JPH10143725A - Electronic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To omit the troublesome input of a password number for a transaction of a small amount by storing the transaction limit amount information in a customer card, permitting immediately the settlement of accounts when the transaction settlement amount is smaller than time transaction limit amount, and then permitting the settlement of accounts after the customer is identified by his password number when the transaction settlement amount is larger than the transaction limit amount. SOLUTION: The transaction amount of this time is added to the transaction amount total information (S15) and compared with the transaction limit amount information (S16). When the added amount is larger than the transaction limit amount, a customer A is requested by a retail store owner B to input his password number. When the customer A inputs his password number (S18), the number is collated with a stored password number (S19). If the added amount is smaller than the transaction limit mount, the transaction amount total information is updated to an amount decided with addition of the transaction amount total information (S23). When it's decided that a transaction is possible with use of a customer card, the display is performed for confirmation and the customer's operation is guided. When the owner B confirms the transaction (S26), the relevant commodity is given to the customer A and the customer A pulls out his card (S28).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of depositing money in a financial institution such as a bank, storing a value corresponding to the currency in an IC (integrated circuit) card as electronic money, and paying for a commercial transaction such as purchase of a product. Withdrawal from electronic money stored in an IC card for payment.

[0002]

2. Description of the Related Art There is a technique disclosed in Japanese Patent Publication No. Hei 7-104891 regarding this type of payment by electronic money. This is to subtract the settlement amount from the balance of funds recorded on the customer's IC card and transfer the settlement amount directly to the retail store's IC card. The latest balance of funds is always recorded on the retail store's IC card. In some cases, it is not necessary to bring a transaction record to a financial institution to convert the transaction into cash, thereby reducing the cost of handling cash such as cash and change accounts at retail stores and financial institutions, and eliminating paperwork associated therewith. Since the balance information of the customer IC card is an electronic currency, it has the same function as cash. In other words, accidental loss of the customer IC card is the same as losing the currency, and damages cannot be guaranteed for the balance of funds in the customer IC card, making it unsuitable for high-value transactions. Suitable for small transactions. Further, in order to enable high-value transactions, the customer was required to input a personal identification number at the time of payment settlement to identify and identify the customer, and then allowed the settlement.

[0003]

If the balance information of the customer's IC card is mistakenly lost because it is an electronic currency, the money in the customer's IC card is used by a malicious finder. Can be considered. Even if electronic money is used by a stolen or malicious locator, damages are not guaranteed, so personal identification may be performed at the time of payment using a personal identification number, etc. The operation is necessary and troublesome for the customer, and it is very troublesome especially for small-lot (small amount) transactions. Furthermore, with electronic money set up exclusively for small-lot (small-amount) transactions, a sudden increase in the number of transactions requires the replenishment of funds in a short period of time, which is an obstacle to the spread of payment by electronic money. Was.

[0004]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention relates to a customer card which stores a personal identification number and an amount of electronic money as balance information, and enables the stored balance information to be updated. In an electronic transaction system that identifies a customer from a PIN stored in the system and performs transaction settlement with stored electronic money, the transaction limit information is stored in the customer card and the transaction settlement amount is less than the transaction limit. In some cases, settlement is enabled immediately, and when the transaction settlement amount is equal to or greater than the transaction limit, settlement is possible after identification of the customer by a password.

[0005] Further, transaction amount total information obtained by adding and adding past transaction settlement amounts is stored in the customer card, and as a result of adding the settlement amount to the transaction amount total during transaction settlement,
If it is less than the transaction limit, you can settle it immediately,
If the total transaction amount is equal to or greater than the transaction limit, settlement is possible after identification of the customer by the password. Further, the transaction limit information in the customer card can be updated using the home terminal.

[0006]

Embodiments of the present invention will be described below. 1 and 2 are flowcharts of the electronic transaction according to the present invention. FIG. 3 is an explanatory diagram showing the concept of the electronic transaction in the retail store according to the present invention. FIG. 4 is a control block diagram of the retail store system. FIG. 3 is an explanatory diagram of a terminal. Reference numeral 1 denotes a retail store vending machine, which is operated by a retail store owner (including a clerk) B, is connected to the customer terminal 2, and the host device 3 controls transactions. Reference numeral 4 denotes a customer IC (integrated circuit) card (hereinafter referred to as a customer card), and reference numeral 5 denotes a retail store IC.
Card (hereinafter referred to as a retail card).

