JPH05197868A - Charge paying system utilizing ic card - Google Patents

Abstract

PURPOSE:To reduce time and cost and to efficiently pay charges by enabling credit collation or the specification of an account number without performing access to a data base. CONSTITUTION:This system is constituted of an IC card 1 for user, terminal equipment 2, IC card 3 for summing-up and data processor 4. Then, this system is provided with a step to write any peculiar data in the IC card 1 for user by a prescribed financial institute, step to subtract amount data just for a used amount from the IC card 1 for user by the terminal equipment 2, step to store the peculiar data and the amount data just for the used amount for each IC card 1 for user by the IC card 3 for summing-up inserted to the terminal equipment 2, and step to calculate an amount to be transferred from the prescribed financial institute based on the peculiar data and the amount data just for the used amount for each IC card 1 for user read from the IC card 3 for summing-up by the data processor 4.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fee payment system using an IC card for trading goods and providing services by using an IC card storing predetermined data as a substitute for cash.

[0002]

2. Description of the Related Art Conventionally, in a fee payment system using a card-shaped information storage medium storing predetermined data as a substitute for cash, a credit card in which the predetermined data is stored by magnetic means is generally used. Here, the charge payment method using a credit card is generally performed in the procedure as shown in FIG.

First, the user's ID data is magnetically written and issued to the credit card (step S).
1). When paying the fee using the issued credit card, first, the ID data of the credit card is read by the reading device (step S2). And
The database of the host computer is accessed to make a credit inquiry for the credit card (step S3), and then the charge is deducted for the financial institution and account number (step S4). After the fee has been paid by the above-mentioned procedure, the usage details will be sent to the user from the card company or the like.

[0004]

However, since the above-mentioned credit card stores data by magnetic means, it has a small storage capacity and can only write information about the ID data of the user. Therefore, in such a payment method using a credit card, it is necessary to access the database in order to perform credit reference of the credit card and obtain the account number as described above, which is time-consuming, costly, and inefficient. It had the drawback of being bad.

The present invention solves the above-mentioned conventional drawbacks, reduces the time and cost for accessing a database, enables efficient payment of fees, and enables the addition of various services. The purpose is to

[0006]

In order to achieve the above object, a charge payment method using an IC card according to the invention of claim 1 is a user ID data, data for identifying a financial institution and an account, and maximum use. An IC card for a user that stores unique data including data indicating a possible amount and a usage limit amount, a terminal device that is mounted with the IC card for the user and performs a predetermined process, An aggregating IC card mounted on the terminal device and storing the processing contents of the terminal device, and an aggregating IC card
A data processing device for mounting the card and reading the stored data to perform the data processing. A predetermined financial institution allows the user IC card to store the unique data. And a step of subtracting the amount data of the amount of use from the user IC card in which the unique data is written in the terminal device, and the totaling IC card Stores the unique data read by the terminal device and the amount data of the used amount deducted by the terminal device for each user IC card specified on the basis of the unique data. From the predetermined financial institution based on the step, and the specific data for each user IC card read by the data processing device from the totaling IC card and the amount data of the used amount. The step of calculating the amount to be deducted And butterflies.

According to a second aspect of the invention, the terminal device is a user I
When subtracting the amount data of the amount of use from the C card, if the total amount of use exceeds the limit of use based on the unique data stored in the user IC card, A step in which the totaling IC card stores the amount data of the deficient amount in the use of the user IC card as billing amount data; and a data processing device, the totaling IC card. Calculating an amount to be charged to a predetermined financial institution or a user of the IC card for a user based on the unique data and the charge amount data read from the card. To do.

In order to achieve the above object, a charge payment method using an IC card according to the invention of claim 3 is a user IC card storing user ID data, and the use of the IC card. A terminal device for mounting a personal IC card for performing a predetermined process, a totaling IC card mounted on the terminal device for storing the processing contents of the terminal device, and the totaling IC card
A data processing device for mounting the card and reading the stored data to perform data processing, wherein the terminal device is operated by the ID data of the user IC card. A step of specifying the user and storing the amount data of the amount of money used for each user in the counting IC card; and the data processing device read from the counting IC card. Calculating the amount to be charged to the user of the user IC card based on the amount data of the amount of use.

