JP4804851B2 - Electronic money settlement system, electronic money terminal device, electronic money medium, and electronic money settlement method - Google Patents

Description

  The present invention relates to an electronic money payment system, an electronic money terminal device, an electronic money medium, and an electronic money payment method, in which an electronic money medium for storing an electronic money balance communicates with an electronic money terminal device to perform electronic money payment. When an electronic money is used in a game store, an electronic money settlement system, an electronic money terminal device, and an electronic money that can appropriately and efficiently prevent excessive entrapment in a game and suppress the occurrence of multiple debtors The present invention relates to a medium and an electronic money settlement method.

  2. Description of the Related Art In recent years, value processing called charging has been performed on IC cards and mobile phones in advance, and charged electronic money has been actively used for settlement when purchasing goods. When electronic money is charged, a desired amount is recorded on an IC card or a mobile phone, which is an electronic money medium, by inserting cash into a dedicated terminal or withdrawing an account of a financial institution via a network.

  For example, Patent Document 1 discloses charging electronic money with a credit card. This makes it possible to charge electronic money even when there is no cash balance or when there is no balance in the account of the financial institution.

  Such electronic money is also being considered for use in game stores such as pachinko stores. For example, in Patent Document 2, an electronic money medium and a prepaid card are inserted into a ball lending machine in a game store, and the electronic money balance recorded on the electronic money medium is converted into the frequency of the prepaid card, and this frequency is used for gaming. It is described that it is offered for ball lending.

JP 2002-123771 A JP 2004-243011 A

  However, when electronic money is used at a game store, players can receive unlimited ball lending while repeatedly charging electronic money with a bank card or credit card. There is a problem that.

  In particular, if electronic money is repeatedly charged with a credit card, it will be possible for the player to charge more than the amount actually held as cash or the account balance of the financial institution, and excessive penetration into the game will be This leads to an increase in multiple debtors.

  The present invention has been made in view of such a point, and when electronic money is used at a game store, it is possible to appropriately and efficiently prevent excessive infiltration into a game and suppress the occurrence of multiple debtors. An object is to provide an electronic money settlement system, an electronic money terminal device, an electronic money medium, and an electronic money settlement method.

In order to solve the above-described problems, the present invention provides an electronic money payment system in which an electronic money medium for storing an electronic money balance and an electronic money terminal device communicate with each other to perform electronic money payment. Determining means for determining whether or not money value is provided by credit settlement; and storage means for storing the credit balance of electronic money valued by credit settlement separately from other electronic money balances; The electronic money terminal device removes a credit balance of electronic money valued by credit settlement from a desired usage amount acceptance means for accepting an input of a desired usage amount by a player, and the credit balance and the other electronic money balance calculation means for calculating the electronic money balance as available balance in the game arcade, the calculated hand Available balance calculated to have an update unit that updates the desired utilization amount only if it is received desired utilization amount or more by the reception means, the desired utilization amount to be subtracted from the other electronic money balance by It is characterized by.
The present invention is also an electronic money payment system in which an electronic money medium for storing an electronic money balance and an electronic money terminal device communicate with each other to perform electronic money payment, wherein the electronic money medium has a value for electronic money. Judgment means for determining whether credit settlement is performed, storage means for storing the credit balance of electronic money valued by credit settlement in distinction from other electronic money balances, and input of desired usage amount by the player The electronic money terminal device plays an electronic money balance excluding the credit balance of the electronic money valued by credit settlement from the credit balance and the other electronic money balance. A calculation means for calculating the available balance in the store, and the calculation means Update means for subtracting and updating the desired usage amount from the other electronic money balance only when the available balance is equal to or larger than the desired usage amount received by the desired usage amount acceptance means. .

  Further, the present invention is characterized in that, in the above-mentioned invention, the calculating means calculates a non-credit balance of electronic money valued by a method other than credit settlement as the available balance.

In addition, the present invention provides a desired use amount receiving means for receiving an input of a desired use amount by a player and an electronic money medium for storing a credit balance of electronic money valued by credit settlement and another electronic money balance. A communication control means for controlling the communication, and a calculation for calculating an electronic money balance excluding the credit balance of the electronic money valued by credit settlement as an available balance in the amusement store from the credit balance and the other electronic money balance Only when the available balance calculated by the means and the calculation means is equal to or larger than the desired usage amount received by the desired usage amount reception means, the desired usage amount is subtracted from the other electronic money balance and updated. And updating means.

  Further, the present invention is characterized in that, in the above-mentioned invention, the calculating means calculates a non-credit balance of electronic money valued by a method other than credit settlement as the available balance.

  Further, in the present invention according to the above invention, the calculation unit recognizes the purpose of using electronic money according to the type of the connection unit connected to an external device capable of settlement with electronic money and the external device connected to the connection unit. And a recognizing means for calculating the available balance according to the purpose of use.

  Further, the present invention is characterized in that, in the above invention, the updating means subtracts the usage amount preferentially from the credit balance when the usage purpose of the electronic money is usage outside the amusement store.

  Further, the present invention is characterized in that, in the above invention, the updating means does not update any of the credit balance and the other electronic money balance when the available balance is less than a desired usage amount by the player. And

The present invention also relates to an electronic money settlement method in which an electronic money medium for storing an electronic money balance and an electronic money terminal device communicate to perform electronic money settlement, wherein the electronic money medium has a value for electronic money. A determination step for determining whether or not the payment is made by credit settlement; and a storage step for storing the credit balance of the electronic money valued by the credit settlement separately from other electronic money balances, the electronic money terminal device The game uses an electronic money balance excluding the credit balance of electronic money valued by credit settlement from the credit balance and the other electronic money balance , and accepting the input of the desired usage amount by the player. a calculation step of calculating as available balance in the store, use calculated by the calculating step Only when capacity balance is the desired utilization amount receiving step by accepted usage desired amount or more, and having an update step of updating from the other electronic money balance by subtracting the usage amount of money of choice.