[0007] Reference numeral 11 denotes an IC card reader / writer (hereinafter referred to as a card R / R) having a function of reading and writing stored information from the retail store card 5 inserted by the retail store owner B.
12 is a ROM (Read Only Memory).
And a storage unit constituted by a RAM (Random Access Memory) or the like. Reference numeral 13 denotes an operation unit for inputting necessary information such as input of a price of a product to be sold. The operation unit 13
May be connected to an optical reader for reading a barcode or the like from a label or tag attached to a product.
Reference numeral 14 denotes a display unit for displaying a commodity price, a total purchase price, and the like input from the operation unit 13, and 15 is a main control for performing hardware control of the retail vending machine 1 and hardware control of the customer terminal 2. Department.

Reference numeral 21 denotes an IC card reader / writer unit (hereinafter, referred to as a card R / W unit) having a function of reading and writing stored information from the customer card 4 inserted by the customer A. Accept the card. Reference numeral 22 denotes an operation unit for inputting necessary information such as input of a personal identification number by a customer and confirmation input of a total amount of payment, etc., and is constituted by numeric keys, "cash", "cancel", and "confirm" buttons. . Reference numeral 23 denotes a display unit.
, And information such as a customer guidance display and a total amount of payment to be operated. Note that FIG. 6 shows a display example. The host device 3 has a function of storing and managing the sales management of the product, the product information and the accident card information (for example, when there is a report of loss).

Next, the customer card 4 shown in FIG. 7 will be described. The same configuration is applied to the retail store card 5,
It has a function and has physical characteristics and electric characteristics and a communication protocol that conform to international standards and the like. FIG.
5A, reference numeral 6 denotes a magnetic stripe which magnetically records customer-specific data such as the code of the financial institution and the name and account number of the customer A. In the magnetic recording data, the customer card 4 includes an IC. A code indicating that the card is an (integrated circuit) card is also stored. The magnetic stripe 6 can be made inconspicuous in appearance as a form of a so-called overprint card on which a pattern or the like can be printed on the stripe.

Reference numeral 7 denotes an emboss area, which is provided for embossing convex codes such as the code of the financial institution and the name and account number of the customer A in the same manner as the magnetic stripe 6. "0123" as the code,
“101010” is described as the business office number, “45667890” is described as the account number, and the customer name is “XX Jiro”.

Reference numeral 8 denotes an IC (integrated circuit) chip embedded at a position determined by the above-mentioned international standard on the card base material, and from a terminal portion (pad) 8a exposed on the surface via a card R / W portion 21. Signals are sent and received.
As shown in FIG. 7B, the IC (integrated circuit) chip 8 performs various processing including information that does not require rewriting, such as communication control and command processing, and control software for performing a transaction by a home terminal described later. R where the program was written
OM (Read Only Memory) 8b, an R which temporarily stores a data buffer, a control program, and transaction contents during communication.
AM (Random Access Memory) 8c, and E which is a nonvolatile memory capable of electrically erasing and rewriting stored information
EPROM (Electrically Erasable and Programmable
(ROM) 8d to store transaction data. And
A microprocessor (MPU) 8e controls reading and writing of each of these memories. Also, 8
f is a data bus.

In FIG. 7B, a terminal 8a, a ROM 8b,
Although the RAM 8c, the EEPROM 8d, the MPU 8e, and the data bus 8f are described in a plan view, they are integrated ICs.
(Integrated circuit) The chip is embedded in the card base as a chip, and does not mean that it is formed in the magnetic stripe 6 or the embossed area 7.

Next, the data stored in the customer card 4 will be described with reference to a data format shown in FIG. Reference numeral 10a denotes customer account information magnetically recorded also on the magnetic stripe 6, and includes data of a financial institution code, the number of a branch office opened at the financial institution, a deposit item, a customer account number, and a customer name.

