JP5848107B2 - Electronic money management server, electronic money settlement processing method, and cash payment processing method - Google Patents

Description

  An electronic money management server that is communicable with a terminal of a product / service provider such as a store or bank via a communication line, and performs electronic money settlement of the prepaid card when the user uses the prepaid card to the terminal; The present invention relates to an electronic money settlement processing method and a cash payout processing method using the electronic money management server.

  Conventionally, compensation for goods and services at domestic stores has been made with cash, credit cards, debit cards, and the like. In recent years, contactless IC cards in which IC chips are embedded and mobile terminals in which IC chips are embedded have become widespread, and the number of cases where payments are made at stores using the IC cards and mobile terminals has increased. It is coming.

  On the other hand, for example, when a person living in Japan travels abroad, the payment for the goods and services at the overseas store is mostly not possible with the IC card or mobile terminal used in the country. For this reason, it is mainly done with cash or Japanese yen credit cards.

JP 2009-301561 A

  Here, when paying in cash, it is necessary to convert the Japanese yen into a foreign currency in advance, and this exchange requires a predetermined foreign currency exchange fee (increase the exchange rate by the amount of the relevant fee) at the bank or currency exchange merchant. Including the case of making them). In addition, this foreign currency exchange fee is not a reasonable amount because it is set in consideration of the risk when there is a sudden exchange rate fluctuation.

  When paying with a credit card, the payment amount in a foreign currency is converted into Japanese yen according to the exchange rate, and the credit card owner pays the converted amount to the card company. Here, as the exchange rate, an exchange rate at the time of purchase of a product etc. in a foreign country or an exchange rate on a predetermined settlement date of the credit card is used, but this standard differs depending on the card company. For this reason, after completing payment by credit card, the exchange rate may fluctuate rapidly, and in some cases, the Japanese yen will be paid to the card company much higher than the amount planned at the office. Thus, when paying with a credit card, the final payment may not be made at the intended exchange rate. Further, the exchange rate includes a foreign currency exchange fee, and this foreign currency exchange fee is not a reasonable amount like a bank or a money changer.

  Further, in the case of making a payment with a credit card, the credit card is handed over to a store clerk, and the store clerk causes the dedicated reader connected to the store terminal to read the information on the credit card. In addition, the credit card owner inputs a personal identification number into the reader or its associated device. The store terminal transmits the card information read by the reading device, the amount related to the settlement, and the personal identification number to the card company that issued the card, and the card company authenticates the payment. Here, the card information and PIN may be stolen by a dedicated device or the like installed in the store terminal or the reading device. If the card information is stolen, the card is forged, within the limit of the card There is a risk of other people using the card. For this reason, some people refrain from using credit cards and pay mainly by cash.

  However, to pay foreign currency by cash, you must carry the cash. Moreover, although it is still good if it is a small amount, it is not preferable to carry a large amount of cash in the first place, so it is difficult to say that paying mainly with cash is also a safe method. Also, foreign currency used only while traveling is different from the familiar local currency, so it is difficult to instantly determine the amount of each banknote or coin, so there is no need to determine the amount of each banknote or each coin. Credit cards are more convenient in that respect.

  In addition, if a person living in Japan needs cash in the country, he / she can insert his / her bank card into an automated teller machine (hereinafter referred to as ATM) at a nearby bank, You can withdraw your cash. For this reason, the necessity of carrying a large amount of cash for a long time in the country is reduced. However, since there are few ATMs that can use bank cards of Japanese banks in foreign countries, it is necessary to rely on credit cards or carry large amounts of cash for a long time when mainly using cash.

  The present invention has been made to solve such a problem, and enables payment at a desired exchange rate and reduction of the amount of cash carried, and the amount of each banknote or coin of foreign currency. It is an object of the present invention to provide an electronic money management server, an electronic money settlement processing method, and a cash payout processing method that can release a payer from the trouble of determining each time.

  In order to achieve the above object, according to the main aspect of the present invention, the prepaid card of the second user transmitted from the terminal is communicable with the terminal of the first user through the communication line. An electronic money management server that processes electronic money settlement between the second user and the first user based on card identification information and payment information by the prepaid card, wherein the electronic money management server 2, a contract master storing the user identification information, the card identification information, and the expiration date of the prepaid card, and a plurality of electronic money of the second user linked to the card identification information. An account data storage unit for storing electronic money of different currency types in each electronic money account. Receiving the card identification information transmitted by the terminal, the authentication means for performing authentication based on the contract master, the currency type and the payment amount transmitted as the payment information by the terminal, A balance determination means for determining whether there is a balance for paying the payment amount in the electronic money account of the currency type associated with the card identification information and stored in the account data storage unit; When receiving the card identification information and the payment information, the authentication result and the remaining amount from the relay server or the terminal that relays transmission of the card identification information and the payment information from the terminal to the electronic money management server. When the transmission request for the determination result of whether or not there is received, the authentication result and the determination result are sent to the relay server or the terminal to the relay server or the terminal. And a holding means for holding for payment the amount of electronic money corresponding to the amount of payment in the electronic money account of the currency type, and linked to the payment information from the relay server or the terminal When the received settlement request and settlement amount are received, it is determined whether or not the settlement amount matches the amount of electronic money in the electronic money account held for payment by the hold means. An electronic money management server comprising: a payment means for reducing the remaining amount of electronic money in the electronic money account of the currency type by the amount of the payment.

  According to another main aspect of the present invention, the first money transmitted from the terminal to the electronic money management server using the electronic money management server that can communicate with the terminal of the first user via a communication line. An electronic money settlement processing method for processing electronic money settlement between the second user and the first user based on card identification information of the prepaid card of the user 2 and payment information by the prepaid card, The electronic money management server includes a contract master storing the second user information, the card identification information, and an expiration date of the prepaid card, and the electronic money of the second user. An account data storage unit associated with the card identification information and stored in a plurality of electronic money accounts, wherein each electronic money account has an electronic money of a different currency type. The electronic money management server receives the card identification information transmitted by the terminal and performs authentication based on the contract master. An authentication step to be performed, and the terminal receives the currency type and payment amount transmitted as the payment information, and is associated with the card identification information and stored in the account data storage unit in the currency type electronic money account A remaining amount determining step for determining whether or not there is a remaining amount for paying the payment amount, and the card from the terminal to the electronic money management server when receiving the card identification information and the payment information from the terminal From the relay server or the terminal that relays the transmission of the identification information and the payment information, a transmission request for a determination result as to whether or not the authentication result and the remaining amount are present. And transmitting the authentication result and the determination result to the relay server or the terminal to the relay server or the terminal, and the electronic money of the amount corresponding to the payment amount in the electronic money account of the currency type A hold step for holding for payment, and upon receipt of the payment request and the payment amount associated with the payment information from the relay server or the terminal, the payment amount and the electronic device held for payment by the holding means A settlement step of determining whether or not the amount of electronic money in the money account matches, and reducing the remaining amount of electronic money in the currency type electronic money account by the amount of the settlement if it matches An electronic money settlement processing method is provided.

  As described above, in the present invention, the electronic money management server stores the electronic money of the second user in a plurality of electronic money accounts in association with the card identification information of the prepaid card of the second user. Stores electronic money of different currency types in each electronic money account. For this reason, for example, when there are three electronic money accounts of the prepaid card, electronic money in US dollars is stored in one electronic money account, electronic money in Canadian dollars is stored in one electronic money account, and There is a case where Japanese yen electronic money is stored in one electronic money account. In this way, since electronic money of different currency types is held in a plurality of electronic money accounts, the electronic money of the electronic money account corresponding to the foreign currency to be paid is used when paying in the foreign currency. This makes it possible to make payments without being affected by exchange rate fluctuations. Furthermore, when the exchange rate is changed to the electronic money of the foreign currency at the desired exchange rate and the electronic money is held in each electronic money account, payment at the desired exchange rate becomes possible.

