JPH1173530A - Radio type fare payment system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it possible to always carry a portable medium by eliminating the inconveniences for carrying it and to actualize cashless services and the integration of credit cards as needs of the time by making a radio communication between an automatic deduction device mounted on the portable medium and a sensor for payment and paying a fare. SOLUTION: A user enters a gate 2 to ride on a bus 6. The payment sensor 21 provided to the gate 2 detects the entry of the person and sends a code signal of a specific bank code, etc., by radio. The automatic deduction device decodes the received code signal and the reads data out of a memory on completing the decoding. Then the read ID code is compared with the received code. When the bank of the received code matches the specific bank in the ID code, the ID code is sent to the payment sensor 21 by radio. A host computer 3 having received the signal from the payment sensor 21 opens the gate 2 to allow the user to ride on the bus 6.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a wireless automatic payment apparatus for a fee, and more particularly to cashless payment and integration of a credit card.

[0002]

2. Description of the Related Art In recent years, cashless payment of fees has been progressing, and various cards have been used by many people instead of cash. These cards are roughly classified into three types.

[0003] One type is a so-called cash card used when depositing or withdrawing from a bank account. Each bank has its own bank card, but recently most banks are connected online and can be used at any bank.

[0004] Secondly, when there is no money at the time of payment, payment is made by card, a credit card is automatically deducted from the designated bank without interest at the designated date, and when cash is required, a card is used to borrow money from the bank. Also, there are so-called post-payment cards such as a loan card which is debited on an interest-bearing date on a designated date, and a master card which can be used at the time of payment at any contracted shop such as when traveling overseas. The most significant feature of this post-payment card is that shopping can be performed with a designated account without having cash.

[0005] The third type is a telephone card specializing in public telephones, a card used when buying a ticket at an automatic train ticketing station, and a card used when checking out at a cash register in an employee cafeteria. Prepay the usage fee accordingly,
This is a so-called prepaid card that can be used continuously until the frequency corresponding to the prepaid fee is used up. The greatest advantage of this prepaid card is that it can be used without paying for cash, especially coins.

[0006]

Although the emergence of such cards has made great use of our lives, too many cards have flooded the population, so that some people have only a few cards. There is a problem that it is difficult to manage to reach ten cards, and it is necessary to always carry a card case for storing those cards because it must be carried at all times. In addition, losing those cards may cause enormous damage or be used for crimes.

The present invention has been made in order to solve such a problem, and focuses on a portable medium such as a wristwatch carried by an average modern person. To eliminate the inconvenience of carrying around, make it always portable, and provide a wireless fee payment system that meets the needs of the times, such as cashless and credit card integration. .

[0008]

According to a first aspect of the present invention, there is provided a cashless payment system for performing wireless communication with a payment sensor and using the payment sensor as an intermediary. It is characterized by having a portable medium equipped with an automatic withdrawal device for automatically deducting a usage fee from a bank designated by a credit method.

Here, as in claim 2, the automatic debit device includes a receiver for receiving a radio signal from the payment sensor, a decoding means for decoding the signal received by the receiver, and a user's user. A memory in which an ID code is stored;
Reading means for reading an ID code in a memory based on a control signal of the decoding means; comparing means for comparing the code read by the reading means with the code sent from the payment sensor; And a transmitter for transmitting an ID code or a rejection signal by means.

In the present invention, there is provided an automatic withdrawal device for automatically debiting by a credit method, or an automatic withdrawal device of a multiple-use immediate-payment method in which the frequency is counted down each time the withdrawal is made from a designated bank. It is mounted on a portable medium and wirelessly communicates between the payment sensor and the automatic debit device to pay a usage fee.

In the credit method, the usage fee is transmitted from a host computer connected to the payment sensor to a designated bank via a host computer online.
Automatic debit from specified account. When paying with the frequency-based instant payment method, a certain amount of money is withdrawn from a bank in advance in a portable medium by radio, and the frequency in the memory is counted down every time the frequency is used. On this occasion,
The countdown is subtracted by the host computer.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below in detail with reference to the drawings.

