JP2000067140A - Electronic money system, cashless transaction method, payment terminal and record medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic money system and cashless transaction method or the like improved in convenience by merging both a BANKPOS function and an electronic money function. SOLUTION: When the amount of payment is high at the time of payment, a POS terminal 5, to which an IC card 7 is set, requests MS information to the IC card 7 and transmits this MS information to a bank host 1 together with the amount of payment. Corresponding to this information, the bank host 1 moves the fund corresponding to the amount of payment from the account of a relevant user to an account for a shop and the completion of fund moving is reported to the POS terminal 5. Besides, when the amount of payment is low, the POS terminal 5 requests the electronic money corresponding to the amount of payment to the IC card 7 and stores the electronic money received from this IC card 7.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an electronic money system and a cashless transaction method which enable electronic money transactions in conjunction with a BANKPOS system.

[0002]

2. Description of the Related Art There has been known a BANKPOS system which can immediately execute settlement by using a bank account, deducting the amount of payment from an account and depositing the amount in a store account each time payment is made. ing.

[0003]

In such a system, the bank host is accessed online each time the payment is made, so there is an advantage that the security is high, but the response is slow and the operation time is limited. There is a disadvantage that. On the other hand, payment systems that use electronic money for payment
Because of the offline processing, there is an advantage that the operation time is not limited and the response is fast, but there is a disadvantage that the security is lower than that of the BANKPOS system. Therefore, none of the methods can satisfy various needs of the user.

The present invention has been made in view of the above circumstances, and provides a highly convenient electronic money system in which both a BANKPOS function and an electronic money function are merged, a cashless transaction method, and the like. Aim.

[0005]

In order to achieve the above object, an electronic money system according to a first aspect of the present invention comprises:
An electronic money system comprising: a bank host that manages a bank deposit account; and a payment terminal that performs payment processing using an IC card that stores user information and electronic money for identifying a user, The payment terminal receives the user information from the IC card at the time of payment, transmits a payment request including the user information and the payment amount information to the bank host, and specifies the user at the bank host based on the user information. BANKPOS payment means for confirming online that the payment amount has been deducted from the user's account to be paid; electronic money payment means for receiving and storing electronic money corresponding to the payment amount from the IC card at the time of payment;
Payment selection means for selecting one of the BANKPOS payment means and the electronic money payment means, wherein the bank host receives the payment request from the payment terminal,
Means are provided for deducting a payment amount from a user's account specified by the user information included in the payment request and notifying the payment terminal that the payment amount has been deducted.

[0006] According to such a configuration, a highly secure B
Among the payment method using ANKPOS and the payment method using electronic money with fast response, for example, a payment method suitable for a payment situation is selected based on a situation at the time of transaction (payment amount or the like), so that there is a risk in cashless transaction. And an electronic wallet that can be used for a large amount can be realized.

[0007] The electronic money system may further include a joint center between the payment terminal and the bank host, wherein the joint center includes the user information stored in the IC card and a charge amount. And a charge request is issued from the outside, and electronic money equivalent to a predetermined amount is issued and transmitted to the request source, and the predetermined amount is obtained from the account of the user specified by the user information included in the charge request Means may be provided for requesting the bank host to deduct an amount.

An electronic money system according to a second aspect of the present invention uses a bank host that manages a bank account and an IC card that stores user information for specifying a user and electronic money. An electronic money system comprising a payment terminal that performs payment processing, and a joint center installed between the payment terminal and the bank host,
The payment terminal receives the user information from the IC card at the time of payment, transmits a payment request including the user information and the payment amount information to the joint center, and at the bank host, according to the user information. BANKPOS payment means for confirming online that the payment amount has been deducted from the specified user's account via the joint center; and receiving and storing electronic money corresponding to the payment amount from the IC card at the time of payment. Electronic money payment means,
A payment selection unit that selects one of the BANKPOS payment unit and the electronic money payment unit, wherein the joint center receives the payment request from the BANKPOS payment unit of the payment terminal, and responds to the payment request. Means for transmitting to the bank host a payment instruction instructing to deduct the payment amount from the user's account specified by the included user information, wherein the bank host responds to the payment instruction from the joint center. Accordingly, a means is provided for deducting the payment amount from the account of the corresponding user and notifying the payment terminal via the joint center that the payment amount has been deducted.

According to such a configuration, a highly secure B
Among the payment method using ANKPOS and the payment method using electronic money with fast response, for example, a payment method suitable for a payment situation is selected based on a situation at the time of transaction (payment amount or the like), so that there is a risk in cashless transaction. And an electronic wallet that can be used for a large amount can be realized.

[0010] The joint center receives a charge request including the user information and the charge amount stored in the IC card from the outside, issues electronic money corresponding to a predetermined amount, and sends the electronic money to the request source. The information processing apparatus may further include means for transmitting to the bank host and requesting the bank host to deduct the predetermined amount from the user's account specified by the user information included in the charge request.

The electronic money system according to the first and second aspects may further include an issuing server for issuing the electronic money, and a charging device for charging the electronic money to an IC card. The charging device accepts the IC card and issues a charge request including the user information acquired from the IC card and the charge amount in response to a predetermined external instruction including the charge amount. Means for transmitting to the server; and means for receiving the electronic money issued by the issuing server and storing the electronic money in the IC card. It issues electronic money equivalent to the amount of money, transmits it to the requestor, and uses the money specified by the user information included in the charge request. May comprise means for requesting the bank host that the user account subtracting the predetermined amount.

[0012] The payment selecting means in the payment terminal, if the payment amount is higher than a predetermined amount, the B
ANKPOS payment means is selected, and if the payment amount is smaller than the predetermined amount, the electronic money payment means is selected. If the payment time is within a predetermined time, the BANK payment means is selected.
Means for selecting a POS payment means, and when payment is outside the predetermined time, means for selecting the electronic money payment means, and the BANKP in accordance with the grade set in the payment terminal.
Means for selecting one of the OS payment means and the electronic money payment means, and the I set in the payment terminal.
According to the grade set in the C card, the BANK
At least one of POS payment means and means for selecting one of the electronic money payment means may be provided.