  The electronic money management server receives and authenticates the card identification information of the second user transmitted by the terminal of the first user, and receives the currency type and the payment amount as the payment information transmitted by the terminal. Then, it is determined whether or not the remaining amount for paying the payment amount is in the electronic money account of the currency type associated with the card identification information of the second user's prepaid card. Further, upon receiving a transmission request for the determination result whether the authentication result and the remaining amount are present from the relay server or the terminal, the electronic money management server sends the authentication result and the determination result to the relay server or the terminal. Is transmitted to the relay server or the terminal, and the electronic money of the amount corresponding to the payment amount in the electronic money account of the currency type is held for the payment, and then the payment is made from the relay server or the terminal. When the settlement request and settlement amount associated with the information are received, it is determined whether or not the settlement amount and the amount of electronic money in the electronic money account held for the payment by the holding means match. If they match, the remaining amount of electronic money in the electronic money account of the currency type is reduced by the amount of the settlement. Thus, since the electronic money in the electronic money account of the currency type is held by the amount of payment, when other payment information is received before receiving the settlement request, the payment of the electronic money account It is possible to accurately grasp the possible balance (remaining amount excluding the hold amount).

  In addition, as described above, since the amount that can be paid by the prepaid card is within the range of the amount stored in each electronic money account, the card identification information is temporarily stored in the reading device of the store terminal. Even if the device is stolen, the amount of damage can be within the amount stored in each electronic money account. On the other hand, since the debit card is a card linked directly to the bank account, the damage amount may be enormous if the card identification information of the debit card is stolen. Since the user often deposits the money account with the intention of short-term use, the amount of damage can be reduced.

  In addition, since the electronic money in each country currency is stored in each of the plurality of electronic money accounts linked to the card identification information of the prepaid card, even when traveling continuously in a plurality of countries, There is no need to carry cash for a long time. Further, since it is possible to make payment in each country with one prepaid card, the payer can be released from the trouble of determining the amount of unfamiliar banknotes and coins in each country to travel.

  In order to achieve the above object, according to still another main aspect of the present invention, communication with a terminal possessed by a first user via a communication line is possible. An electronic money management server that performs a cash payout process to the second user via the terminal based on card identification information of the prepaid card and cash payout information by the prepaid card, A contract master that stores the second user information, the card identification information, and the expiration date of the prepaid card in association with each other, and the second user's electronic money is associated with the card identification information. An account data storage unit for storing in a plurality of electronic money accounts, wherein each electronic money account stores electronic money of a different currency type. A data storage unit, receiving the card identification information transmitted by the terminal, receiving authentication means for performing authentication based on the contract master, receiving the currency type and the amount to be paid by the terminal as the cash payout information, A remaining amount determining means for determining whether or not there is a remaining amount to be paid out in the electronic money account of the currency type associated with the card identification information and stored in the account data storage unit; When receiving the card identification information and the cash payout information from the terminal, the payout from the relay server or the terminal that relays the transmission of the card identification information and the cash payout information from the terminal to the electronic money management server When a payment request in amount is received, the card identifying information is authenticated by the authenticating means, and the remaining amount determining means determines that there is a remaining amount Payment means for reducing the balance of the electronic money in the electronic money account of the currency type by the amount of the payout amount, and an amount obtained by subtracting the payout amount or the payout amount from the electronic money account by the payment means There is provided an electronic money management server, characterized in that it has a payout instruction transmitting means for transmitting an instruction for paying out the cash to the terminal.

  According to still another main aspect of the present invention, an electronic money management server that can communicate with a terminal of a first user via a communication line is used to transmit the terminal to the electronic money management server. A cash payout processing method for performing a cash payout process to the second user via the terminal based on card identification information of a prepaid card of a second user and cash payout information by the prepaid card, the electronic money The management server includes a contract master storing the second user information, the card identification information, and an expiration date of the prepaid card, and the card identification of the electronic money of the second user. An account data storage unit that stores information in a plurality of electronic money accounts in association with information, and stores electronic money of different currency types in each electronic money account. The electronic money management server receives the card identification information transmitted by the terminal and performs authentication based on the contract master. Receiving the process and the currency type and the amount to be sent out as the cash payout information, linked to the card identification information and stored in the account data storage unit to the currency type electronic money account A remaining amount determining step for determining whether or not there is a remaining amount for paying out the payout amount, and when receiving the card identification information and the cash payout information from the terminal, from the terminal to the electronic money management server From the relay server or the terminal that relays the transmission of the card identification information and the cash payout information, a settlement request with the payout amount is received, and the authentication step When the card identification information is authenticated and the remaining amount determining step determines that there is a remaining amount, the settlement step of reducing the balance of the electronic money in the electronic money account of the currency type by the amount of the payout amount, and A payout instruction transmitting step of sending an instruction for causing the terminal to pay out the cash out of the electronic money account or an amount of cash obtained by subtracting a predetermined fee from the electronic money account in a settlement step. A cash withdrawal processing method is provided.

  As described above, in the present invention, the electronic money management server stores the electronic money of the second user in a plurality of electronic money accounts in association with the card identification information of the prepaid card of the second user. Stores electronic money of different currency types in each electronic money account. For this reason, for example, when there are three electronic money accounts of the prepaid card, electronic money in US dollars is stored in one electronic money account, electronic money in Canadian dollars is stored in one electronic money account, and There is a case where Japanese yen electronic money is stored in one electronic money account. In this way, since electronic money of different currency types is held in a plurality of electronic money accounts, when cash is paid out in a foreign currency, the electronic money in the electronic money account corresponding to the foreign currency to be paid out is used. By using it, cash can be obtained without being affected by exchange rate fluctuations. Furthermore, it is possible to receive cash exchanged at the desired exchange rate by exchanging the electronic money in the foreign currency at the desired exchange rate and holding the electronic money in each electronic money account. Become.

  The electronic money management server receives and authenticates the card identification information of the second user transmitted by the terminal possessed by the first user, and determines the currency type and the amount to be paid out as the cash withdrawal information transmitted by the terminal. It is determined whether or not the amount for paying out the payout amount is in the electronic money account of the currency type associated with the card identification information of the prepaid card of the second user. Subsequently, when the card identification information is authenticated and it is determined that there is a remaining amount, the balance of electronic money in the electronic money account of the currency type is reduced by the amount of payment, and the amount of payment or the amount of payment An instruction for paying out an amount of cash obtained by subtracting a predetermined fee from the amount is transmitted to the terminal.

  Thus, since the amount that can be paid out by the prepaid card is within the range of the amount stored in each electronic money account, even if the card identification information is stolen, It can be within the amount of money stored in the money account. Here, since the bank cash card is a card directly linked to the bank account, if the card identification information of the cash card or the like is stolen, the damage amount may become enormous. Since it is considered that most of the electronic money accounts are deposited by the user with the intention of short-term use, the amount of damage can be suppressed.

  In addition, since the electronic money of each country is stored in each of the plurality of electronic money accounts linked to the card identification information of the prepaid card, even when traveling continuously in a plurality of countries, a large amount of cash in each country's currency Need not be carried for a long time. Furthermore, it becomes possible to withdraw cash in each country with one prepaid card.

  Further, according to the embodiment of the present invention, when the card identification information and the payment information are received from the terminal, a settlement request with the amount of the price is received from the relay server or the terminal, and the authentication means When the card identification information is authenticated and the remaining amount determining unit determines that there is a remaining amount, a single settlement unit that reduces the remaining amount of electronic money in the electronic money account of the currency type by the amount of the settlement amount. Furthermore, an electronic money management server is provided.

  According to another embodiment of the present invention, when the card identification information is authenticated by the authentication unit and the remaining amount determining unit determines that there is a remaining amount, the administrator of the electronic money management server owns the card identification information. To the bank server that manages the bank account owned by the administrator, an instruction to transmit the cash of the settlement amount or cash obtained by subtracting a fee from the settlement amount to the bank account of the first user from the bank account There is provided an electronic money management server further comprising a bank settlement processing means for transmitting.

