JPH0247768A - Accumulation information service system - Google Patents

Abstract

PURPOSE:To eliminate documents related to accumulation service by storing the service, which a service presenting company presents in exchange for the accumulated amount of money, in a cared and reading and writing this information. CONSTITUTION:Information related to the amount of money which a customer accumulates and the service which the service presenting company presents in exchange for the accumulated amount of money are stored in a portable storage medium 100. Information in the portable storage medium 100 is read and written by a reading/writing means 220. A lost card and a forged card are discriminated based on discrimination information by a confirming means 210. Information in the portable storage medium 100 is displayed on a display means 230.

Description

[Detailed Description of the Invention] [Industrial Field of Application] The present invention is a method for storing information regarding monetary savings in a portable storage medium, such as an IC card, and providing services for the savings based on the stored information. Regarding information service system.

[Prior Art] Generally, in an accumulation service, a customer saves money every month for a certain period of time, and when the savings for a certain period ends, the service company exchanges the money for a cash voucher or service voucher that matches the accumulated amount, and this cash voucher or service voucher is exchanged by the service company. They exchanged goods and provided certain services. An example of this is a travel service.In this service, a person planning to travel saves up a certain amount of travel expenses before traveling, and then exchanges the travel ticket for a travel ticket worth the travel cost. The money will be used to pay for travel on trains, trains, etc.

This savings service has the advantage of allowing people who don't like to pay for travel expenses in arrears with credit cards to systematically save up funds in advance. In this case, the accumulation period, accumulation amount, interest, etc. are determined when signing the accumulation service contract.
After a certain amount of money has been accumulated, the money is exchanged for a travel voucher after a certain period of time.

[Problem to be solved by the invention] However, in such a service method, after saving money, you receive a cash voucher, but it is either a cash voucher or a paper, and the amount of each voucher is fixed, so If the accumulated amount is large, there will be a large number of coupons, which will make them bulky. Furthermore, if the amount of the product or service exchanged with the coupon has a fractional amount, there may be a shortage of, for example, 1 yen, and the coupon user must pay the fractional amount with the coupon when making a payment or exchanging a service. In some cases, it was necessary to pay in addition to the above amount.

In addition, if the coupon user drops the coupon, special processing is required to prevent the coupon from being misused. Furthermore, 2
When attempting to enter into a savings contract for the first time or later, even if the contents were the same, it was necessary to prepare documentation for the savings each time.

Another drawback was that it was difficult for the certificate holder to grasp the usage status of the certificate when the deposit was used.

As described above, there are various problems with the conventional savings service in which the saved amount is exchanged for products or predetermined services using cash vouchers.

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide an information service system that can solve the above-mentioned problems and simplify administrative processing related to savings services.

[Means for Solving the Problems] In order to eliminate such drawbacks, the present invention has been completed! is the first information about the type and amount of savings that the customer has made up to the present time, the total amount to be saved while the customer is making savings, and the balance of the total amount of savings after the customer has finished making savings. 2 information, third information regarding the payout of the accumulated amount, and identification information individually assigned in advance, a portable storage medium whose storage contents can be rewritten, and a portable storage medium that is currently usable. A confirmation means for confirming by determining that the identification information has predetermined content or does not correspond to registered exclusion information, and a confirmation means for confirming that the portable storage medium is currently usable. A read/write means that allows all or at least one of the second information 9 and the third information to be read and written to the portable storage medium only when the first information 9 is confirmed; The present invention is characterized by comprising a display means for displaying all or at least one of the first information, the second information, and the third information.

[Function] In the present invention, it is possible to identify a lost card or a counterfeit card based on the identification information by the verification means, and furthermore, the information stored in the authorized portable storage medium can be read out by the read/write means and the display means 2. By displaying this, it is possible to quickly know the accumulated amount, usage status of the amount, and payout amount.

