JPH0488495A - Card system - Google Patents
Card systemInfo
- Publication number
- JPH0488495A JPH0488495A JP2197148A JP19714890A JPH0488495A JP H0488495 A JPH0488495 A JP H0488495A JP 2197148 A JP2197148 A JP 2197148A JP 19714890 A JP19714890 A JP 19714890A JP H0488495 A JPH0488495 A JP H0488495A
- Authority
- JP
- Japan
- Prior art keywords
- information
- card
- medium
- processing
- storage medium
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000000034 method Methods 0.000 claims abstract description 19
- 230000010365 information processing Effects 0.000 claims description 12
- 238000013500 data storage Methods 0.000 abstract description 7
- 238000007726 management method Methods 0.000 description 28
- 238000004891 communication Methods 0.000 description 7
- 230000005540 biological transmission Effects 0.000 description 6
- 238000010586 diagram Methods 0.000 description 4
- 230000000694 effects Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 230000029305 taxis Effects 0.000 description 1
Landscapes
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Description
【発明の詳細な説明】
〔産業上の利用分野〕
本発明は磁気カードやＩＣカード等の記憶媒体を用いる
カードシステムに関する。DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a card system using a storage medium such as a magnetic card or an IC card.
従来、この種のカードシステムでは、公衆電話や交通機
関の切符の発売や商品の販売等におけるプリペイドカー
ドシステムやクレジットカードシステムとして個々に実
現されており、それぞれのシステムは前払い、後払い等
の各決済方式や、カードの機能内容に対応する固有のカ
ート処理装置や処理プログラムで構成されていた。Traditionally, this type of card system has been implemented individually as a prepaid card system or a credit card system for the sale of public telephone or transportation tickets, product sales, etc., and each system has been used for various payments such as prepayment and deferred payment. It consisted of a unique cart processing device and processing program that corresponded to the method and function of the card.
上述した従来のカードシステムでは、個々のシステムは
プリペイド（前払い）やクレジット（後払い）等の各種
の決済方式の内ただ一つの方式のみを対象とし、異なる
いくつかの方式のカードを処理しようとする場合には、
それぞれに対応するカード処理装置や決済処理等を行な
うプログラムを開発しなければならないという欠点があ
る。また、同一決済方式のカードにおいても、機能追加
等で、カード処理装置や処理プログラムを新規に開発し
りビジョンが異なった場合、既に発行されている旧機能
のカードは使用できなくなるという欠点がある。In the conventional card systems mentioned above, each system deals with only one of various payment methods such as prepaid (prepaid) and credit (paid after), and attempts to process cards of several different types. in case of,
The drawback is that a corresponding card processing device and a program for payment processing must be developed. Further, even for cards with the same payment method, if a new card processing device or processing program is developed due to additional functions, etc., and the vision is different, there is a drawback that already issued cards with old functions can no longer be used.
本発明は、記憶媒体であって、前払いか後払いかを示す
媒体種別情報と、前記前払いに対しては残高を前記後払
いに対しては使用限度額を示す使用情報と、前記前払い
に対しては前記記憶媒体の発行者を前記後払いに対して
は前記記憶媒体の所有者を示す媒体管理情報とを有し、
前記記憶媒体を処理するカードシステムにおいて、前記
記憶媒体における前記使用情報から予しめ前記記憶媒体
処理に先立って前記システムで計算されている取引金額
を差し引いて前記使用情報を更新する更新部と前記記憶
媒体における前記媒体種別情報、前記取引金額を前記媒
体管理情報対応に媒体処理情報として記憶する記憶部と
を有する媒体処理手段と、前記前払いに対しては前記記
憶媒体の発行者対応に決済方式情報を管理し、前記後払
いに対しては前記記憶媒体の所有者対応に決済方式情報
を管理する決済情報管理部と、前記決済方式情報を基に
前記記憶部から受信する前記媒体処理情報について前記
媒体管理情報対応に決済処理を行う情報処理部とを有す
る情報処理管理手段と、前記媒体処理手段における前記
記憶部から前記情報処理管理手段に前記媒体処理情報を
伝達する情報伝達手段から構成されることを特徴とする
。The present invention is a storage medium, and includes medium type information indicating whether prepayment or deferred payment, usage information indicating a balance for the prepayment and a usage limit for the deferred payment, and usage information indicating the usage limit for the prepayment. and medium management information indicating the owner of the storage medium for the deferred payment,
In a card system that processes the storage medium, an updating unit that updates the usage information by subtracting a transaction amount calculated in advance in the system prior to processing the storage medium from the usage information on the storage medium; and the storage. a medium processing means having a storage unit that stores the medium type information of the medium and the transaction amount as medium processing information corresponding to the medium management information, and payment method information corresponding to the issuer of the storage medium for the advance payment. a payment information management unit that manages payment method information corresponding to the owner of the storage medium for the deferred payment; and a payment information management unit that manages the payment method information corresponding to the owner of the storage medium for the deferred payment; comprising: an information processing management means having an information processing unit that performs payment processing in response to management information; and an information transmission means that transmits the medium processing information from the storage unit in the medium processing means to the information processing management means. It is characterized by
次に、本発明について図面を参照して説明する。 Next, the present invention will be explained with reference to the drawings.
