WO2005066859A1

WO2005066859A1 - Storage system

Info

Publication number: WO2005066859A1
Application number: PCT/JP2003/016874
Authority: WO
Inventors: Kazuhiro Hayashi; Shigenobu Ohwada
Original assignee: Wireaction Inc.; Mitsui & Associates Telepark Corp.
Priority date: 2003-12-26
Filing date: 2003-12-26
Publication date: 2005-07-21
Also published as: AU2003292670A1

Abstract

A storage system for realizing bill payment from a credit terminal at a store. A user has a storage card (50) supplied in advance. This card is swiped by a card read device (204) of a normal terminal installed at a credit card member store (104). However, this card has such a numbering scheme that the card number is distinguished from a normal credit card. When performing a payment, the user pays cash and causes the storage system to read the storage card. The terminal (206) transmits the payment data via the credit card network (102). When a settlement organization server (106) has received a transaction concerning the storage card, the server (106) notifies it to a storage proxy organization server (504). The storage proxy organization performs processing with the storage organization as the service provider.

Description

Document storage system Technical field

The present invention relates to a storage system, a processing server, and a storage money storage method.

Background art

2. Description of the Related Art Conventionally, there has been known a system in which a storage money paid for a service is stored on behalf of a convenience store bank using an ATM or the like. In this system, a convenience store or the like receives payment from the user on behalf of the service provider that charges the user for the service.

As the above system, for example, i-collect service, Internet <11RL: http: // www. Ntt-itn. Co. Jp / solution / settle_icollect. Html>) is known.

In recent years, the provision of services using a storage agent has been performed for services used in various places at various times, such as mobile phones. Therefore, it is desirable that the storage agency be possible in many places over a wide time zone. Therefore, an object of the present invention is to provide a storage system, a processing laser, and a storage money storage method that can solve the above-described problems. This object is achieved by a combination of features described in the independent claims. The dependent claims define further advantageous embodiments of the present invention. Disclosure of the invention

In order to solve the above problems, in a first embodiment of the present invention, a credit card network used in a shared online system for approving and setting up a credit card is associated with an owner in advance. A storage system for storing storage money paid by the owner of the storage card using the storage card and A card reading device that reads the card number that identifies the stored card from the stored card, a usage amount input terminal that inputs the stored amount of the stored money as the usage amount, and a credit from the card reading device and the usage amount input terminal A processing server for receiving a card number and a usage amount via a card network, the processing server comprising: a number assigning unit for assigning a specific card number as a card number of a stored card; and a card number received from a card reader. Is a specific card number, the storage process determining unit that determines that the storage process using the storage card identified by the card number is selected, and the storage process determination unit that the storage process is selected. If it is determined, the owner of the storage card will support the usage amount received from the usage amount input terminal. And a storage processing unit for processing as the paid storage amount.

The card reader can read the card number for identifying the credit card from the credit card. When the card reader reads the card number of the credit card, the usage amount input terminal uses the credit card. You may enter the amount of money.

In addition, the storage system includes a plurality of card reading devices and a plurality of usage amount input terminals provided for each of the card reading devices, and the processing server associates the usage amount input terminals with the respective usage amount input terminals. The total amount of credit settlement, which is the sum of the payment amount paid using the credit card from the usage amount input terminal, and the stored amount stored using the storage card from the usage amount input terminal It corresponds to the total amount storage unit that stores the total amount of storage and the amount of money input terminal installed at the member store when making payments to the member store connected to the credit card network. The total amount of credit settlement and the total amount stored are read from the total amount storage unit, and the difference between the total amount of credit settlement and the total amount stored is calculated. It may have the further a member store settlement amount calculation unit for calculating a payment amount for the shop.

In addition, a storage amount storage unit for storing the storage amount is further provided, and the storage processing unit may store the storage amount in the storage amount storage unit without recording the storage amount on the storage card. Also, when storing a deposit, the usage amount input terminal inputs a negative amount as the usage amount, and the storage processing unit processes the amount equal to the absolute value of the usage amount as the storage amount. Good.

In the second embodiment of the present invention, a storage card is connected to a credit card network used in a shared online system for performing authorization and settlement of a credit card, and is associated with the owner in advance. A processing server for receiving a card number from a credit card network, a number assigning unit for assigning a specific card number as a card number of a stored card, and a card number received from outside through a credit card network. The storage processing determination unit determines that storage processing using the storage card identified by the card number has been selected, and the storage processing determination unit determines that storage processing has been selected, provided that the specific card number was used. Use from outside via credit card network A storage processing unit for processing the amount as a stored amount paid by the owner of the storage card.

In a third embodiment of the present invention, a credit card network used for a shared online system for performing credit card approval and settlement, and a storage card previously associated with the owner are provided. This is a method for storing money to be paid by the owner of the storage card, using a number assignment step of assigning a specific card number as the card number of the payment card, and using a card reading device. A card reading step of reading a card number for identifying a stored card, a storage amount inputting step of inputting a stored amount of the stored money as a usage amount using a usage amount input terminal, and a card number received from the card reader. Is a specific card number, the storage process using the storage card identified by the card number is selected. The usage amount received from the usage amount input terminal is processed as the storage amount paid by the owner of the storage card when it is determined in the storage processing determination stage that the storage card is determined to have been received, and when the storage processing determination stage determines that the storage process has been selected. And a storage processing stage. W 200

Four

Note that the above summary of the present invention does not enumerate all of the necessary features of the present invention, and a sub-combination of these features may also be an invention.

Brief Description of Drawings

FIG. 1 is a diagram showing an example of the configuration of the storage system 100.

FIG. 2 is a diagram showing an example of the configuration of the storage card 50.

FIG. 3 is a diagram showing an example of the configuration of the settlement institution server 502, the storage agency server 504, and the service provider 108.

FIG. 4 is a diagram illustrating an example of information stored in the total amount storage unit 410. FIG. 5 is a flowchart showing an example of the operation of the processing server unit 106. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, the present invention will be described through embodiments of the present invention. However, the following embodiments do not limit the invention according to the claims, and all combinations of the features described in the embodiments are the inventions. Is not necessarily essential to the solution of the above.

FIG. 1 shows an example of a configuration of a storage system 100 according to an embodiment of the present invention. The purpose of the storage system 100 of this example is to store the money to be paid by the user as a price for the service by using a credit card facility. The storage system 100 includes a credit card network 102, a processing server unit 106, a plurality of affiliated stores 104, and a service provider 108.

The credit card network 102 is a network used in a shared online system for performing credit card approval, payment, and payment with a point. In this example, the credit card network 102 is used for CAF IS (registered trademark: Credit And Finance Informa- tion System), which is a widely used shared online system. Network. The credit card network 102 connects the plurality of member stores 104, the processing server unit 106, and the service providing organization 108 to each other. Please note that credit card approval and payment A shared online system is, for example, a system that connects a clearing house such as a credit company and a merchant 104 with a communication line, and checks the validity of the usage limit and force, and performs payment. is there.

Each of the plurality of member stores 104 is a member store of a payment institution that performs credit card payment, and is connected to the credit card network 102. In this example, the member store 104 has a card reader 204, a use amount input terminal 206, and a printing device 202. The card reading device 204, the usage amount input terminal 206, and the printing device 202 are card reading devices and usage amounts that are widely used for ordinary credit card payments using CAFIS, etc. An input terminal and a printing device.

The card reader 204 is a card reader that can read magnetic information of a credit card. The card reader 2 reads a card number for identifying the credit card from the credit card, and transmits the card number to the processing server unit 106 via the credit card network 102. The usage amount input terminal 206 is a terminal for inputting the usage amount of the credit card. When the card reading device 204 reads the card number, the usage amount input terminal 206 inputs the usage amount and sends the usage amount to the processing server unit 106 via the credit card network 102. Send. The printing apparatus 202 receives the result of the credit card approval from the processing server section 106 via the credit card network 102. When the credit card is approved, the printing device 202 prints the credit card usage statement. As a result, the printing device 202 performs printing in accordance with the credit check of the credit card.

