JP6062441B2 - Money terminal, money terminal control method and program - Google Patents

Description

  The present invention relates to a money terminal, a money terminal control method, and a program.

In recent years, the use of electronic money has become widespread. In electronic money, money settlement is performed by associating money amount information called value with money value and increasing or decreasing the value balance.
FIG. 18 is a diagram for explaining a conventional electronic money system.
The electronic money card 100 is an IC card possessed by a user, in which a balance of value, an IC chip ID for specifying the general-purpose IC chip 25, an electronic money number, and the like are recorded in a built-in or mounted general-purpose IC chip 25. . There is also a mobile terminal 5 such as a mobile phone in which the general-purpose IC chip 25 is built-in or attached.
Such a method of holding the value by the user-side general-purpose IC chip 25 is called a stored value type.

The asynchronous payment terminal 7 is installed in a store, a vending machine, etc., performs short-range wireless communication with the general-purpose IC chip 25 of the electronic money card 100 or the portable terminal 5, and stores the value balance stored in the general-purpose IC chip 25. Settlement by value by reducing the amount.
Asynchronous payment terminal 7 does not connect to electronic money server 2 but completes the payment processing locally with general-purpose IC chip 25 of the user, and records the transaction history as log data.
Then, the asynchronous payment terminal 7 transmits the log data to the electronic money server 2 at a later time or at a later time in a batch.
The reason why the asynchronous payment terminal 7 is called “asynchronous” is that the payment processing is completed locally without being synchronized with the electronic money server 2.
In such a stored value type electronic money system, the value balance is stored in advance in the general-purpose IC chip 25 and is reduced at the time of payment. If the value is insufficient, payment cannot be made. . For this reason, a process called charge for increasing the balance of the value stored in the general-purpose IC chip 25 is required. Usually, this charge is performed by exchanging money at the store, and the exchange value of the value is secured.

By the way, since the electronic money stores the value balance in the general-purpose IC chip 25 built in or attached to the IC card, for example, the user can use the value without limitation. For example, even if a parent gives transportation expenses and meal charges to a child with electronic money, if the electronic money is used in advance, it can be assumed that the balance becomes insufficient when necessary.
Therefore, there is a request to restrict the use of the IC card value balance under certain conditions.

  Patent Document 1 discloses a technique for restricting the use of an IC card itself. Specifically, the range in which electronic money can be used (the usage, date or area in which electronic money can be used, and the usage, date or area in which electronic money cannot be used) is set as available range information and installed in stores, etc. If the terminal device does not determine that the above condition is satisfied, the IC card itself is not allowed to be used at all.

JP 2008-269292 A

By the way, in the technique described in Patent Document 1, if the payment terminal is not compatible, the restriction set in the IC card does not function.
The problem to be solved by the present invention is to change the usable value balance without depending on the payment terminal in the scene where the electronic value is used.

According to the first aspect of the present invention, balance storage means for storing the balance of electronic value, and balance change means for changing the balance stored in the balance storage means using balance change information acquired via a payment terminal And applying the reservation change amount and the reservation change amount inputted in advance from the outside before the presence of the settlement terminal is detected to the balance stored in the balance storage means. A data storage means for associating and storing an application condition for application and a command group for applying the reservation change amount to a balance stored in the balance storage means, and when the presence of the payment terminal is detected, A determination means for determining success or failure of the application condition; and when the determination means determines that the application condition is satisfied, the balance stored in the balance storage means is referred to by the payment terminal or Characterized before new is the, using the command group, and the balance immediately before changing means for changing the balance by reservation change amount stored in said data storage means in association with the application conditions, that further comprises To provide a currency terminal.
According to a second aspect of the present invention, there is provided the money terminal according to the first aspect, wherein the reservation change amount is based on the premise of securing the funds.
According to a third aspect of the present invention, there is provided an isolating unit that reduces the balance by isolating all or a part of the balance as an isolation amount, and the immediately preceding balance change unit is configured to change the reservation of the isolation amount. The money terminal according to claim 1, wherein the balance is increased by releasing the isolation of the amount.
In the invention according to claim 4 , when it is determined that the application condition is not satisfied, the balance immediately before changing unit again isolates the quarantine amount that has been released when the application condition is determined to be satisfied. 4. The money terminal according to claim 3 , wherein the balance is decreased.
In the invention according to claim 5 , the reservation change amount is an amount included in balance change information for changing the balance held in advance, and the balance immediately changing means executes the balance change information. The money terminal according to claim 1, wherein the balance is increased by doing so.
According to a sixth aspect of the present invention, there is provided the money terminal according to the first aspect, wherein the balance immediately before changing means reduces the balance by separating the reservation change amount.
In the invention according to claim 7 , the data storage means stores information for determining an expiration date of the application condition in association with the application condition, and the determination means has passed the expiration date of the application condition. case, to provide a monetary terminal according to 6 claim 1, characterized in that not determine the success or failure of the application conditions.
In the invention according to claim 8 , the application condition is a condition related to information acquired from the payment terminal, and the determination unit is acquired from the payment terminal when the presence of the payment terminal is detected. based on the information, it provides a monetary terminal according to 7 claims 1, characterized in that to determine the success or failure of the application conditions.
In the invention according to claim 9 , balance storage means for storing a balance of electronic value, and balance change means for changing the balance stored in the balance storage means using balance change information acquired via a settlement terminal When a control method for a monetary terminal having a balance of existence of the payment terminal is input in advance from the outside before it is detected, is stored reservation change amount and the reservation change amount to the balance storage means A data storage step of storing an application condition for applying to the balance and a command group for applying the reservation change amount to the balance stored in the balance storage means, and the presence of the settlement terminal is detected A determination step for determining success or failure of the application condition, and a balance stored in the balance storage means when the determination step determines that the application condition is satisfied. Before referenced or updated by the terminal, using said commands, wherein the balance immediately before changing step only reservation change amounts stored in the data storage step in association with the application condition changes the balance further be provided with a A control method for a money terminal is provided.
In the invention according to claim 10 , balance storage means for storing a balance of electronic value, and balance change means for changing the balance stored in the balance storage means using balance change information acquired via a settlement terminal In order to apply the reservation change amount and the reservation change amount input in advance from the outside before the presence of the settlement terminal is detected to the balance stored in the balance storage means A data storage function that associates and stores an application condition and a command group for applying the reservation change amount to the balance stored in the balance storage means; and the application condition when the presence of the payment terminal is detected A balance function stored in the balance storage means when the determination function determines that the application condition is satisfied and the determination function determines that the application condition is satisfied. Before being updated, by using the command group, the program for realizing the the balance immediately before changing function of changing the balance by reservation change amounts stored in the data storage function in association with the application condition to the computer provide.

In the money terminal of the present invention, when the presence of a payment terminal is detected and it is determined that the application condition is satisfied, the balance of electronic value is changed using balance change information acquired via the payment terminal. In addition, the balance of the electronic value is changed by the reservation change amount stored in association with the application condition.
Therefore, according to the present invention, in the scene where the electronic value is used, the usable value balance is changed only by the mechanism on the money terminal side.

The present invention has a configuration in which the balance is changed by the reservation change amount inputted from the outside when it is determined that the application condition is satisfied. Therefore, according to the present invention, even if the application condition is not satisfied, if the balance is stored in the balance storage means, the value balance can be used within the range of the balance.

It is a figure for demonstrating the network structure of the electronic money system which concerns on this embodiment. It is a figure for demonstrating the hardware-like structure of an electronic money card. It is a block diagram showing typically the functional composition of the electronic money card formed when the electronic money processing program is executed by CPU. It is a figure for demonstrating the hardware-like structure of a portable terminal. It is a figure for demonstrating the function of a portable terminal. It is a figure for demonstrating the structure of a payment terminal. It is a figure for demonstrating the structure of an electronic money server. It is a figure for demonstrating the user DB which the electronic money server has, the registration DB of charge reservation, and the isolation setting DB. It is the figure which showed an example of the setting screen of charge reservation. It is the figure which showed an example of the setting screen of isolation | separation. It is the flowchart which showed the procedure of the registration process of charge and isolation. It is the figure which showed an example of the screen of a charge request | requirement. It is a flowchart for demonstrating the procedure of a charge process. It is the flowchart which showed the process sequence of judgment whether the condition of charge of 1st Embodiment is satisfied. It is the figure which showed an example of the screen of isolation | separation request | requirement. It is the flowchart which showed the processing procedure of cancellation | release of isolation | separation of 2nd Embodiment. It is a functional block diagram corresponding to a claim. It is a figure for demonstrating the conventional electronic money system.