According to the present invention, the electronic money medium determines whether or not the electronic money is valued by credit settlement, and distinguishes the credit balance of the electronic money valued by credit settlement from other electronic money balances. The electronic money terminal device stores the electronic money balance excluding the credit balance of the electronic money valued by the credit settlement from the credit balance and other electronic money balances when the electronic money terminal device accepts the input of the desired usage amount by the player. calculated as the available balance in, only if the available balance is available hope amount of money or more by the player customer, because the update by subtracting the use desired amount of money from other electronic money balance, the electronic money is available in the game arcade When using a credit card, you can set an available balance that restricts the use of the credit balance. The sinking prevents proper and it is possible to efficiently suppress the occurrence of multiple debtors by.
According to the present invention, the electronic money medium determines whether or not the electronic money is valued by credit settlement, and the credit balance of the electronic money valued by credit settlement is used as another electronic money balance. The electronic money terminal device stores the electronic money balance excluding the credit balance of the electronic money valued by the credit settlement from the credit balance and other electronic money balances. It is calculated as the available balance at the amusement store, and only when the available balance is equal to or greater than the desired amount of money used by the player, the desired amount of money is subtracted from the other electronic money balance and updated. When used, you can set an available balance that restricts the use of credit balance, It is possible to suppress the occurrence of multiple debtors to prevent properly and efficiently excessive embedment.

  In addition, according to the present invention, since the non-credit balance of electronic money valued by a method other than credit settlement is calculated as an available balance, the player actually owns it as cash or an account balance of a financial institution, etc. Only electronic money corresponding to a certain amount of money can be used for games, and it is possible to reliably prevent the player from getting into the game.

In addition, according to the present invention, an input of a desired usage amount by a player is accepted, and communication with an electronic money medium storing an electronic money credit balance and other electronic money balance valued by credit settlement is controlled. The available balance at the amusement store is calculated from the credit balance and other electronic money balance, and the desired usage amount is subtracted from the other electronic money balance only when the available balance is equal to or more than the desired usage amount by the player. Therefore, when electronic money is used at a game store, it is possible to set an available balance that restricts the use of credit balance, and it is possible to appropriately and efficiently prevent excessive penetration into the game. Occurrence of debtors can be suppressed.

  In addition, according to the present invention, an external device capable of settlement with electronic money is connected, the purpose of use of electronic money is recognized according to the type of the connected external device, and an available balance corresponding to the purpose of use is calculated. Therefore, it is possible to accurately determine whether or not electronic money is used at a game store, and it is possible to calculate a limited usable balance only when it is used at a game store.

  Further, according to the present invention, when the purpose of using electronic money is other than at a gaming store, the usage amount is preferentially subtracted from the credit balance, so the non-credit balance that can be used at the gaming store is maximized. Can be left.

  Further, according to the present invention, when the available balance is less than the amount desired by the player, neither the credit balance nor any other electronic money balance is updated, so when the available balance is insufficient The use of electronic money can be prohibited.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Below, the case where a player receives the issue of the prepaid card which can be utilized for ball lending using electronic money is demonstrated. However, the present invention is applicable when electronic money is used for borrowing game media such as pachinko balls and medals at a game store, and is not limited to issuing prepaid cards.

(Embodiment 1)
FIG. 1 is a diagram showing an outline of an electronic money settlement system for issuing a prepaid card according to Embodiment 1 of the present invention. In the electronic money settlement system shown in the figure, a player makes an electronic money settlement by holding the electronic money medium 100 over the electronic money terminal device 200 and issues it from a card issuing device 300 connected to the electronic money terminal device 200. Get a prepaid card.

  The electronic money medium 100 is, for example, an IC card or a mobile phone, and stores an electronic money balance charged by a player. The electronic money is charged by, for example, putting cash into these terminal devices while holding (touching) the electronic money medium 100 on the electronic money terminal device 200 or a dedicated terminal device (not shown), or inside or outside the amusement store. In addition to accessing a predetermined WWW (World Wide Web) server with a computer installed in the computer, debit payment or credit payment is performed using a dedicated reader / writer connected to the computer. When the electronic money medium 100 is a mobile phone, a predetermined amount of electronic money can be charged by directly accessing a predetermined server device and performing mobile banking or credit card payment.

  The electronic money medium 100 stores the electronic money balance charged in this way. As will be described in detail later, the electronic money balance (hereinafter referred to as “credit balance”) charged by credit settlement is used for other than credit settlement. It is stored separately from the electronic money balance charged by the method (hereinafter referred to as “non-credit balance”).

  When the electronic money medium 100 is held over when the prepaid card is issued, the electronic money terminal device 200 updates the electronic money balance by subtracting the issued amount of the prepaid card from the electronic money balance stored in the electronic money medium 100. . At this time, as will be described in detail later, if the purchase amount of the prepaid card is larger than the electronic money balance (non-credit balance) charged by a method other than credit settlement, the electronic money terminal device 200 uses the electronic money. The electronic money balance stored in the electronic money medium 100 is not updated. That is, the electronic money terminal device 200 restricts the credit balance from being used for issuing a prepaid card.

  The card issuing device 300 issues a prepaid card having a purchase amount designated by the player. However, when the non-credit balance stored in the electronic money medium 100 is less than the purchase amount of the prepaid card, the prepaid card is not issued, and an error message indicating that the electronic money balance is insufficient is displayed.

  FIG. 2 is a block diagram showing a main configuration of electronic money medium 100 according to the present embodiment. The electronic money medium 100 shown in FIG. 2 includes a storage unit 110, a payment type determination unit 120, a balance writing unit 130, a balance reading unit 140, and a communication control unit 150.

  The storage unit 110 includes, for example, an EEPROM (Electrically Erasable Programmable Read Only Memory) and the like, and separately stores a credit balance 110a charged by credit settlement and a non-credit balance 110b charged by a method other than credit settlement. ing. The credit balance 110a is an amount unrelated to the cash actually held by the player or the account balance of the financial institution, while the non-credit balance 110b is actually held in some form by the player at the present time. Is the amount of money. For this reason, the player is not indebted with the use of the non-credit balance 110b.

  When the electronic money is charged, the payment type determination unit 120 determines a payment type as to whether or not the electronic money is charged by credit settlement, and notifies the balance writing unit 130 of the determination result. The payment type determination unit 120 may determine the payment type based on a specific signal transmitted when the electronic money is charged from the electronic money terminal device 200 or a dedicated terminal device (not shown). It may be determined whether or not the credit settlement is made by detecting a method selection operation or the like.