[0013] Further, the payment terminal receives the IC card, and in response to a predetermined external instruction including a charge amount, includes the user information acquired from the IC card and the charge amount. The information processing apparatus may further include means for transmitting the charge request to the joint center or the issuing server, and charging means for receiving the issued electronic money and storing the electronic money in the IC card.

[0014] The payment terminal may be configured such that when the electronic money payment means is selected by the payment selection means and the amount of electronic money stored in the IC card is less than the payment amount, the joint center or the issuing server is used. And means for requesting the user to charge electronic money.

[0015] The electronic money payment means of the payment terminal may further include means for transmitting the electronic money received from the IC card to the issuing means.

A cashless transaction method according to a third aspect of the present invention includes a bank host for managing a bank account, and an IC card for storing user information for specifying a user and electronic money. A cashless transaction method in a system comprising: a payment terminal that performs a payment process used; wherein the payment terminal uses a first payment method online and a second payment method offline.
The user information and the payment amount information stored in the IC card when the first payment method is selected by the payment selection step of selecting one of the following. A BANKPOS payment step for sending a payment request including the payment request from the payment terminal to the bank host;
Receiving the payment request by the payment step, deducting the payment amount from the user's account specified by the user information included in the payment request, and transmitting the payment request that the payment amount has been deducted; When the second payment method is selected by the step of notifying the original payment terminal and the payment selection step, the payment terminal receives and stores the electronic money corresponding to the payment amount from the IC card. Electronic money payment step.

According to such a configuration, a highly secure B
Among the payment method using ANKPOS and the payment method using electronic money with fast response, for example, a payment method suitable for a payment situation is selected based on a situation at the time of transaction (payment amount or the like), so that there is a risk in cashless transaction. And an electronic wallet that can be used for a large amount can be realized.

A cashless transaction method according to a fourth aspect of the present invention comprises a bank host for managing a bank account, and an IC card for storing user information for specifying a user and electronic money. A cashless transaction method in a system comprising: a payment terminal for performing a payment process used; and a joint center provided between the bank host and the payment terminal, wherein the payment terminal includes: A payment selecting step of selecting one of a payment method and a second offline payment method; and, if the first payment method is selected by the payment selecting step, the first payment method is stored in the IC card. BANKPO for transmitting a payment request including the user information and payment amount information from the payment terminal to the joint center.
S payment step; and in the joint center, the BA
Receiving the payment request by the NKPOS payment step;
A payment instruction step for instructing the bank host to deduct the payment amount from the user's account specified by the user information included in the payment request; and the bank host responds to the instruction by the payment instruction step. , Deduct payment from the applicable user ’s account,
A step of notifying the payment terminal of the completion of the deduction of the payment amount via the joint center; and a step of selecting the second payment method by the payment selection step. An electronic money payment step of receiving and storing electronic money corresponding to the payment amount from the card.

According to such a configuration, a highly secure B
Among the payment method using ANKPOS and the payment method using electronic money with fast response, for example, a payment method suitable for a payment situation is selected based on a situation at the time of transaction (payment amount or the like), so that there is a risk in cashless transaction. And an electronic wallet that can be used for a large amount can be realized.

[0020] The payment selecting step includes selecting the first payment method when the payment amount is higher than a predetermined amount;
Selecting the second payment method if the payment amount is smaller than the predetermined amount; selecting the first payment method if the payment time is within a predetermined time; Otherwise, selecting the second payment method, and selecting one of the first payment method and the second payment method according to a grade set in the payment terminal. The first step according to the grade set in the IC card set in the payment terminal.
And selecting at least one of the second payment method and the second payment method.

A recording medium according to a fifth aspect of the present invention includes a computer, a bank host for managing a bank account, and an IC card for storing user information for specifying a user and electronic money. A payment terminal that performs a payment process using a computer-readable recording medium that records a program for causing the computer to function as the payment terminal in an electronic money system including: Receiving the user information, transmitting a payment request including the user information and the payment amount information to the bank host, wherein the payment amount is deducted from the account of the user specified by the user information. B to confirm that you have been online
ANKPOS payment means, functioning as electronic money payment means for receiving and storing electronic money equivalent to the payment amount from the IC card at the time of payment, and payment selection means for selecting one of the BANKPOS payment means and the electronic money payment means Record the program for

A recording medium according to a sixth aspect of the present invention includes a computer, a bank host for managing a bank deposit account, and an IC card for storing user information for specifying a user and electronic money. A computer-readable recording device that records a program for functioning as a payment terminal in an electronic money system including a payment terminal that performs a payment process using a computer, and a joint center provided between the bank host and the payment terminal. A recording medium, wherein the computer, upon payment, receives the user information from the IC card, transmits a payment request including the user information and payment amount information to the joint center, The fact that the payment amount has been deducted from the account of the user specified by the user information is online via the joint center. BANKPOS payment means, electronic money payment means for receiving and storing electronic money equivalent to the payment amount from the IC card at the time of payment, and payment selection means for selecting one of the BANKPOS payment means and the electronic money payment means Record the program to function as,

[0023]

Embodiments of an electronic money system according to the present invention will be described below with reference to the drawings. As shown in FIG. 1, the electronic money system includes a bank host 1 and an issue management server 2 installed in a bank.
, Electronic money charging machine 3, POS terminal 5, IC
A card 7. The bank host 1 is a computer for performing operations and management of banking business, and has an account database (D) storing account information of each user (store).
B) 1A is provided. The bank host 1 transfers funds between the user and the store account in response to a predetermined request from the POS terminal 5 or the like. The issuance management server 2 is connected to the bank host 1 and issues electronic money used in the present system.