FIG. 1 is a system configuration diagram showing one embodiment of a wireless fee payment system according to the present invention. This figure is a diagram in which a bus fee for a route bus is paid wirelessly by a postpaid credit system. In the figure, 1 is a wristwatch for paying a fee for wireless communication, 2 is a gate that passes when getting on the bus 6, 21 is a payment sensor provided in the gate 2,
This is a part for transmitting and receiving wireless signals. The gate 2 is opened by permitting the payment sensor 21 and the wristwatch 1 to wirelessly communicate with each other and permits the rider on the bus 6. The gate 2 does not open and close every time a person passes, but is closed only when riding is not permitted. Reference numeral 3 denotes a host computer connected to the gate 2, which controls the operation of the gate 2,
A predetermined operation is performed.

Reference numeral 4 denotes a bus computer host computer connected online with the host computer 3;
It manages sales and the like. 5 is a designated bank to which this bus company is affiliated, which is connected to the host computer 4 of the bus company online and manages individual locus. In this case, the bus fare is deducted from the user's account. is there.

FIG. 2 is a functional block diagram of the wristwatch shown in FIG. In the figure, reference numeral 10 denotes an automatic withdrawal device for automatically deducting a usage fee from a bank designated by using a payment sensor 21 as an intermediary by a credit method.
Hereinafter, it is composed of 11 to 16 key lines. 11 is a receiver for receiving a radio signal from the payment sensor 21, 12 is a decoding means for decoding the signal received by the receiver 11, 13 is a memory storing an ID code such as a bank account code,
Reference numeral 14 denotes reading means for reading an ID code from the memory 13 based on a control signal of the decoding means 12, and 15 denotes comparison means for comparing the code transmitted from the payment sensor 21 with the ID code in the memory 13.

The comparison means 15 checks whether the bus company is affiliated with the bank registered by the user, that is, whether the bus company is connected to the designated bank of the user online. . Reference numeral 16 denotes a memory 1 based on the comparison result from the comparison means 15 and indicates that the payment has been completed.
The transmitter transmits the ID code in 3 and a rejection signal to the payment sensor 21 when the payment is not established. 21
Reference numeral 1 denotes a transmitting unit that transmits a wireless signal in the payment sensor 21, and 212 denotes a receiving unit that receives a wireless signal.

Next, the operation of this embodiment will be described with reference to FIGS. FIG. 3 is a flowchart showing the operation of FIG.

First, a user enters the gate 2 to get on the bus 6. At this time, the payment sensor 21 provided in the gate 2 detects entry of a person and transmits a code signal such as a designated bank code by radio. Here, the receiver 11 in the automatic debiting device 10 receives this code signal (steps A to C).

Here, the received code signal is decoded by the decoding means 12, and when the decoding is completed, a control signal is supplied to the reading means 14 to read the data in the memory 13. At this time, an ID code representing a name, a bank code, an account number, and the like is read from the memory 13. Thereafter, the read ID code is compared with the received code by the comparing means 15 (step D). Here, the match is not to compare all the read information, but to the ID.
It checks whether the designated bank in the code matches the bank of the received code or is a partner bank.

If the designated bank in the ID code matches the bank of the received code, the comparison means 15 sends the ID code to the transmitter 16, and the transmitter 16 transmits the ID code wirelessly to the payment sensor. 21. The receiving station 212 of the payment sensor 21 receives this signal and transmits it to the host computer 3. Here, the host computer 3 opens the gate 2 and permits the ride on the bus (steps E to E).
H).

After that, the host computer 3 sends the necessary ID code to the host computer 4 of the bus company. This host computer 4 manages the number of users and sales, and uses the bus to the bank 5 designated by the ID code. A fee signal is sent and the usage fee is deducted from the user's account (steps I to K).

If the designated bank in the ID code and the bank of the received code are not affiliated, a rejection signal is sent from the fighting means 15 to the transmitter 16, and the transmitter 16 transmits the rejection signal by radio. It is transmitted to the payment sensor 21. The receiving unit 212 of the payment sensor 21 receives this signal and transmits this rejection signal to the host computer 3. Here, the host computer 3 closes the gate 2 and prohibits riding on the bus. The user who is prohibited from getting on the bus leaves the gate 2 (steps L to O).