In addition, since the reserve amount is stored on a portable storage medium,
Customers no longer need to immediately exchange for cash vouchers or service vouchers after the accumulation is completed, and service companies can provide services within the accumulated amount based on this stored information, so they do not have to submit documents as in the past. It also eliminates the need for research and simplifies conventional paperwork related to savings. Furthermore, since the portable storage medium can be used by simply rewriting only the contract contents each time a savings contract is made, it is possible to reduce the amount of contract paperwork that must be prepared.

[Example] Embodiments of the present invention will be described in detail below with reference to the drawings.

FIG. 1 shows the basic configuration of the present invention.

In Figure 1, 100 is the first information about the type and amount of savings that the customer has made up to the present time, the total amount to be saved while the customer is making savings, and the balance for the total amount of savings after the customer has finished making savings. This is a portable storage medium that stores second information regarding the payout of the accumulated amount, third information regarding the payout of the accumulated amount, and identification information individually assigned in advance, and whose stored contents are rewritable.

Reference numeral 210 denotes confirmation means for confirming that the portable storage medium is currently usable by determining that the identification information has predetermined content or does not correspond to registered exclusion information.

220 transmits all or at least one of the first information, the second information, and the third information only when it is confirmed by the confirmation means that the portable storage medium is currently usable. This is a reading means that allows reading and writing to portable storage media.

230 is a display means for displaying all or at least one of the first information, the second information, and the third information read by the read/write means.

FIG. 2 shows the external configuration of an IC cart as an example of a portable storage medium.

In FIG. 2, the IC card 11 has a magnetic stripe 1
2 is disposed on the outer surface of the IC card 11, and an IC module 13 constituted by a TC chip is provided inside the IC card 11. Furthermore, an embossment 14 displaying the identification number of the IC card is provided on the surface of the IC card. This IC module 13 has a built-in microprocessor and memory, and the memory includes EEPR, which is a non-volatile memory.
OM and EPROM are commonly used.

IC card 110 with such a configuration used in this embodiment
Since the circuit configuration itself is conventionally known, a description thereof will be omitted, but the control procedure executed by the microprocessor and the content of information stored in the memory differ from conventional IC cards.

A schematic configuration of an information service system using this IC card 11 is shown in FIG. IC card reader/writer 2 that accepts the IC card 11 from the IC card insertion slot 22
1 is connected to a host computer 23 as a confirmation means, a reading/writing means, and an IC card reader/writer 21 is connected to the IC card reader/writer 21 for communication between the IC card 11 and the post computer 23.
This is done through

A computer display 24 as a display means for displaying information is connected to the host computer 23, and a mouse 25 is attached to the host computer 23 for selecting menus such as changing display contents. A system for inputting and outputting information to and from such an IC card 11 is also well known, and a detailed explanation thereof will be omitted.

Next, FIG. 4 shows the information contents stored in the memory in the IC card II shown in FIG. 3.

In FIG. 4, 11-1 is an area for storing a system code indicating whether or not the IC card 11 can be used. Reference numeral 11-2 is an area for storing a card code for identifying each card. The host computer 23 identifies the lost card using this card code, and processes the information so that the IC card holder other than the lost card cannot be used. If-3 is an area for storing a password for determining whether the information in the IC cart 11 can be used by the host computer 23. 11-4
．． Reference numeral 5 denotes an area for storing the number of the travel destination course and the destination course information (first information) associated with the savings plan.

116 stores, as first information, the current accumulated amount, the total amount to be accumulated, information on the balance after subtracting the payout amount after accumulation (second information), and information on the payouts up to the balance (third information). It is an area. Further, 11-7 is an area for storing various information to be written on various documents necessary for accumulation.

The operation of this embodiment will be described with respect to a service related to travel business as a usage pattern of this embodiment.

A travel funding contract is established between the customer and the service company,
When issuing the IC card 11 to a customer, the above-mentioned cart code, travel course number, , course information, and balance information are written into each memory area within the IC card 11 .

