WO2004107233A1

WO2004107233A1 - Settlement system and settlement method

Info

Publication number: WO2004107233A1
Application number: PCT/JP2004/006380
Authority: WO
Inventors: Ryota Okada; Koji Araki
Original assignee: Jcb Co., Ltd.
Priority date: 2003-05-27
Filing date: 2004-05-12
Publication date: 2004-12-09
Also published as: JPWO2004107233A1; TWI354233B; JP4499036B2; TW200500911A

Abstract

A settlement system for performing settlement of charges claimed from companies by using a credit card. A transportation company system includes a read/write device for reading/writing information recorded on an IC card, a control device for receiving IC card identification information and appropriated money/used fare from the read/write device and recording it, and a management device for extracting a virtual ID from a transportation company virtual ID database and transmitting the virtual ID and the appropriated money/used fare as claim data to a settlement company system. The settlement company system includes a fare claim device for extracting a credit card number from a settlement company virtual ID database and recording the credit card number and the appropriated money/used fare of the claim data in a credit card use database.

Description

Payment system and payment method

[0001] The present invention relates to a payment system, a transportation system, a payment system, and a shared center system in which a user using a transportation system performs a payment using a credit card in a payment system of an auto-charge system or a post-payment system. And settlement methods. Traffic light

Payment by credit card for charges from businesses that provide services other than Seki

It relates to settlement systems, transportation system, settlement agency system, joint center system and settlement method.

Background art

[0002] There is a mechanism in which a fee paid when a user uses transportation is settled using a prepaid IC card (mainly a non-contact type). Because the prepaid system requires the user to allocate the amount of money to the IC card in advance, as described in Patent Documents 1 and 2, the auto-charge method or A postpaid payment method was invented. Figure 3 shows a conceptual diagram in this case.

[0003] As disclosed in Patent Document 1, when the user reads an IC card at a ticket gate, if the remaining amount is less than a certain amount, as described in Patent Document 1, the predetermined amount is automatically transferred to the IC card. This is a mechanism in which, after a lapse of a predetermined period, the user is billed for the appropriate amount by using a credit card or direct debit.

[0004] The post-payment method is, as disclosed in Patent Document 2, when a user reads an IC card at a ticket gate, reads the usage information, and after a predetermined period of time elapses, the user pays the usage amount. Is made by credit card or direct debit.

[0005] There is also a general credit card settlement mechanism in which when a user enjoys a service provided by an operator other than transportation, the amount of use of the user is settled with a credit card.

Patent Document 1: JP-A-2002-334284 Patent Document 2: JP-A-9-1115017

Disclosure of the invention

Problems the invention is trying to solve

[0007] As described above, the auto-charge method and the post-payment method are very convenient because the user does not need to apply the amount to the IC card in advance. However, on the other hand, as shown in the conceptual diagram of Fig. 3, when a user gets on a vehicle with an IC card, information for identifying the IC card or the user (hereinafter, IC card identification information) and the usage fee It is necessary to send the appropriation amount to credit card companies and financial institutions. In particular, as shown in Fig. 3 (b), when a user uses such a method in multiple transportation systems, the data amount is required by that number. That is, associating the identification information of each transportation facility with the credit card number is required by that number, which leads to an increase in the amount of data at the settlement organization.

[0008] It is common for a user to lose his or her IC card, and in such a case, the user makes a request to a transportation company for a reissue procedure of the IC card. Since the IC card is changed by reissuing, the IC card identification information to be read at the ticket gate will be changed.

[0009] Then, in the case of the settlement method using the auto-charge method or the post-payment method disclosed in Patent Document 1 and Patent Document 2, the IC card identification information is associated with the credit card number at the settlement institution. , You will not be able to make payments. Therefore, the clearing house must reassociate the IC card identification information with the credit card number. In order to re-associate such information, the transportation operator first sends the lost IC card identification information and the reissued IC card identification information to the clearing house, and the clearing house transmits the lost IC card. It is necessary to delete the association between the identification information and the user's credit card number, and perform a new association between the reissued IC card identification information and the user's credit card number.

[0010] On the other hand, when a credit card is settled by a service provided by a service provider other than transportation, the service provider transmits the usage fee and the credit card number to the payment service. The credit card number will be sent and received between the business operator and the clearing house. Therefore, the business operator will also hold the credit card number data, Due to issues such as plagiarism of credit card numbers, it is the reality that users do not want to know their credit card numbers as much as possible.

[0011] Further, as in the case of a transportation company, the business operator must always maintain the association between the user and the credit card number. For example, when the user loses the credit card, When the number is changed, the user needs to notify the operator as well as the clearing house of the change in the credit card number. In addition, the business that receives the notification must change the association between the user and the credit card number. If the user is making a credit card payment with more than one company, he or she must notify each company of the change in the credit card number mentioned above.

Means for solving the problem

[0012] As described above, in the settlement method using the conventional auto-charge method or the post-payment method, the processing when the IC card is lost or the like is extremely difficult, and a great burden is imposed on the transportation company and the settlement institution. Occurs.

[0013] In order to reduce this burden, the present inventor does not directly associate an IC card with a credit card number, but rather uses an identifier (virtual ID) determined in advance by a user at a transportation business operator and a payment institution. The settlement system, transportation system, settlement institution system, shared center system and settlement method that solve the above-mentioned problems by assigning Invented.

[0014] Further, as described above, the present inventor, when carrying out credit card settlement of a business other than a transportation business operator, as well as the case of the transportation business operator, to the business operator and the payment institution. The present inventors have invented a settlement system and a method for solving the above-mentioned problems by giving a predetermined virtual ID and performing settlement using the identifier at the time of settlement.

[0015] First, the settlement system of the present invention is a settlement system that uses an auto-charge settlement method or a post-payment settlement method. The settlement system includes a transportation institution system provided by a transportation company and a settlement institution. It consists of a settlement institution side system, and the transportation institution side system has IC card identification information for identifying the IC card or the user and the amount of money allocated to the IC card or the usage fee of the user having the IC card And related In addition, the transportation agency database, the IC card identification information, and the virtual ID previously assigned to the IC card or the user are recorded in association with the transportation agency virtual database. An ID database, a reading device that reads and writes information recorded on the IC card, IC card identification information read by the reading device, and the allocation that the reading device has applied to the IC card. A control device for receiving the amount or the usage fee calculated as the transportation fee from the reading device and recording the information in the transportation usage database; and the IC card identification information read from the IC card by the reading device. And extracting the virtual ID associated with the payment ID from the payment institution side virtual ID database, and using the extracted virtual ID and the appropriation amount or usage fee as billing data for the settlement. And a management device for transmitting to the institutional system. The settlement institution side system associates and records the virtual ID and credit card number previously assigned to the IC card or user, and records the information. Receiving the billing data from the transportation agency system, a credit card usage database recording the credit card number and the appropriation amount or usage fee in association with each other, The credit card number associated with the virtual ID in the billing data is extracted from the payment institution side virtual ID database, and the extracted credit card number and the amount of money or usage charge in the billing data are extracted from the credit card. And a billing device for recording in a card usage database.

[0016] According to these inventions, a user can make a payment using an IC card by an auto-charge method or a post-payment method, but even if the identification information is changed due to loss of the IC card. This eliminates the necessity of associating the payment institution with the credit card number as in the past. In other words, it is sufficient for the transportation company to change only the association between the identification information of the IC card and the virtual ID in its own transportation-side virtual ID database.

[0017] Further, in the above invention, a settlement system using an auto-charge method or a post-payment method is used, wherein the settlement system is provided with a transportation system provided by a transportation company. The system comprises a payment institution system provided by a payment institution, and the transportation system includes an IC card or IC card identification information for identifying a user and the IC card. A transportation database that records the amount of money allocated to the IC card or the usage fee of the user holding the IC card in association with the IC card identification information and the IC card or the user. A transportation-side virtual ID database that records the associated virtual IDs in association with each other, a reading device that reads and writes information recorded on the IC card, and IC card identification information read by the reading device. A control device that receives the appropriation amount applied to the IC card by the reading device or the usage fee calculated as the transportation fee from the reading device, and records the received usage fee in the transportation usage database; Extracting a virtual ID associated with the IC card identification information read from the IC card by the reading device from the transportation-side virtual ID database; And a management device for recording the allocated virtual ID and the appropriation amount or usage charge as billing data on a recording medium, wherein the settlement institution side system includes the virtual ID previously assigned to an IC card or a user. And a credit card number in association with the settlement institution, a credit card usage database in which the credit card number is associated with the appropriation amount or usage fee, and recorded in the recording medium. The payment data is read, and the credit card number associated with the virtual ID in the payment data is extracted from the payment institution side virtual ID database, and the extracted credit card number and the payment data in the payment data are extracted. A charge for recording the appropriated amount or usage fee in the credit card usage database. And the required equipment, can also be configured with the force becomes settlement system.

[0018] With this configuration, not only is billing data transmitted and received via a network, but billing data is recorded on various recording media such as magnetic disks, magneto-optical disks, optical disks, and magnetic tapes. And exchange of billing data.

[0019] The settlement system of the present invention may be configured as follows. A payment system using an auto-charge or post-payment payment method, wherein the payment system is composed of a transportation-side system owned by a transportation agency, a payment-institution-side system provided by a payment agency, and a shared center system. The transportation-side system records the IC card or IC card identification information for identifying the user in association with the amount of money applied to the IC card or the usage fee of the user having the IC card. Transportation Database, a reading device that reads and writes information recorded on the IC card, IC card identification information read by the reading device, and the amount of money that the reading device has applied to the IC card, or A control device for receiving the usage fee calculated as a transportation fee from the reading device and recording the same in the transportation usage database; and the IC card identification information read from the IC card by the reading device. The virtual ID associated with the IC card identification information is sent to the shared center system to query and match the virtual ID, the virtual ID is received from the shared center system, and the received virtual ID and A management device for transmitting the appropriation amount or usage fee as billing data to the settlement institution side system. The payment institution-side virtual ID database that records and records the virtual ID and credit card number previously assigned to the IC card or user in association with each other, and the credit card number and the appropriated amount or usage Receiving the billing data from the transportation-side system and a credit card use database that records the fee in association with the fee, and setting the credit card number associated with the virtual ID in the billing data to the settlement. A billing device that extracts from the institution's virtual ID database and records the extracted credit card number and the appropriated amount or usage fee in the billing data in the credit card usage database; The center system is a joint center that records the IC card identification information and the virtual ID in association with each other. A virtual ID database, and upon receiving the IC card identification information from the transportation system, extracts a virtual ID associated with the IC card identification information from the joint center virtual ID database. The settlement system is a device for transmitting the extracted virtual ID to the transportation system.

[0020] With this configuration, there is no need to maintain the credit card number of the user on the side of the transportation agency, and it becomes possible to carry the credit card number at the shared center.

[0021] Further, the above-mentioned invention is a settlement system using a settlement method of an auto-charge system or a post-payment system, wherein the settlement system comprises a transportation system provided by a transportation company and a settlement system provided by a settlement institution. The system consists of an institution system and a shared center system.The transportation system described above uses an IC card or IC card identification A transportation use database that records the amount of money allocated to the IC card or the usage fee of the user having the IC card in association with the information, and a reading device that reads and writes information recorded on the IC card. Receiving from the reading device the IC card identification information read by the reading device and the usage fee calculated by the reading device as applied to the IC card or as a fee of the transportation organization, A virtual machine associated with the IC card identification information by transmitting the IC card identification information read from the IC card by the reading device to the common center system, and a control device that records the information in the transportation use database. Inquires about the ID, receives the virtual ID from the joint center system, and receives the received virtual ID and the allocated amount. And a management device for recording the usage fee on the recording medium as billing data, wherein the settlement institution side system is configured to provide the virtual ID and credit card number previously assigned to an IC card or a user. A payment institution side virtual ID database in which the credit card number and the appropriation amount or usage fee are recorded in association with each other, and the credit card use database recorded in the recording medium. The billing data is read, and a credit card number associated with the virtual ID in the billing data is extracted from the payment institution side virtual ID database, and the extracted credit card number and the billing data in the billing data are extracted. A billing device for recording the allocated amount or usage fee in the credit card usage database. The joint center system has a joint center virtual ID database that records the IC card identification information and the virtual ID in association with each other, and receives the IC card identification information from the transportation system. It is also possible to configure a payment system, which is a device for extracting a virtual ID associated with the IC card identification information from the common center virtual ID database and transmitting the extracted virtual ID to the transportation system. It is.

[0022] With such a configuration, in the invention using the joint center, not only the billing data is transmitted and received via the network, but also the magnetic disk, magneto-optical disk, optical disk, magnetic tape, etc. The billing data can be recorded on various types of recording media, and the billing data can be exchanged.

[0023] Further, the present invention provides a payment system using an auto-charge method or a post-payment method. Wherein the settlement system comprises a transportation-side system possessed by a transportation agency, a settlement-institution-side system possessed by the settlement agency, and a shared center system, wherein the transportation-side system comprises an IC card or a usage card. A transportation use database that records the IC card identification information that identifies the user and the amount of money allocated to the IC card or the usage fee of the user who has the IC card in association with each other, and records the information on the IC card. A reading device that reads and writes the information that is read, the IC card identification information read by the reading device, and the usage calculated as the appropriation amount applied to the IC card by the reading device or the transportation fee. A control device that receives the fee from the reading device and records the fee in the traffic agency usage database; and the reading device reads the IC card from the IC card. By transmitting the obtained IC card identification information to the shared center system, an inquiry about a virtual ID associated with the IC card identification information is made, and the virtual ID is received from the shared center system. A management device that transmits the received virtual ID and the appropriation amount or the usage fee as billing data to the settlement institution side system; and the settlement institution side system includes the user's credit card number and appropriation amount. A credit card usage database that records an amount or a usage fee in association with the database, receives the billing data from the transportation system, extracts the virtual ID in the billing data, and extracts the extracted virtual ID. Is sent to the joint center system to check and match the credit card number associated with the virtual ID. A billing device for receiving the credit card number from the shared center system and recording the received credit card number and the amount of money or usage fee in the billing data in the credit power usage database; The joint center system records the IC card identification information, the virtual ID assigned to the IC card or the user in advance, and the credit card number of the user in association with each other. And receiving the IC card identification information from the transportation system, extracting a virtual ID associated with the IC card identification information from the integrated virtual ID database, The extracted virtual ID is transmitted to the transportation system, and the virtual ID is received from the payment system. Then, extract the credit card number that is associated associated with the virtual ID from the integrated virtual ID database, the extraction The settlement system is a device for transmitting the issued credit card number to the settlement institution side system.

In the present invention, the shared center system holds IC card identification information, a virtual ID, and a credit card number. As a result, even if the IC card identification information or credit card number is changed when the user loses the IC card or loses the credit card number, the user is limited to the joint center. Notifying the public will reduce the burden.

[0025] The above-described invention can also be configured as follows. A payment system using an auto-charge or post-payment payment method, wherein the payment system is composed of a transportation-side system owned by a transportation agency, a payment-institution-side system provided by a payment agency, and a shared center system. The transportation-side system records the IC card or IC card identification information for identifying the user in association with the amount of money applied to the IC card or the usage fee of the user having the IC card. A transportation use database, a reading device for reading and writing information recorded on the IC card, IC card identification information read by the reading device, and the reading device assigned to the IC card by the reading device. Receiving the appropriation amount or the usage fee calculated as the transportation fee from the reading device, and obtaining the transportation usage data A controller that records the information on the IC card, and a virtual ID associated with the IC card identification information by transmitting the IC card identification information read from the IC card by the reading device to the above-mentioned joint center system. And a management device that performs the matching, receives the virtual ID from the shared center system, and records the received virtual ID and the appropriation amount or usage fee as billing data on a recording medium. The institution-side system reads the credit card usage database that records the credit card number of the user and the appropriation amount or usage fee in association with each other, and reads the billing data recorded on the recording medium. By extracting the virtual ID in the data and transmitting the extracted virtual ID to the joint center system, It makes an inquiry of the association obtained a credit card number, the joint center to receive the credit card number from the system, in appropriated amount of money or interest to the billing data and credit card number to the received And a charge billing device for recording a usage fee in the credit card usage database. The shared center system provides the IC card identification information and a virtual name previously assigned to the IC card or a user. It has an integrated virtual ID database that records and records the ID and the user's credit card number in association with each other, and when the IC card identification information is received from the transportation system, the IC card The virtual ID associated with the identification information is extracted from the integrated virtual ID database, the extracted virtual ID is transmitted to the transportation system, and when the virtual ID is received from the clearing house system, the virtual ID is received. A credit card number associated with an ID is extracted from the integrated virtual ID database, and the extracted credit card number is stored in the payment machine. A device for transmitting to the side system, a payment system Ru.

[0026] In the invention utilizing the joint center, the billing data is not only transmitted and received via the network, but also recorded on various types of recording media such as magnetic disks, magneto-optical disks, optical disks, and magnetic tapes. Can be recorded and billing data can be exchanged.

