JP4518224B2 - Electronic money settlement system, store terminal device, electronic money management unit, and electronic money settlement method for electronic money management unit - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
  The present inventionElectronic money settlement system, store terminal device, electronic money management unit, and electronic money settlement method for electronic money management unitFor example, the present invention is suitable for application to a digital broadcast conditional access system designed to allow limited viewing of paid digital broadcast programs.
[0002]
[Prior art]
2. Description of the Related Art In recent years, electronic money systems that store electronic money in an IC card or the like and can purchase goods and enjoy services while consuming the money are being put into practical use.
[0003]
Such an electronic money system is a system in which a dedicated terminal device installed in each store is connected online with a management center, and the payment of electronic money made by each terminal device is collectively managed in the management center.
[0004]
[Problems to be solved by the invention]
However, in such an electronic money system, it is assumed that each terminal device is connected online with the management center as described above, and there is a problem that payment for the electronic money cannot be performed offline.
[0005]
Therefore, in such an electronic money system, if it is possible to make payment by offline electronic money, the effort for connecting each terminal device online to the management center is omitted, and the configuration of the entire system is simplified. It is considered possible.
[0006]
In addition, if it can be done in this way, for example, electronic money can be used to pay for viewing a pay broadcast in a general home, so it is considered that the usefulness of such a system can be further improved.
[0007]
  The present invention has been made in consideration of the above points, and can simplify the configuration of the entire system.Electronic money settlement system, store terminal device, electronic money management unit, and electronic money settlement method for electronic money management unitIs to try to propose.
[0008]
[Means for Solving the Problems]
  In order to solve such a problem, in the present invention, a depositing terminal device for depositing an amount using an electronic money card via a predetermined communication line, a fee-based digital broadcast reception fee processing from the deposited amount data, and A store terminal device that holds a transaction log of the purchase amount at the store and an electronic money management unit that performs a settlement process using the transaction log held in the store terminal device are connectedUsing a digital money card that has been processed by the user, the digital broadcast receiving device scrambles the paid digital broadcast and views it.In the electronic money payment system,A first card communication unit that communicates with the electronic money card, a first communication unit that communicates with the electronic money management unit via a communication line, and an input operation unit through which a user inputs information;userIs the input controloperationdo itBy depositing the usage amount into the electronic money card,In advanceDeposit amount and electronic money card identification numberRecord in the storage unit of the deposit terminalA deposit terminal,By attaching an electronic money cardUsing an electronic money carduserSpecified byBroadcast from paid digital broadcasting stationsThe predetermined balance required for viewing paid digital broadcastsElectronic money cardDetermine if there is,Required predeterminedRemainingMoneyIf it is determined that there is an electronic money card, the program will be scrambled for the amount of time corresponding to the balance,The balance recorded inPull fromDropViewing transaction logdataAs a digital broadcast receiver for recording on the electronic money card,A second card communication unit that communicates with the electronic money card, an authentication processing unit that performs authentication processing with the electronic money management unit, and a second communication unit that communicates with the electronic money management unit via a predetermined communication line. By having an electronic money cardRecorded on an electronic money cardingViewing transaction logData usage history dataAnd usage history data of usage amount transaction logs purchased at storesRead and storeStore and electronic money cardStorage partBalance data representing the usage amount balance forUpdate and rememberStore terminal device and a predetermined communication lineAn access server connected to the deposit terminal device and the store terminal device, a security server that authenticates a communication destination when communicating with the deposit terminal device and the store terminal device, a transaction log of the electronic money card, and information on the usage amount When the communication terminal and the store terminal device communicate with the deposit terminal device and the store terminal device at predetermined time intervals, the viewing transaction log and the usage history data held in the deposit terminal device and the store terminal device are predetermined. If the usage amount is based on whether or not it is a usage amount using an electronic money card, the settlement process is executed,In the result of payment processingBased on the paid digital broadcasting station based on the usage amountAn electronic money management department that performs transfer processing toThe user can view the desired pay program by unscrambling the pay digital broadcast simply by attaching the received electronic money card to the digital broadcast receiving device. Pay programs can be viewed without connecting to the electronic money management unit online and charging.
[0018]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.
[0019]
(1) Overall configuration of a digital broadcast conditional access system to which the present invention is applied
In FIG. 1, reference numeral 1 denotes a digital broadcast conditional access system as a whole to which the present invention is applied. An electronic money management unit 3 installed by a card issuer 2 and a broadcasting station 5 that broadcasts a television program via a communication satellite 4. And a television broadcast receiver (IRD: Integrated Receiver Decoder) 6 (6₁ ~ 6_n ) And a plurality of store terminal devices 7 (7) installed in each store contracted with the card issuer 2₁ ~ 7_n ) And a plurality of depositing devices 8 (8) installed by the card issuer 2₁ ~ 8_n ).
[0020]
In the broadcasting station 5, the program data (video data and audio data) of the television programs for a plurality of channels are individually compressed and encoded by the MPEG (Moving Picture Experts Group) method and multiplexed, and then the obtained multiplexing is obtained. Predetermined signal processing such as error correction processing or QPSK (Quadrature Phase Shift Keying) modulation processing is performed on the digitized data, and the television broadcast signal S 1 thus obtained is broadcast via the communication satellite 4. At this time, the broadcasting station 5 scrambles a pay television program (hereinafter simply referred to as a pay program) by performing encryption processing on the program data of the program that has been compression-encoded.
[0021]
The card issuer 2 also has an IC (Integrated Circuit) card 9 (9) in which a predetermined amount of electronic money is stored.₁ ~ 9_n ) And sell them through convenience stores and vending machines. The user of the digital broadcast receiving apparatus 6 purchases the IC card 9 and loads the IC card 9 into the digital broadcast receiving apparatus 6.
