JPH0830693A - Transaction processing method - Google Patents

Abstract

PURPOSE:To easily and safely perform the settlement of accounts of a commercial transaction between a user and a seller by discriminating whether a customer IC card can be handled by a customer IC card reader-writer at the time of the settlement of the transaction. CONSTITUTION:This method is provided with the customer IC card reader-writer 15 which reads and writes information out of and to the customer IC card 19 and a retail store IC card reader writer 8 which is connected thereto electrically and mutually and reads and writes information out of and to a retail store IC card 12. At the time of the settlement of accounts of the transaction, the customer IC card reader-writer 15 discriminates whether the customer IC card can be handled and when the card can be handled, new balance is recorded on the customer IC card 19 and transferred to the retail store IC card reader- writer 8, and recorded on the retail store IC card 12, thereby moving the settled amount of money. Therefore, the settlement process can easily be performed without complicated postprocessing.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing method which is used when an ID card is used in a department store, a supermarket, a retail store, etc., to verify the identity of the person, and to settle a transaction or purchase. In particular, it relates to a transaction processing method for a prepaid IC card in which balance information is recorded.

[0002]

2. Description of the Related Art Conventionally, department stores, supermarkets,
Retail stores, etc. (Hereinafter, these are collectively referred to simply as retail stores)
When using an ID card for shopping, the credit card method was the mainstream. This credit card system is such that personal information of a customer and credit can be given to the card itself, and payment can be made within a preset credit balance.

On the other hand, the development of semiconductor technology has been remarkable in recent years, and an IC card in which a semiconductor element such as a microcomputer or a memory is embedded in a card is being put to practical use. Unlike the magnetic card, this IC card can have a large amount of storage functions and processing functions, so that not only so-called ID functions such as customer personal information and credit providing information but also processing such as transaction information and security information available balance. Information can be stored.

[0004] For this reason, a so-called prepaid card has been devised in which a fixed amount is input to an IC card in advance, and the balance is withdrawn each time the card is used. This prepaid card (prepaid card) can play almost the same role as a currency because the card issuer (for example, a bank or the like) inputs not the amount information but the fund itself into the card. Examples of the payment method using this prepaid card include NTT telephone cards and JNR orange cards, but these use magnetic cards, and even if the funds at the time of payment can be reduced, they cannot be increased. . In addition, there is a disadvantage that the use range is specified. A prepaid card using an IC card can compensate for these drawbacks. For example, when shopping, you can make a reduction at a terminal at a retail store, go to a bank, and use ATMs to input cash as financial information in an IC card.

Therefore, unlike the prepaid card of the magnetic card system, it is not a disposable system and can be used repeatedly many times, so that extremely effective utilization can be produced.

[0006]

However, also in this prepaid system, when the user uses the retail store terminal to withdraw funds from the prepaid card, the financial institution that has written the usage amount and the fund information to the prepaid card. Information such as code, date of use, and user information is left as information on the retail store terminal side, and there is a drawback that post-processing occurs such that the retail store receives the usage amount from the corresponding finance based on that information. . In addition, there is a disadvantage that illegal information is rewritten.

[0007] It is an object of the present invention to eliminate the above-mentioned problems in a prepaid card and to perform settlement processing between a user and a seller in a commercial transaction extremely simply and safely.

[0008]

The present invention is directed to a transaction processing method of a prepaid IC card in which balance information is recorded. According to the present invention, in the transaction processing method, a customer IC card reader / writer means for reading / writing information of a customer IC card and electrically connected to the IC card reader / writer means for reading / writing information of an IC card for retail store. An IC card reader / writer means for writing to a retail store is provided. Then, at the time of transaction settlement processing, in the first invention, the customer IC card reader / writer means identifies whether or not the customer IC card can be handled. According to the second aspect of the invention, the customer IC card and the customer IC card reader / writer confirm that they are the correct terminal and card. If you identify a card that can be handled,
Or, if they confirm that they are the correct terminal and card, the new balance obtained by subtracting the payment amount from the available balance recorded in the IC card for customer is recorded in the IC card for customer, and the payment amount is To the retail store IC card reader / writer means, and the retail store IC card reader / writer means adds the transferred settlement amount to the balance recorded in the retail store IC card.