  According to still another embodiment of the present invention, the electronic money management server can communicate with a server of a trader providing a foreign exchange transaction system via a communication line, and the foreign exchange transaction system includes the A fund account data storage unit for storing funds of a second user in a plurality of fund accounts, wherein the fund account data storage unit stores funds of different currency types in each fund account; In order to transfer the funds of the account to the electronic money account of the electronic money management server, it has transfer transmission means for transmitting information of the fund account to be transferred and the transfer amount to the electronic money management server, The electronic money management server receives information on the fund account to be transferred and the transfer amount transmitted by the transfer transmitting means, and funds to be transferred Those further comprising a transfer reception unit for increase the balance of electronic money account currency type corresponding to the information of the seat by the amount of the transfer amount.

  According to still another embodiment of the present invention, the electronic money management server is a second user information receiving means for receiving at least information relating to the card identification information or the payment information from a terminal of the second user. And a matching means for judging whether or not the information received by the second user information receiving means corresponds to the card identification information or the payment information received from the terminal, the hold means, When it is determined by the matching means to correspond, the amount of electronic money corresponding to the amount of money in the electronic money account of the currency type is held for the money.

  According to still another embodiment of the present invention, the electronic money management server is a second user information receiving means for receiving at least information relating to the card identification information or the payment information from a terminal of the second user. And matching means for determining whether or not the information received by the second user information receiving means corresponds to the card information or the payment information received from the terminal, the settlement means, When it is determined that the matching means supports, the remaining amount of electronic money in the electronic money account of the currency type is reduced by the amount of the settlement.

  According to still another embodiment of the present invention, the electronic money management server receives at least second card information or information relating to the cash payout information from a terminal of the second user. Means for determining whether or not the information received by the second user information receiving means corresponds to the card identification information or the cash payout information received from the terminal, and the settlement means Is to reduce the remaining amount of the electronic money in the electronic money account of the currency type by the amount of the payout when it is determined that the matching means corresponds.

  According to the present invention, it is possible to pay at a desired exchange rate and reduce the amount of cash to be carried, and to release the payer from the trouble of determining the amount of each foreign currency banknote or coin. Can do.

  Still other features and remarkable effects of the present invention will be understood by those skilled in the art by referring to the embodiments and drawings described in the Best Mode for Carrying Out the Invention below.

The figure which shows schematic structure of the electronic money payment system which concerns on 1st Embodiment of this invention. The figure which shows schematic structure of the terminal A The figure which shows schematic structure of the terminal B The figure which shows schematic structure of an electronic money management server Example of contract master Conceptual diagram of account data Customer master example Front view of prepaid card Example of display screen of terminal B Example of account data Flow chart showing processing in terminal A, terminal B, relay server, and electronic money management server Example of sales information Example of account data Example of account data The figure which shows schematic structure of the terminal A which concerns on 2nd Embodiment of this invention. Flow chart showing processing in terminal A, terminal B, relay server, and electronic money management server The figure which shows schematic structure of the terminal A which concerns on 3rd Embodiment of this invention. Example of account data Flow chart showing processing in terminal A, relay server, and electronic money management server

  First, an electronic money management system according to a first embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a diagram showing a schematic configuration of an electronic money management system according to the first embodiment of the present invention. This system includes, for example, a terminal A owned by a user A (first user) who is a store as a seller and an owner of the store, and a terminal B owned by a user B (second user) as a buyer, Each terminal A, B has an electronic money management server (hereinafter simply referred to as a management server) 300 capable of communicating via a communication line such as the Internet or a mobile communication network. In this embodiment, the relay server 400 provided by the card company is provided between the electronic money management server and the terminal A. However, the relay server 400 is omitted, and data is directly transmitted between the electronic money management server 300 and the terminal A. You may communicate. Terminals A and B may be cellular phones having the same functions as personal digital assistants (PDAs) and personal computers (PCs), and may be desktop or laptop PCs, which are server devices. It may be a computer device such as a POS terminal, or another known computer device. In this embodiment, the terminal A is a server device for online sales, and the terminal B is a mobile phone having a function equivalent to that of a PC. Note that illustration and description of well-known configurations such as a firewall and a Web server are omitted.

  FIG. 2 is a diagram showing a schematic configuration of the terminal A (server apparatus for online sales) according to the present embodiment. As shown in FIG. 2, the terminal A has a communication interface including a CPU 110, a RAM 120, a display device 130 such as a liquid crystal display, a connector, and a communication protocol stack for communication using the Internet network or the like. It has a communication unit 140, a sales information storage unit 150, and a program storage unit 160 for storing various programs.

  The terminal A includes a program storage unit 160 that includes a sales screen display processing unit 161 that causes the terminal A to perform a predetermined operation, a payment information transmission processing unit 162, and a settlement processing unit 163. These functions will be described later along with an example of processing (see FIG. 11) performed by the terminal A, the terminal B, the relay server 400, and the management server 300.

  FIG. 3 is a diagram showing a schematic configuration of a terminal B (a mobile phone having a function equivalent to a PC) according to the present embodiment. As shown in FIG. 3, the terminal B includes a CPU 210, a RAM 220, a display device 230 such as a liquid crystal display, a communication antenna, and a communication protocol stack for communication using a mobile communication network or the Internet network. Communication unit 240 having a communication interface, an antenna for near field communication (NFC), a communication protocol stack for near field communication, and a communication interface included therein Unit 250, a well-known touch-panel input device 260 that accepts input by touching the display device 230 with a finger, a card identification information storage unit 271, an application storage unit 272, and various programs And a program storage unit 280.

  The terminal B includes a program storage unit 280 that includes a card identification information transmission processing unit 281 that causes the terminal B to perform a predetermined operation, and a payment information transmission processing unit 282. These functions will be described later along with an example of processing (see FIG. 11) performed by the terminal A, the terminal B, the relay server 400, and the management server 300.

  FIG. 4 is a diagram showing a schematic configuration of an electronic money management server (hereinafter referred to as a management server) 300 according to the present embodiment. The management server 300 includes a communication unit including a CPU 310, a RAM 320, a display device 330 such as a liquid crystal display, a connector, and a communication protocol stack for communication using the Internet network or a dedicated line. 340, contract master storage unit 350, account data storage unit 360 for storing electronic money account data, application storage unit 370 for storing member applications, and programs for storing various programs A storage unit 380.

  The contract master storage unit 350 of the management server 300 stores the user (member) information (name, name, nickname, e-mail address, secret question answer, etc.), login ID, password, and account number (card number) of the electronic money account. The contract master 351 illustrated in FIG. 5 is associated with the personal identification number, security code, expiration date, and the like. Further, as illustrated in FIG. 6, the account data storage unit 360 stores an electronic money account in association with a card number (one of card identification information) of a prepaid card described later. Note that the account data storage unit 360 can store a plurality of electronic money accounts for each card number, and each electronic money account stores electronic money of a different currency type. . Each electronic money account stores an account balance and a history of money transfer.

  The management server 300 includes a member registration processing unit 381, a member screen display processing unit 382, a prepaid card issuance processing unit 383, payment information, and the like that cause the program storage unit 380 to perform predetermined operations on the program storage unit 380. A reception processing unit 384 and a settlement processing unit 385 are provided. These functions will be described later along with an example of processing (see FIG. 11) performed by the terminal A, the terminal B, the relay server 400, and the management server 300.