第１図は本発明の一実施例を示す全体構成図である。第
１図において、カード１００はデータ記憶機能を有する
ＩＣカードや磁気カード等の記憶媒体であり、プリペイ
ド（前払い）カードや後払い方式のメンバーカードとし
て用いられ、プリペイドカードに対しては額面金額ある
いは残高を、後払い方式のメンバーカードに対しては使
用限度額等の使用可能金額の情報を含むデータ記憶部１
１０と、プリペイドカードに対しては各カードの発行者
の固有情報を、メンバーカードに対しては所有者等の固
有情報を記憶したカード管理コード記憶部１２０と、各
カードの決済方法を決めるに必要な前払いか後払いかの
情報を記憶するカード種別記憶部１３０と、各カードの
機能世代を表わすカードリビジョンを記憶するカードリ
ビジョン記憶部１４０とを有し、カード処理手段２００
に挿入され使用される毎にデータ記憶部１１０が更新さ
れる。FIG. 1 is an overall configuration diagram showing an embodiment of the present invention. In FIG. 1, a card 100 is a storage medium such as an IC card or a magnetic card that has a data storage function, and is used as a prepaid card or a deferred payment member card. For deferred payment member cards, there is a data storage unit 1 containing information on the amount of money that can be used, such as the usage limit.
10, a card management code storage unit 120 that stores unique information of the issuer of each card for prepaid cards, and unique information such as the owner for member cards; The card processing means 200 has a card type storage section 130 that stores necessary information on prepayment or deferred payment, and a card revision storage section 140 that stores card revisions representing the functional generation of each card.
The data storage unit 110 is updated each time the data is inserted into and used.
カード処理手段２００−１〜２００−ｎは例えば切符の
自動券売機、タクシ−の車載装置、商品の自動販売機等
である。カード種別認識部２１０はカード１００挿入時
に、カード種別記憶部１３Ｏより該カードのカード種別
を入力し、認識する。カードリビジョン認識部２２０は
カード１００挿入時に、カードリビジョン記憶部１４０
より該カードのカードリビジョンを入力し、認識する。The card processing means 200-1 to 200-n are, for example, automatic ticket vending machines, in-vehicle devices of taxis, vending machines for merchandise, or the like. When the card 100 is inserted, the card type recognition unit 210 inputs the card type of the card from the card type storage unit 13O and recognizes the card type. When the card 100 is inserted, the card revision recognition unit 220 recognizes the card revision storage unit 140.
Then input the card revision of the card and recognize it.
カードアクセス部２３０は、前述のカード種別およびカ
ードリビジョンに基すいて、切符の販売、運賃、料金の
清算等の処理を行い、データ記憶部１１０に格納されて
いる残高等の記憶情報を更新する。The card access unit 230 performs processing such as ticket sales, fares, and charge settlement based on the above-mentioned card type and card revision, and updates the storage information of the balance stored in the data storage unit 110. .
