JPH0398366A - Composite service terminal equipment and charge accounting method used therefor - Google Patents

Abstract

PURPOSE:To offer the desired service to the users by devising the method such that the terminal equipment is connected to one service network selected by the operator among plural offered service programs. CONSTITUTION:The equipment is provided with a display section 4 applying information display and guidance display, an operation section 9, an ID card reader 3, a pre-paid card reader 5, a cash dispensers 7, 8, and a document printer 6 in addition to a talking service use telephone set 2. Then the terminal equipment is connected to a service network selected by the operator among plural offered service programs and the on-line service is received in addition to the talking service based on the information from the service network. Thus, the user selects a desired service type, the user's equipment is connected to the service network offering the requested service and the service is given based on the information of the network.

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to a composite service terminal, that is, a composite service terminal that is connected to a communication line and enables various services, especially information sales and cash services, and this terminal. The present invention relates to a fee payment method suitable for use in

[Prior art] Conventionally, this type of terminal has a simple public telephone line a1ηF=' A
Each service, such as the X service, copy service, and information guidance service, was an independent service.

In addition, each fee was paid in cash and by prepaid card.

On the other hand, apart from these services, bank cash services are provided by cash transaction devices (ATMs, CDs, etc.) installed at bank branches or special locations, and they do not require telephone calls or requests as described in Thi4. It was a completely different system from mountain services, etc.

This bank's cash service uses an ID card for personal authentication, and is different from the above-mentioned general information service.

Regarding this, for example, see the Institute of Electronics, Information and Communication Engineers, ``
"Electronic Information and Communication Handbook", Volume 29 (published by Ohmsha,
(1988) is a useful reference.

[Problem to be solved by the invention]

In the above-mentioned conventional technology, each service is executed separately, and no consideration is given to the method of connecting these services to multiple service networks to provide composite services. There are a variety of methods, such as those that are determined on an hourly basis, such as information guidance, and those that collect fees per item, such as information guidance, and these are all categorized into the same one.
1, +j could not be handled. Also, I l)
There was also no way to authenticate the individual with a card and withdraw money from the bank account.

The present invention has been made in view of the above concerns, and its purpose is to solve the above-mentioned problems in the conventional technology, and to provide various advantageous services as described above.
The purpose is to provide a composite service terminal that connects to multiple service networks and performs services with different charges in a composite manner. Another purpose is to provide a composite service that allows the collection of fees for the various services mentioned above not only by cash but also by card, and to provide a fee payment method suitable for this purpose. It's about doing.

[Means for Solving the Problems] The above object of the present invention is to provide a telephone for telephone calls, a display section for displaying information and guidance, an operation ffli,
ID card reader, Bripaid card reader. 'vl
It is equipped with a business operator and a credit card printer, connects to one service network selected by the operator from among multiple services provided, and provides online services in addition to phone calls based on information from the service network. A multi-service terminal characterized by being configured to accept cash, and a multi-service terminal having a cash deposit/withdrawal machine connected to a call service network and a fee payment service network using a cash card or an ID card. This is achieved by a charge payment method for a multi-service terminal, characterized in that charges for services are paid using a credit card, a digital card, and the cash depositing/dispensing machine.

[Operation] In the composite service terminal according to the present invention, after allowing the user to select the type of service he or she wishes to receive, the terminal first connects to the service network that provides that service, and then uses the When providing services and making payment using an RD card, the user is connected to a network that can authenticate individuals using the information on the ID card, so the user can゜｝] + and the drying department, you can receive various services, and
The payment method for each H can be selected.

In addition, in the charge payment method for a multi-service terminal according to the present invention, the method of charge payment is diversified by using the round rice configured as described above.

〔Example〕

Hereinafter, embodiments of the present invention will be described based on the drawings. I will explain in detail.

FIG. 3 is an external view of a composite service terminal showing an embodiment of the present invention. In the figure, reference numeral 1 indicates the present composite service terminal, and reference numeral 2 indicates a telephone or videophone, and when the handset is removed, the same call service as before can be received. 3 is an ID card reader, which captures a card such as a credit card or a cash card that secures payment funds.

