JPH09102002A - Approval card and automatic paying machine for approval card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To use an approval card within the limit of the paying capacity of a user and to permit a card company to securely collect price by deciding the write condition of sum data stored in a memory provided in an approval card main body. SOLUTION: When the approval card C is loaded on the antenna part 3 of a paying machine 1, communication is started between the paying machine 1 and the card C. When a prescribed processing operation is executed based on sum data stored in the memory M of the approval card C, the corresponding sum is subtracted and data is rewritten into new sum data. The sum stored in the memory M is a sum which is set within the range of the sum, which is stored in a user account memory 23 in the host computer 20 of a bank when the approval card C makes communication with the paying machine 1. That data of the sum which is set from the account memory of the possessor of the approved card C is moved to the account memory 24 of the card company is written into the condition.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment card that can pay various purchase prices based on internally stored amount data, and an automatic transfer machine for the payment card.

[0002]

2. Description of the Related Art With the advent of a card-based society in recent years, various types of prepaid cards and stored fair (SF) cards have come to be used frequently.

For example, in an automatic ticket vending machine, passengers can buy a ticket using a prepaid card, and with an SF card, a passenger ticket can be purchased with an automatic ticket vending machine, and the SF card is directly inserted into an automatic ticket gate. Tickets are becoming available.

In addition to the above-mentioned prepaid card, postpaid cards that can be later withdrawn from the user's bank account, such as various credit cards, are also widely used.

[0005]

However, in the former prepayment type card, the card must be purchased in cash, which is inconvenient for the user and is a feature of the card society. It has one side that is against the tendency to be less.

[0006] In the latter post-payment type card, although the purchase may exceed the payment capability of the user while achieving complete cashlessness, the card company may not collect the payment. May suffer losses.

[0007] Therefore, the present invention has been made in order to solve the above-mentioned drawbacks, and the purpose thereof can be used within the limits of the payment ability of the user, and therefore the card company can certainly collect the payment. It is to provide a payment card and an automatic transfer machine for the payment card.

[0008]

In order to achieve the above object, a payment card according to the present invention performs a predetermined processing operation based on predetermined amount data stored in a memory provided in the main body of the payment card. Is a payment card whose amount corresponding to the predetermined processing operation is reduced and rewritten with new amount data, the predetermined amount data stored in the memory is the payment card body. Is set within the range of the amount of money stored in the account memory of the owner of the payment card in the host computer of the bank, and the possession of the card itself It is written on condition that the set amount data is transferred from the account memory of the person to the account memory of the card company that operates the card body. It is characterized by a door. Further, the communication between the card body and the transfer machine body is performed in a non-contact manner.

An automatic transfer machine for a payment card according to the present invention,
In order to achieve the above object, it has a communication means for communicating with a payment card body, and a writing means for writing a predetermined amount of data in a memory provided in the payment card body, and a host computer of a bank. The predetermined amount data written in the memory is set within the range of the amount stored in the account memory of the holder of the payment card body in the host computer of the bank. The specified amount of data has been transferred from the account memory of the holder of the card body to the account memory of the card company that manages the payment card body. It is characterized by being Further, the communication between the payment card body and the automatic transfer machine is performed without contact.

[0010]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows a payment card according to the present invention (hereinafter referred to as a “card” including the payment card body) C
FIG. 3 is a perspective view of an automatic transfer machine main body (hereinafter referred to as “transfer machine”) 1 used when writing monetary amount data.

The transfer machine 1 is installed in a station yard, an ATM corner of a bank, a department store or the like which is easy for users to use. A touch panel type display screen 2 is provided on the customer service side of the transfer machine 1, and
A mountable antenna unit 3 is provided for transmitting and receiving data without contacting the card C. The transfer machine 1 is connected to a host computer of a bank as described later.

The card C is, for example, an actual Kaihei 7-6850.
It is composed of an IC card having a wireless communication function used in a non-contact type automatic ticket gate as shown in Japanese Patent Publication No.

FIG. 2 is a perspective view of an automatic ticket gate 10 that can be used for ticket processing with the card C.

At the entrance side of the ticket gate passage of the casing H of the automatic ticket gate 10, there is provided a display section 11 for displaying to the user whether or not the automatic ticket gate 10 is in use, that is, whether or not the ticket gate passage can be passed. It is provided. A communication area 12 for transmitting and receiving data to and from the card C carried by the user a by wireless communication is provided on the upper part of the front of the housing H. An antenna 14 connected to the transmitter 13 faces the communication area 12.

Numerals S, S ... Are photoelectric type human detectors for detecting the entrance of a user into the ticket gate passage, the exit from the ticket gate passage, or the passage thereof, and the side surface of the housing H and the arm 1
5 attached. A speaker 16 for broadcasting a predetermined guide to the user is attached to the side surface of the housing H.

Reference numeral 17 is a controller for controlling the operation of the automatic ticket gate 10 and is mainly composed of a microcomputer. The controller 17 is connected to the above-mentioned transmitter 13 for exchanging data with the card C. This transmitter 13 has an antenna 14
It has a function of receiving a transmission signal from the card C side via the.