  The relay server 400 is managed by an international card company such as VISA (registered trademark) or MASTERCARD (registered trademark). The relay server 400 includes a communication unit 410 having a communication interface including a connector and a communication protocol stack for communication using the Internet network, a dedicated line, and the like, and a terminal A to the management server 300 as described later. A transmission / reception processing unit 420 for relaying transmission of card identification information and payment information and transmission of authorization data from the management server 300 to the terminal A;

  As shown in FIG. 1, the management server 300 is also communicably connected to a foreign exchange trading system 500 of a foreign exchange trader (such as a trader providing a foreign exchange margin trade). The foreign exchange transaction system 500 includes a communication unit 510 having a communication interface including a CPU, a RAM, a connector, a communication protocol stack for communication using the Internet network, a dedicated line, and the like, and a customer master storage unit 520. A transaction account data storage unit 530 for storing data of each customer's transaction account, and a program storage unit 540 for storing various programs.

  The customer master storage unit 520 of the forex trading system 500 uses user (member) information (name, name, nickname, e-mail address, secret question answer, etc.) as login ID, password, trading account number of trading account, etc. It has the customer master 521 as illustrated in FIG. Moreover, the transaction account data storage part 530 memorize | stores the transaction account linked | related with the transaction account number which is one of the transaction account information mentioned later so that it may illustrate in FIG. The trading account data storage unit 530 can store a plurality of trading accounts for each trading account number, and when a plurality of trading accounts are stored for a certain trading account number, Each trading account stores funds of different currency types. Each transaction account stores an account balance history.

  The foreign exchange transaction system 500 includes a program screen display unit 540 and a member screen display processing unit 541 for causing the foreign exchange transaction system 500 to perform a predetermined operation, and a transfer processing unit 542. These functions will be described later.

  An example in which the user B having the terminal B opens an electronic money account on the management server 300 will be briefly described. First, the user B accesses the management server 300 by a computer such as the terminal B and requests display of the member registration screen, and in response to this, the display device on the terminal B uses data from the member registration processing unit 381 of the management server 300. A member registration screen is displayed at 230. Then, according to the screen displayed on the terminal B, the user B inputs necessary items such as name, name, nickname, e-mail address, secret question answer, password, and the input items are transmitted to the management server 300. . As a result, the user B information is stored in the contract master 351 of the contract master storage unit 350, the user B becomes a member, the login ID, the password, the account number of the electronic money account, and the like corresponding to this The card number of the prepaid card is notified. In the present embodiment, the same number is used for the account number and the card number.

  Then, the actual prepaid card is mailed to the user B. As shown in FIG. 8, this prepaid card has a card number, an expiration date, a name, etc. written on it, and a security code on the back. An international card company mark indicating that the relay server 400 can be used at a member store of the international card company is also described.

  On the other hand, the user B can access the member screen provided by the member screen display processing unit 382 of the management server 300 by using the login ID and the password. As shown in FIG. 9, the member screen display processing unit 382 can display the same information as that described on the actual prepaid card on the screen. A masking BL is displayed on a part of the card number and a part of the security code, and a part of the card number and a part of the security code are hidden by the masking BL. Then, when a position corresponding to the masking BL on the display screen 230 is touched with a finger, a part of the card number or a part of the security code hidden by the disappearance of the masking BL can be seen. When the terminal B is a PC, the masking BL can be configured to disappear when the position of the pointer is set to the masking BL.

  Further, as shown in FIG. 10, the member screen display processing unit 382 can display the account data of each electronic money account of the user B on the display screen of the user B terminal B or the like. Further, when the user B is a member of the foreign exchange transaction system 500 and has the login ID, password, and transaction account, the electronic money is transferred to each electronic money account by, for example, transfer from the foreign exchange transaction system 500. It is possible. In this case, in the contract master 351 of the management server 300, information related to the user B's transaction account in the foreign exchange transaction system 500, for example, a transaction account number, is stored in association with the user B's electronic money account information. User B can access the member screen provided by the member screen display processing unit 541 of the foreign exchange transaction system 500 by using the login ID and the password. The member screen display processing unit 541 can display the account data of each transaction account, and transfers the amount of the balance of the account data that is not used for foreign exchange transactions to each electronic money account of the user B. It can be instructed.

  For example, when the user B instructs transfer of a predetermined amount from a US dollar transaction account among the respective transaction accounts, the foreign exchange transaction system 500 reduces the predetermined amount from the US dollar transaction account by the transfer processing unit 542. In addition, information such as the user B's transaction account number, transfer amount, and transfer instruction is transmitted to the management server 300. The management server 300 receives the information and adds the transfer amount to the currency corresponding to the electronic money account corresponding to the transaction account number received in the contract master, that is, the US dollar electronic money account. In this way, it is possible to deposit electronic money into each electronic money account.

  Subsequently, along with an example of processing (see FIG. 11) performed by terminal A, terminal B, relay server 400, and management server 300, user B (buyer) purchases product X from user A (seller), and the price Will be described in the case where the payment is made by electronic money stored in the management server 300.

  First, the user B views the sales screen displayed on the display device 230 of the terminal B by the sales screen display processing unit 161 of the terminal A, decides to purchase the product X, and inputs the decision with the touch panel type input. When data is input to terminal B by device 260, the input data is transmitted from terminal B to terminal A. Then, the payment information etc. transmission processing unit 162 of the terminal A displays a screen for selecting the payment method on the display device 230 of the terminal B. As a payment method, bank transfer, payment at a convenience store, payment by electronic money, etc. can be selected. In this case, when the user B selects payment by electronic money, the payment information transmission processing unit 162 displays the payment amount necessary for purchasing the product X on the display device 230 of the terminal B, and the display device. On 230, input of card identification information of the prepaid card possessed by user B is requested. Note that the displayed payment amount may include the amount of the fee for the product X and the amount of the fee on the management server 300 side. For example, when the price of the product X is 35 US dollars and this fee is 1 US dollar, they are displayed on the display device 230. When the user B inputs a card number or a security code as the card identification information of the prepaid card and a request for transmission of these information is received by the touch panel type input device 260, the terminal B transmits the card identification information to the terminal A. (Step S1).

  Subsequently, the terminal A stores the sales information in which the card identification information, the price of the product X, and the currency type are associated with each other in the sales information storage unit 150 (step S2). This sales information is, for example, as shown in FIG. Subsequently, the terminal A sends the data including the information of the user A, the card identification information, the payment amount for the product X (the amount of money, the amount of the fee, etc.) and the currency type to the relay server 400. Transmit (step S3). At this time, the terminal A also transmits to the relay server 400 a request for transmission of a determination result of authentication performed in step S6 described later and a determination result of whether there is a remaining amount performed in step S7.

  The relay server 400 uses the transmission / reception processing unit 420 to determine whether the user A is a member store of an international brand card company that manages the relay server 400 based on the information of the user A received from the terminal A; Based on the card identification information received from terminal A, user B's prepaid card is authenticated (step S4). When the user A is a member store in step S4 and the card information of the prepaid card is authenticated, the relay server 400 causes the transmission / reception processing unit 420 to use the card identification information, the payment amount for the product X, and its currency type. Then, data including a determination result transmission request is transmitted to the management server 300 (step S5).

  The management server 300 receives the data transmitted from the relay server 400 by the payment information reception processing unit 384 and authenticates the user B's prepaid card corresponding to the received card identification information based on the contract master 351 ( Step S6). In other words, the presence / absence of a contractor corresponding to the received card number or security code, its expiration date, and the like are confirmed. If predetermined conditions are satisfied, the card identification information is authenticated.

  Subsequently, the management server 300 has a remaining amount for paying the payment amount to an electronic money account corresponding to the currency type received from the relay server 400 among the electronic money accounts of the user B by the payment information reception processing unit 384. Whether or not (step S7). When the prepaid card of user B is authenticated in step S6 and it is determined that there is a remaining amount in step S7, the management server 300 determines the currency type received from the relay server 400 by the payment information reception processing unit 384. An amount corresponding to the payment amount among the remaining amount of the corresponding electronic money account is held for the payment (step S8). For example, as shown in FIG. 13, the hold includes the card identification information received from the relay server 400 in the account data of the corresponding electronic money account, the payment amount of the product X (the amount of money, the amount of the fee, etc.) In addition to adding information such as currency type, the usage status is set to hold. By holding in this way, the user B cannot use the held portion of the balance of the electronic money account corresponding to the currency type for other payments.