[0022]
At this time, the digital broadcast receiving device 6 consumes the electronic money stored in the loaded IC card 9 and cancels the scramble of the pay program for the time corresponding to the remaining amount of the electronic money. Therefore, the user can view the desired pay program for this time.
[0023]
During this time, the digital broadcast receiving apparatus 6 withdraws the corresponding amount of electronic money from the IC card 9 and records a transaction log (Log) representing it on the IC card 9 at predetermined time intervals as a fee for viewing the pay program. To do.
[0024]
The transaction log thus recorded on the IC card 9 is a store terminal device that performs a settlement process when the user pays for the purchase using the IC card 9 at a store where the user contracts with the card issuer 2 thereafter. 7 is read from the IC card 9 and held in the store terminal device 7 together with the transaction log of shopping at this time.
[0025]
And the electronic money management part 3 takes in the transaction log of each IC card 9 hold | maintained at these store terminal devices 7 collectively, for example once a day, makes these into a database, and hold | maintains them. Further, the electronic money management unit 3 performs a settlement process at a rate of, for example, once a month based on the held transaction logs, and transfers an amount corresponding to the processing result to an account of a broadcasting station or each store.
[0026]
In this way, in the digital broadcast conditional access system 1, the user of the digital broadcast receiving device 6 can view the pay program in a prepaid system, and the broadcasting station 5 collects the price via the card issuer 2. Has been made to be able to.
[0027]
The IC card 9 can be additionally charged with electronic money corresponding to a desired amount via the depositing device 8, so that the user can use the IC card 9 repeatedly.
[0028]
(2) Specific configuration of each device
(2-1) Specific configurations of electronic money management unit 3 and IC card 9
Here, as shown in FIG. 2, the electronic money management unit 3 includes a security server 10, an electronic money server 11, an issue data server 12, an issue device 13, a general server 14, and an access server 15 that are connected to a first LAN (Local Area Network). ) 16 is connected. The access server 15 is connected to each store terminal device 7 and each deposit terminal device 8 via the second LAN 17.
[0029]
In this case, the security server 10 includes a general server 14 that is connected to other servers (security server 10, electronic money server 11, issuance data server 13, issuance device 12 and access server 15), each store terminal device 7 or each deposit terminal device 8. At the time of communication, processing such as encryption or decryption of transmitted / received data and authentication of a communication destination is performed.
[0030]
Further, the general server 14 takes in information relating to usage history such as transaction logs of each IC card 9 transferred from each store terminal device 7 or each depositing terminal device 8 via the second LAN 17 via the security server 10, This is stored in a database.
[0031]
The electronic money server 11 performs settlement processing at a rate of, for example, once a month based on the database held by the general server 14, and based on the processing result, the money corresponding to the broadcasting station 5 and each store respectively. Perform the transfer process. Further, the issuing server 13 stores the card number and validity of each IC card 9 issued by the issuing device 12 in a database.
[0032]
On the other hand, as shown in FIG. 3, the IC card 9 issued by the issuing device 12 includes a CPU (Central Processing Unit) 20, a ROM (Read Only Memory) 21 in which various programs are stored, and various types. A RAM (Random Access Memory) 22 in which data is stored and a card communication unit 23 that functions as an interface circuit when the CPU 20 communicates with an external device are provided, and these are connected to each other via a data bus 24. ing.
[0033]
In this case, when data to be stored in the RAM 22 is given by communication with an external device, the CPU 20 fetches the data via the card communication unit 23 and stores the data via the data bus 24 in the designated storage area in the RAM 22. Store in.
[0034]
Further, when a data read command is given by communication with the external device, the CPU 20 reads the designated data from the RAM 22 and outputs it to the external device via the data bus 24 and the card communication unit 23 sequentially.
[0035]
In this manner, the IC card 9 can read and write necessary data to and from the RAM 22 by external control.
[0036]
Here, in practice, the RAM 22 of the IC card 9 includes, as shown in FIG. 4A, an IC card number D11 which is higher-order information of the directory, file and directory definition information D12, a file access key D13 and the like. Management information D10 and electronic money information D20, which is subordinate information of the directory structure, are stored as shown in FIG. The IC card number D11 is an identification number unique to the IC card 9 assigned when the issuing device 12 (FIG. 2) issues the IC card 9.
[0037]
The electronic money information D20 includes balance data D21 representing the balance of electronic money, transaction log data D22 including transaction log data for the past 16 times representing the usage history of the IC card 9, and these correspond to each other. To be written to a file.
[0038]
In this case, the transaction log data D22 is, for example, 32 [bytes] of 12 items as shown in FIG. 5A, and communication specifying information D22 for specifying communication at the time of use with the IC card 9.₁ And log type information D22 indicating the use form of electronic money at that time, such as payment or consumption₂ And date / time information D22 indicating the date / time when the IC card 9 was used._Three Terminal number information D22 including a unique identification number assigned in advance to each digital broadcast receiving device 6, each store terminal device 7 or each deposit terminal device 8 using the IC card 9._Four Transaction amount information D22 representing a transaction (use) amount in the use history_Five And key version information D22 indicating the version of the encryption key of the communication data when the IC card 9 is used.₆ And post-use balance data D22 representing the balance of electronic money in the IC card 9 after the transaction (use)₇ And the communication specification information D22 for the store terminal device 7 or the payment terminal device 8 to specify the communication in the communication between the store terminal device 7 or the payment terminal device 8 and the IC card 9 at the time of the transaction (use).₈ And the above key version information D22₆ Sign information D22 expressed using the key specified by₉ And etc.