In this example, each member store 104 is also a member store of the storage agency, and further accepts the use of the storage card 50 by the user (storer). In this case, the merchant 104 receives payment from the user, for example, by cash. Here, the storage agency is an agency that stores the money to be paid by the user in exchange for the service in place of the service provider 108. Also, storage card 5 0 Is a card for identifying a user, and a predetermined card number is set in advance. In this example, the storage card 50 has a card number that can be distinguished from a credit card.

In this case, the card reader 204 reads the card number of the stored card 50 by the same method as that of reading the card number of the credit card. Then, the card reader 204 transmits the card number of the storage card 50 to the processing server section 106 in the same manner as the method of transmitting the card number of the credit card. '

The usage amount input terminal 206 inputs the amount of money to be paid by the user in the same manner as for inputting the usage amount of the credit card. Then, the usage amount input terminal 206 transmits the stored amount to the processing server unit 106 by the same method as that for transmitting the usage amount of the credit card. In this example, the usage amount input terminal 206 inputs the storage amount as the usage amount of the storage card 50 and transmits it to the processing server unit 106. According to this example, it is possible to appropriately transmit the information necessary for storing the stored money to the processing server unit 106 using the existing credit card network 102.

When the member store 104 transmits the information necessary for the storing process, the printing device 202 prints the result of the storing process in response to the response from the processing server unit 106. The printing apparatus 202 prints the card number of the storage card 50 in the card number column of the usage statement, for example, by the same printing flow as that of printing the credit card usage statement, and Print the amount stored. The printing device 202 may print the result of the storing process, for example, two copies for the user and a store copy as necessary. Further, the printing apparatus 202 may print the result of the storing process in the same manner as the method of printing the number of points in the point service performed using, for example, an INFOX (registered trademark) terminal. Also in this case, the printing apparatus 202 can print the result of the storing process based on the flow of printing that has been performed conventionally.

The processing server section 106 includes a settlement institution server 502 and a storage agency server 504. Have The settlement institution server 502 is a server provided in a credit card settlement institution. The payment institution server 502 receives the card reader 204 and the usage amount input terminal 206 through the credit card network 102, the card number of the tail card, and the usage amount. . Then, the settlement institution server 502 performs the settlement of the credit card based on the received password and the usage amount. Also, when the card number and the stored amount of the stored card 50 are received from the member store 104, the clearing house server 502 stores the card number and the stored amount using, for example, a dedicated line. Notify the storage agency server 504.

The storage agency server 504 is a server provided in the storage agency, and stores a customer number (storage PIN) previously associated with the card number of the storage card 50. Thereby, the storage agency server 504 identifies the user who pays the storage money at the member store 104 based on the card number of the storage card 50 and the customer number. Then, when the user is identified, the storage agency server 504 notifies the member store 104 via the settlement institution server 502 and the credit card network 102 of the fact. The merchant 104 receives the deposit from the user in response to the notification. Then, the printing device 202 in the member store 104 performs, for example, printing indicating that the stored money has been stored as a result of the storing process.

When the user is identified, the storage agency server 504 immediately transmits the customer number of the user and the storage amount to the service provider 108. As a result, the storage agency server 504 notifies the service providing organization 108 that the stored money has been stored. As described above, the storage agency server 504 performs processing for storing the stored money. In addition, this allows the storage agency to store the stored money instead of the service providing organization 108.

The service providing organization 108 is a service provider that provides services to the owner of the storage card 50, and charges the owner of the storage card 50 according to the service to be provided. The service provider 108 is, for example, a business operator that provides a prepaid mobile phone service. The service provider 108 has a customer number The caller ID of the mobile phone may be used.

In this example, the service providing organization 108 stores the money from the user by causing the storage agency server 504 to perform the storage. The service providing organization 108 stores, for example, a deposit corresponding to the service to be provided before providing the service. In this case, the service providing organization 108 provides the service within the range of the amount settled in advance by the storing process of the stored money. Thus, the storage card 50 can be used, for example, in the same form as a conventional prepaid card. In addition, the service providing organization 108 may store a deposit corresponding to the provided service after the provision of the service. In this case, the storage agency server 504 notifies the service provider 108 of the customer number (storage PIN) based on the card number of the storage card 50 and the customer number. In response to this notification, the service providing organization 108 notifies the storage agency server 504 of information indicating the amount to be stored (service fee) from the owner of the storage card 50. Then, the storage agency server 504 notifies this information to the usage amount input terminal 206 set in the member store 104. The member store 104 receives the money stored by the user in response to this notification. According to this example, the deposit to be received according to the service to be provided can be appropriately stored. Here, it is conceivable that the deposit is stored, for example, at a bank ATM or a convenience store. However, ATMs and convenience stores are located in limited locations and may be available for a limited time.