Further, for the accumulation information written in this way, the read address of the information is set by the microcomputer of the IC card 11 in response to a read command from the host computer 23, and then the information specified by the read command is read out, and the information is read out from the IC card 11. The data is transmitted from the card 11 to the host computer 23 via the IC card reader/writer 21.

FIG. 5 shows a control procedure related to the present invention executed by the IC cart II shown in FIG.

In FIG. 5, the microcomputer in the IC card identifies the contents of each instruction code sent from the host computer 23 and performs processing according to the instruction.

For example, prior to information access to the IC card 11,
When a password to be verified and a verification command are manually entered into the IC cart 11 from the host computer 23, the microcomputer identifies the verification command and stores the previously registered registered password from the memory area 11-3 shown in FIG. is read out and checked against the manually entered PIN number. As a result of matching,
If both passwords match, subsequent access to the memory is permitted (step S10-520-530 →
5311° Also, for example, upon receiving a system code write command, the microcomputer writes the memory area 1 shown in FIG.
1-1, and write the received system code to the memory area 11-1 (step S1
0→Sll→End).

On the other hand, on the host computer 23 side, the IC card 11
is inserted into the IC card insertion slot by receiving a detection signal from the IC card reader/writer 21, and executes an information processing control procedure for the IC card 11, which will be explained below with reference to FIG. 5100
).

The host computer 23 sends a system code reading command to the IC card 11, and reads the system code from the IC card 11.
The microcomputer reads the system code from memory. Next, the host computer 23 receives the system code sent from the microcomputer of the IC cart 11 and confirms that it is the system code assigned to the travel service system (step 5).
101). When the host computer 23 determines that the system code read from the IC card 11 is not the system code registered as the lost car 1- or is not genuine, the process proceeds to step 5109, and the system code read from the IC card reader/writer 21 is read from the IC card 11. is discharged, and this control procedure ends.

When the host computer determines that the IC card is a correct IC card by checking the system code, the host computer causes the computer display 24 to display an information processing menu related to travel services. This menu includes, for example, the process of requesting the issuance of a travel ticket, etc., the process of changing the reserve contents, the process of further accumulating the reserve after the reserve is completed, the process of displaying travel plans that can be executed with the current reserve amount, and the IC cart 11 Display processing of travel information, etc. is provided.

When the operator or customer instructs a menu on the display screen using the mouse 25, the host computer 23 identifies the corresponding menu process from the indicated position and executes the instructed menu process (steps 5102 to 510).
:l).

For example, when the display processing of travel information is instructed, the host computer sends the IC card II the course number,
, instructs to output the memory/information regarding the course information accumulation balance, and displays the above-mentioned information received from the IC cart. Further, a table stored in advance in the host computer 23 in which the accumulated amount is associated with travel plans that can be executed with that amount is referred to. The host computer 23 refers to this table, extracts a travel plan that is executable with the accumulated amount stored in the IC card 11, and displays it on the computer display 24 (step 5104).
~107).

Further, when the host computer 23 is instructed to issue a travel ticket, it reads the accumulated amount (or balance) from the IC card 11. Next, the host computer 23 receives information about the travel ticket to be issued manually by the operator, and confirms that payment can be made from the accumulated amount stored in the IC card 11 based on the type of travel ticket manually entered. Then, information such as travel tickets to be issued is printed out. Further, when additional savings are to be made after the end of savings, the savings balance is updated each time based on the accumulated amount (steps 5104→5110→5114).

Therefore, the amount required for the trip is settled from the information in the IC card, and the bulkiness of holding the coupons, such as in transactions using coupons, eliminates the possibility of fractions when settling the savings.

The IC card can be used as a contract certificate or membership ticket, and when a host computer 23 is installed in a travel agency and a customer brings the IC card 11 to receive information, the IC card 11 can be used as an IC card. reader writer 21
The program may be configured so that the information is automatically provided just by inserting the information into the . In this case, the customer can easily receive information, and the store can grasp the customer's information usage status and use it for customer management, while at the same time reducing the amount of manpower required to encourage the customer to receive information orally. Decrease.