  The balance writing unit 130 updates the credit balance 110a and the non-credit balance 110b stored in the storage unit 110 to the electronic money balance notified from the communication control unit 150 when the electronic money is charged or used. To do. Specifically, the balance writing unit 130 rewrites the credit balance 110a in the storage unit 110 when the credit settlement is performed, and stores the charge when a method other than the credit settlement is performed. The non-credit balance 110b of the part 110 is rewritten. In addition, when the electronic money is used, the balance writing unit 130 rewrites the used electronic money balance among the credit balance 110a and the non-credit balance 110b.

  The balance reading unit 140 reads the credit balance 110a and the non-credit balance 110b from the storage unit 110 when the electronic money medium 100 is held over the electronic money terminal device 200, and the electronic money terminal device 200 via the communication control unit 150. Send to.

  The communication control unit 150 controls communication with the electronic money terminal device 200, receives the electronic money balance transmitted from the electronic money terminal device 200, and notifies the balance writing unit 130, while the balance reading unit 140. The electronic money balance read out by is transmitted to the electronic money terminal device 200. In addition, when charging electronic money, the communication control unit 150 notifies the payment type determination unit 120 of a signal indicating the payment type transmitted from the electronic money terminal device 200 or a dedicated terminal device (not shown). good.

  FIG. 3 is a block diagram showing a main configuration of electronic money terminal device 200 and card issuing device 300 according to the present embodiment. The electronic money terminal device 200 shown in FIG. 3 includes a communication control unit 210, a usage purpose instruction unit 220, an available balance calculation unit 230, a usage determination unit 240, and a connection interface (hereinafter abbreviated as “connection I / F”) unit 250. And a balance update unit 260. In the electronic money terminal device 200 shown in FIG. 3, a processing unit necessary for charging electronic money is not shown. 3 includes a connection I / F unit 310, an input unit 320, a purchase amount notification unit 330, a control unit 340, a display unit 350, and a card issuing unit 360.

  The communication control unit 210 of the electronic money terminal device 200 controls communication with the electronic money medium 100, receives the electronic money balance transmitted from the electronic money medium 100, and notifies the available balance calculation unit 230. Then, the electronic money balance updated by the balance updating unit 260 is transmitted to the electronic money medium 100. In addition, when charging electronic money, the communication control unit 210 may transmit a signal indicating a payment type to the electronic money medium 100 from a processing unit (not shown).

  Since the electronic money terminal device 200 is connected to the card issuing device 300, the usage purpose instructing unit 220 notifies the available balance calculating unit 230 that the purpose of using electronic money is to issue a prepaid card. That is, the usage purpose instruction unit 220 recognizes what the electronic money is used in accordance with an external device to which the electronic money terminal device 200 is connected via the connection I / F unit 250, and Is notified to the available balance calculation unit 230.

  The available balance calculation unit 230 calculates an available electronic money balance among the electronic money balances stored in the electronic money medium 100 according to the purpose of use. Specifically, when the purpose of use is the issuance of a prepaid card at an amusement store, the available balance calculation unit 230 sets the non-credit balance 110b as an available balance, and the purpose of use is other than an amusement store such as shopping. In this case, the total balance obtained by adding the credit balance 110a and the non-credit balance 110b is set as an available balance. Then, the available balance calculation unit 230 notifies the usage determination unit 240 and the balance update unit 260 of the calculated available balance.

  Here, since the credit balance 110a is irrelevant to the amount actually owned by the player, if the credit balance 110a can be used for issuance of a prepaid card at a game store, the player is immersed in the game and a debt is generated. There is a risk of doing. Therefore, the available balance calculation unit 230 determines that only the non-credit balance 110b can be used at the amusement store. Since the non-credit balance 110b is an amount actually held by the player as cash or an account balance of a financial institution, there is no possibility that a debt will be generated.

  The usage determination unit 240 compares the available balance with the purchase amount of the prepaid card notified from the card issuing device 300, determines whether the prepaid card can be purchased with the available balance, and connects the determination result to the connection I. / F unit 250 and balance update unit 260 are notified. That is, the usage determination unit 240 determines that electronic money can be used if the available balance is equal to or greater than the purchase price of the prepaid card, and uses the electronic money if the available balance is less than the purchase price of the prepaid card. Is determined to be impossible. Therefore, when purchasing a prepaid card at a game store, electronic money can be used only when the non-credit balance 110b is equal to or greater than the purchase amount of the prepaid card.

  The connection I / F unit 250 is an interface connected to an external device such as the card issuing device 300. When connected to an external device, the connection I / F unit 250 notifies the use purpose instruction unit 220 of the connected external device, The usage purpose instruction unit 220 recognizes the usage purpose of the electronic money according to the connected external device. In addition, the connection I / F unit 250 transmits the determination result by the usage determining unit 240 to the card issuing device 300, receives the purchase amount of the prepaid card designated by the player from the card issuing device 300, and sends it to the usage determining unit 240. Output.

  When the determination result indicating that the electronic money can be used is output from the usage determination unit 240, the balance update unit 260 subtracts the purchase amount of the prepaid card from the available balance, and updates the updated credit balance 110a and the non-payment amount. The credit balance 110b is output to the communication control unit 210. In addition, when the determination result that the electronic money cannot be used is output from the usage determination unit 240, the balance update unit 260 does not perform any calculation on the available balance, and the credit balance 110a and The non-credit balance 110b is output to the communication control unit 210. Therefore, when purchasing a prepaid card at a game store, if the non-credit balance 110b is equal to or greater than the purchase amount of the prepaid card, the purchase amount of the prepaid card is subtracted from the non-credit balance 110b to update the non-credit balance 110b. .

  Note that the usage purpose instruction unit 220, the available balance calculation unit 230, the usage determination unit 240, and the balance update unit 260 constitute an application of the electronic money terminal device 200 according to the present embodiment. This application does not necessarily have to be mounted on the electronic money terminal device 200, and may be mounted on the card issuing device 300 or may be mounted on the electronic money medium 100 such as a mobile phone.

  The connection I / F unit 310 of the card issuing device 300 is an interface connected to the electronic money terminal device 200, transmits the purchase price of the prepaid card designated by the player to the electronic money terminal device, and can use the electronic money. The determination result indicating the impossibility is received from the electronic money terminal device 200 and output to the control unit 340.

  The input unit 320 includes a button for the player to specify a purchase amount of the prepaid card, and when the player performs an operation to specify a prepaid card of a desired amount, the input of the specified prepaid card is performed. The purchase amount is output to the purchase amount notification unit 330. When the purchase amount is output from the input unit 320, the purchase amount notification unit 330 notifies the connection I / F unit 310 and the control unit 340 of the purchase amount.

