JP2005202444A - Prepaid card system - Google Patents

Abstract

【Task】
To provide a prepaid card system for preventing unauthorized use due to loss or theft of a credit card or the like.
[Solution]
A network of user terminals of users who purchase goods by card payment, servers of credit card companies, servers of prepaid card companies that issue and pay for prepaid cards, and store terminals of stores that sell goods Connect to perform prepaid card issuance processing. The prepaid information is transferred from the server of the prepaid card company to the user terminal, and a two-dimensional barcode is printed on the printer connected to the user terminal to obtain a prepaid card. The store terminal reads the user's prepaid card, makes an inquiry to the server of the prepaid card company using the read prepaid information, and sells goods.
[Selection] Figure 1

Description

  The present invention relates to a prepaid system using a two-dimensional barcode.

  Credit card payment methods are widely used in various stores, but in recent years, the problem of unauthorized use when a credit card is stolen or lost, or fraudulent use by creating a forged credit card by stealing magnetic data You are experiencing a problem.

In order to solve this problem, as disclosed in Patent Document 1, there is a method in which a prepaid card is purchased by credit card settlement at ATM or the like, and settlement at a store is performed using this prepaid card.
More specifically, in Patent Document 1, a card user purchases a prepaid card with the credit card from an ATM terminal. The prepaid card usage fee is transferred from the credit card issuing company to the bank account of the store using the prepaid card. In addition, a credit card issuing company discloses a card settlement system in which an amount corresponding to the transfer amount is transferred from a credit card settlement bank to a bank account of the credit card issuing company.

  According to Patent Document 1, since a credit card and a prepaid card at the time of purchase of goods are separated from each other, even when the credit card is stolen or lost, personal authentication can be strictly performed when using the prepaid card. Can improve the reliability. Moreover, even if the prepaid card is lost, only the credit amount at the time of issuance of the prepaid card can be purchased, so damage due to loss or theft can be reduced.

JP 2001-222665 A

  However, in the above technique, since the prepaid card is purchased by a dedicated terminal such as an ATM, there is a problem that the purchase of the prepaid card is limited and the usability is not good.

  The present invention has been developed in view of the present situation, and an object of the present invention is to provide a prepaid card settlement system that is highly secure and can easily issue a prepaid card.

  In order to solve the above-described problems, in the present invention, a terminal such as a PC connected to a printer is connected to a credit card company to request the issuance of a prepaid card of an arbitrary amount. The requester is authenticated and credited, prepaid information including the requested amount and credit number is transmitted to the issuance requester, and the issuance requester prints and outputs the received prepaid information at the terminal. At the store, the paper on which the prepaid information is printed is read in the same manner as a credit card to make a settlement.

  At this time, the prepaid information to be printed uses a two-dimensional barcode that is easy to read and can record a large amount of information. By using a two-dimensional barcode as prepaid information, it is possible to include usage restriction information such as an expiration date and a settlement store in addition to the prepaid amount and the credit number. Also, prepaid information can be easily encrypted, and counterfeiting other than copying can be prevented.

  According to the present invention, since a prepaid card can be issued from a credit company to a printer connected to a PC online, there is an effect that the convenience of the prepaid card is improved regardless of the issuing place and cost reduction.

  Further, since the two-dimensional barcode is printed on the prepaid card, a lot of information can be included, and the safety of the prepaid information can be increased. Even if it is lost and misused, it cannot be used more than the credited amount, so there is little damage.

Hereinafter, the present invention will be described in detail based on an embodiment shown in the accompanying drawings.
FIG. 1 is a diagram showing the overall configuration of the prepaid system of the present invention. The user terminal 1 of the user of the prepaid card is connected to the credit card company server 2 and the prepaid card company server 3 via the Internet by the user terminal 1 to which a printer for printing prepaid information described below is connected. doing. The prepaid information issued by the prepaid card company is printed out by the printer of the user terminal 1, and the user purchases an article at the store 8 using the prepaid card.

  The credit card company server 2, the prepaid card company server 3, and the store terminal 4 are also connected to each other via a network, and perform card issuance processing, card authentication, and card settlement processing. The prepaid card issuance management is performed by the issuance number management DB 10 of the prepaid card company server 3.

Next, the entire process of the prepaid card system of the present invention will be described with reference to the sequence diagram of FIG.
The user terminal 1 of the user of the prepaid card requests the credit card company server 2 to issue a prepaid card of a certain amount from the PC it owns.

  FIG. 4 shows an example of the issue request process. FIG. 4 (a) is a diagram showing an example of a user PC request screen, in which the usage amount and the credit card number are input. Although not shown here, when a card reader is connected to the PC, a credit number may be input from the card reader. In addition, the card authentication number is entered and the main authentication and card authentication are performed by electronic authentication to prevent unauthorized use of the credit card. When a prepaid card issuance request is issued, the store where the prepaid card is used may be registered, and the registered store may be checked at the time of purchase to prevent unauthorized use. Moreover, you may make it set the expiration date of a prepaid card.