However, in this example, the storage system 100 uses the credit card network 102 used for CAFIS or the like and the member store 104 to store the deposit. CAFIS is widely used for credit card authorization, and the credit card network 102 can be accessed from an extremely large number of places. Credit cards can be used at various franchisees 104, for example, late at night or early in the morning. Therefore, according to this example, the storage money can be stored in many places over a wide time zone. In addition, this allows the storage money to be stored with a high degree of immediacy. Therefore, according to this example, The storage process to be stored can be performed quickly. Further, for example, in the case where the deposit is stored prior to the provision of the service, the provision of the service can be started immediately according to the storage of the deposit.

Note that the card reader 204 can read the card number of the storage card 50 and be connected to the credit card network 102. Conventional card readers for credit cards can be used. Not limited. Further, the usage amount input terminal 206 may be capable of inputting a stored amount and connected to the credit card network 102. A conventional usage amount input terminal for a credit card may be used. Not limited. Therefore, the card reader 204 and the usage amount input terminal 206 may be installed in a vending machine, for example. In this case, by installing the vending machine in many places, it is possible to store money in many places over a wide time zone.

In another example, a mobile terminal such as a mobile phone may have the function of the storage card 50. In this case, the card reading device 204 and the use amount input terminal 206 receive the card number and the use amount from the mobile phone by, for example, infrared communication. In this case, the card reader 204 may receive the mobile phone number as the card number. The card reader 204 transmits the telephone number or a number generated based on the telephone number to the processing server unit 106 as a card number.

Further, in still another example, the clearing house may also perform part or all of the functions of the storage agency. In this case, a server having the same or similar function as the storage agency server 504 is provided in the settlement agency. Further, a server having the same or similar function as the storage agency server 504 may be provided in the service providing organization 108. Also in these cases, the deposit can be properly stored.

FIG. 2 shows an example of the configuration of the storage card 50. In this example, the storage card 50 has a magnetic tape 52 like a credit card. The magnetic tape 52 stores the card number of the storage card 50. Also, the storage card 50 The utility code and card number are printed.

A security code is a number used to confirm the validity of a card number, like a security code in a credit card. The security code is used, for example, to calculate a checksum to detect a mistake in the notification of the card number. It is preferable that the security code is printed so that it cannot be visually read by performing a scratch process or the like. In this example, the card number is a 16-digit number including a 6-digit issuer number and a 10-digit identification number. Here, the issuer number is a number for identifying the card issuer that issued the storage card 50. In this example, the storage card 50 is issued by the service provider 108. The identification number is a number for identifying the storage card 50 issued by the same card issuing company.

Further, the storage card 50 has a number indicating a force type in a predetermined digit in the card number. For example, the storage card 50 has the number 7 indicating the storage card at the highest digit of the identification number. In this case, the processing server unit 106 can distinguish the storage card 50 from the credit card by referring to a predetermined digit in the card number.

Here, in CAFIS, the member store 104 transmits certain information such as the card number of the credit card, the usage amount, and the expiration date to the processing server unit 106 based on a predetermined protocol. . However, since CAFIS is extremely widespread, it is difficult to expand the system even if, for example, sending information indicating the storage card 50 in addition to the predetermined information. If, for example, a system having more functions than CAFIS is to be installed in consideration of the use of the storage card 50, a large amount of funds will be required.

However, in the present example, the processing server unit 106 distinguishes between the storage capacity — 50 and the credit card based on the card number. Therefore, according to this example, it is possible to appropriately store the stored money using the storage card 50 using the existing CAFIS. Therefore, according to this example, the highly reliable storage system 100 is ことが Can be provided at cost.