  When the determination result transmitted from the electronic money terminal device 200 indicates that electronic money can be used, the control unit 340 controls the card issuing unit 360 to issue a prepaid card for the purchase amount. In addition, when the determination result transmitted from the electronic money terminal device 200 indicates that electronic money cannot be used, the control unit 340 controls the display unit 350 to display an error message.

  When the available balance (that is, the non-credit balance 110b) is less than the purchase amount of the prepaid card according to the control of the control unit 340, the display unit 350 runs out of the electronic money balance stored in the electronic money medium 100. Error message is displayed.

  The card issuing unit 360 issues a prepaid card corresponding to the purchase amount when the available balance (that is, the non-credit balance 110b) is equal to or greater than the purchase amount of the prepaid card, under the control of the control unit 340.

  Next, the operation of the electronic money medium 100 when the player charges the electronic money will be described with reference to the flowchart shown in FIG. Hereinafter, a case where the player charges the electronic money medium 100 while holding it over the dedicated terminal device will be described.

  When the player holds the electronic money medium 100 over the dedicated terminal device, the player inputs a desired charge amount to the dedicated terminal device (step S1000). At this time, the player simultaneously inputs a payment type such as whether to charge by cash settlement or credit settlement. When the charge amount and the payment type are input, the dedicated terminal device communicates with a computer installed in a financial institution or the like as necessary to perform a predetermined procedure. Further, the charge amount and the payment type are transmitted to the communication control unit 150 of the electronic money medium 100.

  Then, the deposit type determination unit 120 of the electronic money medium 100 determines whether or not the deposit type is credit settlement (step S1100). As a result, if the payment type is credit settlement (Yes at Step S1100), the balance writing unit 130 adds the charge amount to the credit balance 110a in the storage unit 110 (Step S1200). On the other hand, if the payment type is other than credit settlement (No in step S1100), the balance writing unit 130 adds the charge amount to the non-credit balance 110b in the storage unit 110 (step S1300).

  As described above, since the electronic money medium 100 stores the electronic money balance by distinguishing the charge amount depending on whether or not the charging is performed by credit settlement, only the non-credit balance 110b can be used depending on the purpose of use. Can be processed.

  Next, the operation of the electronic money settlement system when a player purchases a prepaid card using electronic money will be described with reference to the flowchart shown in FIG. Hereinafter, when a prepaid card is issued, the player operates the card issuing device 300, reads the electronic money balance from the electronic money medium 100 to the electronic money terminal device 200, determines whether electronic money can be used, and updates the electronic money balance. Procedure is taken. Further, when the electronic money terminal device 200 is connected to the card issuing device 300, the connection I / F unit 250 of the electronic money terminal device 200 transfers to the usage purpose instruction unit 220, and the electronic money terminal device 200 changes to the card issuing device 300. It is assumed that the connection has been notified. Then, since the electronic money terminal device 200 is connected to the card issuing device 300, the usage purpose instructing unit 220 recognizes that the electronic money is used for issuing the prepaid card. 230 is notified.

  First, the player operates the input unit 320 of the card issuing device 300 and inputs the purchase amount of a desired prepaid card (step S2000). The input purchase amount is output to the purchase amount notification unit 330 and notified to the control unit 340 and the connection I / F unit 310. The purchase amount is held in the control unit 340 and is input from the connection I / F unit 310 to the usage determination unit 240 via the connection I / F unit 250 of the electronic money terminal device 200. At this time, for example, when a player purchases a prepaid card of 5000 yen, a message and a purchase amount as shown in FIG. 6A are displayed on the display unit 350 under the control of the control unit 340, for example.

  On the other hand, after inputting the purchase price of the prepaid card, the player holds the electronic money medium 100 over the electronic money terminal device 200 connected to the card issuing device 300 in order to perform electronic money settlement (step S2100). When the electronic money medium 100 is held over the electronic money terminal device 200, the balance reading unit 140 of the electronic money medium 100 reads the credit balance 110a and the non-credit balance 110b from the storage unit 110 (step S2200), and the communication control unit 150. To the electronic money terminal device 200. The transmitted credit balance 110a and non-credit balance 110b are input to the available balance calculation unit 230 via the communication control unit 210 of the electronic money terminal device 200.

  Since the available balance calculation unit 230 has already been notified that electronic money is used for issuing a prepaid card, an available balance that can be used for issuing a prepaid card is calculated from the credit balance 110a and the non-credit balance 110b. (Step S2300). That is, since the purpose of use is the issuance of a prepaid card at a game store, the non-credit balance 110b becomes an available balance, and is notified from the available balance calculation unit 230 to the usage determination unit 240 and the balance update unit 260.

  Then, the usage determining unit 240 determines whether the available balance is equal to or greater than the purchase amount notified from the card issuing device 300 (step S2400), and the determination results are the balance updating unit 260 and the connection I / F unit 250. To be notified. As a result of the determination in step S2400, if the available balance is equal to or greater than the purchase amount (Yes in step S2400), it is possible to issue a prepaid card by electronic money settlement, so the determination result is the connection I / F unit 250 and connection I / F. When input to the control unit 340 via the F unit 310, the card issuing unit 360 is instructed to issue a prepaid card for the purchase amount held in the control unit 340. In response to this instruction, the card issuing unit 360 issues a prepaid card of the amount designated by the player (step S2500). At this time, for example, when the non-credit balance 110b is 6000 yen with respect to the purchase amount of 5000 yen, a message as shown in FIG. 6B is displayed on the display unit 350 under the control of the control unit 340, for example.

  In addition, the balance update unit 260 subtracts the purchase amount from the available balance and newly calculates an electronic money balance. Here, since the available balance is equal to the non-credit balance 110b, the electronic money balance is updated by subtracting the purchase amount from the non-credit balance 110b (step S2600). The updated electronic money balance is transmitted from the communication control unit 210 to the electronic money medium 100, input to the balance writing unit 130 via the communication control unit 150 of the electronic money medium 100, and stored by the balance writing unit 130. 110 is written.

  When electronic money is used for shopping other than at an amusement store, a credit balance that cannot be used at an amusement store among the available balances obtained by adding up the credit balance 110a and the non-credit balance 110b when updating the electronic money balance. 110a may be updated to be used preferentially. By doing so, it is possible to leave the maximum non-credit balance 110b that can be used at the game store as well.

