JPS629468A - Processing method for information card - Google Patents

Abstract

PURPOSE:To secure the safe settlement of accounts for users and also to avoid an unexpected loss of the users by performing the settlement of accounts by the desposit with an amount less than a prescribed level and by the inquiry of credit given to a credit company with an amount larger than a prescribed level respectively. CONSTITUTION:For instance, the accounts are settled at a restaurant, etc. for a coffee charge less than a prescribed amount. In such a case, the amounts of charge are totalized by a terminal equipment 5. Then the information stored in the magnetic stripes on an information card 1 is read through a groove 25 of a card reader 6. A user uses an input key 26 for password number of the reader 6 to supply his/her password number. When coincidence is secured with the password number and also it is decided that the adjustment of amount is possible, the charged amount is subtracted from the amount registered in the desposit area of the magnetic stripes of the card 1. For the settlement of amount larger than a prescribed value, the information on the card 1 is supplied to the equipment 5 together with reference to the credit information owned by a credit company, etc.

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to an information processing method when using an information card such as a credit card or a telephone card, and particularly relates to a method for processing information when using an information card such as a credit card or a telephone card. Areas and storage areas for security deposits are set, and credit and deposit information is stored in each area.If the usage exceeds a specified amount, the credit file of the credit company etc. is checked to make it possible to use the area. The present invention relates to an information card processing method in which the usage amount is deducted from the deposit information when the amount is less than the amount, and the remaining amount is re-stored in the deposit storage area so that the amount can be used. - (Prior Art) Broadly speaking, two types of information card processing systems are known: a credit card system and a cash voucher system.

In the credit card system, the user is given a credit card with predetermined information stored by the credit company in advance, and when the user uses something and pays the fee, he/she presents the credit card and the user pays the fee. The customer checks the credit card information with the credit company and settles the charges.

On the other hand, in the cash voucher method, the user pays a predetermined amount to the user in advance, receives a card with information corresponding to the amount stored, and each time the user uses something, the user pays the amount used. The payment is made by deducting the information stored on the card.

[Problem that the invention seeks to solve]

According to the credit card method, the credit status of the user becomes clear, so it is suitable for bill settlement. In view of this, there have been problems such as there are cases of users who take advantage of the fact that there are users who are allowed to use the service without verifying the information.

On the other hand, the cash voucher method has the advantage that there is no verification work and the response is quick when using it, but if a too large amount is stored on the card, a magnetic error may occur. However, there was a problem in that many troubles occurred in processing the remaining amount when the magnetic data was erased.

The present invention solves the above-mentioned problems, and in the case of usage over a predetermined amount, the payment is made by checking the credit with the credit company, and when the usage is less than the predetermined amount, the payment is made by deposit, thereby ensuring the safety of the user's payment, and The purpose of this invention is to provide an information card processing method that does not cause unexpected damage to persons.

[Means to solve the problem]

The information card processing method of the present invention that solves the above problems is as follows:
A storage area for credit information and deposit is provided on the magnetic stripe provided on the information card, and credit and deposit information is stored in each area, and the terminal device refers to credit information held by a credit company, etc. If the amount exceeds a specified amount, the information stored on the magnetic stripe of the information card can be entered into the terminal device and credit information held by the credit company etc. can be referenced. - If the usage amount is less than a predetermined amount, input the information card information into the terminal device and store the amount obtained by subtracting the usage amount from the amount in the deposit storage area in the deposit storage area. It is characterized by being made available.

[Effect]

According to the present invention, when using a predetermined amount or more, the credit information at a credit company etc. is referred to before the use can be made, so transaction safety can be ensured, and when using a predetermined amount or less, a credit card can be used. Since the usage amount is deducted from the deposit, transactions can be made quickly and even if the card is stolen or the magnetic field disappears, the user will not suffer any unexpected damage.

【Example〕

The present invention will be described below based on illustrated embodiments.

FIG. 1 shows an example of an information card used in the present invention. FIG. 1 (1) is a plan view of the information card 1, and the information card 1 is provided with a magnetic stripe 2 for storing various information.