Reference numeral 4 denotes a display device that displays operation guidance as well as image information. 5 is a prepaid card reader into which a card such as a telephone card is inserted. Reference numeral 6 denotes a document section for inserting a FAX transmission sheet, outputting a receiving sheet D1, or ejecting a printed information sheet.

Reference numeral 7 denotes a banknote withdrawal section of the cash depositing and dispensing machine for depositing and withdrawing banknotes. Reference numeral 8 is a coin withdrawal section of the cash deposit/dispensing machine for withdrawing coins. Reference numeral 9 denotes an operation unit for performing input operations necessary to receive the service using buttons or a touch panel set on the display. Each of the above-mentioned components is connected to a control section 10 including a microprocessor, as shown in FIG. In FIG. 1, the video disk and CD ROM contain images fi'. It records I-reports, audio information, etc. Further, the line control section 11 provides an interface for connecting to a telephone network, a packet network, an ISDN, etc. which are open to the general public.

Figure 2 shows the services connected via the above line network.
This is an example of a net. The above-mentioned composite service terminal can receive various services from the destinations shown in FIG. 2 as connection destinations.

(1) Connect to the general in-home telephone network and make calls and FA calls to your home or work from your location.
Information is exchanged using X.

(2) Connect to service networks such as information service Net 1 and Captain to provide event information, reservations for transportation, theaters, sports, hotels, inns, etc.
Issue reserved seat tickets or receive road information and other various information services.

(3) Bank Service Net 1 - Connect to the bank's service net and use your cash card to receive bank transaction services such as cash withdrawals from cash deposit and withdrawal machines, account balance inquiries, transfers, and transfers.

(4) Credit service net Connect to the credit company's service net and receive cash advance services (cash loans) using credit cards, catalog sales acceptance services, etc.

18 (5) Financial Service Net Connects to the service network of financial institutions, provides display services for financial information (each financial rate, stock price + 111 report, etc.), negotiates investments, and sells stocks and bonds. .

The above-mentioned services are shown as examples, and various other services are possible.

Each of these services is selected using the guidance screen shown in FIG. 4(a), for example.

FIG. 4(b) shows a configuration for executing two series of services. When the user selects each service according to the guidance display, each service is executed. Here, telephone service is available by picking up the handset and dialing in the conventional manner. Each service will be explained in detail below.

(1) Telephone service FIG. 5 is a processing flow of the telephone service.

If the user removes the handset (ST-step 1) and inserts a telephone or prepaid card (e.g. telephone card) in the same way as a regular public phone (step 2)
), available for use. Here, if you wish to spend 94M using a credit card, proceed to step 3. Step 3 is the flow of credit card usage processing as shown in FIG. 6(a).

First, in step 27, a card insertion instruction is displayed on the display, and in step 28, when the Icheon person inserts the card,
The card is read and the origin of the card is confirmed (steps 29 and 30). Based on this information, the card service network 1 Work is dialed to continue the process (step 31). Furthermore, send the card information (step 32).
), the validity of the card, such as the expiration date and whether there has been an accident, is checked, and the results are received (step 33).

If the check is OK, a password input instruction will be displayed.

If NG, return the card and reject it (step 35).
．． 36). When the user enters the password manually, the data is transmitted to have the password checked (steps 37 to 39). If the check is OK, the user's usage limit and transaction permission number are received. The usage limit and transaction permission interval are stored in the memory of the control unit until the service is terminated. That's what separates it from the service net. If the password check is NG, the card is returned and rejected (steps 40 to 44). Through the above processing, payment by credit card is guaranteed (Step 4 in Figure 5).

Returning to FIG. 5, we will continue the explanation of the telephone service. Once payment of the deposit is guaranteed, the telephone dialing will be enabled and you will be able to make calls (step 5).
~7). Here, when a signal (charging pulse) indicating the end of each card is received from the telephone network, the unit fee is collected in the case of cash, and l is subtracted from the remaining card's card each time in the case of a prepaid card. If the amount of money remaining or the number of points remaining on the prepaid card reaches O, an additional fee will be charged and if there is an additional charge, the service will continue as is, and if there is no additional charge, the line will be disconnected after a predetermined time. (Step 8~
16).