[0027] In the above-described settlement system, transportation has been targeted as a business entity. However, in the case of credit card settlement of various business entities such as a mobile phone company that is not limited to transportation, virtual IDs are used. It is also possible to set up a payment system that does not hold the credit card number on the business side by using. A payment system for performing payment by a credit card to a user of a business providing a service to a user, wherein the payment system includes a business system of the business and a payment institution side system of a payment institution. A business center database, which stores user identification information for identifying users and usage fees used by the users in association with each other; By extracting the user identification information and the usage fee recorded in the database and transmitting the extracted user identification information to the joint center system, the virtual ID associated with the user identification information is transmitted. Makes an inquiry, receives the virtual ID from the joint center system, and requests the received virtual ID and the usage fee. A sales management device that transmits the data as data to the settlement institution side system, wherein the settlement institution side system records the virtual ID assigned to the user in advance and a credit card number in association with each other. Payment machine Seki side virtual ID database, a credit card usage database that records the credit card number and usage fee in association with each other, and the billing data received from the business operator system, and the virtual ID in the billing data A billing method for extracting the credit card number associated with the credit card number from the settlement institution side virtual ID database and recording the extracted credit card number and the charge in the billing data in the credit card use database. The joint center system has a business operator virtual ID database that records the user identification information and the virtual ID in association with each other. Upon receiving the user identification information, the virtual ID associated with the user identification information is stored in the business operator virtual ID data. Extracted from database, a device for transmitting a virtual ID to the extracted in the carrier system, a payment system.

[0028] As described above, as in the case of transportation, a joint center is set up, and a database that associates user identification information with a virtual ID for use by a business operator is provided, whereby a credit card number can be obtained. It is no longer necessary to maintain the

Further, the above-described invention can be configured as follows. A payment system for performing payment by a credit card to a user of a business providing a service to a user, wherein the payment system includes a business system of the business and a payment system of a payment institution The business system comprises a business sales database that stores user identification information for identifying users and usage fees used by the users in association with each other. The user identification information and the usage fee recorded in the dealer sales database are extracted, and the extracted user identification information is transmitted to the joint center system, whereby the virtual information associated with the user identification information is transmitted. Inquiry and matching of ID, receiving the virtual ID from the joint center system, and receiving the received virtual ID and the usage fee And a sales management device for recording on a recording medium as billing data, wherein the settlement institution side system records the virtual ID and the credit card number previously assigned to the user in association with each other. A payment institution virtual ID database, a credit card usage database that records the credit card number and usage fee in association with each other, and the credit card usage database recorded on the recording medium. The billing data is read, and a target card number associated with the virtual ID in the billing data is extracted from the payment institution side virtual ID database, and the extracted credit card number and usage fee in the billing data are extracted. And a billing device for recording the user ID information in the credit card usage database, and the joint center system has a business operator virtual ID database that records the user identification information and the virtual ID in association with each other. Receiving the user identification information from the operator system, extracts the virtual ID associated with the user identification information into the operator virtual ID data base, and extracts the extracted virtual ID from the operator. This is a settlement system, which is a device that transmits to the trader system.

[0030] With this configuration, in the invention utilizing the joint center, not only is billing data transmitted and received via a network, but also a magnetic disk, a magneto-optical disk, an optical disk, a magnetic tape, etc. Billing data can be recorded on various types of recording media, and billing data can be exchanged.

[0031] Further, even in the case of various types of businesses, by having the user identification information, the virtual ID, and the credit card number in the shared center system, the centralized management thereof is possible. A payment system for performing payment by a credit card to a user of a business providing a service to a user, wherein the payment system includes a business system owned by the business and a payment institution side system provided by a payment institution. The business center system, the business system includes a business sales database storing user identification information for identifying users and usage fees used by the users in association with each other; The user identification information and the usage fee recorded in the sales database are extracted, and the extracted user identification information is transmitted to the joint center system, whereby the virtual information associated with the user identification information is transmitted. Inquires about the ID, receives the virtual ID from the joint center system, and requests the received virtual ID and the usage fee. A sales management device for transmitting data to the settlement institution side system as data, wherein the settlement institution side system includes a credit card usage database that records the user's credit card number and usage fee in association with each other. Receiving the billing data from the business operator system, extracting the virtual ID in the billing data, and The credit card number associated with the virtual ID is inquired by transmitting to the joint center system, the credit card number is received from the joint center system, and the received credit card number and the billing data are received. And a charge billing device that records the usage fee to be used in the credit card usage database, and the joint center system associates the user identification information, the virtual ID, and the credit card number of the user with each other. It has a recorded enterprise integrated virtual ID database, and upon receiving the user identification information from the enterprise system, stores the virtual ID associated with the user identification information into the enterprise integrated virtual ID database. And transmitting the extracted virtual ID to the operator system. When the virtual ID is received from the institutional system, the credit card number associated with the virtual ID is extracted from the business operator integrated virtual ID database, and the extracted credit force number is transmitted to the settlement institution side system. This is a payment system that is a device that transmits.

[0032] By realizing such unified management, it is possible to change the user identification information or the credit card number when the service is changed by the user or when the credit card number is lost. However, if the user only notifies the joint center, the burden is reduced.

[0033] The above-described invention can also be configured as follows. A payment system for performing payment by credit card to a user of a business providing a service to a user, wherein the payment system includes a business system owned by the business and a payment institution owned by a payment institution A business sales database that stores user identification information for identifying users and usage fees used by the users in association with each other; The user identification information and the usage fee are recorded in the sales database, and the extracted user identification information is transmitted to the joint center system, whereby the virtual user associated with the user identification information is transmitted. Makes an ID inquiry, receives the virtual ID from the joint center system, and displays the received virtual ID and the usage fee. And sales management apparatus for recording on a recording medium as billing data, consists of, the settlement engine-side system, and credit card use database that records in association with the usage fee and credit force over de number of the user Receiving the billing data recorded on the recording medium in the business operator system, extracting the virtual ID in the billing data, and transmitting the extracted virtual ID to the joint center system. Inquires about the credit card number associated with the ID, receives the credit card number from the shared center system, and uses the received credit card number and the usage fee in the billing data as the credit card usage And a charge billing device for recording in a database, wherein the joint center system records the user identification information, the virtual ID, and the credit card number of the user in association with each other and records the database. When the above-mentioned user identification information is received, the The virtual ID associated with the identification information is extracted from the business operator integrated virtual ID database, the extracted virtual ID is transmitted to the business operator system, and when the virtual ID is received from the payment institution side system, A settlement system, which is a device for extracting a credit card number associated with a virtual ID from the business operator integrated virtual ID database and transmitting the extracted credit card number to the settlement institution side system.

[0034] With this configuration, in the invention using the joint center, not only the billing data is transmitted and received through the network, but also the magnetic disk, the magneto-optical disk, the optical disk, the magnetic tape, etc. The billing data can be recorded on various types of recording media, and the billing data can be exchanged.

[0035] In the various inventions described above, the credit card number recorded in the payment institution-side virtual ID database, the integrated virtual ID database, or the business operator integrated virtual ID database includes at least one or more virtual IDs. It is also good to record in connection with.

[0036] By doing so, the payment with the same credit card can be performed when multiple virtual IDs are settled, that is, when one person has multiple IC cards or the like or when multiple entities are settled. Becomes possible. In addition, the same credit card can be settled when a plurality of persons, for example, family members each have an IC card, or when each person performs settlement for each business operator.

[0037] In the various inventions described above, the virtual ID may be used in the payment system. A payment system common to each user may be used.

[0038] Thereby, the association between the virtual ID and the credit card number in the payment institution virtual ID database can be reduced, and the data amount can be reduced. That is, a virtual ID may be provided for each company, but in that case, each company has an association between the virtual ID and the credit card number. However, as described above, by sharing a virtual ID between multiple operators, the data amount can be reduced because only one credit card number is required for each virtual ID. It becomes.

Further, the transportation means is a railway, the reading device is an automatic ticket gate installed at a ticket gate of a station, and the control device is a ticket gate control device for controlling one or more of the automatic ticket gates. There should be a payment system.

[0040] The above-described invention is preferably used in a railway, in which case the transportation is a railway, and the reading device is an automatic ticket gate installed at a ticket gate of a station, The above-mentioned control device is a settlement system, which is a ticket gate control device for controlling one or more automatic ticket gates.

[0041] In each of the above inventions, the transportation-side system further includes a use limit frame setting device that writes an IC card use limit frame in the IC card, and the use of the joint center system includes The joint center virtual ID database or the integrated virtual ID database further records the virtual ID use limit frame and the assigned use limit frame in association with each other, and the use limit frame setting device requests the IC card to be assigned. Receiving the input of the IC card usage limit frame, reading the IC card identification information, transmitting an inquiry to the joint center system as to whether the usage limit frame can be set together with the IC card identification information, After receiving the notification that the setting is possible from the joint center system, record the IC card usage limit frame for which the input has been received on the IC card, and The joint center system transmits the recorded IC card use limit frame to the system, and the joint center system uses the IC card identification information based on the inquiry received from the use limit frame setting device and the IC card identification information. The virtual ID use limit frame and the assigned use limit frame corresponding to the virtual ID associated with the IC card identification information are extracted from the ID database or the integrated virtual ID database, and the assigned The use limit frame is added to the desired IC card use limit frame received by the use limit frame setting device, and if the sum is equal to or less than the extracted virtual ID use limit frame, the use limit frame setting device is used. After sending the notification that the setting is possible, and receiving the recorded IC card use limit from the use limit setting device, the use limit is set to the assigned use limit for the virtual ID associated with the IC card identification information. It is also good as a payment system, adding this and updating it as a new granted usage limit.

[0042] As described above, by recording the IC card usage limit frame usable by the IC card on the IC card, it is possible to prevent the user from using the credit card beyond the credit power. Also, if the user loses or steals the IC card, the damage can be suppressed within the IC card usage limit.

When a use limit frame is provided, the present invention may be configured as in the present invention. That is, the joint center virtual ID database or the integrated virtual ID database of the joint center system further records a virtual ID usage limit frame in association with the system, and the transportation-side system stores the IC card identification information. When transmitting an inquiry for a virtual ID corresponding to the above, the joint center system also transmits the amount of charge or the usage fee of the IC card, and the joint center system transmits the joint center virtual based on the IC card identification information in the inquiry. The ID database extracts the virtual ID and the virtual ID usage limit frame from the integrated virtual ID database, and calculates the appropriation amount or the total usage fee of the IC card identification information associated with the extracted virtual ID, which is If the virtual ID is within the virtual ID usage limit, the extracted virtual ID is transmitted to the transportation institution side system and the calculated ID is calculated. If the sum is greater than the virtual ID usage limit, the IC card identification information associated with the virtual ID is created as negative data, and the extracted virtual ID and the negative data are transmitted to the transportation system. System.

In addition, in the case of a company other than a transportation company, the following configuration may be adopted. That is, the operator virtual ID database or the operator integrated virtual ID database of the above-mentioned joint center system further records a virtual ID usage limit frame in association with the user ID. When sending an inquiry for a virtual ID corresponding to information, the usage fee used by the user is also sent, and the The system extracts the virtual ID and the virtual ID usage limit from the operator virtual ID database or the operator integrated virtual ID database based on the user identification information in the inquiry, and Calculate the total of the usage fee used by the user of the user identification information associated with the above, and if it is equal to or less than the virtual ID usage limit frame, the extracted virtual ID for the business operator system If the calculated total is greater than the virtual ID usage limit, user identification information associated with the virtual ID is created as negative data, and the extracted virtual ID and the This is a payment system that transmits negative data.

The invention's effect

With this configuration, it is not necessary to record the IC card usage limit frame on the IC card. Therefore, the user does not need to apply for an IC card usage limit frame before starting to use it.

BEST MODE FOR CARRYING OUT THE INVENTION

An example of the system configuration of the present invention will be described with reference to the conceptual diagram of FIG. 1 and the system configuration diagram of FIG. In this embodiment, a case where a railway (including a subway) is used as a transportation system used by a user will be described. However, other transportation systems such as a bus, an airplane, and a taxi may be used.

[0047] The conceptual diagram in Fig. 1 (a) shows a conceptual diagram in a case where a user gets on a transportation system of company A using the IC card 4 and the settlement is performed according to the present invention. The conceptual diagram of (b) shows a conceptual diagram in the case where a user gets on the transportation of companies A and B using the IC card 4 and the settlement is performed according to the present invention. FIG. 4 shows a system configuration diagram of the payment system 1 of the present invention. The transportation system 2 is a system of a transportation company, and the payment system 3 is a system of a credit card company. Can transmit and receive data via the network 5.

[0048] The IC card 4 is a contact-type or non-contact-type boarding card used when a user uses transportation, and is a card on which specific information can be recorded. The IC card 4 is provided with an IC chip, and the IC card identification information for identifying the IC card 4 or the user and the amount are recorded. The transportation system 2 has an automatic ticket gate 6, a ticket gate control device 7, a management device 8, a transportation utilization database 10, and a transportation virtual ID database 9.

The automatic ticket gate 6 is a device that communicates with the user's IC card 4 by contact or non-contact with the IC card 4 to read or write information. That is, when a user enters or exits a ticket gate of a station, the IC card 4 is recorded on the IC card 4 by contacting or not contacting the automatic ticket gate 6 with the automatic ticket gate 6. This device reads IC card identification information and transportation use information (information on entry, information on departure, their time, etc.), and makes it possible to make payments later using the auto-charge method or the post-payment method. Although only one automatic ticket gate 6 is shown in FIG. 4, a plurality of automatic ticket gates are usually provided.

When the user enters the station, the automatic ticket gate 6 records the entry time and information for identifying the station on the IC card 4. Then, when the user enters the station, the usage fee is calculated based on the information for identifying the station recorded when entering the station. If the payment method is an auto-charge method, the remaining amount in the IC card 4 is checked, and if the amount is less than a predetermined amount, a predetermined amount is automatically applied in that case. Reduce fees. Then, the amount of money allocated to the IC card 4 and the IC card identification information are transmitted to the ticket gate control device 7 described later. On the other hand, when the payment method is the postpayment method, the calculated usage fee and its IC card identification information are transmitted to the ticket gate control device 7 described later.

The ticket gate control device 7 is a device provided at least one or more in each station, and is a device that performs various controls of each automatic ticket gate 6. For example, it is a device that records the IC card identification information and the transportation use information read by the automatic ticket gate 6 in a transportation use database 10 described later.

When the payment method is the auto-charge method, the IC card identification information received from the automatic ticket gate 6 and the amount allocated to the IC card 4 are recorded in the transportation use database 10. When the payment method is the postpayment method, the IC card identification information received from the automatic ticket gate 6 and the usage fee used by the user having the IC card 4 are recorded in the transportation use database 10. In any case, the management device 8 It is preferable to transmit the data recorded in this database every time.

[0054] The management device 8 is a device provided at least one or more in the transportation company, and the usage record (IC card identification information and IC card identification information) recorded in the transportation usage database 10 by the ticket gate control device 7 of each station. Based on the (appropriation amount Z usage amount) and the transportation-side virtual ID database 9 described later, this is a device for transmitting billing data of transportation through the network 5 to the settlement-institution side system 3 of the credit card company. .

When the payment method is the auto-charge method, the IC card identification information recorded in the transportation use database 10 and the amount allocated to the IC card 4 are received from the ticket gate control device 7 and the traffic Extracts the virtual ID assigned to the card user in advance that is associated with the IC card identification information recorded in the institution's virtual ID database 9 and applies the extracted virtual ID to the IC card 4 The calculated amount and the billing data are transmitted to the settlement institution side system 3 via the network 5.

When the payment method is the postpayment method, the IC card identification information recorded in the transportation use database 10 and the usage fee used by the user having the IC card 4 are received from the ticket gate control device 7. The virtual ID associated with the IC card identification information recorded in the transportation side virtual ID database 9 described later and extracted in advance for the card user is extracted, and the extracted virtual ID and the IC card are extracted. The fee used by the user in (4) is transmitted to the settlement institution side system 3 via the network 5 as request data.

When the payment method is the auto-charge method, the transportation means database 10 is a database that records the IC card identification information and the amount applied to the IC card 4, and the payment method is the post-pay method. In the case of, the database records the IC card identification information and the usage fee used by the user of the IC card 4. Fig. 5 shows a conceptual diagram of the transportation use database 10. Fig. 5 (a) is a conceptual diagram for the auto-charge method, and Fig. 5 (b) is a conceptual diagram for the post-pay method.

The transportation-side virtual ID database 9 is a database that records a virtual ID assigned to a user in advance and IC card identification information in association with each other. Figure 6 shows a conceptual diagram of the virtual ID database 9 on the transportation side.

[0059] The settlement institution side system 3 sends the billing data from the transportation institution side system 2 via the network 5. Data is received, the virtual ID is converted from the billing data into a credit card number, and recorded as a credit card usage record. The settlement institution side system 3 has a billing device 11, a settlement institution side virtual ID database 12, and a credit card use database 13. The recorded credit card usage record is charged to the user as a credit card use by a known method.

The billing device 11 extracts the virtual ID in the billing data received from the transportation system 2, and stores the credit card number associated with the virtual ID into the payment institution virtual ID database 12 described later. extracted from the usage record of the credit card of the user of the extracted credit card number, an apparatus for recording the amount of the billing data to the credit card utilization database 1 _3.

[0061] The settlement institution side virtual ID database 12 is a database that records a virtual ID assigned to a user in advance and a credit card number in association with each other. Figure 7 shows a conceptual diagram of the payment institution virtual ID database 12.

[0062] The credit card usage database 13 is a database in which credit card numbers and their usage amounts are recorded. Figure 8 shows a conceptual diagram of the credit card database 13.

Example 1

Next, an example of the process flow of the present invention in the case shown in FIG. 1A will be described in detail with reference to the flowchart in FIG. 2, the conceptual diagram in FIG. 1, and the system configuration diagram in FIG. explain.

[0064] The user using the transportation means makes the automatic ticket gate 6 contact or non-contact with the automatic ticket gate 6 when entering the station, so that the entry time of the IC card 4 Is recorded on the IC card 4.

[0065] Then, when entering from the station, the IC card 4 is brought into contact with or not in contact with the automatic ticket gate 6 at the ticket gate in the same manner as when entering, so that it is recorded on the IC card 4 when entering. At the time of admission OY | J, read the information to identify the station that entered (S100). By reading this, the automatic ticket gate 6 calculates the usage fee of the user.

[0066] At this time, if the payment method is the auto charge method, the remaining amount in the IC card 4 is checked.

If the amount is less than the predetermined amount, the predetermined amount is automatically applied and The usage fee will be reduced. Then, the amount allocated to the IC card 4 and the identification information for identifying the IC card 4 are transmitted to the ticket gate control device 7 of the station. Therefore, if the remaining amount of the IC card 4 is larger than the predetermined amount, the amount is not automatically allocated, and only the remaining amount usage fee is reduced.

On the other hand, if the payment method is the postpayment method, the usage fee calculated when the payment is read from the IC card 4 and the IC card identification information are transmitted to the ticket gate control device 7.

[0068] The ticket gate control device 7 receives the information transmitted from the automatic ticket gate 6 and records the information in the transportation use database 10 (S110). If the payment method is the auto-charge method, it is recorded as shown in Fig. 5 (a), and if it is the post-payment method, it is recorded as shown in Fig. 5 (b).

[0069] In FIG. 5 (a), the IC card identification information is automatically applied to the user of "11111" for 1,000 yen, and to the user of "22222", 500 yen is automatically applied. 2,000 yen is automatically allocated to users of "33333". The amount to be allocated may be set by the user when applying for use of the transportation IC card 4, or may be determined in advance by the transportation organization. In the above-mentioned example, the case where the user sets and checks is set as an example.

[0070] For example, if the balance of the IC card 4 of the user of "11111" is 300 yen and it is set to automatically apply when the balance is less than 500 yen, the automatic ticket gate 6 will be used for entry. At that time, the remaining amount is less than 500 yen, so 1,000 yen will be automatically allocated, and the transportation fee for IJ, for example, 380 yen will be reduced. Therefore, 300 yen + 1,000 yen-380 yen = 920 yen power S As the new balance of IC card 4, it is recorded on IC card 4 by automatic ticket gate 6. In addition, since automatic ticket gate 6 has allocated 1,000 yen to the user of “11111”, that information (information of IC card identification information “11111” and the allocated amount of 1,000 yen) To the ticket gate control device 7, and the ticket gate control device 7 records it in the transportation use database 10.

[0071] On the other hand, in Fig. 5 (b), the user of the IC card identification information power "11111" charges a usage fee of 380 yen.

(Riding fare), the automatic ticket gate 6 transmits the information (information on the IC card identification information “11111” and the usage fee of 380 yen) to the ticket gate control device 7. The ticket gate control device 7 records this in the transportation use database 10.

[0072] Such transmission of information from the automatic ticket gate 6 to the ticket gate controller 7 is performed in real time. It may be performed, or may be performed in a batch process.

The ticket gate control device 7 transmits information recorded in the transportation use database 10 to the management device 8 at predetermined time intervals or irregularly. Then, based on the received information, the management device 8 searches the transportation-side virtual ID database 9 and extracts the virtual ID associated with the IC card identification information (S120). The extracted virtual ID and the allocated amount or usage fee are transmitted as billing data to the settlement institution side system 3 via the network 5 (S130). The creation of the billing data and the transmission to the settlement institution side system 3 may be performed at various timings such as daily, weekly, monthly, and the like.

When the settlement method is the auto-charge method, the management device 8 receives the IC card identification information recorded in the transportation use database 10 and the amount allocated to the IC card 4 from the ticket gate control device 7. I do. For example, in the case of Fig. 5 (a), the identification information of “11111” and the information of the allocation amount of 1,000 yen, the identification information of “22222” and the information of the allocation amount of 500 yen, the identification information of “33333” and the allocation amount of 2, Receives the amount allocated to each piece of identification information, such as 000 yen information. Then, the management device 8 stores the virtual IDs “A” and “B” and “33333” associated with “11111” and “22222” recorded in the transportation-side virtual ID database 9. The virtual ID “C” associated with is extracted and the virtual ID “A” and the allocation amount of 1,000 yen, the virtual ID “B” and the allocation amount of 500 yen, and the virtual ID “C” and the allocation amount of 2,000 yen The billing data is transmitted to the settlement institution side system 3.

On the other hand, if the settlement method is the postpayment method, the IC card identification information recorded in the transportation means database 10 and the usage amount of the IC card 4 are received from the ticket gate control device 7. For example, in the case of Fig. 5 (b), the identification information of "11111" and the information of the use amount of 380 yen, the identification information of "222 22" and the information of the use amount of 510 yen, the identification information of "33333" and the use amount of 1, 040 The usage fee for each piece of identification information such as information on a circle is received. Then, the management device 8 records the virtual IDs “A”, “B”, and “33333” associated with “11111”, “A”, and “22222” recorded in the transportation agency-side virtual ID database 9. ”, The virtual ID“ A ”and the usage fee of 1,000 yen, the virtual ID“ B ”and the usage amount of 510 yen, the virtual ID“ C ”and the usage amount of 1,040 yen Is transmitted to the settlement institution side system 3 as billing data. The settlement institution side system 3 receives the billing data from the transportation institution side system 2 via the network 5 (S140). The settlement institution side system 3 receiving the billing data, the charge billing device 11 extracts the virtual ID in the received billing data and outputs the credit card number associated with the virtual ID from the payment institution side virtual ID database 12. It is extracted (S150).

In the above example, the charge requesting apparatus 11 searches the settlement institution side virtual ID database 12 of FIG. 7, and finds the credit card number “1234-5678-901 2” associated with the virtual ID “A”. —3456 ”, credit card number“ 0987—6543—210 9—8765 ”associated with virtual ID“ B ”, credit card number“ 4321—8765—210 9-6543 ”associated with virtual ID“ C ”, etc. Is extracted.

[0078] After extracting the credit card number in S150, the billing device 11 records the credit card number and the applied amount / charge in the credit card use database 13 as the use of the credit card (S160). .

When the payment method is the auto-charge method, the credit card number “1234—5678—9012—3456” associated with the virtual ID “A” and the appropriation amount “1,000 yen” are assigned to the virtual ID “A”. The credit card number “0987—6543—2109—8765” associated with “B” and the appropriation amount “500 yen” are converted to the credit card number “4321-876 5-2109-6543” associated with the virtual ID “C”. And the appropriated amount of “2,000 yen” are recorded as shown in Fig. 8 (a).

[0080] On the other hand, when the settlement method is postpayment, the credit card number "1234—5678—9012—3456” associated with the virtual ID “A” and the IJ amount “380 yen” The credit card number “0987_6543_2109_8765” associated with the virtual ID “B” and the usage amount “510 yen” are converted to the credit card number “4321—8765-2 109—6543” associated with the virtual ID “C”. The usage fee “1,040 yen” is recorded as shown in Fig. 8 (b).

[0081] After recording the amount of money for each user in the credit card usage database 13 in this way, the user is billed at a predetermined time in the same manner as in a known credit card billing method (S170).

With the above-described configuration and processing process, even if the IC card identification information is changed due to the user losing the IC card 4 and performing a reissue procedure or the like, the exchange is performed. i The business operator of Seki does not need to send the change of the IC card identification information to the clearing house. It is only necessary to change the association between the IC card identification information of step 9 and the virtual ID.

Example 2

[0083] In addition to the case described above, as shown in FIG. 1 (b), a case where one user uses a plurality of IC cards 4 and the usage amount is performed by one credit card is used. It may be. In such a case, each transportation facility is provided with the transportation-side system 2 described above. In addition, one virtual ID, that is, a virtual ID common to each company, is assigned to the user X in advance in the entire payment system 1. For example, the IC card identification information of Company A is associated with “11 111” and its virtual ID power S “A”, and the IC card identification information of Company B of the same user X is “aaaaa” and its virtual ID power is “aaaaa”. The ID is associated with "A". That is, in both Company A and Company B, the IC card identification information of User X is associated with virtual ID “A”. Fig. 9 shows a conceptual diagram of the transportation side virtual ID database 9 in such a case. FIG. 9 (a) shows the virtual ID database 9 on the transportation side of Company A, and FIG. 9 (b) shows the virtual ID database 9 on the transportation side of Company B.

With the above configuration, each company can perform its own processing. Therefore, if the user loses the IC card 4 of company A, for example, company A only changes the association between the IC card identification information and the virtual ID in its own transportation-side virtual ID database 9. However, if the user loses the IC card 4 of Company B, Company B only changes the association between the IC card identification information and the virtual ID in its own transportation agency virtual ID database 9.

[0085] Even if there are a plurality of transportation-side systems 2, the billing data transmitted to the settlement-institution side system 3 indicates that the settlement system 1 uses a common virtual ID for the user (IC card 4). Since there is only the amount of money, the settlement institution side system 3 has only one company and the transportation institution side system 2 exists.

[0086] Also, instead of using a plurality of IC cards 4 for each means of transportation, the user can record the IC card identification information, the balance, etc. of a plurality of businesses for each means of transportation on one IC card 4. You By doing so, it is not necessary to have an IC card 4 for each transportation.

[0087] It should be noted that such a plurality of transportation means is not limited to only the transportation means in Japan. The overseas transportation means and the transportation means in Japan have concluded a partnership regarding mutual use of the IC card 4. As a result, the present payment system 1 can be used similarly. In this case, the claim of the overseas transportation may be made in the local currency, or the settlement institution side system 3 may automatically convert the bill into Japanese yen using the conversion rate and make the bill. . In this way, when a Japanese user uses an overseas transportation system, the overseas transportation system also uses the auto charging system or the post-payment payment system, and the payment is made by credit card It will be possible to do it later. Example 3

Further, the plurality of IC cards 4 described above are not limited to possession by the same user. That is, for example, each family owns and uses a different IC card 4, and it is okay to charge only one credit card number.

That is, by associating one credit card number with a plurality of virtual IDs in the settlement institution side virtual ID database 12, billing can be performed collectively. FIG. 10 shows a conceptual diagram of the settlement agency side virtual ID database 12 in such a case.

For example, when there is a user X having an IC card 4 in which IC card identification information "22222" is recorded and a user Y having an IC card 4 in which IC card identification information "44444" is recorded In the case where user X and user Y have previously applied for payment from the same credit card number “098 7—6543—2109—8765”, the virtual ID database on the settlement institution side 12, the credit card number associated with the virtual ID “B” and the virtual ID “D” as shown in FIG. 10 is recorded as “0987-6543-2109-8876”.

Thus, even if billing data relating to virtual ID “B” and billing data relating to virtual ID “D” are received from transportation system 2, the same credit card number “0987-6 543-2109- 8765 ”will be able to make power payments.

Example 4

[0091] In the settlement system 1 in the case of Embodiments 1 to 3, Database 9 and the virtual ID database 12 on the settlement institution side may be provided in the shared center system 14 which is a different system from the system 2 on the transportation side and the system 3 on the settlement side. The conceptual diagrams in this case are shown in Figs. 11 (a) and 11 (b).

[0092] The conceptual diagram of Fig. 11 (a) is a case where a joint center virtual ID database 15 which is the same database as the transportation side virtual ID database 9 of Fig. 4 is installed in the joint center system 14, The conceptual diagram in Fig. 11 (b) shows a database in which the virtual ID database 9 on the transportation side and the virtual ID database 12 on the settlement institution in Fig. 4 are integrated into the joint center system 14, that is, IC card identification information. This is a case where there is an integrated virtual ID database 16 in which a virtual ID and a credit card number are associated with each other. Fig. 13 shows the system configuration in the case of Fig. 11 (a), and Fig. 14 shows the system configuration in the case of Fig. 11 (b).

First, an example of the system configuration in the case of FIG. 11A will be described with reference to the system configuration diagram of FIG. The description of the same parts as those of the first embodiment will be omitted.

[0094] The IC card 4 is a contact-type or non-contact-type boarding card used when a user uses transportation, and is provided with an IC chip as in the case of the first embodiment. Identification information and amount are recorded.

The transportation system 2 has an automatic ticket gate 6, a ticket gate control device 7, a management device 8, and a transportation utilization database 10.

The automatic ticket gate 6, the ticket gate control device 7, and the transportation use database 10 are the same as those in the first embodiment.

[0097] The management device 8 is a device provided at least one or more in a transportation company, and the usage record (IC card identification information and IC card identification information) recorded in the transportation usage database 10 by the ticket gate control device 7 of each station. Queries the virtual ID associated with the IC card identification information in (appropriation amount Z usage amount) to the joint center system 14, and inputs the received virtual ID and the applied amount / usage amount as billing data. This is a device that transmits to the settlement system 3 of the credit card company via the network 5.

[0098] When the payment method is the auto-charge method, the IC card identification information recorded in the transportation means database 10 and the amount allocated to the IC card 4 are received from the ticket gate control device 7, and the IC card identification By transmitting information to the joint center system 14, The virtual ID associated with the IC card identification information is interrogated and matched, and the virtual ID as an inquiry result is received from the joint center system 14. Then, the received virtual ID and the allocated amount are transmitted to the settlement institution side system 3 via the network 5 as billing data.

[0099] When the settlement method is the postpayment method, the IC card identification information recorded in the transportation means database 10 and the usage fee used by the user having the IC card 4 are received from the ticket gate control device 7. By transmitting the IC card identification information to the joint center system 14, the virtual ID associated with the IC card identification information is inquired, the inquiry is received from the joint center system 14, and the virtual ID that is the matching result is received. I do. Then, the received virtual ID and the usage fee are transmitted to the settlement institution side system 3 via the network 5 as billing data.

[0100] The joint center system 14 is a system capable of transmitting and receiving data to and from the transportation system 2 via the network 5, and has a joint center virtual ID database 15.

[0101] The joint center virtual ID database 15 is similar to the transportation-side virtual ID database 9 of the first embodiment, and associates a virtual ID given to a user in advance with IC card identification information. It is a database to record. Therefore, the conceptual diagram of the joint center virtual ID database 15 is the same as that of FIG.

[0102] The joint center system 14 extracts the virtual ID associated with the IC card identification information from the joint center virtual ID database 15 based on the IC card identification information received from the transportation-side system 2, and outputs the extracted virtual ID. To the transportation-side system 2.

[0103] The settlement institution side system 3 receives the billing data from the transportation agency side system 2 via the network 5, converts the virtual ID into a credit card number from the billing data, and records it as a credit card usage record. I do. The payment institution system 3 has a billing device 11, a payment institution virtual ID database 12, and a credit card usage database 13.The payment institution system 3, the billing device 11, and the payment institution virtual ID database. 12. The credit card usage database 13 is the same as the settlement institution side system 3 of the first embodiment. Next, an example of the process flow of the present invention in the case shown in FIG. 11A will be described with reference to the flowchart of FIG. 15, the conceptual diagram of FIG. 11A, and the system configuration diagram of FIG. explain.

[0105] The user causes the automatic ticket gate 6 to read the IC card 4, and the ticket gate control device 7 records the appropriation amount / use amount in the transportation use database 10 when using the automatic charge system or the postpay system. The processes up to fi, S200 and S210 are the same as S100 and S110 in the first embodiment.

The ticket gate control device 7 transmits the information recorded in the transportation use database 10 to the management device 8 at predetermined time intervals or irregularly. Then, the management device 8 transmits the virtual ID associated with the IC card identification information by transmitting the IC card identification information of the received information (IC card identification information, appropriation amount Z usage amount) to the joint center. Then, a question is asked and matched with the joint center system 14 (S220).