[0009]

In operation, the customer inserts his / her customer IC card into the customer IC card reader / writer means. And
In the first invention, the customer IC card reader / writer means identifies whether or not the customer IC card is a handleable card. In the second aspect of the invention, the customer IC card and the customer IC card reader / writer means mutually confirm the validity. Then, the payment amount is input through the operation unit of the transaction processing device. The customer IC card reader / writer means records a new balance, which is obtained by subtracting the previously entered payment amount from the current balance recorded in the customer IC card, into the customer IC card, and the payment amount is retailed. Transfer to a store IC card reader / writer means. The retail store IC card reader / writer means adds the transferred settlement amount to the balance recorded in the inserted retail store IC card.

Thus, the settlement amount can be deducted from the balance recorded in the customer IC card, and the linear settlement amount can be transferred to the retail store IC card, and the retail store IC card always has the current balance. Since it is recorded, it is not necessary to perform the complicated post-processing described above. Further, the customer IC card reader / writer means identifies whether or not the customer IC card is a handleable card, or the customer IC card and the customer IC card reader / writer means have mutual validity. Since the confirmation is performed, unauthorized rewriting of information is not performed.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the accompanying drawings. FIG. 1 is a block diagram showing an electrical configuration of one embodiment of the present invention, FIG. 2 is an external view of a retail store sales machine used in this embodiment, and FIG. 3 is I used in this embodiment.
It is an external view of a C card customer terminal.

In FIG. 1, this embodiment shows a retail vending machine connected to a host controller (eg, a central processing unit).
20 and an IC card customer terminal 30 connected thereto.

First, the configuration of the retail store sales machine 20 will be described in detail with reference to FIGS. 1 and 2. The retail store sales machine 20 is a device operated by a retail store owner (clerk),
It has the following elements. The customer display 1 is a device for displaying a purchase price to a customer. The customer display 1 is configured by using a liquid crystal, a light emitting diode or the like. The price display 2 is a device for the operator to confirm the purchase amount, and is constructed by using liquid crystal, a light emitting diode or the like, like the customer display 1. Multi-item input area 3 is CRT
And the like, and a touch sensor provided on the surface thereof. The manual type magnetic card reader 4 inserts the magnetic stripe portion of the card into a groove provided on the operation surface of the device, moves the card manually in a predetermined direction, scans the magnetic stripe portion, and magnetically scans the magnetic stripe portion. Read recorded information. Although this manual magnetic card reader 4 is not directly involved in the transaction according to this embodiment, it is provided for coping with various uses of the magnetic stripe portion of the retail store sales machine 20. A floppy disk drive (hereinafter abbreviated as FDD) 5 stores a system program of the retail vending machine 20, sales information, and the like.
Configured using inch FDD. The operation unit 6 is composed of a large number of keys, and is used by an operator to input necessary information by pressing the keys. The receipt printer 7 prints the information about the transaction on a journal paper or a receipt and discharges it. An IC card reader / writer 8 for the retail store writes / reads information to / from a semiconductor device such as a microcomputer or a memory embedded in the inserted IC card 12. The IC card reader / writer is roughly classified into a contact type and a non-contact type, and various configurations have been proposed so far. Therefore, IC
As the card reader / writer 8, a card reader / writer according to the system design specifications is used. The external connection interface section 9
An interface for exchanging data with the IC card customer terminal 30 is configured. The main control unit 10 includes a bus 11
Are organically controlled.