FIG. 2 is an explanatory diagram of the storage area of the magnetic stripe 2 provided on the information card 1.
J'RI VJ'Password J'Taeho';yt information'
'ID:t-do-1 "Identification":J-)"J 'CHE
An area is provided for storing CKJ and 'STA RT J information. 'ST A RT J' stored in the storage area of this magnetic stripe 2
is the starting direction for reading the information card l, and 'CI
(ECKJ is a check code, "Identification code j is a code to identify that this information card 1 has a deposit, rlD code J is the registration code of the owner of this information card 1, r Deposit information j is information on the guaranteed amount deposited in advance, PIN code j is a code used to confirm that the user is a genuine user, 'RI Vl is a code to prevent reverse reading, r3
U M J is the total amount of information.

FIG. 2 is a block diagram showing a schematic configuration of a processing system to which the processing method of the present invention is applied, and an example in which such a processing system is applied to a hotel will be explained below. Reference numeral 3 in FIG. 2 is a processing center, and this processing center 3 includes
A terminal device 5 installed at the front desk of a hotel, for example, is connected via the terminal device 5, and a reader device 6 for reading the information card 1 is connected to the terminal device 5, so that online processing can be performed. be. Further, a terminal device 5 connected to a card reading device 6 installed in a cafeteria or the like is connected to the processing center 3 via a line 4, and these terminal devices are connected, for example, once a day or once a week. Online processing is performed by reading the sales book information about once. The processing center 3 is connected to a computer system 8 provided at a credit company via a communication line vA9, and is connected to the computer system 8 of the credit company in response to information transmission such as credit inquiries, charges, personal information, etc. from the processing center 3. This is so that a credit answer can be obtained from.

FIG. 3 is a professional diagram showing the configuration of the processing center 3, and the reference numeral 1O in the figure is an electronic computer, and the computer 10
The computer is configured with a central processing unit, a main memory device, and various control devices. The computer 10 includes all external storage devices such as disk memory, a man-machine device 12 that provides various information to the computer 10 and displays the results.
A printing device 13 that prints various information, a card writing device 14 that writes a deposit into the deposit area of the magnetic stripe 2 of the card L, and a line control device 15 that controls the lines connected to the terminal device 5 and the vending machine 7. , and a communication line control device 16 connected to the communication line 9, respectively.

FIG. 4 is a perspective view showing an example of the terminal device 5 and the card reading device 6.

The terminal device 5 is provided with a display device 17 that displays sales items and sales charges, and at the bottom of this display device 17 there is a mode display section 18 that displays the operating status of the terminal device 5, and sales items, charges, and other information. A magnetic tape device 19 for storing information is provided, and below the magnetic tape device 19 are provided an item entry key 20 and a funxion key 2L numeric keypad 22.

A card reading device 6 is connected to the terminal device 5 via a connector 23 and a cable 24, and the card reading device 6 reads the magnetic stripe 2 of the information card 1 and also writes information into the deposit area of the magnetic stripe 2. A groove 25 is provided with a magnetic head portion (not shown) that allows writing of a password.
26, and a display section 27 formed of, for example, a liquid crystal display element, for displaying a personal identification number, etc., is provided at the upper position of the display section 26.

FIG. 5 is a block diagram showing an example of a computer system 8 of a credit company, and reference numeral 30 is an electronic computer. An external storage device 31 such as a magnetic disk that stores data, an input/output device 32 that inputs and outputs data, a printing device 33 that performs various tabulations and printing, and a communication line control device 34 that connects to the communication line 9. is connected.

The operation of the above embodiment will be explained separately in online processing and offline processing.

Online processing> In this case, the usage fee is high, and when the user finishes using the hotel and pays for it, as will be explained with reference to Figure 6, it is done at the front desk. The terminal device 5 calculates the usage charges (step S100), and then the information card 1 is passed through the groove 25 of the card reader 6 to read the information stored in the magnetic stripe 2 of the information card 1 (step S100). 101
). The user enters the password type key 26 of the card reader 6.
Enter the PIN number via (Step S102)
, if the input password is different, step S1
If it is determined in step 03, a warning is issued to that effect in step 3104.
), the process ends. If it is determined in step S103 that the input PIN is correct, the processing center 3
The information read from the magnetic stripe 2 of the information card 1 is sent to the client, and the credit status is determined in time (step S10).
5). The processing center 3 inquires about the credit status to the credit company's computer system 8 (Stip 3106
), the computer system 8 refers to the registrant data in the external storage device 31 and sends the credit answer to the computer IO of the processing center 3.
(Step S107).