(1) Outline of Embodiment A charge is directly requested from the PC 50 or the portable terminal 5 (FIG. 1) to the electronic money server 2. In response to this, for example, the electronic money server 2 accesses the credit company server 300 and the like to secure the funds and generates a command group for charging. Then, the electronic money server 2 transmits the generated command group to the general-purpose IC chip 25 of the electronic money card 100 or the general-purpose IC chip 25 of the mobile terminal 5 via the PC 50. The received command group is not immediately executed, but is temporarily stored in the general-purpose IC chip 25. This completes the charge preparation stage for a certain amount (reservation change amount).
Here, data included in the command group will be described. Examples of this command group include data indicating the charge amount, a command for obtaining the current balance, a command for rewriting the balance to “current balance + charge amount” (overwriting or addition), a rewriting confirmation command, and a log writing command. is there.
After that, when a payment process is performed between the payment terminal 6 and the asynchronous payment terminal 7, if a certain condition (applicable condition) is satisfied, the command group stored on the general-purpose IC chip 25 side. Execute. In this way, charging is performed and the value balance is updated.
Here, a command group execution process will be described. As an example, first, a value balance is acquired from the general-purpose IC chip 25, the value balance is rewritten with the acquired value balance + charge amount, and the rewritten value balance is confirmed.
In this way, by preparing for the charge in advance, the charge can be immediately executed when the charge is actually required.

In the second embodiment, a part of the value balance (reservation change amount) stored in the IC chip 25 is isolated by setting from the user. When the quarantine is performed, the value cannot be used for settlement at that stage.
After that, when the payment processing is performed with the payment terminal 6 or the asynchronous payment terminal 7, if the set condition (invoking condition) is satisfied, the general IC chip 25 side releases the isolation. The value can be used for settlement.
In this way, the necessary value can be secured.

In these embodiments, whether or not a value balance change (for example, execution of charge, release of quarantine) for a certain amount (reservation change amount) is necessary is determined according to a predetermined payment terminal (for example, payment terminal 6 and asynchronous payment terminal 7). The IC chip side makes a determination immediately before the value balance rewriting process (that is, the payment process) is started.
The IC chip may determine whether or not the value balance needs to be changed when detecting the presence of the reader / writer device attached to the payment terminal. For example, if the IC chip is a non-contact type, the presence of a nearby reader / writer device is detected when a radio wave having a predetermined frequency used for short-range wireless communication is detected. In particular, if the non-contact IC chip does not have a power supply, it is determined whether or not the value balance needs to be changed when power is generated in the chip using the radio wave emitted by the nearby reader / writer device and the chip is energized. Good. On the other hand, for example, if the IC chip is a contact type, the presence of the reader / writer device that is in contact is detected when the contact terminal of the reader / writer device contacts the terminal of the IC chip and the exchange of control signals and the like is started. Shall.

(2) Details of Embodiment FIG. 1 is a diagram for explaining a network configuration of an electronic money system 1 according to the first embodiment.
The electronic money system 1 includes an electronic money server 2, the Internet 3, a mobile terminal 5, a payment terminal 6, an asynchronous payment terminal 7, a communication line 8, a PC (personal computer) 50, a credit company server 300, and the like. .

The electronic money server 2 is a server that manages the movement of money value by value. Here, the value is electronic information corresponding to a monetary value, and the electronic money system 1 moves the monetary value by increasing or decreasing the value balance (hereinafter, value balance).
Then, the business entity of the electronic money system 1 causes the value and the movement of the actual money to correspond by moving the actual money corresponding to the movement of the value.

The electronic money server 2 stores the management value of the value balance in association with the mobile terminal 5 for management. As will be described later, the mobile terminal 5 stores the value balance in a general-purpose IC chip 25 built in or attached to the mobile terminal 5.
It is desirable that both are always synchronized and have the same value. However, there are actually many asynchronous payment terminals 7 that cannot be connected to the electronic money server 2 in real time. For this reason, the generated log data is later sent to the electronic money server 2 by batch processing, and is synchronized afterwards.
In this embodiment, a stored value type electronic money system that manages values on the electronic money card 100 or the portable terminal 5 side will be described. However, server management type electronic money that manages values on the electronic money server 2 side also exists. ing.

The mobile terminal 5 is a mobile terminal configured by, for example, a smartphone, a mobile phone, a game machine, a tablet computer, and the like, and has a function of connecting to the Internet 3 and a short-distance wireless communication with the payment terminal 6 and the asynchronous payment terminal 7. It has the function to connect by.
The portable terminal 5 has a built-in or attached general-purpose IC chip 25 and stores an electronic money number and a value balance.
The electronic money card 100 also has a built-in or attached general-purpose IC chip 25, and stores an electronic money number and a value balance.

The payment terminal 6 performs short-range wireless communication with the mobile terminal 5 and also communicates with the electronic money server 2 via the communication line 8 to transmit information such as a payment amount to the electronic money server 2, or with the electronic money server 2. The communication of the portable terminal 5 is relayed. The payment terminal 6 is a synchronous payment terminal that performs online communication with the electronic money server 2 in real time during payment using the mobile terminal 5.
The payment terminal 6 is installed in an accounting counter or a vending machine of a real store such as a convenience store (a physical store physically operating in a real estate store or the like).
The communication line 8 is a line connecting the electronic money server 2 and the payment terminal 6 or the asynchronous payment terminal 7. A dedicated line may be used as the communication line 8 or a general-purpose line such as the Internet 3 may be used.
The PC 50 is connected to the electronic money server 2 via the Internet, and is connected to the general-purpose IC chip 25 via the electronic money card 100 and the dedicated reader / writer 90 so that data can be written.

The asynchronous payment terminal 7 is installed in, for example, an inconvenient store of a network facility or a vending machine, and has a function of performing short-range wireless communication with the mobile terminal 5.
The asynchronous payment terminal 7 performs short-range wireless communication with the mobile terminal 5 and performs payment using the value balance. The asynchronous payment terminal 7 is not normally connected to the electronic money server 2 (so that server-managed electronic money cannot be paid), and temporarily stores the payment contents with the portable terminal 5 as log data. .
The asynchronous payment terminal 7 connects to the electronic money server 2 using the communication line 8 about once a day, and transmits log data to the electronic money server 2. In an environment where there is no network communication facility, the person in charge may manually collect recording media on which log data is recorded.
The electronic money server 2 manages the transfer of funds based on log data at the payment terminal 6 and the asynchronous payment terminal 7 with respect to the value balance.
The credit company server 300 is a server for the credit company to manage payment by credit card. When the electronic money server 2 charges the general-purpose IC chip 25, the credit company server 300 makes a payment with the user's credit number.

FIG. 2 is a block diagram illustrating an example of a hardware configuration of the electronic money card 100.
The electronic money card 100 includes a CPU (Central Processing Unit) 121, a high frequency circuit 122, an antenna 126, a ROM (Read Only Memory) 123, a RAM (Random Access Memory) 124, an EEPROM (Electronically Erasable and Programmable) 125, and the like. Yes.
These elements are formed on a general-purpose IC chip 25, and the general-purpose IC chip 25 functions as a money terminal that stores a balance of value (value balance).
However, the antenna 126 is configured by an aerial line extending around an elliptical curve around the outer edge of the electronic money card 6 or on the diagonal line of the electronic money card 6, and an end thereof is connected to the general-purpose IC chip 25. ing.

The CPU 121 is a central processing unit that performs information processing according to various programs stored in the ROM 123 and the EEPROM 125, and performs amount change processing for changing the amount of the stored value balance, such as settlement processing and charging.
The CPU 121 can perform short-range wireless communication with the payment terminal 6 (asynchronous payment terminal 7) via the antenna 126 and the high-frequency circuit 122.
The antenna 126 is an antenna for transmitting and receiving radio waves with the antenna built in the reader / writer unit of the payment terminal 6. In addition to transmitting and receiving various types of information, the antenna 126 drives a general-purpose IC chip by radio waves from the reader / writer unit. Power generation.