  Subsequently, based on the determination result transmission request received from the relay server 400, the management server 300 transmits to the relay server 400 the determination result of steps S6 and S7 and the hold processing performed in step S8 (step S9). ), Relay server 400 transmits the determination result and the fact that the hold process has been performed to terminal A (step S10).

  Subsequently, when the terminal A receives the determination result or the hold process from the relay server 400, the terminal A stores the hold date in the sales information as shown in FIG. 12 (step S11). Subsequently, the terminal A waits for the shipping process of the product X.

  Here, there is a case where the product X takes several days for shipping, or a case where the product X is out of stock and takes time to ship. During these periods, user B waits for a product to be sent. At this time, the payment amount of the product X is held in the electronic money account of the user B, but the remaining amount is not actually reduced. That is, by releasing the hold, the user B can use the held amount in the electronic money account again. In addition, the management server 300 according to the present embodiment can automatically release the hold when a predetermined period (for example, one month) elapses from the hold and notify the terminal B via the relay server 400 to that effect. .

  Subsequently, when the terminal A accepts data for shipping processing of the product X to the user B (data indicating that shipping has been completed, etc.), the settlement processing unit 163 causes the settlement amount of the product X and the currency type thereof to be settled. Then, the settlement request associated with them is transmitted to the relay server 400 (step S12), and the relay server 400 transmits the settlement request and the like to the management server 300 (step S13).

  Subsequently, the management server 300 makes a settlement judgment by the settlement processing unit 385 as to whether or not the amount and currency type held in step S8 match the settlement amount and currency type transmitted in step S13. (Step S14), if they match, a reduction process is performed to reduce the remaining amount of electronic money in the electronic money account of the currency type by the amount of payment (step S15). That is, the account data of the corresponding electronic money account is processed as shown in FIG.

  Subsequently, the management server 300 uses the bank account owned by the user B or the relay server 400 from the bank account owned by the manager of the management server 300 (including the company that manages the cash) of the amount reduced in step S15. A remittance instruction for remittance to a bank account held by the international card company which is the managing company is transmitted to the bank server managing the bank account owned by the manager of the management server 300 (step S16). Here, the remittance from the bank account owned by the administrator (including the company managed) of the management server 300 to the bank account held by the international card company that is the management company of the relay server 400 is performed by, for example, the terminal B When the actual cash settlement is performed between the user B and the international card company that is the administrator of the relay server 400, and the actual cash settlement is performed between the international card company and the management company of the management server 300 Used for. Note that the processing contents and determination results in steps S14 to S16 are appropriately transmitted to the relay server 400, the terminal A, and the terminal B.

  In step S13, the payment request is issued from the terminal B. On the other hand, actual cash settlement is performed between the user B of the terminal B and the international card company that is the administrator of the relay server 400, and the actual payment is made between the international card company and the management company of the management server 300. For example, when a cash settlement is performed, the relay server 400 can create the settlement request in step S13 and transmit it to the management server 300.

  As described above, in this embodiment, the management server 300 stores the electronic money of the user B in a plurality of electronic money accounts in association with the card identification information of the prepaid card of the user B, and the account data storage unit 360 The electronic money of different currency types is stored in each electronic money account. Therefore, for example, when there are three card electronic money accounts of the prepaid card, US dollar electronic money is stored in one electronic money account, Canadian dollar electronic money is stored in one electronic money account, There is a case where Japanese yen electronic money is stored in another electronic money account. In this way, since electronic money of different currency types is held in a plurality of electronic money accounts, the electronic money of the electronic money account corresponding to the foreign currency to be paid is used when paying in the foreign currency. This makes it possible to make payments without being affected by exchange rate fluctuations. Furthermore, when the exchange rate is changed to the electronic money of the foreign currency at the desired exchange rate and the electronic money is held in each electronic money account, payment at the desired exchange rate becomes possible.

  The management server 300 receives and authenticates the card identification information of the user B transmitted from the terminal A of the user A, and receives the currency type and the payment amount as the payment information transmitted from the terminal A. Then, it is determined whether or not the remaining amount for paying the payment amount is in the electronic money account of the currency type associated with the card identification information of the user B's prepaid card. Further, when receiving a transmission request for the determination result whether the authentication result and the remaining amount exist from the relay server 400 or the terminal A, the management server 300 sends the authentication result and the relay server 400 or the terminal A to the authentication result and The determination result is transmitted to the relay server 400 or the terminal A, and the amount of electronic money corresponding to the amount of payment in the electronic money account of the currency type is held for the payment, and then the relay server 400 Alternatively, when the settlement request and the settlement amount associated with the payment information are received from the terminal A, the settlement amount and the amount of electronic money in the electronic money account held for the payment by the holding means are one. And if it matches, the balance of the electronic money in the electronic money account of the currency type is the settlement amount. It is reduced by the amount. Thus, since the electronic money in the electronic money account of the currency type is held by the amount of payment, when other payment information is received before receiving the settlement request, the payment of the electronic money account It is possible to accurately grasp the possible balance (remaining amount excluding the hold amount).

  Further, as described above, since the amount payable by the prepaid card is within the range of the amount stored in each electronic money account, the card identification information is temporarily stored in the reading device of the store terminal A. Even if the device is stolen, the damage amount can be within the range of the amount stored in each electronic money account. On the other hand, since the debit card is a card linked directly to the bank account, the damage amount may be enormous if the card identification information of the debit card is stolen. Since the user often deposits the money account with the intention of short-term use, the amount of damage can be reduced.

  In addition, since the electronic money in each country currency is stored in each of the plurality of electronic money accounts linked to the card identification information of the prepaid card, even when traveling continuously in a plurality of countries, There is no need to carry cash for a long time. Further, since it is possible to make payment in each country with one prepaid card, the payer can be released from the trouble of determining the amount of unfamiliar banknotes and coins in each country to travel.

  In the present embodiment, the amount and currency held in step S8 in step S14 in a state where the card identification information is authenticated in step S6 and it is determined that there is a remaining amount in step S7. If it is determined that the type matches the settlement amount transmitted in step S13 and the currency type, the bank account owned by the user A from the bank account owned by the administrator of the management server 300 or the management company of the relay server 400 Bank settlement processing means for transmitting an instruction to remit the settlement amount or an amount obtained by subtracting a fee from the settlement amount to the bank account held by the administrator to a bank server that manages the bank account owned by the administrator . Thus, the user A or the management company of the relay server 400 can receive cash settlement. In other words, it is more convenient for the user A or the management company of the relay server 400 to receive payment in cash than to receive payment in electronic money that the management server 300 has.

  In the present embodiment, the management server 300 can communicate with the foreign exchange transaction system 500 via a communication line. The foreign exchange transaction system 500 includes a transaction account data storage unit 530 that stores user B's funds in a plurality of transaction accounts, and the transaction account data storage unit 530 stores funds of different currency types in each transaction account. In order to transfer the funds of each transaction account to the electronic money account of the management server 300, information on the transaction account to be transferred and the transfer amount are transmitted to the management server 300. In addition, the management server 300 receives the information on the transaction account that performs the transfer and the transfer amount transmitted by the transfer, and determines the balance of the electronic money account of the currency type corresponding to the information on the fund account that performs the transfer. Increase by the amount of the transfer. Here, the foreign exchange transaction system 500 and the management server 300 are convenient tools for the user B in exchanging Japanese yen into a foreign currency and exchanging from a foreign currency into another foreign currency. This is because the exchange fee in the foreign exchange transaction system 500 can be made cheaper than that of the bank, and the exchange in the foreign exchange transaction system 500 and the transfer to the management server 300 are performed by the terminal B. This is because it is possible to use it. Thereby, it becomes possible to reduce the expense and time concerning exchange.