The electronic money charging machine 3 is a dedicated terminal for a user to charge electronic money to his / her own IC card 7, and charges a predetermined amount of electronic money to the issue management server 2 via a dedicated line or the like. The electronic money issued by the issuance management server 2 is stored in the memory of the IC card 7.

The POS terminal 5 is, for example, a terminal that is installed in a store or the like and that performs a payment process when purchasing a product, and is connected to the bank host 1 and the issue management server 2 via a public line or the like. In the payment process, the POS terminal 5 has a conventional BANKPOS function of accessing the bank host 1 online and transferring funds corresponding to the payment amount from the user's account to the store account. Offline payment processing to receive electronic money corresponding to the payment amount from the company. The POS terminal 5 selects one of these two payment methods according to the transaction amount (payment amount). In other words, the POS terminal 5 is, for example, for a high-payment where the transaction amount is a predetermined amount or more, the BANKPO.
The payment method by S is selected, and the payment method by electronic money is selected for the small payment in which the transaction amount is less than the predetermined amount.

As shown in FIG. 2, the IC card 7
This is a card including a chip, and the memory of the IC chip stores predetermined information (hereinafter, MS information) stored in a magnetic stripe portion of a cash card in a conventional BANKPOS system and used for transactions. The memory of the IC chip also stores electronic money transaction information (balance, user ID, etc.) used for transactions using electronic money. IC card 7
Stores information related to electronic money issued to the card (issue management information).

The present system is a system in which a payment method suitable for the scene can be selected from a payment method using BANKPOS and a payment method using electronic money in a payment scene at a store or the like based on the payment amount.
Hereinafter, each payment process will be described.

First, the payment processing by BANKPOS is almost the same as the conventional processing. For example, FIG.
As shown in (1), the POS terminal 5 requests MS information from the user's IC card 7 set in the terminal (L1), and in response to this request, the IC card 7 sends the MS information to the POS terminal 5. (L2). The POS terminal 5 transmits a predetermined payment request including, for example, part or all of the MS information received from the IC card 7 and the payment amount to the bank host 1 (L3). In response, the bank host 1 transfers funds corresponding to the payment amount from the corresponding user's account to the store account, and transmits a completion signal indicating that the transfer of funds between the accounts has been completed (L4). . In response to this completion signal, P
The OS terminal 5 displays a message or the like indicating that the payment processing is completed, ejects the IC card 7, and ends the processing.

In the payment processing by BANKPOS, the bank host 1 is accessed online every time a transaction is made, so that the response is slow, but the security in the transaction is high.
Therefore, in this system, if the payment amount is high,
The POS terminal 5 selects this payment method and executes the above-described processing.

Next, in the case of payment by electronic money, for example, as shown in FIG. 3B, the POS terminal 5 sends the user's IC card 7 set in the terminal to the payment amount corresponding to the payment amount. The electronic card is requested (L5), and in response to the request, the IC card 7 attaches a user ID or the like to the electronic money corresponding to the payment amount and transmits the electronic money to the POS terminal 5 (L6). P
The OS terminal 5 performs a predetermined check on the electronic money received from the IC card 7, stores the electronic money in a storage unit (not shown), discharges the IC card 7, and ends the processing.

In the payment processing by the electronic money, since the processing is performed offline without accessing the bank host 1 at the time of the transaction, the response is fast, but the security in the transaction is lower than the case of the payment by the BANKPOS. Therefore, in the present system, when the payment amount is small, the POS terminal 5 selects this payment method and executes the above-described processing.

In the payment process using the electronic money, the POS terminal 5 transmits the electronic money received from the IC card 7 to the issue management server 2 at a predetermined timing (for example, once a day). The issuance management server 2 determines the electronic money received from the POS terminal 5
For example, check that they are legitimate electronic money, not fraudulent electronic money due to forgery, etc., and after the check is completed, transfer the funds corresponding to the received electronic money from the bank account to the store account. Instruct bank host 1. In response to this instruction, the bank host 1 transfers a predetermined amount of funds from the bank account to the store account. Thereby, the electronic money paid from the IC card 7 to the store is deposited in the bank.

The charging of electronic money to the IC card 7 will be described with reference to FIG. For example, the user sets the IC card 7 in the electronic money charging machine 3, selects, for example, "Charge electronic money" displayed on the screen, and inputs the charge amount. In response, the electronic money charging machine 3 requests information (authentication information) for authenticating an individual, such as a user ID and a digital signature, from the set IC card 7, and receives the information ( L11, L12). Next, the electronic money charger 3 checks the authentication information received from the IC card 7 with
A charge request including the input charge amount is transmitted to the issue management server 2 (L13).

The issuance management server 2 receives the charge request from the electronic money charge machine 3 and checks, for example, whether or not the authentication information included in the charge request is appropriate. Issue electronic money equivalent to the requested amount. The issuance management server 2 transmits the issued electronic money to the electronic money charging machine 3 that has issued the request, and transfers the fund corresponding to the issued amount from the user's account specified by the authentication information to the bank account. Instruct the bank host 1 (L14, L15). In response to this instruction, the bank host 1 transfers a predetermined amount of funds from the user's account to the bank account. Further, the electronic money charging machine 3 receives the electronic money issued by the issuance management server 2, and transmits the electronic money to the IC card 7 set in the device (L16). The IC card 7 receives the electronic money and stores it in the memory.

In addition, not only the electronic money charging machine 3 but also the POS terminal 5 may be configured to be able to charge electronic money. In this case, the user sets the IC card 7 in the POS terminal 5, selects, for example, “Charge electronic money” displayed on the screen of the POS terminal 5, and inputs the charge amount. In response, the POS terminal 5 performs the same processing as the electronic money charging processing by the electronic money charging machine 3 described above. Note that this P
The electronic money charging process by the OS terminal 5 is executed only when the payment method using the electronic money is selected and the amount of the electronic money stored in the IC card 7 set in the terminal is less than the payment amount. You may do so.