The high frequency circuit 122 converts the high frequency transmitted from the reader / writer unit to the antenna 126 into a digital signal and outputs the digital signal to the CPU 121, or conversely converts the digital signal output from the CPU 121 into a high frequency and converts the digital signal from the antenna 126 to the reader / writer unit. To send.
The RAM 124 is a memory that can be written and read at any time and provides a working memory when the CPU 121 performs information processing.
In the present embodiment, when the CPU 121 performs the amount change process, it is used as a temporary storage area.
The ROM 123 is a read-only memory that stores basic programs, parameters, data, and the like for causing the electronic money card 100 to function.

The EEPROM 125 is a ROM capable of writing and erasing information. Information stored in the EEPROM 125 is maintained even when power is not supplied to the electronic money card 100.
The EEPROM 125 stores an electronic money processing program for causing the electronic money card 100 to function as an electronic money card, as well as value balance, log data, and electronic money that is ID information for identifying the general-purpose IC chip 25. An electronic money storage unit 129 for storing various data such as numbers is formed.
The electronic money storage unit 129 stores an electronic money number, a value balance, a quarantine amount, a command group, log data, and the like. The isolation amount and the temporary balance will be described later.

FIG. 3 is a block diagram schematically showing a functional configuration of the electronic money card 100 formed when the electronic money processing program is executed by the CPU 121.
The electronic money storage unit 129 formed in the EEPROM 125 stores an electronic money number, a value balance, a command group, log data, and the like.
The value balance is the balance of the value currently stored, and the electronic money card 100 can perform a settlement process by reducing the value balance.
As described above, the electronic money storage unit 129 has a function of storing a balance using the monetary value as electronic data (value).
The log data is data in which processing contents communicated with the payment terminal 6 and the electronic money server 2 are recorded. The processing date / time / minute / second, the charge amount, the payment amount, and the terminal ID which is the ID information of the processed payment terminal 6. Etc.

The terminal communication unit 127 is configured by using the antenna 126, the high-frequency circuit 122, and the like. The terminal communication unit 127 receives payment information from the reader / writer unit 139 of the payment terminal 6 and inputs it to the value processing unit 128. Mediates communication between the terminal 6 and the value processing unit 128.
The value processing unit 128 is an information processing unit that executes various commands.
Examples of the command include money amount change information, an ID reference command, and a balance reference command.
The amount change information is a command for causing the value processing unit 128 to perform the amount change process.
When executing the amount change process, the value processing unit 128 increases or decreases the value balance by the amount specified by the amount change information, and sends a completion response to the payment terminal 6 (in the case of payment processing, sending a payment completion notification, charging In this case, a charge completion notification is transmitted, and log data is created.
In this way, the value processing unit 128 performs the amount change process on the amount stored in the electronic money storage unit 129 using the amount change information received from the payment terminal 6, and sends a response indicating that the amount change process has been completed. Has the function to perform.

By the way, the amount change information can be configured using, for example, an addition command, a subtraction command, an overwrite command, or the like.
The addition command is a command for increasing the value balance by the amount specified by the parameter accompanying the addition command.
On the other hand, the subtraction command is a command for reducing the value balance by the amount specified by the parameter accompanying the subtraction command.
For example, when the value balance is 5000 yen and the payment amount is 1000 yen, the payment terminal 6 generates a subtraction command for reducing 1000 yen and transmits it to the electronic money card 100.
In the electronic money card 100, the value processing unit 128 executes this subtraction command to update the value balance to 5000 yen-1000 yen = 4000 yen. The same applies to the addition command.

The overwrite command is a command for overwriting the value balance with the amount specified by the parameter accompanying the overwrite command.
When using the overwrite command as the amount change information, the payment terminal 6 calculates the value balance after payment / charging, and causes the value processing unit 128 to overwrite the value balance in the electronic money storage unit 129 with this amount.
For example, consider a case where the value balance is 5000 yen and the settlement amount is 1000 yen.
The payment terminal 6 reads the current value balance of 5000 yen from the electronic money card 100 and calculates a balance of 5000 yen-1000 yen = 4000 yen after payment.
Then, the settlement terminal 6 generates an overwrite command for overwriting the value balance with 4000 yen and transmits it to the electronic money card 100.
In the electronic money card 100, the value processing unit 128 executes this overwrite command to update the value balance to 4000 yen.

  The amount change information may be configured by an addition command and a subtraction command, may be configured by using an overwrite command in the case of charge, a subtraction command in the case of payment, or an addition command in the case of charge. In the case of using or subtracting, an overwriting command may be used, or an overwriting command may be used for both charging and settlement.

The ID reference command is a command that causes the value processing unit 128 to read the electronic money number. When the ID reference command is input, the value processing unit 128 reads the electronic money number from the electronic money storage unit 129 and outputs the electronic money number. .
The balance reference command is a command for causing the value processing unit 128 to read out the value balance. When the balance reference command is input, the value processing unit 128 reads out and outputs the value balance from the electronic money storage unit 129.
Although the configuration of the electronic money card 100 has been described above, a device in which a general-purpose IC chip similar to the general-purpose IC chip 25 incorporated in the electronic money card 100 is mounted on a mobile phone or other mobile terminal is generally widely used. Similar to the electronic money card 100, these portable terminals can perform payment processing and charging using the payment terminal 6.
Here, a case where a general-purpose IC chip is incorporated in a mobile phone among these mobile terminals will be described.

FIG. 4 is a diagram illustrating a hardware configuration of the mobile terminal 5. Here, as an example, the mobile terminal 5 is assumed to be a smartphone, but the same applies to mobile phones and other mobile terminals.
The portable terminal 5 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, an input unit 14, an output unit 15, a communication control unit 16, a near field communication control unit 17, a storage The unit 18 and the general-purpose IC chip 25 are connected by the bus line 19.

The CPU 11 executes programs recorded in the ROM 12 and the storage unit 18 to control various information processing and the entire portable terminal 5. In the present embodiment, for example, the payment provided by the value balance is supported in cooperation with the electronic money server 2 by a function provided by an electronic money application program described later.
The ROM 12 is a read-only memory in which basic programs, parameters, data, and the like for operating the mobile terminal 5 are recorded.
The RAM 13 is a readable / writable memory, and provides a working memory when the CPU 11 performs information processing.

The output unit 15 is a functional unit that outputs information to the user, and includes, for example, a liquid crystal display for screen display, a speaker that outputs sound, and the like. For example, an icon for starting an electronic money application program is displayed on the liquid crystal display.
The input unit 14 is a functional unit that inputs information from the outside, and includes, for example, a touch panel installed on a liquid crystal display, a microphone that inputs sound, a camera that captures a subject, and the like. The user can input information by touching the touch panel corresponding to the display on the liquid crystal display.

The storage unit 18 is configured by using a recording medium such as an EEPROM (Electrically Erasable and Programmable ROM) or a hard disk, for example, and is settled by an OS (Operating System) that is a basic program for controlling the mobile terminal 5 or a value. The electronic money application program that supports the program, other programs and data are recorded.
The communication control unit 16 includes an antenna for wireless communication with a base station antenna of a mobile phone network, and connects the mobile terminal 5 to the Internet 3 or a telephone line. The portable terminal 5 can communicate with the electronic money server 2 via the Internet 3 via the communication control unit 16.
The short-range communication control unit 17 includes an antenna for short-range wireless communication with the reader / writer of the payment terminal 6 or the asynchronous payment terminal 7, and connects the general-purpose IC chip 25 to the payment terminal 6 or the asynchronous payment terminal 7. The general-purpose IC chip 25 can communicate with the payment terminal 6 via the short-range communication control unit 17 and can communicate with the electronic money server 2 via the portable terminal 5.

The general-purpose IC chip 25 is an IC chip that stores general-purpose applications, and is built in or attached to the mobile terminal 5. The general-purpose IC chip 25 can store an application downloaded by the user.
The general-purpose IC chip 25 includes a CPU, a RAM, a ROM, and the like, and includes an information processing unit 26 that performs information processing according to various programs and a storage unit 27 that includes a nonvolatile memory.
The storage unit 27 includes an electronic money number and a value balance, although not shown, a value operation program for operating the value balance by the information processing unit 26, authentication data for the electronic money server 2 to authenticate the general-purpose IC chip 25, and the like. It is remembered.
The electronic money number is an account number for identifying which user the electronic money server 2 belongs to.

  The settlement process and the increase process related to the value balance in the general-purpose IC chip 25 are performed by a value operation program formed in the information processing unit 26 in the general-purpose IC chip 25 by an external command. This is to increase security by limiting the value balance processing to the general-purpose IC chip 25.

  Regarding the processing of the value balance, information input to the general-purpose IC chip 25 is encrypted, decrypted inside the general-purpose IC chip 25, and information output from the general-purpose IC chip 25 is encrypted within the chip. Is output after conversion.

FIG. 5 is a diagram for explaining functions of the mobile terminal 5.
When the electronic money application program is executed, an electronic money application 29 is formed on the portable terminal 5.
In the case of payment at a real store provided with the payment terminal 6, the short-range communication control unit 17 communicates with the payment terminal 6 and with the electronic money server 2 through the payment terminal 6.
In the case of payment at a real store equipped with the asynchronous payment terminal 7, the short-range communication control unit 17 communicates with the asynchronous payment terminal 7.
Further, the electronic money application 29 can access the general-purpose IC chip 25.

In the case of payment at a real store, the short-range communication control unit 17 can operate the value operation program with the general-purpose IC chip 25 to increase or decrease the value balance or read the electronic money number.
When performing the payment process, the general-purpose IC chip 25 receives a request to update (decrease) the value balance from the asynchronous payment terminal 7 via the short-range communication control unit 17, Update (reduce).
The following method can be considered for the value balance update processing performed here.
(Method 1) When an overwrite command is transmitted as a value balance update request.
In this case, the electronic money server 2 performs subtraction with the insufficient amount on the value balance received from the CPU of the general-purpose IC chip 25 of the mobile terminal 5 and calculates the balance after the subtraction. Then, the asynchronous payment terminal 7 transmits an overwrite command for overwriting the calculated balance as a value balance update request. The CPU of the general-purpose IC chip 25 of the portable terminal 5 overwrites and updates the value balance according to the overwriting command.
(Method 2) When a subtraction instruction is transmitted as a value balance update request.
In this case, the asynchronous payment terminal 7 transmits a subtraction instruction for subtracting the value balance by the shortage amount to the CPU of the general-purpose IC chip 25 of the portable terminal 5 as a value balance update request. The CPU of the general-purpose IC chip 25 of the portable terminal 5 updates the value balance by subtracting the insufficient amount from the value balance according to the command.
Thereafter, the general-purpose IC chip 25 notifies the asynchronous payment terminal 7 that the value balance has been updated.

Next, charging at a real store will be described.
This charge is performed on the premise that the clerk operating the asynchronous payment terminal 7 receives money corresponding to the value to be charged. When performing the charging process, the general-purpose IC chip 25 receives a request to update (increase) the value balance from the asynchronous payment terminal 7 via the short-range communication control unit 17 and updates the value balance ( Increase).
Thereafter, the general-purpose IC chip 25 notifies the asynchronous payment terminal 7 that the value balance has been updated.

In this charge, it is possible to directly charge from the electronic money server 2 without going through the asynchronous payment terminal 7. In this case, the electronic money server 2 is accessed via the communication control unit 16 of the portable terminal 5, and procedures such as user authentication processing and authorization of a certification authority server such as the credit company server 300 are performed. Then, the mobile terminal 5 receives the amount change (increase) information from the electronic money server 2, and the general-purpose IC chip 25 updates (increases) the value balance.
The charging from the electronic money server 2 is performed as a series of processes.
Setting such that charging from the electronic money server 2 is automatically performed under a certain condition (for example, when the value balance becomes a predetermined value or less) is called charge reservation. By setting this charge reservation, it is possible to prevent a case where payment cannot be made due to insufficient value at the time of payment when necessary.

FIG. 6 is a diagram illustrating an example of a hardware configuration of the payment terminal 6.
The payment terminal 6 is configured by connecting a CPU 131, a ROM 133, a RAM 134, a communication control unit 135, a storage unit 136, an input unit 137, an output unit 138, a reader / writer unit 139, and the like via a bus line. It has a function.
The CPU 131 performs information processing according to a predetermined program, and controls the settlement terminal 6 as a whole. In the present embodiment, the CPU 131 transmits the amount change information to the value processing unit 128 and causes the value processing unit 128 to perform the amount change process.
The ROM 133 is a read-only memory that stores basic programs and parameters for operating the payment terminal 6.
The RAM 134 is a readable / writable memory that provides a working memory for the CPU 131 or loads and stores a program or data stored in the storage unit 136 at any time.
The communication control unit 135 is a connection device that connects the payment terminal 6 to the electronic money server 2 via a network.

When the payment terminal 6 is installed in a store, the input unit 137 includes input devices such as a keyboard and a barcode reader, for example, and an operator in charge inputs a product code, a payment amount, a charge amount, and the like. It can be done.
Further, when the payment terminal 6 is installed at the pass gate, the input unit 137 is connected to, for example, a control device for the pass gate so as to receive an input of the payment amount from the control device for the pass gate. It has become.

When the payment terminal 6 is installed in a store, the output unit 138 is connected to, for example, a liquid crystal display device, a printer, a sound output device, and the like, and presents information to a customer or a member in charge of a member store. It is like that.
Further, when the payment terminal 6 is installed at the passing gate, for example, the output unit 138 is connected to a driving device that drives the gate door, a warning light or an audio output device installed at the passing gate, and the like. The gate door is opened and closed, and a warning light blinks and a warning sound is generated in synchronization with the opening and closing of the gate door.
The reader / writer unit 139 incorporates an antenna and performs wireless communication with the general-purpose IC chip 25 of the electronic money card 100.
When the payment terminal 6 is installed in a store, the reader / writer unit 139 is installed in the vicinity of the cash register, and the user can bring the electronic money card 100 close to the reader / writer unit 139 when the product is settled. It is like that.
When the payment terminal 6 is installed at the passage gate, the reader / writer unit 139 is installed on the upper side of the passage gate and closer to the gate door, and when the user passes through the passage gate, the electronic device The money card 100 can be brought close to the reader / writer unit 139.

The storage unit 136 includes, for example, a hard disk and other storage media, and a drive device that drives them, and includes a program storage unit 142 that stores various programs, a data storage unit 144 that stores data, and the like. .
In the program storage unit 142, an OS that is a basic program for causing the payment terminal 6 to function, a program for causing the electronic money card 100 to perform a money amount change process, and a charge for the short amount to the electronic money server 2 Etc. are stored.
The data storage unit 144 stores a terminal ID that is ID information of the payment terminal 6, usage log data that is a transaction history with the electronic money card 100, and the like. This usage log data is transmitted to the electronic money server 2 by batch processing performed by the CPU 131.

FIG. 7 is a diagram for explaining the configuration of the electronic money server 2.
In the electronic money server 2, a CPU 31, a ROM 32, a RAM 33, a communication control unit 34, a storage unit 35 and the like are connected by a bus line 36.
The CPU 31 executes programs recorded in the ROM 32 and the storage unit 35 to control various information processing and the entire electronic money server 2. For example, a charge request is received from the mobile terminal 5 and the charge is executed.
In the payment at the asynchronous payment terminal 7, the electronic money server 2 receives and processes the log data from which the asynchronous payment terminal 7 has updated the value balance later from the asynchronous payment terminal 7.
In the case of the payment terminal 6 that can be connected to the electronic money server 2 online, it is possible to perform value-based payment processing by updating the value balance in real time while communicating.

The ROM 32 is a read-only memory in which basic programs, parameters, data, and the like for operating the electronic money server 2 are recorded.
The RAM 33 is a readable / writable memory and provides a working memory when the CPU 31 performs information processing.
In the communication control unit 34, the electronic money server 2 communicates with the payment terminal 6, the asynchronous payment terminal 7, and the mobile terminal 5 through the communication line 8, and communicates with the mobile terminal 5 through the Internet 3.
The storage unit 35 is composed of, for example, a large-capacity hard disk, and the CPU 31 performs payment processing by value, manages an electronic money management program for charging, other programs, a user's value balance, A user DB (database) for managing charge history, a charge reservation registration DB, a member store DB for managing value settlement of member stores, a log data DB for storing log data recording each settlement process, and the like are recorded. .
In the example of FIG. 7, the single electronic money server 2 has been described. However, the electronic money server 2 may be configured by a plurality of servers by distributing functions.

Next, a database included in the electronic money server 2 will be described with reference to FIGS.
FIG. 8A is a diagram for explaining a logical configuration of the user DB.
In the present embodiment, an electronic money number is stored corresponding to the user ID. If there are other items that can uniquely identify the record stored in the user DB, the user ID and the electronic money number are not necessarily required. Although not shown, items such as authentication data of the general-purpose IC chip 25 are also stored.
The item “user ID” is user identification information.
The item “electronic money number” is an account number for identifying a value balance from another user's value balance.
The item “value balance management value” is the value balance of the account specified by the item “electronic money number”. This value balance is updated by receiving log data in a batch process.

