained.

[Brief explanation of drawings]

FIG. 1 is a functional block diagram of a payment processing device used in an embodiment of the payment aggregation method using a prepaid card of the present invention; FIG. 2 is a flowchart showing a magnetic card processing procedure by the payment processing device of FIG. 1; FIG. 3 is a conceptual diagram showing the relationship between payment of charges using a third-party issued prepaid card, etc. 1: Reader/writer 2: Card type determination unit 3: Total amount processing unit 4: Total magnetic card processing unit 5: Prepaid card processing unit 6: Abnormal card processing unit

Claims (2)

[Claims] (1) In a method of aggregating the amount paid by a prepaid card, a payment processing device that processes the payment by the prepaid card and writes the aggregation result of the payment amount to a magnetic card for aggregation;
The total amount processing unit includes a total amount processing unit and a total amount magnetic card processing unit, wherein the total amount processing device totals and stores the payment amount by the prepaid card, and the total amount processing unit stores the total amount payment amount. A method for aggregating payment amounts using a prepaid card, characterized in that the aggregation data is written on the aggregation magnetic card. (2) Read and write data on the tally magnetic card and read and write data on the prepaid card using the same reader/writer, and verify that the card attached to the reader/writer in the payment processing device is the tally magnetic card or the prepaid card. 2. The method for aggregating payments by prepaid card according to claim 1, further comprising a card type determining section for determining whether the card is a card.