[0107] The joint center that has received the IC card identification information creates a joint center virtual ID database.

The virtual ID associated with the IC card identification information is extracted from 15 and transmitted as a result to the transportation system 2.

[0108] The management device 8 of the transportation system 2 receives the virtual ID transmitted by the joint center system 14 (S230), and uses the virtual ID and the allocated amount / usage amount as billing data as a settlement institution of the credit card company. It transmits to the local system 3 via the network 5 (S240).

[0109] When the payment method is the auto-charge method, the IC card identification information recorded in the transportation means database 10 and the amount allocated to the IC card 4 are received from the ticket gate control device 7, and the IC card identification By transmitting the information to the joint center system 14, the virtual ID associated with the IC card identification information is inquired, and the virtual ID as the inquiry result is received from the joint center system 14.

[0110] For example, when the transportation use database 10 is the same as that in Fig. 5 (a), the IC card identification information of "11111" is transmitted to the common center system 14, and the joint center system 14 receiving the same transmits the IC card identification information. The virtual IDs “A”, “B”, and “C” associated with the IC card knowledge “11111”, “22222”, and “33333” are extracted from the joint center virtual ID database 15. (The contents of the joint center virtual ID database 15 are shown in Figure 6 Base 9). Then, the joint center system 14 transmits the extracted virtual IDs “A”, “B”, and “C” to the transportation-side system 2, and the management device 8 receives it. The management device 8 requests the virtual ID “A” and the allocation amount “1,000 yen”, the virtual ID “B” and the allocation amount “500 yen”, and the virtual ID “C” and the allocation amount “2,000 yen”. The data is transmitted to the settlement institution side system 3 as data.

[0111] If the payment method is the postpayment method, the IC card identification information recorded in the transportation means database 10 and the usage fee for the IC card 4 are received from the ticket gate control device 7, and the IC card identification information is received. Is transmitted to the joint center system 14 to inquire about the virtual ID associated with the IC card identification information, and receive the inquiry result virtual ID from the joint center system 14.

[0112] For example, when the transportation use database 10 is the same as that in Fig. 5 (b), the IC card identification information of "11111" is transmitted to the joint center system 14, and the joint center system 14 receiving the same transmits the IC card identification information. Extract the virtual IDs "A", "B", and "C" associated with the IC card identifications "11111", "22222", and "33333" from the joint center virtual ID database 15 (It is assumed that the contents of the joint center virtual ID database 15 are the same as those of the transportation side virtual ID database 9 in FIG. 6). Then, the joint center system 14 transmits the extracted virtual IDs “A”, “B”, and “C” to the transportation-side system 2, and the management device 8 receives it. The management device 8 uses the virtual ID “A” and the usage fee “380 yen”, the virtual ID “B” and the usage fee “510 yen”, the virtual ID “C” and the usage fee “1,040 yen” as billing data. Send to settlement institution side system 3.

[0113] The settlement institution side system 3 transmits the billing data to the transportation institution side system via the network 5.

2 (S250). The settlement institution side system 3 that has received the billing data extracts the virtual ID in the billing data received by the billing device 11 and stores the credit card number associated with the virtual ID in the settlement institution side virtual ID database 12. (S260).

[0114] In the above example, the billing apparatus 11 searches the payment institution side virtual ID database 12 of Fig. 7 and finds the credit card number "1234-5678-901 2" associated with the virtual ID "A". —3456 ”and the credit card number“ 0987—6543—210 associated with the virtual ID “B” 9-8765 "and the credit card number" 4321-8765-210 9-1 6543 "associated with the virtual ID" C ".

[0115] After the credit card number is extracted in S260, the billing device records the credit card number and the appropriated amount / charge in the credit card usage database 13 as credit card use (S270).

[0116] When the payment method is the auto-charge method, the credit card number "1234—5678—9012—3456” associated with the virtual ID “A” and the appropriation amount “1,000 yen” are assigned to the virtual ID “ The credit card number “0987—6543—2109—8765” associated with “B” and the appropriation amount of “500 yen” are converted to the credit card number “4321—876 5—2109—6543” associated with the virtual ID “C”. And the appropriated amount of “2,000 yen” are recorded as shown in Fig. 8 (a).

[0117] On the other hand, when the payment method is the postpayment method, the credit card number "1234-5678-9012-3456" associated with the virtual ID "A" and its IJ amount "380 yen" are converted to the virtual ID The credit card number “0987_6543_2109_8765” associated with “B” and its usage amount “510 yen”, and the credit card number “4321—8765-2 109-6543” associated with the virtual ID “C” and its usage amount Record "1,040 yen" as shown in Fig. 8 (b).

[0118] After recording the amount of money for each user in the credit card usage database 13 in this way, the user is billed at a predetermined time in the same manner as in the known credit card billing method (S280).

[0119] By performing the above configuration and processing, even if the credit card number is changed due to the user losing the credit card number and performing reissue procedures, etc., There is no need for the operator to make any changes. Also, since the credit card number is not held by the transportation agency, the sense of security for the user is increased.

Example 5

In the case where the shared center system 14 is provided as described above, the payment institution virtual ID database 12 may be provided in the shared center system 14 instead of being provided in the payment institution system 3. This case is the case of FIG. 11B as described above. The system configuration diagram in the case of FIG. 11 (b) is shown in the system configuration diagram of FIG.

[0121] In the system configuration diagram of Fig. 14, the transportation system 2 is the same as that of the fourth embodiment described above. It is the same as the transit system 2.

The joint center system 14 is a system capable of transmitting and receiving data via the network 5 with the transportation system 2 and the settlement system 3 and has an integrated virtual ID database 16.

[0123] The integrated virtual ID database 16 is a database in which the transportation agency-side virtual ID database 9 and the settlement agency-side virtual ID database 12 of Embodiment 1 are integrated into one, that is, IC card identification information, a virtual ID, and a credit card number. Is the database associated with. Figure 23 shows a conceptual diagram of the integrated virtual ID database 16.

[0124] The joint center system 14 extracts a virtual ID associated with the IC card identification information from the integrated virtual ID database 16 based on the IC card identification information received from the transportation-side system 2, and extracts it from the traffic information. Send to institution side system 2. Further, based on the virtual ID received from the settlement institution side system 3, the credit card number associated with the virtual ID is extracted from the integrated virtual ID database 16 and transmitted to the settlement institution side system 3. .

[0125] The settlement institution side system 3 receives the billing data from the transportation agency side system 2 via the network 5, extracts the virtual ID in the billing data, and transmits it to the joint center system 14. By doing so, it makes an inquiry about the credit card number associated with the virtual ID and receives the credit card number. The credit card number is recorded in the credit card usage database 13 as the credit card number usage record. The settlement institution side system 3 has a charge billing device 11 and a talent card use database 13.

The billing device 11 extracts the virtual ID in the billing data received from the transportation system 2, and transmits the virtual ID to the shared center system 14, so that the credit card associated with the virtual ID is extracted. Inquire about the number. Then, the credit card number associated with the virtual ID is received from the joint center system 14, and the amount of the billing data is recorded in the credit card usage database 13 as a credit card usage record of the user of the received credit card number. It is a device to do.

[0127] The credit card usage database 13 is the same as in the first embodiment, This is a database in which the code numbers and their usage amounts are recorded.

Next, an example of the process flow of the present invention in the case shown in FIG. 11 (b) will be described with reference to the flowchart of FIG. 16, the conceptual diagram of FIG. 11 (b), and the system configuration diagram of FIG. explain.

[0129] After the user causes the automatic ticket gate 6 to read the IC card 4, the automatic charging method or the post-payment method is used, and the transportation system 2 transmits the billing data to the payment institution system 3 The process up to this point is similar to that of S200 to S240 in the fourth embodiment, except that S300 and S240 are replaced by the joint center virtual ID database 15 of the joint center system 14 and the integrated virtual ID database 16. Therefore, description of S300 and S340 will be omitted.

[0130] The settlement institution side system 3 transmits the billing data to the transportation institution side system via the network 5.

2 is received (S350). The settlement institution side system 3 that has received the billing data extracts the virtual ID in the billing data received by the billing device 11 and transmits the extracted virtual ID to the joint center system 14 to associate the extracted virtual ID with the virtual ID. Inquire about the credit card number provided (S360).

[0131] Having received the virtual ID from the settlement institution side system 3, the joint center system 14 extracts from the integrated virtual ID database 16 the credit card number associated with the received virtual ID, and stores the virtual ID in the settlement institution side system. Send to 3. The virtual ID is received by the billing device 11 of the payment institution system 3 (S370).

In the above example, the joint center system 14 searches the settlement institution side virtual ID database 12 in FIG. 23, and finds out the credit card number “1234-56 78—9012 associated with the virtual ID“ A ”. —3456 ”, credit card number“ 0987—65 43—2109—8765 ”associated with virtual ID“ B ”, credit card number“ 4321—87 65—2109—6543 ”associated with virtual ID“ C ”, etc. The joint center system 14 transmits the extracted credit card numbers to the settlement institution side system 3.

After extracting the credit card number in S370, the billing device records the credit card number and the applied amount / charge in credit card use database 13 as credit card use (S380).

[0134] If the payment method is the auto charge method, the credit associated with the virtual ID "A" The credit card number “1234—5678—9012—3456” and the appropriation amount of “1,000 yen” and the credit card number “0987—6543—2109—8765” associated with the virtual ID “B” and the appropriation amount “ The credit card number “4321-876 5-2109-6543” associated with the virtual ID “C” and the appropriated amount “2,000 yen” are recorded as shown in FIG. 8 (a).

[0135] On the other hand, when the payment method is postpayment, the credit card number "1234-5678-9012-3456" associated with the virtual ID "A" and its IJ amount "380 yen" The credit card number “0987_6543_2109_8765” associated with the virtual ID “B” and the usage amount “510 yen” are combined with the credit card number “4321—8765-2 109—6543” associated with the virtual ID “C”. The usage amount “1,040 yen” is recorded as shown in Fig. 8 (b).

[0136] After recording the amount of money for each user in the credit card usage database 13 in this way, the user is billed at a predetermined time in a manner similar to a known credit card billing method (S390).

[0137] By performing the above configuration and processing, the user loses the credit card number or the IC card 4 and performs a reissue procedure, and the credit card number or the IC card identification information is changed. Even if it is done, the user only needs to submit the notification to the joint center (joint center system 14), and the change work can be done only once. In addition, since the transportation card company does not hold the tariff card number, users' sense of security is enhanced. Example 6

Further, in Example 4 and Example 5, as shown in the conceptual diagram of FIG. 12, one user uses a plurality of IC cards 4 and the usage amount is performed by one credit card. As good as that. That is, as in the case of the second embodiment, each transportation system is provided with the transportation-side system 2 of the fourth and fifth embodiments. In addition, one virtual ID, that is, a virtual ID common to each company, is assigned to the user in advance in the entire payment system 1. For example, the IC card identification information of company A is associated with “11111” and its virtual ID is associated with “A”, and the IC card identification information of company B of the same user is “aaaaa”, and the virtual ID is “aaaaa”. A ”. That is, in both Company A and Company B, the user's IC card identification information is associated with the virtual ID. FIGS. 24 and 25 show conceptual diagrams of the joint center virtual ID database 15 and the integrated virtual ID database 16 in such a case. [0139] The joint center virtual ID database 15 in Fig. 24 is a database in which the IC card identification information of each transportation company and the virtual ID are associated with each other. This is a database in which the IC card identification information of the business, the virtual ID, and the credit card number are linked.

[0140] By providing such a database in the shared center system 14, if the same processing as in the fourth and fifth embodiments is performed for each transportation company, the settlement institution-side system 3 can be operated by one company's transportation system. In the same processing as in the institutional system 2, a plurality of IC cards 4 are used, and the amount of use can be paid by one credit card.

[0141] By providing the joint center virtual ID database 15 configured as shown in Fig. 24 in the joint center system 14 (that is, in the case of Fig. 12 (a)), when a user loses a credit card, When the credit card number is changed, the user may notify the settlement institution side system 3 of the change.

By providing the integrated virtual ID database 16 configured as shown in FIG. 25 in the shared center system 14 (ie, in the case of FIG. 12B), the user loses the credit card or the IC card 4. Even if the credit card number or the IC card identification information is changed due to the above, the notification may be sent to the joint center system 14. In that case, the joint center system 14 only needs to change the changed credit card number or IC card identification information.

[0143] In the case of FIG. 12 as described above, as in the second embodiment, the plurality of transportation means is not limited to only the transportation means in Japan. It is also possible to use this payment system 1 in the same way by concluding an alliance on mutual use of force 4. In this case, overseas transportation may be billed in the local currency, or the payment institution system 3 may automatically convert the bill into Japanese yen using the conversion rate and bill. Les ,. In this way, when a Japanese user uses an overseas transportation system, the overseas transportation system also uses the transportation system by the auto-charge method or the post-payment method, and the payment is made by credit card. It can be done at a later date.

Example 7 Further, similarly to the third embodiment, the plurality of IC cards 4 described above are not limited to possession by the same user. That is, for example, each family may have and use a different IC card 4, and only a single credit card number may be used for billing.

[0145] In other words, in the settlement institution side virtual ID database 12 (in the case of Fig. 12 (a)) or the integrated virtual ID database 16 (in the case of Fig. 12 (b)), one credit card number and a plurality of temporary By associating with a virtual ID, billing can be performed collectively. The conceptual diagram of the settlement institution virtual ID database 12 in such a case is the same as that of FIG. 10, and the conceptual diagram of the integrated virtual ID database 16 is shown in FIG.

[0146] For example, there is a user X having an IC card 4 in which IC card identification information "22222" is recorded and a user Y having an IC card 4 in which IC card identification information "44444" is recorded. If User X and User Y have previously applied for payment from the same credit card number “098 7—6543—2109—8765”, the settlement institution The virtual ID database 1212 or the integrated virtual ID database 16 indicates that the credit card number associated with the virtual ID “B” and the virtual ID “D” as shown in FIG. 10 or FIG. 26 is “0987-6543—2109—8765”. It will be recorded and recorded.

[0147] Accordingly, even if billing data relating to virtual ID "B" and billing data relating to virtual ID "D" are received from transportation-side system 2, the same credit card number "0987-6 543-2109- 8765 ”will be able to make power payments.

Example 8

[0148] Embodiments 1 to 7 are not limited to transportation companies only, but may be used for credit card payment of telephone charges of a general carrier such as a mobile phone company. Can also be. The conceptual diagrams in this case are shown in FIGS. 17 and 18. Fig. 17 shows a case where the business operator uses the virtual ID recorded in the common center system 14 to transmit a virtual ID and a fee, rather than a credit card number, to the settlement institution side system 3. FIG. 18 shows a case where the same virtual ID is used between a plurality of businesses and the virtual ID is transmitted to the settlement institution side system 3. Further, FIGS. 17 (a) and 18 (a) show the case where the user identification information and the virtual ID on the business side are recorded by the joint center system 14 in FIGS. 17 and 18. 17 (b) and 18 (b) show the situation in FIG. 17 and FIG. This is a case where the user identification information, credit card number, and virtual ID are recorded by the joint center system 14.

[0149] First, the conceptual diagram of Fig. 17 shows that the user enjoys the service provided by the business operator, for example, when the business operator is a mobile phone company, when the user uses a mobile phone, It is a conceptual diagram in the case of performing the charge by credit card settlement.

The system configuration in the case of the conceptual diagram in FIG. 17A will be described with reference to the system configuration diagram in FIG.

[0151] The carrier system 17 is a system possessed by a carrier, such as a mobile phone company, which collects the price of a user by providing some service to the user. It has a device 18 and a business sales database 19.

[0152] The company sales database 19 is a database that records and records the value of services provided to users in association with user identification information that identifies users. For example, if the operator is a mobile phone company, the mobile phone number and customer number of the user and the mobile phone usage fee of the user are recorded in association with each other. Figure 27 shows a conceptual diagram of the business sales database 19.

[0153] When transmitting the billing data for performing the payment to the payment institution system 3 of a credit card company or the like, the sales management device 18 reads the user identification information and the usage fee from the business sales database 19 By extracting the virtual ID from the shared center system 14 by extracting the virtual ID from the shared center system 14 and transmitting the user identification information to the shared center system 14, And the user's usage fee as billing data to the settlement institution side system 3.

The joint center system 14 is a system capable of transmitting and receiving data to and from the business operator system 17 via the network 5, and has a business operator virtual ID database 20.

[0155] The business entity virtual ID database 20 is a database in which user identification information for identifying a user and a virtual ID previously assigned from the settlement system 11 to the user are recorded in association with each other. FIG. 28 shows a conceptual diagram of the company virtual ID database 20.

[0156] Based on the user identification information received from the operator system 17, the joint center system 14 is associated with the user identification information from the operator virtual ID database 20. The virtual ID is extracted and transmitted to the carrier system 17.

