JPS581468B2 - Yokinshiharaihoushiki - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a deposit payment system using a card, and more particularly to a deposit payment system that is suitable for use with a cash dispenser that can be shared both online and offline.

The cache dispenser (hereinafter referred to as CD) is an online CD that is directly connected to the central processing unit (hereinafter referred to as CPU) and operates under the control of the CPU.
There are also off-line CDs, which are not connected to the CPU and therefore are not under the direct control of the CPU, and whose output is temporarily recorded and stored in a suitable built-in storage medium.

Online and offline CDs are already known, and considering their advantages and disadvantages, online CDs are directly connected to the CPU, so when a user wants to receive cash payments using this CD, The current balance is immediately known and therefore payments to the user are only allowed below this balance.

That is, one of the advantages of online CDs is that payments to users can only be permitted for amounts less than the latest balance.

However, banking CPUs generally stop functioning at night and on holidays when the operating rate of the terminal equipment drops significantly, resulting in inconveniences such as the inability to use online CDs at night and on holidays. online cd
There is.

On the other hand, offline CDs are independent, so
It is very convenient for users because it is not limited by operating hours or installation location, can be open at night or on holidays, and can be installed inside a general company or an amusement facility.

However, since offline CDs are not directly connected to the CPU, automatic transfer services are performed, and it is not possible to share an online account where the balance changes from moment to moment. Therefore, a separate account is set up for offline use, and payments are made using offline CDs.
is allowed only below the balance recorded on the card.

In this way, online and offline CDs each have their own advantages and disadvantages, but no deposit payment method has yet been proposed that allows both CDs to be shared, and as a result, users are forced to use their online card and account as well as their offline card and account. They had to endure the complication of signing up for separate accounts and carrying two cards.

To solve this problem, one CD should be equipped with switchable online and offline functions, while the card should contain (at least) the account number and offline deposit balance (hereinafter referred to as off balance). Record it and C
When D is in online mode, the deposit can be made to be paid from the online deposit balance (hereinafter referred to as on-balance) of the CPU accessed by the account number, and when CD is in offline mode, the deposit can be made to be paid from the off-balance of the card. Conceivable.

(Please note that the CD is in online mode when the CPU is functioning, at night when the CPU is stopped, on holidays, and when the CPU is in online mode.)
(or switch to offline mode in the event of a line failure, i.e. in an emergency).

However, if such a deposit payment method is adopted, if the on-balance is small and the off-balance is large compared to the requested payment amount, and the CD is in online mode, the user will receive payment even though the off-balance is sufficient. The disadvantage is that it cannot be done.

The only way to get paid is to use the CD in an emergency when it is in offline mode.

The present invention solves these inconveniences and provides a deposit payment method that allows the user to pay the entire deposit balance (even if the CD is in online mode).

In other words, according to the present invention, if the online balance is insufficient for the amount requested by the user to pay in the online mode,
Since the CD is automatically switched to offline mode and the deposit is paid from the offline balance, the above-mentioned inconvenience does not occur at all.

For convenience of understanding, the prior art and the present invention have been described with respect to a CD (with switchable online and offline functions), but the present invention is not limited to such CDs, and generally applies to cards. Applicable to all deposit payment methods that have a recorded card deposit balance (corresponding to the above-mentioned off balance) and a file deposit balance accessed by the card account number and stored in a recording device (corresponding to the above-mentioned on balance) It is something.

Embodiments of the present invention will be described below with reference to the drawings.

The CD of the terminal is composed of reference numbers 1 to 12, and the user first inserts the card into the card slot provided on the customer service side of the CD.

This card magnetically records the user's account number, off-balance balance, and PIN number.

If necessary, other data such as expiration date, date of latest use, data indicating the payment method, etc. can be recorded on the card.

Now, the inserted card is read into the card reader 1, and its data is read by the recording/reproducing circuit 2.

The read data is stored in the register R1 in the CD storage device 3,
Stored in R2 and R3.

That is, the account number is stored in register R1, the off balance is stored in register R2, and the secret number is stored in register R3.

(Note that when data such as the above-mentioned expiration date is recorded on the card, this data is checked by the arithmetic circuit 4, and unsuitable cards are returned to the slot.

) Next, the display 5 prompts the user to enter a PIN number, and he enters the PIN number he has memorized using the numeric digitizer 9, which is a well-known input device such as a numeric keypad or dial, and enters this number. is stored in register R4.

Thereafter, the arithmetic circuit 4 compares the secret number stored in the registers R3 and R4 with the password, and if the two numbers do not match, the card is returned.

When the two numbers match, the display 5 is instructed to input the requested payment amount, the user inputs the amount from the digit register 9, and the requested payment amount is stored in the register R5.

By the way, the switch SW, which is an example of a mode setting device, is C.
It is opened and closed from the PU 15 via the control device 10, and is automatically controlled to open and close when the CD is in online mode and closed when it is in offline mode. Details will be described later.

Now, when the CD is in online mode, after the user inputs the requested payment amount, the account number and the requested payment amount stored in registers R1 and R5, respectively, are sent to the center via the transmission interface circuit 11 and modem 12. Center modem 13 and communication control equipment (CCE)
14 and is input to the CPU 15.

The CPU includes a main storage device, an arithmetic unit, a control device for controlling these, and the like, and since its functions are already well known, the details will be omitted.

Now, when the above data is sent from the terminal CD, the magnetic disk pack unit (DPU) 16, which is an auxiliary storage device, is first accessed using the account number.

Account numbers and on-balances are stored in correspondence with each other in the DPU 16, forming a so-called ledger file.

Note that the off balance can be stored together with the on balance, but in this case, the off balance will be updated by batch processing.

The on-balance accessed by the corresponding account number is processed by the CPU
15 and compared with the payment request amount.

If the on-balance is larger than the payment request amount, the on-balance is subtracted by that amount and then updated and recorded in the DPU 16, and the CPU 15 sends an "on-withdrawal possible" message to the CD of the terminal, and the interface circuit 11 Upon receiving this message, the control device 10 drives the slip issuing machine 6, cash dispensing machine 7, and recorder 8 to discharge cash and slips to the user and return the card.

(At this time, the card's off balance will not be updated).

Note that the recorder 8 is composed of a punched tape or a magnetic tape, and records various data and whether the CD is operated in an online mode or an offline mode.

Each transaction in online mode and offline mode may be recorded using separate recorders.

When the CPU 15 determines that the on-line balance is less than the payment request amount, the CPU 15 sends an "on-withdrawal not possible" message to the CD of the terminal, and upon receiving this message from the interface circuit 11, the control device 10 takes the CD offline. mode, which results in switch SW being closed.

Next, the off balance and payment request amount stored in registers R2 and R5 are led to the calculation circuit 4 (especially R2
The off balance is derived via the opened switch SW) and compared in size.

If the off balance is less than the requested payment amount, the payment will be declined and the card will be returned.

If the off balance is greater than the payment request amount, payment is permitted, and the machines 6, 7, and 8 controlled by the control device 10 operate to release cash and slips, noting that the payment is in the switched offline mode. A record will also be kept.

Note that the arithmetic circuit 4 calculates a new off balance by subtracting the payment request amount from the off balance, and this new off balance is stored in register R.
6, and when the card is returned, the off-balance of the card is updated and recorded to this new balance.

In addition, in the above explanation, it was stated that the switch SW is closed when the CD enters the offline mode.
In the actual design, "on-withdrawal is not possible" from CPU15
Upon receiving the message, the off-line program is loaded into the instruction register on the CD of the terminal, and the off-line mode is switched.

Since these program controls themselves are already well known, they are comprehensively illustrated by the control device 10.

Additionally, if the on-balance is 50,000 yen and the off-balance is 30,000 yen, if the user requests a payment of 80,000 yen, on-based withdrawals will not be possible, and off-based withdrawals will not be possible and payments will not be received from either balance. The situation is expected.

This is completely unreasonable considering that the total of both balances is 80,000 yen.

In such a case, when the user presses the balance inquiry button, the on-balance and off-balance may be notified separately by the notification device.

For example, it may be designed to be displayed on the display 5.

Alternatively, a display device that specifically displays both balances may be provided.

The user sees this display and learns that in the above example, the on-balance is 50,000 yen and the off-balance is 30,000 yen, so he first withdraws 50,000 yen from the on-balance and then reinserts the card. 3
If you request payment of 10,000 yen, since your on-balance is gone, you can automatically withdraw 30,000 yen from your off-balance, and eventually you can withdraw both balances in full.

As described above, according to the present invention, when the file deposit balance is insufficient for the amount requested by the user to pay in the online mode, the CD automatically makes the payment from the card deposit balance. , users can receive payments by effectively utilizing their two deposit balances.

In addition, in offline mode, payments are only allowed if the amount is below the card balance as before, but this is unavoidable because offline mode is under the control of the CPU and the CD operates alone. It is.

Furthermore, according to the present invention, when the CPU receives an output indicating that payment using the file deposit balance is not possible during the online mode, the CD will perform the operation in the offline mode in which the payment will only be made with the amount less than the card deposit balance. Since it is only necessary to perform similar operations, the program can be shared by simply adding some configuration to the offline program, and there is no need to change the configuration of the CPU, etc., and it can be realized with an extremely simple configuration.

Furthermore, in the above example, when the on-line balance is less than the payment request amount, it is assumed that "on-line withdrawal is not possible". , if the online balance is less than 100,000 yen, it can be set as ``on-line withdrawal not possible''.

In this case, it is sufficient to subtract 100,000 yen from the on-balance and treat it as the on-balance.

Although the above description has been made using one CD as a representative terminal, normally, a large number of CDs are connected to the CPU.

Further, the CD is manually or automatically switched from online mode to offline mode at night or on holidays, and automatically switched to offline mode when a failure occurs in the CPU or line.

These changes can be easily made by changing the instructions to be executed on the CD in a program, as described above.

It goes without saying that the deposit payment method of the present invention can also be applied to lending cash to customers by giving them credit.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention, in which FIG. 1 is a block diagram of a deposit payment system, and FIG. 2 is a flowchart of the same system. 1; Card reader, 4; Arithmetic circuit, 7; Cash dispenser, 9
; digit register, 15; central processing unit (CPU).

Claims (1)

[Scope of Claims] 1. A reading/recording device that accepts a card that records at least an account number and card deposit balance and reads those data; an input device that allows a user to enter a requested payment amount; an offline mode and an online mode. A mode setting device for setting mode switching, and a file deposit balance stored in correspondence with each account number, and when the mode setting device is set to online mode, the account number read by the reading and recording device is used. a storage device that is accessed and outputs a corresponding file deposit balance; and a file deposit balance output from the storage device when the mode setting device is set to online mode and a payment request amount input from the input device. In comparison, when the file deposit balance is larger than the payment re-requested amount, the file deposit balance is updated by subtracting the payment request amount from the file deposit balance, and payment can be made using the file deposit balance. and, conversely, when the file deposit balance is smaller than the payment request amount, a central processing unit emits an output indicating that payment using the file deposit balance is impossible; and the mode setting device is offline. mode, or in response to said central processing unit emitting an output when said mode setting device is set to online mode indicating that payment with said file deposit balance is not possible. compares the card deposit balance read by the reading and recording device with the payment request amount, and when the card deposit balance is greater than the payment request amount, outputs an output indicating that payment is possible; a computing device that calculates a new card deposit balance by subtracting the requested payment amount from the deposit balance, and causes the reading and recording device to update and record the new card deposit balance on the card; a payment device that pays the requested payment amount to the user in response to output indicating that the payment is possible, or in response to the computing device issuing an output indicating that the payment is possible. Deposit payment method. 2 Set up a reading/recording device that accepts a card that records at least an account number and card deposit balance and reads those data, an input device that allows the user to input the requested payment amount, and a switch between offline mode and online mode. a mode setting device; storing a file deposit balance in correspondence with each account number; when the mode setting device is set to online mode, the file deposit balance is accessed by the account number read by the reading and recording device; a storage device that outputs the balance, and a file deposit balance output from the storage device when the mode setting device is set to online mode, and a payment request amount input from the input device, and the file When the deposit balance is larger than the payment request amount, the file deposit balance is updated by subtracting the payment request amount from the file deposit balance, and an output indicating that payment is possible with the file deposit balance is issued, and vice versa. a central processing unit that generates an output 4 indicating that payment using the file deposit balance is not possible when the file deposit balance is smaller than the payment request amount; and the mode setting device is set to an offline mode. or, when the mode setting device is set to online mode, the central processing unit accepts payment from the file deposit balance. In response to issuing an output indicating that it is impossible, the card deposit balance read by the reading/recording device is compared with the payment request amount, and when the card deposit balance is greater than the payment request amount; an operation that outputs an output indicating that payment is possible, calculates a new card deposit balance by subtracting the requested payment amount from the card deposit balance, and causes the reading/recording device to update and record this new card deposit balance on the card; a device; in response to the central processing unit issuing an output indicating that the payment with the file deposit balance is available, or in response to the computing unit issuing an output indicating that the payment is available; A deposit payment method comprising: a payment device that pays the requested payment amount to the user; and a notification device that notifies the user of the file deposit balance and the card deposit balance.