  On the other hand, as a result of the determination in step S2400, if the available balance is less than the purchase amount (No in step S2400), it is impossible to issue a prepaid card by electronic money settlement. When input to the control unit 340 via the connection I / F unit 310, the display unit 350 is instructed to display an error message that the electronic money balance is insufficient. In response to this instruction, the display unit 350 displays an error message indicating that the electronic money balance is insufficient (step S2700). At this time, for example, when the non-credit balance 110b is 2000 yen with respect to the purchase amount of 5000 yen, a message as shown in FIG. 6C is displayed on the display unit 350 under the control of the control unit 340, for example.

  Further, when the electronic money balance is insufficient, the electronic money is not used, and the balance update unit 260 transmits the available balance as it is from the communication control unit 210 to the electronic money medium 100, and the electronic money medium 100 is input to the balance writing unit 130 via the communication control unit 150 and written to the storage unit 110 by the balance writing unit 130.

  As described above, according to the present embodiment, the credit balance and the non-credit balance are stored separately in the electronic money medium, and a game store such as a pachinko store stores only the non-credit balance at the time of electronic money settlement. In order to make it available for use, players can only use electronic money equivalent to the amount actually held as cash or account balances of financial institutions, etc., and it is appropriate and efficient to overcharge the game. We can prevent well and suppress the occurrence of multiple debtors.

(Embodiment 2)
The feature of the second embodiment of the present invention is that the electronic money medium stores not the non-credit balance but the total balance separately from the credit balance, and the upper limit amount that can be purchased in advance when the prepaid card is purchased is notified to the card issuing device. Is a point.

  FIG. 7 is a block diagram showing a main configuration of electronic money medium 100 according to the present embodiment. The electronic money medium 100 shown in the figure has the same configuration as the electronic money medium 100 shown in FIG. 2, but only the electronic money balance stored in the storage unit 110 is different. That is, in the present embodiment, the storage unit 110 stores the total balance 110c of electronic money, and distinguishes and stores only the credit balance 110a charged by credit settlement out of the total balance 110c.

  FIG. 8 is a block diagram showing a main configuration of the electronic money terminal device 200 and the card issuing device 300 according to the present embodiment. In this figure, the same parts as those in FIG. The electronic money terminal device 200 shown in FIG. 8 has a usable balance calculation unit 410 instead of the usable balance calculation unit 230 of the electronic money terminal device 200 shown in FIG. . 8 adopts a configuration having a control unit 420 and a display unit 430 instead of the control unit 340 and the display unit 350 of the card issuing device 300 shown in FIG.

  The available balance calculation unit 410 subtracts the credit balance 110a from the total balance 110c when the purpose of use is issuance of a prepaid card at a game store, and sets the obtained non-credit balance as an available balance. Further, the available balance calculation unit 410 sets the total balance 110c as the available balance when the purpose of use is payment at a place other than a game store such as shopping. Then, the available balance calculation unit 410 notifies the connection I / F unit 250 of the calculated available balance.

  Note that the usage purpose instruction unit 220, the available balance calculation unit 410, and the balance update unit 260 constitute an application of the electronic money terminal device 200 according to the present embodiment. This application does not necessarily have to be mounted on the electronic money terminal device 200, and may be mounted on the card issuing device 300 or may be mounted on the electronic money medium 100 such as a mobile phone.

  When receiving the available balance from the electronic money terminal device 200, the control unit 420 controls the display unit 430 to display the upper limit amount of the prepaid card that can be purchased using the available balance. When the purchase amount is notified from the purchase amount notification unit 330, the control unit 420 controls the card issuing unit 360 to issue a prepaid card for the purchase amount.

  The display unit 430 displays the upper limit amount of the prepaid card that can be purchased according to the available balance (that is, the difference between the total balance 110c and the credit balance 110a) under the control of the control unit 420. In the present embodiment, instead of the display unit 430 displaying the upper limit amount of the prepaid card, for example, only the button of the amount that can be purchased with the available balance among the buttons provided on the input unit 320 is lit. You may do as follows.

  Next, the operation of the electronic money medium 100 when the player charges the electronic money will be described with reference to the flowchart shown in FIG. In this figure, the same parts as those in FIG. 4 are denoted by the same reference numerals, and detailed description thereof is omitted. Hereinafter, a case where the player charges the electronic money medium 100 while holding it over the dedicated terminal device will be described.

  When the player holds the electronic money medium 100 over the dedicated terminal device, the player inputs a desired charge amount and payment type to the dedicated terminal device (step S1000). When the charge amount and the payment type are input, the dedicated terminal device communicates with a computer installed in a financial institution or the like as necessary to perform a predetermined procedure. Further, the charge amount and the payment type are transmitted to the communication control unit 150 of the electronic money medium 100.

  Then, the deposit type determination unit 120 of the electronic money medium 100 determines whether or not the deposit type is credit settlement (step S1100). As a result, if the payment type is credit settlement (Yes at Step S1100), the balance writing unit 130 adds the charge amount to the credit balance 110a in the storage unit 110 (Step S1200), and simultaneously charges the total balance 110c. The amount is added (step S3000). On the other hand, if the payment type is other than credit settlement (No at Step S1100), the balance writing unit 130 adds the charge amount only to the total balance 110c in the storage unit 110 (Step S3100).

  As described above, the electronic money medium 100 stores the credit balance 110a charged by the credit settlement separately from the total balance 110c, so that only the non-credit balance obtained by subtracting the credit balance 110a from the total balance 110c is used depending on the purpose of use. Processing such as making it available becomes possible.

  Next, the operation of the electronic money settlement system when a player purchases a prepaid card using electronic money will be described with reference to the flowchart shown in FIG. In this figure, the same parts as those in FIG. 5 are denoted by the same reference numerals, and detailed description thereof is omitted. In the following, the procedure of reading the electronic money balance from the electronic money medium 100 to the electronic money terminal device 200, displaying the purchaseable amount, operating the card issuing device 300 by the player, and updating the electronic money balance when the prepaid card is issued. Taken. Further, when the electronic money terminal device 200 is connected to the card issuing device 300, the connection I / F unit 250 of the electronic money terminal device 200 transfers to the usage purpose instruction unit 220, and the electronic money terminal device 200 changes to the card issuing device 300. It is assumed that the connection has been notified. Then, since the electronic money terminal device 200 is connected to the card issuing device 300, the usage purpose instructing unit 220 recognizes that the electronic money is used for issuing the prepaid card. 410 is notified.

