JPH09134457A - Trasaction device for portable recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily perform the management of a postpayment in the transaction device of a portable recording medium (card, etc.) which can be used in the both of a prepaid system and the postpayment system by providing specified reading means, input means, subtraction means, addition means and writing means. SOLUTION: A reading means reads data such as the data of the present remaining amount recorded in the ID NO. card 3 of a card 3 from the card 3 inserted into a transaction device main body 1. An input means inputs the data of transaction amount accompanying a transaction such as the purchase of an article, etc., in the transaction device main body 1. A subtraction means subtracts inputted transaction amount from the read remaining amount. When an addition means adds preliminarily fixed supplement amount to the card 3 when the subtracted amount is less than the prescribed amount. A writing means subtracts the transaction amount from the added amount and writes the data of the new obtained remaining amount in the card 3. Thus, the management burden of a postpayment processing can be reduced.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention uses a portable recording medium such as a magnetic card or an IC card possessed by a user, which is capable of recording predetermined data such as an amount of money, and makes a predetermined purchase of a product. The present invention relates to a transaction device for a portable recording medium for carrying out a transaction.

[0002]

2. Description of the Related Art Conventionally, there are a prepayment method and a prepayment method as a card when carrying out a transaction such as a product purchase using a portable recording medium such as a magnetic card (hereinafter referred to as "card"). A prepayment card stores data corresponding to a predetermined amount of money in advance on the card, and at the time of transaction, the amount corresponding to the transaction amount from the card inserted into the card transaction device (hereinafter referred to as “transaction device”). Are configured to be reduced.

A postpay card has a cardholder's identification data (hereinafter referred to as "ID No.") recorded on the card, and the ID No. from the card inserted in the transaction device at the time of transaction. Is read and the read IDN
o. And the transaction amount are recorded in the host computer of the card management company. Then, at a later date, payment processing such as withdrawal from the user's bank account is performed.

In the case of a prepaid card and a postpaid card, it is convenient for the user to carry out a predetermined transaction such as purchase of goods even if he / she does not have money such as banknotes. In recent years, card usage has been increasing more and more.

[0005]

However, in the case of the above-mentioned prepaid card, when the transaction exceeds the balance of the card, the shortage must be paid in cash.

Also, in the case of the above-mentioned postpaid card, if the transaction data recorded in the card management company is lost, the card management company may suffer a loss, and if the transaction data is leaked to a third party, it is used. Privacy may be compromised. Furthermore, when small amount transactions are frequently performed, such as when purchasing a ticket for a short distance using a card, not only the transaction management amount increases and the management work becomes complicated, but also the management cost increases. There is a point.

As a method for solving such a problem, the prepayment method is basically used, and the deficient amount is processed by the prepayment method. The prepayment method is basically used, and when the prepayment amount is insufficient, the prepayment method is switched to. It may be possible to select whether to use the prepaid method or the postpaid method at each time of transaction so that it can be processed.

By the way, if the post-payment method is available as necessary as described above, in consideration of the user's convenience, the procedures such as inputting the personal identification number and signature required for the normal post-payment method are omitted. However, in this case, transactions will be carried out exclusively by the post-payment method without replenishing the card with the prepaid amount, and as a result, there is a concern that the card will be the same as the post-payment method card.

Therefore, the present invention has been made to solve the above-mentioned drawbacks, and an object thereof is to eliminate the troublesomeness of cash settlement processing when a prepaid amount is insufficient in a prepaid transaction. It is an object of the present invention to provide a transaction device that does not require strict management of transaction information every time as in the post-payment method and realizes transaction processing in which actual use is not biased to the post-payment method.

[0010]

In order to achieve the above-mentioned object, a transaction apparatus according to the present invention has a card inserted in a transaction apparatus main body and an ID No. of the card. , Reading means for reading data such as current balance data recorded on the card, input means for inputting transaction amount data associated with a transaction such as product purchase to the transaction device body, and the read balance. Subtraction means for subtracting the input transaction amount, addition means for adding a predetermined replenishment amount to the card when the subtracted amount is less than a predetermined amount, and the transaction amount from the added amount It has a writing means for writing new balance data obtained by subtraction into the card. Further, the addition means is characterized in that a predetermined replenishment amount is repeatedly added until a new remaining amount obtained by subtracting the transaction amount from the added amount becomes a predetermined amount or more.