処理情報通信部２４０はカードアクセス部２３０によっ
て更新されたカード１００の情報、すなわちカード種別
、カード管理コード、カードリビジョン、料金等のカー
ド処理情報を記憶したカード処理情報記憶部２４１から
この情報を情報伝達手段３００を介してカード情報処理
管理手段４００に伝達する。The processing information communication unit 240 receives information about the card 100 updated by the card access unit 230, that is, from the card processing information storage unit 241 that stores card processing information such as card type, card management code, card revision, and charge. The information is transmitted to the card information processing management means 400 via the transmission means 300.
情報伝達手段３００はオンライン通信ネットワークある
いはフロッピーディスク等で実現され、複数のカード処
理手段２００と１つのカード情報処理管理手段４００と
の間でのカート処理情報の伝達に使用される。The information transmission means 300 is realized by an online communication network or a floppy disk, and is used to transmit cart processing information between a plurality of card processing means 200 and one card information processing management means 400.
カード情報処理管理手段４００は電子計算機システムで
実現され、決済情報の管理や決済処理を行なう。管理情
報通信部４１０は、情報伝達手段３００を経由して、複
数のカード処理手段２００から送られてくるカード処理
情報を受信する。The card information processing management means 400 is realized by an electronic computer system, and manages payment information and performs payment processing. The management information communication section 410 receives card processing information sent from the plurality of card processing means 200 via the information transmission means 300.
決済情報管理部４２０はカード１００の発行元や使用者
ごとに決済手段や決済日等の決済条件に関する情報を管
理する。カード情報アクセス部４３０は、管理情報通信
部４１０で受信されたカード処理情報を受は取引、この
中に含まれるカード管理コードおよびカード種別コード
に基すいて決済情報管理部４２０を参照しながら各カー
ド１００での取引きに関する決済処理を行なう。The payment information management unit 420 manages information regarding payment conditions such as payment method and payment date for each issuer and user of the card 100. The card information access unit 430 receives the card processing information received by the management information communication unit 410 and performs each transaction while referring to the payment information management unit 420 based on the card management code and card type code included therein. Settlement processing for transactions with the card 100 is performed.
第２図は、第１図の実施例における動作の流れを示す図
である。FIG. 2 is a diagram showing the flow of operations in the embodiment of FIG. 1.
ます、カード１００がカード処理手段２０〇−１に挿入
されると、カード種別認識部２１０によりカード種別記
憶部１３０のカード種別データＳ１が、カードリビジョ
ン認識部２２０によりカードリビジョン記憶部１４０の
カードリビジョンデータＲ１がそれぞれ認識される。こ
こで例えば、カード種別データＳ１が決済方法として後
払を表し、カードリビジョンデータＲ１が複数業界に共
通であるという機能をもつ世代のりビジョンを表わすと
する。カードアクセス部２３０はカード種別データＳ１
、カードリビジョンデータＲ１およびカードの所有者を
示すカード管理コード記憶部１２０の管理コードデータ
Ｃ１に基すき業界に共通で後払に対応する該カードの使
用可否判断や取引金額Ｘによるデータ記憶部１１０のデ
ータＤ１のデータＤ２への変更処理を行う。これらカー
ド１００から得られたカード種別データＳ１、カードリ
ビジョンデータＲ１および管理コードデータＣ１また取
引金額Ｘはカード処理情報記憶部２４１に記憶され、情
報伝達手段３００を介して管理情報通信部４１０に伝達
される。次に、カード情報アクセス部４３０において決
済情報管理部４２０を参照し管理コードデータＣ１に対
応する決済情報に基すいて決済処理を行なう。本実施例
においては、カード種別データＳ１が後払を表したので
、カード処理手段２００−ｉの所有者への立て替え払い
の振替およびカード１００の所有者への請求処理が該当
する。First, when the card 100 is inserted into the card processing means 200-1, the card type recognition unit 210 reads the card type data S1 in the card type storage unit 130, and the card revision recognition unit 220 reads the card revision data in the card revision storage unit 140. Each data R1 is recognized. For example, it is assumed here that the card type data S1 represents deferred payment as a payment method, and the card revision data R1 represents a generation credit card having a function common to a plurality of industries. The card access section 230 has card type data S1
, the card revision data R1 and the management code data C1 of the card management code storage unit 120 indicating the owner of the card.The data storage unit 110 determines whether or not the card can be used and supports deferred payment, which is common in the industry, and the transaction amount X. The data D1 is changed to the data D2. The card type data S1, card revision data R1, management code data C1, and transaction amount X obtained from these cards 100 are stored in the card processing information storage section 241 and transmitted to the management information communication section 410 via the information transmission means 300. be done. Next, the card information access section 430 refers to the payment information management section 420 and performs payment processing based on the payment information corresponding to the management code data C1. In this embodiment, since the card type data S1 indicates deferred payment, this corresponds to the transfer of advance payment to the owner of the card processing means 200-i and the billing process to the owner of the card 100.
本実施例では、カード処理手段２００からカード情報処
理管理手段４００への情報の転送が−っのカード１００
の処理がなされる毎に行われる例を示したが、複数のカ
ードの情報を蓄積してがらまとめて転送するようにして
もよい。In this embodiment, information is transferred from the card processing means 200 to the card information processing management means 400 using only one card 100.
Although the example is shown in which the information is performed each time the process is performed, it is also possible to accumulate information on a plurality of cards and transfer them all at once.
以上説明したように本発明によれば５、プリペイド（前
払い）やクレジット（後払い）等カードの決済方式が異
っていても、又、同一決済方式のカードであっても、機
能追加等でリビジョンが異っていても、同一のシステム
によって処理することが出来、カード処理の効率化と経
済性、及び便利性を向上させる効果がある。As explained above, according to the present invention, 5. Even if the payment method of the card is different, such as prepaid (advance payment) or credit card (postpayment), or even if the card has the same payment method, revisions can be made by adding functions etc. Even if the cards are different, they can be processed by the same system, which has the effect of improving the efficiency, economy, and convenience of card processing.
第１図は本発明の一実施例を示す全体構成図、第２図は
、第１図の実施例における動作の流れを示す図である。
１００・・・カード、１１０・・・データ記憶部、１２
０・・・カード管理コード記憶部、１３０・・・カード
種別記憶部、１４０・・・カードリビジョン記憶部、２
００−１〜２０００−１・・・カード処理手段、２１０
・・・カード種別認識部２２０・・・カードリビジョン
認識部、２３０・・・カードアクセス部、２４０・・・
処理情報通信部、２４１・・・カード処理情報記憶部、
３００・・・情報伝達手段、４００・・・カード情報処
理管理手段、４１０・・・管理情報通信部、４２０・・
・決済情報管理部、４３０・・・カード情報アクセス部
。FIG. 1 is an overall configuration diagram showing one embodiment of the present invention, and FIG. 2 is a diagram showing the flow of operations in the embodiment of FIG. 100... Card, 110... Data storage section, 12
0... Card management code storage section, 130... Card type storage section, 140... Card revision storage section, 2
00-1 to 2000-1...Card processing means, 210
...Card type recognition section 220...Card revision recognition section, 230...Card access section, 240...
Processing information communication unit, 241...Card processing information storage unit,
300... Information transmission means, 400... Card information processing management means, 410... Management information communication department, 420...
- Payment information management department, 430...Card information access department.
