JP2000029960A - Electronic money transaction method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To display transaction contents on both an origination and a termination side by providing a function which stores and displays as the transaction history contents of electronic money information reported from a telephone station through a communication line. SOLUTION: Once sender information is received, it is demodulated by a modem part 5, and a control part 4 recognizes information on the sender, displays the contents at a display part 6, and also stores the contents in a memory part 7 as information on the transaction history of electronic money at the same time. An IC card 8 has contents regarding a transaction in its memory part as an electronic money transaction history and the transaction contents are stored in the memory part 7 of the device at the same time. A terminal equipment reads information which has the same number as the ID number of the IC card 8 and also has matching transaction contents out of the memory part 7 while the control part 4 reads transaction history contents that the user desires by communicating with the IC card 8. Then the control part 4 displays information on the transaction day and time, transaction amount, currency, etc., and further the transaction opposite person at the display part 6.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus for controlling electronic money, and more particularly to an electronic money transaction method.

[0002]

2. Description of the Related Art Conventionally, as a terminal device for controlling and paying for electronic money using a communication line, a telephone having a function of communicating with an IC card has been known. There are many possible counterparties, such as bank host computers, dealers, and acquaintances. When the electronic money is settled with these trading partners, the transaction date and time, the transaction amount / currency, and the information of the trading partner (sender name, etc.) are used as the transaction history at that time.
Recorded in the C card. Using the terminal device, the user can arbitrarily display the contents of the transaction history on the display device from the IC card and check the transaction history of the electronic money.

[0003]

In the above-mentioned electronic money settlement, not only transmission from the user to the counterparty but also, in some cases, automatic transfer or automatic debit from the host computer of the bank to the terminal of the user. For the purpose of (1), it is conceivable that the terminal of the user receives a call. At that time, the destination information left as the electronic money transaction history is limited to the information already written in the destination IC card. In some cases, the sender name in the transaction does not always match the actual partner.

For example, when an electronic money settlement operation using a communication line fails due to some influence on the communication line, etc., and the communication line is temporarily disconnected, accurate information of the sender is required. (Telephone number, caller name, etc.) is not recorded, so that it is difficult to confirm the caller.

An object of the present invention is to solve the above problems and to provide an electronic money transaction method capable of recording and displaying accurate information of a communication partner at the time of electronic money transaction.

[0006]

According to the present invention, there is provided means for connecting and disconnecting an apparatus having a telephone function to and from a communication line,
A means for recognizing and storing caller information (telephone number, caller name, etc.) notified from a telephone station through a communication line, a means for displaying such information on a display device, and a control of electronic money. Means for connecting and disconnecting the electronic money control device from the communication line, and means for making electronic money settlement using the communication line.

Further, the electronic money transaction history display function is provided with a function of displaying information notified from a telephone station through a communication line on a display device and displaying the content of the electronic money transaction history.

[0008]

FIG. 1 is a block diagram showing an embodiment of the present invention.

In this embodiment, an example will be described in which the system is adapted to the NTT "number display system" started in February 1998. FIG. 3 is a timing chart for receiving information.

Normally, during standby, a communication line is connected to the telephone unit 2 by the network control unit 1, and the user can arbitrarily connect the telephone line 2
As a result, it is possible to make and receive calls.

Here, in order to notify the user of information (telephone number, caller name, etc.) from the caller through the telephone line, an information receiving terminal activation signal 11 notifying that the information is to be transmitted is sent. If it has come, first, the signal is detected by the activation signal detection unit 3 and a detection signal 9 is sent to the control unit 4. Upon receiving this signal, the control unit 4 determines that there is notification of caller information, and immediately sends a switching signal 10 to the network control unit 1 to connect the communication line to the modem unit 5 and respond. A signal is sent to the exchange through a communication line, and preparations are made for notification of caller information.

Thereafter, when the caller information is received from the communication line, it is demodulated by the modem unit 5 and sent to the control unit 4 as digital data. The control unit 4 recognizes the information as the caller information and displays the contents on the display unit 6. Is displayed and stored in the memory unit 7 as transaction history information of electronic money. After receiving the caller information, a reception completion signal is sent to the exchange through the communication line, and the communication line is again connected to the telephone unit 2 by the network control unit 1. Immediately thereafter, the exchange sends a call signal 13 as a normal telephone call arrival, and the call bell of the telephone unit 2 rings.

After receiving the call, the user performs an operation according to the electronic money settlement function, and electronic money (cash data) is transferred from the IC card 8 to a business partner (sender) through the communication line. . At this time, the contents related to the transaction are stored in the memory section of the IC card 8 as electronic money transaction history. At the same time, the transaction contents are also stored in the memory unit 7 of the apparatus. It is assumed that these pieces of information are stored in the memory unit 7 in a state of being paired with an ID number for each IC card.

When the user uses the transaction history function of electronic money, the terminal unit having the present invention reads the transaction history contents desired by the user through communication with the IC card 8 at the same time. From the memory unit 7, information having the same number as the ID number of the IC card 8 being read and having the same transaction content (time, partner, amount, etc.) is read. However, if all items do not match, no reading is performed. The control unit 4 displays the information on the display unit 6
, The transaction date and time, transaction amount / currency, etc., and information (telephone number, caller name, etc.) of the transaction partner are displayed.

FIG. 2 shows an example of a transaction history display screen. Transaction no (transaction number), Action (transaction type), Currency (currency), Amount (amount), Date
(Date) is composed of information read from the IC card,
The Transaction Party is composed of caller information (telephone number, name) transmitted via the telephone office. In this example, an example in which the information of the IC card and the information stored in the device are displayed in combination is shown, but all the display items may be displayed by the information stored in the memory unit 7 of the device.

In the above embodiment, an example in which the user receives an incoming call has been described. However, when the user is on the calling side, information (telephone number, destination name, etc.) at the time of dial input operation performed at the time of calling is described. ) May be stored in the memory unit 7 as information of the electronic money transaction history, so that the transaction contents can be displayed on both the calling side and the called side.

[0017]

The present invention relates to electronic money settlement using a communication line, and has the effect of improving the usability by recording and displaying information (telephone number, caller name, etc.) of a business partner.

[Brief description of the drawings]

FIG. 1 is a block diagram showing one embodiment of the present invention.

FIG. 2 is a diagram showing a display example showing one embodiment of the present invention.

FIG. 3 is a timing chart showing one embodiment of the present invention.

[Explanation of symbols]

1: Network control unit (NCU), 2: Telephone unit, 3
... Start signal detector, 4 ... Controller (CP
U), 5: modem section, 6: display section, 7: memory section (RAM, ROM), 8: IC card, 9: detection signal, 10: switching signal, 11: information receiving terminal activation signal, 12: sender Information from the call 13;

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Claims (3)

[Claims] 1. A means for connecting and disconnecting a communication line with an apparatus having a telephone function, and a means for recognizing and storing caller information (telephone number, caller name, etc.) notified from a telephone station through a communication line. Means for displaying such information on a display device, means for controlling electronic money, means for connecting and disconnecting a communication line with the electronic money control device, and electronic money settlement using the communication line. An electronic money transaction method, comprising a function of storing and displaying information notified from a telephone station through a communication line as transaction history of electronic money. 2. The electronic money transaction history display function according to claim 1, wherein information notified from a telephone station through a communication line and electronic money transaction history contents recorded on an IC card are combined and displayed on a display device. An electronic money transaction method comprising: 3. The electronic money transaction history display function according to claim 1, further comprising a function of classifying and displaying the same caller information or the IC card ID number notified from a telephone station through a communication line. An electronic money transaction method comprising: