JPH0816673A - Card with renewable limit of available amount of money and its usage - Google Patents

Abstract

PURPOSE:To provide a card, with which a user can arbitrarily set the limit of an available amount to be utilized for vending commonly to respective companies and for dispensing/paying money with a deposit account and cash and to provide a method for utilizing that card. CONSTITUTION:In order to deposit/dispense money by the use of card 1 with which the limit of an available amount is renewable, a normal POS terminal to which the read/write function of the card is added is utilized when the vending using the card with a cash/deposit depositing/dispensing device 2 is performed. At a bank, a user/remainder managing file 3 is provided the bank where money is dispensed from the card or the money where vending is performed prepares a payment demand file 4. According to payment demand destination information stored in the magnetic storage plane of the card as needed, the payment demanding file is shown and payment processing is performed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit limit rewritable card and a credit limit rewritable card use method, and in particular, a disposable card used at financial institutions and retail stores and used as a cash substitute at the time of sale. , A bank card that allows you to deposit and withdraw money from a deposit account, a specific membership card that identifies a specific user of each company, and the maximum amount of processing for using these cards. Rewritable method Card usage method.

[0002]

2. Description of the Related Art Currently, in order to increase the turnover rate of cash registers, companies issue disposable cards as a substitute for cash. The purchase price of the disposable card is recorded as sales at the time of sale of the disposable card, and it can be used only by the issuing company, the user can arbitrarily set the usage amount, and the balance of the disposable card is cashed. I can't do that.

At present, bank cards are in widespread use as means for depositing and withdrawing money from a deposit account. A bank card is a card for the purpose of depositing and withdrawing money from a deposit account, and cannot be used for sale.

At present, each company gives preferential treatment such as discount to a specific member for the purpose of fixing the customer. At this time, each company issues a specific membership card to identify the specific member. However, there are some companies that identify specific members with credit cards by partnering with some credit companies.

[0005]

Currently, there are two types of cards used for sale: a disposable card issued by each company and a credit card issued by a credit company. However, since disposable cards are issued by each company and recorded as sales at the time of sale, they can be used only by the company that purchased it, and the usage amount of the purchase card is set at the time of purchase and the user can set it arbitrarily. The usage limit cannot be increased or cashed if necessary. Further, since the credit sales card changes the sales amount to the user and issues the card and pays the fee to the company that the company sold, the credit card can be used by all companies and can be cashed. However, in the case of a credit card, verification of the host and signing work are required at the time of use, so it is not suitable for use by companies with high cash register operation rates.
Since the limit of usage is semi-infinite, it faces social problems such as bankruptcy, and it has resulted in restricting the companies and users who can use it, such as the fact that it does not reach the age group. For this reason, the user has to possess a large number of cards according to the company and purpose to be used, and a card that solves these problems has not been developed.

The present invention has been made under such circumstances, and an object of the present invention is to allow a user to arbitrarily set a usage limit amount, to change the usage limit amount as necessary, and to deposit and withdraw money from a card. It is possible to provide a reusable credit limit card and a method of use that can be shared by all companies and that creates a safe cashless era without the risk of bankruptcy.

[0007] Further, many companies issue specific membership cards for the purpose of enclosing customers. When a user obtains a specified membership card, the user can obtain many preferential treatments such as discounts at the time of sale and products according to the purchase price, so the user becomes a specified member. . However, many of the current specific membership cards are processed by the cashier's identification method using the pattern on the card, so they are issued for each company, and the companies give notices of bargain sales. At the time of enrollment, ask the user to write the name, date of birth, sex, address, telephone number, etc. on the form.
The company will have to input the contents written on the form into the computer as needed. For this reason, the user has to hold many cards depending on the company and the purpose, and the user and the company have a lot of work when joining the membership. No card or means has been developed to solve these problems.

The present invention has been made under such circumstances, and an object of the present invention is to eliminate the need to issue a card for each company and to reduce the registration work that occurs at the time of enrollment. The purpose is to provide a method of using a card with a rewritable limit.

[0009]

[Means for Solving the Problems] With the use limit rewritable card and use limit rewritable card use method of the present invention, the user can arbitrarily set the use limit amount, and deposit and withdraw as necessary. A card that can be used for cash and can be used as a substitute for cash at the time of sale, deposit processing from the deposit account and cash to the card, and withdrawal and cashing processing from the card to the deposit account Characterized in that the processing at the time of sale by the card, the payment request processing relating to the transaction amount by the card, the data reference procedure at the time of joining a specific member by the card, and the specific member identification by the card are performed. This can be achieved by configuring a credit card rewritable method card and a credit card rewritable method.

[0010]

[Function] The use limit rewritable method card and use limit rewritable method card use method of the present invention allows the use amount to be rewritten by the bank to issue an amount arbitrarily set by the user from the deposit balance and cash. The method card is deposited, and the amount of money deposited in the card is processed as a deposit for the rewritable method card. When issuing the card, the date of birth and gender of the user are stored in the card together with the issuing bank, issuing branch, and identification ID, and the user of the card is managed by the bank. When selling with the card, if the sales amount is smaller than the balance of the card, the selling company deducts the sales amount of the card from the balance, and from the card, billing address information and birth date of the issuing bank and issuing branch. , Read user's personal information by gender. By reading the user's personal information from the card, it is possible to reduce the input work of the user's age group and sex, which is currently input by the cashier. The selling company makes a payment request according to the billing address information read from the card, and the bank that receives the payment request pays the selling company on behalf of the user from the amount processed as a deposit for the rewritable credit card. . Also, since the bank issues a card with a rewritable limit of usage, the withdrawal from the card can be performed. As a result, the disposable cards issued by each company can be shared, the usage limit can be set arbitrarily by the user, and the work of checking and signing to the host does not occur, so the cashier utilization rate It can be used by expensive companies, and the limit of usage is limited, so there is no risk of bankruptcy. When using the rewritable credit card as a specified membership card, submit the card at the time of enrollment and the PIN. The company reads the payment request information of the card and requests the issuing bank and issuing branch to submit user management information based on the information. The bank will submit the registered name, date of birth, gender, address, and telephone number to the company only when the registered personal identification number and the personal identification number submitted by the company match. As a result, there is no need to issue a specific membership card issued by each company,
It is possible to reduce the registration work that occurs when joining.

[0011]

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

FIG. 1 is a block diagram showing an embodiment of a cash deposit / withdrawal process of a credit card rewritable method card and credit card rewritable card method of the present invention.

FIG. 2 is a block diagram showing an embodiment relating to the sale of the usage limit rewritable card and the usage limit rewritable card use method of the present invention and the identification of a specific member.

FIG. 3 is a block diagram showing an embodiment relating to a payment request for the usage limit rewritable card and the usage limit rewritable card use method according to the present invention.

FIG. 4 is a block diagram showing an embodiment relating to the specific member registration processing of the usage limit rewritable card and the usage limit rewritable card use method of the present invention.

FIG. 5 is a diagram showing the formats of the usage limit amount rewritable system card and the usage limit amount rewritable system card in the usage limit amount rewritable system card using method of this embodiment.

FIG. 6 is a diagram showing a format of a user and a balance management file of the usage limit rewritable card and the usage limit rewritable card in the usage limit rewritable card use method of this embodiment.

FIG. 7 manages the withdrawal from the usage limit rewritable system card and the usage limit rewritable system card using method of this embodiment and the withdrawal from the card and the payment request from the company by this card. It is a figure which shows the format of the payment request file.

FIG. 8 is a flow chart showing an example of the cash deposit / withdrawal operation from the cash deposit / withdrawal device in the use limit rewritable card and the use limit rewritable card use method of this embodiment.

FIG. 9 is a flow chart showing an example of the cash deposit / withdrawal operation from the cash deposit / withdrawal device in the usage limit rewritable card and the usage limit rewritable card use method of this embodiment.

FIG. 10 is a flow chart showing an example of the cash deposit / withdrawal operation from the cash deposit / withdrawal device in the usage limit rewritable card and the usage limit rewritable card use method of this embodiment.

FIG. 11 is a flow chart showing an example of an operation for making a decision at the time of sale and for a specific member in the usage limit rewritable card and the usage limit rewritable card use method of this embodiment.

FIG. 12 is a flow chart showing an example of the operation of making payment based on the payment request file in the usage limit rewritable card and the usage limit rewritable card usage method of this embodiment.

FIG. 13 is a flow chart showing an example of an operation at the time of admission of a specific member in the usage limit rewritable system card and the usage limit rewritable system card use method of this embodiment.