Reference numeral 10b denotes a personal identification number as customer identification information for identifying the customer A, which is recorded in advance with several digits of alphanumeric characters when the customer card 4 is issued. This is storage data for collation. 10
c is transaction limit information indicating the upper limit of one transaction settlement, and is amount data in which a customer has previously declared a predetermined amount when a customer card is issued.

Reference numeral 10d denotes fund balance information stored in the customer card 4 as electronic money. When a payment operation is performed by a commercial transaction such as purchase of a product, the electronic money balance 10d is reduced (updated). Become. Reference numeral 10e denotes total transaction amount information, which indicates the total amount of payments made in the past when a payment transaction was made a plurality of times without inputting a password, and is related to the total amount when the payment transaction is performed by inputting a password. It is controlled by the MPU 8e so that it is cleared and the total amount becomes "0" (zero).

Further, there is transaction history information 10f which is a data area capable of storing transaction date and time, amount, and the like. When transaction settlement is performed, the transaction history information 10f is sequentially stored, and a predetermined number (for example, about 30 transactions) is stored. Then, the transaction information area at the front is erased, and the transaction history information is stored in the recording area.

<Electronic Transaction at Retail Store> A flow in the case where the customer A pays by electronic money at the time of purchasing a product at a retail store will be described with reference to flowcharts of the electronic transaction shown in FIGS. In the drawing, S represents a step. When the customer A selects a product desired to be purchased (S1), and indicates the product to the retail store owner B and declares "pay with electronic money" (S2), the retail store owner B
Inserts the retail store card 5 into the card R / W section 11. Subsequently, the retail store owner B inputs the assigned clerk code from the operation unit 13 in advance for each processor (S3). Further, when the retailer B inputs the price of the product, that is, the transaction amount and the quantity, the transaction item, the quantity, and the total transaction amount are displayed on the display unit 14 of the retailer vending machine 1, and the display unit 23 of the customer terminal 2. Similarly, the total transaction amount is displayed (S4). Next, "Please insert a card" is displayed on the display unit 23 of the customer terminal 2 and requests the customer A to insert the customer card 4 (S5). It is inserted into the R / W unit 21 (S6).

On the other hand, the retail store card 5 inserted in the card R / W section 11 is physically and electrically connected to the terminal section 8a of the IC chip 8, and then given a voltage / clock in a predetermined order. Then, a mutual check (Answer To Reset) between the retail store vending machine 1 and the retail store card 5 is performed, and it is confirmed that the partner is a tradeable partner. After the confirmation, the other information stored in the retail store card 5 is read.

In response to the request for inserting the customer card 4 in step S5, the terminal 8a of the customer card 4 inserted into the card R / W unit 21 is also supplied with a voltage / clock in a predetermined order in the same manner as described above. Reading is performed (S7). Subsequently, a mutual check is performed with the retailer vending machine 1 by a predetermined communication protocol, and when the validity of the card is confirmed, it is confirmed that the card can be traded by the customer account information 10a shown in FIG. 8 (S8).

Next, it is checked whether or not the transaction refusal information is stored and registered in the host device 3 with respect to the account number and the like, and if it is confirmed that the customer card 4 is permitted to perform the transaction, the process proceeds to step S7. Is stored in the storage unit 12 (S9). If the validity cannot be confirmed in step S8, the transaction with the electronic money is stopped and the transaction is shifted to a cash transaction or the like (S10).

The entered transaction amount is compared with the electronic money balance information 10d read from the customer card 4 (S11). If the transaction amount is within the electronic money balance, the process proceeds to the next step. If the balance is equal to or more than the electronic money balance, "exceeding the balance amount" is displayed on the display unit 23, and a selection confirmation input is requested (S12). The customer A presses the "cash" button (S13), and a report is sent to the retail shopkeeper B, such as stopping the transaction or paying the shortage in cash. The result of the correction input of the transaction amount and the like by the retail shop owner B based on the report from the customer A is displayed, for example, as shown in FIG. If the transaction amount is within the electronic money balance, the process proceeds to the next step. If the customer A presses the "cancel" button in step S13, the transaction with electronic money is stopped, and the entire amount is shifted to a transaction with cash or the like (S14).