FIG. 3 shows the transfer machine 1 and the automatic ticket gate 1 described above.
0, a card C, and a host computer 20 of a bank, which will be described from the transfer machine 1. A communication control unit 1a that communicates with the host computer 20, a central processing unit (CPU) 1b that performs arithmetic processing, and a display. Input / output unit 1c for displaying the screen 2 and for inputting from the display screen 2
And a transmitter 1d to which the antenna unit 3 is connected.

The host computer 20 provided on the bank side stores a communication control section 21 for communicating with the transfer machine 1 side, an arithmetic processing section 22, and deposit data for each bank user (customer). It has a user account memory 23 for storing and a railway company account memory 24 for storing deposit data of a railway company which is an operating company of the card C described above.

The controller 17 of the automatic ticket gate 10 is connected to a door drive unit 18 for driving the door D in addition to the transmitter 13 described above. Although various amplifiers such as the sensor S are connected to the controller 17, they are omitted here.

The card C is similar to an ordinary IC card having a wireless communication function, and the antenna 30 for receiving a signal from the transfer machine 1 or the automatic ticket gate 10 and the transfer machine 1 from the card C are used.
Alternatively, a reflection antenna 31 that phase-modulates data transmitted to the automatic ticket gate 10 to generate a reflected signal, a receiver 32 that processes the signal received by the receiving antenna 30, and the transfer machine 1 or the automatic ticket gate 10 CPU 33 having a memory M for storing the boarding station and the amount data (card data), a phase modulator 34 for modulating the phase of the reflected signal with the card data, and a card C for driving the card C. A battery E is provided.

Here, the data exchange between the card C and the automatic ticket gate 10 will be described. When the transmission signal transmitted from the antenna 14 is received by the reception antenna 30, the reception section 32 equipped with a detection circuit, a demodulation circuit and the like. At automatic ticket gate 10
The transmission data from the side is extracted and stored in the memory M of the CPU 33. The CPU 33 serializes the card data (digital signal) to be sent to the automatic ticket gate 10 and outputs the serialized card data to the phase modulator 34.
Therefore, a signal obtained by modulating the subcarrier with the card data is generated from the multiplication circuit.

When the antenna 14 of the transmitter 13 receives the reflection signal reflected by the reflection antenna 31, the reception circuit (not shown) performs detection processing, filtering processing and amplification processing to extract the data from the card C side. And
The extracted card data is used as the controller 1 of the automatic ticket gate 10.
7 and is used for arithmetic processing of the automatic ticket gate. Such data exchange between the card C and the automatic ticket gate 10 is also performed between the card C and the paying machine 1, and the money amount data is written in the memory M of the card C.

Next, the data writing control operation of the card C by the transfer machine 1 will be described with reference to the flowchart of FIG.

Now, it is assumed that the user places the card C on the antenna section 3. The card C has an antenna section 3
Since the card C is located within the communication range of the transmitter 1a, the communication is started between the transfer machine 1 and the card C (Yes at Step 100, Step 102. Hereinafter, Steps will be described. S.).

When this communication is started, operation guidance is given on the display screen 2 (S104). That is, on the display screen 2, after the user's identification number (ID No.) is input, the user is prompted to input the amount of money to be written in the card C. According to this guide, the user's ID No. When is input from the touch panel display screen 2 (Yes in S106), the host computer 20 side determines whether the card C is true or false (S108).

When the card C is determined to be normal (S110
Yes, the amount of money can be input, and the desired predetermined amount of money is input through the display screen 2 (S112). Of course, when the card C is determined to be an abnormal card, a message indicating that the card C cannot be traded is displayed (No at S110, S113).

When the entered amount exceeds the amount of the account of the user (holder of the card C) in the bank, re-entry guidance is given (No at S114, S116). Then, when the amount of money set by the input is less than or equal to the amount of money in the user's account (Yes in S114), the amount of money set in the account of the railway company is moved from the user's account,
In other words, it will be automatically transferred from the user's account to the railway company's account. Of course, the amount transferred will be deducted from the user's account.

At the same time as this transfer, the amount data set in the memory M of the card C is written (S118). At this time, if there is a balance in the memory M, the sum of the amount to be written and the remaining amount is written. When the writing to the memory M is completed, the display screen 2 is informed of the completion of the writing (S120). It should be noted that the transfer machine 1 may be provided with a printer, like the well-known ATM, so that the current amount of the bank account of the user can be printed out.

As described above, since the amount of money written in the card C is within the range of depositing in the user's bank account, it is possible to prevent the card C from being used beyond the payment ability of the user. At the same time, the amount of money is written to the card C on condition that payment is made to the bank account of the railway company that operates the card C, so it is possible to avoid the situation where the railway company cannot collect the payment. it can.

Next, the ticket control operation of the automatic ticket gate 10 will be described with reference to the flowchart of FIG. 4 (b).

When the user a holding the card C holds the card C over the communication area 12, data is exchanged between the card C and the automatic ticket gate 10 and the automatic ticket gate 10 is controlled. The device 17 starts the operation of the ticket gate processing based on the obtained data (Yes in S200, S20).
2).