(1) Description of deposit / withdrawal processing, sales processing, and payment request processing by the use limit amount rewritable system card (hereinafter, referred to as amount variable C) 1.

Regarding the cash deposit / withdrawal processing of the variable amount C1 in FIG. 1, the variable amount C1 is a bank card and a disposable card which are currently used, and a card having both functions. A magnetic card or the like is used. By using the cash deposit / withdrawal device 2 with the variable amount C1, the variable amount C1 can perform a deposit process to the variable amount C1 and a withdrawal process from the variable amount C1. The cash deposit / withdrawal device 2 with the variable amount C1 is an automatic cash deposit / withdrawal device currently installed in a bank or the like, to which a reading / writing device and a deposit / withdrawal process of the variable amount C1 are added. The variable amount C1 is issued by the bank, and payment by sales is made by the bank instead of the user. Therefore, the user and the balance for managing the user and the balance of the variable amount C1 issued by the own bank are issued. Each bank holds the management file 3. Further, like a bank card, it has a payment request file 4 for managing the payment request of the withdrawal amount by the variable amount C1 issued by another bank in order to carry out the deposit / withdrawal process from another bank.

The deposit process to the variable amount C1 is as described below. When the amount-variable C1 is used for the first time, since no information including the usage limit amount (balance 13) is stored in the magnetic storage surface, the deposit / withdrawal device 2 with the amount-variable C1 deposits money. It is necessary to process and set the usage limit. At this time, if nothing is stored on the magnetic storage surface, the user and balance management file 3 is created. When depositing in the variable amount C1, either a deposit account or cash can be selected. The amount of money deposited is variable C
Since the issuing bank 8 and issuing branch 9 of 1 manage, the deposit amount must be paid to the issuing bank 8 and issuing branch 9 when the deposit is made by the variable amount C1 issued by another bank. Like the bank card, it is necessary to connect to the host machines of the issuing bank 8 and the issuing branch office 9 and update the user and balance management file 3 as needed.

The withdrawal process from the variable amount C1 is as described below. Withdrawal processing from the variable amount C1 can be performed from the cash deposit / withdrawal device 2 with the variable amount C1. With respect to the withdrawal method, withdrawal to a deposit account or withdrawal in cash can be selected. At this time, the deposit account of the withdrawal destination is not limited to the deposit account 10 that made the deposit. When the withdrawal process is performed by the variable amount C1, the payment request file 4 is created, and if necessary, the payment request file 4 is issued by the issuing bank 8 of the variable amount C1,
Since it is submitted to the issuing branch office 9 and the withdrawal amount is paid, it is not necessary to connect to the host machine to perform the withdrawal process.
Alternatively, the processing may be performed by connecting to the host machine and exchanging the payment request file 4 at any time.

Regarding the sales process of the variable amount C1 of FIG. 2, in order for a company to use the variable amount C1 for sale,
1 requires the POS terminal 5. The POS terminal 5 using the variable amount C1 is a POS terminal or cashier terminal currently used by each company for settlement of sales, to which a reading / writing device and processing means of the variable amount C1 are added. The variable amount C1 can also be used for a specific membership card that is managed and issued by each company at present. When a company uses the variable amount C1 as a specific membership card, a specific member management file 6 for managing specific members is used. Need to own.

The sale processing by the variable amount C1 is as described below. When the user desires to pay by the variable amount C1 at the time of sale, the balance 13 of the variable amount C1 is read from the POS terminal 5 by the variable amount C1, the sales amount is deducted from the balance 13, and the balance 13 of the variable amount C1 is rewritten. Also, the payment request file 4 for the sales amount is created for the bank. At this time, the payment request file 4 may be created in the host machine like the company A in the figure or may be created for each POS terminal 5 with the variable amount C1 like the company Z. Further, the variable amount C1 has a number unique to each card (payment address information 12), and the unique number stored in the variable amount C1 of a specific member (payment address information 1).
By storing 2) in the specific member management file 6, the payment requestee information 12 of the amount variable C1 used for sale 12
Is registered in the specific member management file 6, it is determined to be a specific member, and member preferential processing such as discounting is performed.