If it is determined in step S11 that the transaction is within the electronic money balance and that the transaction is possible, the current transaction amount is added to the transaction total information 10e (S15), and is compared with the transaction limit information 10c (S16). ). If the amount of the addition processing exceeds the transaction limit information 10c, FIG.
"Exceeding the transaction limit" is displayed as in the display example shown in (b). The customer A presses the "confirmation" button if he or she accepts the guidance from the retail shop owner B, for example, "When entering into a transaction, a password must be entered."
When the "confirmation" button is pressed, "Please input a password" is displayed as in the display example shown in FIG. 6C (S17). (S18), the password 10 stored in the storage unit 12
The comparison with b is performed (S19). If the passwords match, the process proceeds to the next step, where the transaction amount total information 10e is cleared and updated to "0" (zero) yen (S2).
0).

If the passwords do not match in the collation in step S19, a message "Please input the password again" is displayed on the screen to prompt the user to input again. If the password cannot be confirmed even after the re-entry has been performed a predetermined number of times (S21), a message such as "I cannot do business because the password is different" is displayed and the transaction is stopped (S2).
2).

If it is determined in step S16 that the value is equal to or less than the predetermined transaction limit, the transaction amount total information 10e is updated to the amount added in step S15 (S23).

As described above, when it is determined that the transaction using the customer card 4 is possible, the display section 23 displays "Please confirm the amount of payment, and press the confirmation button if you like" and guide the customer operation. Do.

When the confirmation operation is performed by the customer A and the signal is input from the customer terminal 2, the main control unit 15 instructs the customer card 4 and the retail store card 5 to update the information.
In other words, the storage information is updated (rewritten) from the customer card 4 to reduce the electronic money balance by the transaction amount and increase the electronic money balance by the transaction amount to the retailer card 5 (S24).

When the electronic money balance information 10d is updated and the new balance information is mutually confirmed between the cards (under the control of the MPU), the transaction history information 10f is stored. It is stored in the data area of “unstored 1” (S25). When the transaction confirmation operation is performed by the retailer B (S26), the physical and electrical connection with the IC chip 8 is cut off, and the message "The transaction has been completed. Please give me"
(S27), and the same effect is also displayed on the retail vending machine 1.

The retailer B visually confirms the display and delivers the product to the customer A. The customer A removes the customer card 4 (S28) and receives the product. On the other hand, when the retailer card B is removed by the retailer B, the transaction as the electronic payment ends.

Although it has been described that the retailer card 5 is inserted into the retailer vending machine 1 at the start of the transaction and that the card is withdrawn after the transaction is completed, this is for safety reasons.
If the retailer B is always located at the retailer vending machine 1, it is not always necessary to insert and remove the retailer card 5, and the next transaction can be performed continuously.

The updating of the total transaction amount information 10c in steps S20 and S23, the storage of the electronic money balance information 10d in step S24, and the storage of the transaction history information 10f in step S27 are individually described, but are simultaneously updated as actual operations. Needless to say, the control may be performed as described above.

Next, a specific example in which a transaction is performed with a customer card having an electronic money balance of 100,000 yen and a transaction limit set at 10,000 yen will be briefly described. First, in the case of a transaction amount of 20,000 yen, electronic transaction is possible because the transaction amount is within the electronic money balance, but since the transaction amount is equal to or greater than the transaction limit, the transaction requires customer identification by a password. However, if the transaction amount is up to 9,999 yen, the transaction can be settled immediately without inputting the password. Note that this transaction amount of 9,999 yen is stored as transaction amount total information, and the transaction amount is added at the next transaction, and if the transaction total amount becomes 10,000 yen or more, customer identification with a password is required as described above. Become a deal. Therefore, since the transaction of the maximum amount of 9,999 yen, which does not require the input of the personal identification number, is not permitted ten times, the unjust income of the malicious finder can be suppressed even if the transaction is lost.

<Transaction Limit Change Transaction> A transaction in which the customer A changes the transaction limit information 10c stored in the customer card 4 using a home terminal will be described. FIG. 9 is an explanatory diagram showing the concept of electronic transaction of the present invention, and FIG. 10 is an explanatory diagram showing a home terminal. In the figure, reference numeral 30 denotes a home terminal, which forms a communication network connectable to a host computer 32 of a financial institution via a communication line 31.