If the charge is paid by credit card, the charge pulse is received first and stored, and the 111th interest rate is subtracted from the Icheon limit each time, and the charge is added (steps 17 to 3). 20). In addition, if the usage fee exceeds the limit amount, in this case as well, an additional fee will be charged, and if there is an additional fee, the service will continue as it is, and if there is no additional fee, the line will be disconnected after a predetermined time (steps 17 to 20). Here, the fee payment follows the flow of credit card payment processing as shown in FIG. 6(b).

In Figure 6 (b), when the service ends, the card connects to the service network again, transmits the previously received transaction permission number, notifies which card the transaction is for, and then calculates the current transaction. Send the usage amount from transactions. This amount will be debited from your card's registered account at a later date. When this communication is completed, the device is disconnected from the service network and the payment process is completed (steps 45 to 49). When the payment process is completed, in step 2I of Figure 5,
Return the card and exit.

The user continues the call, and when finished, puts the handset back on. By doing this, we remove the reviewer's perspective and, in the case of cash, return the remaining balance, and in the case of prepaid cards, update the card to a less-used card and return it. In the case of a credit/soto card, skip the credit card payment process, return the card, and finish the transaction.

(2) FAX service FIG. 7 is a processing flow of the FAX service.

The fee for this fax service is basically determined by the number of times the line is used, but in order to prevent the fee from running out during transmission, the fee per fax is determined in advance for each sending area. At the start, a guidance display will be displayed asking you to enter the region and number of tickets. When the user inputs these, the fee will be calculated and billed. Fees may be paid by cash, prepaid card, or credit card. Once the rate is guaranteed, the dialing becomes valid (steps 50-54). When the user dials and is connected to the other party, interest is collected on the first billing pulse. Here, transmission is started, and when the specified number of sheets have been transmitted, the line is disconnected (steps 55 to 62). Thereafter, the balance is returned, the prepaid card is renewed and returned, the credit card is settled and returned, and the process ends (steps 63 to 70).

(3) Guidance and Reservation Service FIG. 8 shows the processing flow of the guidance and reservation service. In this service, first, a menu of available services is displayed, and the user selects the desired service from the menu. For example, information on train seat availability, theater information, sports information, etc. These information sources are different service networks, and after the user selects a service, the user connects to the information network (steps 71 to 73).

When you connect to the service net, the type of information you need is displayed in more detail and you can select it. For example, if the train is vacant, the necessary items such as Shinkansen, conventional train, etc. are specified (step 74).

Here, if the selected service is chargeable, the billed amount is displayed and the charge is accepted. If the fee is paid in cash or by credit card, the above-mentioned steps 27 to 44 are executed.

When the fee inquiry is completed, the service is started (steps 75 to 78). Services can be displayed on the display,
The information is provided by printing out in the document section (steps 79 to 81). If you wish to reserve a seat based on this information, we will accept the reservation as is, print out the registration form, and complete the reservation. If so, we will bill you as you would for a paid service, and if the billed amount is guaranteed, we will accept your reservation, print out your receipt or reservation ticket, and then withdraw your cash or credit card. (Steps 83-9
0).

(4) Banking services FIG. 9 is a processing flow of bank services.

Bank services include services such as deposit payments, deposits, balance inquiries, and transfers, similar to those available at general ATMs. The buyer first selects the desired transaction.

The example in FIG. 9 shows the flow when deposit payment is selected. When payment is selected, the user is instructed to insert a cash card (15), and when the card is inserted, the card is read and the issuing bank of the card is confirmed (steps 91-94). After confirming the withdrawal bank, connect to that bank's service network and send the card information. The bank checks the validity of the card based on the information and responds (steps 95 to 97).

If the check is NG, the card will be returned and rejected. If the check is OK, enter the 11f1 identification number, send it, and have the PIN checked (steps 98 to 1).
01).

Here, if the check is NG, the card is returned and rejected. If the check is OK, the payment amount is entered and sent (steps 102 to 104).

If the payment amount is greater than the balance, payment permission is returned and the balance of the account is updated.

Upon receipt of payment authorization, the banknotes are counted and the transaction details are printed. After that, return the cash, statement slip, and card, disconnect the service network, and finish (Step 10)
5-109).

The above services are for payments, but in the case of deposit services, balance inquiry services, transfer/transfer services, you can check the bank from the card in the same way,
Execute the transaction (steps +10-112).