With respect to the payment request processing of the variable amount C1 of FIG. 3, the bank performs all the payment processing relating to the usage amount of the variable amount C1. Therefore, each company and each bank issue the payment request file 4 to the issuing bank 8 of the variable amount C1, The payment request file 4 is submitted according to the issuing branch 9. The bank that receives the payment request file 4 pays from the amount deposited at the time of the deposit process to the variable amount C1 according to the payment request file 4. Also, the balance 25 of the user and the balance management file 3 is withdrawn and rewritten.

(2) Description of specific member registration processing using the variable amount C1.

Regarding the specific member registration process by the variable amount C1 of FIG. 4, the input terminal 7 for the specific member registration process does not have to be provided with the reading device of the variable amount C1. In this embodiment, the format of the input terminal 7 is not limited. In other words, the input terminal 7 is attached with a reading device of variable forehead C1,
In addition, if the connection with the host machine of the bank is possible, the variable amount C
There is no problem even with the POS terminal 5 of 1.

As described above, the variable amount C1 has a card-specific number (payment address information 12), and the variable amount C1 is issued from the payment address information 12 read by the input terminal 7. Amount variable C for bank 8 and issuing branch 9
Request the reference of the user management information 134 of No. 1. On this occasion,
The personal identification number 24 is submitted by the user and submitted together with the billing destination information 12 to the bank. User management information 1
The bank receiving the reference request 34 refers to the user and balance management file 3 based on the billing destination information 12, and only when the personal identification number 24 matches, the bank that has requested the user management information 134 Publish. Each company sets in the specific member management file 6 necessary information from the payment request information 12 of the variable amount C1 and the user management information 134 acquired from the bank, and the information required by the company.

(3) Description of deposit processing to the variable amount C1.

The cash deposit / withdrawal device 2 with the variable amount C1 is a variable amount C in addition to the ordinary automatic cash deposit / withdrawal device such as deposit (deposit), withdrawal (payment), transfer, and bookkeeping by a bank card.
It has a deposit and withdrawal function. 8, 9 and 10 are flow charts showing an example of the cash deposit / withdrawal operation from the cash deposit / withdrawal device 2 in the usage limit rewritable card and the usage limit rewritable card use method of the present embodiment. Is.

First, from the transaction type process selection instruction 35, a cash card deposit (deposit) from the cash deposit / withdrawal device 2 by the amount variable C1, a bank card withdrawal (payment), a transfer,
The entry, the deposit to the variable amount C1 and the withdrawal from the variable amount C1 are selected (step 35). There is key input (step 3)
In the case of 6), it is determined what has been selected from the above processing. When the deposit to the deposit account by the bank card (step 37) is selected, the deposit processing (step 38) similar to the present automatic cash deposit / withdrawal device is performed. When the withdrawal from the deposit account by the bank card (step 39) is selected, the same withdrawal process (step 40) as the present automatic cash deposit / withdrawal device is performed. Passbook entry (step 41)
When is selected, the same bookkeeping process as that of the automatic cash deposit / withdrawal device is performed (step 42). When the deposit to the variable amount C1 (step 43) is selected, an instruction to insert the variable amount C1 (step 45) is issued, and the deposit method is selected from the deposit method to the variable amount C1 (step 46).
Or select cash payment. When the deposit from the deposit account is selected (step 47), a bank card insertion instruction and a personal identification number input instruction (step 48) are performed. As is well known, a bank card is a card possessed by a person who has a qualification for banking transactions to represent the qualification,
Generally, a magnetic card is used. On the magnetic storage surface or storage location of this bank card, a code indicating a bank card, an issued bank name / branch name code, a deposit account owned by the owner, and a personal identification number are magnetically stored. Read the above information of the inserted bank card (step 4
9) The user inputs a deposit amount (step 50). Further, when the cash depositing is instructed, the cash depositing / withdrawing device 2 with the variable amount C1 for inserting the cash (step 51) also has a cash slot similarly to the automatic cash deposit / withdrawal device. Then, it is judged whether or not the bill inserted from the insertion slot is cash and the amount of money is calculated (step 52), and an instruction to confirm the amount of money to be deposited in the variable amount C1 is given (step 53). Next, the variable amount C1 inserted by the variable amount C1 insertion instruction (step 45) is read (step 54).

A magnetic card is used as the variable amount C1, and the issuing bank 8, issuing branch 9, deposit account 10, identification ID 11 and balance 13, and user are used as the payment request information 12 on the magnetic storage surface as shown in FIG. Date of birth as personal information 16
Gender 15 is stored. If the payment request destination information 12 is not set in the read amount variable C1 (step 55), the user management information 134 is input (step 56).
The user management information 134 to be input is the name 19, date of birth 20, gender 21, address 22, telephone number 23, and personal identification number 24 according to the user and balance management file 3. Since this information is managed by the host machine of the bank, the amount C
Payment deposit / withdrawal device 2 according to No. 1 and payment request information 1
A setting of 2 is requested (step 57). Next, it is judged whether the deposit is cash (step 58). In the case of cash payment, the code of the own bank is set according to the magnetic storage surface of the bank card (step 61). In the case of depositing from a deposit account, withdrawal processing similar to that of a normal bank card (step 59) is performed. When the withdrawal process ends normally (step 60) (there is no mistake in the personal identification number, the amount variable C1
If the deposit account has a balance equal to or more than the deposit amount, then the user and the bank holding the balance management file 3 are determined from the payment request destination information 12 of the variable amount C1. This is to rewrite the balance 25 in the user and balance management file 3. First, the issuing bank 8 and issuing branch 9 of the payment request information 12 are the own bank, and if it is the own branch, it is judged as the host machine of the own bank (step 62), and then the issuing bank 8 and the issuing branch of the payment request information 12 If 9 is another bank or branch, it is determined to be a host machine of another bank or branch (step 63). In other cases, the billing destination information 12 is not registered, that is, the inserted amount variable C1 is used for the first time. In this case, the issuer of the bank card is determined to be the host machine (step 64). Even if the amount of money is deposited into the variable amount C1 by cash, there is no problem because the code of the own bank is set according to the magnetic storage surface of the bank card (step 61). In the case where the user management information 134 is set by the user management information 134 input instruction (step 56) in addition to the data of the bank card and the data of the variable amount C1 for the host machine determined by the above method Transmits the setting contents (step 65). The following processing is processing by the host machine (indicated by a dotted line in the figure). Each host machine first judges whether or not the billing destination information 12 setting request (step 57) is processed (step 66). When the billing destination information 12 setting request (step 57) is processed, the identification ID 11 is numbered, and the issuing bank 8, issuing branch 9, and deposit account 10 are processed.
Is transmitted to the cash deposit / withdrawal device 2 with the variable amount C1, and the cash deposit / withdrawal device 2 receives the payment requesting party information 12 (step 67). Next, at the host machine, the bank can change the amount C
The user 1 and the balance management file 3 are added with the deposit amount and rewritten (step 68). At this time, when the user management information 134 transmitted from the cash deposit / withdrawal device 2 is present, at the same time, the deposit account 17 and the identification ID 18 assigned in the identification ID 11 numbering (step 67) are set and written. Next, it is judged whether the transmitted bank card is the own bank or the own branch (step 69). In the case of another bank or branch, as in the case where the withdrawal process is performed with the bank card issued by the other bank or branch in the automatic cash deposit / withdrawal device, the payment of the deposit amount to the variable amount C1 is requested. A process (step 70) is performed. Next, since the amount of money deposited into the variable amount C1 is treated as a deposit for variable amount C1 at the bank, deposit processing for the variable amount C1 deposit (step 71) is performed. (Processing in Cash Deposit / Withdrawal Device 2 with Amount Variable C1) The cash deposit / withdrawal device 2 with the variable amount C1 rewrites the deposit amount variable C1 to the balance 13 of the variable amount C1 (step 73). At this time, a request for setting billing address information 12 is made to the host machine (step 5).
When 7) is performed, the date of birth 14 and the gender 15 are used from the payment request information 12 received from the host machine and the user management information 134 input from the user management information 134 input instruction (step 56). The personal information 16 is set and written. Next, the bank card and variable amount C1 are returned and a receipt is issued (step 72). When both the bank card and variable amount C1 are withdrawn (step 74), the deposit processing to the variable amount C1 is completed. In addition, variable amount C from the deposit account
If the withdrawal process from the deposit account is not performed normally when depositing money into step 1 (step 60), the reason why the process is interrupted is displayed (the password is invalid, the balance is variable amount C1). The amount is smaller than the amount (step 75), the bank card and the variable amount C1 are returned (step 76), and the bank card and the variable amount C1 are removed (step 7).
At the time of 7), the deposit processing to the variable amount C1 is completed. It is needless to say that only the variable amount C1 is returned when the variable amount C1 is paid by cash.