[0039]
Each time the IC card 9 is used, the transaction log data D22 is cyclically written into the corresponding storage area in the RAM 22 of the IC card 9 for the past 16 minutes. These are read by the store terminal device 7 or the payment terminal device 8 when shopping with the IC card 9 at a store contracted with the card issuer 2 or when adding electronic money to the IC card 9. It is held in the store terminal device 7 or the payment terminal device 8 together with the transaction log data D22 of shopping or payment at that time.
[0040]
In the store terminal device 7 and the payment terminal device 8, when the transaction log data D22 is held, the card specifying data D22A as shown in FIG. 5B for specifying the IC card 9 used at that time is shown. Is added to each transaction log data D22.
[0041]
This card specifying data D22A is the IC card number D22A of the IC card 9 used at this time.₁ The transaction terminal flag D22A indicating whether or not the transaction log data D22 is written in the IC card 9 is the store terminal device 7 or the deposit terminal device 8₂ And key version information D22A representing the version of the encryption key of the communication data when the transaction log data D22 is held by the store terminal device 7 or the deposit terminal device 8_Three And key version information D22A_Three Sign information D22A expressed using the key specified by_Four It is comprised from.
[0042]
Further, when the IC card 9 is used, the past 16 transaction log data D22 stored in each IC card 9 is held in the store terminal device 7 or the payment terminal device 8 each time, so that the same store terminal If the same IC card 9 is used a plurality of times for the device 7 or the payment terminal device 8, the same transaction log data D22 may be held in the store terminal device 7 or the payment terminal device 8, but in this case the store The terminal device 7 or the depositing terminal device 8 uses the communication identification information D22 of the transaction log data D22.₁ The same transaction log data D22 is abandoned.
[0043]
As a result, in one store terminal device 7 or payment terminal device 8, transaction log data D22 for the past 15 times read from the IC card 7 when the IC card 9 is used, and generated at the time of use. The transaction log data D22 is held without duplication.
[0044]
Furthermore, in this state, the same transaction log data D22 of each IC card 9 is held in a plurality of store terminal devices 7 and deposit terminal devices 8, but in each store terminal device 7 or deposit terminal device 8, Of the same transaction log data D22 stored in a distributed manner, the transaction held in the store terminal device 7 or the payment terminal device 8 used when the transaction log data D22 was generated (when using an IC card) Regarding log data D22, transaction terminal flag D22A of card specific data D22A held together with transaction log data D22.₂ Is standing. Therefore, at the time of settlement processing by the electronic money server 11, these transaction terminal flags D22A₂Only the transaction log data D22 for which is standing is used.
[0045]
In practice, the electronic money server 11 starts the usage history data collection and settlement processing procedure RT1 shown in FIG. 6 once a day at step SP0, and at each subsequent step SP1, each store terminal device 7 or deposit terminal. Each transaction log data D22 and card specific data D22A (hereinafter, a set of transaction log data D22 and card specific data D22A corresponding to the transaction log data D22A held in the device 8 is collectively referred to as usage history data) are referred to as the second LAN 17 ( 2), the access server 15, the first LAN 16 and the security server 10 are fetched together in order, and these are given to the general server 14 for holding.
[0046]
Subsequently, the electronic money server 11 proceeds to step SP2 and determines whether or not settlement has been made at a frequency of once a month. If the electronic money server 11 obtains a negative result in step SP2, the process proceeds to step SP8 to end the usage history data collection processing procedure RT1, whereas if it obtains a positive result in step SP2, the process proceeds to step SP3. The transaction terminal flag D22A of the card specific data D22A (FIG. 5B) among the usage history data held in the general server 14 at₂ The usage history data that stands is sorted as sorted log data.
[0047]
In step SP4, the electronic money server 11 compares the classification log data with other usage history data, and then proceeds to step SP5 to determine whether the other usage history data matches the classification log data. To do.
[0048]
Here, obtaining a negative result in step SP5 means that the transaction log data D22 generated when the IC card 9 is used in either the store terminal device 7 or the deposit terminal device 8 is lost. The electronic money server 11 proceeds to step SP6, sets other usage history data that does not match the classification log data to classification log data, and then proceeds to step SP7. As for the transaction log data D22 lost in this way, the transaction log data D22 read from the IC card 9 when the IC card 9 is used in the other store terminal device 7 or the payment terminal device 8 is substituted.
[0049]
On the other hand, obtaining an affirmative result in step SP5 means that the transaction log data D22 is not lost in any store terminal device 7 or payment terminal device 8, and at this time, the electronic money server 11 performs step SP7. Proceed to
[0050]
Then, the electronic money server 11 executes the settlement process in this step SP7, and in the following step SP8, the amount of money corresponding to the settlement result is transferred to the account of the broadcasting station 5 or each store, and then proceeds to step SP9. The usage history data collection and settlement processing procedure RT1 is terminated.
[0051]
In this way, the electronic money management unit 3 can comprehensively issue the IC card 9 and manage and settle the electronic money as a whole.
[0052]
(2-2) Configuration of the digital broadcast receiver 6
The digital broadcast receiving device 6 has a configuration as shown in FIG. 7, and receives an IF signal S10 that is a reception signal of a television broadcast signal S1 supplied from an LNB (Low Noise Block downconverter) 31 of the parabona antenna 30 in front. Input to end 31.
[0053]
The front end 31 selects the frequency of the received IF signal S10 under the control of the CPU 32, sequentially performs QPSK demodulation processing and error correction processing on the IF signal S10 in the selected frequency band, and obtains the obtained digital signal. The multiplexed signal S11 is sent to the demultiplexer 33.