[0157] The settlement institution side system 3 receives the billing data from the business system 17 via the network 5, converts the virtual ID into a credit card number from the billing data, and records it as a credit card usage record. . The settlement institution side system 3 has a billing device 11, a settlement institution side virtual ID database 12, and a credit card use database 13. The recorded credit card usage record is charged to the user as a credit card use by a known method.

The billing device 11 extracts the virtual ID in the billing data received from the business system 17 and extracts the credit card number associated with the virtual ID from the payment institution side virtual ID database 12. The credit card usage database 13 records the amount of the billing data as a credit card usage record of the user of the extracted credit card number.

[0159] The payment institution virtual ID database 12 is a database that records and records a virtual ID and a credit card number in association with each other, and is the same as the payment institution virtual ID database 12 of the first embodiment. . Accordingly, the settlement institution side virtual ID database 12 of the present embodiment also shows the conceptual diagram of FIG.

The credit card usage database 13 is a database in which credit card numbers and their usage amounts are recorded in association with each other, and is the same as the credit card usage database 13 of the first embodiment. Therefore, the credit card use database 13 of the present embodiment also shows the conceptual diagram of FIG.

Next, an example of a process flow in the system configuration of FIG. 17A will be described with reference to a flowchart of FIG. 21 and a system configuration diagram of FIG.

[0162] By enjoying some service provided by a business such as a mobile phone, the user can record the usage fee at any time in the business sales database 19 by a known method (

S400).

[0163] The sales management device 18 extracts the user identification information and the usage fee from the business sales database 19 from the business sales database 19 when the deadline for closing the bill of the business comes. Then, the extracted user identification information is transmitted to the joint center system 14. Inquiry and matching of the virtual ID associated with the user identification information are performed (S410).

[0164] The joint center system 14, which has received the user identification information from the enterprise system 17, searches and extracts the virtual ID associated with the user identification information from the enterprise virtual ID database 20. Then, the joint center system 14 transmits the extracted virtual ID to the business operator system 17.

[0165] The virtual ID transmitted by the joint center system 14 is received by the business operator system 17 (S420), and the received virtual ID and the usage fee of the user are transmitted to the settlement institution side system 3 as billing data. (S430).

[0166] The settlement institution side system 3 receives the billing data transmitted in S430 (S440), and extracts a virtual ID in the received billing data. Then, the credit card number associated with the extracted virtual ID is extracted from the settlement institution side virtual ID database 12 (S450), and as a credit card usage record of the user of the extracted credit card number, the charge data The amount is recorded in the credit card database 13 (S460).

[0167] After recording the amount of money for each user in the credit card usage database 13 in this way, the user is billed at a predetermined time in the same manner as in a known credit card billing method (S470).

[0168] Through the above process, even a general business other than a transportation business, for example, a mobile phone company, does not need to notify the business operator of the user's credit card number. Credit card payments can be made with the user's sense of security.

Example 9

The system configuration in the case of the conceptual diagram in FIG. 17B will be described with reference to the system configuration diagram in FIG.

[0170] The business operator system 17 is a system owned by a business operator, for example, a mobile phone company, which collects the price of a user by providing a service to the user, such as a mobile phone company. It has a device 18 and a business sales database 19. The operator system 17 is the same as that of the embodiment 8, and the sales management device 18 and the operator sales database 19 Having. The sales management device 18 and the business sales database 19 are the same as in the eighth embodiment.

[0171] The joint center system 14 is a system capable of transmitting and receiving data to and from the business operator system 17 via the network 5, and has a business operator integrated virtual ID database 21.

[0172] The business operator integrated virtual ID database 21 records the user identification information for identifying the user, the virtual ID previously given from the settlement system 11 to the user, and the credit card number in association with each other. Database. Figure 29 shows a conceptual diagram of the operator integrated virtual ID database 21.

[0173] Based on the user identification information received from the operator system 17, the joint center system 14 extracts a virtual ID associated with the user identification information from the operator integrated virtual ID database 21, and extracts the virtual ID. Is transmitted to the operator system 17. Further, based on the virtual ID received from the settlement institution side system 3, the credit card number associated with the virtual ID is extracted from the enterprise integrated virtual ID database 21 and transmitted to the settlement institution side system 3.

[0174] The settlement institution side system 3 receives the billing data from the business operator system 17 via the network 5, and, based on the virtual ID in the billing data, determines the credit card number associated with the virtual ID. Make an inquiry and record it as a credit card usage record of the credit card number received from the joint center system 14. The payment institution system 3 has a billing device 11 and a credit card usage database 13. The recorded credit card usage record is charged to the user as a credit card use by a known method.

[0175] The billing device 11 extracts the virtual ID in the billing data received from the business system 17 and transmits the extracted virtual ID to the joint center system 14, whereby the credit associated with the virtual ID is obtained. Query the card number. The credit card usage database 13 records the amount of the billing data as a credit card usage record of the user of the credit card number received from the joint center system 14.

The credit card usage database 13 is a database in which credit card numbers and their usage amounts are recorded in association with each other. Same as Base 13. Therefore, the credit card use database 13 of the present embodiment also shows the conceptual diagram of FIG.

Next, an example of a process flow in the system configuration of FIG. 17B will be described with reference to a flowchart of FIG. 22 and a system configuration diagram of FIG.

[0178] By enjoying some service provided by a business such as a mobile phone, the user can record the usage fee in the business sales database 19 at any time by a known method (

S500).

[0179] The sales management device 18 extracts the user identification information and the usage fee from the business sales database 19 from the business sales database 19 when the deadline for closing the bill of the business comes. Then, by transmitting the extracted user identification information to the joint center system 14, an inquiry is made for a virtual ID associated with the user identification information (S510).

[0180] Having received the user identification information from the enterprise system 17, the joint center system 14 searches the business integrated virtual ID database 21 for a virtual ID associated with the user identification information and extracts the virtual ID. Then, the joint center system 14 transmits the extracted virtual ID to the company system 17.

[0181] The virtual ID transmitted by the joint center system 14 is received by the business operator system 17 (S520), and the received virtual ID and the usage fee of the user are transmitted to the settlement institution side system 3 as billing data. (S530).

[0182] The settlement institution side system 3 receives the billing data transmitted in S530 (S540), and extracts the virtual ID in the received billing data. Then, the billing device 11 transmits the extracted virtual ID to the joint center system 14, and inquires about the credit force number associated with the virtual ID.

[0183] The joint center system 14, which has received the virtual ID from the settlement institution side system 3, searches the business integrated virtual ID database 21 for the credit card number associated with the virtual ID and extracts it. Then, the joint center system 14 transmits the extracted credit card number to the settlement institution side system 3.

[0184] Payment institution side system 3 that received the credit card number from Kyodo Center System 14. The charge billing device 11 (S560) records the amount of the billing data in the credit card use database 13 as a credit card use record of the user of the received credit card number (S570).

[0185] After recording the amount of money for each user in the credit card usage database 13 in this way, the user is billed at a predetermined time in a manner similar to a known credit card billing method (S580).

[0186] Through the above process, even a general business other than a transportation business, for example, a mobile phone company, does not need to notify the business operator of the user's credit card number. Credit card payments can be made with the user's sense of security.

Example 10

[0187] Further, in Example 8 and Example 9, as shown in the conceptual diagram of Fig. 18, one user uses a plurality of businesses, and the usage amount is performed by one credit card. It is good. That is, as in the case of the second and sixth embodiments, each of the operators is provided with the operator system 17 of the eighth or ninth embodiment. Also, one virtual ID, that is, a virtual ID common to each company, is assigned to the user in advance in the entire payment system 1. For example, as in the second embodiment, the user identification information of company A is associated with “11111”, its virtual ID is associated with “A”, and the user identification information of company B of the same user is "Aaaaa", the virtual ID is associated with "A". That is, in both Company A and Company B, the user identification information of the user is associated with the same virtual ID. FIGS. 30 and 31 show conceptual diagrams of the provider virtual ID database 20 and the provider integrated virtual ID database 21 in such a case.

The operator virtual ID database 20 in FIG. 30 is a database in which user identification information of each operator and a virtual ID are associated with each other. The operator integrated virtual ID database 21 in FIG. This is a database in which the user identification information of each business operator, virtual ID, and credit card number are associated.

[0189] By providing such a database in the joint center system 14, if the same processing as in the eighth embodiment and the ninth embodiment is performed for each company, the settlement institution side system 3 can be operated by one company. With the same processing as in the case of the user system 17, it is possible to pay a fee using a plurality of operators by using one talent card.

[0190] By providing the business operator virtual ID database 20 configured as shown in Fig. 30 in the joint center system 14 (that is, in the case of Fig. 18 (a)), the credit is lost when the user loses the credit card. When the card number is changed, the user may notify the settlement institution side system 3 of the change.

[0191] Further, by providing the operator integrated virtual ID database 21 configured as shown in Fig. 31 in the joint center system 14 (ie, in the case of Fig. 18 (b)), the user can use the credit card number of the credit card. Even if the user identification information is changed due to a change in the user ID or a change in the attribute of the user within the business operator, the notification may be sent to the joint center system 14. In that case, the joint center system 14 only needs to change the credit card number or the user identification information that has been changed.

[0192] In the case of Fig. 18 as described above, as in the case of the second and sixth embodiments, the plurality of operators is not limited to the operators in Japan and the overseas operators and the operators in Japan. It is also possible to use the settlement system 1 in the same way. In this case, the claim made by the overseas operator may be made in the local currency, or it may be automatically converted into Japanese yen by the settlement institution side system 3 using the conversion rate, and the bill may be made. ,. In this way, when a Japanese user uses an overseas business operator, credit card payments can be made without giving the overseas business operator a credit card number. It is possible.

Example 11

[0193] Further, similarly to the third embodiment and the seventh embodiment, a plurality of users may be charged with one credit card number. For example, if your family uses different mobile phones, you can pay the usage fee using the same credit card number.

[0194] That is, in the settlement institution side virtual ID database 12 (in the case of Fig. 18 (a)) or the business integrated virtual ID database 21 (in the case of Fig. 18 (b)), one credit card number and multiple By associating a number of virtual IDs with each other, billing can be performed collectively. In this case, the conceptual diagram of the settlement institution virtual ID database 12 is the same as that shown in Fig. Fig. 32 shows a conceptual diagram of the virtual ID database 21.

[0195] For example, in a case where a user X whose user identification information is "22222" and a user Y whose user identification information is "44444" exist, the user X and the user Y If you apply in advance to make payment with the same talent card number “0987-6543-2109-8876”, the payment institution's virtual ID database 12 or the operator's integrated virtual ID database 21 As shown in FIG. 10 or FIG. 32, the credit card number associated with the virtual ID “B” and the virtual ID “D” is recorded as “0987-6543-2109-8765”.

[0196] Accordingly, even if billing data related to virtual ID "B" and billing data related to virtual ID "D" are received from business operator system 17, the same credit card number "0987—654 3—2109—8765 "Power will also be able to pay.

Example 12

[0197] In each of Embodiments 1 to 11, transmission of billing data from the transportation system 2 to the payment institution system 3 and from the business operator system 17 to the payment institution system 3 is performed by the network 5 The transmission may be performed by various recording media such as a magnetic disk, a magneto-optical disk, an optical disk, a magnetic tape, and a nonvolatile memory card. In this case, the billing data is recorded on the recording medium by the transportation system 2 or the business operator system, and is read by the settlement system 3.

[0198] Further, data transmission / reception between the transportation system 2, the settlement system 3, the business system 17 and the co-centre system 14, that is, the inquiry of the virtual ID, the result of the virtual ID for the inquiry, the credit card Inquiry of the number and the result of the credit card number in response to the inquiry are performed via the network 5 and by various recording media such as a magnetic disk, a magneto-optical disk, an optical disk, a magnetic tape, and a nonvolatile memory card. The exchange may be performed.

[0199] In other words, the recording medium that records each data that is not processed online via the network 5 is read / written by the transportation system 2, the payment system 3, the business system 17, and the joint center system 14. It may be possible to perform the processing by doing. For example, in the case of a virtual ID inquiry, IC card identification information / user identification information is exchanged. It is recorded on a recording medium by the institutional system 2 / operator system 17 and read by the joint center system 14, and the virtual ID associated with the IC card identification information / user identification information is recorded by the joint center system 14. Record on media. The recording medium on which the virtual ID is recorded is read again by the transportation-side system 2Z business system 17 to obtain billing data including the virtual ID. On the other hand, in the case of an inquiry about a credit card number, the virtual ID is recorded on a recording medium by the settlement institution side system 3 and read by the joint center 14, and the credit card number associated with the virtual ID is entered into the joint center system 14. To record on the recording medium. By reading the recording medium on which the credit card number is recorded again by the settlement institution side system 3, it becomes a credit card usage record.

[0200] In the case where the joint center system 14 has an association between the IC card identification information Z user identification information and the virtual ID, and furthermore, an association between them and the credit card number, as described above, By transmitting the IC card identification information / user identification information to the joint center system 14 or recording it on a recording medium, the virtual ID is acquired by the transportation-side system 2 / the business operator system 17, and the virtual ID and the usage fee are acquired. Not only is it transmitted from the transportation system 2 / operator system 17 to the settlement institution system 3 as billing data, or recorded on a recording medium, but also includes IC card identification information / user identification information, usage fee, etc. The data is transmitted to the joint center system 14 or recorded on a recording medium, and the IC card identification information / user identification information is extracted from the data and converted to the IC card identification information / user identification information. The shared center system 14 converts the IC card identification information / user identification information into the linked virtual ID, and transmits the converted virtual ID and usage fee as billing data from the shared center system 14 to the settlement institution side system 3. Alternatively, it may be performed by recording on a recording medium.

Example 13

[0201] Further, when the shared center system 14 is used in the fourth to seventh embodiments, a use limit frame that can be used by the IC card 4 is set for the IC card 4 issued to the user. Is also good. An example of the system configuration of the settlement system in this case is shown in FIG.

[0202] In the system configuration shown in Fig. 33, the transportation-side system 2 of the fourth embodiment is further restricted in use. This shows a case where a degree frame setting device 22 is provided. In the case of the fifth, sixth, and seventh embodiments, the transportation-side system 2 can also be provided with the use limit frame setting device 22 in the same manner.

[0203] Further, the joint center virtual ID database 15 and the integrated virtual ID database 16 provided in the joint center system 14 are further associated with the use limit frame (virtual ID use limit frame) for each virtual ID and the virtual ID. The total usage limit (assigned usage limit) assigned to the IC card 4 having the IC card identification information is recorded. Therefore, the joint center virtual ID database 15 records the virtual ID, the IC card identification information, the virtual ID usage limit frame, and the assigned usage limit frame in association with each other, and the integrated virtual ID database 16 stores the virtual ID and the IC card identification information. It records IC card identification information, credit card number, virtual ID usage limit frame, and assigned usage limit frame. In this case, a conceptual diagram of the joint center virtual ID database 15 is shown in FIG. 34, and a conceptual diagram of the integrated virtual ID database 16 is shown in FIG.

[0204] The use limit frame setting device 22 is a device that writes the use limit frame (IC card use limit frame) for the IC card 4 in the IC card 4. That is, the IC card 4 reads the IC card identification information of the IC card 4, accepts the input of the usage limit frame that the user wishes to set in the IC card 4, and receives the IC card identification information and the desired usage limit frame that has received the input. Is sent to the joint center system 14, and an inquiry is made as to whether or not the usage limit frame can be set as an IC card usage limit frame.

[0205] On the other hand, the joint center system 14 that has received this inquiry sends the virtual ID associated with the IC card identification information and the assigned usage limit frame out of the joint center virtual ID database 15 and the integrated virtual ID database 16. Is extracted.

[0206] Then, the obtained assigned usage limit frame is added to the IC card usage limit frame desired by the user received from the usage limit frame setting device 22, and the total is less than or equal to the virtual ID usage limit frame. In the meantime, the joint center system 14 transmits a notification that the setting is possible to the use limit setting device 22.

[0207] On the other hand, when the extracted assigned usage limit frame and the IC card usage limit frame desired by the user received from the usage limit frame setting device 22 are added, and the sum is larger than the virtual ID usage limit frame In the meantime, the joint center system 14 transmits a notification that setting is impossible to the use limit setting device 22. [0208] The usage limit setting device 22 that has received the notification that the setting can be made from the joint center system 14 displays a reconfirmation of setting the IC card usage limit to the user, and if the user consents (" If “OK” is selected, the usage limit frame setting device 22 records the usage limit frame that has received the input as the IC card usage limit frame of the IC card 4, and sets the set IC card usage limit frame and the IC card. The identification information is transmitted to the joint center system 14. The joint center system 14 that has received the information updates the assigned usage limit frame by adding the newly assigned IC card usage limit frame to the assigned usage limit frame associated with the IC card identification information. .

