JP2835236B2 - IC card processing system and IC card loading terminal device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an IC card applied to, for example, a cashless checkout system capable of shopping without exchanging cash, and a processing system therefor.

[0002]

2. Description of the Related Art At present, a cashless payment system using an IC card is experimentally implemented in some supermarkets and the like. This system uses IC
By loading (paying) the amount of money into the card as information and subtracting the amount of money loaded in the IC card according to the amount of shopping at the time of settlement (checkout), shopping can be performed without exchanging cash. It is like that.

[0003] According to such a system, the amount of cash distribution in a supermarket can be greatly reduced, for example, by eliminating the need for processing of change, so that accounting operations and daily sales aggregation operations can be simplified and simplified. There is a merit that can be made. In addition, there is an advantage that the customer is released from the hassle of carrying cash, especially coins.

However, in the conventional system, when the remaining amount (balance) of the IC card decreases, the IC
A card and cash are brought to a loading terminal device, and the IC card is loaded in exchange for cash. That is, the loading into the IC card requires a very complicated procedure such that the customer has to withdraw cash from his / her account using an ATM or the like and bring it to the loading terminal device. For this reason, cashless in the original sense has not been achieved, and there are many difficulties for customers to handle.

[0005] In order to reduce the burden of loading, it is conceivable to carry out expensive loading at one time.
There was a problem that the risk of the customer when the C card was destroyed or lost was increased.

[0006]

As described above, in the related art, since a very complicated procedure is required for loading, it is difficult to handle, and improvement has been demanded in terms of security. Therefore, an object of the present invention is to provide an IC card which is easy to handle and has high security and a processing system therefor.

[0007]

In order to achieve the above object, an IC card processing system according to the present invention comprises:
IC card processing system used for cash transactions
First storage unit for storing the information and the usage limit
Balance information obtained by subtracting the amount used for the transaction from the information
An IC card having a second storage unit for storing information,
In the case of cash transaction using IC card, the transaction
Stored in the second storage unit of the IC card according to the amount
Settlement means for updating the received balance information, and this settlement means
As a result, the balance information of the IC card is
When the credit limit information falls below the specified ratio, the IC card
Balance information stored in the second storage unit of the
1 by the difference from the credit limit information stored in the storage unit.
To automatically compensate for the balance information in the second storage unit
And information on the usage limit of the customer .

A terminal for loading an IC card according to the present invention.
In the device, a first storage device for storing the customer's usage limit information
From the storage unit and the credit limit information
Second storage for storing balance information after deducting the used amount
When using an IC card with storage for cash transactions
And, depending on the amount of the transaction,
By updating the balance information stored in the storage unit of
Used for IC card processing system substituted for money transaction
Stored in the second storage unit of the IC card.
The stored balance information is stored in the first storage unit.
To detect that the charge limit information has fallen below the specified ratio.
Output means and the detection means make the balance information
When it is detected that the amount information has become less than the predetermined ratio,
The balance information stored in the second storage unit of the IC card
Report to the usage limit information stored in the first storage unit.
Compensation means for compensating for the balance information in the second storage unit.
It is composed of

[0009]

According to the present invention, by means of the above-mentioned means, it becomes possible to automatically load information on the amount of money equal to or less than the usage limit into the IC card, so that no special procedure is required and a certain level of security is ensured. Can be secured.

[0010]

An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows a schematic configuration of a cashless payment system according to the present invention.

In the figure, reference numeral 10 denotes a cashless I owned by each customer, for example, for making cashless payments for shopping at supermarkets.
It is a C card.

Reference numeral 20 is installed in a supermarket or the like, and accepts the cashless IC card 10 owned by the customer at the time of settlement (payment), and performs settlement (payment by the IC card 10) for shopping performed by the customer. This is a register corresponding to an IC card.

Reference numeral 30 denotes an ATM (automatic teller machine) installed in a financial institution such as a bank, which loads predetermined amount information from a customer's account into a cashless IC card 10 owned by the customer. It has a function as a loading terminal device for (payment). Reference numeral 31 denotes a customer file which is connected online to the above-mentioned ATM or the like and manages the account number and account balance of the customer. FIG. 2 schematically shows the cashless IC card 10 described above.

On the surface of the cashless IC card 10, an input section 11 as an input means operated by a customer, and a display section as a notifying means for notifying the information inputted by the input section 11, the state of the IC card 10, and the like. 12 are provided.

The input unit 11 includes, for example, a ten key 13
"Load" key 14a, "yen" key 14b, "automatic"
The operation key 14 includes a key 14c, a setting key 14d, and the like. FIG. 3 schematically shows the configuration of the cashless IC card 10 described above.

The cashless IC card 10 has a configuration in which the input unit 11, the display unit 12, the storage unit 16, the connection unit 17, and the like are connected to a CPU 15 as a control unit that controls the entire operation. ing.