A storage device 33 is connected to and managed by the host computer 32.
a is stored. The contents of the deposit ledger file 33a include the address, name, age, occupation, account number, personal identification number, balance information of deposit and savings information of the customer who has opened an account, transaction limit information with electronic money, and the like. Every time the update is performed, the host computer 32 instructs the updating of the deposit / saving balance information and the like, and the latest information is stored and stored in the storage device 33.

As the deposit / saving balance information, there is a case where part or all of the deposit balance is exchanged for “electronic money” as a value corresponding to the same currency and is treated as electronic money balance information. State as information.

As shown in FIG. 10, for example, the home terminal 30 is connected to a multi-function telephone 30a, and is connected to the multi-function telephone 30a so that the customer card 4 can be inserted and withdrawn. And a display 30b capable of reading, writing, and displaying the data. In addition, 30c is the display 30.
b is a display unit provided in a part of b.

Next, the transaction limit change transaction will be described in detail with reference to the electronic transaction flowchart shown in FIG. The customer A inserts the customer card 4 into the display 30b and inputs a predetermined number (a number specifying the host computer) from the multi-function telephone 30a (S31), and the host computer 32
And line connection (S32). Host computer 3
When the host computer 32 is connected to the line, an instruction to select a transaction type from the host computer 32 and input a predetermined number is displayed on the display unit 30c (S33), and the host computer 32
The side returns data for the mutual check to the home terminal 30 and maintains the connection state. If the customer card 4 is not inserted, please insert the card
Is displayed, and the customer is guided to insert the customer card 4.

When it is detected that the customer card 4 is inserted (S34), the operation of reading the information stored in the customer card 4 is started. First, a voltage / clock is applied to the terminal unit 8a in a predetermined order, and the received data is subjected to a mutual check according to a predetermined communication protocol. When the validity is confirmed by the mutual check, the storage information (each data of 10a to 10e shown in FIG. 8) is further read (S3).
5) When the information is transmitted to the host computer 32, the host computer 32 performs the collation to determine that the transaction is possible.

The mutual communication between the host computer 32 and the home terminal 30 is encrypted and decrypted, but the description is omitted. If it is determined that the transaction is possible, the user is prompted to enter a password (S36). When the customer A enters the password, the customer A checks the password against the password 10b, which is the read information in step S35 (S37).

In step S36, when a number different from the password stored in the customer card 4 is entered,
Add a word to the screen display saying "Please enter your password again" and prompt for the entry again. If the password cannot be confirmed even after the re-entry has been performed a predetermined number of times (S38), a message such as "I cannot do business because the password is different" is displayed and the transaction is stopped, and the line with the host computer 32 is terminated. The connection is disconnected and the transaction is terminated (S39).

When the customer A performs a selection operation of “transaction limit change transaction” in a predetermined procedure, the transaction limit information is retrieved from the deposit ledger file 33 a in the storage device 33 and returned to the home terminal 30. Is displayed on the display unit 30c (S
40). When Customer A enters new transaction limit information,
The transaction limit information and the electronic money balance information stored in the customer card 4 are displayed (S41). In the MPU 8e, if the input transaction limit information is within the limit (S4
2) The limit information of the customer card 4 is temporarily stored in the RAM 8c (S43). If the transaction amount is equal to or more than the transaction limit in step S42, the maximum transaction amount is displayed, and the customer A is requested to perform a correction input and a confirmation operation. The input new transaction limit information is displayed on the display unit 30c and a confirmation request is made to the customer A (S44). When a predetermined operation is performed from the multifunctional telephone 30a, the transaction limit information on the customer card 4 is updated. Yes (S45).

When it is confirmed that the update of the customer card 4 is completed, the new transaction limit information is transmitted to the host computer 32, and the transaction limit information of the customer A in the deposit ledger file 33a is updated (S46). ), All processing will be completed.

In the above description, only the display on the display unit 30c has been described. However, it is needless to say that the operation guidance can be performed by voice from the multi-function telephone 30a.

Although the customer card 4 and the retail store card 5 have been described as IC cards, and are described as electrical contact cards with the terminal portions 8a, the present invention is not limited to this, and non-contact IC cards can also be realized.