The storage card 50 is distributed to the user, for example, free of charge or at a fixed rate. Then, the user who has received the storage card 50 processes the customer number pre-allocated from the service providing organization 108 and the card number of the storage card 50 by using, for example, a telephone or WWW. Register in the server unit 106. In this case, a plurality of card numbers can be associated with one customer number. Therefore, according to the present example, the user can use a plurality of storage cards 50 in parallel. In this case, for example, a plurality of users may share one customer number. In this case, each user can pay the storage money using his or her storage card 50.

In another example, the credit card network 102 (see FIG. 1) stores information for performing the credit card point service in the merchant store 104 (see FIG. 1) and the processing server unit 106. (See Fig. 1). In this case, the storage card 50 may include, for example, an IC chip. This IC chip has the same or similar function as, for example, the IC chip for storing the number of points in the point service, and stores card identification information for identifying the storage card 50. The card reader 204 (see FIG. 1) reads out the card identification information from the IC chip and transmits it to the processing server unit 106 by performing the same communication as, for example, performing a point service. . The processing server unit 106 identifies the storage card 50 based on the card identification information and performs the storage processing. Then, the processing server section 106 transmits the result of the storage processing to the member store 104 in the same manner as transmitting the result of the processing in the point service. Also in this case, the storing process can be appropriately performed using the existing credit card network 102.

FIG. 3 shows an example of the configuration of the settlement institution server 502, the storage agency server 504, and the service provider 108. In this example, the settlement institution server 502 includes a number assigning section 402, a storage processing control section 404, a credit processing section 408, and a total amount of money. It has an amount storage unit 410, a member store settlement amount calculation unit 412, and a settlement processing unit 414. The number assigning section 402 assigns a specific card number as a card number of a stored card. In this case, the number assigning unit 402 reads, for example, a specific number set in advance from a database or the like, and stores information indicating the read number in the memory of the payment institution server 502, for example. Assign numbers. In this example, the number allocating unit 402 allocates a card number including a predetermined number in the digit indicating the card type to the card number of the stored card.

The storage processing control unit 404 is an example of a storage processing determination unit, and is provided by a credit card from a card reader 204 and a charge amount input terminal 206 (see FIG. 1) in the member store 104. Receive the card number and usage amount via the card network 102. Then, the storage processing control unit 404 determines which of the credit card and the storage card should be processed according to the card number. For example, on condition that the card number received from the card reader 204 is the specific card number assigned to the number assignment unit 402, the storage processing control unit 404 uses the card number Judge that the storage process for the identified storage card has been selected.

In this example, when it is determined that the storage processing to the storage card is selected, the storage processing control unit 404 associates the storage amount input terminal 206 with which the storage amount has been input with the card number and the usage amount. To the storage agency server 504. Accordingly, the storage processing control unit 404 causes the storage agency server 504 to perform the storage processing. If the storing process is not selected, the storing process control unit 404 notifies the credit processing unit 408 of the card number and the usage amount.

The credit processing unit 408 performs the same processing as the conventional processing for a credit card, such as the approval of a credit card, when the storage processing to the storage card is not selected. Then, the credit processing unit 408 supplies the payment amount paid using the credit card to the total amount storage unit 410 in association with the usage amount input terminal 206 inputting the payment amount. . The combined amount storage unit 410 stores the total amount of credit settlement, which is the total amount of payment, based on the amount of payment received from the credit processing unit 408. When the storage agency server 504 completes the storing process, the total amount storage unit 410 receives the stored amount from the storage agency server 504. In this case, the storage agency server 504 outputs the stored amount in association with the usage amount input terminal 206 inputting the stored amount. Then, based on the stored amount, the total amount storage unit 410 stores the stored total amount, which is the total of the collected amounts. In the present example, the total amount storage unit 410 is associated with each of the plurality of usage amount input terminals 206 provided in the plurality of member stores 104, and the usage amount input terminal 200 is used. Stores the total amount of credit settlement and the total amount of storage in 6.

The franchise store settlement amount calculation unit 4 1 2, when performing settlement to the franchise store 104, based on the total credit settlement amount and the total storage amount stored in the total amount storage unit 4 10, For example, the settlement amount for the member store 104 is calculated at regular intervals such as every month. In this case, the member store settlement amount calculation unit 412 calculates, for example, the total credit settlement amount and total storage amount corresponding to the usage amount input terminal 206 installed at each of the member stores 104. It is read from the storage unit 410 and the difference between the total credit settlement amount and the total storage amount is calculated as the settlement amount for the processing server unit 106 member store.

