JPS6225372A - Shopping system - Google Patents

Abstract

PURPOSE:To withdraw an optional amount of money to an IC card and to use it instead of a purse by allowing a user at home to withdraw the deposit in a bank to the IC card. CONSTITUTION:The user at home lifts the handset 6 of a telephone set 1 with an IC card, inserts IC card 30 into the IC card insertion slot, and inputs his or her password number, the amount of memory to be withdrawn, etc., on the keyboard 8-a according to guidance. Consequently, the telephone set 1 is connected to the computer 3 in the bank through a telephone circuit 7 and the amount of money to be withdrawn is subtracted from the user's account file 9, so that the amount of money to be withdrawn is recorded on the IC card. Then, the user carries the IC card 30 and makes a purchase at a department store, etc., and then the money of money paid is written on the IC card 30 by a POS terminal 2 at the department store, etc., to update the balance.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Application of the Invention] The present invention relates to the use of an IC card, and particularly to a shopping system using an IC card suitable for shopping without carrying cash.

[Background of the invention]

As for conventional IC card usage, the International Common Card from the Ministry of Posts and Telecommunications is known, but the amount of cash that can be withdrawn is stored in advance on the IC card, and the end user can withdraw any amount of money to their home. It is not possible to withdraw the money while you are still there.

Also, it is not possible to withdraw money from a specific account over and over again to the same IC card and use it as a wallet. Further, in the case of a card loaded with a predetermined amount for a purchase, the card ends up with the purchase, making it difficult to use it for unplanned purchases, which is inconvenient.

[Purpose of the invention]

An object of the present invention is to provide a shopping system that does not use cash by effectively utilizing IC cards.

[Summary of the invention]

In order to pay for shopping without using cash, the present invention uses an IC card to connect an IC card-equipped telephone at home to a bank via a telephone line, withdraws cash from a bank account, etc. to the IC card, and The user brings the IC card with him when shopping at a department store, etc., and pays with the IC card.

On the other hand, in department stores, etc., when payment is received using the IC card, the IC card is read by a terminal such as a POS, the purchase price is deducted from the balance, and the payment is made at a bank etc. based on the purchase record. It is.

[Embodiments of the invention]

Hereinafter, one embodiment of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a system configuration diagram of a shopping system showing one embodiment of the present invention, FIG. 2 is a conceptual diagram of an IC card used in the present invention, FIG. 3 is an explanatory diagram of an information file in the IC card, and FIG.
The figure is a professional, vertical diagram of a telephone with an IC card used in the present invention, and Figure 5 is a diagram of a telephone with an IC card used in the invention.
e) Block diagram of terminal device (sales settlement machine), FIG. 6 is a flowchart for explaining one embodiment.

In Figure 1, 1 is an I for withdrawing deposits to an IC card.
A telephone with a C card (data writing device) is installed in the user's home, etc. 2 is a POS (sales settlement machine) for shopping at department stores and paying with an IC card, 3 is a bank computer, 4-a or 4-b are IC card slots,
5-a or 5-b a journal for keeping records of deposit withdrawals and shopping; 6 a telephone receiver; 7 a telephone line connecting the IC card telephone 1 and the bank computer 3;
8-b is a keyboard, 9 is an account file accessed by the bank computer 3, 10-a and 10-b are display devices, and 11 is a cassette tape recorder for recording shopping history. In Figure 2, 30-a is an electrical contact, 30-b
is a microprocessor, 30-c is a ROM (read ON)
memory).

4 and 5, 50-a to 50-b are display devices 2-a to 2-b, keyboards 8-a to 8
51-a and 51-b are used to read data from the IC card 30 and withdraw data from a bank account. An IC card reader/writer 52-a or 52-b writes the amount of money on the IC card 30, a journal printer 52-a or 52-b prints the history of purchases and withdrawals from a bank account, and 53 a journal printer that prints the history of purchases using the IC card 30. , a cassette tape recorder that records the history of payments made.

Next, the operation of each part in FIGS. 4 and 5 will be explained based on the shopping system configuration diagram in FIG. 1, the IC card information file diagram in FIG. 3, and the flow chart in FIG. 6.

First, the user picks up the receiver 6 of the IC card-equipped telephone 1 at home (step 6o in FIG. 6), and inserts the IC card 30.
is inserted into the IC card insertion slot 4-a (61), and the processing program 46 and data 45-a to 45-e in the IC card 30 are read (62). The processing program 46 stores check processing for personal identification numbers, payment limits, etc. unique to each bank, and by loading the processing program 46 into the IC card equipped telephone 1, various transaction procedures can be set.

Next, the user enters the password using the keyboard 8-a according to the guidance displayed on the display 10-a (63
). Compare the entered PIN number with the PIN number 45-b in the IC card 30 (64), and if they do not match, an error message will be displayed (78), and if they match, enter the amount you wish to withdraw using the keyboard 8-a ( 65).

Next, the amount is checked (66), and if it is incorrect, an error is displayed (79), and if it is correct, the data 45 in the IC card 30 is sent to the central computer 3 via the telephone line 7. (70). In the central communication at this time, IC
The card-equipped telephone 1 automatically calls the bank's computer 3 using the bank's telephone number 45-e. The bank's computer 3 receives the transmitted data 45 from the IC card 30.
A check is performed against the account file 9 (75), and if normal, the withdrawal amount is transmitted via the telephone line 7.