[0209] On the other hand, the usage limit frame setting device 22 that has received the notification of the setting failure from the joint center system 14 displays, for example, that the setting is not permitted, and prompts the user to re-enter the IC card usage limit frame.

[0210] For example, as shown in FIG. 34, when the IC card identification information is "33333" and the usage limit frame desired to be set is 5,000 yen, the usage limit frame setting device 22 It sends them to the center system 14 and inquires whether they can be set.

[0211] The joint center system 14 includes a joint use center virtual ID database 15, an integrated virtual ID database 16, a virtual ID use limit frame "8,000" associated with the IC card identification information "33333", and an assigned use limit frame. Extract "1,000". Then, "6,000", which is obtained by adding the desired usage limit "5,000" to the granted usage limit "1,000", is less than or equal to the virtual ID usage limit "8,000". The system 14 sends a notification that the setting can be made to the usage limit setting device 22.

[0212] Then, after accepting the acceptance of the reconfirmation of the setting by the use limit frame setting device 22, the use limit frame setting device 22 records "5,000" on the IC card 4 as the IC card use limit frame. At the same time, the IC card identification information “33333” and the newly assigned IC card usage limit frame “5,000” are transmitted to the joint center system 14.

[0213] The joint center system 14 that receives them becomes the assigned usage limit "1, 000" associated with the IC card identification information "33333" of the joint center virtual ID database 15 and the integrated virtual ID database 16. Then, the newly granted IC card usage limit “5,000” will be added, and the new granted usage limit will be updated to “6,000”. [0214] As described above, the IC card usage limit frame assigned to the IC card 4 is used when the IC card 4 is read by the automatic ticket gate 6 when the user enters, and the IC card usage limit frame and its appropriation are used. Compared to the amount / charge, if the allocated amount / charge exceeds the IC card usage limit, an entry will be refused at the automatic ticket gate 6 as an error (blocking the gate of the automatic ticket gate 6, Sound, etc.). On the other hand, the IC card usage limit frame is compared with the appropriation amount / charge, and if the appropriation amount is within the IC card usage limit frame Z usage fee, the automatic ticket gate 6 permits entry as it is.

[0215] At the time of participation, in addition to simply comparing the IC card usage limit frame with the appropriation amount / charge, the appropriation of the IC card identification information recorded in the transportation use database is also performed. Amount Z The usage amount that has not yet been settled may be added.

[0216] This is because the automatic ticket gate 6 reads the IC card identification information, the IC card usage limit frame, and the information for identifying the station at the time of entry, and calculates the current appropriation amount / use amount, and updates it. Based on the IC card identification information read in the above, the transportation use database 10 is searched through the ticket gate control device 7. Then, the appropriation amount / usage amount of the IC card identification information, which has not yet been settled, is further added and compared with the IC card usage limit frame. In this way, by comparing the appropriation amount / use amount in the transportation use database 10 with the comparison target, the past appropriation amount / use amount of the user who is not only at that time but not yet settled is also the IC card usage limit. It can be compared as a frame, and more accurate credit management becomes possible.

[0217] Accordingly, the IC card identification information and the appropriation amount / usage amount recorded in the transportation use database 10 are transmitted from the payment institution system 3 to the transportation institution when the user pays from the payment institution. Is transmitted to the side system 2 and the transportation system 2 obtains the IC card identification information associated with the virtual ID by inquiring the virtual ID to the common center system 14 and records the IC card information recorded in the transportation use database. The appropriation amount / usage amount associated with the card identification information may be set to 0.

Example 14

[0218] Further, as another method of setting the use limit frame of the thirteenth embodiment, in the fourth to eleventh embodiments, When the shared center system 14 is used, the shared center virtual ID database 15, the integrated virtual ID database 16, the operator virtual ID database 20, and the operator integrated virtual ID database 21 provided in the Set the virtual ID usage limit frame in the same way as in.

[0219] The management device 8 of the transportation system 2 or the sales management device of the business system 17

When 18 inquires of the joint center system 14 for IC card identification information or user identification information, the appropriation amount is used together with the IC card identification information, and the usage fee is transmitted together with the usage amount and the user identification information. .

[0220] The joint center system 14 stores the virtual ID associated with the IC card identification information and the user identification information and the virtual ID use limit frame associated with the virtual ID with the joint center virtual ID database 15 / integrated virtual ID. Extracted from ID database 16Z business virtual ID database 20 / business integrated virtual ID database 21. Then, the sum of the appropriation amount / usage amount of the IC card identification information associated with the virtual ID or the total usage fee of the user identification information associated with the virtual ID is calculated, and these are used as the virtual ID usage limit. Judge whether it is below the frame.

[0221] If it is within the virtual ID usage limit, the virtual ID associated with the IC card identification information is transmitted to the transportation system 2 and the carrier system 17 as they are (S220—S230 in FIG. 15, FIG. 15). (Processing of S320—S330 in FIG. 16, S410—S420 in FIG. 21, and S510—S520 in FIG. 22).

[0222] If the total is larger than the virtual ID usage limit, negative data is created to reject use of the IC card 4 and use of the service from the next time. This negative data has the IC card identification information Z user identification information associated with the virtual ID. Then, the virtual ID associated with the IC card identification information / user identification information is transmitted to the transportation system 2 and the operator system 17 (S220—S230 in FIG. 15, S320—S330 in FIG. 16, and S320—S330 in FIG. 21). At the same time as the processing of S410-S420 and S510-S520 in FIG. 22, negative data is also transmitted.

[0223] The automatic ticket gate 6 of the transportation system 2 and the sales management device 8 of the business system 17 provide the negative data when the user enters the station with the IC card 4 or when using the system in any way. Permission or use by comparing with IC card identification information / user identification information It is determined whether use is permitted. If the negative data contains IC card identification information / user identification information, entry is not permitted / use is prohibited.If the negative data does not have IC card identification information / IJ user identification information, participation is allowed / used. Allow

[0224] For example, there are two pieces of IC card identification information associated with a virtual ID, the appropriation amount / usage amount of each is "5,000" and "8,000", and the virtual ID usage limit frame is "15". , 000 ”. Then, the sum of the allocated amount / used amount per virtual ID is 13,000 (= 5,000 + 8,000), so it does not exceed the virtual ID usage limit.

[0225] Accordingly, the joint center system 14 transmits the virtual ID associated with the IC card identification information to the transportation system 2 and the operator system 17 (S220 in FIG. 15, S230 in FIG. 15, and S320 in FIG. 16). Processing of S330, S410 in FIG. 21—S420, S510 and S520 in FIG. 22).

[0226] On the other hand, there are two pieces of IC card identification information associated with the virtual ID, the appropriation amount / use amount is "5,000" and "8,000", and the virtual ID use limit frame is " 10,000 ". Then, the sum of the allocated amount / usage amount per virtual ID is 13,000 (= 5,000 + 8,000), which exceeds the virtual ID usage limit.

[0227] Accordingly, the joint center system 14 records the IC card identification information / user identification information associated with the virtual ID in the negative data. Then, the virtual ID associated with the IC card identification information / user identification information is transmitted to the transportation system 2 and the operator system 17 (S220—S230 in FIG. 15, S320—S330 in FIG. 16, and FIG. 21). Negative data is also transmitted at the same time as S410-S420, and S510-S520 in FIG.

[0228] Then, for example, when the user reads the IC card 4 with the automatic ticket gate 6 at the next entry / entry, the automatic ticket gate 6 identifies the IC card of the IC card 4 with the negative data. If it is determined whether the information is included, entry / entry is rejected because it is included.

[0229] Similarly, for example, when the user inputs user identification information in order to use the service of the business operator next time, the sales management device 18 determines whether the negative data includes the user identification information. Then, the use of the service is rejected because it is included.

[0230] By providing the virtual ID usage limit frame in this way, it is possible to prevent the user from using the service beyond the payment ability and credit ability of the user. This virtual ID usage limit is It is desirable to be below the limit of the credit card associated with the virtual ID.

[0231] Further, the virtual ID usage limit frame of the thirteenth embodiment and the fourteenth embodiment is such that the payment limit frame for one credit card number and the credit card number (the credit card company May be the limit frame given to, or may be a separately set amount). Therefore, if multiple virtual IDs are assigned to the credit card to be paid, the total virtual ID usage limit of the virtual ID associated with the credit card number is less than or equal to the credit limit for the credit card number. The total IC card usage limit of the IC card identification information associated with the virtual ID is less than or equal to the virtual ID usage limit.

[0232] Each device and database in the present invention is only logically distinguished in its function, and may be physically or virtually the same area. Further, it goes without saying that a data file and a storage means may be used instead of a database, and it goes without saying that the description of the database includes the data file and the storage means.

In carrying out the present invention, a storage medium storing software programs for realizing the functions of the present embodiment is supplied to the system, and the computer of the system reads and executes the program stored in the storage medium. Of course

[0234] In this case, the program itself read from the storage medium implements the functions of the above-described embodiment, and the storage medium storing the program naturally constitutes the present invention. .

[0235] As a storage medium for supplying the program, for example, a magnetic disk, a hard disk, an optical disk, a magneto-optical disk, a magnetic tape, a nonvolatile memory card, and the like can be used.

[0236] Further, the functions of the above-described embodiments are not only realized by the computer executing the read program, but the operating system or the like running on the computer performs actual processing based on the instructions of the program. It goes without saying that some or all of the above may be performed, and the processing may realize the functions of the above-described embodiments. [0237] Further, the program read out from the storage medium is written into a non-volatile or volatile storage means provided in a function expansion board inserted into the computer or a function expansion unit connected to the computer. Based on the instructions of the program, the arithmetic processing unit or the like provided in the function expansion board or the function expansion unit performs some or all of the actual processing, and performs all of the processing, thereby realizing the functions of the above-described embodiments. It is natural that cases are included.

Industrial applicability

[0238] By using the present invention, even if the payment method is an auto-charge method or a post-payment method, it is not necessary to transmit the IC card identification information itself to the payment institution as in the past, so that the user Even if the IC card identification information is changed due to the loss of the IC card 4 and the reissue procedure, etc., the transportation operator will be able to identify the IC card in its own transportation agency virtual ID database 9 Only the association between the information and the virtual ID needs to be changed, and the processing load can be reduced.

[0239] Further, it can be used not only for payment for transportation, but also for credit card payments of general businesses, and the credit card number previously held by the business is owned by the joint center system. By doing so, it is possible to prevent misuse of credit card numbers.

[0240] Further, by associating a plurality of IC card identification information with the virtual ID, it becomes possible for a plurality of users to make a payment with one credit card number.

BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a conceptual diagram of the present invention.

FIG. 2 is a flowchart showing an example of a process flow of the present invention.

FIG. 3 is a conceptual diagram of a conventional auto-charge method and a post-payment method.

FIG. 4 is a system configuration diagram showing an example of the system configuration of the present invention.

FIG. 5 is a conceptual diagram of a transportation use database.

FIG. 6 is a conceptual diagram of a transportation side virtual ID database.

FIG. 7 is a conceptual diagram of a payment agency virtual ID database.

FIG. 8 is a conceptual diagram of a credit card usage database. FIG. 9 is a conceptual diagram of a transportation agency-side virtual ID database according to another embodiment.

FIG. 10 is a conceptual diagram of a payment institution virtual ID database according to another embodiment.

FIG. 11 is a conceptual diagram of another embodiment of the present invention.

FIG. 12 is a conceptual diagram of another embodiment of the present invention.

FIG. 13 is a system configuration diagram showing an example of a system configuration according to another embodiment of the present invention.

FIG. 14 is a system configuration diagram showing an example of a system configuration according to another embodiment of the present invention.

FIG. 15 is a flowchart showing an example of a process flow according to another embodiment of the present invention.

FIG. 16 is a flowchart showing an example of a process flow according to another embodiment of the present invention.

FIG. 17 is a conceptual diagram of an embodiment of the present invention other than a transportation company.

FIG. 18 is a conceptual diagram of an embodiment of the present invention other than a transportation company.

FIG. 19 is a system configuration diagram showing an example of a system configuration of an embodiment other than the transportation company of the present invention.

FIG. 20 is a system configuration diagram showing an example of a system configuration of an embodiment other than the transportation company of the present invention.

FIG. 21 is a flowchart showing an example of a process flow of an embodiment other than the transportation company of the present invention.

FIG. 22 is a flowchart showing an example of a process flow of an embodiment other than the transportation company of the present invention.

FIG. 23 is a conceptual diagram of an integrated virtual ID database.

[FIG. 24] A conceptual diagram of a joint center virtual ID database for multiple transportation modes

FIG. 25 is a conceptual diagram of an integrated virtual ID database for a plurality of transportation means.

[Figure 26] Integrated virtual I when multiple users make the same credit card number payment

It is a conceptual diagram of D database.

FIG. 27 is a conceptual diagram of a business sales database.

FIG. 28 is a conceptual diagram of a company virtual ID database. FIG. 29 is a conceptual diagram of a provider integrated virtual ID database.

FIG. 30 is a conceptual diagram of a joint center virtual ID database in the case of a plurality of operators.

FIG. 31 is a conceptual diagram of a provider integrated virtual ID database for a plurality of providers.

FIG. 32 is a conceptual diagram of a business integrated virtual ID database when a plurality of users make the same credit card number settlement.

FIG. 33 is a system configuration diagram showing an example of a system configuration when a usage limit frame is set on an IC card.

FIG. 34 is a conceptual diagram of a joint center virtual ID database when a usage limit is set on an IC card.

FIG. 35 is a conceptual diagram of an integrated virtual ID database when a usage limit is set on an IC card.

Explanation of reference numerals

1: Payment system

2: Transportation system

3: Payment institution side system

4: IC card

5: Network

6: Automatic ticket gate

7: Ticket control device

9: Transportation side virtual ID database

10: Transportation use database

11: Billing device

12: Payment agency virtual ID database

13: Credit card usage database

14: Joint center system

15: Joint center virtual ID database

16: Integrated virtual ID database :business person,:

: Sales management device

· Business sales database: Business virtual ID database: Business integrated virtual ID database -S: Usage limit setting device

Claims

The scope of the claims

[1] A payment system using an auto-charge or post-payment payment method, wherein the payment system includes a transportation system provided by a transportation company and a payment system provided by a payment institution;

The transportation-side system includes:

A transportation use database in which the IC card or IC card identification information for identifying the user and the amount of money applied to the IC card or the usage fee of the user having the IC card are recorded in association with each other;

A transportation-side virtual ID database that records the IC card identification information in association with a virtual ID previously assigned to the IC card or the user;

A reading device for reading and writing information recorded on the IC card;

Receiving from the reading device the IC card identification information read by the reading device and the usage fee calculated as the amount of money applied to the IC card by the reading device or the transportation fee, A control device for recording in the transit database,

A virtual ID associated with the IC card identification information read from the IC card by the reading device is extracted from the payment agency side virtual ID database, and the extracted virtual ID and the appropriation amount or usage fee are billed data. And a management device for transmitting to the settlement institution side system as

The settlement institution side system,

A payment institution virtual ID database that records the virtual ID and credit card number that are previously assigned to an IC card or a user in association with each other;

A credit card usage database which records the credit card number and the appropriation amount or usage fee in association with each other;

Receiving the billing data from the transportation system, extracting a credit card number associated with the virtual ID in the billing data from the payment agency virtual ID database, and extracting the extracted credit card; Billing that records the number and the amount of money or usage fee in the billing data in the credit card usage database Device

A settlement system characterized by that:

[2] A payment system using an auto-charge or post-payment payment method, wherein the payment system includes a transportation system provided by a transportation company and a payment system provided by a payment institution;

The transportation-side system includes:

A reading device for reading and writing information recorded on the IC card;

A virtual ID associated with the IC card identification information read from the IC card by the reading device is extracted from the transportation-side virtual ID database, and the extracted virtual ID and the allocated amount or usage fee are billed data. And a management device for recording on a recording medium as

The settlement institution side system,

The billing data recorded on the recording medium is read, and a credit card number associated with the virtual ID in the billing data is extracted from the payment institution side virtual ID database. Charge in billing data A charge requesting device that records this amount or usage fee in the credit card usage database, and

A settlement system characterized by that:

[3] A payment system using an auto-charge or post-payment payment method, wherein the payment system includes a transportation-side system owned by a transportation company, a payment-institution-side system provided by a payment institution, and a shared center system. Consisting of

The transportation-side system includes:

A reading device for reading and writing information recorded on the IC card;

The reading device transmits the IC card identification information read from the IC card to the joint center system to make an inquiry about a virtual ID associated with the IC card identification information, and the virtual ID And a management device that receives the received virtual ID and the allocated amount or the usage fee as billing data to the payment institution side system,

The settlement institution side system,

Receiving the billing data from the transportation system, extracting a credit card number associated with the virtual ID in the billing data from the payment agency virtual ID database, and extracting the extracted credit card; Number and appropriation in billing data A billing device that records the amount or the usage fee in the credit card usage database,

The joint center system,

A joint center virtual ID database that records the IC card identification information in association with the virtual ID,

When the IC card identification information is received from the transportation system, the virtual ID associated with the IC card identification information is extracted from the joint center virtual ID database, and the extracted virtual ID is transmitted to the transportation system. A payment system, which is a transmitting device.