  In the present embodiment, the management server 300 receives at least the card identification information or information about the payment information (for example, payment amount, currency type, etc.) from the terminal B of the user B, and the authentication in step S6 It is also possible to determine whether the information from the terminal B corresponds to the card identification information from the terminal A or the payment information together with the determination as to whether there is a remaining amount in step S7. Then, when it is determined that the information from the terminal B corresponds to the card identification information from the terminal A or the payment information, the hold in step S8 and the reduction process in step S14 are performed. Is also possible. As described above, when the management server 300 is configured to receive information that is the basis of the determination from the terminal B, even if the information on the prepaid card of the user B is stolen in the terminal A, an illegal act based on the information is prevented. Effectively prevented. Such a configuration can also be applied to second and third embodiments described later.

  In the present embodiment, the terminal A is a server device for online sales. However, the terminal A is a POS terminal or POS server in a real store, and the prepaid card information of the user B is stored. Even when the card information reading device of the POS terminal or POS server is used, the processes of steps S1 to S15 can be performed. Furthermore, even when the information of the prepaid card of the user B is transmitted from the terminal B to the terminal A by the distance wireless communication to the POS terminal or the POS server, it is possible to perform the processes of the previous steps S1 to S15. .

  Next, an electronic money management system according to a second embodiment of the present invention will be described with reference to the drawings. In this embodiment, the terminal A is a POS terminal in a real store in the first embodiment. Other configurations are the same as those of the first embodiment.

  FIG. 15 is a diagram showing a schematic configuration of a terminal A (POS terminal) of the present embodiment. As shown in FIG. 15, the terminal A has a communication interface including a CPU 610, a RAM 620, a display device 630 such as a liquid crystal display, a connector, and a communication protocol stack for communication using the Internet network or the like. Reader / writer (near field communication unit) 650 having a communication unit 640, an antenna for near field communication (NFC), and a communication interface including a communication protocol stack for near field communication. And an input device 660 composed of a plurality of buttons, a sales information storage unit 670, and a program storage unit 680 for storing various programs.

  The terminal A includes a single settlement request transmission processing unit 681 that causes the terminal A to perform a predetermined operation in the program storage unit 680. This function will be described later along with an example of processing (see FIG. 16) performed by terminal A, terminal B, relay server 400, and management server 300.

  In the following, along with an example of processing performed by terminal A, terminal B, relay server 400 and management server 300 (see FIG. 16), user B (buyer) purchases product X from user A (seller) and pays for it. Will be described in the case where the payment is made by electronic money stored in the management server 300.

  First, the user B decides to purchase the product X at the real store owned by the user A in the United States, and takes it to the terminal A. Terminal A has a barcode reader or the like, and the barcode attached to the product X is read by the barcode reader. As a result, 35 US dollars as the price of the product X is displayed on the display device 630 of the terminal A. When user B sees and confirms the display and decides to pay, terminal B is used to access and log in to the member screen provided by member screen display processing unit 382 of management server 300. Then, a screen as shown in FIG. 9 is displayed on the display device 230, and in this state, the terminal B is brought close to the reader / writer 650 of the terminal A. Thereby, the terminal B transmits card identification information to the terminal A (step S21).

  Subsequently, the terminal A stores the sales information in which the card identification information, the price of the product X, and the currency type are associated with each other in the sales information storage unit 670 (step S22). This sales information is the same as that of the first embodiment. Subsequently, the terminal A uses the single settlement request transmission processing unit 682 to make payment for the user A information, the card identification information, and the product X (in this embodiment, the payment amount by the user B is 35 US dollars). Yes, the fee received by the management server 300 is included in the price of the product X.) and data including the currency type is transmitted to the relay server 400 (step S23). At this time, the terminal A transmits a single settlement request for requesting settlement with the payment amount to the relay server 400.

  The relay server 400 uses the transmission / reception processing unit 420 to determine whether the user A is a member store of an international brand card company that manages the relay server 400 based on the information of the user A received from the terminal A; Based on the card identification information received from terminal A, user B's prepaid card is authenticated (step S24). When the user A is a member store in step S24 and the card information of the prepaid card is authenticated, the relay server 400 causes the transmission / reception processing unit 420 to use the card identification information, the payment amount for the product X, and its currency type. Then, data including the single settlement request is transmitted to the management server 300 (step S25).

  The management server 300 receives the data transmitted from the relay server 400 by the payment information reception processing unit 384 and authenticates the user B's prepaid card corresponding to the received card identification information based on the contract master 351 ( Step S26).

  Subsequently, the management server 300 has a remaining amount for paying the payment amount to an electronic money account corresponding to the currency type received from the relay server 400 among the electronic money accounts of the user B by the payment information reception processing unit 384. Whether or not (step S27).

  Subsequently, when the payment processing unit 385 authenticates the user B's prepaid card in step S26 and determines that there is a remaining amount in step S27, the management server 300 determines the amount of electronic money in the electronic money account of the currency type. A reduction process for reducing the remaining amount by the amount of payment is performed (step S28).

  Subsequently, the management server 300 subtracts the fee to be received by the management server 300 from the amount reduced in step S28, from the bank account owned by the administrator of the management server 300, or the bank account or relay of the user B A remittance instruction for remittance to a bank account held by the international card company that is the management company of the server 400 is transmitted to the bank server that manages the bank account owned by the manager of the management server 300 (step S29). Note that the processing contents and determination results in steps S26 to S29 are appropriately transmitted to the relay server 400, the terminal A, and the terminal B.

  Thus, in the present embodiment, the management server 300 can perform the settlement process related to the sale of the product X without performing the hold process as performed in step S8 of the first embodiment. When the product X is handed to the user B immediately at a real store, it is often more convenient to make a settlement without performing a hold process as in this embodiment. As can be seen from the first embodiment and the second embodiment, the management server 300 can perform settlement after the hold process as in the first embodiment, or can perform settlement without performing the hold process. Yes, it can respond flexibly to any sales situation.

  In the present embodiment, the card identification information of the prepaid card is transmitted from the terminal B to the terminal A. However, even when the actual prepaid card information is read by the card information reading device of the terminal A. The processes in steps S21 to S29 can be performed.

  Next, an electronic money management system according to a third embodiment of the present invention will be described with reference to the drawings. In the first embodiment, the terminal A is a bank automatic teller machine (hereinafter referred to as ATM) in the first embodiment. Other configurations are the same as those of the first embodiment.

  FIG. 17 is a diagram showing a schematic configuration of the terminal A (ATM) of the present embodiment. As shown in FIG. 17, terminal A includes a CPU 710, a RAM 720, a display device 730 such as a liquid crystal display, a connector, and a communication protocol stack for communication using an Internet network, a dedicated line, or the like. A communication unit 740 having an interface, an input device 750 including a plurality of buttons, and a program storage unit 760 for storing various programs.

  The terminal A includes a single settlement request transmission processing unit 761 that causes the program storage unit 760 to cause the terminal A to perform a predetermined operation. This function will be described later along with an example of processing performed by the terminal B, the relay server 400, and the management server 300 (see FIG. 19).

  In the following, processing when user B withdraws US dollars from terminal A (ATM) will be described along an example of processing performed by terminal A, terminal B, relay server 400 and management server 300 (see FIG. 19).

  First, user B decides to withdraw US $ 100 at an ATM owned by user A (bank) in the United States, and visits the ATM. Then, the user B inserts a prepaid card into the ATM, and the terminal A reads the card identification information of the prepaid card. Then, the user B inputs the amount of cash or the personal identification number desired to be received according to the instruction displayed on the display device 730, and the terminal A receives the information (step S31). At this time, the display device 730 displays a fee (the fee of the terminal A and the fee received by the management server 300) according to the amount of cash to be received. Thereafter, the terminal A uses the single settlement request transmission processing unit 761 to transmit the information on the user A, the card identification information, the amount to be paid out (in this embodiment, the amount of cash to be received, the ATM fee, The data including the fee received by the management server 300) and the currency type are transmitted to the relay server 400 (step S32). At this time, the terminal A transmits to the relay server 400 a single settlement request for requesting settlement with the amount paid out.