Next, the configuration of the IC card customer terminal will be described with reference to FIGS. The IC card customer terminal 30 is a device operated by the customer and includes the following components. The numeric keypad 13 is used for pressing a password. The display 14 is for instructing an operation to the customer or for displaying the number of digits of the password input by the numeric keypad 13, and is configured using a liquid crystal or the like. The IC card reader / writer 15 is a device for writing / reading information to / from a semiconductor element embedded in a customer IC card 19 carried by the customer. The external connection interface unit 16 constitutes an interface for exchanging data with the retail vending machine 20. The control unit 17 receives the instruction from the main control unit 10 of the retail vending machine 20, and organically controls the components 13 to 16 connected to the bus 18.

Next, the operation of the embodiment having the above configuration will be described.
This will be described in detail with reference to the operation flowchart of FIG.
Here, FIG. 4 is a flowchart showing a settlement process when a customer makes a purchase using an IC card.

First, as a settlement method for a customer, I
It begins by asking the retail store owner (clerk) to do what he / she does with the C card. The customer is his own IC card 19
Is inserted into the IC card reader / writer 15 of the IC card customer terminal 30 shown in FIG. 3 (step 102). At this time, a card insertion instruction is displayed on the display 14 of the IC card customer terminal 30 (step 101). The inserted customer IC card 19 is inserted into the IC card reader / writer 15.
Then, a positioning operation for making an electrical connection is performed (step 103). When the positioning is completed, the IC card reader / writer 15 electrically connects the customer IC card 19,
After activation by applying voltage to this, IC card for customer
Initialize 19 (step 104). The initialized customer IC card 19 stores the attributes of the card itself, for example, basic information (Answer to Reset) such as communication and procedures between the customer IC card 19 and the IC card customer terminal 30 in the IC. It is given to the control unit 17 via the card reader / writer 15 (step 105). Thereby, the IC card customer terminal 30
Can identify whether the inserted customer IC card 19 is a handleable card (step 106).
). If it can be determined in step 106 that the card can be handled, then the IC card customer terminal 30 and the customer IC
The card 19 confirms the validity (authentication) by exchanging and checking information (ID information) for confirming the correct terminal and card with each other (steps 107 to 110).

The above processing is the same when the retail store IC card 12 is inserted into the retail store vending machine 20 shown in FIG. 2 (steps 201 to 210 in block A). Note that the insertion of the retail store IC card 12 into the retail store sales machine 20 is unnecessary if it has already been inserted at the start of the settlement process. Therefore, in this case, the operations relating to steps 201 to 210 are not performed.

Control unit 17 of the IC card customer terminal 30
When the validity check in step 110 is completed, the ID information received in step 109 is checked via the external connection interface unit 16 to check whether or not the customer IC card 19 has been suspended. It is sent to the retail vending machine 20 (step 111). The main control unit 10 of the retail vending machine 20 stores the ID sent from the IC card customer terminal 30.
Receiving the information through the external connection interface unit 9;
Whether or not the transaction is possible is checked by collating with a negative file sent from a host controller (not shown) (step 112). If the transaction is accepted by this check, the main control unit
10 instructs the IC card customer terminal 30 to display that the customer has pressed the password. Control unit that received this instruction
17 controls the display 14 to make the display 14 indicate that the password has been pressed (step 113). In accordance with this display, the customer inputs the personal identification number by pressing the numeric keypad 13 (step 114). The password input in step 114 is transmitted to the customer IC card 19 via the IC card reader / writer 15 under the control of the control unit 17. The customer IC card 19 that has received the PIN
This is collated with the personal identification number recorded in the internal memory to confirm the identity (step 115).