These services are provided in the same way as in general ATMs.

(5) Credit Catalog Sales Figure 1 is a processing flow for credit catalog sales. This service displays a product catalog on a display and accepts requests for purchase. First, credit card usage processing, steps 27 to 44, are executed. In this way, the prices of products that can be sold are stored in advance. Then, a menu of products is displayed, and the user selects a purchase item from the menu (steps 113 to 115).

When a product is selected, the system connects to the Internet of the product's seller, receives detailed product information from there, and displays it. Here, let them decide whether to transfer this commercial crystal to other people,
If not, return the card and exit. 11-i
If the contract is entered by a person, display the contract and have them enter it.
Make a reservation for a product. The contents of this contract are printed out as a contract and handed to the user along with the card (step 116).
~121). The illi'J request for the product is debited from the user's account through the credit card 1 to the company 111 from the product vendor.

(6) Financial Information Service FIG. 11 is a processing flow of the financial information service. This service connects to the financial service network and displays stock price information, foreign exchange information, details of financial products, etc. (steps 122 to 125). Here, for example, when purchasing stocks, the same process as catalog sales may be performed.

Although the operation of this embodiment has been explained above, the present invention is not limited to this, and can be applied to many other fields.

Although not explicitly stated in the description of the above embodiment, it is necessary to give sufficient consideration to the calculation of fees received or paid at the service terminal. In other words, in the Kakinohata Song dynasty, there are multiple service providers, and it is necessary to settle fees for each entity. Possible solutions include a method in which the terminal is equipped with an interest aggregation function for each business entity and the aggregation results are printed out and settled, or a method in which the interest is directly transferred to each bank account.

In addition, the aforementioned video disc, CI) l'{○M, can be used to carry out applied work by storing guidance information, simple product catalogs, and other information, and searching and using it as appropriate. It is something that can be fulfilled.

〔Effect of the invention〕

2. As explained in detail, according to the present invention, it is possible to connect to multiple service networks, and the method of receiving fees can be divided into two types: one in which the fee is paid at the JI level, and one in which the fee is received at a flat rate. Since it is now possible to process both, a single terminal can support a wide range of services.In addition, not only prepaid cards but also ID cards can be used to pay for high-value items. This has the remarkable effect of realizing a multi-service terminal that can provide true multi-service services, such as the purchase of products and bank cash services.

[Brief explanation of drawings]

Fig. 1 is a block diagram showing an example of a composite service in the End Song Dynasty Yamabe Ju II, which shows an embodiment of the present invention, Fig. 2 is a diagram showing an example of service net, and Fig. 3 shows a complex service terminal of the embodiment. 4(a) is a diagram showing an example of the guidance screen for display profits, 4(b) is a configuration diagram for executing the service, and Figures 5 to 11 are processing flowcharts of various services. be. 1: Composite service terminal, 2: Telephone or video phone, 3: ID card reader, 4: Display unit, 5: Prepaid card reader, 6 Document 1, 7: Banknote withdrawal section, 8: Coin withdrawal section Metal part, 9 operation part, lO: control part, 1l
Two-line control section. 6 Figure (Part 1) Figure (Part 2) 1st O Figure

Claims (1)

[Claims] 1. In addition to a phone for telephone calls, it has a display section for displaying information and guidance, an operation section, an ID card reader, a prepaid card reader, a cash deposit/withdrawal machine, and a form printer, and provides a plurality of services. A composite service terminal is characterized in that it is configured to connect to one service network selected by an operator from services, and to receive online services in addition to phone calls based on information from the service network. 2. The composite service terminal according to claim 1, wherein the fee for the online service is settled by account settlement at the composite service terminal connected to a cash service network of a financial institution. 3. Claim 1, characterized in that the fee for the online service is paid by an account at the multi-service terminal connected to a credit service network using an ID card.
Composite service terminal as described. 4. In a multi-service terminal equipped with a cash deposit/dispensing machine connected to a call service network and a charge payment service network using a cash card or ID card, services can be provided using the cash card, ID card, and said cash deposit/dispensing machine. A charge payment method for a multi-service terminal, characterized by performing charge payment for a multi-service terminal.