[0054]
The demultiplexer 33 separates the program data of the television program designated by the user from the supplied digital multiplexed signal S11 under the control of the CPU 32.
[0055]
The demultiplexer 33 is stored in advance in the RAM 22 (FIG. 3) of the IC card 9 when the television program is a pay program (that is, when the program data of the television program is encrypted). The decryption key and the decryption program are read via the card interface unit 34, and the program data is decrypted using them.
[0056]
Further, the demultiplexer 33 sends the digital video signal S12V of the program data thus obtained to the MPEG video decoder 35 and sends the digital audio signal S12A to the MPEG audio decoder 36, while these digital video signal S12V and digital audio are sent. The signal S12A is sent to an IEEE (Institute of Electrical and Electronic Engineers) 1394 interface unit 37.
[0057]
The MPEG video decoder 35 decodes the supplied digital video signal S12V compressed and encoded by the MPEG method using a memory 35A having a DRAM (Dynamic Random Access Memory) configuration, and converts the obtained analog video signal S13V to NTSC ( National Television System Committee)
[0058]
The NTSC encoder 38 converts the supplied analog video signal S13V into NTSC luminance signal (Y) S14Y, chroma signal (C) S14C, and composite signal S14CON, and these are converted to an analog TV via an analog video output terminal (not shown). It is output to an external analog AV (Audio Video) device 40 connected to the analog video output terminal such as a John receiver or an analog video tape recorder.
[0059]
Also, the MPEG audio decoder 36 decodes the supplied digital audio signal S12A compressed and encoded by the MPEG system using the DRAM-configured memory 36A, and supplies the obtained digital audio signal S13A to the digital / analog converter 39. Send it out.
[0060]
The digital / analog converter 39 performs digital / analog conversion processing on the supplied digital audio signal S13A, and analog audio signals S15L and S15R of the left (L) and right (R) channels obtained are not shown. Output to the analog AV device 40 via the output terminal.
[0061]
On the other hand, the IEEE 1394 interface unit 37 receives a digital video signal S12V and a digital audio signal S12A supplied from the demultiplexer 33 in a format according to the IEEE 1394 standard via a digital output terminal (not shown), and a magneto-optical disk device (MD: Mini Disc). Or output to an external digital AV device 41 connected to the digital output terminal such as a digital video tape recorder, a hard disk recorder, or a digital television receiver.
[0062]
In this way, the digital broadcast receiving apparatus 6 can output the video and audio of the television program designated by the user as an analog signal or a digital signal, so that the user can view the desired television program. Has been made.
[0063]
Here, such a digital broadcast receiver 6 (6₁ ~ 6_n 8) is performed according to the reception processing procedure RT2 shown in FIG. 8 under the control of the CPU 32 using the RAM 43 as a work memory based on the program stored in the flash memory 42.
[0064]
In practice, when one channel is designated by operating the operation panel 44 by the user, the CPU 32 starts this reception processing procedure RT2 at step SP10, and is designated by controlling the front end 31 at the subsequent step SP11. While the channel is selected, the television program broadcast on the designated channel is determined based on the information on whether or not the television program of the channel given from the demultiplexer 33 is scrambled. It is determined whether the program is a pay program.
[0065]
If the CPU 32 obtains a negative result in step SP11, it proceeds to step SP12 to control the demultiplexer 33 and the like to perform reception processing of the television program, and then returns to step SP11. If it is obtained, the process proceeds to step SP13 to determine whether or not the IC card 9 is loaded by communicating with the card interface unit 34.
[0066]
If the CPU 32 obtains a negative result in this step SP13, it proceeds to step SP14 to blink an indicator (not shown) or display a warning screen on a display such as a television receiver connected to the digital broadcast receiving device 6. Or a warning sound is emitted from a speaker of the television receiver or the like to request the user to load the IC card 9, and then the process returns to step SP11.
[0067]
On the other hand, if the CPU 32 obtains a positive result in step SP13, the CPU 32 proceeds to step SP15 and controls the card interface unit 34, so that it is stored in the RAM 22 from the RAM 22 (FIG. 3) of the loaded IC card 9. Various information such as management information D10 and electronic money information D20 (FIG. 4) are read out, and then the process proceeds to step SP16, and the IC card 9 is properly registered based on the read management information D10 and electronic money information D20. It is judged whether it is a thing.
[0068]
If the CPU 32 obtains a negative result in step SP16, it proceeds to step SP17 to blink such an indicator (not shown) or display a warning screen on a display such as a television receiver connected to the digital broadcast receiving device 6. Or a warning sound is emitted from a speaker of the television receiver or the like to notify the user that the IC card 9 is illegal and then the process returns to step SP11.
[0069]
In contrast, if the CPU 32 obtains a positive result in step SP16, the process proceeds to step SP18, and based on the remaining amount data D21 (FIG. 4B) in the electronic money information D20 read from the IC card 9 in step SP15. Then, it is determined whether or not the remaining amount of the electronic money deposited in the IC card 9 is equal to or more than a predetermined unit amount necessary for viewing the pay program designated by the user.
[0070]
If the CPU 32 obtains a negative result in step SP18, the CPU 32 proceeds to step SP19 to blink such an indicator (not shown) or display a warning screen on a display such as a television receiver connected to the digital broadcast receiving device 6. Or a warning sound is emitted from a speaker of the television receiver or the like to notify the user that there is no remaining electronic money, and the process returns to step SP11.
[0071]
On the other hand, when the CPU 32 obtains a positive result in step SP18, the CPU 32 proceeds to step SP20 and withdraws the electronic money for the predetermined unit amount described above from the IC card 9 via the card interface unit 34 (FIG. 7). The transaction log data D22 at this time is written in the RAM 22 (FIG. 3) of the IC card 9.