If it is found by the collation in step 116 that the two are different, the customer IC card 19 notifies the control section 17 via the IC card reader / writer 15 of this fact. Then, upon receiving this notification, the control unit 17 causes the display 14 to display the password number difference (step
117). On the other hand, if both match at step 116,
The customer IC card 19 includes an IC card reader / writer 15, a control unit, an external connection interface unit 16, and
The main control unit 10 of the retail store sales machine 20 is notified via 19 that the two match. Upon receiving this notification, the main control unit 10 controls the display unit of the multi-item input area 3 to display an input instruction of the transaction amount, and prompts the retail store owner (clerk) to input the transaction amount and other items of transaction contents. (Step 118
). According to this display, the retailer inputs the transaction amount and the transaction contents of other items via the operation unit 6 (step S1).
119). This transaction amount is displayed on the customer display 1. The main control unit 10 that has received the input transaction content (keying data) checks its validity (step 12).
0). If it is determined in step 121 that the keyed transaction content is inappropriate, the main control unit 10 controls the display unit of the multi-item input area 3 to display a keying mistake or the like (step 122).

On the other hand, if it is determined in step 121 that the transaction content is correct, the main control unit 10 requests the customer IC card 19 via the IC card customer terminal 30 for the balance information recorded in its internal memory. Yes (step 123). Upon receipt of this request, the customer IC card 19 reads out the balance information recorded in the memory (step 124) and notifies the retail store sales machine 20 via the IC card customer terminal 30 (step 12).
Five ). Upon receiving this notification, the main control unit 10 compares the notified balance information with the transaction amount entered in step 119 (step 126), and if it is determined that the transaction is possible, the IC card customer terminal 30 The IC card 19 is instructed to reduce the transaction amount (step 127). Upon receiving this instruction, the customer IC card 19 updates the available balance information recorded in the memory (step 128), and notifies the updated balance information to the retail store sales machine 20 via the IC card customer terminal 30. Yes (step 129). Upon receiving this notification, the main control unit 10
A balance check is performed to see if the amount obtained by subtracting the transaction amount instructed in step 127 from the balance amount read in step 125 matches the updated balance information notified in step 129 (step 130). If the two match in the balance check, the main control unit 10 controls the display unit 3 of the multi-item input area 3 to display the detailed amount of the transaction (step 131). The retailer confirms that the correct payment has been made by the statement display, and presses the confirmation button of the operation unit 6 or the touch sensor of the multi-item input area 3 (step 132).
). In response to this, the main controller 10 receives the IC card 12 for retail stores.
In order to add the sales of this transaction, the settlement amount is transmitted to the retail store IC card 12 via the IC card reader / writer 8 (step 133). The retail store IC card 12 that has received the settlement amount adds the settlement amount to the sales amount (balance) recorded in the internal memory (step 134). Then, the retailer IC card 12 sends the settlement amount together with the new balance back to the retailer vending machine 20. Upon receipt of this, the main control unit 10 of the retail store sales machine 20 checks the balance (step 135).
If the remaining check is correct, the main control unit 10 instructs the customer IC card 19 to write the transaction record via the IC card customer terminal. Upon receipt of this instruction, the customer IC card 19 writes the transaction record in the internal memory (step 136). After completing this process, the customer IC card 19 is
The IC card reader / writer 15 which has received the instruction from 17 deactivates it (step 137) and ejects it for return to the customer (step 138). At this time, the display 14 receives the instruction from the control unit 17 and displays that the customer receives the card (step 139). Further, in parallel with the operation after step 137, the main controller 10 of the retailer vending machine 20 causes the receipt printer 7 to perform journal recording for leaving a transaction record (step 140), and at the same time, prints the receipt (step 140). 141). Thus, the settlement process is completed.

In the above, the case where the customer has made a single transaction by himself has been described.
The settlement amount is subtracted from the balance recorded in the customer IC card 19, and the settlement amount is directly transferred, and can be used in transactions with a large number of customers having other customer IC cards. The settlement amount is recorded and accumulated so as to receive cash. Therefore, the retail store IC card 12 in which the settlement amount is recorded can be handled like cash, and operates in the same manner as the customer IC card 19 in steps 201 to 210 in FIG. Can function as an IC card 19 for customers.