As a result of the arithmetic processing, if the amount of money stored in the memory M of the card C is equal to or larger than the amount of money that can pass through the ticket gate passage (Yes at S204), that is, if it is at the time of entry, it is stored in the memory M of the card C. If the amount stored is equal to or more than the initial fare, or if the stored amount is equal to or more than the settlement fare at the time of participation, the amount stored in the memory M corresponds to the above-mentioned initial fare or settlement fare. The new balance with the reduced amount is written in the memory M, and the door D is opened (when the automatic ticket gate 10 is the normally open type, the same).
The passage of the user a is permitted (S206, S208).

Of course, when the amount of money stored in the memory M of the card C is less than the above-mentioned initial fare or settlement fare (No in S204), the door D is closed and the passage of the user a is blocked. At the same time, the reason for the blocking is notified to the user a via the speaker 16 or a guide screen (not shown) (S210, S212).

As described above, the automatic ticket gate 10 permits passage only when the memory M of the card C stores the amount of money that can pass through the ticket passage, so that illegal passage can be prevented in advance. .

In the above example, the automatic ticket gate is shown as the card processing machine for the card C, but it may be used as a card processing machine for shopping at a department store or other payment. Also in this case, the user does not use the card C beyond the ability to pay, and the card company can prevent the uncollected payment, so that a sound card society can be achieved.

Although the above-mentioned card C is a non-contact type IC card, it may be a connection type card for directly connecting the IC card and the card processor. However, contactless cards are convenient when used in automatic ticket gates. Although the non-contact type card has an example having a CPU and a battery, it may have only a memory without a CPU, or may have a type of receiving electric power by electromagnetic induction without a battery. Good.

Further, the card C may be a magnetic card instead of an IC card, but an IC card having a large memory container is advantageous.

[0038]

In the card according to the present invention, the predetermined amount data stored in the memory is the range of the amount stored in the account memory of the holder of the card when the card communicates with the transfer machine. The amount of money is set within the account, and the specified amount data has been transferred from the account memory of the card holder in the bank host computer to the account memory of the card company that manages the card. Since it is written in the card, it is possible to prevent the user from using the card beyond the payment ability of the user and to transfer the amount of money to the card on the condition that payment is made to the bank account of the card company, so the payment collection It is possible to avoid the situation where it becomes impossible. Further, when the contact between the card and the transfer machine is performed in a non-contact manner, the card can be used for a non-contact type automatic ticket gate. In the card automatic transfer machine according to the present invention, the predetermined amount data written in the memory of the card is set within the range of the amount stored in the account memory of the card holder in the host computer of the bank. It is written on the condition that the set amount data is transferred from the account memory of the card holder to the account memory of the card company that manages the card, so the user pays It is possible to prevent the card from being used beyond its ability, and the amount of money written on the card is subject to payment to the bank account of the card company, so the card company cannot collect the money. Can be avoided. Moreover, when the card and the transfer machine are contactlessly communicated with each other, the convenience of the user can be improved.

[Brief description of the drawings]

FIG. 1 is a perspective view of a transfer machine.

FIG. 2 is a perspective view of the automatic ticket gate when the card processing machine is a non-contact automatic ticket gate.

FIG. 3 is a block diagram showing an electrical configuration.

FIG. 4A is a flowchart showing a transfer control operation, and FIG. 4B is a flowchart showing a control operation of the automatic ticket gate.

[Explanation of symbols] 1 transfer machine (automatic transfer machine main body) 1a communication control section 1b CPU 1c input / output unit 1d transmitter 2 display screen 3 antenna section 10 automatic ticket gate 13 transmitter 14 antenna 17 controller 20 host computer 21 communication control section 22 arithmetic processing unit 23 user account memory 24 railway company account memory 30 receiving antenna 31 reflecting antenna 32 receiving unit 33 CPU 34 phase modulating unit C card (payment card, payment card body) M memory

Claims (4)

[Claims] 1. When a predetermined processing operation is performed based on predetermined money data stored in a memory provided in the payment card body, the amount of money corresponding to the predetermined processing operation is reduced. A payment card that can be rewritten with new payment data, wherein the predetermined payment data stored in the memory is the payment card body in the host computer of the bank when the payment card body communicates with the automatic transfer machine body. The amount of money that is set within the range of the amount of money stored in the account memory of the owner of the payment card, and the amount of data that is set from the account memory of the owner of the payment card body operates the payment card body. A payment card that is written on the condition that it has been moved to the account memory of the card company you are using. 2. The payment card according to claim 1, wherein communication between the payment card main body and the automatic transfer machine main body is performed without contact. 3. A payment means for communicating with the main body of the payment card, and a writing means for writing a predetermined amount of data into a memory provided in the main body of the payment card, which is connected to a host computer of a bank. The predetermined amount data written in the memory is an amount set within the amount stored in the account memory of the holder of the payment card body in the host computer of the bank. And is written on the condition that the set amount of data has been moved from the account memory of the holder of the payment card body to the account memory of the card company that manages the payment card body. An automatic transfer machine for payment cards. 4. The automatic transfer machine for payment cards according to claim 3, wherein communication between the payment card main body and the automatic transfer machine main body is performed without contact.