The storage unit 16 includes, for example, an area 16a for storing information relating to a personal identification number, an area 16b for storing information relating to a balance, an area 16c for storing information relating to a chargeable amount as usage limit information, and an account number. An area 16d for storing information is provided.

The connection unit 17 is for electrically connecting, for example, the register 20 or ATM 30 to the IC card 10 and exchanging various information with the CPU 15. Next, the operation in the above configuration will be described. First, the initial setting when used as the cashless IC card 10 will be described.

For example, it is assumed that the "setting" key 14d of the operation keys 14 of the input unit 11 is input to the unused IC card 10. Then, it is CPU1
5 detects and sets the setting mode.

When the customer operates the ten keys 13 and operation keys 14 of the input unit 11, the storage unit 16 is operated.
Registration of the password in the password storage area 16a,
The setting registration of the reloadable amount in the reloadable amount storage area 16c and the setting registration of the account number in the account number storage area 16d are performed.

Here, the loadable amount information is the ATM 30
Indicates the limit of the amount information for automatic reloading from the user's own account via the IC card 10, that is, the maximum amount that can be used by the IC card 10.

Further, for example, a personal identification number storage area 16a
After the setting and registration of the personal identification number in the receivable amount storage area 16c and the setting and registration of the receivable amount in the receivable amount storage area 16c and the account number storage area 16d, unless the password is matched. It is not possible to change settings such as account number registration.

Thus, each area 16a,
After the settings are registered in 16c and 16d, payment from the account, that is, the money amount information based on the chargeable amount information by the ATM 30 is deducted from the account corresponding to the account number and loaded into the balance storage area 16b ( The details will be described later), so that the cashless IC card 10 can be used. Subsequently, payment at the time of shopping using the cashless IC card 10 will be described.

For example, in a supermarket, when an article to be purchased is brought into a cash register, a clerk calculates the total amount. At this time, the cashless IC card 10 owned by the customer is
It is presented to the staff by the customer.

In this case, the cashless IC card 10
Is entered in advance by the customer using the numeric keypad 13 of the input unit 11.
When the personal identification number is input using the password, the input personal identification number is compared with the personal identification number set and registered in the IC card 10, that is, the personal identification number stored in the personal identification number storage area 16a of the storage unit 16. Payment is made only when a match is confirmed.

The IC card 1 in a state in which payment is possible
When 0 is inserted into the register 20 by the attendant, the balance information stored in the balance storage area 16b of the storage unit 16 in the IC card 10 in response to, for example, insertion of a card payment key (not shown). Is read via the connection unit 17. Then, the balance information is compared with the payment amount (total amount of goods). If the payment amount is equal to or less than the balance information, the payment amount is subtracted from the balance information.

At this time, the new balance information obtained by subtracting the payment amount from the balance information is transmitted to the IC card 10 via the connection unit 17, and the balance storage area 1 in the storage unit 16
The balance information in 6b is updated.

Thereafter, the IC card 10 is ejected from the register 20 and returned to the customer, thereby completing the payment transaction. Then, for example, the payable state is released by the customer, and the IC card 10 is carried by the customer.

If the payment amount exceeds the balance information, the customer is notified of a balance shortage error and the payment transaction by the IC card 10 is prohibited. At this time, for example, it is also possible to receive cash equivalent to the shortage amount from the customer and continue the payment transaction. Subsequently, the cashless IC card 10 will be described with reference to FIG.
The loading of the money amount information into will be described.

When the balance of the card decreases due to payment by the IC card 10, the customer brings the cashless IC card 10 to the ATM 30. Then, the IC card 10 and the passbook are stored in the ATM 3
0, and the process of “load menu (not shown)” is selected.

Then, the account number information stored in the account number storage area 16 d of the storage unit 16 in the IC card 10 is read via the connection unit 17. Then, the customer file 31 is queried according to the account number information, and the account balance corresponding to the account number is read.

The loadable amount information stored in the loadable amount storage area 16c of the storage unit 16 of the IC card 10 and the balance information stored in the balance storage area 16b are transmitted via the connection unit 17 through the connection unit 17. Read. And
The difference between the loadable amount information and the balance information is calculated, and the difference is compared with the account balance. In addition,
Regarding this difference, for example, the CP in the IC card 10
Only the result calculated in U15 may be read via the connection unit 17.

If the difference exceeds the account balance, that is, if the account balance is insufficient, the fact is notified to the customer and this loading process is prohibited. At this time, for example, the following loading processing can be performed based on information on the amount of money that can be deducted from the account balance.

If the difference is equal to or less than the account balance, the difference is deducted from the account balance, and this is notified to the IC card 10 via the connection unit 17, whereby
The balance information in the balance storage area 16b is rewritten by the loadable amount information.