[0072]
Further, the CPU 32 thereafter proceeds to step SP21 to control the demultiplexer 33 and the like, thereby causing the program data of the television program broadcast on the channel to be decoded, and then returns to step SP11.
[0073]
The CPU 32 then operates the operation panel 44 to stop the viewing of the television program, or until the remaining amount of electronic money stored in the IC card 9 becomes less than the predetermined unit amount. Steps SP11 to SP21 are repeated in a cycle.
[0074]
In this way, in the digital broadcast receiving apparatus 6, the scramble applied to the pay program is canceled for the time corresponding to the remaining amount of electronic money stored in the IC card 9.
[0075]
Note that steps SP11 to SP21 of the reception processing procedure RT1 shown in FIG. Therefore, the pay program can be viewed on a trial basis without paying a fee at a time shorter than this period.
[0076]
(2-3) Configuration of store terminal device 7
On the other hand, in each store terminal device 7, as shown in FIG. 9, mutual authentication processing is performed when communicating with the CPU 50, the storage unit 51 including the ROM, RAM, and hard disk device, and the electronic money management unit 3. A card communication unit 54 that communicates with the authentication unit 52, the timer 53, and the IC card 9, a display unit 55 that includes a liquid crystal panel, an operation unit 56 that includes various operation buttons, and electronic money. The communication unit 57 functions as an interface when communicating with the management unit 3.
[0077]
In the store terminal device 7, the CPU 50 is configured to execute payment processing such as shopping using an IC card according to the IC card payment processing procedure RT3 shown in FIG.
[0078]
That is, in a state where the card communication unit 54 and the IC card 9 can communicate with each other, the CPU 50 starts the card settlement processing procedure RT3 in step SP30 when the operation unit 56 is operated by the store clerk and a transaction start operation command is input. In step SP31, the management information D10 and the electronic money information D20 (FIGS. 4A and 4B) are read from the IC card 9 via the card communication unit 54.
[0079]
And CPU50 produces | generates card specific data D22A with respect to each transaction log data D22 contained in the electronic money information D20 obtained at this time, and each utilization log | history which consists of these transaction log data D22 and corresponding card specific data D22A Data is stored in the storage unit 51. At this time, if the same usage history data is already stored in the storage unit 51 as described above, the CPU 50 discards the usage history data.
[0080]
In addition, when a price (usage amount) for shopping or the like is then input via the operation unit 56, the CPU 50 proceeds to step SP32 and balance data of the electronic money information D20 read from the IC card 9 in step SP31. Based on D21 (FIG. 4B), it is determined whether or not the balance of the electronic money stored in the RAM 22 (FIG. 3) of the IC card 9 is larger than the usage amount at that time.
[0081]
If the CPU 50 obtains a negative result in this step SP32, it proceeds to step SP33 to display on the display unit 55 that the balance of electronic money is insufficient, and then proceeds to step SP36 to end this card settlement processing procedure RTR3. .
[0082]
On the other hand, if the CPU 50 obtains a positive result in step SP32, it proceeds to step SP34, and transaction log data D22 (FIG. 5A) representing the transaction at this time, and a transaction terminal flag D22A.₂ Is generated and stored in the storage unit 51 of the store terminal device 7.
[0083]
Further, in the subsequent step SP35, the CPU 50 stores the transaction log data D22 in the RAM 22 of the IC card 9, while the value of the remaining amount data D21 (FIG. 4B) representing the remaining amount of electronic money stored in the RAM 22. Is updated to a value obtained by subtracting the use amount at this time from the original remaining amount, and thereafter, the process proceeds to step SP36 to end the card settlement processing procedure RT3.
[0084]
In this way, the store terminal device 7 performs settlement when the user performs shopping or the like using the IC card 9, and holds the transaction log data D22 and the card specifying data D22A at that time. ing.
[0085]
(2-4) Configuration of deposit terminal 8
In the depositing terminal device 8, as shown in FIG. 11, a CPU 60, a storage unit 61 including a ROM, a RAM, a hard disk device, and the like, and a mutual authentication unit 62 that performs an authentication process when communicating with the electronic money management unit 3 are performed. A cash input unit 63 that accepts cash input, a receipt sweep unit 64 that sweeps out receipts that are not used, a card communication unit 65 that communicates with the IC card 9, and a display unit 66 that includes a liquid crystal panel or the like. And an operation unit 67 for inputting information necessary for the user, and a communication unit 68 functioning as an interface when communicating with the electronic money management unit 3.
[0086]
The depositing terminal device 8 is capable of depositing additional electronic money into the IC card 9 under the control of the CPU 60 in accordance with the electronic money depositing processing procedure RT4 shown in FIG.
[0087]
That is, when the IC card 9 is loaded in a card loading slot (not shown) and the operation unit 67 is operated to input a deposit start command, the CPU 60 starts the electronic money deposit processing procedure RT4 in step SP40, and the following steps In SP41, the management information D10 and the electronic money information D20 are read from the IC card 9.
[0088]
And CPU60 produces | generates card specific data D22A with respect to each transaction log data D22 contained in the electronic money information D20 obtained at this time, and each utilization log | history which consists of these transaction log data D22 and corresponding card specific data D22A Data is stored in the storage unit 61. At this time, if the same usage history data is already stored in the storage unit 61 as described above, the CPU 60 discards the usage history data.
[0089]
Subsequently, the CPU 60 proceeds to step SP42 to control the cash input unit 63 to open the input lid (not shown), and then proceeds to step SP43 to allow the user to input cash into the cash input unit 63. Await. Then, when the user eventually inserts cash into the cash input unit 63, the CPU 60 proceeds to step SP44 to control the cash input unit 63 to count the amount of cash inserted, and display the counting result on the display unit 66.
