JPH06348742A - On-line financial system - Google Patents

Abstract

PURPOSE:To settle the account of a call tariff of a public telephone by transferring it from a user's account while utilizing a bank card. CONSTITUTION:Since this system is on-line connected with a financial institution host computer 4 during on-line working time, the update of information inside a bank card 1 and the settlement of the account of the call tariff are updated at real time. Out of the on-line working time, the information inside the bank card 1 is updated by a public telephone set 2, the information of the call tariff is transferred from the public telephone set 2 through a telephone exchange 3 to the external information reception file of the financial institution host computer 4, and batch update is performed to the data base of the financial institution by center cut processing before the on-line working time in the next morning.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an online financial system for making a call using a bank card.

[0002]

2. Description of the Related Art Conventional public telephones use a prepaid card such as a coin or a telephone card to settle call charges. When a prepaid card is used instead of cash, only the number of times recorded on the prepaid card is used. It is a call.

There is also known a system for paying the fee by accessing the host computer by an online terminal, but an online financial system operating 24H has not been realized, and consideration is given to processing outside the online operating hours. There is.

[0004]

In the conventional public telephone, when a long-distance call such as an overseas call or a long-time call is required, it is necessary to prepare a large amount of coins or a prepaid card, and it is not possible to prepare. Has a problem that the call time is limited.

When using a prepaid card,
Even if you don't use the card after purchasing it, you will not be able to receive the refund after you start using the card.

[0006]

SUMMARY OF THE INVENTION An object of the present invention is to solve the above problems and to make a call from a public telephone at any time without requiring cash, a prepaid card or the like.

The online financial system of the present invention is information for identifying a user including at least one of an identification code, a password, an account number, a customer name, and a telephone number, and is new registration, name change, account closure, or service. A first storage unit (5-a) that stores fixed information that can be rewritten only by processing of a counter terminal by an operator of a bank card issuing financial institution when canceling a contract, and at least one of a deposit balance and a telephone charge pool balance. Including a bank card having a second storage unit (5-b) for storing transaction information updated by the online terminal for each telephone use transaction, and a fixed storage area (2a) for reading the fixed information when the bank card is used. , M3) means (f4),
Also, a communication means (2) that transfers customer information and usage information to the host computer before and after the call starts, respectively.
f) Using a public telephone that has and, pay the call charge by connecting online and withdrawing from the financial account, or pay the call charge from the pool balance stored in the storage area of the bank card. The feature is that you can choose to pay.

In addition to customer information such as ID, password, customer name, etc., the bank card has two types of storage sections, which are rewritten by transactions, that is, a deposit balance area and a telephone charge pool area.

Outside the online operating hours, charges are settled according to the amount of money recorded in the telephone charge pool area.

In addition, the system uses a bank card information for user identification, which can be used without connecting to a host.

During the online operation time, when the host computer is connected, the information in the bank card is combined with the information in the host DB to update the bank card information, especially the deposit balance to the latest state. Then close the line with the host.

After the call, the value obtained by subtracting the usage charge from the charge in the balance area is written in the bank card, and at the same time, the information on the usage charge is transferred to the host and deducted from the deposit balance.

[0013]

Embodiments of the present invention will now be described with reference to the drawings.

FIG. 1 is a block diagram showing the overall construction of an embodiment of the present invention. This online financial system comprises a bank card 1, a card interface 2, a public telephone 2, a telephone exchange 3 and a host computer 4.

The public telephone 2 is connected online by a telephone exchange 3 to a host computer 4 which performs various controls including line connection.

FIG. 2 is a block diagram showing the internal structure of the public telephone 3 in FIG. As the control unit, the CPU 2b
A microcomputer including a memory area 2a is used, and a card interface 2c, a keyboard portion 2d, a display portion 2e, and a modem 2f are connected to the CPU 2b.

The card interface 2c connects the inserted bank card 1 to the CPU 2b, reads the in-bank card information, and updates the in-bank card information in accordance with the information calculated by the CPU 2b.

The handset 2g is connected to the modem 2f,
It is connected to a telephone line through the telephone exchange 4 and is used for exchanging voice with a telephone to be called.

FIG. 3 is an external view of the public telephone 3 shown in FIG. The telephone set 3 includes a main body 30 and a handset 3g. The main body 30 includes a ten-key pad 3h and a card reader 3
i, the display 3j is mounted.

The keyboard portion 2d is composed of a ten-key keyboard 3h as shown in FIG. 3, and stores the input partner telephone number, a password for confirming the identity of the user, and fixed information of the user such as a telephone number if necessary. CPU2
transfer to b.

The card interface section 2c includes a card reader 3i and sends the in-bank card information read from the bank card 1 to the CPU 2b.

Check result of valid / invalid of bank card, password input request, check result of identity verification,
The information in the bank card including the account balance and the telephone charge pool balance, the input destination telephone number, the call time, the telephone usage charge, and the information indicating the maximum available amount are controlled by the display unit 2e and displayed on the liquid crystal or CRT. It is displayed by the display 3j.

FIG. 4 shows the memory configuration of the storage area 2a in FIG. The area M1 is an area in which the call charge calculated by the CPU 2b is stored. Area M2
Is an area in which the host information obtained when online connecting to the host computer 5 is stored. Area M
An area 3 stores information stored in the bank card.