The item “charge reservation setting” is an item for registering whether or not a charge reservation is set from the electronic money server 2.
The item “setting for quarantine” is a setting in which a certain amount of money is quarantined and the value cannot be used until a predetermined condition is satisfied.
The items of “name”, “address”, “birth date”, “phone number”, and “mail address” are information for specifying each user. All of these items are not essential registration items and may not be provided depending on circumstances.

FIG. 8B is a diagram for explaining the logical configuration of the charge reservation registration DB.
The charge reservation registration DB includes “electronic money number”, “charge reservation setting”, “account number of financial institution”, “single charge amount”, “daily limit”, “monthly limit”, “charge” “Performance date and time”, “reference value balance”, and other items.
The item “electronic money number” is a key for searching for users registered in the user DB.
The item “setting for charge reservation” is an item for registering that the user is performing not only manual charging from the electronic money server 2 but also setting for “charge reservation”.
The “credit card number” is an item indicating the source of charge resources. Therefore, in some cases, it may be “an account number of a financial institution (bank account number)” or “an ID determined by a telephone company that charges a telephone fee”.
Further, when a plurality of settlement means (credit card, deposit / savings account, etc.) are used, the settlement procedure can be stored.
In the case of debiting from a bank account, it is assumed that a contract is made between the user and the bank for debiting the charge from the electronic money server 2.
“One-time charge amount”, “Daily limit”, “Monthly limit”, “Date and time for charging”, and “Standard value balance” are optional setting items. When there is a setting request from the user, it is recorded in the item.
Here, the one-time charge amount is an amount charged to the general-purpose IC chip 25 of the portable terminal 5 by one charge. If this is set, there is no need to set the amount for each charge.

The daily limit is the upper limit of the total charge per day due to charging.
The monthly limit is the upper limit of the total charge per month due to charging. Further, the limit number per day and the limit number per month may be set.
The date and time for charging is the set date and time when it is desired to set a chargeable time.
The place where charging is performed is a set place when a place where charging is possible is set. In this example, “Kyoto City” and “Tachikawa Station” are set, but negative conditions such as “other than Tokyo” may be set.
The reference value balance is a value balance for executing a new charge when the reference value balance falls below the reference value balance. For example, when the balance falls below the reference value balance, the electronic money server 2 may prompt the charge process by e-mail.

Here, the case where charge resources are added to the telephone charge will be described.
When the mobile terminal 5 has a telephone function and the user has a contract with the mobile phone company, the charge amount can be added to the telephone fee and charged to the user.
This technique is the same as, for example, when the digital content purchase price is added to the telephone charge.
In this case, the electronic money server 2 accesses the mobile phone operator's server instead of the credit company server 3 and requests collection of the amount set in the charge reservation. At this time, the ID that has been notified in advance by the mobile phone operator is also notified.

FIG. 8C is a diagram for explaining a logical configuration of the isolation setting DB.
The “quarantine setting DB” includes “electronic money number”, “amount to be quarantined”, “condition for releasing the quarantine”, and other items.
The item “electronic money number” is a key for searching for users registered in the user DB.
The item “amount to be isolated” is an amount that cannot be used until a certain condition is satisfied among the values stored in the general-purpose IC chip 25.
The item “conditions for releasing the quarantine” is a condition that allows the quarantined amount to be used. Specifically, there are a time condition, a use place condition, a value balance condition, and the like. You may make it set combining these conditions.
Here, the example in which the isolation setting DB is provided in the electronic money server 2 has been described. However, this is not necessarily required, and the isolation setting DB is set only in the IC chip 25 without accessing the electronic money server 2. It may be.

FIG. 9 is a diagram showing a charge reservation setting screen from the electronic money server 2 displayed on the mobile terminal 5 (or the display screen 55 of the PC 50). The charge from the electronic money server 2 according to the present embodiment is premised on user registration in the electronic money server 2 in advance. This is because, unlike a charge based on cash (money) at a store, it is necessary to clarify in advance how to procure funds for the charge.
The charge reservation setting screen from the electronic money server 2 is displayed by the electronic money application 29 received from the electronic money server 2 and displayed. When displaying on the display screen 55 of the PC 50, it is assumed that an application corresponding to the electronic money application 29 is installed in the PC 50. Hereinafter, the application installed in the PC 50 is also referred to as “electronic money application 29” for convenience of explanation.
In addition to the above, the electronic money server 2 provides various types of screens such as a user registration screen, a charge request screen, and a quarantine setting screen provided to the mobile terminal 5 (or the display screen 55 of the PC 50).

On the “Charge Reservation Setting” screen from the electronic money server 2, “a. Credit card” and “b. Bank account withdrawal” are displayed under the display of “1. , “C. Add to phone charge” is displayed.
If there are other ways to secure resources, they are also displayed. The user's selection is received from these. A plurality of them may be selected and the priority order may be set.
Next, “Please set if you want to set a charge amount of 2.1 times” is displayed.
This is an optional setting item. If set, it is possible to save the trouble of inputting the charge amount each time the electronic money server 2 is requested to charge.
This field (the same applies to the following 3 and 4) is a drop-down menu in which the user selects an amount of money. In addition, it can also comprise so that a user may input arbitrary amounts of money.

Next, “3. Please set if you want to set the upper limit of the charge amount within a predetermined period” is displayed. This is also an optional setting item. For example, it can be set as 10,000 yen per day, or 50,000 yen per month.
By making this setting, even if the portable terminal 5 is stolen, it is possible to prevent the damage from being charged one after another and spreading.
Next, “4. Please set the lower limit of the value balance to start charging” is displayed. This is also an optional setting item.
If the value balance falls below the set lower limit value, for example, the electronic money server 2 may notify by e-mail, or the electronic money application 29 displays a notification to that effect on the display screen of the portable terminal 5. It may be.
Further, a setting button 234 and a return button 235 are displayed below each of the above fields.
The setting button 234 is a button for notifying the electronic money server 2 of the content selected by the user. When the setting button 234 is selected, the electronic money application 29 sends the content set by the user to the electronic money server 2. Send.
The return button 235 is a button for returning to the screen displayed before the charge reservation setting screen is displayed.

FIG. 10 is a diagram showing a screen for setting isolation from the electronic money server 2 displayed on the mobile terminal 5 (or the display screen 55 of the PC 50). The isolation setting according to the present embodiment is registered in advance in the electronic money server 2, but is not necessarily required, and may be set in the IC chip 25 in advance.
First, on the “Quarantine Settings” screen from the electronic money server 2, an amount is entered under the display of “1. Set the amount of quarantine”. Also, the amount may be set each time.

Next, “2. Set the conditions for releasing the quarantine” is displayed.
As a condition for releasing the quarantine, “periodic condition”, “location condition”, and “other” are displayed.
Examples of the “temporal condition” include conditions such as 8:00 am every Monday and noon on the first day of every month after 6:00 pm on that day.
The “location-related conditions” include conditions such as “Hokkaido” scheduled to visit on a business trip, inside a predetermined store, inside an amusement park or stadium.
Examples of the “other” condition include a condition in which the value balance becomes equal to or less than a predetermined value.
Subsequently, “3. When setting a plurality of isolation conditions, please indicate whether it is an AND condition or an OR condition” is displayed.
Specifically, “in the station of XX and after 6 pm (AND condition)”, “the campus of XX university or value balance is 3000 yen or less (OR condition)”.
When the setting button 234 is selected, the electronic money application 29 transmits the contents set by the user to the electronic money server 2.

FIG. 11 is a flowchart for explaining a procedure for registering charge use from the electronic money server 2 and setting isolation.
The following processing is performed by the CPU mounted on the information processing unit 26 of the general-purpose IC chip 25 of the electronic money card 100 or the portable terminal 5, the CPU 11 mounted on the PC or the portable terminal 5, and the CPU 31 of the electronic money server 2, respectively. This is performed in accordance with an electronic money processing application program, an electronic money application 29 program, and an electronic money server program.
In the example described here, the general-purpose IC chip 25 and the PC 50 of the electronic money card 100 are connected via a dedicated reader / writer 90 so that data can be transmitted and received.