[0090]
Further, when the user operates the operation unit 67 in this state and inputs that the counting result is correct, the CPU 60 proceeds to step SP45 and displays transaction log data D23 representing the transaction at this time (FIG. 5A). Trading terminal flag D22A₂ Card specific data D <b> 22 </ b> A (FIG. 5B) that stands up is generated and stored in the storage unit 61 in the store terminal device 7.
[0091]
Further, in the following step SP46, the CPU 60 stores the transaction log data D22 in the RAM 22 of the IC card 9, while the value of the remaining amount data D21 (FIG. 4B) indicating the remaining amount of electronic money stored in the RAM 22. Is updated to a value obtained by adding the deposit amount at this time from the original remaining amount, and thereafter, the process proceeds to step SP47 to end the electronic money deposit processing procedure RT4.
[0092]
In this way, the deposit terminal 8 executes the electronic money deposit process for the IC card 9 according to the user's operation, and holds the transaction log data D22 and card specific data D22A at that time. Yes.
[0093]
(3) Operation and effect of the present embodiment
In the above configuration, the digital broadcast receiving apparatus 6 performs a receiving process for a pay program while consuming electronic money from the loaded IC card 9 at a predetermined cycle, and stores the transaction log data D22 at this time in the IC card 9 sequentially. To do.
[0094]
Then, the transaction log data 22 stored in the IC card 9 is read out by the store terminal device 7 when the IC card 9 is used in a store contracted with the service provider 2, and finally the electronic money management is performed. Collected in part 3. Then, the electronic money management unit 3 performs a settlement process based on the transaction log data D22 collected in this way, and transfers the amount based on the settlement result to the account of the broadcasting station 5 or each store 7.
[0095]
Therefore, according to the digital broadcast conditional access system 1, the user of the digital broadcast receiving device 6 can use electronic money offline, and the time required for online connection of the digital broadcast receiving device 6 to the electronic money management unit 3 accordingly. Can be omitted.
[0096]
Further, according to the digital broadcast limited reception system 1, the broadcasting station 5 does not require a customer management system for digital limited broadcast and the user can reliably collect a viewing fee corresponding to the pay program viewing history. Therefore, the configuration of the entire system can be simplified.
[0097]
According to the above configuration, the digital broadcast receiving apparatus 6 performs reception processing for a pay program while consuming electronic money from the IC card 9 at a predetermined cycle, and the transaction log data D22 at this time is sequentially stored in the IC card 9. Since the transaction log data 22 is read by the store terminal device 7, it is collected in the electronic money management unit 3, and the settlement process is performed based on the collected transaction log data D22. Therefore, it is possible to reliably collect a viewing fee corresponding to the viewing history of the pay program from the user without requiring a customer management system for digital limited broadcasting. You can watch the desired pay program in a prepaid system without online connection to the money management unit 3, and thus the entire system The to digital broadcasting conditional access system capable of constituting dramatically improving the usability of the electronic money system while simplifying the can be realized.
[0098]
(4) Other embodiments
In the above-described embodiment, the case where the present invention is applied to the digital broadcast conditional access system 1 has been described. However, the present invention is not limited to this, and an offline store terminal device is also used. The present invention can be widely applied to various other systems that consume value by using an offline information processing apparatus that does not have a function of exchanging information related to payment with a payment system, such as purchase of goods.
[0099]
Further, in the above-described embodiment, the case where the purchase object by electronic money is an article has been described. However, the present invention is not limited to this, and the payment for receiving information, using information and / or enjoying the service is performed. However, the present invention can be widely applied.
[0100]
Furthermore, in the above-described embodiment, the case where the value information (electronic money) can be used only for one business operator (card issuer 2) has been described. However, the present invention is not limited to this, and a plurality of business operations are provided. It may be possible to use it in common with a user, and in this way, the collection rate of electronic money usage history data (transaction log data D22) performed offline can be improved.
[0101]
Further, in the above-described embodiment, a case is described in which electronic money usage history data (transaction log data D22) performed offline is read from the IC card 9 when the electronic money is consumed at the time of purchase of an article. However, the present invention is not limited to this, and it is also possible to collect data of usage history of electronic money performed offline in association with another transaction different from consumption of electronic money. In practice, for example, the IC card 9 is equipped with functions such as an ID card or a train ticket, and electronic money usage history data that is performed offline when these functions are used is read from the IC card 9. This can be realized by reading.
[0102]
Furthermore, in the above-described embodiment, the case where electronic money is applied as the value information stored in the IC card 9 has been described. However, the present invention is not limited to this, and other economics such as points and tickets, for example. Various other kinds of value information having a target value can be widely applied.
[0103]
Furthermore, in the above-described embodiment, the case where the IC card 9 is applied as a portable information holding device that holds electronic money has been described. However, the present invention is not limited to this, and for example, a normal cash card, A type in which a magnetic tape is attached to a card-like substrate made of a resin material such as a credit card can also be applied. In short, value information such as electronic money and transaction log data D22 As long as it can hold the usage history (consumption history of value information) of the information holding device, various other information holding devices can be widely applied.
[0104]
Furthermore, in the above-described embodiment, the electronic money management unit 3 as a payment system is configured as shown in FIG. 2, and a depositing device that can communicate with the payment system is configured as shown in FIG. Although the case where the store terminal device as a possible information processing terminal is configured as shown in FIG. 9 has been described, the present invention is not limited to this, and various other configurations can be widely applied.