(4) Description of withdrawal processing from the variable amount C1.

When the withdrawal from the variable amount C1 (step 44) is selected, an instruction to insert the variable amount C1 (step 7)
8) is performed, and the billing party information 12 and the balance 13 are read from the magnetic storage surface of the inserted amount variable C1 (step 7).
9) Then, the withdrawal method instruction from the variable amount C1 (step 80) to the variable amount C1 handling deposit account (issuing bank 8, issuing branch 9, deposit account 10), deposit account other than variable amount C1 handling Withdrawal to cash, withdrawal in cash is selected. From the variable amount C1 read at that time, the handling deposit account (issue bank 8,
The issuing branch 9 and the deposit account 10) are displayed. If a withdrawal other than cash is selected from the variable amount C1 (step 81), and withdrawal to a deposit account other than the variable amount C1 handling deposit account is selected (step 82), the bank, branch or deposit account in which the deposit is to be made A deposit instruction (step 83) is issued. Next, an instruction to input the withdrawal amount from the variable amount C1 (step 84) is performed, and the input withdrawal amount is compared with the balance 13 of the variable amount C1 read (step 85). If it is smaller, the withdrawal amount is written from the balance 13 of the variable amount C1 into the variable amount C1 (step 86), the variable amount C1 is returned and the receipt is issued (step 87), and when the variable amount C1 is removed. (Step 88) If cash withdrawal (Step 89) is selected, the amount of money to be withdrawn from the banknote slot of the cash deposit / withdrawal apparatus 2 by the variable amount C1 as in the automatic cash deposit / withdrawal apparatus. Discharge (step 90)
I do. Then, the payment request file 4 is created from the read information of the variable amount C1 (step 91). The payment request file 4 is a file for selling at a company and requesting payment of withdrawal from the variable amount C1. The issuing bank 26 is set to the issuing bank 8 on the magnetic storage surface of the variable amount C1 and the issuing branch office 27 is set. The issuing branch 9 is set, and the deposit account 28 is the deposit account 10.
The identification ID 29 is set to the identification ID 11, and the billing amount 30 is set to the withdrawal amount in the case of withdrawal from the variable amount C1. Payment method 31 sets a flag to identify payment in cash or payment to a deposit account. In the case of withdrawal from the cash deposit / withdrawal device 2 by the variable amount C1, both payment with cash and withdrawal to the deposit account are set to be paid to the deposit account. In the transfer bank 32, the paid bank name is set in the case of cash withdrawal from the variable amount C1 and the transfer destination bank name is set in the case of payment to the deposit account. In the case of cash withdrawal, the transfer branch 33 sets the name of the branch that paid the cash, and the transfer account 34 sets the deposit account of the transfer destination.
This payment request file 4 is paid by submitting information to the payment requesting bank (issuing bank 26) and branch (issuing branch 27) as necessary. The withdrawal amount is variable C
If the balance 13 is larger than 1, the error message is displayed (step 92), the variable amount C1 is returned (step 93), and the variable amount C1 is withdrawn from the cash deposit / withdrawal device 2 (step 94). Then, the withdrawal process by the variable amount C1 is completed.

(5) Explanation of sales by the variable amount C1 and identification of a specific member.

FIG. 11 is a flow chart showing an example of an operation for making a decision at the time of sale and for a specific member in the usage limit rewritable card and the usage limit rewritable card use method of this embodiment.