In this system, electronic money stored in the IC card 7 can be deposited via the electronic money charger 3 or the POS terminal 5.
In this case, the user sets his / her IC card 7 in the electronic money charging machine 3 or the POS terminal 5, selects, for example, “deposit of electronic money” displayed on the screen, and inputs the deposit amount. . In response, the electronic money charging machine 3 or the POS terminal 5 requests the IC card 7 for electronic money or the like corresponding to the input deposit amount.
The IC card 7 adds, for example, authentication information such as a user ID and a digital signature to the electronic money to be deposited, and transmits the electronic money to the electronic money charger 3 or the POS terminal 5. The electronic money charging machine 3 or the POS terminal 5 has an IC card 7
The electronic money received from the personal storage unit (not shown)
Then, the IC card 7 is ejected, and the process of receiving the electronic money to be deposited ends.

The electronic money charging machine 3 or the POS terminal 5 which has received and stored the electronic money to be deposited from the IC card 7 at a predetermined timing (for example, once a day). It is transmitted to the issue management server 2. The issuance management server 2 receives the electronic money to be deposited from the electronic money charging machine 3 or the POS terminal 5 and checks that the electronic money is not illegal electronic money due to forgery or the like. After confirming the appropriateness of the electronic money, the issuance management server 2 moves the fund corresponding to the electronic money from the bank account to the corresponding user's account based on the received authentication information given to the electronic money. Instruct In response to this instruction, the bank host 1
Transfer a predetermined amount of funds from the bank account to the corresponding user account.

As described above, the electronic money stored in the IC card 7 is transferred to the electronic money charging machine 3 or the POS
The electronic money is transmitted to the issuance management server 2 via the terminal 5 and the fund corresponding to the electronic money is deposited in the user's account in the bank host 1, whereby the deposit of the electronic money is completed. The function of depositing electronic money may be provided in only one of the electronic money charger 3 and the POS terminal 5.

In the above description, the POS terminal 5 determines whether the payment amount is a large amount or a small amount in a payment scene, and determines which payment method (BANKPOS or electronic money) based on the determination result. Although a decision is made as to whether or not to make a selection, the criterion for selecting the payment method is not limited to this, and is arbitrary. For example, POS terminal 5
May select any payment method based on the following determination conditions.

(1) Selection Based on Payment Time For example, the POS terminal 5 uses BA to pay within a predetermined time.
A payment method by NKPOS is selected, and a payment method by electronic money is selected for payment outside a predetermined time. BANK
Since the payment by the POS is linked to the account in the bank host 1, the operation time is limited to the business hours of the bank. Therefore, for example, during a time when payment by BANKPOS is possible, a payment method using BANKPOS is selected, and at other times, a payment method using electronic money is selected, so that cashless payment can be performed for 24 hours. .

(2) Selection based on grade of POS terminal 5 For example, a grade is set in advance for each POS terminal 5,
Each terminal selects a payment method based on the grade. For example, if the POS terminal 5 installed at the station stand is set to a grade that allows payment only by electronic money, the POS terminal 5 pays by electronic money based on the grade set for itself. Only payment by method is performed. In addition, when a grade is set for the POS terminal 5 installed in the department store, in which both BANKPOS and electronic money can be paid, the POS terminal 5
The terminal 5 enables payment processing by any payment method based on the grade set for itself. As a result, the grade corresponding to the payment method desired by each store is set to each PO.
By setting in the S terminal 5, it is possible to correspond to the payment method required by each store.

(3) Selection based on grade of IC card 7 For example, a grade is set in advance for each IC card 7,
The POS terminal 5 selects a payment method based on the grade of each IC card 7. For example, when an IC card 7 in which a grade that allows only payment by BANKPOS is used is used, the POS terminal 5 selects a payment method by BANKPOS based on the grade of the IC card 7. Further, when an IC card 7 in which a grade that allows payment of both BANKPOS and electronic money is used, the POS terminal 5 uses any of the payment methods based on the grade of the IC card 7. Enable payment processing. This makes it possible to differentiate the provided service for each user. Further, when a charge request for electronic money is input by the user, it may be determined whether or not to permit charging according to the grade of the IC card 7.

(4) Selection Based on Instruction from User For example, at the time of payment, the POS terminal 5 uses the “BANKPOS
The user may select one of “payment by electronic money” and “payment by electronic money”, and perform the payment process by the selected payment method.

The above-described determination conditions may be used alone or in combination.

For example, as shown in FIG. 5, another institution (joint center) is installed between the POS terminal 5 and the bank host 1, and performs the payment processing by BANKPOS and / or the charging processing of the electronic money. (A joint center). For example, the joint center, which is another institution, accepts a payment request from the POS terminal 5 and instructs the bank host 1 to transfer a predetermined amount of funds from the corresponding user's account to the store's account. Is also good. In addition, the joint center receives the electronic money charge request from the POS terminal 5, issues the electronic money, and instructs the bank host 1 to transfer a predetermined amount of funds from the corresponding user's account to the bank account. It may be instructed. Further, after receiving the deposit request from the POS terminal 5 and checking that the electronic money to be deposited is not unauthorized electronic money, the joint center transfers a predetermined amount of money from the bank account to the corresponding user (or store) account. Alternatively, the bank host 1 may be instructed to transfer the funds. Further, the joint center may process a request from not only the POS terminal 5 but also the electronic money charger 3.

Note that, as shown in FIG.
An IC chip and a magnetic stripe unit for storing the MS information may be provided. In this case, the MS information may be held in the IC chip as shown in FIG. 6A, and the M information may be stored in the IC chip as shown in FIG.
The S information may not be held. at least,
When using the IC card 7 shown in FIG.
At the time of payment by POS, processing is performed using MS information stored in the magnetic stripe portion, and at the time of payment by electronic money, processing is performed by an IC chip.

The electronic money system according to the present embodiment can be realized by using a normal computer system without using a dedicated system. For example, by installing the program from a medium (a floppy disk, a CD-ROM, or the like) storing a program for executing the above-described operation in a computer, the electronic money charging machine 3 or the POS terminal 5 that executes the above-described processing Can be configured. In the case where the above-described functions are realized by the sharing of the OS or the joint use of the OS and the application, a program or the like other than the OS may be stored in the medium.

The medium for supplying the program to the computer may be a communication medium (a medium that temporarily and fluidly stores the program, such as a communication line, a communication network, or a communication system). For example, the program may be posted on a bulletin board (BBS) of a communication network and distributed via the network. Then, by starting this program and executing it in the same manner as other application programs under the control of the OS, the above-described processing can be executed.

[0049]

As described above, according to the present invention,
Among the payment methods using the highly secure BANKPOS and the payment method using electronic money with a fast response, for example, a payment method suitable for the payment scene is selected based on the situation at the time of the transaction, so that the danger in cashless transactions is reduced. An electronic wallet that can be suppressed and used for a large amount can be realized.

[Brief description of the drawings]

FIG. 1 is a diagram schematically showing a configuration of an electronic money system according to an embodiment of the present invention.

FIG. 2 is a diagram for explaining a structure of an IC card used in the electronic money system of FIG.

FIG. 3 shows a BANKP in the electronic money system of FIG. 1;
Payment processing by OS, payment processing by electronic money,
FIG.

FIG. 4 is a diagram for explaining electronic money charging processing in the electronic money system of FIG. 1;

FIG. 5 is a diagram schematically showing a configuration of a system in a case where a joint center manages electronic money in place of an issuance management server.

FIG. 6 is a diagram showing a configuration of an IC card including an IC chip and a magnetic stripe unit for storing MS information.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Bank host 1A account database 2 Issuance management server 3 Electronic money charge machine 5 POS terminal 7 IC card

[Procedure amendment]

[Submission date] December 6, 1999 (1999.12.
6)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Name of invention

[Correction method] Change

[Correction contents]

Patent application title: Electronic money system, cashless transaction method , payment terminal, and recording medium

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] Claims

[Correction method] Change

[Correction contents]

[Claims]

4. The electronic money system further comprises a common center between the payment terminal and the bank host, wherein the common center includes the user information stored in the IC card, a charge amount, , A charge request is received from the outside, electronic money corresponding to a predetermined amount is issued, transmitted to the requester, and the predetermined amount is calculated from the user's account specified by the user information included in the charge request. The electronic money system according to claim 1, further comprising means for requesting the bank host to deduct the payment from the bank host.

Wherein said joint center, and the user information stored in the IC card receives a charge amount, the charge request including the external, by issuing a predetermined amount equivalent to electronic money, the request 3. The system according to claim 2, further comprising: means for transmitting to the source and requesting the bank host to deduct the predetermined amount from the account of the user specified by the user information included in the charge request. An electronic money system according to item 1.

6. The electronic money system further comprises: an issuing server for issuing the electronic money; and a charging device for charging the electronic money to an IC card, wherein the charging device receives the IC card. In response to a predetermined external instruction including the charge amount,
Means for transmitting a charge request including the user information acquired from the C card and the charge amount to the issuing server; and receiving the electronic money issued by the issuing server and storing the electronic money in the IC card. In response to the charge request from the outside, the issue server issues electronic money corresponding to a predetermined amount, transmits the electronic money to a request source, and is specified by the user information included in the charge request. The electronic money system according to claim 1 or 2, further comprising means for requesting the bank host to deduct the predetermined amount from the user's account.

7. The payment selection means in the payment terminal, wherein the payment amount is higher than a predetermined amount, the BANKP
Means for selecting an OS payment means, selecting the electronic money payment means when the payment amount is smaller than the predetermined amount, and selecting the BANKPOS payment means when the payment time is within a predetermined time, Means for selecting the electronic money payment means when the time is outside the predetermined time; and the BAN according to the grade set in the payment terminal.
Means for selecting one of the KPOS payment means and the electronic money payment means; and the BANKPOS payment means and the electronic money payment means according to a grade set in the IC card set in the payment terminal. The electronic money system according to any one of claims 1 to 6 , further comprising: means for selecting one of the following.

Wherein said payment terminal comprises the accepts IC card, in response to a predetermined instruction from the outside, including a charge amount, and the user information acquired from the IC card, and the charge amount, the means for transmitting the charge request to said joint center to receive the electronic money issued by the joint center, further comprising a charge means to be stored in the IC card, it to claim 4 or 5, wherein Electronic money system as described.

Wherein said payment terminal, said the payment selection means said electronic money payment means is selected, the amount of electronic money in which the IC card is stored within the case is less than the payment amount, the electronic money to the joint center The electronic money system according to claim 8 , further comprising: means for requesting a charge.

Wherein said payment terminal comprises the accepts IC card, in response to a predetermined instruction from the outside, including a charge amount, and the user information acquired from the IC card, and the charge amount, the 7. The apparatus according to claim 6 , further comprising: means for transmitting the charge request to the issuing server; and charging means for receiving the electronic money issued by the issuing server and storing the electronic money in the IC card. Electronic money system.

Wherein said payment terminal, said the payment selection means said electronic money payment means is selected, the amount of electronic money in which the IC card is stored within the case is less than the payment amount, the electronic money to said issuing server The electronic money system according to claim 10 , further comprising: means for requesting a charge.

12. The electronic money payment means of the payment terminal further comprising means for transmitting to said issuing means collectively electronic money received from the IC card, any of claims 1 to 11, characterized in that 2. The electronic money system according to claim 1.