At this time, the balance in account file 9 has been deducted, but I
The amount transferred to the C card is also recorded.

The IC card equipped telephone 1 writes the withdrawn amount into the deposited amount 40-C in the IC card 30 (85) and also records it in the journal 5-a. Finally, hang up the handset at 1iAt (90)
, when the IC card 30 is removed, the deposit is withdrawn to the IC card 30.

Next, the user takes the IC card 50 and goes to a department store or the like to shop (95). To pay the price, hand the IC card 30 to the shop staff and calculate a. After checking the security of the store's IC card 30, insert the IC card into the card slot 4-b of the PO8 terminal 2 (100), and enter the price and product name code of the item using the keyboard 8-b (105). ).

As a result, the payment amount 40-d in the IC card 30 is written, and the balance 40-e is updated. It is also recorded on cassette tape and in a journal (115).

Finally, the IC card is returned and the payment is completed. At this time, users who wish to receive the balance on their IC card in state funds may be given cash to reduce the balance. At a department store, take a cassette tape containing the history of your purchases to the bank (
125), make payment (130”l.

In the above explanation, the history of shopping was recorded on a cassette tape, but other media such as floppy disks may also be used.
The PO8 terminal 2 and the bank computer 3 may be connected online.

Also, at small retail stores etc., I can use I instead of PO8 terminals.
You can also use a phone with a C card to copy your shopping history to another IC card.

Also, if the user wants to check the balance on the IC card or the history of payments, he or she can print it out in the journal of the IC card phone and take a hard copy.

As described above, in this embodiment, an example of paying for shopping has been described, but it can also be applied to various payments and settlements such as hotel payments, public fees, and various entrance fees.

Also, if you want to convert it into cash, you can consider inserting the balance on your IC card into an automatic machine (payment machine) to receive cash.

Further, although not specified in this embodiment, even if the balance of the IC card runs out, the same IC card can be used any number of times by withdrawing money from the bank account.

As described above, according to this embodiment, bank deposits can be withdrawn from the user's home to an IC card, so it does not take much time, and it is safe because cash is not used.

Also, you don't have to handle large amounts of cash at department stores, so +U
Money management becomes easier.

Further, since the amount can be transferred to the IC card according to the processing program in the IC card, it is convenient to perform arbitrary processing.

〔Effect of the invention〕

According to the present invention, since an arbitrary amount can be withdrawn from an IC card and used as a wallet, it is safe to make purchases without using cash.

Additionally, if the user withdraws money within the balance of their account, they can shop with greater peace of mind than with a credit card.

Additionally, you can withdraw money from your home IC card-equipped phone, saving you time and effort.

[Brief explanation of the drawing]

Fig. 1 is a shopping system configuration diagram, Fig. 2 is an external view of the IC card, Fig. 3 is an explanatory diagram of the information file in the IC card, Fig. 4 is a block diagram of a telephone with an IC card, and Fig. 5 is a PO
FIG. 6 is a block diagram of eight terminals, and is a flowchart for explaining one practical example. 1... Telephone with C card (data writing 5), 2...
・PO8 terminal +1! (Sales settlement machine), 3...Bank computer, 4-a or 4-1)...IC card slot, 5-a
or 5-b...journal, 6...telephone receiver,
7... Telephone line, 8-a or 8-b... Keyboard, 9... Account file, 10-a or 10-b... Display, 11...
Cassette tape recorder, 30...IC card, 40-a...date, 4
0-b...Summary, 40-C...Deposit amount, 40
-d...Payment amount, 40-e...Balance, 4
5-a... Account number, 45-b... PIN number, 45-c... Home phone number, 45-d... Bank name, 45-e... Bank phone number, 46... Processing program, 50-a or 50-b = Control@position, 51-a or 51-b... IC card reader/writer, 52-a or 52-b... Journal printer , 53...cassette recorder. Representative Patent Attorney Katsuo Ogawa - Haya +I21 (child Bart) 8-b $ 2 mouth 3θb Figure 3 Figure 5 mouth 6I2]

Claims (1)

[Claims] 1. Sales in which a data writer is installed to capture and store the amount of money in a specific account on an IC card based on communication with a computer on the bank side, and the purchase price is deducted from the balance of the IC card. A shopping system in which a payment machine is installed at a store, and the data writing device has an IC card reading/writing device, and the processing program stored in at least one of the IC card and the data writing device is processed. A shopping system that captures and stores the amount of money in a specific account in an IC card according to a processing procedure. 2. The above-mentioned IC card stores data such as a PIN number and payment limit amount specific to each bank, as well as a check procedure program for these, and according to the above program, the above-mentioned PIN number and payment limit amount are checked against the above data and manually entered data. A shopping system according to claim 1, comprising: 3. The above-mentioned sales settlement machine includes an IC card reader/writer that reads the data in the IC card and writes data to the IC card, a keyboard for inputting the sales price and other sales information, and an IC A patent comprising: a control device that updates the amount balance in the card and writes the sales information to the IC card; and a recorder that records the sales amount and other sales information on the sales settlement machine side. A shopping system according to claim 1.