When the information card 1 is found to be a stolen card or a lost card (step 3108), the computer 10 of the processing center 3 gives the information to the terminal device 5 to warn it (step S109) and ends the process. On the other hand, processing center 3
When the calculator 10 is a secure card (step 310
B) The usage details and user information are sent to the processing center 3, and the usage details are printed out using the terminal device 5 (step 3110).

The computer 10 of the processing center 3 stores the usage details and user information in the external storage device 11 and sends them to the credit card company's computer system 8 via the communication line 9 (step 5112).

(Offline Processing) This processing is performed when the usage fee is low, and will be explained separately for the offline terminal device 5 and the vending machine.

The use of the offline terminal device 5 will be explained with reference to FIG. 7.

When consuming coffee at a restaurant etc. and paying for it,
Calculate the total price using the terminal device 5 (step S12)
0), Next, the information stored in the magnetic stripe 2 of the information card 1 is read through the groove 25 of the card reader 6 (step S121), and the user is given the password input key 26 of the card reader 6. If the passwords do not match (step S123), a warning is sent to the user to enter the password (step S122).
124), the process ends.

On the other hand, if the PIN numbers match in step 5123,
In step S125, the terminal device 5 determines whether the amount stored in the deposit area is an amount that can be settled. In step 5125, when it is determined that payment is not possible, the process moves to step 5124, but when it is determined that payment is possible, the information card 1 is passed through the groove 25 of the card reader 6 and stored in the deposit area of the magnetic stripe 2 of the information card 1. Subtract the usage fee from the amount (Step S)
126), the process ends.

According to this embodiment, the amount settlement process is quick, and these sales data are stored in the magnetic tape device 19 and sent to the processing center 3 once a day or once a week for processing. Batch processing is performed at center 3.

The case of using the vending machine 7 will be explained with reference to FIG. 8.

Insert the information card l into the card slot of the vending machine 7 (step 3130), the amount stored in the deposit area of the magnetic stripe 2 of the information card 1 will be displayed on the vending machine 7 (step 5131), If the amount of money in the deposit area of 100% stripe 2 is not the amount that can be purchased (step S132), the information card 1 is ejected from the vending machine 7 (step S132), and the process ends. If the amount is available for purchase (Step S)
132), the labels of the products that can be purchased will light up (step S134), so when you press the desired button, the product will come out (step 5135), and in step 8136, the purchase amount will be displayed on the magnetic strip 2 of the information card 1. The amount in the deposit area is deducted from the amount in the deposit area, and the card L is discharged (step 3136). This example also performs batch processing at regular intervals.

It should be noted that the vending machine 7 can also be used for high-priced items. In this case, the vending machine 7 can be connected to the processing center 3 via the line 4, and the vending machine 7 can be configured with a password input key. , Processing Center 3
This can be done by the command of

Further, in the above embodiment, an example was explained in which the present invention was applied to a hotel, but it goes without saying that the present invention can also be applied to chain sales points, department stores, etc.

[Effects of the Invention] As described above, according to the present invention, the safety of transactions can be ensured, and the user has the advantage of not suffering unexpected damage.

[Brief explanation of drawings]

Figure 1 is a plan view showing an information card used in the present invention, Figure 2 is a plan view showing an information card used in the present invention;
The figure is a plot diagram showing the overall schematic configuration of the present invention, and FIG. 3 is a perspective view showing the equipment configuration of an information center used in the present invention.
Fig. 4 is a perspective view showing the terminal device, Fig. 5 is a block diagram showing the credit company's computer system, Fig. 6 is a flowchart shown to explain online processing, and Figs. 7 and 8 are online processing. 2 is a flowchart shown to explain the process. 1.--information card, 2--magnetic stripe, 3-.-processing center, 5--terminal device, 6.--card reader, 7---vending machine, 8--.-- computer system.

Claims (1)

[Claims] A storage area for credit information and deposit is provided on the magnetic stripe provided on the information card, and credit and deposit information is stored in each area, and the terminal device refers to credit information held by a credit company, etc. If the amount exceeds a specified amount, the information stored on the magnetic stripe of the information card can be entered into the terminal device and credit information held by the credit company etc. can be referenced. If the usage amount is less than a predetermined amount, the information card information is input into the terminal device and the amount obtained by subtracting the usage amount from the amount in the deposit storage area is stored in the deposit storage area. An information card processing method characterized in that it can be used.