In step K in the dotted line in FIG.
Items that have been debited on the designated date will be temporarily owed to the bus company and will be deducted from the bank on the designated date.

Also, the gate is not of the openable type but is of the type shown in FIG.
A tri-pot type turn bar type may be used. In FIG. 4, 7 is a turn bar type gate, 71
Is 120 ° each time admission is permitted (１ ／ rotation)
A rotating tripot-type turn bar 72 is a payment sensor, which functions similarly to the payment sensor 21 of FIG. In this turn bar type gate 7, the user enters from the direction A in the figure to the direction B, and each time the turn bar 71 rotates in the direction of the arrow C in the figure by 120 °.

FIG. 5 is a system configuration diagram showing another embodiment of the wireless fee payment system according to the present invention. Here, a system in which a frequency corresponding to cash is drawn out in advance from a designated bank and the frequency counts down each time it is used is defined as an instant payment system using frequency. In order to perform the instant payment method, it is necessary to withdraw the deposit in advance. In this embodiment, a system for withdrawing a deposit from a designated bank to a watch will be described. In the figure, 1 is a wristwatch capable of wireless communication, 5 is a designated bank, and 51 is a wireless cash dispenser for withdrawal installed in the designated bank.

FIG. 6 is a functional block diagram of the wristwatch in this embodiment. In the figure, reference numeral 511 is provided in the cash dispenser 51 of the designated bank 5, and includes a code signal for password verification, a read request signal, and a signal corresponding to an amount obtained by adding the withdrawn amount to the currently available balance. Is the transmission unit that transmits the ID, 512 is the ID from the watch side
The receiving unit receives a code, an acceptance signal, and a write end signal. Reference numeral 8 denotes a wireless wristwatch. Reference numeral 80 denotes an automatic withdrawal device of an instant-payment system in which the frequency is counted down every time the user pulls out from a designated bank and uses the frequency, and is composed of the following elements 81 and 87. . However, only the system for withdrawing deposits from designated banks will be described here.

Reference numeral 81 denotes a code signal for password verification, a request signal for reading an available balance, and a signal corresponding to an amount obtained by adding the withdrawn amount to the current available balance from the transmitting unit 511 of the cash dispenser 51. A receiving device 82 is a decoding means for decoding the signal received by the receiver 81, and a memory 80 stores an ID code such as a personal identification number, a designated account number, and an available balance. 84
Is a reading means for reading an ID code such as a personal identification number and a rota number in the memory 80 based on a control signal from the decoding means 82 and an available balance, and 85 is a new use means based on a control signal from the decoding means 82. Writing means for writing the possible balance into the memory 80; comparing means 86 for checking the personal identification number, bank number, bank code, etc .; 87, a reception signal when the personal identification numbers match, available balance in the memory 83, and writing This is a transmitter that transmits an end signal wirelessly.

Next, the operation of this embodiment will be described with reference to FIGS. FIG. 7 is a flowchart showing the operation of FIG. Here, a block diagram of the inside of the cash dispenser 51 is omitted.

First, a personal identification number is input from an input key (not shown) of the cash dispenser 51.
The password is, for example, a four-digit number similar to the password used in a bank or the like so that the watch 8 is not used by another person when the watch 8 is lost. Thereafter, the transmission number 511 of the cash dispenser 51 transmits the password and the bank code. The receiver 81 of the automatic withdrawal device 80 receives the personal identification number and the bank code, and decrypts them by the decryption means 82. After the decoding means 82 decodes,
A control signal is given to the reading means 84 to read out the personal identification number and the ID code in the memory 80. Thereafter, the comparison unit 86 compares and compares the received personal identification number and bank code with the personal identification number and the ID code read from the memory 83 (steps a to d).

If the password or the bank code does not match, a rejection signal is sent from the comparing means 86 to the transmitter 87, and the transmitter 87 sends the rejection signal to the cash dispenser 5.
1 transmits a rejection signal wirelessly. Here, the receiving unit 512 of the cash dispenser 51 receives this rejection signal and performs a display indicating that it cannot be used on a display screen (not shown) or the like (steps e and t to v).

If the password and the bank code match, the comparing means 86 sends an ID code to the transmitter 87, and the transmitter 87 sends the ID code to the cash dispenser 51. After this, cash dispenser 5
The first receiving unit 512 receives this ID code and accesses the user's account (steps e to g).

At this time, the cash dispenser 51
Is in a state of waiting for input of the withdrawal amount, and the user inputs the withdrawal amount with the input keys. After the cash dispenser 51 has input the withdrawal amount, the cash dispenser 51 transmits a read request signal to the wristwatch 8 from the transmission unit 511. The receiver 81 of the automatic withdrawal device 80 receives the read request signal, interprets the read request signal by the decoding means 82, and then reads the available balance in the memory 83. The read available balance is sent to the transmitter 87 and the transmitter 8
7 is transmitted to the cash dispenser 51 (steps h to l).

The cash dispenser 51 receives the available balance, withdraws the withdrawal amount input by the user from the designated account, and adds the available balance and the withdrawal amount. The sum is the new available balance. Thereafter, a new available balance is transmitted from the transmission unit 511 of the cash dispenser 51 and received by the receiver 81 of the wristwatch 8. After the new available balance is decrypted by the decrypting means 82, the new available balance is written to the memory 83 by the writing means 85. Writing means 8
5 sends an end signal to the transmitter 87 at the same time as the end of the writing. This end signal is transmitted from the transmitter 87, and the receiving unit 512 of the cash dispenser 51 receives the end signal, and the operation of pulling out ends (steps m to S).

As described above, the wireless communication goes back and forth between the cash dispenser and the wristwatch three times, and the withdrawal can be easily performed from the user's account without contact using the wristwatch. Although only the drawer has been described in this embodiment,
It is also possible to adopt a configuration that allows depositing.

FIG. 8 is a functional block diagram showing another embodiment of the wireless fee payment system according to the present invention. In this block diagram, in the payment system for getting on a bus shown in FIG. 1, a wristwatch is provided with both a credit-type automatic debiting device and a frequency-based instant payment type automatic debiting device. Note that components higher than the gate are denoted by the same reference numerals as in FIG. 2 and description thereof is omitted. In this embodiment, a case will be described in which the personal identification number is collated at the time of boarding.

In the drawing, 9 is a wireless wristwatch, 90 is a credit-type automatic debiting device or a frequency-based instant payment type automatic debiting device, and either device operates by selecting a payment method. . Reference numeral 91 denotes a code signal such as a bank code and a personal identification number from the payment sensor 21 when the credit-type debit is selected, and a code such as a bank code when the credit-type immediate payment type is selected. The receiver receives a signal, a password, a read request signal from the payment sensor 21, and a new available balance.

Decoding means 92 decodes the signal received by the receiver 91, and controls reading and writing and transfers data. 93 is the ID of the designated bank code
A memory in which a code, a password and an available balance are stored, 94 is a reading means for reading data in the memory 90 based on a control signal of the decoding means, and 95 is a decoding means 92
Is a writing means for writing the data transferred based on the control signal of the above, in this case, a new available balance into the memory 90.

Reference numeral 96 denotes comparison means for checking whether the received code signal and password match the read ID code and password. 97, if the credit-based debit is selected, an ID code such as an account number or a rejection signal is transmitted based on the comparison result of the comparing means 96. The OK signal or the rejection signal based on the comparison result of the means 96, the available balance due to the reading request of the payment sensor 21, and the memory 9
This is a transmitter that transmits a write end signal that notifies the payment sensor 21 that writing has been completed to 0.

Here, the signal processing section 98 is composed of the decoding means 92, the memory 93, the reading means 94, the writing means 95 and the comparing means 96. Reference numeral 99 denotes a mode changeover switch, which selects whether the payment method is a post-payment credit method in which the bank is withdrawn or an instantaneous payment method in which the number is counted down every time a user withdraws from the bank. Switch. The mode changeover switch 99 controls the signal processing section 98 and determines which method the automatic debiting device should be debited by switching.

Next, the operation of the present invention will be described with reference to FIGS. FIG. 9 is a blow chart showing the operation of FIG. In this embodiment, it is assumed that the frequency in place of cash has been previously drawn in the memory of the wristwatch.

First, the mode changeover switch 99 is used to select whether to pay by a post-payment credit method of debiting the bank or to pay in an instantaneous payment method which is drawn out in advance in the memory and is counted down for each use. deep. The user enters the gate 2 to get on the bus 6 shown in FIG. 1 and inputs a personal identification number from a key (not shown) of the gate 2. The transmitting unit 211 of the payment sensor 21 wirelessly transmits the personal identification number and the code signal indicating the registered bank of the bus company transmitted from the host computer 3 to the wristwatch 9 (steps A to C).

The code signal and the password are received by the receiver 91 of the automatic debiting device 90 and decrypted by the decrypting means 92. After that, the reading means 94 reads the ID code and the password in the memory 90 based on the control signal of the decoding means 92. After the reading, the code signal and the password received by the comparing means 96 are compared with the ID code and the password read from the memory 96 to determine whether they match (steps e to e).

At this time, if the personal identification number or the code of the designated bank does not match, payment cannot be made with the wristwatch 9. This is because the watch 9 is not misused when it is lost. Here, if the password or the code of the designated bank does not match, a rejection signal is transmitted from the transmitter 97 to the payment sensor 21. The receiving section 212 of the payment sensor 21 receives this signal and sends a boarding rejection signal to the host computer 3. The host computer 3 receives the signal and drives the motor in the gate 2 to close the gate 2. When the gate 2 is closed, the boarding of the user is not permitted (Step,
J).

If the code of the designated bank and the password match, the following two operations are performed according to the mode determined by the mode changeover switch 99.

If the payment is to be made by a post-payment credit method, the ID code such as an account number is transmitted from the transmitter 97 to the payment sensor 21. The receiving unit 212 of the payment sensor 21 receives this signal,
A ride permission signal and an ID code are sent to the host computer 3. Upon receiving the permission signal, the host computer 3 opens the gate 2 to permit entry. Further, the ID code is sent from the host computer 3 to the host computer 4 of the bus company, and the bus company sends the ID code such as the usage fee and the account number to the designated bank. Is debited. This deducted fee will be deposited in the bus company account. still,
As described in the embodiment of FIG. 2, the normal fee deduction is performed once a month on a designated day (steps S to S).

If the password is to be withdrawn from the designated bank in advance and the countdown is to be performed from there, and the account is to be paid by the instant payment method, the OK number indicating that the password is available from the transmitter 97 after the password and the code of the designated bank match. Send a signal. The receiving unit 212 of the payment sensor 21 receives the OK
This signal is sent to the host computer 3 upon receiving the signal. After that, based on the control from the host computer 3, a read request signal is transmitted from the transmission unit 211 of the payment sensor 21 (steps 1, 2, 3).

The reading request signal is received by the receiver 91 of the automatic withdrawal device 90, and is decoded by the decoding means 92. Based on the control signal of the decoding means 92, the reading means 94 reads the available sushi balance in the memory 90. After the reading, the available balance is transmitted from the transmitter 97 to the payment sensor 21 (steps N to N).

Thereafter, the available balance transmitted from the wristwatch 9 is received by the receiver 212 of the payment sensor 21,
The available balance is sent to the host computer 3. When the available balance of the user is sent, the host computer 3 compares the usage fee sent from the host computer 4 with the available balance of the user (steps n to no).

If the available balance is less than the usage fee, that is, the bus fee, the host computer 3 determines that the balance is insufficient and closes the gate 2 to prohibit the user from getting on (step c).

If the available balance is larger than the usage fee, that is, the bus fee, a new available balance obtained by subtracting the usage fee from the available balance is transmitted from the transmission unit 211 of the payment sensor 21 based on the control of the host computer 3. Send. At this time, the usage fee deducted is sent to the host computer 4 and becomes the sales of the bus company. The receiver 91 of the automatic withdrawal device 90 receives the new available balance and decrypts it with the decryption means 92. The writing means 95 writes a new available balance into the memory 90 based on the control signal of the decoding means 92. Writing means 95 after writing is completed
Sends an end signal to the transmitter 97, and the transmitter 97 transmits the end signal to the payment sensor 21. This end signal is received by the receiving section 212 of the payment sensor 21, and the end signal is sent to the host computer 3, and the gate 2 opens to allow the ride (steps H to H).