  First, the player holds the electronic money medium 100 over the electronic money terminal device 200 connected to the card issuing device 300 (step S2100). When the electronic money medium 100 is held over the electronic money terminal device 200, the balance reading unit 140 of the electronic money medium 100 reads the credit balance 110a and the total balance 110c from the storage unit 110 (step S2200), and from the communication control unit 150. It is transmitted to the electronic money terminal device 200. The transmitted credit balance 110a and total balance 110c are input to the available balance calculation unit 410 via the communication control unit 210 of the electronic money terminal device 200.

  Since the available balance calculation unit 410 has already been notified that electronic money is used to issue a prepaid card, the available balance is calculated from the credit balance 110a and the total balance 110c (step S2300). That is, since the purpose of use is the issuance of a prepaid card at a game store, the non-credit balance obtained by subtracting the credit balance 110a from the total balance 110c becomes the available balance, and the available I / F unit 250 and the balance from the available balance calculation unit 410 The update unit 260 is notified.

  When the available balance is input to the control unit 420 via the connection I / F unit 250 and the connection I / F unit 310, it is possible to purchase a prepaid card with the available balance as an upper limit under the control of the control unit 420. The amount is displayed on display unit 430 (step S4000). The purchaseable amount displayed here is an amount equal to or less than the non-credit balance obtained by subtracting the credit balance 110a from the total balance 110c. Therefore, even if a prepaid card having the same amount as the purchaseable amount is issued, There is no risk of it occurring.

  When the purchaseable amount is displayed, the player operates the input unit 320 of the card issuing device 300 to input the purchase amount of a desired prepaid card within the purchaseable amount range (step S4100). At this time, since the player is informed of the electronic money balance that can be used in advance, the player can input the purchase amount while grasping the available electronic money balance, It is possible to prevent useless operations such as specifying a purchase amount exceeding the balance. The input purchase amount is output to the purchase amount notification unit 330 and notified to the control unit 420 and the connection I / F unit 310. Then, the control unit 420 instructs the card issuing unit 360 to issue a prepaid card for the purchase amount. In response to this instruction, the card issuing unit 360 issues a prepaid card having an amount designated by the player within the range of the purchaseable amount (step S2500).

  Further, the purchase amount is input from the connection I / F unit 310 to the balance update unit 260 via the connection I / F unit 250 of the electronic money terminal device 200. Then, the balance update unit 260 subtracts the purchase amount from the available balance and newly calculates an electronic money balance. Here, since the available balance is the difference between the total balance 110c and the credit balance 110a, the purchase amount is subtracted from only the total balance 110c, and the credit balance 110a is left as it is, thereby updating the electronic money balance ( Step S2600). The updated electronic money balance is transmitted from the communication control unit 210 to the electronic money medium 100, input to the balance writing unit 130 via the communication control unit 150 of the electronic money medium 100, and stored by the balance writing unit 130. 110 is written.

  When electronic money is used for shopping other than at an amusement store, the credit balance 110a that cannot be used at an amusement store is used preferentially among the total balance 110c that is an available balance when updating the electronic money balance. You may make it update as what is done. By doing so, it is possible to leave the maximum amount of non-credit balance that can be used at the game store as well.

  As described above, according to the present embodiment, the credit balance is stored separately from the total balance in the electronic money medium, and the non-credit balance obtained by subtracting the credit balance from the total balance in a game store such as a pachinko parlor. To the player in advance, and the prepaid card is issued within the range of the notified non-credit balance, so the player is equivalent to the amount actually held as cash or the account balance of a financial institution, etc. Only electronic money to be used can be used in games, and excessive infiltration into games can be prevented appropriately and efficiently, and the occurrence of multiple debtors can be suppressed. In addition, since the available electronic money balance is notified in advance, the player can purchase the prepaid card after grasping the available electronic money balance, and the purchase amount exceeding the available electronic money balance can be purchased. It is possible to prevent useless operations such as designation.

(Embodiment 3)
A feature of Embodiment 3 of the present invention is that, when the electronic money medium is a mobile phone, for example, the purchase amount of the prepaid card is designated in advance within the range of the available balance, and the electronic money medium The point is that a prepaid card is issued simply by holding the card over the electronic money terminal device.

  FIG. 11 is a block diagram showing a main configuration of electronic money medium 100 according to the present embodiment. In this figure, the same parts as those in FIG. An electronic money medium 100 illustrated in FIG. 11 includes an available balance display unit 510, an input unit 520, and a purchase amount holding unit 530 in addition to the electronic money medium 100 illustrated in FIG. In the present embodiment, the electronic money medium 100 is, for example, a mobile phone, and it is possible to implement applications having various functions other than storing the electronic money balance.

  The available balance display unit 510 calculates and displays the electronic money balance that can be used at the amusement store among the electronic money balances stored in the storage unit 110. Specifically, the available balance display unit 510 displays the non-credit balance 110b as an available balance. The available balance display unit 510 is a processing unit that executes a part of the function of the application for issuing a prepaid card. At the time when the application is activated, the purpose of using electronic money may be to issue a prepaid card. It is a premise.

  The input unit 520 includes a button for the player to specify the purchase amount of the prepaid card and the like, and when the player performs an operation to specify a prepaid card of a desired amount, The purchase amount is output to the purchase amount holding unit 530. When the purchase amount is output from the input unit 520, the purchase amount holding unit 530 holds the purchase amount and transmits it to the electronic money terminal device 200 via the communication control unit 150.

  FIG. 12 is a block diagram showing a main configuration of electronic money terminal device 200 and card issuing device 300 according to the present embodiment. In this figure, the same parts as those in FIG. The electronic money terminal device 200 illustrated in FIG. 12 includes a communication control unit 210, a connection I / F unit 250, a balance update unit 610, and a purchase amount notification unit 620. 12 includes a connection I / F unit 310, a card issuance unit 360, a control unit 630, and an issuance amount notification unit 640.