  First, the electronic money application 29 installed in the PC 50 accesses the electronic money server 2 by a user operation. Then, the electronic money server 2 transmits top screen data to the electronic money application 29, and the electronic money application 29 displays the top screen on the display screen 55 of the PC 50 using this. On the top screen, buttons for charge reservation setting or quarantine setting are displayed.

When the user selects one of the setting buttons, the electronic money application 29 displays an authentication screen on the display (step 5).
The PC 50 may request authentication screen data from the electronic money server 2 and display the authentication screen using the authentication screen data transmitted from the electronic money server 2 in response thereto.
The authentication screen is provided with a password input field and a send button. When the user inputs a password in the password input field (step 10), the electronic money application 29 receives the password and temporarily stores it in a RAM or the like.

  When the user selects the send button, the electronic money application 29 inputs an ID reference command to the general-purpose IC chip 25, reads the electronic money number from the general-purpose IC chip 25, and stores the password and electronic money number stored in the RAM. As authentication information to the electronic money server 2 (step 20).

When the electronic money server 2 receives the authentication information from the electronic money application 29, it authenticates the electronic money application 29 by comparing the password stored in the user DB with the electronic money number (step 25). An authentication result is transmitted (step 30).
When the electronic money application 29 receives the authentication result from the electronic money server 2, the electronic money application 29 displays an authentication result screen using this.

When the electronic money server 2 fails to authenticate the user, the authentication result screen displays the content for notifying the authentication error, and the user cannot make settings.
On the other hand, when the electronic money server 2 succeeds in user authentication, the authentication result screen displays a rule for receiving a charge or quarantine setting service and an agreement button for inputting that the user agrees to the rule. .
It should be noted that the agreement display and its agreement can be configured to be performed at the first time or when the agreement is revised.

When the user selects the consent button, the electronic money application 29 displays the setting screen shown in FIG. 9 or 10 (step 35).
The portable terminal 5 requests the charge reservation setting screen data from the electronic money server 2 and displays the charge reservation setting screen using the charge reservation setting screen data transmitted from the electronic money server 2 in response to the request. It can also be configured as follows.

The electronic money application 29 accepts input of registration information when the user selects various conditions from the setting screen (step 40).
When the user selects the setting button 234, the electronic money application 29 transmits registration information to the electronic money server 2 (step 45). At this time, the electronic money application 29 stores the lower limit value of the value balance in a ROM or the like for later use in confirmation of the value balance.

The electronic money server 2 receives the registration information from the electronic money application 29 and records it in the charge reservation registration DB or the quarantine setting DB to perform a registration process (step 50). As described above, the registration process related to the charge reservation or quarantine setting in the electronic money server 2 is completed.
Next, the user transmits the same content registered in the electronic money server 2 from the PC 50 to the general-purpose IC chip 25 of the electronic money card 100 via the reader / writer 90 (step 55). In response to this, the general-purpose IC chip 25 registers the contents transmitted to the EEPROM 125 (step 60). This registration may be automatically performed by the electronic money application 29.
By performing this registration, the value can be isolated later according to user settings.

Next, when charging from the electronic money server 2, the general-purpose IC chip 25 is prepared for charging without being charged immediately, and is charged when a certain condition is met later (charge reservation) An embodiment will be described. In this embodiment, the general-purpose IC chip 25 determines whether or not a certain condition is met later.
FIG. 12 is a diagram showing an example of a charge request screen displayed on the display screen 55 of the PC 50, and FIG. 13 is a flowchart for explaining the procedure of the charge reservation process.
First, the electronic money application 29 installed in the PC 50 displays a charge request screen as shown in FIG. 12 in response to a request from the user. Here, it is assumed that the user selects “please prepare for the time being”. At this time, simultaneously with the “charge amount (X yen)”, when setting multiple “conditions for executing the charge” and “conditions for executing the charge”, the setting and whether both are AND conditions or OR conditions are also received. (Step 100). However, there is no need to receive when a single charge amount is set in advance.

Next, the electronic money application 29 accesses the electronic money server 2 to request charging of the amount (X yen) received in step 100 and sends the received charge execution condition and electronic money number to the electronic money server 2. Transmit (step 105). This electronic money number is acquired in advance from the general-purpose IC chip 25 when setting the charge reservation shown in FIG.
In this embodiment, since authentication processing is performed at the time of charge reservation registration, authentication is not performed when actually making a charge reservation, but authentication is performed by asking for a password each time a charge reservation is made. You may comprise as follows.

The electronic money server 2 that has received the charge reservation request identifies the corresponding credit card number set by the user from the charge reservation registration DB using the received electronic money number as a key (step 110).
Next, the electronic money server 2 secures resources for charging from the identified corresponding credit card number (step 115). Specifically, the credit approval is obtained from the credit company server 300 based on the registered credit card number. In addition, when the charge source is withdrawn from the bank account, the bank account is transferred for the charge amount.
Then, a command group for charging (a command group including a set charge condition) is generated, and an electronic signature is given (step 120).
Here, the electronic signature is performed in order to prove that the command group is generated by the electronic money server 2 and that no falsification has been made.

Next, the electronic money server 2 transmits the generated command group with a signature to the electronic money application 29 of the PC 50 (step 125).
The electronic money application 29 of the PC 50 receives a command group with a charge signature from the electronic money server 2 and transmits (inputs) the command group to the general-purpose IC chip 25. At the same time, the charge condition received in step 100 is also transmitted (step 130).
When receiving the charge command group from the electronic money application 29, the general-purpose IC chip 25 verifies the electronic signature attached to them (step 135). After this verification, the command group is stored in the EEPROM 125. At the same time, the received charge condition is also stored in the EEPROM 125 (step 140).

At this stage, the processing of the present embodiment is temporarily terminated. That is, charging is not performed at this time, but if the general-purpose IC chip 25 determines that the charging condition is satisfied, the charging is immediately executable. If the charge condition is satisfied, the series of previous steps for charging can be omitted and charging can be performed immediately.
If the electronic money application 29 is not requested to save the command group once, that is, when “please charge immediately” is selected on the screen of FIG. 12, the command is immediately executed, Update (increase) the value balance.
In the above-described embodiment, an example of preparing for charging via the PC 50 has been described. However, a command group for charging is stored in the general-purpose IC chip 25 using the communication function of the mobile terminal as shown in FIG. It may be.

Next, a processing procedure for determining whether or not a charge condition is satisfied will be described with reference to the flowchart of FIG.
First, a user purchases a product at a store, for example, and makes a payment request using the electronic money card 100. Then, the electronic money card 100 is brought close to the payment terminal 6. Then, the reader / writer unit 139 of the payment terminal 6 supplies power to the electronic money card 100 (step 200). Specifically, the antenna 126 of the electronic money card generates power for driving the general-purpose IC chip 25 by radio waves from the reader / writer unit.
Then, the general-purpose IC chip 25 determines whether there is a charge command group that satisfies the charge condition at that time (step 205). At this time, when judging the time condition, the time is also acquired from the settlement terminal 6 (if the general-purpose IC chip 25 includes a time measuring means, the means may be used).
In addition, in the case of a condition regarding a place, position information is acquired from the payment terminal 6. Alternatively, the payment terminal ID may be acquired from the payment terminal 6 and the position information may be acquired based on the acquired payment terminal ID.
Further, when the general-purpose IC chip 25 is equipped with a GPS (Global positioning system), the position information may be acquired and determined by itself.

As a result of this determination, if there is a charge command group that satisfies the condition (step 205; Y), a charge based on the command group is executed (step 210). On the other hand, if there is no charge command group that satisfies the condition (step 205; N), the process proceeds to the next process without charging.
Thereafter, when there is a request for transmission of an electronic money number from the payment terminal 6 (step 215), the general-purpose IC chip 25 transmits an electronic money number (step 220), and when there is a transmission request for a value balance from the payment terminal 6 ( Step 225), the general-purpose IC chip 25 transmits the value balance (step 230).
When the money amount change information is transmitted from the payment terminal 6 (step 235), the general-purpose IC chip 25 updates the value balance (step 240) and notifies the payment terminal 6 that the update is completed (step 235). 245).
Thereafter, the payment terminal 6 sounds a payment completion sound for notifying the user that payment has been completed, and ends the processing (step 250).