In order to achieve the above-mentioned object, the transaction apparatus according to the present invention is designed such that a card inserted in the transaction apparatus main body receives an ID No. of the card. , A reading means for reading data such as the current balance data recorded on the card, an input means for inputting the transaction amount data associated with a transaction such as product purchase to the transaction device body, and the input amount is When it is larger than the amount obtained by adding a predetermined replenishment amount to the read remaining amount, it is characterized by including post-delivery control means for making the input amount post-delivery processing.

[0012]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a front view of the transaction device body 1.

This transaction device main body 1 has a switch 2 for activating the transaction device main body 1 in the same manner as a known card reader / writer for processing a card on which magnetic data is recorded.
And the insertion slot 4 of the card 3 and the input section 5 consisting of a numeric keypad
And a display screen 6.

In the figure, 7 is a controller for controlling the transaction apparatus main body 1 in a centralized manner, and a block diagram thereof is shown in FIG.

That is, the controller 7 has a central processing unit (CPU) 10 which performs arithmetic processing using a system program stored in the ROM 8 and working data stored in the RAM 9. And this CPU
Reference numeral 10 denotes a read / write unit 12 for reading data recorded on the card 3 or writing new data to the card 3 via the I / O unit 11, and a display screen 6
Display driver 13 for controlling the display contents of the display device, an input driver 14 for receiving an input signal from the input unit 5, and a communication control unit 15 for connecting to a host computer (an external device in FIG. 1) of the operating company of the card 3. And are connected.

Next, with reference to the flow chart of FIG. 3, the control operation will be described by further exemplifying the amount of money in order to facilitate understanding. In step 100 of FIG. 3 (hereinafter, step is referred to as S) 100, n represents the number of times (replenishment) of a predetermined replenishment amount unit of 3,000 yen is added (replenishment). Now, when the card 3 is inserted into the insertion slot 4, the read / write unit 12 reads the data recorded on the card 3 (S102). The card 3 has the balance A (1,000 yen) before the transaction and the ID No. of the card 3. B is written (S104).

Further, the card 3 is required to be withdrawn from the user's bank account later (condition for the post-payment method).
In addition, the data of the replenishment amount unit C (3,000 yen), which is the amount of money when the predetermined amount is added to the card, and the remaining amount after the transaction are the predetermined amount (preparation reference amount D (1, 000
The data of yen)) is recorded. The preparation reference amount D will be described later.

Now, the user makes a transaction of 1,500 yen,
It is assumed that the amount (transaction amount P) is input from the input unit 5 (S106). In this case, the balance of the card is 1,000 yen, and the shortage of 500 yen will occur for payment (S108).

As described above, when a shortage occurs in the transaction, that is, the predetermined preparation reference amount D (1,000 yen)
If it does not satisfy the condition (No at S110), the amount (3,000 yen) of the replenishment amount unit C of the predetermined amount determined at the time of the contract is added. Therefore, the amount A on the card 3 is
It becomes 4,000 yen, and the new balance A'reduced from the transaction value of 1,500 yen is (1,000 yen + 3,000 yen-1,
It becomes 2,500 yen (500 yen) (S114).

When the transaction amount is, for example, 6,000 yen, the replenishment amount unit C (3,000 yen) is twice (n =
2) The replenishment amount is Cn = 6,000 yen (C × n).

Further, the remaining amount after the transaction is the preparation standard amount (1,0
In order to avoid inconvenience to the next transaction, the remaining amount after the transaction becomes less than the reserve standard amount of 1,000 yen, and the replenishment amount unit C
(3,000 yen) is added (No at S116).

In any case, the replenished amount Cn identifies the user, that is, the ID No. It is recorded together with the host computer (S118). Then, the new balance A'is recorded on the card 3 and returned to the user (S
120).

As described above, since the replenishment amount due to postpay is a relatively high amount, the number of replenishment, that is, the postpay process is small, and therefore the management of the postpay process can be reduced.

In addition, since the preparation reference amount D is set so that the remaining amount A'is set in advance to some extent, the convenience of the next card use can be improved.