The settlement processing unit 4 14 uses the settlement amount calculated by the merchant settlement amount calculation unit 4 12 to settle funds to the merchant 104, for example, in the same manner as conventional settlement for credit card use. Is performed. According to this example, it is possible to appropriately store the stored money and appropriately settle the stored money. The settlement processing unit 4 14 may further perform a process of fund settlement with respect to the service provider 108. In this case, the settlement processor 414 transfers the stored money to the service provider 108, for example.

The storage agency server 504 has a customer number storage unit 416 and a storage processing unit 406. The customer number storage unit 4 16 stores, for example, a notification from the service provider 108. In this case, the customer number associated with the user of the service providing organization 108 is stored. In addition, the customer number storage section 4 16 stores the card number of the stored card in association with the customer number of the user, for example, in response to registration by the user who owns the stored card. As a result, the customer number storage unit 4 16 associates the card number of the storage card with the customer number.

The storage processing unit 406 performs the storage processing when the storage processing control unit 404 determines that the storage processing is selected. In this case, the storage processing unit 406 pays the usage amount received from the usage amount input terminal 206 via the credit card network 102 and the storage processing control unit 404 by the owner of the storage card. Treated as the stored amount.

In the storage processing, the storage processing unit 406 searches the customer number storage unit 416 for a customer number corresponding to the card number of the storage card. Then, when there is a customer number associated with this card number, the storage processing unit 406 notifies the fact via the storage processing control unit 404 and the credit card network 102. Notify the merchant 104. Merchant 104 will receive the deposit in response to this notice. Thereby, the stored money can be appropriately stored. In addition, the storage processing unit 406 associates the read customer number with the stored amount and transmits it to the service providing organization 108 via, for example, a dedicated line. Accordingly, the storage processing unit 406 notifies the service providing organization 108 that the stored money has been stored.

The service provider 1 • 8 has a stored money amount management unit 302 and a stored money storage unit 304. When the storage processing unit 406 has performed storage processing, the storage amount management unit 302 receives the customer number and the storage amount from the storage processing unit 406. Then, the stored money amount management unit 302 associates the received customer number with the stored money amount and causes the stored money amount storage unit 304 to store it. The stored amount storage unit 304 stores the stored amount in association with the customer number. Thereby, the service providing organization 108 stores the stored money amount in association with the user who owns the storage card 50. Therefore, according to this example, the service provision to the user who paid the deposit is performed appropriately. be able to.

Here, if the stored amount of money stored is written on a storage card, for example, if the storage card is lost or stolen, the storage amount paid by the owner of the storage card will be illegal by a third party. It may be used for In this case, it is also conceivable that the balance of the stored amount may be altered due to the modification of the payment card. However, in this example, the storage processing unit 406 stores the stored amount in the stored amount storage unit 304 without recording it in the storage card. Therefore, according to this example, a highly safe storage system 100 (see FIG. 1) can be provided.

Incidentally, the storage agency server 504 may perform the storage processing of a plurality of service providing organizations 108. In this case, the customer number storage unit 4 16 stores the customer number in association with each service provider 108. Then, when notifying that the deposit has been stored, the storage processing unit 406 reads out the service providing organization 108 corresponding to the customer number from the customer number storage unit 4 16, and 8 Inform the customer number and the amount stored.

In another example, when storing a deposit, the usage amount input terminal 206 may input a negative amount having the same absolute value as the storage amount as the usage amount. In this case, the usage amount input terminal 206 transmits the stored amount represented by the negative amount to the processing server unit 106. Also, the storage processing unit 406 receives a negative amount as the usage amount. Then, the storage processing unit 406 processes the amount equal to the absolute value of the usage amount as the storage amount. In this case, the case where the storing process is performed can be more appropriately distinguished from the case where a normal credit card is used.

In yet another example, the merchant 104 may receive a notification of the amount to be stored from the service provider 108. In this case, the member store 104 receives payment of the notified storage amount from the user. As a result, for example, after the service providing organization 108 provides the service, it is possible to appropriately store the deposit according to the provided service.

In this case, for example, the card reading device 204 Prior to this, the card number of the stored card is read and transmitted to the storage processing control unit 404. The storage processing control unit 404 notifies the storage processing unit 406 of this card number. The storage processing unit 406 reads the customer number corresponding to the card number from the customer number storage unit 416, and notifies the service providing organization 108. The service providing organization 108 notifies the storage processing unit 406 of the storage amount to be charged to the user of this customer number. The storage processing unit 406 notifies the member store 104 of this storage amount via the storage processing control unit 404 and the credit card network 102, for example. Then, the usage amount input terminal 206 inputs the storage amount paid by the user and transmits it to the storage control unit 404. As a result, the notified storage amount can be stored appropriately. Further, according to this example, the function of the processing server unit 106 can be separated into the settlement institution server 502 and the storage agency server 504. In this case, the communication between the member store 104 and the processing server unit 106 may be performed independently by the settlement institution server 502 and the storage agency server 504 independently. For example, each of the storage processing control unit 404 and the storage processing unit 406 is connected to the member store 104 via the credit card network 102, and performs each processing independently. Good. In this case, the credit card network 102 is controlled so that the communication server can be identified by the card number system.

'FIG. 4 shows an example of information stored in the total amount storage unit 410. In this example, the total amount storage section 410 stores the total credit settlement amount and total storage amount of the member stores 104 in association with each of the plurality of member stores 104.

For example, at the time when the member store settlement amount calculation unit 4 1 2 calculates the settlement amount, the total amount storage unit 4 10 stores the total amount of credits 8 0 yen and 100,000 yen are stored. In this case, the member store settlement amount calculation unit 4 12 calculates the difference between the total credit settlement amount and the total storage amount of ¥ 2,000 as the settlement amount for the member store A. The settlement processing unit 4 14 performs a process of receiving 2,000 yen from the A member store corresponding to the settlement amount of 2,000 yen. The total amount storage section 410 stores the total amount of credit settlement and total As the amount, 15,000 yen and 7,000 yen are stored. In this case, the member store settlement amount calculation unit 412 calculates the difference between the total credit settlement amount and the total storage amount of 8,000 yen as the settlement amount for the B member store. The settlement processing unit 414 performs a process of delivering 8,000 yen to the B member store corresponding to the settlement amount of 8,000 yen. According to this example, the settlement can be performed efficiently by offsetting the amount between the total credit settlement amount and the total stored amount. In addition, the merchant 104 can convert credit settlement into cash at an early stage.

FIG. 5 is a flowchart showing an example of the operation of the processing server unit 106. In this example, a user who intends to store the stored money, in the member store 104, uses the storage capacity code to present the payment of the stored money. In this case, the card reader 204 reads the card number of this stored card. The usage amount input terminal 206 inputs the stored amount as the usage amount. Further, the number allocating unit 402 allocates a specific card number as a card number of a stored card.

The processing server section 106 receives the card number read by the card reading device 204 and the usage amount input by the usage amount input terminal 206 from the member store 104 (S102). Then, the storage control unit 404 checks the card type by comparing the specific number assigned by the number assigning unit 402 with the received card number (S104). Accordingly, the storage processing control unit 404 determines whether the storage processing has been selected.

If the received card number is the card number of the stored card (S106 Yes), the storage processing unit 406 stores the customer number associated with the card number in the customer number storage unit 41 6 Search from (S108). If the corresponding customer number exists (S108 Yes), the storage processing unit 406 notifies the member store 104 of the fact (S110). Merchant 104 will receive the money paid accordingly.

Then, the storage processing unit 406 notifies the service providing organization 108 of the stored amount in association with the customer number (S112). In this case, the service provider The stored amount storage unit 304 stores the received stored amount in association with the customer number. Thus, the processing server unit 106 ends the storage processing of the stored money. Here, in S 108, the storage processing unit 406 stores the customer number associated with the card number in the customer number. If the data cannot be read from the section 416 (S108 No), a predetermined error processing is performed (S114). In this case, the storage processing unit 406 notifies the member store 104 of, for example, an error. In the member store 104, the printing device 202 prints, for example, information indicating an error. This makes it possible to appropriately exclude cases that cannot be stored.

If the received card number is not the card number of the stored card (S106 No), the credit processing section 408 performs processing for a normal credit card (S116). In this case, the credit processing unit 408 notifies the member store 104 of the processing result. In the member store 104, the printing device 202 prints, for example, a normal credit card usage statement in accordance with the result of this processing.

Although the embodiments of the present invention have been described above, the technical scope of the present invention according to the present application is not limited to the above embodiments. The invention described in the claims can be implemented by adding various changes to the above embodiment. It is also apparent from the claims that such an invention belongs to the technical scope of the invention according to the present application. Industrial applicability

As is apparent from the above description, according to the present invention, the storage money to be stored can be appropriately stored.

Claims

The scope of the claims

1. Using a credit card network used in a shared online system for performing credit card approval and settlement, and a storage card previously associated with the owner, A storage system for storing the money paid by the owner,

A card reader for reading a card number for identifying the storage card from the storage card;

The card number and the usage amount are received from the usage amount input terminal for inputting the storage amount of the storage amount, the card reading device and the usage amount input terminal via the credit card network as the usage amount. Processing server and

With

The processing server,

A number assigning unit for assigning a specific card number as a card number of the storage card;

A storage processing determining unit that determines that storage processing using the storage card identified by the card number has been selected, provided that the card number received from the card reader is the specific card number;

A storage processing unit that, when the storage processing determination unit determines that the storage processing has been selected, processes the usage amount received from the usage amount input terminal as a storage amount paid by the owner of the storage card;

A storage system having a.

2. The card reader can read a card number for identifying the credit card from the credit card,

When the card reader reads the card number of the credit card, the charge amount input terminal inputs a charge amount of the credit card. Item 1. The storage system according to Item 1.

3. The storage system is

A plurality of said card readers;

A plurality of usage amount input terminals provided in correspondence with the respective card readers;

With

The processing server,

In association with each of the usage amount input terminals, the credit settlement total amount, which is the total of the payment amounts paid using the credit card from the usage amount input terminal, and the storage amount from the usage amount input terminal. A total amount storage unit for storing the total amount of storage, which is the total of the storage amounts stored using the card,

When performing settlement at a member store connected to the credit card network, the credit settlement total amount and the storage total amount corresponding to the use amount input terminal installed at the member store are set as the above. A member store settlement amount calculation unit that reads from the total amount storage unit and calculates the difference between the credit settlement total amount and the storage total amount as a settlement amount for the member store.

The storage system according to claim 2, further comprising:

4. It further comprises a storage amount storage unit for storing the storage amount,

The storage system according to claim 1, wherein the storage processing unit stores the storage amount in the storage amount storage unit without recording the storage amount on the storage card.

5. When storing the deposit, the usage amount input terminal inputs a negative amount as the usage amount,

2. The storage system according to claim 1, wherein the storage processing unit processes an amount equal to the absolute value of the usage amount as the storage amount.

6. The card number of the storage card, which is connected to the credit card network used in the shared online system for performing the approval and settlement of the credit card, Net for A processing server to receive from the network,

On the condition that the card number received from the outside via the credit card network is the specific card number, it is determined that the storing process using the storing card identified by the card number is selected. Storage processing determination unit to perform,

When the storage processing determination unit determines that the storage processing is selected, the usage amount received from the outside via the credit card network is processed as the storage amount paid by the owner of the payment card. A processing server comprising:

7. Using a credit card network used for a shared online system for credit card approval and settlement and a storage card previously associated with the owner, A storage money storage method for storing the money paid by the owner,

Assigning a specific card number as a card number of the storage card;

A card reading step of reading a card number for identifying the storage card using a card reading device;

Using a usage amount input terminal, inputting the storage amount of the storage amount as the usage amount,

A storage processing determining step of determining that storage processing using the storage card identified by the card number is selected, provided that the card number received from the card reading device is the specific card number;

A storage processing step of processing the usage amount received from the usage amount input terminal as a storage amount paid by the owner of the storage card when it is determined in the storage processing determination step that the storage process is selected; A storage method for storing money.