  The relay server 400 uses the transmission / reception processing unit 420 to determine whether the user A is a member store of an international brand card company that manages the relay server 400 based on the information of the user A received from the terminal A; Based on the card identification information received from terminal A, user B's prepaid card is authenticated (step S33). When the user A is a member store in step S33 and the card information of the prepaid card is authenticated, the relay server 400 causes the transmission / reception processing unit 420 to use the card identification information, the payout amount, the currency type, and the single settlement request. Is transmitted to the management server 300 (step S34).

  The management server 300 receives the data transmitted from the relay server 400 by the payment information reception processing unit 384 and authenticates the user B's prepaid card corresponding to the received card identification information based on the contract master 351 ( Step S35).

  Subsequently, the management server 300 uses the payment information reception processing unit 384 to determine the remaining amount for paying out the payout amount to the electronic money account corresponding to the currency type received from the relay server 400 among the electronic money accounts of the user B. It is determined whether or not there is (step S36).

  Subsequently, when the payment processing unit 385 authenticates the user B's prepaid card in step S35 and determines that there is a remaining amount in step S36, the management server 300 determines the amount of electronic money in the electronic money account of the currency type. A reduction process for reducing the remaining amount by the amount of the payout is performed (step S37).

  Subsequently, the management server 300 transmits to the relay server 400 a payout instruction for causing the terminal A to pay out the amount of cash obtained by subtracting the fee of the terminal A and the fee received by the management server 300 from the payout amount (step S38). The relay server 400 transmits the received payout instruction to the terminal A (step S39). Terminal A pays out the amount of cash desired to be received based on the received payout instruction.

  Subsequently, the management server 300 subtracts the fee to be received by the management server 300 from the amount reduced in step S37, from the bank account owned by the administrator of the management server 300, or the bank account or relay of the user B A remittance instruction for remittance to a bank account held by the international card company that is the management company of the server 400 is transmitted to the bank server that manages the bank account owned by the administrator of the management server 300 (step S40). Note that the processing contents and determination results of steps S35 to S40 are appropriately transmitted to the relay server 400, the terminal A, and the terminal B.

  As described above, in this embodiment, the management server 300 stores the electronic money of the user B in a plurality of electronic money accounts in association with the card identification information of the prepaid card of the user B, and the account data storage unit 360 The electronic money of different currency types is stored in each electronic money account. For this reason, for example, when there are three electronic money accounts of the prepaid card, electronic money in US dollars is stored in one electronic money account, electronic money in Canadian dollars is stored in one electronic money account, and There is a case where Japanese yen electronic money is stored in one electronic money account. In this way, since electronic money of different currency types is held in a plurality of electronic money accounts, when cash is paid out in a foreign currency, the electronic money in the electronic money account corresponding to the foreign currency to be paid out is used. By using it, cash can be obtained without being affected by exchange rate fluctuations. Furthermore, it is possible to receive cash exchanged at the desired exchange rate by exchanging the electronic money in the foreign currency at the desired exchange rate and holding the electronic money in each electronic money account. Become.

  Then, the management server 300 receives and authenticates the card identification information of the user B transmitted by the terminal A of the user A, and receives the currency type and the paid-out amount as the cash payout information transmitted by the terminal B. Then, it is determined whether the remaining amount for paying out the payout amount is in the electronic money account of the currency type associated with the card identification information of the user B's prepaid card. Subsequently, when the card identification information is authenticated and it is determined that there is a remaining amount, the balance of electronic money in the electronic money account of the currency type is reduced by the amount of payment, and the amount of payment or the amount of payment An instruction for paying out an amount of cash obtained by subtracting a predetermined fee from the amount is transmitted to terminal A.

  Thus, since the amount that can be paid out by the prepaid card is within the range of the amount stored in each electronic money account, even if the card identification information is stolen, It can be within the amount of money stored in the money account. Here, since the bank cash card is a card directly linked to the bank account, if the card identification information of the cash card or the like is stolen, the damage amount may become enormous. Since it is considered that most of the electronic money accounts are deposited by the user with the intention of short-term use, the amount of damage can be suppressed.

  In addition, since the electronic money of each country is stored in each of the plurality of electronic money accounts linked to the card identification information of the prepaid card, even when traveling continuously in a plurality of countries, a large amount of cash in each country's currency Need not be carried for a long time. Furthermore, it becomes possible to withdraw cash in each country with one prepaid card.

  In the present embodiment, the terminal A is a bank ATM. However, even if the terminal A is a credit card company CD (cash dispenser) or ATM, steps S31 to S40 are performed. Is possible.

  In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.

  110 ... CPU, 120 ... RAM, 130 ... display device, 140 ... communication unit, 150 ... sales information storage unit, 160 ... program storage unit, 161 ... screen display processing unit for sales, 162 ... transmission processing unit such as payment information, 173 ... settlement processing unit, 210 ... CPU, 220 ... RAM, 230 ... display device, 240 ... communication unit, 250 ... short-range wireless communication unit, 260 ... touch panel type input device, 271 ... card identification information storage unit, 272 ... application storage 280 ... Program storage unit, 281 ... Card identification information transmission processing unit, 282 ... Payment information etc. transmission processing unit, 300 ... Electronic money management server, 310 ... CPU, 320 ... RAM, 330 ... Display device, 340 ... Communication unit 350 ... Contract master storage unit 351 ... Contract master 360 ... Electronic money account data storage unit 370 ... Application ,...,...,...,...,...,...,. ... Relay server, 410 ... Communication unit, 420 ... Transmission / reception processing unit, 500 ... Foreign exchange transaction system, 510 ... Communication unit, 520 ... Customer master storage unit, 521 ... Customer master, 530 ... Transaction account data storage unit, 540 ... Program Storage unit, 541... Member screen display processing unit, 542.

Claims (11)