Further, the configuration of the home terminal 30 has a function as the display 30b only when the display 30b is connected above the multi-function telephone 30a and the customer card 4 is inserted. If the multifunction telephone 30a is configured to function simply as a repeater when no is inserted, the multifunctional telephone 30a can be used as a normal communication means.

Since the control software for conducting an electronic transaction is stored in the customer card 4, if only the display 30b is prepared, the present electronic transaction system can be realized without putting in excessive funds. In addition, if the control software allows a transaction of filling in electronic money from a bank account opened by the financial institution by a predetermined operation or an electronic money balance inquiry in the customer card 4 as an offline transaction, it is possible for the customer. Convenience is also good.

[0046]

The present invention described above has the following effects. When making small transactions, it is not necessary to enter a troublesome PIN, and for transactions that exceed the transaction limit information set by the customer, a PIN must be entered (confirmed). Can be reduced to less than the transaction limit information, and furthermore, the small transaction amount up to the previous time is added and totaled as the transaction amount total information, so that only the difference up to the transaction limit As a result, it is possible to suppress bad faith for the finder. Further, since the transaction limit information can be changed by the user's own operation using the home terminal, excessive lending can be suppressed by setting the lending according to the partner when lending.

[Brief description of the drawings]

FIG. 1 is a flowchart of an electronic transaction of the present invention.

FIG. 2 is a flowchart of an electronic transaction of the present invention.

FIG. 3 is an explanatory diagram showing the concept of electronic trading in a retail store of the present invention.

FIG. 4 is a control block diagram of the retail store system of the present invention.

FIG. 5 is an explanatory diagram of a customer terminal of the present invention.

FIG. 6 is an explanatory diagram showing a display example of a customer terminal of the present invention.

FIG. 7 is a schematic diagram showing a customer card of the present invention.

FIG. 8 is an explanatory diagram showing a data format of a customer card of the present invention.

FIG. 9 is an explanatory diagram showing the concept of electronic transaction of the present invention.

FIG. 10 is an explanatory diagram showing a home terminal according to the present invention.

FIG. 11 is a flowchart of an electronic transaction of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Retail store sales machine 2 Customer terminal 3 Host device 4 Customer card 5 Retail store card 6 Magnetic stripe 7 Emboss area 8 IC chip 13 Operation unit 14 Display unit 15 Main control unit 21 Card R / W unit 30 Home terminal 30b Display Container 32 host computer 33 storage device 33a deposit ledger file

Claims (4)

[Claims] 1. A customer card which stores customer identification information, an amount of electronic money as balance information, and enables the stored balance information to be updated, and identifies a customer from the customer identification information stored in the customer card. In an electronic transaction system for performing transaction settlement with specified and stored electronic money, transaction limit information is stored in the customer card, and if the transaction settlement amount is equal to or less than the transaction limit, settlement is immediately performed. An electronic transaction system wherein when the transaction settlement amount is equal to or greater than the transaction limit amount, settlement is possible after customer identification based on the customer identification information. 2. The electronic transaction system according to claim 1, wherein transaction amount total information obtained by adding and adding past transaction settlement amounts is stored in the customer card, and settlement is performed to the transaction amount total during transaction settlement. As a result of adding the amount, if the transaction amount is equal to or less than the transaction limit, the settlement can be immediately performed, and if the total transaction amount is equal to or greater than the transaction limit, the settlement can be performed after the customer is identified by the customer identification information. Electronic trading system. 3. The electronic transaction system according to claim 2, wherein when the total transaction amount exceeds the transaction limit, the total transaction amount information is updated to zero. 4. A customer card which stores customer identification information and balance information by electronic money as customer information for each customer account, and enables the stored customer information to be updated, and reads the customer information by accepting the customer card. And a writable home terminal, a host computer connected to the home terminal via a line, and a storage device that is managed by the host computer and stores customer information for each of the customer accounts. In an electronic transaction system for specifying a customer from stored customer information and performing transaction settlement with the stored electronic money, transaction limit information is stored in the customer card, and the home terminal is used. An electronic transaction system wherein transaction limit information in the customer card can be updated.