In addition, information is recorded on the IC card 11 as a travel ticket by accumulating or paying in advance, and the information can be stored more easily than paper recording media, allowing accurate information to be provided to customers based on the recorded information. It becomes possible. Furthermore, it is convenient to use the IC card 11 to automatically issue discount coupons to members who have joined the system and to store insurance such as overseas travel. IC if
By partnering with a service system that withdraws or lends a portion of the balance on the card, the IC cart itself can have the value of a gift certificate. The IC card can be used not only at the travel agency that issued the card, but also at affiliated stores of the travel agency by installing the system of this embodiment.

In the KinobN example, the service ticket is for travel-related services, but it goes without saying that this embodiment can also be applied to restaurant meal tickets, department store gift certificates, amusement park admission tickets, and the like.

As described above, in the system of this embodiment, the IC cart 11 can be used in place of a travel ticket, and can also be used as a membership ticket. It is also possible to configure an information providing service.

The IC card 11 can be used repeatedly, so after completing the accumulation, when creating the documents for the next accumulation, you can use the basic information on the IC card 11 to create the documents, and you will not have to create the documents each time you accumulate. It also disappears.

In addition, if the IC card II records the usage status and accumulation of cash vouchers, by reading that information, it is possible to know the history of past travel destinations and service usage status, and the service provider can Information for providing services such as customer preferences and interest levels can be easily obtained.

Furthermore, on the wood layer side, IC is used as a portable recording medium.
Although the explanation has been made using a card as an example, it goes without saying that other portable recording media such as a magnetic card, an optical disk card, etc. may be used depending on the memory capacity.

[Effects of the Invention] As described above, according to the present invention, when a customer saves money, information about the saved money and services provided by a service provider in exchange for the saved amount can be transferred to a portable recording medium, For example, by storing this information on an IC card and reading and writing it using a reading/writing device, documents related to savings services can be easily accessed, and the information can be stored more easily and stored on each mobile phone. Since the authenticity of the portable storage medium is confirmed using the identification code assigned to the storage medium, it is possible to prevent theft of the portable storage medium, and it is also possible to use the portable storage medium under the service contract. Since it can be used repeatedly, it also has the effect of reducing costs.

[Brief explanation of the drawing]

Fig. 1 is a block diagram showing the basic configuration of an embodiment of the present invention; Fig. 2 is a plan view showing the external appearance of an IC card If of the embodiment of the invention; Fig. 3 is a perspective view showing the system configuration of the embodiment of the invention. , FIG. 4 is a memory map showing the memory contents of the embodiment of the present invention, FIG. 5 is a flow chart showing the control procedure executed by the IC card 11 of the embodiment of the present invention, and FIG. It is a flowchart showing the controller J@ to be executed. DESCRIPTION OF SYMBOLS 11... IC card, 21... IC card reader writer, 23... Host computer, 24... Computer display, 25... Mouse. Book:! The first photo of Okawa Otsuyo row in June! Figure 1

Claims (1)

[Claims] 1) First information regarding the type and amount of savings that the customer has made up to the present time, the total amount to be saved while the customer is making savings, and the total amount of savings after the end of the savings. a portable storage medium that stores second information regarding the balance of the amount, third information regarding the payout of the accumulated amount, and identification information individually assigned in advance, and whose storage contents are rewritable; a confirmation means for confirming that the portable storage medium is currently usable by determining that the identification information has predetermined content or does not correspond to registered exclusion information; All or at least one of the first information, the second information, and the third information is transferred to the portable storage medium only when it is confirmed that the portable storage medium is currently usable. and a display means for displaying all or at least one of the first information, the second information, and the third information read by the reading and writing means. A savings information service system featuring: