JP3766315B2 - Electronic money management system, electronic money management method, and computer program - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an electronic money management system that provides an environment in which electronic money issued independently by a plurality of issuers can be arbitrarily supplemented and used in a store. Here, “electronic money” refers to a digital value representing monetary value, and “issuer” refers to such an electronic money issuing organization (organization, company, etc.).
[0002]
[Prior art]
Electronic money is attracting attention as a mechanism that can deal with small payments that are difficult with a credit card and can reduce the inconvenience of handling cash and the risk of carrying cash. There are various types of usage of such electronic money.
For example, in the case of prepaid electronic money using an IC card, a predetermined amount of electronic money is recorded in advance on the IC card held by the user, and this is used as appropriate at a store (the monetary value represented by the electronic money is converted into cash. Instead, it can be consumed (the same applies hereinafter). The IC card is supplemented with electronic money having a monetary value corresponding to the cash when the user inserts the cash into a dedicated electronic money supplementing device.
IC cards are generally issued for each issuer. Normally, an electronic money replenishing device and an electronic money reducing device for reducing electronic money recorded on an IC card are also installed for each issuer. When issuing an IC card, a unique card ID is assigned to the IC card, and this is managed on the issuer side. The issuer also manages the issuance amount of electronic money issued through the electronic money replenishment device.
[0003]
[Problems to be solved by the invention]
If an IC card is issued for each issuer and an electronic money replenishment device is also installed, there is a disadvantage that the user of electronic money cannot replenish electronic money using an electronic money supplementation device of a different issuer. In addition, stores that receive payment by electronic money, such as department stores, restaurants, and vending machines, require a dedicated electronic money deduction device for each issuer, which increases the cost.
[0004]
The main object of the present invention is to provide a mechanism for facilitating replenishment of electronic money each independently issued by a plurality of issuers.
The main object of the present invention described in claims 2 to 4 is to provide a mechanism for replenishing electronic money each independently issued by a plurality of issuers and facilitating the use of electronic money by a user. .
[0005]
[Means for Solving the Problems]
In order to solve the above-described problems, the present invention provides an electronic money management system, an electronic money management method, and a computer program for performing such a management method using a computer.
[0006]
(1) In invention of Claim 1,
Record medium identification information for identifying itself, electronic money having monetary value, and issuer identification information for identifying the issuer that issued the electronic money from a plurality of issuers that are electronic money issuing organizations. In a portable recording medium
A plurality of electronic money replenishing means for replenishing the indicated monetary value amount of electronic money, an electronic money management system that will be connected via a communication channel,
Receive cash, have rows for any recording medium supplemented electronic money corresponding to the received money, from a plurality of electronic money replenishing means the replenishment is successful, the medium of the recording medium the replenishment Information acquisition means for acquiring a payment log including identification information, issuer identification information and replenishment information of electronic money through the communication path , and storing the acquired payment log in a payment log database ;
For the deposit log acquired by this information acquisition means and stored in the deposit log database, the issuer is identified based on the issuer identification information, and the amount corresponding to the supplemented electronic money is identified based on the supplement information of the electronic money And a deposit counting means for counting the specified amount for each specified issuer using the issuer identification information as a search key ,
Bank of the receive remittances cash received in response replenished from the electronic money replenishing means were to the replenishment of the electronic money, the management entity of the cash electronic money management system for each issuer that is aggregated at the payment aggregator Deposit management means for executing inter-account transactions so as to reach each issuer from the account,
In an electronic money management system.
(2) In the invention described in claim 2,
Receive cash, electronic money corresponding to the received cash issuer identification for identifying the issuer that has issued the electronic money medium identification information for identifying itself from a plurality of issuers are originator of electronic money Media identification information of the recording medium supplemented from a plurality of electronic money supplementing means for supplementing a portable recording medium formed by recording information and electronic money having a monetary value First information acquisition means for acquiring a payment log including issuer identification information and replenishment information of electronic money corresponding to the received cash via a communication path , and storing the acquired payment log in a payment log database When,
Amounts for the first information acquired by the acquisition unit credit log which is stored in the credit log database to identify the issuer based on the issuer identification information, corresponding to the supplemented with electronic money on the basis of the supplement information of the electronic money And a first tabulating unit that tabulates the identified amount for each identified issuer using the issuer identification information as a search key ;
The remittance of cash received corresponding to the replenishment is received from the electronic money replenishment means that replenished the electronic money, and the cash for each issuer counted by the first aggregation means is managed by the electronic money management system A deposit management means for executing inter-account transactions to reach each issuer from the bank account,
The electronic money is reduced from the electronic money reduction means for reducing the electronic money corresponding to the monetary value used by the person who owns the recording medium from the recording medium on which the electronic money having the monetary value is recorded at a predetermined store. Second information acquisition means for acquiring medium identification information, issuer identification information, store identification information for identifying a use source store, and electronic money reduction information recorded on the recorded recording medium;
Of the information acquired by the second information acquiring means, to identify the issuer based on the issuer identification information, to specify the user source store based on the shop identification information, and said reduced based on the reduced information of electronic money A second counting means for specifying a monetary value corresponding to electronic money and totaling the monetary value for each of the specified issuer and store;
The monetary value for each issuer aggregated by the second aggregation means is received from the bank account of each issuer, and the monetary value for each aggregated store is received from the bank account of the management entity of the electronic money management system. Checkout management means for executing inter-account transactions so that it reaches the bank account of the store,
In an electronic money management system.
(3) In the invention of claim 3,
By reading a predetermined computer program on the computer, the computer
Receive cash, electronic money corresponding to the received cash issuer identification for identifying the issuer that has issued the electronic money medium identification information for identifying itself from a plurality of issuers are originator of electronic money Media identification information of the recording medium supplemented from a plurality of electronic money supplementing means for supplementing a portable recording medium formed by recording information and electronic money having a monetary value , A first information acquisition process for acquiring a deposit log including issuer identification information and replenishment information of electronic money corresponding to the received cash via a communication path and storing the acquired deposit log in a deposit log database Run
Amounts for the first acquired by the information acquisition process credit log which is stored in the credit log database to identify the issuer based on the issuer identification information, corresponding to the supplemented with electronic money on the basis of the supplement information of the electronic money And a first tabulation process for tabulating the identified amount for each identified issuer using the issuer identification information as a search key ,
The receiving from the electronic money replenishing means performing the replenishment of electronic money remittance cash received in response to the replenishment, the management entity of the cash for each issuer that is aggregated at the first aggregation processing the electronic money management system Execute a deposit management process to execute inter-account transactions so that each issuer can receive from each bank account,
The electronic money is reduced from the electronic money reduction means for reducing the electronic money corresponding to the monetary value used by the person who owns the recording medium from the recording medium on which the electronic money having the monetary value is recorded at a predetermined store. Executing the second information acquisition process for acquiring the medium identification information, the issuer identification information, the store identification information for identifying the store of the use source and the electronic money reduction information,
Of the information acquired in the second information acquisition process, the issuer is specified based on the issuer identification information, the store of the use source is specified based on the store identification information, and the reduction is made based on the electronic money reduction information. A second tabulation process for identifying the monetary value corresponding to the electronic money and tabulating the monetary value for each of the identified issuers and stores;
The monetary value for each issuer aggregated in the second aggregation process is received from the bank account of each issuer, and the monetary value for each aggregated store is received from the bank account of the management entity of the electronic money management system. Settlement management processing for executing inter-account transactions so as to reach the bank account of the store.
(4) Claim 4
On the computer,
Receive cash, electronic money corresponding to the received cash issuer identification for identifying the issuer that has issued the electronic money medium identification information for identifying itself from a plurality of issuers are originator of electronic money Media identification information of the recording medium supplemented from a plurality of electronic money supplementing means for supplementing a portable recording medium formed by recording information and electronic money having a monetary value , A first information acquisition process for acquiring a deposit log including issuer identification information and replenishment information of electronic money corresponding to the received cash via a communication path and storing the acquired deposit log in a deposit log database When,
Amounts for the first acquired by the information acquisition process credit log which is stored in the credit log database to identify the issuer based on the issuer identification information, corresponding to the supplemented with electronic money on the basis of the supplement information of the electronic money And a first tabulation process for tabulating the identified amount for each identified issuer using the issuer identification information as a search key ,
The receiving from the electronic money replenishing means performing the replenishment of electronic money remittance cash received in response to the replenishment, the management entity of the cash for each issuer that is aggregated at the first aggregation processing the electronic money management system A deposit management process to execute transactions between accounts so that they can reach each issuer from their bank account,
The electronic money is reduced from the electronic money reduction means for reducing the electronic money corresponding to the monetary value used by the person who owns the recording medium from the recording medium on which the electronic money having the monetary value is recorded at a predetermined store. Second information acquisition processing for acquiring medium identification information, issuer identification information, store identification information for identifying a store of use, and electronic money reduction information recorded on the recorded recording medium;
Of the information acquired in the second information acquisition process, the issuer is specified based on the issuer identification information, the store of the use source is specified based on the store identification information, and the reduction is made based on the electronic money reduction information. A second tabulation process for identifying the monetary value corresponding to the electronic money and tabulating the monetary value for each of the identified issuers and stores;
The monetary value for each issuer aggregated in the second aggregation process is received from the bank account of each issuer, and the monetary value for each aggregated store is received from the bank account of the management entity of the electronic money management system. A computer program for executing a settlement management process for executing inter-account transactions so as to reach the bank account of the store.
[0017]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below.
[overall structure]
FIG. 1 is an overall configuration diagram of an electronic money system to which the present invention is applied.
The electronic money system can be realized by a local computer network using a LAN (Local Area Network), an in-house computer network using a dedicated line or a virtual dedicated line, a global network using a wide area computer network such as the Internet, and the like. In this embodiment, an example of an electronic money system using a global network will be described.
[0018]
In the electronic money system 1 of this embodiment, an electronic money management server 10 which is an example of an electronic money management system is provided on the Internet N, and the electronic money management server 10 receives a deposit management process, a settlement management process, and an information inquiry process. All information processing related to the distribution of electronic money including money and the corresponding monetary value.
The electronic money management server 10 is also provided with an accompanying management mechanism based on the result information of this information processing, for example, a mechanism for collecting, examining, distributing, and counting cash, which is a representative example of monetary value. Yes.
The Internet N includes an issuer server 20 deployed in an electronic money issuer, a deposit terminal device 30 as an example of an electronic money supplement means, a main bank account management computer 40, and a member store terminal device 50 as an example of an electronic money reduction means. Various computer systems (hereinafter referred to as “bank systems”) such as personal use home terminal devices 60, credit systems owned by credit card companies that issued credit cards, and multi-bank transaction systems concluded by banks that issued cash cards ") 70 is connected or connectable.
The term “household terminal device” includes information processing terminals used for personal purposes at business establishments and portable terminals such as PDAs.
The deposit terminal device 30, the member store terminal device 50, and the home terminal device 60 are installed at a plurality of locations as necessary, and can be increased or decreased as appropriate.
[0019]
The issuer server 20 is deployed in each of a plurality of issuers, and manages the amount of electronic money issued by the issuer and other information related to electronic money.
However, since the present invention can be implemented as long as cash payment for issuing electronic money can be managed, the form of management of electronic money may be arbitrary.
In addition to electronic money, each issuer issues a user card, which is an example of a portable recording medium on which an IC chip is mounted, for example, a recording medium for recording the electronic money.
In principle, one user card is issued from one issuer. However, in implementing the present invention, it is not necessary for all issuers to issue their own user cards, and a single user card issued by any issuer may be used. The user card only functions as a so-called electronic wallet that only records electronic money, and it is only necessary to record an issuer ID for identifying the issuer of the electronic money when making a transaction using the electronic money. Even one user card is sufficient.
[0020]
The payment terminal device 30 is a device that replenishes the user card with electronic money based on a refill instruction from a user or the like, and can be used in various places such as a bank, a convenience store, a credit card company, a depositor such as a member store, and the like. Installed. ATMs at banks and credit card companies, and MMKs at convenience stores (multi-function information terminals: multi-function information terminals with multi-functions that combine ATM functions, EC (electronic commerce) and utility bill storage functions), member stores Then, the payment register with a deposit function or the like can be the deposit terminal device 30.
The depositing terminal device 30 replenishes electronic money corresponding to the corresponding monetary value by any of cash input, credit card settlement, and instructions from the electronic money management server 10. When the deposit terminal device 30 is installed by a specific issuer, the issuer ID is recorded on the user card at the time of replenishment. When the depositing terminal device 30 can select an issuer, the issuer ID of the selected issuer is recorded on the user card.
When replenishing electronic money, a card ID, an issuer ID, and electronic money replenishment information are sent to the electronic money management server 10 from the replenishment user card. The electronic money information is a monetary value corresponding to the electronic money (the amount in the case of cash) and other electronic money management information.
When electronic money is replenished by inserting cash, the deposit terminal device 30 is provided with a mechanism for sending the collected cash to a management entity (referred to as an “electronic money management company”) of the electronic money management server 10.
[0021]
The main bank account management computer 40 is a computer that manages a registered account of the main bank of the electronic money management company. The main bank refers to a bank that has an account for accepting cash associated with the issuance and use of electronic money and for settlement of payment. The main bank account management computer 40 is connected to the electronic money management server 10 and performs processing for inter-account transactions such as issuers and stores as necessary.
[0022]
The member store terminal device 50 is a device that accepts payment of a user's price by electronic money, and is installed in a store that can handle electronic money (this is referred to as “member store”). A member store is a store that sells products, various information, digital contents, and provides services.
The member stores are classified into real stores and so-called cyber stores on the Internet. In actual stores, stores with card authentication modules installed, stores with POS, vending machines, etc. (terminals exchange with cards while maintaining security) and terminals without card authentication modules Some stores have an electronic money management server 10 and an MMK that performs online processing (the terminal only has a function of relaying secure exchanges between the center and the user card).
Cyber merchants have sites that end up paying electronic money in the same way when purchasing digital content and goods over the Internet (the terminal only has a function to relay secure exchanges between the center and user cards) And stores that have reservations for tickets and lunch boxes using the Internet, and pay for them at POS registers installed in convenience stores and other stores (where the terminal itself interacts with the card while maintaining security) is there. In this embodiment, it is assumed that payment can be made with electronic money at any form of member store.
[0023]
The home terminal device 60 is, for example, a personal computer (abbreviated as PC) having a bidirectional communication function via a computer network. By connecting an IC card reader / writer and using the IC card reader / writer, The electronic money is supplemented to the user card, or the electronic money recorded on the user card can be used.
[0024]
[User Card]
Here, a user card used in the electronic money system 1 of the present embodiment will be described. As the user card, either a contact type IC card that supplies power and inputs / outputs signals with electrical contacts (contacts) or a non-contact type IC card that does not have an external terminal can be used. As an example of the non-contact type IC card, “FeliCa” (trademark) manufactured and provided by Sony Corporation can be used.
[0025]
FIG. 2 is a diagram illustrating an example of a user card.
The user card UC includes a control unit 1001 configured by a CPU (Central Processing Unit), a ROM (Read Only Memory) 1002, a RAM (Random Access Memory) 1003, and an EEPROM (Electrically Erasable Programmable) formed in an IC chip. having a Only Memory) 1004, and a card communication in tough Esu 1005 formed on a card medium.
Card communication in tough Esu 1005, the electrical contacts in the case of the user card UC is a contact type IC card, an antenna for transmitting and receiving in the case of a non-contact type IC card.
In the EEPROM 1004, as shown in FIG. 3, management information such as identification information B01, file and directory definition information B02, file access key B03, balance data B04 representing the balance of electronic money, and usage history of electronic money Log data B05 (including data related to recovery), user data B06 related to the user, and the like are recorded.
The identification information B01 is composed of 16 digits as shown in FIG. 4. The first four digits identify the issuer ID for identifying the electronic money issuer, and the next four digits identify the organization that issued the card. The card issuer ID and the next eight digits are the serial number unique to the IC card. It is treated as a card ID by a combination of a card issuer ID and a serial number.
[0026]
Next, configuration examples of the terminal devices 20 to 60 and the electronic money management server 10 will be described more specifically.
[Payment terminal device]
As shown in FIG. 5, the deposit terminal device 30 includes a control unit 301, an IC card reader / writer 302 that exchanges data with a user card UC held by the user, a user's cash card and credit A magnetic card reader 303 that reads data from a magnetic recording band (stripes) of a card, a card authentication unit 304 that authenticates the validity of a user card, a cash type determination of the inserted cash, its acceptance and other cash processing Unit 305, printer 306 for printing a receipt as a supplementary record, display unit 307 composed of liquid crystal or CRT, operation unit 308 composed of a keyboard or a touch panel, data storage unit 309 storing information relating to supplementation of electronic money, computer network communication in tough Esu for communicating with an external device Te And a 10.
The control unit 301 reads the information from the user card UC and the user card when the user operates the operation unit 308, the user card UC is mounted on the IC card reader / writer 302, or the card is mounted on the magnetic card reader 303. Controls all operations related to the replenishment of electronic money to the UC. If necessary, a communication path is established between the electronic money management server 10 and necessary information is transferred.
In the data storage unit 309, in addition to the information related to the replenishment of the electronic money, an ID for identifying the deposit terminal device 30 is recorded as a 10-digit number, for example. This ID is a number that is unique to the deposit terminal device 30 and is used by the electronic money management server 10 or the like for the purpose of managing the distribution state of electronic money.
[0027]
[Electronic money management server]
The electronic money management server 10 includes a server main body having a function of performing communication via the Internet N, and a computer program of the present invention that is read by the CPU of the server main body and forms various functions related to electronic money management in the server main body. And realized.
[0028]
FIG. 6 is a configuration diagram of functional blocks formed by the server body reading and executing a computer program.
In this embodiment, a control unit 100 that performs overall control related to electronic money management, a deposit management unit 110 that performs deposit management when replenishing electronic money, and an issuer management that manages information of all issuers that issue electronic money. Unit 120, card information management unit 130 for managing information recorded in the user card UC, member store management unit 140 for managing information of all member stores that can use electronic money, and electronic money received from outside A replenishment instruction management unit 150 that manages replenishment instruction information, a recovery processing unit 160 that restores a user card UC that has not been successfully replenished with electronic money to a normally completed state, and a terminal device authentication unit that authenticates various terminal devices 170, payment management unit 180 performs the settlement process at the time when the electronic money is available, the communication performed between the Internet N control Communication interface 190 that is to be formed.
[0029]
The deposit management unit 110 performs processing related to deposit management when electronic money is replenished, and also has a function of generating a web screen when accepting a replenishment instruction from a user or a third party. In addition, a depositor database (hereinafter abbreviated as “DB”) 111 that stores information on business operators involved in depositing, and a history of depositing for replenishment are linked to information for identifying a user card UC. A deposit log DB 112 for recording. The deposit log is used for the purpose of grasping the utilization status of the user card UC later.
The issuer management unit 120 has an issuer DB 121 for storing registered issuer information, and an electronic money issuance management DB 122 for recording, for each issuer, aggregate data of the used electronic money and the corresponding amount of money. ing.
The card information management unit 130 has a card information DB 131 for storing information of the user card UC supplemented with electronic money or reduced.
The member store management unit 140 has a member store DB 141 for storing information of all member stores that are members of the electronic money system, and a use log DB 142 for storing the fact that electronic money is used. is doing.
The replenishment instruction management unit 150 temporarily stores electronic money instructed to refill a specific user card UC by a third party together with the name of the third party and information that reveals the user card UC to be replenished. For example, and a value granting condition DB 152 that stores, for example, conditions for giving electronic money uniquely determined by the issuer.
The terminal device authentication unit 170 has an encryption DB 171 that stores keys used for encrypted communication.
The settlement management unit 180 includes a settlement log DB 181 that stores the date, amount, store, and the like when electronic money is used for each user card UC and issuer, and a settlement supplier DB 182 that stores information on businesses related to cash settlement, etc. And a bank account DB 183 for accumulating bank accounts and the like of persons (business operators, store managers, etc.) who are the deposit destination or withdrawal destination.
The checkout log is used to grasp and analyze the utilization status of the user card UC afterwards.
[0030]
[Issuer server]
The issuer server 20 is also realized by a server main body having a communication function through the Internet N and a computer program that is read by the CPU of the server main body to form a required function in the server.
Depending on the issuer, it may be possible to provide a service that pays the user a point with cash of the amount of use or a point with equivalent financial value when the use of the electronic money issued by the issuer is recognized. In this case, the simplest management form that only manages the accumulated amount of use of electronic money is possible, but in this embodiment, in order to be able to grasp the distribution status and use history of electronic money, An example in which a money account corresponding one-to-one with the issued user card UC is managed together with the total amount of electronic money issued is given. The money account is used for grasping how much electronic money is currently recorded or used in the user card UC.
Therefore, in this embodiment, as shown in FIG. 7, the issuer server 20 performs control related to the management of electronic money in a centralized manner, and the management of payment results for issued electronic money is performed in the payment log DB 202A. A usage log DB 203A for storing electronic money usage logs, an account DB 205 for storing information for specifying a money account for recording the usage status of electronic money for each user card UC, and a deposit log DB 202A. And a deposit record management unit 202 that manages the use record of electronic money by cooperating with the account DB 205, and a use record management unit that manages the use record of electronic money issued by the use log DB 203A and the account DB 205 in cooperation with the account DB 205. 203 and cash balance management for the issued electronic money and the used electronic money And accounting management unit 204 for the seat DB205 cooperation, so that the function block of a communication in tough Esu 206 for controlling communication with the Internet N can be formed.
[0031]
[Member store terminal]
As shown in FIG. 8, the member store terminal device 50 includes an IC card reader / writer 502 that exchanges information with the user card UC, an IC card authentication unit 503 that authenticates the validity of the user card UC, A printer 504 that prints a receipt as a record, a display unit 505 that is a liquid crystal or CRT, an operation unit 506 that is a keyboard or a touch panel, a storage unit 507 , a communication interface 508 that controls communication via the Internet N, and A clock unit 509 for measuring the current time is provided.
In the storage unit 507 , the ID of the member store terminal device is recorded as, for example, a 10-digit identification number. This ID is a number that is unique to the member store terminal device, and is used by the electronic money management server 10 or the like for the purpose of managing the distribution state of electronic money.
[0032]
[Master bank account management computer, etc.]
The main bank account management computer 40 and the bank etc. system 70 perform deposit processing to the designated account or transfer processing to the designated account according to the request of the electronic money management server 10 or the like.
[0033]
[Home terminal equipment]
As shown in FIG. 9, the home terminal device 60 includes a PC 61 and a dedicated IC card reader / writer 62 that can be connected to the PC 61. As shown in FIG. 9 , an input device such as a keyboard 614 and a mouse 615 and a display device 613 such as a CRT or a liquid crystal display are connected to the PC 61. The PC 61 also stores a control unit 611 that controls the operation in the apparatus, an interface 612 with the IC card reader / writer 62 and the display device 613, an IC card authentication unit 616 for performing card authentication, a program, and the like. A storage unit 617 for storing, a communication interface 618 for connecting to the electronic money management server 10 on the above-described computer network by a subscriber telephone line or an Internet dedicated line, and a web browser for displaying an interface screen on the display device 613 619.
The IC card authenticating unit 616 may be realized by mounting dedicated hardware on the PC 61, or a dedicated program and data supplied from an electronic money management company are read into the storage unit 617, and the control unit 611 performs this operation. This can also be realized by executing. The web browser 619 is also realized by reading commercially available WWW (World Wide Web) site browsing software, for example, “Internet Explorer” provided by Microsoft Corporation into the storage unit 617 and executing it by the control unit 611. Is done.
[0034]
<Operation mode: Electronic money management method>
Next, an example of the operation mode of the electronic money system 1 according to this embodiment will be described. Here, the replenishment form of electronic money, the contents of the deposit management process at the time of replenishment, the use form of electronic money, and the contents of the settlement management process at the time of use will be described.
As a form of replenishing electronic money to the user card UC, it is based on the intention of the user (cash input by the user, cash card or credit card settlement), and according to the intention of a third party other than the user (gift, giveaway, etc.) There is. Moreover, there are an online money replenishment mode and a usage mode, that is, offline and online.
[0035]
[Replenishment of electronic money 1: Offline replenishment]
FIG. 10 shows a conceptual diagram in the case where the electronic money is replenished offline in the form of replenishing electronic money by the user's intention. The offline electronic money replenishment is performed when the user holding the user card UC inserts cash into the cash insertion slot 901 of the nearest deposit terminal 30 or is attached to the magnetic card reader 303 of the deposit terminal 30. By inserting a cash card or a credit card, the user card UC attached to the IC card reader / writer 302 is replenished with the designated amount of electronic money. The user card UC that can use the depositing terminal device 30 is not limited to those issued by the issuer that installed the depositing terminal device 30, and user cards issued by other issuers (Issuer A, Issuer B,...). It may be UC.
[0036]
The processing procedure in the deposit terminal device 30 (control unit 301) in this case is as shown in FIG.
When the user card UC is attached to the IC card reader / writer 302 and an instruction to replenish electronic money is given via the operation unit 308 (S101: Yes, S102: Yes), the control unit 301 displays the IC card reader / writer 302. The identification information B01 recorded in the user card UC is read out through (S103), and the card authentication unit 304 is made to authenticate the validity of the user card UC (S104). Card authentication may be performed only in the deposit terminal device 30, connected to the electronic money management server 10 transmits predetermined information, in the electronic money management server 10 side (the card information management section 130) or an electronic, You may make it carry out by cooperation with the money management server 10 and the said payment terminal device 30. FIG.
If the result of the card authentication is a valid user card UC, the user is prompted to insert cash through the display unit 307. When the insertion of cash is detected (S105: Yes), the amount data representing the amount is sent to the user card UC (S106). In the user card UC, the control unit 1001 adds the amount data transmitted from the depositing terminal device 30 to the electronic money balance in the EEPROM 1004, thereby updating the balance data B04 representing the balance of the electronic money. When the update is normally completed (S107: Yes), the replenished code is recorded on the user card UC (S108). If the update is not completed normally, the backup process is executed (S107: No, S109). The backup process refers to the deposit amount indicated by the amount data sent to the user card UC for replenishment and the user card UC. In this process, the identification information B01 is recorded in a temporary file (not shown). After that, the identification number B01 read from the user card UC that has been successfully updated, the deposit amount, the date and time of deposit, the deposit log including the terminal device ID of the own device (deposit terminal device), and the update has not terminated normally Transmits the information recorded in the temporary file as electronic money supplement information to the electronic money management server 10 through the communication interface 310 (S110).
[0037]
In the process of step S101, when a user card UC that has not been updated normally is loaded, the recovery process is performed. As described above, in the recovery process, when the amount data is sent to the user card UC, but the supplemented data is not recorded on the user card UC due to some trouble, the user card UC is supplemented afterwards. By recording data, already recorded electronic money can be used.
Since the user card UC that requires recovery processing is grasped on the electronic money management server 10 side by the above replenishment information, for example, when such user card UC is recognized during card authentication (S104 above) In response to an instruction from the electronic money management server 10 (recovery processing unit 160), the supplemented data is recorded on the user card UC.
[0038]
In the case of using a cash card or a credit card, the bank account number, the credit card number, etc. are read from the magnetic stripe through the magnetic card reader 303, and the card authentication unit 304 performs credit for the cash card or the credit card. 11 is different from the processing procedure in the case of cash input shown in FIG. The credit is a process of inquiring, for example, the bank 70 such as the validity of the card and whether the amount designated by the user is within the credit limit range. If it is a valid cash card or credit card and the indicated amount is within the range of the credit limit, the banking system 70 returns approval data to the deposit terminal 30. This ends the credit.
Note that the above is an example in which the deposit terminal device 30 is deployed alone in a bank or the like for replenishing electronic money. However, the deposit terminal device 30 may be linked to the affiliated store terminal device 50 and deployed in the affiliated store. . Moreover, the function of the deposit terminal device 30 illustrated in FIG. 5 may be added to the settlement register of the store, and the change generated in the settlement register may be converted into electronic money and replenished to the user card UC.
[0039]
[Electronic money replenishment 2: Online replenishment]
The point when the user replenishes electronic money online will be described. Online replenishment is performed by the user operating the home terminal device 60 having the configuration illustrated in FIG. FIG. 12 is a conceptual diagram of online replenishment.
There are cases where online replenishment is performed through a service site operated by an electronic money depositor, and cases where the electronic money management server 10 causes the user to do so. When replenishing electronic money through the service site, the electronic money is instructed via the screen prepared on the site side, except that the cash is transferred (or transferred) from the depositor to the electronic money management company afterwards. This is almost the same as that performed through the money management server 10.
[0040]
The online replenishment procedure by the electronic money management server 10 is as shown in FIG. That is, when an access from the user is detected, the electronic money management server 10 displays a web screen including various menus on the display device 613 (“user device”) of the home terminal device 60 operated by the user (S201: Yes, S202).
When it is detected that the user has operated the mouse 615 to select the deposit menu from the web screen, the electronic money management server 10 sends out the electronic money management screen data in the HTML format, and manages the electronic money through the web browser 619. A screen is displayed (S203: Yes, S204). On this electronic money management screen, buttons for various services such as a confirmation of balance and transfer of electronic money to other users are displayed in addition to a deposit button for instructing replenishment of electronic money. . Here, it is assumed that the deposit button is selected and the deposit button is clicked by the user. Then, data indicating that there has been an instruction to replenish electronic money is transmitted to the electronic money management server 10.
The electronic money management server 10 recognizes this replenishment instruction, displays a message on the web browser 619 of the home terminal device 60 (PC 61), and prompts the user card UC to be attached to the IC card reader / writer 62 (S206). ). When the user card UC is inserted, the identification information B01 recorded in the user card UC is read through the IC card reader / writer 62, and the IC card authentication unit 616 performs card authentication based on the identification information B01 ( S207). If it is confirmed that the user card UC is valid, a guidance screen for allowing the web browser 619 to input a deposit amount is displayed (S208). The deposit is made by debiting from the bank account of the user or by credit settlement. Therefore, the input of the deposit amount means the input of the bank account or credit card number and the debit amount. When it is detected that the user has input a deposit amount of electronic money using the keyboard 614, the amount data representing the amount is sent to the user card UC via the IC card reader / writer 62, and the balance data B04 is updated (S209). ). On the user card UC side, the control unit 1001 updates the balance data B04 representing the balance of the electronic money by adding the transmitted amount data to the electronic money balance of the EEPROM 1004.
When the update is normally completed, the replenished code is recorded on the user card UC (S210; Yes, S211). If the update has not ended normally, backup processing is executed (S210: No, S212). The backup process is as described above, and may be performed by the home terminal device 60 or may be performed by the electronic money management server 10.
After that, the identification number B01 read from the user card UC that has been successfully updated, the deposit log including the deposit amount, the date and time of deposit, and if the update has not been completed successfully, the information recorded in the temporary file is electronically stored. It is acquired from the home terminal device 60 as money supplement information and stored in the value DB 151 or the like (S213).
[0041]
[Replenishment of electronic money 3: Replenishment by instructions from third parties]
As a mode of replenishing electronic money to the user card UC held by a third party other than the user, there are replenishment by an issuer and replenishment by an individual such as a user's friend or relative.
In replenishment in this case, the issuer server 20 or the deposit terminal device 30 directly accepts a replenishment instruction including the identification information of the person instructing replenishment and the amount to be replenished. It is also possible to transmit only a deposit log including the identification information of the person and the deposit amount. However, here, a supplement instruction from an individual and a supplement instruction from an issuer, a web screen of the electronic money management server 10 and a supplement An example of receiving through the instruction management unit 150 will be given.
[0042]
In the case of replenishment by the issuer, the replenishment instruction management unit 150 supplies the special replenishment requirement uniquely set by the issuer (for example, provision of electronic money for 500 yen for replenishment during the campaign period) and information on the replenishment amount through the issuer server 20 or the like. The supplementary amount information is stored in the value DB 151, and the special supplementary requirement is recorded in the value provision condition DB 152.
In the case of replenishment by an individual, for example, as shown in FIG. 12, the individual can operate by operating the home terminal device 60. In the electronic money management server 10, the personal identification information, the identification information (or user name) of the replenishment user card, and the deposit amount are received by the replenishment instruction management unit 150 and recorded in the value DB 151. Also, cash corresponding to the deposit amount is received from the individual through the bank system 70 (account management computer 40).
When an IC card reader / writer 62 is connected to the personal home terminal device 60 and the individual has a user card UC, the other replenishment destination is transferred by transferring electronic money from the user card UC. It is also possible to replenish electronic money to the user card UC. In this case, the individual is in the same state as online use of electronic money described later.
[0043]
It is detected that a user card UC is attached to any one of the payment terminal devices 30 (for example, at the time of card authentication), and the user card UC conforms to the special replenishment requirement or the replenishment destination indicated by the above-mentioned individual When the replenishment instruction management unit 150 confirms that the user card is a UC, the replenishment instruction management unit 150 reads the corresponding replenishment amount information from the value DB 151 and notifies it to the payment terminal device 30. As a result, the replenishment amount of electronic money is supplemented to the user card UC through the deposit terminal 30.
[0044]
If a user card UC that is a replenishment destination cannot be detected after a predetermined period of time after receiving a replenishment instruction from a third party and an issuer, the electronic money management server 10 displays the replenishment instruction and the replenishment amount. Reply to the reception source.
Further, in the case of replenishing electronic money by the intention of a third party, the user usually does not know that his / her user card UC is replenished with electronic money. A function of notifying the user corresponding to the unit 150 by e-mail or the like may be added. However, in order to enable such a service, it is necessary to know in advance the mail address of the user who holds the user card UC to be replenished from the third party or the user.
[0045]
[Deposit Management Processing]
Next, a deposit management process when electronic money is actually replenished to the user card UC will be described. The procedure of this process is as shown in FIG. As described above, when electronic money is replenished at the deposit terminal device 30, a deposit log reaches the electronic money management server 10 from the deposit terminal device 30. Also, when a refill instruction is received from an issuer or an individual and executed (when the corresponding user card UC is detected and replenished with electronic money), a part or all of the deposit log is stored in the electronic money management server 10 exists.
Thus, if the replenishment of the electronic Manet over to the user card UC is performed, and that fact, and the information for identifying the user card UC and electronic money issuer replenishment destination, and information indicating the amount of payment Can be grasped in the electronic money management server 10. Therefore, the electronic money management server 10 takes the initiative in performing the deposit management process according to the following procedure.
[0046]
First, when a deposit log is collected by the deposit management unit 110, these are stored in the deposit log DB 112 (S301: Yes, S302). The deposit log DB 112 normally stores a deposit log for one day on the day of transaction. The collected deposit log is subjected to a scrutiny by the deposit manager 110 as necessary, including detection of abnormalities and errors in the deposit terminal device 30, detection of system registration omissions, confirmation of operation or transaction status, and the like.
The card information management unit 130 organizes the detailed contents of the deposit log by the issuer ID, the card issuer ID, and the serial number among the identification information B01 included in the deposit log, and is provided for each user card UC in the card information DB 131. The record includes the deposit amount, the date and time of deposit, and the supplemented terminal device ID (deposit history) (S303).
When these processes are completed, the issuer management unit 120 aggregates or distributes the payment logs by issuer using the issuer ID in the identification information B01 as a search key (S304), and stores the result in the issue management DB 122 (S305).
[0047]
When the aggregation / distribution processing for each issuer is completed, the issuer management unit 120 sends at least information on the deposit amount among the deposit logs for each issuer stored in the issue management DB 122 to the issuer server 20 of the corresponding issuer. Transmit (S306). Further, the main bank account management computer 40 or the bank system 70 is controlled so that the cash corresponding to the deposited payment log reaches the issuer (S307).
In the issuer server 20, when the deposit log is received, the deposit record management unit 202 stores the deposit log in the deposit log DB 202A, and the deposit amount is stored in the money account of the user card UC specified by the identification information B01 included in the deposit log. Deposit money. The payment record management unit 202 searches the account DB 205 to check whether or not the amount corresponding to the payment log is actually transferred from the electronic money management company, and if it is, the processing for payment is completed.
[0048]
In the case where electronic money is replenished to a certain user card UC by the issuer's intention and the replenishment amount is recognized by the issuer, the confirmation processing of the deposit amount by the issuer in the above-described deposit settlement process is as follows. It is not always necessary.
When electronic money is supplemented to the user card UC by the intention of an individual other than the user, the only difference is that the accepted cash or the like is delivered from the electronic money management server 10 to the issuer.
[0049]
As can be understood from the above description, regardless of the issuer's electronic money or from any deposit terminal device 30, what kind of user card UC is the replenishment destination? Even if it is a thing, if electronic money is replenished, a payment log will concentrate on the electronic money management server 10 intensively. Since the cash information corresponding to the supplemented electronic money, the issuer ID, and the card ID are included in the deposit log, the electronic money management server 10 totals the cash used for supplementing the electronic money for each issuer. The collected cash can then be sent to each issuer. In practice, the remittance can be easily performed by transfer using the main bank account management computer 40, the bank system 70, or the like. In this way, it is guaranteed that electronic money has been replenished to the user card UC, and the user can use the user card UC as a prepaid card.
[0050]
[Use of electronic money 1]
Next, a usage form of electronic money, for example, a case in which a user pays electronic money as a price for purchasing a product or enjoying a service will be described. The electronic money is used at the member store as shown in FIG. 15, and is deducted from the user card UC at the member store terminal device 50 provided by the member store. Information on the use of electronic money is collected in the electronic money management server 10.
[0051]
More specifically, the use process is performed according to the procedure shown in FIG.
When the user card UC can be communicated with the IC card reader / writer 502 of the member store terminal device 50, for example, the IC card reader / writer 502 is installed (S401: Yes), for example, a store clerk of the member store uses the operation unit 506. An operation is instructed to start a transaction (S402). The control unit 501 controls the IC card reader / writer 502 to read the identification information B01 from the user card UC (S403), and causes the IC card authentication unit 503 to perform card authentication (S404). When the user card UC is valid, the control unit 501 waits for the usage amount to be input from the operation unit 506. When the usage amount is input from the operation unit 506 (S405: Yes), the control unit 501 controls the IC card reader / writer 502, and balance data recorded in the EEPROM of the user card based on the usage amount. The usage amount is subtracted from (S406), and the storage unit 507 stores the amount, identification information, usage date information, and member store terminal device ID as a usage log (S407). The use date information is acquired from the clock unit 509. Control unit 501, along with storing the predetermined period usage log, electronic money management company and dates that individually determined, and transmits to the electronic money management server 10 via the communication in tough Esu 310 the accumulated usage log (S408 ).
[0052]
[Use of electronic money 2]
An example in which a user uses electronic money in a cyber member store (member store terminal device 50) using the home terminal device 60 will be described. In this case, the user card UC is attached to the IC card reader / writer 62, and the transaction is performed in the same procedure as in the normal online trade. The procedure in this case will be described focusing on the processing procedure of the home terminal device 60 of FIG.
[0053]
The IC card reader / writer 62 of the home terminal device 60 and the user card UC can communicate with each other, for example, the user card UC is mounted on the IC card reader / writer 62 (S501: Yes), and the user instructs the start of the transaction. Then (S502; Yes), the identification information B01 recorded on the user card UC is acquired through the IC card reader / writer 62 and the home terminal device 60 (S501 to S503). The cyber member store (member store terminal device 50) performs the card authentication of the user card UC based on the identification information B01, and when it is confirmed that the card is a valid card, the use amount input and the electronic money A reduction is instructed to the home terminal device 60 (S504).
The home terminal device 60 receives the input of the usage amount, controls the IC card reader / writer 62, and updates the usage amount so as to subtract the usage amount from the balance data recorded on the user card UC. When the update is normally completed, the reduced code is recorded on the user card UC, and a usage log having the same contents as described above is generated. Then, this usage log is sent to the cyber member store (member store terminal device 50).
The cyber member store (member store terminal device 50) stores the acquired use log for a certain period (S506), and uses the communication interface 310 to store the use log that has been stored on a schedule individually determined with the electronic money management company. To the electronic money management server 10 (S507).
[0054]
[Settlement management processing]
As described above, when the user uses electronic money, a usage log is collected in the electronic money management server 10 regardless of which member store uses the electronic money. In the electronic money management server 10 performs a manner settlement management process shown in FIG. 18 on the basis of these usage log.
That is, when the usage log is received, the member store management unit 140 accumulates the usage log in the usage log DB 142 for each predetermined period (S601: Yes, S602). These usage logs are subjected to scrutiny including detection of terminal abnormality or error, detection of system registration omission, confirmation of operation or transaction status, etc. at the member store management unit 140 as necessary.
The card information management unit 130 organizes the usage log by issuer ID, card issuer ID, and serial number in the identification information B01, and records the usage amount, usage date and time, member store terminal device in the record for each user card in the card information DB 131. The ID is stored (S603).
[0055]
Further, the issuer management unit 120 distributes the usage logs by issuer using the issuer ID as a search key, and the member store management unit 140 distributes the usage logs by member store (S604). The usage log for each member store is stored in the usage log DB 142 (S605). Then, at least information on the usage amount is totaled from the usage log distributed by issuer, and this is sent to the issuer server 20 of the corresponding issuer (S606).
[0056]
In the issuer server 20 that has received the information about the usage amount, the usage history management unit 203 stores it in the usage log DB 203A. Further, the usage record management unit 203 withdraws the usage amount from the money account specified by the identification information B01 in the account DB 205 to the cash management unit 204. Then, processing is performed to remit the usage amount to the electronic money management company on a schedule determined individually with the electronic money management company. This remittance process is performed, for example, by the deposit / withdrawal management unit 204 receiving an instruction from the usage record management unit 203 transferring money from the bank account to the main bank account management computer 40 through the bank system 70. . In this way, when it is found that the cash equivalent to the usage amount has been deposited from each issuer to the electronic money management company, the electronic money management server 10 reaches the member store where the electronic money has been used. Thus, cash distribution is controlled (S607). Specifically, for example, according to the usage log for each member store stored in the usage log DB 142 by the payment management unit 180 of the electronic money management server 10, the account management computer 40 of the main bank is passed through the bank system 70. This is done by instructing the transfer from the bank account of each member store to the bank account of each member store so that the cash for the amount used can be delivered to the member store.
[0057]
As can be understood from the above description, regardless of the issuer's electronic money, which is recorded in which user card UC, which merchant (vending machine) Even if the electronic money corresponding to the amount used from the user card UC is reduced, a usage log including information on the issuer ID, card ID and usage amount is stored in the electronic money management server. Concentrate on the 10th.
The electronic money management server 10 aggregates the usage amounts included in these usage logs for each issuer and each member store, and receives and receives cash after usage for the corresponding issuers. Control for inter-account transactions so that cash is delivered to member stores where electronic money is used. In this way, the cash settlement process when electronic money is used is surely performed.
[0058]
In this embodiment, an example in which an IC card is used as a recording medium for recording electronic money is shown. However, another card medium having an IC chip having a recording area, for example, a hybrid card is used. It goes without saying. In addition, a mobile phone, a wristwatch, or other portable IC chip mounting medium in which such an IC chip is accommodated can be used. These IC chips are issued for each issuer.
The present embodiment can also be configured as follows.
(1) The electronic money management system of this embodiment is directed to a portable recording medium that records medium identification information for identifying itself and issuer identification information for identifying an issuer of electronic money. A system connected via a communication path to one or more electronic money supplementing means for supplementing electronic money for monetary value,
Information acquisition means for acquiring the medium identification information, issuer identification information and electronic money supplement information of the recording medium as the supplement destination from any one of the electronic money supplement means through the communication path, and information obtained by the information acquisition means Among them, the issuer is identified based on the issuer identification information, the monetary value corresponding to the electronic money to be replenished is identified based on the replenishment information of the electronic money, and this monetary value is tabulated for each identified issuer, And a deposit management means for delivering the aggregated monetary value to the corresponding issuer.
“Electronic money supplement information” refers to information for identifying the fact of supplement and its monetary value. With the electronic money management system having such a configuration, it is possible to replenish any recording medium even with different electronic money for each issuer and to ensure that the replenished electronic money can be used. .
(2) The instruction to replenish electronic money is usually given by a person who holds the recording medium, but may be given by other persons. Further, the electronic money replenishing means may accept the instruction directly, but the electronic money management system side accepts the replenishment instruction accepting means for accepting the electronic money replenishment instruction and the monetary value corresponding to the electronic money. A replenishment instruction management means for sending electronic money for a monetary value to an electronic money replenishment means capable of replenishing electronic money to a recording medium as a replenishment destination may be provided.
(3) Another electronic money management system according to the present embodiment records medium identification information for identifying itself, issuer identification information for identifying an issuer of electronic money, and electronic money having a monetary value. It is a system that is connected via a communication channel to one or more electronic money reduction means for reducing electronic money for the monetary value used by a person who owns the recording medium from a portable recording medium at a predetermined store. The medium identification information recorded on the recording medium, the issuer identification information, the store identification information for identifying the store of use, and the electronic money reduction information are acquired from any electronic money reduction means through the communication channel. Out of the information acquired by the information acquisition means and the information acquisition means, identify the issuer based on the issuer identification information and use it based on the store identification information The original store is identified, the monetary value is identified based on the electronic money reduction information, and the monetary value is aggregated for each of the identified issuers and stores. And a checkout management means for delivering to and from the store.
“Electronic money reduction information” refers to information for identifying the fact of reduction and its monetary value. With the electronic money management system having such a configuration, even if the electronic money is different for each issuer, it can be reduced from any electronic money reduction means, and the monetary value of the reduced electronic money can reach the store. Can be guaranteed.
(4) Another electronic money management system according to the present embodiment instructs a portable recording medium in which medium identification information for identifying itself and issuer identification information for identifying an issuer of electronic money are recorded. First information acquisition means for acquiring medium identification information, issuer identification information, and electronic money supplement information of the recording medium as a supplement destination through electronic money supplement means for supplementing electronic money for the monetary value that has been made;
Recorded on the recording medium through electronic money reduction means for reducing the electronic money corresponding to the monetary value used by a person holding the recording medium from the recording medium on which the electronic money having a monetary value is recorded Second information acquisition means for acquiring medium identification information, issuer identification information, store identification information for identifying a store of use source, and electronic money reduction information;
Among the information acquired by the first information acquisition means, the issuer is specified based on the issuer identification information, and the monetary value corresponding to the electronic money to be replenished based on the replenishment information of the electronic money is specified and the monetary value For each identified issuer, and deposit management means for delivering the aggregated monetary value to the corresponding issuer;
Among the information acquired by the second information acquisition means, the issuer is specified based on the issuer identification information, the store of the use source is specified based on the store identification information, and the monetary value is calculated based on the reduction information of the electronic money. And a checkout management means for identifying and summing up the monetary value for each of the identified issuers and stores, and transferring the aggregated monetary value between the issuer and the store. And
With the electronic money management system having such a configuration, even if electronic money differs for each issuer, it can be supplemented to an arbitrary recording medium, and can be reduced from any electronic money reduction means. In addition, the supplemented electronic money can be used, and it can be ensured that the monetary value of the reduced electronic money reaches the store.
In such an electronic money management system, at least one of the deposit management means and the settlement management means causes the transfer of the monetary value by controlling the distribution of the monetary value, for example, transactions between accounts of a predetermined financial institution. You may make it comprise so. Further, the above-described replenishment instruction receiving means and replenishment instruction management means may be further provided.
(5) An instruction to replenish electronic money is given through a communication terminal connected to a medium reader / writer for transferring information to and from the replenishment destination recording medium and performing communication via a predetermined communication path. The electronic money replenishment means performs replenishment of electronic money to the recording medium and reading of medium identification information and issuer identification information from the recording medium through a medium reader / writer, as well as electronic money replenishment information, the medium The identification information and the issuer identification information may be configured to be output through the communication path.
Alternatively, an instruction to replenish electronic money is made through a first communication terminal that performs communication through a predetermined communication path, and the electronic money supplementing means performs supplementation of electronic money to the recording medium and recording of the electronic money. Through a second communication terminal connected to a medium reader / writer for transferring information to and from the recording medium for reading medium identification information and issuer identification information from the medium and performing communication via the communication path In addition, the electronic money supplement information, the medium identification information, and the issuer identification information may be output through the communication path. That is, the communication terminal that gives an instruction for replenishment may be different from the communication terminal to which a medium reader / writer for actually replenishing electronic money is connected.
Further, the electronic money is used through a communication terminal that is connected to a medium reader / writer for transferring information to and from the recording medium on which the electronic money is recorded and performs communication through a predetermined communication path. Thus, the electronic money reduction means performs the reduction of the electronic money from the recording medium and the reading of the medium identification information and the issuer identification information from the recording medium through the medium reader / writer, and the electronic money reduction information. The store identification information, the medium identification information, and the issuer identification information may be configured to be output through the communication path.
(6) Electronic money replenishment means may be added to the settlement register of the store so that change generated in the settlement register can be converted into electronic money and supplemented to the recording medium. In this way, electronic money can be spread more generally by utilizing the advantages of electronic money that can handle a small monetary value.
(7) When electronic money is replenished to a recording medium, it may not always be known whether replenishment (recording) has been completed normally. This is especially true when electronic money is replenished via a communication channel. In view of this, a recording medium that is not normally replenished is provided with a recovery management means for performing a recovery process, that is, a process for restoring the recording medium to a normally completed state.
(8) An electronic device that includes a history management unit that records the replenishment history of electronic money to a recording medium and the usage history of electronic money from the recording medium in association with the medium identification information, and can grasp the utilization status of the recording medium A money management system may be used.
(9) The above-described replenishment instruction accepting unit accepts an instruction to replenish electronic money from a third party other than the person who holds the replenishment destination recording medium. When the monetary value corresponding to money is held together with the name of the third party and the medium identification information of the specific recording medium, the electronic money replenishment means capable of replenishing the specific recording medium is specified. The stored electronic money may be supplemented to the recording medium. In this case, the third party shall be the issuer, and an instruction to replenish electronic money for the predetermined monetary value issued by the issuer shall be issued to the recording medium that meets the conditions established by the issuer. Also good. When an electronic money replenishment instruction from a third party is received, a message management means for sending a predetermined message to a person who holds a specific recording medium is further provided.
(10) The electronic money management method according to the present embodiment reads a predetermined computer program on a computer, so that the computer identifies medium identification information for identifying itself and issuer identification information for identifying an issuer of electronic money. The medium identification information, issuer identification information, and electronic money of the recording medium that is the replenishment destination through the electronic money replenishment means that replenishes the designated monetary value of electronic money to the portable recording medium A first information acquisition process for acquiring supplementary information;
Recorded on the recording medium through electronic money reduction means for reducing the electronic money corresponding to the monetary value used by a person holding the recording medium from the recording medium on which the electronic money having a monetary value is recorded Second information acquisition processing for acquiring medium identification information, issuer identification information, store identification information for identifying a store of use source, and electronic money reduction information;
Among the acquired information, the issuer is identified based on the issuer identification information, the monetary value corresponding to the electronic money to be supplemented is identified based on the electronic money information, and this monetary value is aggregated for each identified issuer. Deposit management processing to deliver the aggregated monetary value to the relevant issuer;
Among the acquired information, the issuer is specified based on the issuer identification information, the store of the use source is specified based on the store identification information, the monetary value is specified based on the information of the electronic money and the monetary value is determined. The settlement management processing is performed for each of the identified issuers and stores, and for transferring the aggregated monetary value between the corresponding issuers and the corresponding stores,
An environment is constructed in which electronic money managed independently by each of a plurality of issuers can be supplemented by an arbitrary electronic money supplementing means and can be reduced by an arbitrary electronic money reduction means.
(11) A computer program according to the present embodiment is a computer program for causing a computer to execute each process in the electronic money management method, and is realized by being recorded on a computer-readable recording medium. It is.
[0059]
【The invention's effect】
As is clear from the above description , according to the present invention described in claim 1, it is possible to replenish the recording medium with electronic money regardless of which issuer issued electronic money.
According to the present invention as set forth in claims 2 to 4, it is possible to replenish the recording medium with electronic money or use the replenished electronic money, regardless of which issuer issued the electronic money. become.
[Brief description of the drawings]
FIG. 1 is an overall configuration diagram of an electronic money system according to an embodiment of the present invention.
FIG. 2 is a configuration diagram of a user card as an example of a recording medium.
FIG. 3 is a diagram showing an example of information recorded in an EEPROM of a user card.
FIG. 4 is an explanatory diagram of the structure of identification information.
FIG. 5 is a functional configuration diagram of a deposit terminal device.
FIG. 6 is a functional configuration diagram of an electronic money management server.
FIG. 7 is a functional configuration diagram of the issuer server.
FIG. 8 is a functional configuration diagram of a member store terminal device.
FIG. 9 is a functional configuration diagram of a home terminal device.
FIG. 10 is a conceptual diagram of an electronic money replenishment mode offline.
FIG. 11 is a processing procedure diagram during off-line replenishment.
FIG. 12 is a conceptual diagram of an online electronic money replenishment mode.
FIG. 13 is a processing procedure diagram during online replenishment.
FIG. 14 is an explanatory diagram of a procedure of deposit management processing by the electronic money management server.
FIG. 15 is a conceptual diagram of how electronic money is used.
FIG. 16 is an explanatory diagram illustrating a procedure of use processing in a member store terminal device.
FIG. 17 is an explanatory diagram illustrating a procedure of use processing in a home terminal device.
FIG. 18 is an explanatory diagram of a procedure of a settlement management process by the electronic money management server.
[Explanation of symbols]
1 electronic money system 10 electronic money management server 110 deposit management unit 120 issuer management unit 130 the card information management unit 140 merchant management unit 150 replenishment instruction management unit 160 recovery processing unit 170 terminal authentication unit 180 payment management unit 190 communicating in tough Esu 20 Issuer server 201 Control unit 202 Deposit result management unit 203 Use result management unit 204 Cash management unit 205 Account DB
30 payment terminal device 302 IC card reader-writer 310 communicate in tough Esu 40 trunk bank account management computer 50 merchant terminal 502 IC card reader-writer 508 communicate in tough Esu 60 home terminal apparatus
62 IC card reader / writer 70 Banking system UC User card

Claims (4)

Record medium identification information for identifying itself, electronic money having monetary value, and issuer identification information for identifying the issuer that issued the electronic money from a plurality of issuers that are electronic money issuing organizations. a portable recording medium comprising: a plurality of electronic money replenishing means for replenishing the electronic money monetary value amount that is instructed, an electronic money management system that will be connected via a communication channel,
Receive cash, have rows for any recording medium supplemented electronic money corresponding to the received money, from a plurality of electronic money replenishing means the replenishment is successful, the medium of the recording medium the replenishment Information acquisition means for acquiring a payment log including identification information, issuer identification information and replenishment information of electronic money through the communication path , and storing the acquired payment log in a payment log database ;
For the deposit log acquired by this information acquisition means and stored in the deposit log database, the issuer is identified based on the issuer identification information, and the amount corresponding to the supplemented electronic money is identified based on the supplement information of the electronic money And a deposit counting means for counting the specified amount for each specified issuer using the issuer identification information as a search key ,
Bank of the receive remittances cash received in response replenished from the electronic money replenishing means were to the replenishment of the electronic money, the management entity of the cash electronic money management system for each issuer that is aggregated at the payment aggregator Deposit management means for executing inter-account transactions so as to reach each issuer from the account,
An electronic money management system comprising: Receive cash, electronic money corresponding to the received cash issuer identification for identifying the issuer that has issued the electronic money medium identification information for identifying itself from a plurality of issuers are originator of electronic money Media identification information of the recording medium supplemented from a plurality of electronic money supplementing means for supplementing a portable recording medium formed by recording information and electronic money having a monetary value First information acquisition means for acquiring a payment log including issuer identification information and replenishment information of electronic money corresponding to the received cash via a communication path , and storing the acquired payment log in a payment log database When,
Amounts for the first information acquired by the acquisition unit credit log which is stored in the credit log database to identify the issuer based on the issuer identification information, corresponding to the supplemented with electronic money on the basis of the supplement information of the electronic money And a first tabulating unit that tabulates the identified amount for each identified issuer using the issuer identification information as a search key ;
The remittance of cash received corresponding to the replenishment is received from the electronic money replenishment means that replenished the electronic money, and the cash for each issuer counted by the first aggregation means is managed by the electronic money management system A deposit management means for executing inter-account transactions to reach each issuer from the bank account,
The electronic money is reduced from the electronic money reduction means for reducing the electronic money corresponding to the monetary value used by the person who owns the recording medium from the recording medium on which the electronic money having the monetary value is recorded at a predetermined store. Second information acquisition means for acquiring medium identification information, issuer identification information, store identification information for identifying a use source store, and electronic money reduction information recorded on the recorded recording medium;
Of the information acquired by the second information acquiring means, to identify the issuer based on the issuer identification information, to specify the user source store based on the shop identification information, and said reduced based on the reduced information of electronic money A second counting means for specifying a monetary value corresponding to electronic money and totaling the monetary value for each of the specified issuer and store;
The monetary value for each issuer aggregated by the second aggregation means is received from the bank account of each issuer, and the monetary value for each aggregated store is received from the bank account of the management entity of the electronic money management system. Checkout management means for executing inter-account transactions so that it reaches the bank account of the store,
An electronic money management system comprising: By reading a predetermined computer program on the computer, the computer
Receive cash, electronic money corresponding to the received cash issuer identification for identifying the issuer that has issued the electronic money medium identification information for identifying itself from a plurality of issuers are originator of electronic money Media identification information of the recording medium supplemented from a plurality of electronic money supplementing means for supplementing a portable recording medium formed by recording information and electronic money having a monetary value , A first information acquisition process for acquiring a deposit log including issuer identification information and replenishment information of electronic money corresponding to the received cash via a communication path and storing the acquired deposit log in a deposit log database Run
Amounts for the first acquired by the information acquisition process credit log which is stored in the credit log database to identify the issuer based on the issuer identification information, corresponding to the supplemented with electronic money on the basis of the supplement information of the electronic money And a first tabulation process for tabulating the identified amount for each identified issuer using the issuer identification information as a search key ,
The receiving from the electronic money replenishing means performing the replenishment of electronic money remittance cash received in response to the replenishment, the management entity of the cash for each issuer that is aggregated at the first aggregation processing the electronic money management system Execute a deposit management process to execute inter-account transactions so that each issuer can receive from each bank account,
The electronic money is reduced from the electronic money reduction means for reducing the electronic money corresponding to the monetary value used by the person who owns the recording medium from the recording medium on which the electronic money having the monetary value is recorded at a predetermined store. Executing the second information acquisition process for acquiring the medium identification information, the issuer identification information, the store identification information for identifying the store of the use source and the electronic money reduction information,
Of the information acquired in the second information acquisition process, the issuer is specified based on the issuer identification information, the store of the use source is specified based on the store identification information, and the reduction is made based on the electronic money reduction information. A second tabulation process for identifying the monetary value corresponding to the electronic money and tabulating the monetary value for each of the identified issuers and stores;
The monetary value for each issuer aggregated in the second aggregation process is received from the bank account of each issuer, and the monetary value for each aggregated store is received from the bank account of the management entity of the electronic money management system. Execute the settlement management process to execute transactions between accounts so that it reaches the bank account of the store,
The electronic money management method characterized by the above-mentioned. On the computer,
Receive cash, electronic money corresponding to the received cash issuer identification for identifying the issuer that has issued the electronic money medium identification information for identifying itself from a plurality of issuers are originator of electronic money Media identification information of the recording medium supplemented from a plurality of electronic money supplementing means for supplementing a portable recording medium formed by recording information and electronic money having a monetary value , A first information acquisition process for acquiring a deposit log including issuer identification information and replenishment information of electronic money corresponding to the received cash via a communication path and storing the acquired deposit log in a deposit log database When,
Amounts for the first acquired by the information acquisition process credit log which is stored in the credit log database to identify the issuer based on the issuer identification information, corresponding to the supplemented with electronic money on the basis of the supplement information of the electronic money And a first tabulation process for tabulating the identified amount for each identified issuer using the issuer identification information as a search key ,
The receiving from the electronic money replenishing means performing the replenishment of electronic money remittance cash received in response to the replenishment, the management entity of the cash for each issuer that is aggregated at the first aggregation processing the electronic money management system A deposit management process to execute transactions between accounts so that they can reach each issuer from their bank account,
The electronic money is reduced from the electronic money reduction means for reducing the electronic money corresponding to the monetary value used by the person who owns the recording medium from the recording medium on which the electronic money having the monetary value is recorded at a predetermined store. Second information acquisition processing for acquiring medium identification information, issuer identification information, store identification information for identifying a store of use, and electronic money reduction information recorded on the recorded recording medium;
Of the information acquired in the second information acquisition process, the issuer is specified based on the issuer identification information, the store of the use source is specified based on the store identification information, and the reduction is made based on the electronic money reduction information. A second tabulation process for identifying the monetary value corresponding to the electronic money and tabulating the monetary value for each of the identified issuers and stores;
The monetary value for each issuer aggregated in the second aggregation process is received from the bank account of each issuer, and the monetary value for each aggregated store is received from the bank account of the management entity of the electronic money management system. Settlement management processing to execute inter-account transactions so that it reaches the bank account of the store,
A computer program for running.

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