The embodiment of the present invention has been described above. In the present embodiment, the retail store sales machine 20 and the IC card customer terminal 30 are described as having separate housings. However, it is also possible to integrate them to realize a sales terminal composed of one housing.

[0023]

As described above, according to the present invention, the transaction amount is deducted from the available balance recorded in the customer IC card in the settlement processing of the shopping transaction using the prepaid IC card, and the transaction amount is used for retail stores. Since the transaction amount is directly transferred to the IC card, the retail store does not have to carry out the transaction processing to bring the transaction record to the financial institution after the transaction like a credit card or an offline POS system to carry out the cashing at all. The paperwork of retail stores and paperwork at financial institutions can be greatly reduced. For this reason,
The settlement process between the user and the seller in the commercial transaction can be performed extremely easily. Further, the customer IC card reader / writer recognizes whether or not the customer IC card is a handleable card, or the customer IC card and the customer IC card reader / writer confirm the validity of each other. Since this is done, unauthorized rewriting of information will not occur. Therefore, the settlement process between the user and the seller in the commercial transaction can be performed extremely safely.

Further, without cashing at a financial institution,
When the user goes to another retailer with this retailer's IC card, the retailer's IC card can be used as a customer's IC card. Since transactions are possible, cashlessness can be achieved at all, and security is improved because cash is not possessed, and secure transactions can be realized.

[Brief description of drawings]

FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention.

FIG. 2 is a diagram illustrating an appearance of a retail vending machine in the present embodiment.

FIG. 3 is a diagram showing an appearance of an IC card customer terminal in the present embodiment.

FIG. 4 is a flowchart of the operation of this embodiment.

[Explanation of symbols]

 1 Customer display 2 Purchase amount display device 3 Multi-item input area 4 Magnetic card reader 5 Floppy disk drive (FDD) 6 Operation part 7 Receipt printer 8 IC card reader / writer 9 External connection interface part 10 Main control part 11 Bus 12 Retail IC card for shop 13 Numeric keypad section 14 Display 15 IC card reader / writer 16 External connection interface section 17 Control section 18 Bus 19 IC card reader / writer for customer 20 Retail store sales machine 30 IC card customer terminal

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G06F 15/30 360

Claims (2)

[Claims] 1. In a prepaid IC card transaction processing method in which balance information is recorded, a customer IC card reader / writer means for reading / writing information of a customer IC card during transaction settlement processing is the customer. Based on the information of the customer IC card, it is determined whether the customer IC card is a handleable card, and when it is determined that the card is a handleable card, the balance recorded in the customer IC card A new balance obtained by deducting the payment amount from is recorded on the customer IC card, electrically connected to the customer IC card reader / writer means, and the information of the retail store IC card is read / read.
The payment amount is transferred to the IC card reader / writer means for writing to the retail store, and the transferred payment amount is added to the balance recorded in the IC card for retail store to obtain a new balance as a retail store I.
The transaction processing method, wherein the transaction amount is deducted from the balance recorded in the customer IC card and the transaction amount is directly transferred to the retail IC card by recording the transaction amount on the C card. 2. A prepaid type IC card transaction processing method in which balance information is recorded, wherein a customer IC card and a customer IC are used during transaction settlement processing.
The customer IC card reader / writer that reads / writes the information on the card confirms whether they are the correct terminals and cards, and when they confirm that they are the correct terminals and cards, the customer IC card A new balance obtained by subtracting the payment amount from the balance recorded in is recorded in the customer IC card, electrically connected to the customer IC card reader / writer means, and information of the retail store IC card. Lead /
The payment amount is transferred to the IC card reader / writer means for writing to the retail store, and the transferred payment amount is added to the balance recorded in the IC card for retail store to obtain a new balance as a retail store I.
The transaction processing method, wherein the transaction amount is deducted from the balance recorded in the customer IC card and the transaction amount is directly transferred to the retail IC card by recording the transaction amount on the C card.