Next, processing for requesting isolation of value according to the second embodiment will be described. This request is made on the assumption that the isolation setting shown in FIG. 10 has been performed.
FIG. 15 is a diagram showing an example of a screen for requesting isolation displayed on the display screen 55 of the PC 50.
When the user issues a quarantine request, the quarantine amount in the electronic money storage unit 129 shown in FIG. 2 is set. When the quarantine is set, a temporary balance obtained by subtracting the quarantine amount from the value balance becomes a balance displayed to the outside. Therefore, the user can settle only within the range of the temporary balance until the quarantine is released.
When requesting quarantine according to the screen of FIG. 15, if there is a change in the quarantine amount and the condition for releasing the quarantine set in the quarantine setting of FIG.
Here, an example of isolating existing values (those that have already been charged) has been described. However, for example, when performing online charging as shown in FIGS. 9 and 12, this isolation setting is performed. It may be.

Next, a processing procedure for determining whether or not a condition for canceling the quarantine amount is established will be described with reference to a flowchart of FIG.
First, when the user gets on a train, for example, the user brings the electronic money card 100 close to the payment terminal 6 installed at the ticket gate of the station. Then, the reader / writer unit of the payment terminal 6 supplies power to the electronic money card 100 (step 300).
Then, the general-purpose IC chip 25 determines whether or not there is a quarantine amount that satisfies the cancellation condition at that time (step 305). At this time, when judging the time condition, the time is also acquired from the settlement terminal 6 (if the general-purpose IC chip 25 includes a time measuring means, the means may be used).
In addition, in the case of a condition regarding a place, position information is acquired from the payment terminal 6. Alternatively, the payment terminal ID may be acquired from the payment terminal 6 and the position information may be acquired based on the acquired payment terminal ID. Further, when the general-purpose IC chip 25 is equipped with a GPS (Global positioning system), the position information may be acquired and determined by itself.

  As a result of this determination, if there is a quarantine amount that satisfies the release condition (step 305; Y), the quarantine amount is released (step 310). The cancellation is executed by setting the quarantine amount to 0 yen. Therefore, if the cancellation is executed, the balance obtained by adding the quarantine amount to the temporary balance before the cancellation is executed becomes the temporary balance after the cancellation is executed.

On the other hand, if there is no quarantine amount for which the condition for canceling is satisfied (step 305; N), the canceling is not performed and the process proceeds to the next process.
When the quarantine is released, after that, when there is a request for transmission of the electronic money number from the payment terminal 6 (step 315), the general-purpose IC chip 25 transmits the electronic money number (step 320). When there is a balance transmission request (step 325), the general-purpose IC chip 25 transmits the temporary balance after the quarantine is released (step 330). Therefore, the value balance that can be settled is increased.
When the money amount change information is transmitted from the payment terminal 6 (step 335), the general-purpose IC chip updates the value balance (step 340) and notifies the payment terminal 6 that the update is completed (step 345). ).
Thereafter, the payment terminal 6 sounds a payment completion sound for notifying the user that payment has been completed, and ends the processing (step 350).

Next, a charge execution condition according to the first embodiment and a quarantine amount cancellation condition according to the second embodiment will be described.
Here, an example is assumed in which a parent attends a cram school and a parent holds the electronic money card 100. If the return transportation cost is 400 yen, the 400 yen portion is set in the charge preparation state (first embodiment) or isolated (second embodiment). The charge execution condition or the quarantine amount cancellation condition is defined as when the electronic money card 100 is held over a payment terminal installed at the ticket gate of the nearest station of the cram school after 6:00 pm when the class at the cram school ends. deep.
By doing so, the transportation cost of 400 yen for the return trip is released after 6 pm or when the electronic money card 100 is held over the station and can be used.
Therefore, even if a child wastes food and drinks, the transportation cost can be surely secured.

In the first embodiment and the second embodiment described above, when power is received from the payment terminal 6, information for making a determination regarding the condition for executing the charge and the condition for releasing the quarantine amount is used for the payment. Although it was acquired from the terminal 6, the present invention is not limited to this, and what can be acquired from the electronic money card 100, for example, time is acquired from the electronic money card 100 (that is, the general-purpose IC chip 25) and determined. May be.
In the first embodiment and the second embodiment described above, the condition for executing the charge and the condition for releasing the quarantine amount are always determined on the general-purpose IC chip 25 side. Further, even before the charge execution condition and the quarantine amount are released, there is no problem in performing settlement with the value as long as a usable value balance is stored. Therefore, the electronic money card 100 itself can continue to be used as a normal electronic money card.
Further, if settlement is performed with a settlement amount of 0 yen (settlement in which a command for rewriting the value balance to the same amount as the value balance acquired from the general-purpose IC chip 25 is sent to the general-purpose IC chip 25), it is not a value settlement scene. However, it is also possible to acquire information for determining the condition from the reader / writer unit.

Regarding the charge execution condition according to the first embodiment and the quarantine amount cancellation condition according to the second embodiment, there are a condition regarding time (time), a condition regarding a place, a condition regarding a payment terminal, a condition regarding a value balance, and the like. can give.
First, as a condition regarding time, an example in which a plurality of conditions are set step by step can be given. For example, in the case of the first embodiment, the value is periodically charged such as 5,000 yen on August 1, 5,000 yen on September 1, and 5,000 yen on October 1. Like that. Further, in the case of the second embodiment, with 15,000 yen being isolated, 5,000 yen on August 1, 5,000 yen on September 1, and 5,000 on October 1. The isolation is partially released periodically such as 000 yen. By doing this, it is possible to appropriately pay for monthly allowances and scholarships so that children and scholars can be prevented from running out in a short period of time.
In this example, an expiration date of one month is associated with the condition of charging a value of 5,000 yen on August 1 or the condition of releasing the 5,000 yen isolation on August 1. By setting, if the electronic money card 100 has never been used for payment or the like from August 1 to September 1, the condition is processed as not determined thereafter. In the case of the charge of the first embodiment, the resources may be returned to the electronic money server 2 or may be carried over to the next month.

In addition, the value balance is acquired on August 1, September 1, and October 1 by combining the conditions on the time and the conditions on the value balance, and the value balance is less than a predetermined value, for example, 10,000 yen or less. In this case, the charge for 5,000 yen can be executed and the quarantine amount can be canceled.
Thus, the conditions can be set by combining a plurality of conditions. As a condition for this combination, not only an AND condition but also an OR condition can be used.
For example, in the above example of securing transportation expenses for children, after 6 pm when the cram school ends, it is possible to use a payment terminal installed at the ticket gate of the OR station, so that the class ends early and returns home. Can be used as a return transportation expense.

Next, the conditions regarding the place include a settlement within a radius of 1 km from a predetermined place, for example, a settlement in Kyoto Prefecture visited on a school excursion, a settlement at a school purchasing department, and the like.
The acquisition of the position information may be determined using the installed GPS as well as using the payment terminal ID of the payment terminal 6 that has been energized.

  It is also possible to set conditions regarding the settlement terminal ID. For example, in order to provide transportation expenses to employees, if the terminal is a payment terminal provided at a ticket gate of a station, if you pass the electronic money card 100 with the conditions of charge execution and release of the quarantine amount, you can be sure of traffic It is used only for expenses, and it is possible to save the trouble of adjusting the advance payment later.

It is also possible to set conditions regarding the payment object. For example, when paying a reception fee for television broadcasting or sanitary broadcasting, a subscription fee for newspapers, various membership fees, textbooks, stationery, etc., charge is executed and the quarantine amount is canceled.
In order to determine whether or not these payments are made, for example, the barcode of the invoice is read and the information is acquired through the payment terminal 6.
By setting such conditions, payments unrelated to waste can be made without delay.

It is also possible to set conditions regarding the current value balance. For example, if the current value balance is less than 10,000 yen, charge is executed and the quarantine amount is released. By doing so, it is possible to prevent the value balance from being reduced and the settlement from being hindered.
It is also possible to set as a condition that a certain time has passed since the previous settlement. For example, if three hours or more have passed since the last settlement, electronic money can be prevented from being frequently used.