The second user can communicate with a terminal of the first user via a communication line, and based on the card identification information of the second user's prepaid card transmitted from the terminal and the payment information by the prepaid card. An electronic money management server for processing electronic money settlement with the first user,
This electronic money management server
A contract master that stores information relating to the second user, the card identification information, and an expiration date of the prepaid card;
An account data storage unit that stores the electronic money of the second user in a plurality of electronic money accounts in association with the card identification information, and stores electronic money of different currency types in each electronic money account. A certain account data storage unit;
An authentication means for receiving the card identification information transmitted by the terminal and performing authentication based on the contract master;
The terminal receives the currency type and payment amount transmitted as the payment information, and stores the payment amount in the electronic money account of the currency type associated with the card identification information and stored in the account data storage unit. A balance determination means for determining whether or not there is a balance to pay,
When receiving the card identification information and the payment information from the terminal, the authentication result from the relay server or the terminal that relays the transmission of the card identification information and the payment information from the terminal to the electronic money management server And receiving the determination result transmission request whether or not there is the remaining amount, the authentication result and the determination result are transmitted to the relay server or the terminal to the relay server or the terminal, and the electronic money of the currency type is transmitted. Hold means for holding for payment the amount of electronic money corresponding to the payment amount in the account;
When receiving the settlement request and settlement amount associated with the payment information from the relay server or the terminal, the settlement amount and the amount of electronic money in the electronic money account held for the payment by the holding means And a settlement means for reducing the remaining amount of electronic money in the currency type electronic money account by the amount of the settlement when it is matched. Money management server. The electronic money management server according to claim 1,
When receiving the card identification information and the payment information from the terminal, a payment request with the payment amount is received from the relay server or the terminal, and the card identification information is authenticated by the authentication means and the remaining amount An electronic money management server, further comprising: a single settlement unit that reduces the remaining amount of electronic money in the currency type electronic money account by the amount of payment when the determining unit determines that there is a remaining amount. Communication with the terminal of the first user is possible via the communication line, and based on the card identification information of the second user's prepaid card and the cash payout information by this prepaid card transmitted from the terminal, An electronic money management server that performs a cash payout process to the second user,
This electronic money management server
A contract master that stores information relating to the second user, the card identification information, and an expiration date of the prepaid card;
An account data storage unit that stores the electronic money of the second user in a plurality of electronic money accounts in association with the card identification information, and stores electronic money of different currency types in each electronic money account. A certain account data storage unit;
An authentication means for receiving the card identification information transmitted by the terminal and performing authentication based on the contract master;
The terminal receives the currency type and the amount to be transmitted as the cash withdrawal information, and is associated with the card identification information and stored in the account data storage unit in the currency type electronic money account. A remaining amount determining means for determining whether or not there is a remaining amount to pay out,
When receiving the card identification information and the cash payout information from the terminal, from the relay server or the terminal that relays the transmission of the card identification information and the cash payout information from the terminal to the electronic money management server, The balance of electronic money in the electronic money account of the currency type is received when the settlement request is received with the payout amount, the card identifying information is authenticated by the authenticating means, and the remaining amount determining means determines that there is a remaining amount A settlement means for reducing the amount by the amount of the withdrawal,
A payout instruction transmitting means for sending an instruction to cause the terminal to pay out the cash out of the electronic money account by the settlement means or an amount obtained by subtracting a predetermined fee from the payout amount. Electronic money management server. In the electronic money management server according to claim 1 or 3,
The bank which the first user has from the bank account owned by the administrator of the electronic money management server in a state where the card identification information is authenticated by the authentication means and the remaining amount determining means determines that there is a remaining amount Manage the bank account owned by the administrator to the bank account held by the management company of the account or the relay server, the instruction to remit the settlement amount or the withdrawal amount or the amount obtained by subtracting a predetermined fee from the withdrawal amount An electronic money management server, further comprising bank settlement processing means for transmitting to a server of the bank. In the electronic money management server according to claim 1 or 3,
This electronic money management server can communicate with a foreign exchange trading system via a communication line,
The foreign exchange trading system
A transaction account data storage unit for storing the funds of the second user in a plurality of transaction accounts, wherein the transaction account data storage unit stores funds of different currency types in each transaction account;
In order to transfer the funds of each transaction account to the electronic money account of the electronic money management server, it has transfer transmission means for transmitting information of the funds account to be transferred and the transfer amount to the electronic money management server. Yes,
The electronic money management server receives information on the transaction account for performing the transfer and the transfer amount transmitted by the transfer transmitting means, and stores the electronic money account of the currency type corresponding to the information on the transaction account for performing the transfer. An electronic money management server, further comprising transfer acceptance means for increasing the remaining amount by the transfer amount. The electronic money management server according to claim 1,
This electronic money management server
Second user information receiving means for receiving at least information relating to the card identification information or the payment information from a terminal of the second user;
A matching means for determining whether the information received by the second user information receiving means corresponds to the card identification information or the payment information received from the terminal;
Further comprising
The holding means holds electronic money for an amount corresponding to the payment amount in the electronic money account of the currency type for payment when it is determined that the matching means corresponds. Electronic money management server. The electronic money management server according to claim 1,
This electronic money management server
Second user information receiving means for receiving at least information relating to the card identification information or the payment information from a terminal of the second user;
A matching means for determining whether the information received by the second user information receiving means corresponds to the card identification information or the payment information received from the terminal;
Further comprising
The electronic payment management is characterized in that the payment means reduces the remaining amount of electronic money in the electronic money account of the currency type by an amount corresponding to the payment amount when it is determined by the matching means. server. An electronic money management server according to claim 3,
This electronic money management server
Second user information receiving means for receiving at least information relating to the card identification information or the cash payout information from a terminal of the second user;
A matching means for determining whether or not the information received by the second user information receiving means corresponds to the card identification information or the cash payout information received from the terminal;
Further comprising
The payment means is a means for reducing the remaining amount of electronic money in the electronic money account of the currency type by an amount corresponding to the amount to be paid out when it is determined by the matching means. server. Card identification information of the prepaid card of the second user transmitted from the terminal to the electronic money management server using the electronic money management server that can communicate with the terminal of the first user via a communication line, and the prepaid An electronic money settlement processing method for processing electronic money settlement between the second user and the first user based on payment information by a card,
The electronic money management server is:
A contract master that stores information relating to the second user, the card identification information, and an expiration date of the prepaid card;
An account data storage unit that stores the electronic money of the second user in a plurality of electronic money accounts in association with the card identification information, and stores electronic money of different currency types in each electronic money account. A certain account data storage unit, and
In this method, the electronic money management server
An authentication step of receiving the card identification information transmitted by the terminal and performing authentication based on the contract master;
The terminal receives the currency type and payment amount transmitted as the payment information, and pays the payment amount to the electronic money account of the currency type associated with the card identification information and stored in the account data storage unit. A remaining amount determining step for determining whether or not there is a remaining amount,
When receiving the card identification information and the payment information from the terminal, the authentication result from the relay server or the terminal that relays the transmission of the card identification information and the payment information from the terminal to the electronic money management server And receiving the determination result transmission request whether or not there is the remaining amount, the authentication result and the determination result are transmitted to the relay server or the terminal to the relay server or the terminal, and the electronic money of the currency type is transmitted. A hold step of holding for a payment an amount of electronic money corresponding to the payment amount in the account;
When receiving the settlement request and settlement amount associated with the payment information from the relay server or the terminal, the settlement amount and the amount of electronic money in the electronic money account held for the payment by the holding means And a settlement step of reducing the remaining amount of electronic money in the electronic money account of the currency type by the amount of the settlement if it matches. Money settlement processing method. The electronic money settlement processing method according to claim 9.
When the electronic money management server receives a payment request with the payment amount from the relay server or the terminal when receiving the card identification information and the payment information from the terminal, the card is subjected to the authentication step. If the identification information is authenticated and the remaining amount determining step determines that there is a remaining amount, the remaining amount of electronic money in the electronic money account of the currency type is replaced with the payment amount without performing the holding step and the settlement step. An electronic money settlement processing method characterized by performing a single settlement process for reducing the amount of money. Card identification information of the prepaid card of the second user transmitted from the terminal to the electronic money management server using the electronic money management server that can communicate with the terminal of the first user via a communication line, and the prepaid A cash payout processing method for performing a cash payout process to the second user via the terminal based on cash payout information by a card,
The electronic money management server is:
A contract master that stores information relating to the second user, the card identification information, and an expiration date of the prepaid card;
An account data storage unit that stores the electronic money of the second user in a plurality of electronic money accounts in association with the card identification information, and stores electronic money of different currency types in each electronic money account. A certain account data storage unit;
Having
In this method, the electronic money management server
An authentication step of receiving the card identification information transmitted by the terminal and performing authentication based on the contract master;
The terminal receives the currency type and the amount to be transmitted as the cash withdrawal information, and is associated with the card identification information and stored in the account data storage unit in the currency type electronic money account. A remaining amount determining step for determining whether or not there is a remaining amount to pay out,
When receiving the card identification information and the cash payout information from the terminal, from the relay server or the terminal that relays the transmission of the card identification information and the cash payout information from the terminal to the electronic money management server, The balance of electronic money in the electronic money account of the currency type is received when the payment request is received with the payout amount, the card identification information is authenticated by the authentication step and the remaining amount is determined by the remaining amount determining step. A settlement process for reducing the amount by the amount of the withdrawal,
A payout instruction transmitting step of sending an instruction to cause the terminal to pay out the amount of cash to be paid out from the electronic money account in the settlement step or a cash amount obtained by subtracting a predetermined fee from the amount to be paid out. Cash withdrawal processing method.

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