  The balance update unit 610 updates the electronic money balance from the credit balance 110 a and the non-credit balance 110 b transmitted from the electronic money medium 100 and the issued amount of the prepaid card notified from the card issuing device 300. Specifically, the balance update unit 610 subtracts the issued amount from the non-credit balance 110b and outputs the updated electronic money balance to the communication control unit 210 because the issued amount is related to a prepaid card at the game store. . When the purchase amount transmitted from the electronic money medium 100 is received by the communication control unit 210, the purchase amount notification unit 620 notifies the connection I / F unit 250 of the purchase amount.

  When receiving the purchase amount from the electronic money terminal device 200, the control unit 630 controls the card issuing unit 360 to issue a prepaid card for the purchase amount and outputs the issued amount of the prepaid card to the issue amount notification unit 640. . When the issue amount is output from the control unit 630, the issue amount notification unit 640 notifies the connection I / F unit 310 of the issue amount.

  Next, the operation of the electronic money settlement system when a player purchases a prepaid card using electronic money will be described with reference to the flowchart shown in FIG. In this figure, the same parts as those in FIG. 5 are denoted by the same reference numerals, and detailed description thereof is omitted. In the following, the procedure for setting the purchase amount in the electronic money medium 100 is taken before the prepaid card is issued, and the electronic money balance and purchase amount from the electronic money medium 100 to the electronic money terminal device 200 are issued when the prepaid card is issued. The procedure of reading and updating the electronic money balance is taken.

  First, a player operates an electronic money medium 100 such as a mobile phone to start an application for issuing a prepaid card. When this application is activated, the available balance display unit 510 calculates and displays an available balance that can be used to issue a prepaid card from the credit balance 110a and the non-credit balance 110b (step S5000). In other words, since the purpose of use is to issue a prepaid card at a gaming store, the non-credit balance 110b is displayed as an available balance, thereby informing the player of the electronic money balance that can be used for issuing the prepaid card.

  The player operates the input unit 520 to input a desired prepaid card purchase amount within the range of the available balance (step S5100). At this time, since the player is informed of the electronic money balance that can be used in advance, the player can input the purchase amount while grasping the available electronic money balance, It is possible to prevent useless operations such as specifying a purchase amount exceeding the balance. The input purchase amount is output to the purchase amount holding unit 530 and held.

  Then, the player holds the electronic money medium 100 over the electronic money terminal device 200 connected to the card issuing device 300 (step S2100). When the electronic money medium 100 is held over the electronic money terminal device 200, the balance reading unit 140 of the electronic money medium 100 reads the credit balance 110a and the non-credit balance 110b from the storage unit 110 (step S2200), and the communication control unit 150. To the electronic money terminal device 200. At the same time, the purchase amount held in the purchase amount holding unit 530 is transmitted from the communication control unit 150 to the electronic money terminal device 200.

  In the present embodiment, since the purchase amount is stored in advance in the electronic money medium 100, the player can purchase a prepaid card with a desired amount by simply holding the electronic money medium 100 over the electronic money terminal device 200. Can do. Further, since the purchase amount that the player inputs in advance to the electronic money medium 100 is an amount that is less than or equal to the non-credit balance 110b displayed on the available balance display unit 510, there is no possibility that the player will be indebted.

  The transmitted credit balance 110a and non-credit balance 110b are input to the balance update unit 610 via the communication control unit 210 of the electronic money terminal device 200, and the purchase amount is sent via the communication control unit 210 of the electronic money terminal device 200. To the purchase amount notification unit 620. Then, the purchase amount is notified from the connection I / F unit 250 to the card issuing device 300 (step S5200). When the purchase amount is input to the control unit 630 via the connection I / F unit 310 of the card issuing device 300, the control unit 630 instructs the card issuing unit 360 to issue a prepaid card for the purchase amount. . In response to this instruction, the card issuing unit 360 issues a prepaid card of the amount specified by the player operating the electronic money medium 100 (step S2500).

  The control unit 630 determines whether or not the purchase amount is an appropriate amount that is equal to or less than the available balance. If the purchase amount is an inappropriate amount that exceeds the available balance, the control unit 630 determines that the electronic money terminal device 200 is used. An error message may be sent back to the electronic money medium 100 via this. It is also possible to determine whether or not the purchase price is appropriate when the purchase price is input to the input unit 520 of the electronic money medium 100.

  When the prepaid card is issued by the card issuing unit 360, the issued amount is output from the control unit 630 to the issued amount notification unit 640, and the electronic money terminal device 200 via the connection I / F unit 310 from the issued amount notification unit 640. Will be notified of the issue amount. Here, if the purchase amount entered by the player into the electronic money medium 100 is less than the available balance, the purchase amount is appropriate and a prepaid card can be issued, so the issue amount is equal to the purchase amount. .

  When the issue amount is input to the balance update unit 610 via the connection I / F unit 250 of the electronic money terminal device 200, the balance update unit 610 subtracts the issue amount from the electronic money balance, and a new electronic money balance is obtained. Calculated. Here, the electronic money balance is updated by subtracting the issued amount from the non-credit balance 110b (step S2600). The updated electronic money balance is transmitted from the communication control unit 210 to the electronic money medium 100, input to the balance writing unit 130 via the communication control unit 150 of the electronic money medium 100, and stored by the balance writing unit 130. 110 is written.

  The electronic money balance can be updated by the balance updating unit 610 from the electronic money balance and purchase amount transmitted from the electronic money medium 100. However, in order to cancel the update of the electronic money balance when the player specifies an inappropriate purchase amount exceeding the available balance, the electronic money balance and the card issuance transmitted from the electronic money medium 100 as described above It is preferable to update the electronic money balance from the issuance amount notified from the apparatus 300.

  As described above, according to the present embodiment, the electronic money medium notifies the player of the non-credit balance that can be used in a game store such as a pachinko store, and the player is notified of the range of the notified non-credit balance. Because the prepaid card purchase amount is specified in advance, only electronic money equivalent to the amount actually held as cash or financial institution account balance etc. can be used for games, and excessive immersion in games Can be prevented appropriately and efficiently, and the occurrence of multiple debtors can be suppressed. Further, since the purchase amount is designated in advance for the electronic money medium, the player can purchase a prepaid card of a desired amount by simply holding the electronic money medium over the electronic money terminal device.

  In each of the above embodiments, it is assumed that no credit balance can be used at a game store. However, in order to prevent intrusion into a game, charging by credit settlement and issuance of a prepaid card are continuously performed. What is necessary is just to prevent it being repeated. Therefore, for example, after a charge by credit settlement, if electronic money is used at least once outside the amusement store, the credit balance may be used for issuing a prepaid card.