The predetermined amount (preparation standard amount) D may be set to 0 yen. In this case, replenishment will be performed only when the shortage occurs.

FIG. 4 shows another control operation example. Even if a predetermined replenishment amount C (3,000 yen) is added to the remaining amount A (for example, 1,000 yen) of the card 3. (1,000 yen + 3,000 yen = 4,000 yen), if the amount (4,000 yen) is smaller than the transaction amount P (5,000 yen), add the replenishment amount C to the card C Instead, the entire transaction amount P (5,000 yen) can be set to the post-payment method (No at S212, S213). Others are almost the same as the above-described flow of FIG. 3, and therefore further description will be omitted.

As described above, in the case of a high-value transaction exceeding a predetermined amount, the post-payment processing can be performed to improve the convenience of the user.

In the above example, the card 3 is a magnetic card, but it may be an IC card that is connected to the transaction apparatus main body 1 or sends / receives data in a contactless manner. In this case, the storage capacity is large, which is more preferable. Therefore, in the present invention, the card inserted in the transaction device body also includes such IC cards as cards.

[0029]

According to the transaction device of the present invention, the ID No. of the card inserted in the transaction device body can be changed. , Reading means for reading data such as current balance data recorded on the card, input means for inputting transaction amount data associated with a transaction such as product purchase to the transaction device body, and the read balance. Subtraction means for subtracting the input transaction amount, addition means for adding a predetermined replenishment amount to the card when the subtracted amount is less than a predetermined amount, and the transaction amount from the added amount Since the new balance data obtained by subtraction is written into the card, it is possible to reduce the number of post-payment processes since the amount of the post-payment process is somewhat high even if post-payment processing is performed. The management burden of post-payment processing can be reduced. When the adding means repeatedly adds the predetermined replenishment amount until the new remaining amount obtained by subtracting the transaction amount from the added amount becomes equal to or more than the predetermined amount,
Deferred payment processing according to the transaction amount can be effectively performed.

The transaction device according to the present invention is designed such that a card inserted in the transaction device main body receives the ID No. of the card. , A reading means for reading data such as the current balance data recorded on the card, an input means for inputting the transaction amount data associated with a transaction such as product purchase to the transaction device body, and the input amount is When the amount is larger than the amount obtained by adding a predetermined replenishment amount to the read remaining amount, it consists of post-delivery control means that makes the input amount post-delivery processing. It is possible to make post-delivery processing.

[Brief description of the drawings]

FIG. 1 is a front view of a transaction device body according to an embodiment of the present invention.

FIG. 2 is a block diagram of a controller.

FIG. 3 is a flowchart illustrating a control operation.

FIG. 4 is a flowchart showing a control operation.

[Explanation of symbols]

1 transaction device body for portable recording medium (transaction device body) 2 switch 3 portable recording medium (card) 4 insertion slot 5 input section 6 display screen 7 controller

Claims (3)

[Claims] 1. Data for identifying a holder of the portable recording medium from the portable recording medium inserted into the main body of the transaction device for portable recording medium, and data of the current balance recorded on the portable recording medium. Reading means for reading data such as data, input means for inputting transaction amount data associated with a transaction such as purchase of goods into the portable recording medium transaction device body, and subtracting the input transaction amount from the read balance. Subtraction means, addition means for adding a predetermined replenishment amount to the portable recording medium when the subtracted amount is less than a predetermined amount, and transaction amount obtained by subtracting the transaction amount from the added amount. And a writing means for writing the new balance data into the portable recording medium. 2. The adding means, until the new remaining amount obtained by subtracting the transaction amount from the added amount exceeds a predetermined amount,
2. The transaction device for portable recording medium according to claim 1, wherein a predetermined replenishment amount is repeatedly added. 3. Data for identifying the holder of the portable recording medium from the portable recording medium inserted into the main body of the transaction device for portable recording medium, and the current balance data recorded on the portable recording medium. Reading means for reading data such as the above, input means for inputting data of the transaction amount involved in the transaction such as product purchase into the portable recording medium transaction device main body, and the input amount is predetermined as the remaining balance read. And a post-delivery control means for performing post-delivery processing on the input amount when the replenishment amount is greater than the sum when the replenishment amount is added.