[4] A payment system using an auto-charge or post-payment payment method, wherein the payment system includes a transportation system provided by a transportation company, a payment system provided by a payment agency, and a shared center system. Consisting of

The transportation-side system includes:

A reading device for reading and writing information recorded on the IC card;

The reading device transmits the IC card identification information read from the IC card to the joint center system to make an inquiry about a virtual ID associated with the IC card identification information, and the virtual ID And a management device for receiving the received virtual ID and the appropriation amount or usage fee as billing data on a recording medium,

The settlement institution side system,

The virtual ID and credit card number previously assigned to the IC card or user And a payment institution virtual ID database that records

The billing data recorded on the recording medium is read, and a credit card number associated with the virtual ID in the billing data is extracted from the payment institution side virtual ID database. A charge billing device for recording the charge amount or charge in the billing data in the credit card use database;

The joint center system,

[5] A settlement system using an auto-charge or post-payment settlement system, wherein the settlement system includes a transportation-side system owned by a transportation agency, a settlement-institution-side system owned by a settlement agency, and a shared center system. Consisting of

The transportation-side system includes:

A reading device for reading and writing information recorded on the IC card;

Receiving from the reading device the IC card identification information read by the reading device and the usage fee calculated as the amount of money applied to the IC card by the reading device or the transportation fee, Control for recording in the transportation use database The reading device reads the IC card identification information read from the IC card to the joint storage. The virtual ID associated with the IC card identification information by sending the virtual ID to the central system, receiving the virtual ID from the shared center system, and receiving the received virtual ID and the allocated amount. Or a management device for transmitting the usage fee and billing data to the settlement institution side system as billing data.

The settlement institution side system,

A credit card use database that records the user's credit card number and the appropriation amount or usage charge in association with each other;

By receiving the billing data from the transportation system, extracting the virtual ID in the billing data, and transmitting the extracted virtual ID to the joint center system, the virtual ID is associated with the virtual ID. The credit card number is inquired and matched, the credit card number is received from the joint center system, and the received credit card number and the amount of money or usage charge in the billing data are entered into the credit card code. And a billing device for recording in a usage database.

The joint center system,

An integrated virtual ID database that records the IC card identification information, a virtual ID previously assigned to the IC card or a user, and a credit card number of the user in association with each other, When the IC card identification information is received from the transportation system, the virtual ID associated with the IC card identification information is extracted from the integrated virtual ID database, and the extracted virtual ID is transmitted to the transportation system. And

Upon receiving the virtual ID from the settlement institution side system, a device for extracting a credit card number associated with the virtual ID from the integrated virtual ID database and transmitting the extracted credit card number to the settlement institution side system Is,

A settlement system characterized by that:

[6] A settlement system using an auto-charge or post-payment settlement system, wherein the settlement system includes a transportation-side system of a transportation agency, a settlement-institution-side system of a settlement agency, and a shared center system. Consisting of

The transportation-side system includes: A transportation use database in which the IC card or IC card identification information for identifying the user and the amount of money applied to the IC card or the usage fee of the user having the IC card are recorded in association with each other;

A reading device for reading and writing information recorded on the IC card;

Receiving from the reading device the IC card identification information read by the reading device and the usage fee calculated as the amount of money applied to the IC card by the reading device or the transportation fee, Inquiry of virtual ID linked to the IC card identification information by transmitting the IC card identification information read from the IC card by the reading device to the joint center system A management device that receives the virtual ID from the shared center system and records the received virtual ID and the appropriation amount or usage fee as billing data on a recording medium,

The settlement institution side system,

The credit associated with the virtual ID by reading the billing data recorded on the recording medium, extracting the virtual ID in the billing data, and transmitting the extracted virtual ID to the joint center system. Inquires about the card number, receives the credit card number from the above-mentioned joint center system, and records the received credit card number and the amount of charge or usage fee in the billing data in the credit card usage database. Billing device and power

The joint center system,

An integrated virtual ID database that records the IC card identification information, a virtual ID given to the IC card or a user in advance, and a credit card number of the user in association with each other; When the IC card identification information is received from the transportation system, the virtual ID associated with the IC card identification information is extracted from the integrated virtual ID database, and Send the extracted virtual ID to the transportation system,

A settlement system characterized by that:

[7] A payment system for performing a payment by a credit card to a user of a business providing a service to the user, wherein the payment system includes a business system of the business and a payment institution of a payment institution. Side system and the joint center system.

The operator system,

A business sales database in which user identification information for identifying the user and the usage fee used by the user are recorded in association with each other;

The user identification information and the usage fee recorded in the business sales database are extracted, and the extracted user identification information is transmitted to the joint center system, thereby being associated with the user identification information. A sales management device for inquiring of a virtual ID, receiving the virtual ID from the shared center system, and transmitting the received virtual ID and the usage fee as billing data to the payment institution side system. The settlement institution side system,

A settlement-institution-side virtual ID database that records the virtual ID and the credit card number assigned to the user in advance in association with each other;

A credit card usage database that records the credit card number and usage fee in association with each other; and a credit card that receives the billing data from the business operator system and is associated with the virtual ID in the billing data. A charge billing device for extracting a number from the settlement institution side virtual ID database, and recording the extracted credit card number and the charge in the billing data in the credit card use database. the system,

A provider virtual ID data which records the user identification information in association with the virtual ID. Have a base,

Upon receiving the user identification information from the operator system, an apparatus for extracting a virtual ID associated with the user identification information into the operator virtual ID database and transmitting the extracted virtual ID to the operator system. Is,

A settlement system characterized by that:

[8] A payment system for performing payment by a credit card of a business providing a service to the user, wherein the payment system includes a business system of the business and a payment institution of the payment institution. Side system and the joint center system.

The operator system,

The user identification information and the usage fee recorded in the business sales database are extracted, and the extracted user identification information is transmitted to the joint center system, thereby being associated with the user identification information. A sales management device for inquiring of a virtual ID, receiving the virtual ID from the joint center system, and recording the received virtual ID and the usage fee on a recording medium as billing data,

The settlement institution side system,

A credit card usage database that records the credit card number and usage fee in association with each other, and reads the billing data recorded on the recording medium, and a credit card associated with the virtual ID in the billing data A charge billing device for extracting a number from the virtual ID database on the settlement institution side and recording the extracted credit card number and a charge in the billing data in the credit card use database.

The joint center system, A business operator virtual ID database that records the user identification information in association with the virtual ID,

A settlement system characterized by that:

[9] A payment system for performing payment by a credit card to a user of a business providing a service to the user, wherein the payment system includes a business system of the business and a payment institution of a payment institution. Side system and the joint center system.

The operator system,

A credit card usage database that records the user's credit card number and usage fee in association with each other,

The credit card associated with the virtual ID by receiving the billing data from the business system, extracting the virtual ID in the billing data, and transmitting the extracted virtual ID to the joint center system. Inquires about the number, receives the credit card number from the joint center system, and records the received credit card number and the usage fee in the billing data in the credit card usage database. And a billing device for

The joint center system, A business operator integrated virtual ID database that records the user identification information, the virtual ID, and the user's credit card number in association with each other;

Upon receiving the user identification information from the provider system, extract the virtual ID associated with the user identification information from the provider integrated virtual ID database, and transmit the extracted virtual ID to the provider system. ,

When the virtual ID is received from the payment institution side system, a credit card number associated with the virtual ID is extracted from the business operator integrated virtual ID database, and the extracted credit card number is transmitted to the payment institution side system. A payment system, comprising:

[10] A payment system for performing payment by a credit card to a user of a business providing a service to the user, wherein the payment system includes a business system of the business and a payment institution of a payment institution. Side system and the joint center system.

The operator system,

The settlement institution side system,

The business system receives the billing data recorded on the recording medium, extracts the virtual ID in the billing data, and transmits the extracted virtual ID to the joint center system, thereby obtaining the virtual ID. Inquiry of the credit card number associated with, receiving the credit card number from the shared center system, A billing device for recording the received credit card number and the usage fee in the billing data in the credit card usage database.

The joint center system,

A business operator integrated virtual ID database that records the user identification information, the virtual ID, and the user's credit card number in association with each other;

Upon receiving the user identification information, the operator system power extracts a virtual ID associated with the user identification information from the operator integrated virtual ID database, and transmits the extracted virtual ID to the operator system. ,

[11] The credit card number recorded in the settlement institution side virtual ID database, the integrated virtual ID database, or the business operator integrated virtual ID database is recorded in association with at least one or more virtual IDs.

The settlement according to any one of claims 1 to 10, characterized in that:

[12] The virtual ID is common to each user in the payment system.

The settlement according to any one of claims 1 to 11, characterized in that

[13] The transportation means is a railway, the reading device is an automatic ticket gate installed at a ticket gate of a station, and the control device is a ticket gate control device for controlling one or more of the automatic ticket gates.

The settlement system according to any one of claims 1 to 6, claim 11, or claim 12, characterized in that:

[14] The transportation system includes:

A usage limit frame setting device for writing an IC card usage limit frame on the IC card; The joint center virtual ID database or the integrated virtual ID database of the joint center system further records a virtual ID use limit frame and an assigned use limit frame in association with each other,

The use limit setting device,

The input of the IC card usage limit frame desired to be given to the IC card is received, the IC card identification information is read, and an inquiry is made to the joint center system as to whether the usage limit frame can be set. After transmitting the information together with the information and receiving a notification that the setting can be made from the joint center system, the IC card usage limit frame for which the input has been accepted is recorded on the IC card, and the recorded IC card for the joint center system is recorded. A device that sends a usage limit,

The joint center system,

Based on the inquiry received from the usage limit setting device and the IC card identification information, the IC card identification information is associated with the IC card identification information from the joint center virtual ID database or the integrated virtual ID database. The virtual ID use limit frame and the assigned use limit frame for the virtual ID are extracted, and the assigned use limit frame and the desired IC card use limit frame accepted by the use limit setting device are input. If the sum is equal to or less than the extracted virtual ID usage limit frame, a notification that the setting is possible is transmitted to the usage limit frame setting device, and the recorded IC card usage limit is transmitted from the usage limit frame setting device. After receiving the slot, it is added to the assigned usage limit frame for the virtual ID associated with the IC card identification information and updated as a new assigned usage limit frame. ,

The settlement system according to any one of claims 3 to 6, characterized in that:

[15] The joint center virtual ID database or the integrated virtual ID database of the joint center system further records a virtual ID use limit frame in association with the transportation center system,

When sending an inquiry for a virtual ID corresponding to the IC card identification information, the amount of use or the usage fee of the IC card is also sent,

The joint center system, Extracting the virtual ID and the virtual ID usage limit frame from the integrated virtual ID database based on the IC card identification information in the inquiry, and identifying the IC card associated with the extracted virtual ID The information application amount or the total usage fee is calculated, and if the total is less than or equal to the virtual ID usage limit frame, the extracted virtual ID is transmitted to the transportation-side system, and the calculated total is calculated as the temporary value. If it is larger than the virtual ID usage limit, the IC card identification information associated with the virtual ID is created as negative data, and the extracted virtual ID and the negative data are transmitted to the transportation system.

[16] The business operator virtual ID database or the business operator integrated virtual ID database of the joint center system further records a virtual ID usage limit frame in association therewith, and the business operator system includes:

When sending an inquiry for a virtual ID corresponding to the user identification information, the usage fee used by the user is also sent,

The joint center system,

The virtual ID and the virtual ID usage limit are extracted from the business operator virtual ID database or the business operator integrated virtual ID database based on the user identification information in the inquiry, and are associated with the extracted virtual ID. The total of the usage fee used by the user of the obtained user identification information is calculated, and if the total is less than the virtual ID usage limit frame, the extracted virtual ID is transmitted to the business operator system. If the calculated sum is larger than the virtual ID usage limit frame, create user identification information associated with the virtual ID as negative data, and transmit the extracted virtual ID and the negative data to the business operator system. Do

The settlement according to any one of claims 7 to 10>

[17] A payment institution system of a payment institution in a payment system using an auto-charge or post-payment payment method,

The settlement institution side system, A settlement-institution-side virtual ID database that records an IC card or a virtual ID previously assigned to a user and a credit card number of the user in association with each other; And a tail card usage database that records

The IJ user receives the auto-charge or post-pay billing data from the transportation-side system of the transportation company where the IJ user uses the IC card and uses the virtual ID in the billing data. A fee for extracting the associated credit card number from the settlement institution side virtual ID database, and recording the extracted credit card number and the amount of charge or usage fee in the billing data in the credit card usage database. And a billing device

A settlement institution side system characterized by the following.

[18] A settlement institution system provided by a settlement institution in a settlement system using an auto-charge or post-payment settlement method,

The settlement institution side system,

A settlement-institution-side virtual ID database that records an IC card or a virtual ID previously assigned to a user and a credit card number of the user in association with each other; And a tail card usage database that records

The user reads the auto-charge or post-pay billing data recorded on the recording medium by a transportation system possessed by a transportation business operator who uses the IC card with the IC card, and reads the billing data. A credit card number associated with the virtual ID is extracted from the settlement institution side virtual ID database, and the extracted credit card number and the amount of money or usage fee in the billing data are extracted from the credit card. And a billing device for recording in a usage database.

A settlement institution side system characterized by the following.

[19] A payment institution system of a payment institution in a payment system using an auto-charge or post-payment payment method,

The settlement institution side system, An integrated virtual ID database that records the IC card or user identification information that identifies the user, the virtual ID assigned to the IC card or user in advance, and the credit card number of the user in association with each other. Data can be transmitted to and received from the shared center system having

The user receives billing data of the auto-charging method or the postpaid payment method from a transportation-side system of a transportation company in which the user uses an IC card, and the virtual ID in the billing data is received. And inquiring of the credit card number associated with the virtual ID by transmitting the extracted virtual ID to the joint center system, receiving the credit card number from the joint center system, And a billing device for recording the received credit card number and the amount of money or usage fee in the billing data in the credit card usage database.

[20] This is the settlement institution side system of the settlement institution in the settlement system using the auto-charge or post-payment settlement method.

The settlement institution side system,

A joint center virtual ID that records the IC card or IC card identification information that identifies the user, the virtual ID previously assigned to the IC card or the user, and the credit card number of the user in association with each other. Data can be transmitted and received to and from the shared center system having a database,

The user reads the auto-charge or post-pay billing data recorded on a recording medium by a transportation-side system possessed by a transportation agency that uses the IC card with the IC card, and reads the billing data in the billing data. The virtual ID is extracted, and the extracted virtual ID is transmitted to the joint center system to inquire about the credit card number associated with the virtual ID. A charge billing device for receiving a credit card number and recording the received credit card number and the amount of charge or usage charge in the billing data in the credit card usage database.

A settlement institution side system characterized by the following.

[21] A payment institution side system of a payment institution in a payment system for performing a payment by a credit card to a user of a business providing a service to the user.

A joint company having a company-integrated virtual ID database that records the user identification information for identifying the user, the virtual ID assigned to the user in advance, and the credit card number of the user in association with each other. Data can be sent to and received from the center system,

A credit card usage database that records the credit card number and usage fee in association with each other; and receiving billing data from a business system of the business, extracting the virtual ID in the billing data, By transmitting the extracted virtual ID to the joint center system, an inquiry is made for a credit card number associated with the virtual ID, the credit card number is received from the joint center system, and the received talent card number is received. And a fee billing device for recording the usage fee in the billing data in the credit card usage database.

[22] A settlement institution side system of a settlement institution in a settlement system for performing settlement by credit card to the user of a business providing a service to the user, wherein the settlement institution side system comprises:

A joint company having a company-integrated virtual ID database that records the user identification information for identifying the user, the virtual ID assigned to the user in advance, and the credit card number of the user in association with each other. Data can be sent to and received from the center system Noh,

A credit card usage database that records the credit card number and usage fee in association with each other, and billing data recorded on a recording medium by a business system of the business, and reads the billing data in the billing data. Extracting a virtual ID, sending the extracted virtual ID to the joint center system, inquiring about a credit card number associated with the virtual ID, receiving the credit card number from the joint center system, And a billing device for recording the received credit card number and the usage fee in the billing data in the credit card usage database.