And bank host for managing 13. bank account of the cache in a system and a payment terminal that performs payment processing using the IC card for storing user information and electronic money for specifying the user The transaction method, wherein the payment terminal automatically selects one of an online first payment method and an offline second payment method in accordance with a predetermined determination criterion.
To the payment selection step of selecting, by the payment selection step, when the first payment method is selected, the payment request including said user information stored in the IC card, and payment amount information, the A BANKPOS payment step of transmitting the payment request from the payment terminal to the bank host, the bank host receiving the payment request by the BANKPOS payment step, and a user specified by the user information included in the payment request. Deducting the payment amount from the account, and notifying the payment terminal that has transmitted the payment request that the payment amount has been deducted, and the second payment method has been selected by the payment selecting step. In the case, the payment terminal receives and stores the electronic money corresponding to the payment amount from the IC card. Cashless transaction system, characterized in that it comprises a child money payment step.

14. A bank terminal for managing a bank deposit account, a payment terminal for performing payment processing using an IC card for storing user information for specifying a user and electronic money, the bank host and the bank host. A cashless transaction method in a system including a joint center provided between the payment terminal and a payment terminal, wherein the payment terminal includes a first payment method online and a second payment method offline. One of them automatically according to a predetermined discrimination criterion.
To the payment selection step of selecting, by the payment selection step, when the first payment method is selected, the payment request including said user information stored in the IC card, and payment amount information, the And a BANKPOS payment step of transmitting the payment request from the payment terminal to the joint center. The joint center receives the payment request in the BANKPOS payment step, and transmits the user specified by the user information included in the payment request. A payment instruction step for instructing the bank host to deduct the payment amount from the account; and in the bank host, in response to the instruction by the payment instruction step, deduct the payment amount from the corresponding user's account, and A step of notifying the payment terminal via the joint center that the deduction of the payment has been completed. And an electronic money payment step in which, when the second payment method is selected in the payment selection step, the payment terminal receives and stores electronic money corresponding to the payment amount from the IC card. A cashless transaction method characterized by the following.

15. The payment selection step, if the payment amount is high than a predetermined amount and selecting the first payment method, the second method of payment when payment amount is small than the predetermined amount Selecting the first payment method if the payment time is within a predetermined time, and selecting the second payment method if the payment time is outside the predetermined time; Selecting one of the first payment method and the second payment method in accordance with the grade set in the payment terminal; and the grade set in the IC card set in the payment terminal depending on claim 13, characterized in that it comprises the steps of selecting one of said first payment method and the second method of payment, at least one of
Or the cashless transaction method according to 14 .

16. A computer comprising: a bank host that manages a bank account; and a payment terminal that performs a payment process using an IC card that stores user information for specifying a user and electronic money. A computer-readable recording medium recording a program for causing the computer to function as the payment terminal in an electronic money system, the computer comprising, upon payment, receiving the user information from the IC card, A BANKPO sends a payment request including payment amount information to the bank host, and confirms online that the payment amount has been deducted from the user's account specified by the user information.
S payment means, functioning as electronic money payment means for receiving and storing electronic money equivalent to the payment amount from the IC card at the time of payment, and payment selection means for selecting one of the BANKPOS payment means and the electronic money payment means A computer-readable recording medium that records at least a part of a program for causing a computer to execute the program.

17. A computer comprising: a bank host for managing a bank deposit account; a payment terminal for performing payment processing using an IC card for storing user information for specifying a user and electronic money; A computer-readable recording medium recording a program for causing the computer to function as the payment terminal in an electronic money system including a host and a joint center provided between the payment terminal, wherein the computer comprises: Receiving the user information from the IC card, transmitting a payment request including the user information and the payment amount information to the joint center, at the bank host, from the user account specified by the user information; BANKPOS payment means for confirming online that the payment amount has been deducted via the joint center; Sometimes, receives the electronic money of the payment amount equivalent from the IC card, storing electronic money payment means, said BANKPOS
A computer-readable recording medium recording at least a part of a program for causing the electronic money payment means to select one of a payment means and the electronic money payment means.

[Procedure amendment 3]

[Document name to be amended] Statement

[Correction target item name] 0011

[Correction method] Change

[Correction contents]

[0011] In the electronic money system according to the first and second aspects, the payment terminal is, for example, one device.
Within said BANKPOS payment means and electronic money payment
And the payment selecting means comprises one IC
The BANKPOS for one payment using a card
Select one of the payment means and the electronic money payment means
Make it work. The electronic money system according to the first and second aspects may further include an issue server that issues the electronic money, and a charging device that charges the electronic money to an IC card. The charging device accepts the IC card and, in response to a predetermined external instruction including a charge amount, issues a charge request including the user information acquired from the IC card and the charge amount to the issuing server. Means for transmitting the electronic money issued by the issuing server and storing the electronic money in the IC card,
The issuing server issues electronic money corresponding to a predetermined amount in response to the charge request from the outside, transmits the electronic money to a request source, and transmits the electronic money of a user specified by the user information included in the charge request. Means may be provided for requesting the bank host to deduct the predetermined amount from an account.

[Procedure amendment 4]

[Document name to be amended] Statement

[Correction target item name] 0022

[Correction method] Change

[Correction contents]

A recording medium according to a sixth aspect of the present invention includes a computer, a bank host for managing a bank deposit account, and an IC card for storing user information for specifying a user and electronic money. A computer-readable recording device that records a program for functioning as a payment terminal in an electronic money system including a payment terminal that performs a payment process using a computer, and a joint center provided between the bank host and the payment terminal. A recording medium, wherein the computer, upon payment, receives the user information from the IC card, transmits a payment request including the user information and payment amount information to the joint center, The fact that the payment amount has been deducted from the account of the user specified by the user information is online via the joint center. BANKPOS payment means, electronic money payment means for receiving and storing electronic money equivalent to the payment amount from the IC card at the time of payment, and payment selection means for selecting one of the BANKPOS payment means and the electronic money payment means Record the program to function as, A seventh aspect of the present invention
The payment terminal according to the above, at the time of payment, from the IC card
Receiving user information, the user information and payment amount information
A payment request, including, for example,
To the user and specified by the user information
Online that your payment has been deducted from your account
BANKPOS payment means for confirming, and said I
Receiving electronic money equivalent to the payment amount from C card,
Electronic money payment means for storing, and the BANKPOS
Payment means for selecting one of the payment means and the electronic money payment means.
And a payment selecting means. For example,
The payment terminal includes, in one device, the BANKPOS
Comprising both payment means and electronic money payment means,
Payment selection means is one payment using one IC card
The BANKPOS payment means and the electronic money
One of the payment means may be selectively operated.
The payment selecting means may, for example, make the payment amount more than a predetermined amount.
In the case of a high price, select the BANKPOS payment means,
If the payment amount is smaller than the predetermined amount, the electronic mail
A means for selecting a payment means, and a payment time within a predetermined time.
In this case, select the BANKPOS payment method and pay
Is out of the predetermined time, the electronic money payment means
Selection means and the grade set for the payment terminal.
The BANKPOS payment means and the electronic money support
Means for selecting one of payment means, and the payment terminal
To the grade set in the IC card set in
Accordingly, the BANKPOS payment means and the electronic money
Means of selecting one of payment means
And one. Further, the payment terminal is provided with the IC card.
Accepting the charge and receiving a charge from the outside including the charge amount
The user obtained from the IC card in response to the instruction of
The charge request including information and the charge amount
Means for transmitting to the joint center,
Receiving the electronic money issued by the
The storage device may further include a charging unit for storing the data in the memory. Previous
The payment terminal is configured to control the electronic money by the payment selecting means.
The payment means is selected, and the electronic card stored in the IC card is stored.
If the amount of money is less than the amount paid,
A means for requesting a charge may be further provided. Said support
The payment terminal accepts the IC card and charges
In response to a predetermined external instruction including
The user information obtained from the
Means for transmitting the charge request including the charge request to the issuing server
And the electronic money issued by the issuing server
Charge means for receiving and storing in the IC card
May be provided. Further, according to an eighth aspect of the present invention,
The computer-readable recording medium stores the computer
Receive the user information from the IC card at the time of payment
Before the payment request including the user information and the payment amount information.
To the bank host, and the bank host
The payment amount from the user's account specified by the user information
BANKPO confirms the deduction online
S payment means and the payment amount from the IC card at the time of payment
Electronic money support that receives and stores considerable electronic money
Payment means; the BANKPOS payment means;
Payment means for selecting one of payment means;
Record programs to function as payment terminals
It is characterized by doing.

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 3E044 AA20 BA04 CA06 DA01 DA03 DA05 DA10 DB02 DC05 DE01 DE02 5B049 AA02 BB46 CC39 EE02 EE23 EE28 GG01 5B055 BB10 CB03 KK05 KK16

Claims (16)