[0105]
Further, in the above-described embodiment, the case where the IC card 9 is only equipped with a function as a wallet for electronic money has been described. However, the present invention is not limited to this, and for example, a debit card, a credit card, an identification card, etc. You may make it mount the function as a ticket and / or a ticket, such as a train and a bus. By doing in this way, the utilization factor of the said IC card 9 can be improved and the transaction log data D22 used in the offline stored in the IC card 9 can be collected more easily.
[0106]
Further, in the above-described embodiment, the case has been described in which the digital broadcast receiving apparatus 6 charges (consumes electronic money) in units of time when a user views a pay program. You may make it charge not only for a program but a pay program.
[0107]
Furthermore, in the above-described embodiment, the case where the contact type that performs reading and writing of data as the IC card 9 is applied is described. However, the present invention is not limited to this, and is not a contact type. You may make it apply.
[0108]
【The invention's effect】
  As described above, according to the present invention, a deposit terminal device that performs deposit processing of money using an electronic money card via a predetermined communication line, pay digital broadcasting reception fee processing and store from the deposited money data Are connected to a store terminal device that holds a transaction log of the purchase price at the store and an electronic money management unit that performs a settlement process using the transaction log held in the store terminal device.Using a digital money card that has been processed by the user, the digital broadcast receiving device scrambles the paid digital broadcast and views it.In the electronic money payment system,A first card communication unit that communicates with the electronic money card, a first communication unit that communicates with the electronic money management unit via a communication line, and an input operation unit through which a user inputs information;userIs the input controloperationdo itBy depositing the usage amount into the electronic money card,In advanceDeposit amount and electronic money card identification numberRecord in the storage unit of the deposit terminalA deposit terminal,By attaching an electronic money cardUsing an electronic money carduserSpecified byBroadcast from paid digital broadcasting stationsThe predetermined balance required for viewing paid digital broadcastsElectronic money cardDetermine if there is,Required predeterminedRemainingMoneyIf it is determined that there is an electronic money card, the program will be scrambled for the amount of time corresponding to the balance,The balance recorded inPull fromDropViewing transaction logdataAs a digital broadcast receiver for recording on the electronic money card,A second card communication unit that communicates with the electronic money card, an authentication processing unit that performs authentication processing with the electronic money management unit, and a second communication unit that communicates with the electronic money management unit via a predetermined communication line. By having an electronic money cardRecorded on an electronic money cardingViewing transaction logData usage history dataAnd usage history data of usage amount transaction logs purchased at storesRead and storeStore and electronic money cardStorage partBalance data representing the usage amount balance forUpdate and rememberStore terminal device and a predetermined communication lineAn access server connected to the deposit terminal device and the store terminal device, a security server that authenticates a communication destination when communicating with the deposit terminal device and the store terminal device, a transaction log of the electronic money card, and information on the usage amount When the communication terminal and the store terminal device communicate with the deposit terminal device and the store terminal device at predetermined time intervals, the viewing transaction log and the usage history data held in the deposit terminal device and the store terminal device are predetermined. If the usage amount is based on whether or not it is a usage amount using an electronic money card, the settlement process is executed,In the result of payment processingBased on the paid digital broadcasting station based on the usage amountAn electronic money management department that performs transfer processing toThe user can view the desired pay program by unscrambling the pay digital broadcast simply by attaching the received electronic money card to the digital broadcast receiving device. Pay programs can be viewed without connecting to the electronic money management unit online and charging processing is performed. Thus, each time viewing is performed, the digital broadcast receiving device is connected to the electronic money management unit online and charging processing is not performed. Can watchAn electronic money payment system can be realized.
[Brief description of the drawings]
FIG. 1 is a block diagram showing an overall configuration of a digital broadcast conditional access system according to an embodiment.
FIG. 2 is a block diagram illustrating a configuration of an electronic money management unit.
FIG. 3 is a block diagram showing a configuration of an IC card.
FIG. 4 is a conceptual diagram for explaining data stored in a RAM of an IC card.
FIG. 5 is a conceptual diagram for explaining transaction log data and card specific data.
FIG. 6 is a flowchart showing usage history data collection and settlement processing procedures.
FIG. 7 is a block diagram showing a configuration of a digital broadcast receiving apparatus.
FIG. 8 is a flowchart showing a reception processing procedure.
FIG. 9 is a block diagram illustrating a configuration of a store terminal device.
FIG. 10 is a flowchart showing a card payment processing procedure.
FIG. 11 is a block diagram showing a configuration of a deposit terminal device.
FIG. 12 is a flowchart showing an electronic money deposit processing procedure.
[Explanation of symbols]
1 …… Digital broadcast conditional access system 2 …… Service provider 3 …… Electronic money management department 5 …… Broadcasting station 6 (6₁ ~ 6_n ) ...... Digital broadcast receiver, 7 (7₁ ~ 7_n ) ... Store terminal, 8 (8₁ ~ 8_n ) …… Payment terminal device, 9 (9₁ ~ 9_n ) ... IC card, D21 ... balance data, D22 ... transaction log data, RT1 ... usage history data collection and payment processing procedure, RT2 ... reception processing procedure, RT3 ... card payment processing procedure, RT4 ... electronic Money deposit processing procedure.