  In FIG. 4 (b), after making a prepaid card issuance request (step 31), the credit card company performs the card authentication or user authentication, and approves the issuance of the prepaid card for the usage amount. If authentication fails or there are restrictions on the use of a credit card, a notice that a prepaid card cannot be issued is sent. When a user is issued and uses a prepaid card to purchase goods at a store, the card is used in the same way as a credit card upon receiving a card usage notification or a payment request for the purchase amount from the prepaid card company server 3. Make a payment with a person.

  Returning to FIG. 3, the card company 2 that has received a prepaid card issuance request from the user performs user authentication and credit based on the credit card number, and requests the prepaid company 3 to issue a prepaid card. At this time, payment may be made between the credit card company server 2 and the prepaid card company, but it is preferable to make a payment between the credit card company server 2 and the prepaid card company server 3 each time the prepaid card is used.

  Fig. 5 shows the processing of the prepaid card company server 3. FIG. 5A is a diagram showing one piece of data 40 in the issuance number management DB 10, and data 40 is registered for each issuance request from the credit card company server 2. The management database data 40 includes an issuance amount, a card ID, and an e-mail address. Here, the issued amount is the amount of the prepaid card requested to be issued by the user, and is given by the credit card company. As will be described later, when an article is purchased with a prepaid card, the DB is updated by reducing the price of the article. The e-mail address is used when notifying the user of prepaid information of the prepaid card, and the user registers in advance with the prepaid card company or notifies the credit card company when the credit card company issues a card issuance request.

  FIG. 5 (b) shows an example of the above processing. In 41, an issuance request is received from the card company, and in 42, the ID, address, and amount are stored in the code issuance management DB. Then, the amount requested to be issued in 43 is received from the card company. At this time, 40 contents are stored in the database.

  Returning to FIG. 3, the prepaid card company attaches the print data of the prepaid card as an issuance notification mail to the mail address registered in the issuance number management DB. The user terminal 1 of the user of the prepaid card that has received the issuance notification mail prints the prepaid card on a printer connected to the PC.

  The prepaid card may be a sheet of plain paper or the like on which a two-dimensional barcode such as a QR code shown in FIG. 6 is printed. The two-dimensional bar code has a feature that more information can be recorded than a conventional bar code, and a plurality of prepaid information such as a prepaid amount and a card ID can be recorded, and the prepaid information can be encrypted. A prepaid card printed with a two-dimensional barcode can be duplicated by copying, but unauthorized use can be prevented by making an inquiry to a prepaid card company when using the card. Therefore, the same credit settlement as that of a conventional magnetic card or IC card can be realized at low cost. As described above, since a large amount of information can be recorded in the two-dimensional bar code, use limitation information such as the expiration date of a prepaid card and a usable store code may be recorded in order to improve safety.

  Returning to FIG. 3, the goods are purchased at the store with the prepaid card printed out as described above. As shown in FIG. 2, the store terminal 4 scans the two-dimensional barcode of the prepaid card and makes an inquiry to the prepaid card company server 3 based on the recognized prepaid information. Upon receipt of the inquiry, the prepaid card company checks for unauthorized use. If there is no problem, the prepaid card company updates the data in the issuance number management DB 10 to reduce the issue amount by the purchase amount, and responds to the store terminal 4. The store terminal 4 sells the article to the user based on the introduction result, returns the balance on the prepaid card.

  FIG. 7 is a diagram for explaining the processing at the store, and in particular, the balance may be included in the data of the issue number management DB 10 as shown in FIG.

It is a payment flow figure of the prepaid card payment system concerning one example of an embodiment of this invention. It is the flowchart which showed the procedure which authenticates the card | curd of this invention. It is a code / money transition diagram. It is a code issuance request Web page screen and a flow diagram. It is a schematic diagram of a payment system. It is a figure which shows an example of a two-dimensional code. It is a figure which shows a payment flow figure and a database.

Explanation of symbols

1: User terminal, 2: Credit card company server,
3: Prepaid card company server, 4: Store terminal

Claims (1)

A prepaid card system in which a user, a store, a credit card company, and a terminal and server of a prepaid card company connect to the network and perform credit sales,
A prepaid card company server that receives the user's prepaid card issuance request via the credit card company server and sends the prepaid information to the user terminal;
A prepaid card issuance request is transmitted to the prepaid card company server via the credit card company server, the prepaid card is received from the prepaid card company server, and the prepaid card is printed as a two-dimensional barcode on the connected printer. A user terminal,
A store terminal that obtains prepaid information from the prepaid card and makes an inquiry to a server of the prepaid card company;
A prepaid card system for selling with the prepaid card.

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