[Claims] 1. A bank host for managing a bank deposit account;
A payment terminal for performing payment processing using an IC card that stores user information for identifying a user and electronic money, the payment terminal comprising: Receiving the user information, transmitting a payment request including the user information and the payment amount information to the bank host, wherein the payment amount is deducted from the account of the user specified by the user information. BANKPO confirms online
S payment means; electronic money payment means for receiving and storing electronic money equivalent to the payment amount from the IC card at the time of payment; and payment selection means for selecting one of the BANKPOS payment means and the electronic money payment means. The bank host receives the payment request from the payment terminal, subtracts the payment amount from the user's account specified by the user information included in the payment request, and stores the payment amount. An electronic money system comprising: means for notifying the payment terminal that the deduction has been completed. 2. A bank host for managing a bank deposit account;
An electronic device comprising: a payment terminal that performs a payment process using an IC card that stores user information for identifying a user and electronic money; and a shared center that is installed between the payment terminal and the bank host. In the money system, the payment terminal receives the user information from the IC card at the time of payment, transmits a payment request including the user information and the payment amount information to the joint center, and in the bank host, BANKPOS payment means for confirming online that the payment amount has been deducted from the user's account specified by the user information via the joint center; and electronic money corresponding to the payment amount from the IC card at the time of payment. Receiving and storing the electronic money payment means, and selecting one of the BANKPOS payment means and the electronic money payment means. And a payment selecting unit. The joint center receives the payment request from the BANKPOS payment unit of the payment terminal, and performs payment from a user account specified by the user information included in the payment request. Means for transmitting a payment instruction instructing to deduct the amount to the bank host, wherein the bank host deducts the payment amount from the corresponding user's account in response to the payment instruction from the joint center, An electronic money system comprising: means for notifying the payment terminal via the joint center that the payment amount has been deducted. 3. The electronic money system further comprises a shared center between the payment terminal and the bank host, wherein the shared center includes the user information stored in the IC card, a charge amount, , A charge request is received from the outside, electronic money corresponding to a predetermined amount is issued and transmitted to the requester, and the predetermined amount is calculated from the user's account specified by the user information included in the charge request The electronic money system according to claim 1, further comprising means for requesting the bank host to deduct the payment from the bank host. 4. The joint center receives a charge request including the user information stored in the IC card and a charge amount from outside, issues electronic money corresponding to a predetermined amount, and issues a request. 3. The system according to claim 2, further comprising: means for transmitting to the source and requesting the bank host to deduct the predetermined amount from the account of the user specified by the user information included in the charge request. An electronic money system according to item 1. 5. The electronic money system further comprises an issuing server for issuing the electronic money, and a charging device for charging the electronic money to an IC card, wherein the charging device accepts the IC card. In response to a predetermined external instruction including the charge amount,
Means for transmitting a charge request including the user information acquired from the C card and the charge amount to the issuing server; and receiving the electronic money issued by the issuing server and storing the electronic money in the IC card. In response to the charge request from the outside, the issue server issues electronic money corresponding to a predetermined amount, transmits the electronic money to a request source, and is specified by the user information included in the charge request. The electronic money system according to claim 1 or 2, further comprising means for requesting the bank host to deduct the predetermined amount from the user's account. 6. The payment selecting means in the payment terminal, the payment selection means, when the payment amount is higher than a predetermined amount, the BANKP
Means for selecting an OS payment means, selecting the electronic money payment means when the payment amount is smaller than the predetermined amount, and selecting the BANKPOS payment means when the payment time is within a predetermined time, Means for selecting the electronic money payment means when the time is outside the predetermined time; and the BAN according to the grade set in the payment terminal.
Means for selecting one of the KPOS payment means and the electronic money payment means; and the BANKPOS payment means and the electronic money payment means according to a grade set in the IC card set in the payment terminal. The electronic money system according to any one of claims 1 to 5, further comprising: means for selecting any one of the following: 7. The payment terminal accepts the IC card and, in response to a predetermined external instruction including a charge amount, includes the user information acquired from the IC card and the charge amount. 5. The apparatus according to claim 3, further comprising: means for transmitting the charge request to the joint center; and charge means for receiving the electronic money issued by the joint center and storing the electronic money in the IC card. Electronic money system as described. 8. The payment terminal, when the electronic money payment means is selected by the payment selection means and the amount of electronic money stored in the IC card is less than the payment amount, the payment center sends the electronic money to the joint center. The electronic money system according to claim 7, further comprising: means for requesting a charge. 9. The payment terminal accepts the IC card and, in response to a predetermined external instruction including a charge amount, includes the user information acquired from the IC card and the charge amount. The apparatus according to claim 5, further comprising: means for transmitting the charge request to the issuing server; and charging means for receiving the electronic money issued by the issuing server and storing the electronic money in the IC card. Electronic money system. 10. The payment terminal, if the electronic money payment means is selected by the payment selection means and the amount of electronic money stored in the IC card is less than the payment amount, the payment server sends the electronic money to the issuing server. The electronic money system according to claim 9, further comprising: means for requesting a charge. 11. The electronic money payment means of the payment terminal further comprises means for transmitting the electronic money received from the IC card to the issuance means collectively. 2. The electronic money system according to claim 1. 12. A cache in a system comprising a bank host for managing a bank deposit account, and a payment terminal for performing payment processing using an IC card for storing user information for specifying a user and electronic money. The payment terminal, wherein the payment terminal selects any one of a first online payment method and a second offline payment method; and When the payment method 1 is selected, a BANKPOS payment step of transmitting a payment request including the user information stored in the IC card and payment amount information from the payment terminal to the bank host; Receiving, at a bank host, the payment request from the BANKPOS payment step; Deducting the payment amount from the user's account specified by the information, and notifying the payment terminal that has transmitted the payment request that the payment amount has been deducted, and the payment selecting step, A cashless transaction method, comprising: when the payment method 2 is selected, the payment terminal receives and stores electronic money corresponding to the payment amount from the IC card. 13. A bank terminal for managing a bank deposit account, a payment terminal for performing a payment process using an IC card for storing user information for specifying a user and electronic money, the bank host, A cashless transaction method in a system including a joint center provided between the payment terminal and a payment terminal, wherein the payment terminal includes a first payment method online and a second payment method offline. A payment selecting step of selecting either one of the following: a payment including the user information and the payment amount information stored in the IC card when the first payment method is selected by the payment selecting step; A BANKPOS payment step for transmitting a request from the payment terminal to the joint center; A payment instruction step of receiving the payment request by the user, and instructing the bank host to deduct the payment amount from the account of the user specified by the user information included in the payment request; and Responding to the instruction in the payment instruction step, deducting the payment amount from the corresponding user's account, and notifying the payment terminal via the joint center that the deduction of the payment amount has been completed; When the second payment method is selected by the selection step, the payment terminal receives electronic money corresponding to the payment amount from the IC card and stores the electronic money. Cashless trading method. 14. The payment selecting step selects the first payment method when the payment amount is higher than a predetermined amount, and selects the second payment method when the payment amount is smaller than the predetermined amount. Selecting the first payment method if the payment time is within a predetermined time, and selecting the second payment method if the payment time is outside the predetermined time; Selecting one of the first payment method and the second payment method in accordance with the grade set in the payment terminal; and the grade set in the IC card set in the payment terminal Selecting at least one of the first payment method and the second payment method according to the following.
Or the cashless transaction method described in 13. 15. A computer comprising: a bank host that manages a bank account; and a payment terminal that performs payment processing using an IC card that stores user information for identifying a user and electronic money. A computer-readable recording medium recording a program for causing the computer to function as the payment terminal in an electronic money system, the computer comprising, upon payment, receiving the user information from the IC card, A BANKPO sends a payment request including payment amount information to the bank host, and confirms online that the payment amount has been deducted from the user's account specified by the user information.
S payment means, functioning as electronic money payment means for receiving and storing electronic money equivalent to the payment amount from the IC card at the time of payment, and payment selection means for selecting one of the BANKPOS payment means and the electronic money payment means A computer-readable recording medium on which a program for causing a computer to record is recorded. 16. A computer comprising: a bank host for managing a bank deposit account; a payment terminal for performing payment processing using an IC card for storing user information for specifying a user and electronic money; A computer-readable recording medium that records a program for causing the computer to function as the payment terminal in an electronic money system including a host and a joint center provided between the payment terminal, the computer comprising: Receiving the user information from the IC card, transmitting a payment request including the user information and the payment amount information to the joint center, and at the bank host, from the user account specified by the user information; BANKPOS payment means for confirming online that the payment amount has been deducted via the joint center; Sometimes, receives the electronic money of the payment amount equivalent from the IC card, storing electronic money payment means, said BANKPOS
A computer-readable recording medium on which a program for causing the computer to function as a payment selecting means for selecting one of a payment means and the electronic money payment means is provided.