Further, in each of the above inventions, the above object can be achieved without using the counting card. In this case, the user IC is added to the data processing device.
A function for subtracting the amount of money for the amount of money used from the card, and a function for storing the unique data and the amount of money used and the amount of shortage for each user IC card It is necessary to use this data processing device as a terminal device and to withdraw it from a financial institution.

[0010]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a configuration for realizing a fee payment system according to an embodiment of the present invention, and FIG. 2 is a flowchart showing an operation procedure of this embodiment.

As shown in the figure, in the fee payment system of this embodiment, a user IC card 1, a terminal device 2 for mounting the user IC card 1 and performing a predetermined process, and a terminal device 2
Which is attached to the computer and stores the processing contents of the terminal device 2
It is composed of a C card 3 and a data processing device 4 in which the counting IC card 3 is mounted and which processes data.

The user IC card 1 stores predetermined unique data and use data. This unique data is written by the financial institution designated by the user at the time of or after the issuance of the IC card for the user. On the other hand, the usage data is written by additional writing or rewriting by the terminal device 2 each time it is attached to the terminal device 2 and data processing is performed. FIG. 3 shows the structure of data stored in the user IC card 1.

In the present embodiment, the unique data written in the user IC card 1 by the financial institution includes the personal identification number 11, address and name 12, financial institution and account number 13, and maximum available amount 14 as shown in the figure. The usage limit is 15. The usage data is the usage amount and the usage terminal 16, and is additionally written by the terminal device 2 each time the user IC card 1 is used.

The personal identification number 11 is used to confirm the user when using the user IC card 1. As a result, it is possible to confirm whether the user IC card 1 is illegally used without accessing the database of the host computer and making a credit inquiry. The address and name 12 are used when sending the usage details to the user. As a result, the destination can be specified without accessing the database and reading the user's address and name. Financial institution and account number 1
3 is used when the amount equivalent to the amount used is withdrawn from the financial institution. Thereby, the partner financial institution and the account number can be specified without accessing the database.

The maximum usable amount 14 is the maximum amount that the user can use (for example, the amount corresponding to the total deposit amount). Further, the usage limit amount 15 is an amount of money that can be used in normal use (for example, an amount of money allowed to be withdrawn by a financial institution), and can be arbitrarily set by the user. By thus setting the available amount of money stepwise, it is possible to obtain the user's permission or issue a warning when using the amount of money exceeding the limit of use 15, for example. Further, not only when the amount of money used at one time exceeds the usage limit of 15, but also when the total amount of usage exceeds the usage limit of 15, the user's permission can be similarly obtained or a warning can be issued. Needless to say. Furthermore, if the maximum usable amount 14 is set to a percentage of the total deposit amount, even if the user IC card is illegally used, only the set maximum usable amount can be used, resulting in damage. Can be reduced.

The usage amount and the usage terminal 16 are used when confirming the usage status of the user IC card 1. Further, in the case of installment payment, the number of payments, the amount of money, etc. may be written. By storing these data in the user IC card 1, the past use state of the user IC card 1 can be confirmed by the terminal device 2 or the like as needed. The data written in the user IC card 1 is not limited to the above-mentioned data, and the necessary data can be written according to the purpose of use.

The terminal device 2 is a user IC card 1
It will be installed in the place where payment is made in. For example, this corresponds to the inside of a store or a taxi (when this method is used for taxi fare payment). Then, when the user IC card 1 is used, specific data is read from the user IC card 1 and the usage amount and the usage terminal are written. Further, instead of the usage amount, an amount (remaining amount) obtained by subtracting the usage amount from the usage limit amount 15 may be written in the user IC card 1. When the usage amount exceeds the usage limit amount 15 or the remaining amount, the terminal device 2 requests the user for permission or issues a warning.

The counting IC card 3 is mounted on the terminal device 2 regularly or at all times, and the user IC card 1
The processing contents when is used are stored for each user IC card 1. Therefore, the totaling IC card 3 is associated with necessary data (address and name 12, financial institution and course number 13, etc.) among the unique data read by the terminal device 2 from the user IC card 1 and the amount of use. Will be remembered. Further, when the usage amount exceeds the usage limit amount 15 of the user IC card 1, the excess amount is stored as a shortage amount.

The data processing device 4 is installed in a card company or the like, and periodically loads the counting card 3 to read the stored data. Then, the financial institution and the course number are specified, the withdrawal amount is calculated, and the fee is withdrawn.
In addition, a user is specified and a usage statement is created. Furthermore, if there is a shortfall, a billing statement is created for that amount. The above usage statement and billing statement are sent to the user and the financial institution.

Now, a case where the present embodiment is applied to taxi fare payment will be described with reference to the flowchart of FIG. In this example, the terminal device 2 is installed in the vehicle of each taxi, and the data processing device 4 is installed in the office of the taxi company. First, specific data is written in the user IC card 1 by the financial institution designated by the user (step S1).

When the user or driver installs the user IC card 1 into the terminal device 2 installed in the taxi when the user uses a taxi, the terminal device 2 is replaced by the user IC card 1 Read unique data (step S
2) Write the amount of money used and the terminal used (step S
3).

Here, when the amount of money used is smaller than the maximum amount of money used 15, the amount of money used is written in the totaling IC card 3 together with the unique data (steps S4 and S5). Then, after the taxi returns to the business office, the data processing device 4 installed in the business office is loaded with the counting IC card 3 and the data is read (step S6). Is created (step S7).

On the other hand, when the usage amount is larger than the usage limit amount 15, the usage amount and the shortage amount are written together with the unique data in the counting IC card 3 (steps S4, S).
8). Then, after the taxi returns to the business office, the data processing device 4 installed in the business office is loaded with the counting IC card 3 to read the data (step S
9), charge deduction, usage details and billing details are created (step S10).

The taxi fare payment is completed as described above. Needless to say, when the billing statement is created, the payment is completed by paying a considerable amount from the user or the financial institution.

In this embodiment, it is also possible to pay the fee without using the IC card for counting. That is, in each taxi (or store), the processing of deducting the usage amount from the user IC card, the processing of totaling, the processing of deducting from the financial institution, and the processing of preparing the usage statement or billing statement are all performed You can do it. This can be realized by providing each taxi (or store) with a data processing device having a function of performing each of the above processes. In this case, the flow chart of FIG.
Steps S2 to S10 of the processing shown in FIG.
Is performed by the data processing device.

Next, another embodiment of the present invention will be described. This embodiment is composed of a user IC card 1, a terminal device 2, an aggregating IC card 3 and a data processing device 4 as in the embodiments of FIGS. 1 and 2 described above.

When issued, the personal identification number and the address and name of the user are written on the user IC card 1. In this embodiment, data such as the financial institution and the maximum usage limit are not written. The terminal device 2 and the counting IC card 3
Is similar to that of the embodiment of FIGS.

The data processing device 4 reads the data stored in the counting IC card 3, identifies the user, calculates the bill, and prepares the bill details. The created bill details are sent to the user. The procedure of the fee payment system of this embodiment is shown in the flowchart of FIG.

Also in this embodiment, it is possible to pay the fee without using the IC card for counting. That is, each taxi (or store)
In the above, the processing of deducting the amount of money used from the IC card for the user, the processing of totaling, the processing of deducting from the financial institution, and the processing of creating the usage statement or billing statement may all be performed. This is a data having a function of performing each of the above processes.
This can be realized by providing a data processing device in each taxi (or store). In this case, the steps S2 to S6 of the processing shown in the flowchart of FIG. 4 are performed by the data processing device.

[0030]

As described above, in the fee payment system using the IC card of the present invention, the step of writing the unique data to the user IC card and the writing of the unique data. A step of subtracting the amount data of the amount of use from the stored IC card for the user, and the user specifying the above-mentioned unique data and the amount data of the amount of use based on the above-mentioned unique data. For each IC card for use, and for calculating the amount to be deducted from a predetermined financial institution based on the unique data for each user IC card and the amount data for the amount used. Since it is composed of the following, it is not necessary to check the credit of the card and access to the database for identifying the user and the destination of the fee deduction, and it is possible to significantly reduce the time and cost in the fee payment procedure. To improve There is an effect that can be.

Further, by setting the usage limit amount and the maximum available amount, even if the user exceeds the usage limit amount or the remaining amount (the amount obtained by subtracting the usage amount each time from the usage limit amount), the user It has the effect that it can be used after calling the user's attention, and it will not become unusable like credit cards and prepaid cards.

Further, by utilizing the unique data and the usage data of the user IC card, it is possible to add various services such as checking the past usage status.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration for realizing a fee payment system according to an embodiment of the present invention.

FIG. 2 is a flowchart showing a fee payment procedure with the configuration of FIG.

3 is a diagram showing a data configuration of the user IC card of FIG.

FIG. 4 is a flowchart showing another embodiment of the present invention.

FIG. 5 is a flow chart showing a procedure for payment of charges by a conventional credit card.

[Explanation of symbols]

 1 IC card for users 2 Terminal device 3 IC card for aggregation 4 Data processing device

Claims (6)

[Claims] 1. An IC card for a user, which stores unique data including user ID data, data for identifying a financial institution and an account, maximum usable amount, and data showing a maximum usable amount.
Card, a terminal device for mounting the user IC card to perform a predetermined process, a totaling IC card mounted on the terminal device for storing processing contents of the terminal device, and the totaling For I
A data processing device which is equipped with a C card and reads the stored data to process the data, and a predetermined financial institution allows the user IC card to store the unique data. The step of writing the data, the step of the terminal device subtracting the amount data of the used amount from the user IC card in which the unique data is written, and the totaling IC card. The unique data read by the terminal device and the amount data of the used amount deducted by the terminal device are stored for each user IC card specified based on the unique data. And the predetermined financial institution based on the peculiar data for each user IC card and the amount data of the amount of money read by the data processing device from the totaling IC card. And the step of calculating the amount to be withdrawn. A payment method using an IC card characterized by 2. When the terminal device subtracts the amount data of the used amount from the user IC card, the total of all used amounts is the unique data stored in the user IC card. If the usage limit amount is exceeded, the totaling IC card stores the amount data of the shortage amount in the use of the user IC card as billing amount data, -Amount to be charged to a predetermined financial institution or a user of the IC card for a user based on the unique data and the amount of charge data read by the data processing device from the IC card for aggregating The method of claim 1, wherein the IC card-based fee payment system is used. 3. A user IC card storing user ID data, a terminal device for mounting the user IC card to perform a predetermined process, and a terminal device mounted on the terminal device. A totaling IC card for storing the processing contents of the terminal device, and a data processing device for mounting the totaling IC card and reading the stored data for data processing. And the terminal device identifies the user by the ID data of the IC card for the user, and obtains the amount data corresponding to the used amount of money for each user. And a request to the user of the IC card for the user based on the amount data of the used amount read by the data processing device from the counting IC card. Payment method using an IC card, which comprises the step of calculating the amount to be paid . 4. An IC card for a user, which stores unique data including user ID data, data for identifying a financial institution and an account, maximum usable amount, and limit amount of use.
And a data processing device for mounting the user IC card and performing a predetermined process. A predetermined financial institution provides the user IC card with the unique data. A step of writing, a step in which the data processing device subtracts the amount of money for the amount of money to be used from the IC card for the user in which the unique data is written, and the data processing The apparatus stores the amount data of the amount of money used and the unique data read from the user IC card for each user IC card specified on the basis of the unique data. The data processing device calculates a monetary amount to be withdrawn from the predetermined financial institution based on the peculiar data for each user IC card and the monetary amount data for the used monetary amount. A fee payment system using an IC card. 5. When the data processor subtracts the amount of money for the amount of money used from the user IC card, the total amount of money used is stored in the user IC card. The data processing device stores the amount data of the shortage amount in the use of the user IC card as billing amount data when the usage limit amount according to the unique data is exceeded. , A data processing device determines to a predetermined financial institution or a user of the user IC card based on the unique data read from the user IC card and the stored billing amount data. 5. The charge payment system using the IC card according to claim 4, further comprising the step of calculating an amount to be charged. 6. An IC card for a user, which stores the ID data of the user, and a data processing device which mounts the IC card for the user and performs a predetermined process. A step in which the data processing device identifies a user by means of the ID data of the IC card for the user and stores the amount data of the amount of money used for each user, The data processing device calculates the amount to be charged to the user of the IC card for the user based on the amount data of the amount of use stored for each user. Paying method using IC card.