  In this case, the electronic money medium 100 stores not only the electronic money balance but also the usage history of the electronic money, and the electronic money terminal device 200 can use the electronic money outside the amusement store after charging by credit settlement. It is determined whether or not there is an available balance. In other words, the electronic money terminal device 200 uses the total balance as an available balance when there is electronic money use outside the amusement store after the credit settlement, and when there is no electronic money use outside the amusement store. Only the non-credit balance is regarded as an available balance.

  The present invention is suitable for the case of preventing the occurrence of multiple debtors by appropriately and efficiently preventing excessive infiltration into a game.

It is a figure which shows the outline of the electronic money payment system which concerns on Embodiment 1 of this invention. 1 is a block diagram illustrating a main configuration of an electronic money medium according to Embodiment 1. FIG. It is a block diagram which shows the principal part structure of the electronic money terminal device and card issuing apparatus which concern on Embodiment 1. FIG. FIG. 3 is a flowchart showing a pricing process according to the first embodiment. It is a flowchart which shows the prepaid card issue process which concerns on Embodiment 1. FIG. It is a figure which shows the example of a message displayed on the card issuing apparatus which concerns on Embodiment 1. FIG. It is a block diagram which shows the principal part structure of the electronic money medium which concerns on Embodiment 2 of this invention. It is a block diagram which shows the principal part structure of the electronic money terminal device and card issuing apparatus which concern on Embodiment 2. FIG. FIG. 10 is a flowchart showing a pricing process according to the second embodiment. It is a flowchart which shows the prepaid card issue process which concerns on Embodiment 2. It is a block diagram which shows the principal part structure of the electronic money medium which concerns on Embodiment 3 of this invention. It is a block diagram which shows the principal part structure of the electronic money terminal device and card issuing apparatus which concern on Embodiment 3. FIG. FIG. 10 is a flowchart showing prepaid card issuance processing according to the third embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 110 Memory | storage part 120 Deposit type determination part 130 Balance writing part 140 Balance reading part 150,210 Communication control part 220 Usage purpose instruction | indication part 230,410 Available balance calculation part 240 Usage determination part 250,310 Connection I / F part 260, 610 Balance update unit 320, 520 Input unit 330, 620 Purchase amount notification unit 340, 420, 630 Control unit 350, 430 Display unit 360 Card issue unit 510 Available balance display unit 530 Purchase amount storage unit 640 Issue amount notification unit

Claims (9)

An electronic money settlement system that performs electronic money settlement by communicating between an electronic money medium that stores an electronic money balance and an electronic money terminal device,
The electronic money medium is
Determining means for determining whether or not the electronic money is valued by credit settlement;
Storage means for storing the credit balance of electronic money valued by credit settlement separately from other electronic money balances,
The electronic money terminal device
A desired usage amount receiving means for receiving an input of a desired usage amount by a player;
A calculation means for calculating an electronic money balance excluding the credit balance of the electronic money valued by credit settlement from the credit balance and the other electronic money balance as an available balance in the game store;
Updating means for subtracting and updating the desired usage amount from the other electronic money balance only when the available balance calculated by the calculation means is equal to or larger than the desired usage amount received by the desired usage amount acceptance means; An electronic money settlement system characterized by comprising: An electronic money settlement system that performs electronic money settlement by communicating between an electronic money medium that stores an electronic money balance and an electronic money terminal device,
The electronic money medium is
Determining means for determining whether or not the electronic money is valued by credit settlement;
Storage means for storing the credit balance of the electronic money valued by credit settlement separately from other electronic money balances;
A desired usage amount receiving means for receiving an input of a desired usage amount by a player,
The electronic money terminal device
A calculation means for calculating an electronic money balance excluding the credit balance of the electronic money valued by credit settlement from the credit balance and the other electronic money balance as an available balance in the game store;
Updating means for subtracting and updating the desired usage amount from the other electronic money balance only when the available balance calculated by the calculation means is equal to or larger than the desired usage amount received by the desired usage amount acceptance means; An electronic money settlement system comprising: The calculating means includes
3. The electronic money settlement system according to claim 1, wherein a non-credit balance of electronic money valued by a method other than credit settlement is calculated as the usable balance. A desired usage amount receiving means for receiving an input of a desired usage amount by a player;
Communication control means for controlling communication between the electronic money credit balance valued by credit settlement and an electronic money medium storing other electronic money balance;
A calculation means for calculating an electronic money balance excluding the credit balance of the electronic money valued by credit settlement from the credit balance and the other electronic money balance as an available balance in the game store;
Updating means for subtracting and updating the desired usage amount from the other electronic money balance only when the available balance calculated by the calculation means is equal to or larger than the desired usage amount received by the desired usage amount acceptance means; An electronic money terminal device comprising: The calculating means includes
5. The electronic money terminal device according to claim 4 , wherein a non-credit balance of electronic money valued by a method other than credit settlement is calculated as the available balance. The calculating means includes
A connection means for connecting to an external device capable of settlement by electronic money;
Recognizing means for recognizing the purpose of use of electronic money according to the type of external device connected to the connecting means,
5. The electronic money terminal device according to claim 4 , wherein an available balance corresponding to the purpose of use is calculated. The updating means includes
7. The electronic money terminal device according to claim 6 , wherein when the purpose of using electronic money is usage outside a gaming store, the usage amount is preferentially subtracted from the credit balance. The updating means includes
5. The electronic money terminal device according to claim 4 , wherein when the available balance is less than a desired usage amount by a player, neither the credit balance nor the other electronic money balance is updated. An electronic money settlement method in which an electronic money medium for storing an electronic money balance and an electronic money terminal device communicate to perform electronic money settlement,
The electronic money medium is
A determination step of determining whether or not electronic money is valued by credit settlement;
A storage step for storing the credit balance of the electronic money valued by the credit settlement separately from other electronic money balances,
The electronic money terminal device
A desired usage amount reception process for receiving an input of a desired usage amount by a player;
A calculation step of calculating an electronic money balance excluding the credit balance of the electronic money valued by credit settlement from the credit balance and the other electronic money balance as an available balance in the game store;
An update step of subtracting and updating the desired usage amount from the other electronic money balance only when the available balance calculated by the calculation step is equal to or larger than the desired usage amount received by the desired usage amount acceptance step; An electronic money settlement method characterized by comprising:

Images