FIG. 5 shows the structure of the storage area in the bank card 1 shown in FIG. Fixed information 5-a including financial institution name (code), account number, customer name, password, telephone number and maximum charge pattern is stored in the storage unit of the bank card.
And a read-only storage area with a ROM that stores the communication protocol connected to the host computer, and a storage area that can rewrite the transaction information 5-b that increases or decreases for each transaction, including the deposit balance and the telephone charge pool balance. Set the type storage area.

[0025] The telephone charge pool balance is set when using an automatic payment deposit machine (ATM) or an automatic cash dispenser (CD).
Or use a writing machine.

6 and 7 are flow charts showing the operation of the public telephone shown in FIG.

In step f1, a coin insertion check is performed, and in step f2, a prepaid card (PC) insertion check is performed. When a coin or a prepaid card is input, normal processing is performed. When neither a coin nor a prepaid card is input, a bank card insertion check is performed (step f3), and when no bank card is input, the initial state is restored.

When the input of the bank card is confirmed, the in-bank card information is expanded in the storage area M3 (step f4). After the information in the bank card is developed, a password input request is displayed on the display (step f5), and the validity of the password input from the ten keys is checked (step f6).

Next, it is determined whether the online operation time is in operation or not (step f7).

When it is outside the online operation time, the host connection process is omitted and a call is made with the other party (step f13).

In the online operation time, step f
In accordance with the information in the bank card expanded in the storage area M3 in 4, the connection with the host computer is performed (step f
8) Then, the necessary information is stored in the storage area M2 (step f9).

The host information stored in the storage area M2 is compared with the bank card information (especially the deposit balance and the borrowed amount) stored in the storage area M3 (step f).
10) If they match, the line with the host computer is closed (step f12).

When the judgment in step f2 does not match, the latest transaction time of the bank card information and the host information is collated, and the host information or the bank card information is updated to the latest information (step f11). , The line is closed (step f12).

A call is made with the other party by inputting the telephone number (step f13), and the call charge is calculated each time.
The information is displayed on the display (step f1)
4).

When the call with the other party ends, the user is allowed to select whether to end the call as it is or to start a call with another party (step f15). When the call is finished, the total call charge is calculated and displayed (step f16), the charge is compared with the pool balance (step f17), and if the pool balance is large, the information in the bank card is rewritten (step f23). ), The bank card is ejected (step f24), and the process ends.

If the usage charge is larger than the pool balance, it is judged whether or not online connection with the host computer is possible (step f18). If online, it is determined that the host computer is connected based on the information in areas M2 and M3. The connection is established (step f19), the host information is updated (step f20), the card information is rewritten (step f23), and the process ends.

When it is outside the online operation time, the information is transferred to the external information receiving file of the host computer (step f21), the information is sucked up at regular intervals, and the center cut (C /
C) The customer information database is updated in the process (step f22).

After transferring the data to the external information receiving file,
The information in the bank card is updated (step f23), the bank card is ejected (step f24), and the process ends.

The maximum usable amount is determined by the contract between the user and the financial institution. The maximum amount of money that can be used is 1. Pooled charges 2. Pooled charges + ordinary account balance 3. Pooled charges + ordinary account balance + time deposit balance 4. No limit (overcharge is debt to financial institution) 5. There are five possible patterns of special transactions (added to the usage charge for the telephone number (home) contracted with NTT).

The pattern information is developed in the area M3 as transaction information of the bank card information, the maximum usable charge is calculated by the CPU 2b from the account information such as the pooled charge and the account balance, and the display 3e is displayed by the display unit 2e. Shall be displayed in.

[0041]

According to the present invention, a public telephone can be used by using a bank card even if the user does not have cash or a prepaid card. In addition, even a long-distance call is possible without having to worry about cash on hand. In addition, it is possible to make a call using a bank card even outside online hours.

[Brief description of drawings]

FIG. 1 is a block diagram showing the overall configuration of an embodiment of the present invention.

FIG. 2 is a block diagram showing an internal configuration of a public telephone shown in FIG.

FIG. 3 is an external view of the public telephone shown in FIG.

FIG. 4 is a diagram showing a configuration of a storage area in the public telephone shown in FIG.

5 is a diagram showing a configuration of information in a bank card of the bank card in FIG.

FIG. 6 is a flowchart showing the operation of the public telephone shown in FIG.

FIG. 7 is a flowchart showing the operation of the public telephone shown in FIG.

[Explanation of symbols]

 1 bank card 2 public telephone 3 telephone exchange 4 financial institution host computer

Claims (3)

[Claims] 1. Information for identifying a user including at least one of an identification code, a password, an account number, a customer name, and a telephone number, which is used for new registration, name change, account closure, or cancellation of a service contract. A first storage unit that stores fixed information that can be rewritten only by the processing of the counter terminal by the operator of the issuing financial institution, and at least one of a deposit balance and a telephone charge pool balance. A bank card having a second storage section for storing transaction information to be stored. 2. When using the bank card according to claim 1,
Means for reading the fixed information and expanding it in a storage area;
A public telephone having a communication means for transferring customer information and usage information to a host computer before and after the call starts. 3. Using the bank card according to claim 1 and the public telephone according to claim 2, the call charge can be settled by connecting online and withdrawing from a financial account, or the call charge can be settled. An online financial system characterized in that it is possible to select whether to pay from a pool balance stored in the storage area of a bank card.