First, as in the case of a normal POS terminal, the sales amount is settled (step 95) and an instruction for inserting the variable amount C1 is given (step 96). If the variable amount C1 is not inserted (step 97), it is determined that the payment is made by cash, credit card or the like, and the same payment processing as that of a normal POS system is performed (step 99). When the variable amount C1 is inserted (step 97), the variable amount C1 is read (step 98). If the company uses the variable amount C1 as a specific member card, it is judged whether or not the read billing destination information 12 is registered as the specific member management file 6 (step 100), and the member is registered as a specific member. If so, the preferential treatment (step 101) given to the specific member by the company is performed. Next, the sales amount is compared with the balance 13 recorded in the variable amount C1 (step 102). If the sales amount is larger than the balance 13, the error message and the balance 13 of the variable amount C1 are displayed as the salable amount (step 102). 104) and at the same time, input an instruction (step 105) whether to pay the salable amount by the variable amount C1 or pay all the selling amount by means other than the variable amount C1 and pay only the salable amount by the variable amount C1. In this case, only the salable amount is withdrawn from the balance 13 (step 107), and payment processing of cash or credit card is performed (step 108) as in the case of a normal POS. Also, when paying with a value other than the total amount variable C1, payment processing for cash or credit card is similarly performed (step 106). When the balance 13 is equal to or more than the sales amount (step 102), it is determined that the entire sales amount is the sale from the variable amount C1, and the sales amount is deducted from the balance 13 (step 103). Next, the balance 13 is updated, the storage area of the variable amount C1 is rewritten (step 109), and the payment request management file 4 is created based on the payment request destination information 12 of the variable amount C1 (step 110). After that variable amount C
1 is returned and a receipt is issued (step 111),
The process ends when the variable amount C1 is removed (step 112). Further, by using the user personal information 16 of the variable amount C1 read in this processing, it is possible to reduce the input of the age group, sex, etc. of the seller currently input by the cashier in charge from the POS terminal.

(6) Description of payment processing using variable amount C1.

FIG. 12 is a flow chart showing an example of an operation of making payment based on the payment request file 4 in the usage limit rewritable system card and the usage limit rewritable system card usage method of this embodiment.

This is a process on the side of the bank which has submitted a request for withdrawal from another bank or another branch with the variable amount C1 and sales price at each company. Payment request file 4 to other banks,
The bank that received from each company, first the payment request file 4
(Step 113), the amount variable C is read from the deposit account 28 and the identification ID 29 of the read payment request file 4.
The user 1 and the balance management file 3 of 1 are searched and read (step 115), and the billing amount 30 is deducted from the balance 25 of the user and the balance management file 3 of the variable amount C1 (step 116). At this time, if the balance 25 becomes negative (step 117), the illegal payment information is displayed (step 118), and the process is exited. When the balance 25 is plus or zero, the user and the balance management file 3 are written (step 119). Next payment request file 4
Based on the payment method 31 of No. 1, determine whether the claimant wants to pay by cash or transfer to a deposit account (step 120), and if paying by cash is paid out in cash (step 121), deposit If the customer wishes to transfer money to an account, he / she performs an account transfer process (step 122) which is currently performed at the bank. Then return to the beginning and request payment file 4
Is read (step 113), and if the payment request file 4 is completed (step 114), the processing relating to the payment request by the amount variable C1 is ended.

(7) Explanation of registration of a specific member by using the variable amount C1.

FIG. 13 is a flow chart showing an example of an operation at the time of joining a specific member in the usage limit rewritable system card and the usage limit rewritable system card use method of this embodiment.

First, an instruction to insert a variable amount C1 of a person who wants to join a specific member is given (step 123), and then an instruction to input the personal identification number 24 is given (step 124). Next, the inserted amount variable C1 is read (step 125), and the bank and branch that manage the user and balance management file 3 are determined from the issuing bank 8 and the issuing branch 9 of the read payment request information 12 and user management is performed. A reference request for the information 134 is transmitted (step 126), and the following processing is processing by the host machine (indicated by a dotted line in the figure). The bank that received the reference request for the user management information 134 received the deposit account 10 and the identification ID 11
The user of the variable amount C1 and the balance management file 3 are read from (step 127), and the received personal identification number (the number input by the personal identification number input instruction of step 124) and the read personal identification number 24 are compared ( Step 12
8) Determine whether it is possible to refer to the user management information 134.
If reference is possible, the user management information 134 is received (step 130), and each company receives the received user management information 13
4 is registered in the specific member management file 6 for each company (step 131). Then return the variable amount C1 (Step 1
34) is performed, and when the variable amount C1 is removed (step 133), the registration process of the specific member using the variable amount C1 is ended. In addition, the personal identification number submitted by the user of the variable amount C1 (the number input by the personal identification number input instruction in step 124) matches the user of the variable amount C1 and the personal identification number 24 registered in the balance management file 3. If not (step 128), an error message is displayed (step 129) and the variable amount C1 is returned (step 132). Since the payment request information 12 of variable amount C1 is always registered in the specific member management file 6, if the payment request information 12 of variable amount C1 read at the time of sale is registered in the specific member management file 6, use Can be determined to be a specific member.