[23] A transportation system provided by a transportation company in a payment system using an auto-charge or post-payment payment method,

The transportation-side system includes:

A reading device for reading and writing information recorded on the IC card;

Receiving from the reading device the IC card identification information read by the reading device and the usage fee calculated as the amount of money applied to the IC card by the reading device or the transportation fee, Control to record in the transportation use database Extract the virtual ID associated with the IC card identification information read from the IC card by the reading device from the transportation-side virtual ID database, and use the extracted virtual ID and the allocation. A management device for transmitting, as billing data, the amount or the usage fee to a clearing house system of the clearing house that performs the settlement of the appropriation amount or the usage fee of the transportation, A transportation-side system comprising:

[24] A transportation system provided by a transportation company in a payment system using an auto-charge or post-payment payment method,

The transportation-side system includes:

A reading device for reading and writing information recorded on the IC card;

A virtual ID associated with the IC card identification information read from the IC card by the reading device is extracted from the transportation-side virtual ID database, and the extracted virtual ID and the allocated amount or usage fee are billed data. A management device for recording on a recording medium as

A transportation-side system comprising:

[25] A transportation system provided by a transportation company in a payment system using an auto-charge or post-payment payment method,

The transportation-side system includes:

A joint center system having a joint center virtual ID database that records IC card identification information for identifying an IC card or a user in association with a virtual ID previously assigned to the IC card or the user; A transport facility that is capable of transmitting and receiving data between the IC cards and records the IC card identification information and the applied amount applied to the IC card or the usage fee of a user having the IC card in association with each other. Usage database and A reading device for reading and writing information recorded on the IC card;

Receiving, from the reading device, the IC card identification information read by the reading device and the usage fee calculated by the reading device as applied to the IC card, or as a transportation fee; Control for recording in the transportation use database The reading device sends the IC card identification information read from the IC card to the joint center system to make an inquiry about a virtual ID associated with the IC card identification information, The virtual institution receives the virtual ID from the joint center system, and uses the received virtual ID and the allocated amount or usage fee as billing data as billing data, and has a payment institution provided by a clearing house that performs payment of the transportation amount or usage fee. Management device to send to the local system,

A transportation-side system comprising:

[26] A transportation system of a transportation company in a payment system using an auto-charge or post-payment payment method,

The transportation-side system includes:

A joint center system having a joint center virtual ID database that records IC card identification information for identifying an IC card or a user in association with a virtual ID previously assigned to the IC card or the user; A transport facility that is capable of transmitting and receiving data between the IC cards and records the IC card identification information and the applied amount applied to the IC card or the usage fee of a user having the IC card in association with each other. Usage database and

A reading device for reading and writing information recorded on the IC card;

Receiving from the reading device the IC card identification information read by the reading device and the usage fee calculated as the amount of money applied to the IC card by the reading device or the transportation fee, Control for recording in the transportation use database The reading device transmits the IC card identification information read from the IC card to the cooperative center system, thereby obtaining a virtual ID associated with the IC card identification information. A management device that makes an inquiry, receives the virtual ID from the joint center system, and records the received virtual ID and the appropriation amount or usage fee as billing data on a recording medium;

A transportation-side system comprising:

[27] The transportation system includes:

A usage limit frame setting device for writing an IC card usage limit frame on the IC card;

The use limit setting device,

The input of the IC card usage limit frame desired to be given to the IC card is received, the IC card identification information is read, and an inquiry is made to the joint center system as to whether the usage limit frame can be set. After transmitting the information together with the information and receiving a notification that the setting can be made from the joint center system, the IC card usage limit frame for which the input has been accepted is recorded on the IC card, and the recorded IC card for the joint center system is recorded. A device for transmitting usage limit frames,

The transportation-side system according to claim 25 or claim 26, characterized in that:

[28] The joint center virtual ID database or the integrated virtual ID database of the joint center system further records a virtual ID usage limit frame in association with the system.

When sending an inquiry for a virtual ID corresponding to the IC card identification information, the application fee or usage fee of the IC card is also transmitted, and when negative data is received from the shared center system, Comparing the IC card identification information read from the IC card with the negative data, and rejecting use of the IC card by a user if the IC card identification information is included;

[29] A shared center system in a payment system using an auto-charge or post-payment payment method,

The joint center system,

Data can be sent to and received from transportation-side systems owned by transportation operators. Yes,

It has a joint center virtual ID database that records the IC card identification information for identifying the IC card or the user in association with the virtual ID previously assigned to the IC card or the user,

When receiving the IC card identification information read by the transportation system, the system extracts the virtual ID associated with the IC card identification information into the joint center virtual ID database, and extracts the extracted virtual ID into the traffic. A device that transmits to the institution side system.

A joint center system characterized by the following.

[30] A shared center system in a payment system using an auto-charge or post-payment payment method,

The joint center system,

Data can be transmitted / received between the transportation system provided by the transportation company and the payment system provided by the payment company performing the payment;

An integrated virtual ID database that records the IC card or user identification information that identifies the user, the virtual ID assigned to the IC card or user in advance, and the credit card number of the user in association with each other. Has,

When the IC card identification information read by the transportation system is received, the virtual ID associated with the IC card identification information is extracted from the integrated virtual ID database, and the extracted virtual ID is transmitted to the transportation system. Send,

Upon receiving the virtual ID from the settlement institution side system, a device for extracting a credit card number associated with the virtual ID from the integrated virtual ID database and transmitting the extracted credit card number to the settlement institution side system A joint center system.

[31] The joint center virtual ID database or the integrated virtual ID database of the joint center system further records a virtual ID use limit frame and an assigned use limit frame in association with each other,

IC car that you want to give to the IC card received from the transportation system The IC card identification information is obtained from the joint center virtual ID database or the integrated virtual ID database based on an inquiry as to whether or not a usage limit frame can be set and the IC card identification information read by the transportation system. Extracting the virtual ID usage limit frame and the assigned usage limit frame for the virtual ID associated with the above, and receiving the input by the assigned usage limit frame and the usage limit frame setting device, and using the desired IC card usage limit. If the sum is equal to or less than the extracted virtual ID usage limit frame, a notification that setting is possible is transmitted to the transportation system, and the IC recorded on the IC card from the transportation system is transmitted from the transportation system. After receiving the card usage limit, add it to the assigned usage limit for the virtual ID associated with the IC card identification information, and add a new It is updated as given already use limits,

The joint center system according to claim 29 or claim 30, characterized in that:

[32] The joint center virtual ID database or the integrated virtual ID database of the joint center system further records a virtual ID usage limit frame in association with the joint center system.

When receiving an inquiry about a virtual ID corresponding to the IC card identification information from the transportation system, receiving a charge or usage fee of the IC card together, and receiving the IC card identification information in the inquiry. The virtual ID and the virtual ID usage limit frame are extracted from the joint center virtual ID database based on the integrated virtual ID database based on the above, and the appropriation amount or usage fee of the IC card identification information associated with the extracted virtual ID is extracted. If the calculated virtual ID is equal to or less than the virtual ID usage limit frame, the extracted virtual ID is transmitted to the transportation system, and if the calculated total is larger than the virtual ID usage limit frame, the The IC card identification information associated with the virtual ID is created as negative data, and the extracted virtual ID and the negative data are transmitted to the transportation system. To send,

[33] A joint center system in a payment system for performing payment by credit card to a user of a business providing a service to the user,

The joint center system, Data can be transmitted / received to / from the operator system owned by the operator, and user identification information for identifying the user and a virtual ID previously assigned to the user are recorded in association with each other. The system has a business operator virtual ID database, and upon receiving the user system identification information, extracts the virtual ID associated with the user identification information into the business operator virtual ID database and extracts the virtual ID. A device for transmitting a virtual ID to the business operator system,

A joint center system characterized by the following.

[34] A joint center system in a payment system for performing payment by credit card to a user of a business providing a service to the user,

The joint center system,

Data can be transmitted and received between the business system of the business operator and the payment institution system of the payment institution that performs the payment.

It has a business integrated virtual ID database that records user identification information for identifying a user, a virtual ID previously assigned to the user, and a credit card number of the user in association with each other. ,

Upon receiving the user identification information from the operator system, the operator extracts the virtual ID associated with the user identification information into the operator integrated virtual ID database, and transmits the extracted virtual ID to the operator system. ,

When the virtual ID is received from the payment institution side system, a credit card number associated with the virtual ID is extracted from the business operator integrated virtual ID database, and the extracted credit card number is transmitted to the payment institution side system. A shared center system.

[35] The business operator virtual ID database or the business operator integrated virtual ID database of the joint center system further records a virtual ID usage limit frame in association therewith.

When receiving an inquiry for a virtual ID corresponding to the user identification information from the business operator system, the system also receives the usage fee used by the user,

The business operator virtual ID database based on the user identification information in the inquiry. The virtual ID and the virtual ID usage limit frame are extracted from the source or the business integrated virtual ID database, and the total of the usage fee used by the user of the user identification information associated with the extracted virtual ID is extracted. If the calculated total is larger than the virtual ID usage limit frame, the extracted virtual ID is transmitted to the business operator system. Creating associated user identification information as negative data, and transmitting the extracted virtual ID and the negative data to the operator system;

35. The joint center system according to claim 33 or claim 34.

[36] This is a settlement method in which the toll settlement of transportation is performed by an auto-charge method or a post-payment method using an IC card, and is performed between the transportation-side system of the transportation operator and the settlement-institution system of the settlement institution. Can send and receive data,

The transportation-side system includes:

The reading device of the transportation-side system reads the IC card identification information recorded on the IC card by contact or non-contact with the IC card of the user of the transportation, and the reading device is used by the user. Calculate the fee,

Based on the IC card identification information, perform the processing of the reading device by the auto-charging method or the post-payment method for the user,

The control device receives the IC card identification information and the appropriation amount or usage fee from the reading device,

Extracting a virtual ID associated with the IC card identification information from the transportation-side virtual ID database;

Transmitting the extracted virtual ID and the appropriation amount or usage fee as billing data to the settlement institution side system,

The settlement institution side system,

The credit card number associated with the virtual ID in the received billing data is extracted from the payment institution side virtual ID database,

Recording the extracted credit card number and the appropriated amount or usage fee in the billing data in a credit card usage database; A settlement method characterized by that:

[37] This is a settlement method in which transportation is settled by an IC card using an auto-charge method or a post-payment method, and is performed between the transportation system of the transportation operator and the settlement system of the payment agency. Can send and receive data,

The transportation-side system includes:

The extracted virtual ID and the appropriation amount or usage fee are recorded on a recording medium as billing data,

The settlement institution side system,

By reading the billing data recorded in the recording medium, the credit card number associated with the virtual ID in the billing data is extracted from the payment institution side virtual ID database,

Recording the extracted credit card number and the appropriated amount or usage fee in the billing data in a credit card usage database;

A settlement method characterized by that:

[38] This is a payment method that uses an IC card to pay for transportation using an auto-charge method or a post-payment method. The payment system of the transportation company, the payment system of the payment agency, and the joint center Data can be sent to and received from the system,

The transportation-side system includes: The reading device of the transportation-side system reads the IC card identification information recorded on the IC card by contact or non-contact with the IC card of the user of the transportation, and the reading device is used by the user. Calculate the fee,

The control device receives the IC card identification information and the appropriation amount or usage fee from the reading device, and transmits the IC card identification information to the shared center system,

The joint center system,

Based on the IC card identification information received from the transportation side system, a virtual ID associated with the IC card identification information is extracted from the joint center virtual ID database, and the extracted virtual ID is extracted from the transportation side. To the system,

The transportation-side system includes:

Transmitting the virtual ID and the appropriation amount or usage fee received from the joint center system to the settlement institution side system as request data;

The settlement institution side system,

A settlement method characterized by that:

[39] This is a payment method that uses an IC card to pay for transportation using an auto-charge method or a post-payment method. Data can be sent to and received from the system,

The transportation-side system includes:

The reading device of the transportation-side system reads the IC card identification information recorded on the IC card by contact or non-contact with the IC card of the user of the transportation, and the reading device is used by the user. Calculate the fee, Based on the IC card identification information, perform the processing of the reading device by the auto-charging method or the post-payment method for the user,

The joint center system,

The transportation-side system includes:

Record the virtual ID received from the joint center system and the appropriation amount or usage fee as request data on a recording medium,

The settlement institution side system,

Reading the billing data recorded on the recording medium, extracting the credit card number associated with the virtual ID in the billing data from the payment institution virtual ID database,

Recording the extracted credit card number and the appropriated amount or usage fee in the billing data in a credit card usage database,

A settlement method characterized by that:

[40] This is a payment method that uses an IC card to pay for transportation using an auto-charge method or a post-payment method. Data can be sent to and received from the system,

The transportation-side system includes:

The reading device of the transportation system reads the IC card identification information recorded on the IC card by contacting or non-contacting the IC card of the user of the transportation, and the reading device is used by the user. Calculate the fee,

Based on the IC card identification information, perform the processing of the reading device by the auto-charging method or the post-payment method for the user, A control device receives the IC card identification information and the appropriation amount or usage fee from the reading device, and transmits the IC card identification information to the shared center system,

The joint center system,

Based on the IC card identification information received from the transportation system, a virtual ID associated with the IC card identification information is extracted from the integrated virtual ID database, and the extracted virtual ID is extracted from the transportation system. To the system,

The transportation-side system includes:

The settlement institution side system,

Extracting a virtual ID in the received billing data, transmitting the extracted virtual ID to the shared center system,

The joint center system,

Based on the virtual ID received from the settlement institution side system, a credit card number associated with the virtual ID is extracted from the integrated virtual ID database, and the extracted credit card number is extracted from the settlement institution side system. Send to

The transportation-side system includes:

A settlement method comprising: recording a credit card number received from the shared center system and a charge amount or a charge in the billing data in a credit card use database.

[41] This is a payment method that uses an IC card to pay for transportation using an auto-charge method or a post-payment method. The payment system of the transportation company, the payment system of the payment agency, and the joint center Data can be sent to and received from the system,

The transportation-side system includes:

The joint center system,

The transportation-side system includes:

The settlement institution side system,

Reading the billing data recorded on the recording medium, extracting a virtual ID in the billing data, transmitting the extracted virtual ID to the joint center system,

The transportation-side system includes:

[42] The transportation system includes:

The joint center virtual ID database or the integrated virtual ID database of the joint center system further records a virtual ID use limit frame and an assigned use limit frame in association with each other, Before the user starts using the IC card, the use limit setting device accepts an input of an IC card use limit frame desired to be given to the IC card and reads the IC card identification information, The joint center system sends an inquiry to the joint center system as to whether the use limit frame can be set together with the IC card identification information.

Based on the inquiry received from the use limit setting device and the IC card identification information, the joint center virtual ID database or the integrated virtual ID database is used to determine the virtual ID associated with the IC card identification information. The virtual ID usage limit frame and the assigned usage limit frame are extracted, and the assigned usage limit frame and the desired IC card usage limit frame received by the usage limit frame setting device are added, If the sum is equal to or less than the extracted virtual ID usage limit frame, a notification that setting is possible is transmitted to the usage limit frame setting device,

The use limit setting device,

After receiving the notification that the setting is possible from the shared center system, the IC card usage limit frame that has received the input is recorded on the IC card, and the previously recorded IC card usage limit frame is transmitted to the shared center system. ,

The joint center system,

After receiving the recorded IC card usage limit frame from the usage limit frame setting device, add it to the assigned usage limit frame for the virtual ID associated with the IC card identification information, and add a new assigned usage limit frame. Update as

The settlement method according to any one of claims 38 to 41, characterized in that:

[43] The joint center virtual ID database or the integrated virtual ID database of the joint center system further records a virtual ID usage limit frame in association therewith, and the transportation system includes:

The joint center system,

Based on the IC card identification information in the inquiry, the joint center virtual ID data The virtual ID and the virtual ID usage limit frame are extracted from the integrated virtual ID database, and the amount of the IC card identification information allocated to the extracted virtual ID or the sum of the IJ fee is calculated,

If it is equal to or less than the virtual ID usage limit, the virtual ID extracted above is transmitted to the transportation system, and if the calculated sum is larger than the virtual ID usage limit, the virtual ID is used. Creating the associated IC card identification information as negative data, transmitting the extracted virtual ID and the negative data to the transportation system, and

When receiving the negative data from the shared center system, the IC card compares the read IC card identification information with the negative data, and if the IC card identification information is included, the IC card The settlement method according to any one of claims 38 to 41, wherein the settlement method refuses use by a user.

[44] The business operator virtual ID database or the business operator integrated virtual ID database of the joint center system further records a virtual ID usage limit frame in association therewith, and the business operator system includes:

The joint center system,

The virtual ID and the virtual ID usage limit are extracted from the business operator virtual ID database or the business operator integrated virtual ID database based on the user identification information in the inquiry, and are associated with the extracted virtual ID. The total of the usage fee used by the user of the obtained user identification information is calculated, and if the total is less than the virtual ID usage limit frame, the extracted virtual ID is transmitted to the business operator system. If the calculated sum is larger than the virtual ID usage limit frame, create user identification information associated with the virtual ID as negative data, and transmit the extracted virtual ID and the negative data to the business operator system. And

The business operator system, When the negative data is received from the joint center system, when the user identification information is received from the user, the user identification information is compared with the negative data, and the user identification information is included. Refused to be used by the user having the user identification information,