At this time, printing on the passbook and issuance of the receipt are performed by withdrawal (withdrawal) in a normal ATM.
This is performed in the same manner as the processing. When the IC card 10 and the passbook are discharged from the ATM 30,
This loading process ends.

In this way, the balance of the IC card 10 is compensated for by the amount information corresponding to the difference from the reloadable amount information, so that the card 10 can be newly paid with a limit corresponding to the reloadable amount. Becomes Next, another embodiment of the present invention will be described.

For example, the cashless IC card 10
It is also possible to prepare a communication device for each of the ATM and the ATM 30, and use the communication device to perform the above-described loading process.

Now, when the balance of the card is reduced due to payment by the IC card 10, the customer brings the cashless IC card 10 to the ATM 30. At this time, when the customer turns on the “load” key 14 a of the operation keys 14 of the input unit 11 provided on the IC card 10, the wireless communication automatically starts between the IC card 10 and the ATM 30. Is done. As a result, IC
The above-described loading process is automatically executed only by the customer having the card 10.

As shown in FIG. 5, for example, the customer inputs the required charging amount information by inputting the ten key 13 and the "yen" key 14b of the operation keys 14 of the input unit 11 provided on the IC card 10 by the customer. When the "automatic" key 14a of the operation keys 14 is pressed,
The wireless communication is automatically started just by the customer holding the C card 10 approaching the ATM 30, and the above-described loading processing can be automatically executed according to the above-mentioned required loading amount.

In this case, by setting the loading request amount as a condition as to whether or not to execute the loading process, for example, such that the balance is 50% of the reloadable amount, the card balance becomes 50% of the reloadable amount. Since the loading process is performed only in the following cases, more efficient operation can be achieved. As described above, the cashless IC card can be automatically loaded with money information equal to or less than the amount that can be loaded.

That is, the card balance can be directly compensated from the ATM by the difference between the card balance and the receivable amount. As a result, the cash withdrawal from the ATM and the loading into the IC card can be collectively processed, so that the loading process can be simplified and
The balance in the IC card can be reduced to a certain amount or less. Therefore, it can be easily handled by anyone, and the security can be greatly improved. In addition, this invention is not limited to the said Example, and, in the range which does not change the summary of invention,
Needless to say, various modifications can be made.

[0042]

As described above, according to the present invention, it is possible to provide an IC card which is easy to handle and has high security, and a processing system therefor.

[Brief description of the drawings]

FIG. 1 is a configuration diagram schematically showing a cashless payment system according to an embodiment of the present invention.

FIG. 2 is a configuration diagram schematically showing a cashless IC card.

FIG. 3 is a block diagram schematically showing the configuration of a cashless IC card.

FIG. 4 is a flowchart similarly shown for explaining the operation.

FIG. 5 is a flowchart illustrating an operation according to another embodiment of the present invention.

[Explanation of symbols]

10 cashless IC card, 11 input unit (input means), 12 display unit (notification means), 13 numeric keypad
14 ... operation keys, 15 ... CPU, 16 ... storage unit, 16a
... Password storage area, 16b ... Balance storage area, 16
c: loadable amount storage area, 16d: account number storage area, 17: connection unit, 20: register (payment means), 30
... ATM (compensation means), 31 ... Customer file.

──────────────────────────────────────────────────続 き Continued on the front page (58) Fields surveyed (Int. Cl. ⁶ , DB name) G06F 19/00 G06F 17/60 G06K 19/07 G07D 9/00 436

Claims (2)

(57) [Claims] 1. A processing system for an IC card used for a cash transaction, comprising: a first storage unit for storing customer's credit limit information; and a difference between the credit limit information and the amount used for the transaction.
IC having a second storage unit for storing the subtracted balance information
A card, a cashing unit using the IC card, and a settlement unit for updating balance information stored in the second storage unit of the IC card in accordance with the transaction amount; and a settlement by the settlement unit. When the balance information of the IC card becomes equal to or less than a predetermined ratio of the usage limit information, the balance information stored in the second storage unit of the IC card and the balance information stored in the first storage unit are stored. A compensation means for automatically supplementing the balance information in the second storage unit with a difference from the usage limit information. 2. A first method for storing information on a customer's usage limit.
Used for transactions from the storage unit and this credit limit information
Second storage for storing balance information after subtracting the paid amount
In the case of cash transaction using an IC card having a part,
According to the transaction amount, the second description of the IC card
By updating the balance information stored in the storage unit,
Used in IC card processing systems that
A shall, balance information stored in the second storage unit of the IC card
A predetermined ratio of the usage limit information stored in the first storage unit
Detecting means for detecting that the rate has fallen below the rate, and the detecting means converts the balance information to the usage limit information.
When it is detected that the ratio has fallen below the fixed ratio, the IC card
The balance information stored in the second storage unit of the
1 so that it becomes the usage limit information stored in the storage unit.
A refilling means for refilling the balance information in the second storage unit, and
Place.