[0050]

As described above, the use limit rewritable card and use limit rewritable card use method of the present invention allow the user to arbitrarily set the use limit amount and also issue it by the bank. Since it is a card that can be used for sale, it can be used by an unspecified number of companies, and unlike ordinary disposable cards, the company does not pay the fee in advance, so the user can deposit and withdraw freely. Also has the effect that the usage limit can be rewritten. In addition, since there is no need to check the host machine at the time of sale, processing such as signing, and the amount of use is limited, it can be used by companies with a high cash register operation rate and can be used by low-aged people. Have. In addition, the stored information of the card is used to judge the specific member, and the necessary information at the time of enrollment simply submits a reference request to the bank. It has the effect that it can be reduced.

[Brief description of drawings]

FIG. 1 is a block diagram showing an embodiment of a cash deposit / withdrawal process of a usage limit rewritable system card and a usage limit rewritable card use method of the present invention.

FIG. 2 is a block diagram showing an embodiment relating to the sale of the usage limit rewritable card and the usage limit rewritable card use method of the present invention and the identification of a specific member.

FIG. 3 is a block diagram showing an embodiment relating to a billing request for the usage limit rewritable card and the usage limit rewritable card use method according to the present invention.

FIG. 4 is a block diagram showing an embodiment relating to specific member registration processing of the usage limit rewritable card and the usage limit rewritable card use method of the present invention.

FIG. 5 is a diagram showing a format of a usage limit rewritable system card and a usage limit rewritable system card in a usage limit rewritable system card usage method of the present embodiment.

FIG. 6 is a diagram showing a format of a user and a balance management file of a usage limit rewritable system card and a usage limit rewritable system card in the usage limit rewritable system card usage method of the present embodiment.

[FIG. 7] Credit limit rewritable method card and credit limit rewritable method card of the present embodiment of the present invention credit limit rewritable method Card withdrawal and payment for managing payment requests from companies by this card It is a figure which shows the format of a billing file.

FIG. 8 is a flow chart showing an example of an operation of cash deposit / withdrawal from the cash deposit / withdrawal device in the use limit rewritable card and the use limit rewritable card use method of the present embodiment.

FIG. 9 is a flow chart showing an example of the cash deposit / withdrawal operation from the cash deposit / withdrawal device in the usage limit rewritable system card and the usage limit rewritable system card use method of the present embodiment.

FIG. 10 is a flow chart showing an example of the cash deposit / withdrawal operation from the cash deposit / withdrawal device in the use limit rewritable card and the use limit rewritable card use method of the present embodiment.

FIG. 11 is a flow chart showing an example of an operation of making a decision at the time of sale and of a specific member in the usage limit rewritable card and the usage limit rewritable card use method of the present embodiment.

FIG. 12 is a flow chart showing an example of an operation of making payment based on a payment request file in the usage limit rewritable system card and the usage limit rewritable system card usage method of the present embodiment.

FIG. 13 is a flow chart showing an example of an operation at the time of joining a specific member in the usage limit rewritable system card and the usage limit rewritable system card usage method of the present embodiment.

[Explanation of symbols]

 1 Reusable credit card (variable amount C) 2 Cash deposit / withdrawal device 3 User and balance management file 4 Payment request file 5 POS terminal 6 Specified member management file 7 Input terminal

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G06F 15/30 360

Claims (4)

[Claims] 1. An issuing bank, a branch, a deposit account, and a credit limit rewritable method card that holds balance information; and a deposit account and cash deposit processing for the use limit rewritable card. A use limit rewritable method card and a use limit rewritable method card utilization method, characterized in that processing of withdrawal from the card to a deposit account and processing of cashing are performed. 2. A usage limit rewritable method card and a usage limit rewritable method card using method, wherein the balance information of the usage limit rewritable method card according to claim 1 is set as a limit amount. . 3. The usage limit rewritable method according to claim 1 or 2, wherein the processing at the time of sale by the card and the payment request processing relating to the transaction amount are performed. Card and credit limit rewritable method Card usage method. 4. The usage limit rewritable method according to claim 1 and claim 2, wherein a data reference procedure at the time of joining a specific member by a card and a usage limit rewritable method characterized by performing a specific member identification Card and card usage limit rewritable card usage method.