Claims (4)
別情報と、前記前払いに対しては残高を前記後払いに対
しては使用限度額を示す使用情報と、前記前払いに対し
ては前記記憶媒体の発行者を前記後払いに対しては前記
記憶媒体の所有者を示す媒体管理情報とを有し、前記記
憶媒体を処理するカードシステムにおいて、前記記憶媒
体における前記使用情報から予じめ前記記憶媒体処理に
先立つて前記システムで計算されている取引金額を差し
引いて前記使用情報を更新する更新部と前記記憶媒体に
おける前記媒体種別情報、前記取引金額を前記媒体管理
情報対応に媒体処理情報として記憶する記憶部とを有す
る媒体処理手段と、前記前払いに対しては前記記憶媒体
の発行者対応に決済方式情報を管理し、前記後払いに対
しては前記記憶媒体の所有者対応に決済方式情報を管理
する決済情報管理部と、前記決済方式情報を基に前記記
憶部から受信する前記媒体処理情報について前記媒体管
理情報対応に決済処理を行う情報処理部とを有する情報
処理管理手段と、前記媒体処理手段における前記記憶部
から前記情報処理管理手段に前記媒体処理情報を伝達す
る情報伝達手段から構成されることを特徴とするカード
システム。1. media type information indicating whether the storage medium is prepaid or deferred; usage information indicating the balance for the prepayment and the usage limit for the deferred payment; and information about the storage medium for the prepayment. The issuer has medium management information indicating the owner of the storage medium for the deferred payment, and in a card system that processes the storage medium, the storage medium processing is performed in advance based on the usage information of the storage medium. an updating unit that updates the usage information by subtracting the transaction amount calculated by the system prior to the above; and a memory that stores the medium type information and the transaction amount in the storage medium as media processing information in correspondence with the media management information. a media processing means having a unit, and managing payment method information corresponding to the issuer of the storage medium for the prepayment, and managing payment method information corresponding to the owner of the storage medium for the postpayment. Information processing management means having a payment information management section, and an information processing section that performs payment processing in accordance with the medium management information with respect to the medium processing information received from the storage section based on the payment method information, and the medium processing means. A card system comprising an information transmitting means for transmitting the medium processing information from the storage section to the information processing management means.
体リビジョン情報を有し、前記媒体リビジョン情報と前
記媒体種別情報から受付可能性をチェックし、前記受付
可能な前記記憶媒体に関して前記使用情報の前記更新を
行う更新部を有することを特徴とする請求項１記載のカ
ードシステム。2. The storage medium has medium revision information indicating a functional generation of the storage medium, the acceptability is checked from the medium revision information and the medium type information, and the usage information regarding the acceptable storage medium is checked. The card system according to claim 1, further comprising an updating section that performs updating.
理手段からの前記媒体処理情報について前記決済処理を
行う情報処理管理手段を有することを特徴とする請求項
１記載のカードシステム。3. 2. The card system according to claim 1, further comprising a plurality of said medium processing means and an information processing management means for performing said payment processing on said medium processing information from said plurality of said medium processing means.
部と前記複数の記憶媒体の前記媒体処理情報を記憶する
記憶部を有する媒体処理手段を有することを特徴とする
請求項１記載のカードシステム。4. 2. The card system according to claim 1, further comprising a medium processing means having an updating section that updates the usage information of the plurality of storage media, and a storage section that stores the medium processing information of the plurality of storage media.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2197148A JP2616176B2 (en) | 1990-07-25 | 1990-07-25 | Card system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2197148A JP2616176B2 (en) | 1990-07-25 | 1990-07-25 | Card system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JPH0488495A true JPH0488495A (en) | 1992-03-23 |
| JP2616176B2 JP2616176B2 (en) | 1997-06-04 |
Family
ID=16369561
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2197148A Expired - Fee Related JP2616176B2 (en) | 1990-07-25 | 1990-07-25 | Card system |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JP2616176B2 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6088680A (en) * | 1994-06-21 | 2000-07-11 | Fujitsu Limited | Automatic toll adjusting system, and storage medium with a radio communication function, frequency converting apparatus, writing apparatus, settling apparatus, depositing apparatus and inquiring apparatus therefor |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH0470992A (en) * | 1990-07-04 | 1992-03-05 | Ee C S:Kk | Card system |
-
1990
- 1990-07-25 JP JP2197148A patent/JP2616176B2/en not_active Expired - Fee Related
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH0470992A (en) * | 1990-07-04 | 1992-03-05 | Ee C S:Kk | Card system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6088680A (en) * | 1994-06-21 | 2000-07-11 | Fujitsu Limited | Automatic toll adjusting system, and storage medium with a radio communication function, frequency converting apparatus, writing apparatus, settling apparatus, depositing apparatus and inquiring apparatus therefor |
Also Published As
| Publication number | Publication date |
|---|---|
| JP2616176B2 (en) | 1997-06-04 |
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