The conditions for executing the charge according to the first embodiment and the conditions for releasing the quarantine amount according to the second embodiment can be set not only positively but also passively.
First, the condition regarding time (time) is, for example, that it is not after 6 pm, that is, before 6 pm. By setting the conditions in this way, it becomes impossible to execute the charge and release the quarantine amount after 6 pm, and the value can not be used.
The conditions regarding the location are, for example, “other than Tokyo” and “other than Honshu”. By setting the conditions in this way, it is possible to execute charge and cancel the quarantine amount when leaving Tokyo or from Honshu. In other words, it is possible to obtain the same effect as executing charge and canceling the quarantine amount when the conditions “Tokyo” and “Honshu” are not satisfied.
As a condition regarding the value balance, for example, the value balance is not more than 5,000 yen. By setting in this way, it is possible to obtain the same effect as executing charge and canceling the quarantine amount when the condition of “5,000 yen or more” is not satisfied.
Moreover, as conditions regarding a payment terminal, the payment terminal provided in the ticket gates other than Odakyu Line is mention | raise | lifted, for example. By making such a setting, when a child who normally goes to school only on the Odakyu Line goes to another place, the transportation cost can be secured.

In the second embodiment, it is also possible to cancel the isolation once and set the isolation again under a certain condition later.
For example, if it is determined that the user is in a station premises or a theme park, the quarantine amount is canceled, and if it is determined that the user has exited, the quarantine is set again. In this way, a specific value can be directed to be used only at a specific location.
Here, the judgment of whether or not you are in a specific place is based on the premise that an entrance flag is set when entering, and an entrance flag is lowered when leaving. If the number of the former is one more than the number of the latter, it can be considered that it is entering.

In the second embodiment, it is also possible to cancel the isolation once and set the isolation again when the condition is not satisfied later.
For example, when the electronic money card 100 is given to a child, the quarantine is set to be released when the electronic money card 100 is held over the payment terminal installed at the ticket gate at the nearest station of the cram school after 6 o'clock. Suppose that When the electronic money card 100 is held over the payment terminal of the station ticket gate after 6 o'clock and then the electronic money card 100 is held over the payment terminal of the convenience store, the condition of “the ticket gate of the nearest station” is satisfied. Since it is not, set to quarantine again.
By making such a setting, it can be prevented that the purpose of restricting the use due to the isolation being released is not achieved. That is, if the isolation condition is not satisfied, by setting the isolation again, the purpose of using a certain value only for the transportation cost can be achieved.

It is also possible to configure so that the quarantine once set can be released before the release condition is satisfied.
Specifically, in the above example, when the parent handed the electronic money card 100 with the transportation expenses isolated to the child, if it is set to release the separation after 6 pm, it is necessary to return home early. When it occurs, a request for releasing the quarantine is sent from the PC 50 to the electronic money server 2 via the Internet. Then, when the electronic money card 100 is held over the payment terminal 6 installed at the ticket gate of the station, information for releasing the quarantine is obtained from the electronic money server 2 via the payment terminal 6 and the quarantine is released.
Further, when the general-purpose IC chip 25 is mounted on the portable terminal 5, the quarantine may be released by rewriting the setting by e-mail from the parent.

FIG. 17 is a functional block diagram corresponding to the claims.
The data storage unit shown in this figure corresponds to the data storage means of claim 1. Further, the determining unit is the determining unit of claim 1, the immediately preceding balance changing unit is the immediately preceding balance changing unit of claim 1, the balance storage unit is the balance storing unit of claim 1, and the balance changing unit is the balance changing unit of claim 1. Corresponds to means.
Further, the isolation part corresponds to the isolation means of claim 2.
The IC chip 25 includes a data storage unit, a determination unit, a balance change unit, a balance storage unit, a balance change unit, and an isolation unit.

The data storage unit stores a reservation change amount inputted from the outside and an application condition for applying the reservation change amount to the balance stored in the balance storage unit. The determination unit determines whether or not the application condition is met when the presence of the payment terminal is detected.
When the determination unit determines that the application condition is satisfied, the change unit immediately before the balance stores the data stored in the data storage unit in association with the application condition before the balance stored in the balance storage unit is referred to or updated by the payment terminal. The balance is changed by the reserved change amount.
The balance storage unit stores the balance of electronic value. The balance change unit changes the balance stored in the balance storage unit using the balance change information acquired via the payment terminal.
The isolation unit reduces the balance by isolating all or part of the balance as the isolation amount.
The function of the IC chip 25 is realized by a data storage unit, a determination unit, a balance immediately changing unit, a balance storage unit, a balance changing unit, and an isolating unit.

1 Electronic Money System 2 Electronic Money Server 3 Internet 4 Electronic Money Card 5 Mobile Terminal 6 Payment Terminal 7 Asynchronous Payment Terminal 8 Communication Line 11 CPU
12 ROM
13 RAM
DESCRIPTION OF SYMBOLS 14 Input part 15 Output part 16 Communication control part 17 Short-distance communication control part 18 Memory | storage part 19 Bus line 25 General-purpose IC chip 26 Information processing part 27 Memory | storage part 31 CPU
32 ROM
33 RAM
34 Communication Control Unit 35 Storage Unit 36 Bus Line 90 Reader / Writer 100 Electronic Money Card 121 CPU
122 High frequency circuit 123 ROM
124 RAM
125 EEPROM
126 antenna 129 electronic money storage unit 300 credit company server

Claims (10)

A currency terminal comprising balance storage means for storing a balance of electronic value and balance change means for changing a balance stored in the balance storage means using balance change information acquired via a settlement terminal. And
The previously inputted from the outside, application condition and the reservation change amounts to apply reservation change amount and the reservation change amount to the balance stored in the balance storage means prior to the existence of the payment terminal is detected Data storage means for associating and storing a command group to be applied to the balance stored in the balance storage means;
A determination means for determining success or failure of the application condition when the presence of the payment terminal is detected;
When the determination unit determines that the application condition is satisfied, the command group is used to associate the balance stored in the balance storage unit with the application condition before the balance is referenced or updated by the payment terminal. A balance immediately changing means for changing the balance by the reservation change amount stored in the data storage means;
A currency terminal further comprising: The money terminal according to claim 1, wherein the reservation change amount is premised on securing the funds for the reservation. Comprising isolation means for reducing the balance by isolating all or part of the balance as an isolation amount;
The money terminal according to claim 1, wherein the balance immediately before changing unit increases the balance by releasing the quarantine for the reservation change amount of the quarantine amount. When it is determined that the application condition is not satisfied, the immediately preceding balance change unit reduces the balance by isolating again the quarantine amount that has been released when the application condition is determined to be satisfied. The money terminal according to claim 3 . The reservation change amount is an amount included in balance change information for changing the balance held in advance,
The money terminal according to claim 1, wherein the immediately preceding balance change unit increases the balance by executing the balance change information.   The money terminal according to claim 1, wherein the balance immediately before changing unit reduces the balance by performing isolation for the reservation change amount. The data storage means stores information for determining an expiration date of the application condition in association with the application condition;
It said determining means money terminal according to if the expiration date of the application conditions has elapsed, to 6 claim 1, characterized in that not determine the success or failure of the application conditions. The application condition is a condition related to information acquired from the payment terminal,
The determination means, based on information obtained from the settlement terminal when the presence of the payment terminal has been detected, money according to claims 1 7, characterized in that to determine the success or failure of the application condition Terminal. Control of money terminal comprising balance storage means for storing balance of electronic value and balance change means for changing balance stored in balance storage means using balance change information acquired via settlement terminal A method,
The previously inputted from the outside, application condition and the reservation change amounts to apply reservation change amount and the reservation change amount to the balance stored in the balance storage means prior to the existence of the payment terminal is detected A data storage step for storing a command group to be applied to the balance stored in the balance storage means in association;
A determination step of determining success or failure of the application condition when the presence of the payment terminal is detected;
When it is determined by the determination step that the application condition is satisfied, the command group is used to associate the balance stored in the balance storage unit with the application condition before the balance is referenced or updated by the payment terminal. A balance change step for changing the balance by the reservation change amount stored in the data storage step ;
A control method for a money terminal, further comprising: In a money terminal comprising balance storage means for storing a balance of electronic value, and balance change means for changing a balance stored in the balance storage means using balance change information acquired via a payment terminal,
The previously inputted from the outside, application condition and the reservation change amounts to apply reservation change amount and the reservation change amount to the balance stored in the balance storage means prior to the existence of the payment terminal is detected A data storage function for associating and storing a command group to be applied to the balance stored in the balance storage means ;
A determination function for determining success or failure of the application condition when the presence of the payment terminal is detected;
When it is determined by the determination function that the application condition is satisfied, the command group is used to associate the balance stored in the balance storage unit with the application condition before the balance is referenced or updated by the payment terminal. A balance immediately changing function for changing the balance by the reservation change amount stored by the data storage function ;
A program to make a computer realize.

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