JPS63257890A - Fee settling system by prepaid card - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] <Industrial Application Field> The present invention relates to a charge settlement system using a prepaid card for settling the price necessary for receiving goods or services using a prepaid card. In particular, the present invention provides a charge settlement system for collecting taxes and the like levied on the goods or services separately from the charges for the goods or services.

<Prior art> In recent years, there has been a system in which cards that give the right to receive specific goods or services are sold upon prepayment of a predetermined amount, and the purchase of goods, etc. is settled using the prepaid card. is starting to contradict itself. In this case, taxes may be levied on some of the goods and services that are the subject of transactions, and traditionally, the side that provides the goods or services (hereinafter simply referred to as the "provider side") handles accounting tasks such as sales calculations. By implementing this, the total amount of tax is calculated and the tax is paid on behalf of the person receiving the goods or services (hereinafter referred to as the "user").

<Problems to be solved by the invention> However, in the case of such a conventional system, there are problems such as the burden of the accounting work on the provider side becomes extremely large and the ancillary work related to proxy tax payment requires a lot of effort. be.

This invention was made by focusing on the above problem, and includes data on a prepaid card to be applied to the payment of charges,
We provide a new prepayment card payment system that reduces the operational burden on the provider of goods, etc. by separately recording data to be applied to the payment of taxes, etc., and updating each data with each transaction. The purpose is to

Means for Solving Problems> In order to achieve the above object, the present invention provides fee settlement data for appropriating the fee necessary for receiving goods and services, and data collected at the time of fee settlement. A prepayment card that separately records tax settlement data to be applied to the settlement of taxes, etc., and an automatic debit machine that automatically debits the necessary amount from the prepayment card when providing goods and services. It consists of a fee settlement system using prepaid cards.

The automatic debit machine according to the present invention includes a data reading means for respectively reading charge settlement data and tax settlement data from the prepayment card, and a charge to be settled and a charge amount based on each data read by the data reading means. A calculation means for individually deducting the advance payment etc. to calculate the respective balances, and rewriting each content of the charge settlement data and tax etc. settlement data of the prepaid card into each balance calculated by the calculation means and rewriting the data contents. It is equipped with an update means for updating.

<Operation> When a prepaid card is released, the prepaid card contains fee settlement data to be used to settle the fees necessary for receiving goods and services, as well as information on taxes, etc. to be collected at the time of fee settlement. Tax settlement data to be applied to settlement is recorded separately.

When settling the payment using this prepaid card, the data reading means first reads out various data such as charges and taxes from the prepaid card. Next, the calculation means individually deducts the charges to be settled and their taxes from these data to calculate the respective balances, and then the updating means updates each data content such as the charge and tax of the prepaid card to each of the data calculated by the calculation means. Rewrite and update the balance.

Therefore, each time a fee is settled, taxes are collected directly without involving the provider of the goods, etc., which greatly reduces the burden of accounting work on the provider and eliminates the hassle of incidental work related to proxy tax collection. can.

<Embodiment> FIG. 1 shows an example of the circuit configuration of an automatic withdrawal terminal to be introduced into the fee settlement system of the present invention. This automatic withdrawal terminal is for automatically withdrawing the necessary amount from a prepaid card when providing specific goods or services. Keyboard 3. Printer 42 display section 5. It includes an external storage device 7 and a two-line network interface section 8.

By the way, the above-mentioned prepaid card is sold at an automatic card vending machine, etc., and various data necessary for card transactions are recorded in the recording section installed in the card by electrical, magnetic, electrostatic, or other means. . This recorded data includes fee settlement data to be applied to the settlement of fees necessary for receiving the provision of goods and services, and tax etc. settlement data to be applied to the settlement of taxes, etc. collected at the time of fee settlement. Each time a prepaid card is used to provide goods or services, the necessary charges, taxes, etc. are deducted from these data and updated. Therefore, when purchasing a prepaid card, the user will have to pay an amount equivalent to the total of the amount for paying fees and the amount for paying taxes and the like. In this embodiment, taxes are assumed to be levied on charges for goods and services, but the present invention is not limited to this, and may be applied to cases in which other types of money than taxes are levied.

Returning to FIG. 1, the card league writer 2 reads fee settlement data and tax settlement data from the data recording section of the prepaid card and transfers it to a card league buffer register (described later) of the control section l. This is for receiving update data such as fee settlement data and tax settlement data from the league buffer register and writing it into the data recording section.

The control unit 1 includes a keyboard 3. It sequentially controls the operation of each input/output part such as the display part 5 of the printer 42, and also controls communication with the network related to the provision of goods and services via the line network interface part 8. Perform calculations.

FIG. 2 shows the circuit configuration of this control unit 1, which includes a card league buffer register 9°, a network buffer register IO, and an arithmetic operation unit 11. The card league buffer register 9 is for setting data transferred to and from the card league writer 2, and the tax balance register 12 is used to set the balance of tax settlement data as cents, and the balance of fee settlement data is set. and a fee balance register 13. The network buffer register 10 is for setting data related to the current transaction transmitted to and from the network, and includes a transaction tax amount register 14 in which tax data of the current transaction is sent;
It includes a transaction fee amount register 15 in which fee data related to the current transaction is set, and a transaction serial number register 16 in which a serial number for specifying each transaction is set. Note that this transaction serial number is generated by the network side for each transaction, and is used as a document for tracking transaction facts in the event of trouble, and is also used for storage as an audit document for used cards.

The arithmetic operation section 11 is for calculating each balance by subtracting the charge data for the current transaction from the charge settlement data and the tax data for the current transaction from the tax settlement data.

In the figure, a circuit portion indicated by 17 is a switch mechanism for distributing data.

Returning to FIG. 1, the keyboard 3 is used for man-machine dialogue for requesting connection to the network and receiving services, and is equipped with alphanumeric and kana keys, keys for network control, and the like.

The printer 4 prints information provided from the network, and the display unit 5 displays instructions for operating the terminal and information regarding the goods and services provided. Note that the external storage device 7
For example, if a large amount of memory is required to control the terminal, such as when making connection requests to multiple service providers, or when providing a program by copying it to the storage medium 6, the provided.

FIG. 3 shows the control procedure of the automatic withdrawal terminal g9I. Although the figure is shown assuming that a service such as a database service is provided using a prepaid card, the same applies to the case where goods are provided using a prepaid card.

First, in step 1 of the figure (indicated by rSTIJ in the figure), the control unit 1 sets the variable NO to zero, and then in the next step 2, a command is input from the keyboard 3 to request connection to the network. Next, the control unit 1 determines whether connection to the network is possible or not, and if possible, causes the display unit 5 to display a message indicating that the connection to the network has been completed (step 3.4). Next, in step 5, the display section 5
A message prompting you to insert a prepaid card is displayed, and when the prepaid card is inserted in step 6, Card League Writer 2 reads the fee settlement data and tax settlement data recorded on this card and controls them. The data is transferred to the card league buffer register 9 in the unit 1, and the tax settlement data is written into the tax balance register 12, and the charge settlement data is written into the charge balance register 13 (step 7.8).

If the judgment in step 6 “Is the card inserted?” is “NO”
”, the process advances to step 24 and waits for the card to be inserted. If the card is not inserted within the predetermined time, the process returns to step 5 and a message prompting the user to insert the prepaid card is displayed on the display unit 5 again. Ru.

In the next step 9, it is determined whether the variable NO is "1", and in this case, the determination is "NO", so the process proceeds to step 10, and the charge settlement data and tax settlement data are sent to the line network interface section 8. sent to the network via

As a result, a menu of services that can be provided from the network within the price range is displayed on the display unit 5, and when the user sees the display and operates the keyboard 3,
Specify the services you wish to provide (step 11.1)
2).

In response to this designation, service content information (database service information, etc.) is sent from the network, and this provided information is displayed on the display unit 5, printed by the printer 4, or externally, depending on the user's selection. It is written to the storage medium 6 that is removable to the attached storage device 7 (
Step 13).

Once this information has been provided, the network will send accounting data regarding service usage fees and taxes.
The control unit 1 displays this accounting data on the display unit 5 and allows the user to confirm the contents (step 14.15).

In this case, if confirmation is not entered within the specified time,
It is preferable to automatically move to the next step.

Note that the above-mentioned accounting data is stored in the external storage device 7.

Next, the control unit 1 calculates the total amount of accounting data in step 16 and sends the result to the network buffer register 10.
transaction fee amount register 15 and transaction tax amount register 1
4, the arithmetic operation unit 11 deducts the accounting data (service usage fee and its tax) from each data set in the tax balance register 12 and charge balance register 13 in the following step 17 to calculate the remaining amount. calculate. In the next step 18, it is determined whether the balance is zero or not. If the balance is not zero ("YES" in step 18), the process proceeds to step 19, and it is determined whether or not the next service is to be used.

If you do not want to use the following services, please proceed to step 19.
The judgment is "NO", and in this case, the respective calculation results of the tax balance and fee balance are transferred to the card league writer 2, and the card league writer 2 writes these data to the recording section of the prepaid card. After the balance is updated, the card is returned to the user.

If the determination in step 19 is "YES" in ``Do you want to use the next service?'', the process advances to step 8, and the balance calculation value in step 17 is set in the tax balance register 12 and fee balance register 13 of the control unit l. After that, the same service usage procedure as described above is executed.

Also, the determination of “Is there a balance?” in step 18 is “N”.
O'', the process advances to step 22, where it is determined whether or not the service is to be used.

If the next service is to be used, step 22 is ``YES'', the process returns to step 5, a guidance message prompting the user to insert a new prepaid card is displayed on the display section 5, and the user waits for the card to be inserted.

If you do not want to use the following services, proceed to step 22.
is 'NO', and then in step 23 the variable NO is set to 1.
After the card is set, the process returns to step 5 and card insertion guidance is performed.

In either case, after a new prepaid card is inserted, the data is read in step 7 and the balance is posted in step 8, but in the former case, the rNO in step 9 is
=1? ” will be “NO” and the process will proceed to step 10. However, in the latter case, the judgment in step 9 will be “YES”, so the process will proceed to step 17 where the balance calculation will be performed and the calculation result will be newly inserted. The prepaid card will be recorded and returned (step 20).

<Effects of the Invention> As described above, the present invention records data for payment of charges and data for payment of taxes etc. separately on a prepaid card,
Since fees, taxes, etc. are settled each time a transaction is made, and the respective data is updated, taxes can be collected directly at the time of charge settlement without involving the provider of goods, etc. Therefore, the burden of accounting work on the side providing goods and services is significantly reduced, and the burden of ancillary work related to proxy tax collection can be omitted, achieving the remarkable effects of achieving the purpose of the invention.

[Brief explanation of the drawing]

Fig. 1 is a circuit block diagram of the automatic withdrawal terminal introduced into the charge settlement system according to the present invention, Fig. 2 is a block diagram showing the internal circuit of the control section, and Fig. 3 shows the control procedure of the automatic withdrawal terminal. FIG. 1...Control unit

Claims (1)

[Scope of Claims] Fee settlement data to be applied to the settlement of fees necessary for receiving goods and services, and tax etc. settlement data to be appropriated to the settlement of taxes, etc. collected at the time of fee settlement. A system consisting of a prepayment card in which a prepayment card is individually recorded, and an automatic debit machine for automatically withdrawing the necessary amount from the prepayment card when providing goods or services, and the automatic withdrawal machine automatically debits the necessary amount from the prepayment card when providing goods or services. A data reading means for reading charge settlement data and tax etc. settlement data respectively, and for calculating the respective balances by individually deducting the charges to be settled and their taxes etc. from each data read by the data reading means. and an updating means for updating the data contents by rewriting the respective contents of the charge settlement data and tax settlement data of the prepaid card into the respective balances calculated by the said calculation means. Payment system.