With the above operation, the fee is paid by the automatic withdrawal device 90 in the wristwatch 9. FIG.
0 is a diagram showing a signal flow in the operation of FIG. In the figure, only the exchange of signals between the wristwatch side and the sensor side is shown. FIG. 7A is a diagram showing a signal flow when a credit-based debit is selected, and FIG. 7B is a diagram showing a signal flow when a frequency-based immediate-payment debit is selected. In the credit method, the signal makes one round trip, and in the instant payment method using frequency, it makes three round trips. Therefore, it can be seen that the credit method has a higher processing speed.

As can be seen from the embodiments shown in FIG. 2, FIG. 6, and FIG. 8, the payment of the fee can be performed wirelessly using a wristwatch without contact.

The payment of a bus ride and the withdrawal at a bank have been described as examples. For example, payment of a train fare, payment of an admission fee at an amusement park, payment of a lift ride fee at a ski resort, etc. It can be used in various places such as payment for shopping. Further, a structure may be adopted in which a sound for notifying the end is output from the wristwatch when the payment is completed. Further, the available balance may be displayed on a portable terminal such as a wristwatch.

[0054]

As described above, according to the first aspect of the present invention, the credit card for paying the fee and the credit itself corresponding to cash can be mounted on a portable medium such as a wristwatch. There is no need to carry various cards and cash, and it is always easy to carry. Therefore, it is possible to meet the needs of the times, such as cashless and credit card integration.
Further, since the payment is made by wireless communication, the payment can be completed instantaneously, and the payment place can be unmanned. Further, since the personal identification number is collated at the time of payment, the crime at the time of loss can be reduced.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing one embodiment of a wireless fee payment system.

FIG. 2 is a functional block diagram in the wristwatch of FIG. 1;

FIG. 3 is a flowchart showing the operation of FIG. 2;

FIG. 4 is a configuration diagram showing a tri-pot type turn bar type gate.

FIG. 5 is a system configuration diagram showing another embodiment of the wireless fee payment system according to the present invention.

FIG. 6 is a functional block diagram of the wristwatch shown in FIG. 5;

FIG. 7 is a flowchart showing the operation of FIG.

FIG. 8 is a functional block diagram showing another embodiment of the wireless fee payment system according to the present invention.

FIG. 9 is a flowchart showing the operation of FIG.

FIG. 10 is a diagram showing a signal flow in the operation of FIG. 9;

[Description of Signs] 1, 8, 9: wristwatch 10, 80, 90 ... automatic debiting device 11, 81, 91 ... receiver 12, 82, 92 ... decoding means 13, 83, 90 ... memory 14, 84, 94 ... Reading means 15, 86, 96 Comparing means 16, 87, 97 Transmitter 85, 95 Writing means 98 Signal processing section 99 Mode switch 2 Gate 21, 72 Payment sensor 211, 511 Transmission Units 212, 512 ... Receiving unit 3 ... Host computer 4 ... Host computer 5 ... Designated bank 51 ... Cash dispenser 6 ... Bus 7 ... Turn bar type gate 71 ... Turn bar

Claims (2)

[Claims] Claims: 1. An automatic debiting device for performing a wireless communication with a payment sensor in a cashless payment system and automatically deducting a usage fee by credit from a bank designated using the payment sensor as a medium. A wireless fee payment system comprising a portable medium loaded with a device. 2. The automatic debit device according to claim 1, further comprising: a receiver for receiving a radio signal from said payment sensor; decoding means for decoding the signal received by said receiver; and an ID code of a user. A memory, reading means for reading an ID code in the memory based on a control signal of the decoding means, comparing means for comparing the code read by the reading means with the code sent from the payment sensor, The wireless fee payment system according to claim 1, further comprising: a transmitter for transmitting an ID code or a rejection signal based on a comparison result of the comparison means.