Claims (4)

A deposit terminal device for depositing money using an electronic money card via a predetermined communication line, and a fee-received digital broadcast reception fee processing from the deposited money data and a transaction log of the purchase price at the store The store terminal device is connected to an electronic money management unit that performs a settlement process using the transaction log held in the store terminal device, and the digital money receiving device uses the above-described electronic money card that has been deposited by the user. In an electronic money payment system that can scramble paid digital broadcasts for viewing ,
A first card communication unit that communicates with the electronic money card; a first communication unit that communicates with the electronic money management unit via the communication line; and an input operation unit through which the user inputs information. the user is recorded in the storage unit of the pre-payment amount and the electronic money card identification number to the electronic money card by deposit usage charge to the electronic money card by operating the input operation unit the deposit terminal The deposit terminal device;
When the electronic money card is attached, the electronic money card stores a predetermined balance necessary for viewing the pay digital broadcast broadcast from the pay digital broadcast station designated by the user using the electronic money card. determining whether the above when a predetermined residual gold required is determined that there is descrambles the program by time period in accordance with the balance, the electronic money of a predetermined amount were viewing and the digital broadcast receiving apparatus for recording the electronic money card as the viewing transaction log data is dropped off from the balance recorded in the card,
A second card communication unit that communicates with the electronic money card, an authentication processing unit that performs an authentication process with the electronic money management unit, and a second that communicates with the electronic money management unit via the predetermined communication line. and a communication unit, the usage history data of the utilization amount of money transaction log data that was purchased in the use history data and the store of the viewing transaction log data that has been recorded in the electronic money card by mounting the above-mentioned electronic money card The store terminal device that reads and stores in the storage unit, and updates and stores balance data representing the usage amount balance with respect to the storage unit of the electronic money card;
An access server connected to the deposit terminal device and the store terminal device via the predetermined communication line ; a security server that authenticates a communication destination when communicating with the deposit terminal device and the store terminal device; An electronic money card transaction log and a total server that stores information on the usage amount in a database, and when communicating at a predetermined time interval with the deposit terminal device and the store terminal device, the deposit terminal device and the The usage history data of the viewing transaction log data held in the store terminal device and the usage history data of the usage amount transaction log data purchased at the store are taken in via the predetermined communication line, and the electronic money card is used. depending on whether a Cost performs settlement processing in the case of the use amount, the utilization based on the result of the settlement processing Electronic money settlement system comprising the above-mentioned electronic money management unit for the amount performing a process transfer with respect to the digital pay-broadcasting stations及 beauty above the store. A deposit terminal device for depositing money using an electronic money card via a predetermined communication line, a fee-received digital broadcast reception fee processing from the deposited money data, and a transaction log of the purchase price at the store a shop terminal, the shop terminal and the electronic money management part for performing settlement processing by the transaction log maintained is connected to, the digital broadcast receiving apparatus by using the above electronic money card the user has deposit process In a store terminal device used in an electronic money payment system that can scramble paid digital broadcasting and view it,
A second card communication unit that communicates with the electronic money card, an authentication processing unit that performs an authentication process with the electronic money management unit, and a second that communicates with the electronic money management unit via the predetermined communication line. Use history data of viewing transaction log data and paying amount transaction log data purchased at the store as a result of viewing paid digital broadcasts by a digital broadcast receiving device by attaching the electronic money card. A store terminal device that reads out the usage history data from the electronic money card and stores it in a storage unit, and updates and stores balance data representing the usage amount balance in the storage unit of the electronic money card. A deposit terminal device for depositing money using an electronic money card via a predetermined communication line, a fee-received digital broadcast reception fee processing from the deposited money data, and a transaction log of the purchase price at the store The store terminal device is connected to an electronic money management unit that performs a settlement process using the transaction log held in the store terminal device, and the digital money receiving device uses the above-described electronic money card that has been deposited by the user. In the electronic money management unit used in the electronic money payment system that can scramble paid digital broadcasting and view it,
An access server connected to the deposit terminal device and the store terminal device via the predetermined communication line ; a security server that authenticates a communication destination when communicating with the deposit terminal device and the store terminal device; An electronic money card transaction log and a total server that stores information on the usage amount in a database, and when communicating at a predetermined time interval with the deposit terminal device and the store terminal device, the deposit terminal device and the Usage history data of viewing transaction log data as a result of viewing paid digital broadcasting by a digital broadcast receiving device held in the store terminal device and usage history data of the usage amount transaction log data used by the store terminal device Depending on whether or not it is the amount of money using the electronic money card taken through the predetermined communication line Run the settlement processing in the case of the use amount, the electronic money for the usage charge based on the result of the settlement processing comprises an electronic money payment means for processing transfer to said digital pay broadcasting station及 beauty the store Management Department. A deposit terminal device for depositing money using an electronic money card via a predetermined communication line, and a fee-received digital broadcast reception fee processing from the deposited money data and a transaction log of the purchase price at the store The store terminal device is connected to an electronic money management unit that performs a settlement process using the transaction log held in the store terminal device, and the digital money receiving device uses the above-described electronic money card that has been deposited by the user. In the electronic money settlement method of the electronic money management unit used in the electronic money settlement system that can be viewed after descrambling the paid digital broadcast ,
By the electronic money settlement device, and the access server to be connected to the payment terminal device and the shop terminal via the predetermined communication line, a communication destination authentication when communicating with the payment terminal device and the shop terminal A security server to perform, and a comprehensive server that stores the transaction log and usage amount information of the electronic money card in a database, and when communicating with the deposit terminal device and the store terminal device at predetermined time intervals, Usage history data of viewing transaction log data as a result of viewing paid digital broadcasts by the digital broadcast receiving device held in the deposit terminal device and the store terminal device, and usage amount transaction log data used by the store terminal device The usage history data of the above is taken in via the predetermined communication line, and the electronic money card is used. Depending on whether a Cost performs settlement processing in the case of the use amount, electrons the usage charge based on the result of the settlement processing is performed the transfer process on the digital pay broadcasting station及 beauty the store An electronic money settlement method of an electronic money management unit comprising a money settlement step.

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