JP2002109426A - Electronic money system, payment receipt unit, electronic money issue unit and record medium that records those programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic money system that enables the cancellation of payment made by electronic money. SOLUTION: The electronic money system is equipped with a payment execution means, an electronic money issue means that performs the issuance of the electronic money corresponding to the payment execution means and a payment receipt means that receives the electronic money paid by the payment execution means and deposits the electronic money in the electronic money issue means, and the above payment receipt means sends to the above electronic money issue means a request to change the payer at the time of electronic money payment by the payment execution means to a new payee and also to change the payee at the time of payment of the electronic money to a new payer and in response to the request, the above electronic money issue means issues the electronic money to the above new payee.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an electronic money system, and more particularly, to an electronic money system capable of canceling payment by electronic money.

[0002]

2. Description of the Related Art FIG. 1 is a diagram showing a schematic configuration of an electronic money system according to the prior art to which the present invention is applied. As shown in FIG. 1, the electronic money system includes an electronic money use license issuing unit 1, an electronic money issuing unit 2, a payment executing unit 3, and a payment receiving unit 4. In the figure, a solid line connecting the components indicates that information is transmitted and received as necessary. The portions surrounded by dotted lines indicate that each unit can be realized by one device or the like.

The electronic money use license issuing unit 1 gives the payment execution unit 3 permission to use electronic money. The electronic money issuing unit 2 issues a balance increase command and verifies the transfer approval information. Further, the payment executing unit 3 receives the balance increase command and makes a payment to the payment receiving unit 4, and the payment receiving unit 4 receives the payment from the payment executing unit 3 and deposits the payment into the electronic money issuing unit 2. In this electronic money system, the electronic money balance of the payment executing unit 3 can be increased only by the balance increasing command issued by the electronic money issuing unit 2 in order to enhance security.

[0004]

According to the above-mentioned conventional electronic money system, the electronic money balance can be increased only by the balance increase command from the electronic money issuing unit 2, so that the payment executing unit 3 can pay the electronic money by the payment. After the money balance is reduced, the process cannot be canceled to return the balance to the state before payment. Therefore, in order to cancel the processing, it was necessary to use means other than electronic money, such as cash refund.

[0005] For example, assuming that an IC card as a payment executing unit is filled with electronic money for 1000 yen, if a 300 yen product is purchased with electronic money, the IC card balance after payment becomes 700 yen. . Here, 30
When a commodity of 0 yen is returned, the electronic money reduction processing cannot be canceled to return the balance to the state before payment, so that, for example, 300 yen is refunded in cash. In order to return the balance of the IC card to the original state of 1,000 yen, it was necessary to refill the IC card with 300 yen of the refunded cash as electronic money.

[0006] The present invention has been made in view of the above points, and has as its object to provide an electronic money system capable of canceling payment by electronic money.

[0007]

In order to achieve the above object, the present invention can be configured as follows.

According to the first aspect of the present invention, there is provided a payment executing unit, an electronic money issuing unit for issuing electronic money to the payment executing unit, and receiving the payment of the electronic money from the payment executing unit to transfer the electronic money. An electronic money system comprising: a payment receiving means for receiving payment to an electronic money issuing means, wherein the payment receiving means sets a new payment destination when paying the electronic money from the payment executing means; Sending a request to pay the new payment source to the electronic money issuing means,
The electronic money issuing means issues electronic money to the new payee based on the request.

According to the present invention, it is possible to cancel electronic money once paid.

[0010] According to a second aspect of the present invention, in the first aspect, the payment receiving means has a signature key for applying a digital signature to the request, and the electronic money system verifies the digital signature. The electronic money issuing means issues electronic money to the new payee after confirming the validity of the request using the verification means. .

According to the present invention, the validity of a request can be confirmed, and security can be ensured.

According to a third aspect of the present invention, in the first aspect, the electronic money issuing means issues to the new payee the same amount of electronic money as the amount paid when the electronic money was paid.

According to a fourth aspect of the present invention, in the first aspect, the payment receiving unit transmits the request to the electronic money issuing unit together with the information for deposit.

According to the present invention, the payment can be canceled even with electronic money issuing means in which account processing is started within a short period of time after payment.

According to a fifth aspect of the present invention, there is provided a payment receiving device for receiving payment of electronic money from the payment executing means and depositing the electronic money into the electronic money issuing means. And a means for transmitting to the electronic money issuing means a request to set the payee at the time of payment of the electronic money as a new payment source.

According to a sixth aspect of the present invention, in the fifth aspect, the payment receiving apparatus further has a signature key for digitally signing the request.

According to a seventh aspect of the present invention, in the fifth aspect of the present invention, the payment receiving device has a unit for transmitting the request to the electronic money issuing unit together with the information for the payment.

An eighth aspect of the present invention is an electronic money issuing apparatus that issues electronic money to payment executing means and receives payment from the payment receiving means that has received the electronic money from the payment executing means. Receiving, from the payment receiving means, a request to set the payment source at the time of electronic money payment from the payment execution means as a new payment destination and to set the payment destination at the time of electronic money payment as a new payment source;
Means for issuing electronic money to the new payee based on the request.

According to a ninth aspect of the present invention, in the eighth aspect, the electronic money issuing device further includes a unit for confirming the validity of the request.

According to a tenth aspect of the present invention, in the eighth aspect, the electronic money issuing device issues the same amount of electronic money as the payment amount at the time of paying the electronic money to the new payee.

According to the fifth to tenth aspects of the invention, substantially the same operation and effect as those of the electronic money system can be obtained.

The invention according to claims 11 to 16 is a recording medium on which a program suitable for being mounted on the payment receiving device or the electronic money issuing device is recorded, and is substantially the same as the electronic money system. It has a function and effect.

[0023]

FIG. 2 is a schematic block diagram of an electronic money system according to an embodiment of the present invention. As shown in the figure, in the electronic money system according to the present invention, the validity of the digital signature created by the payment receiving unit 5 can be verified, and the payment receiving unit management unit 6 having a reliable relationship with the electronic money issuing unit 2 can be verified. Is added. Further, the payment receiving unit 5 has a transfer destination change request signature key, and has a function of sending a transfer destination change request described later to the electronic money issuing unit 2. Also in FIG. 2, solid lines connecting the respective units indicate that information is transmitted and received as necessary. The portions surrounded by dotted lines indicate that each unit can be realized by one device or the like.

In this electronic money system, the payment receiving unit 5 sends a transfer destination change request to the electronic money issuing unit 2 to cancel payment by electronic money, and the electronic money issuing unit 2
Confirms the validity of the transfer destination change request to the payment receiving unit management unit 6 and issues a balance increase instruction equal to the payment amount to the payment execution unit 3 that was the payment source. Details will be described later.

This electronic money system can be realized, for example, by the configuration shown in FIG. The electronic money system shown in FIG. 3 includes an electronic money use license issuing unit 1, an electronic money issue unit 2, and an electronic money use license issuing device 7 corresponding to the payment receiving unit management unit 6, an electronic money issuing device 8, and a payment receipt. ATM 14 (automatic) for charging electronic money to the department management device 9 and the IC card 13 as the payment execution unit 3.
The ATM 14 and the payment receiving device 15 are connected to the electronic money issuing device via the networks 11 and 12, respectively. The connection configuration shown in FIG. 3 is an example, and another connection configuration can be adopted.

Each of the electronic money use permit issuing device 7, the electronic money issuing device 8, and the payment receiving unit management device 9 can be configured by using a computer having a program for executing the process. Further, all or any two of the electronic money use permit issuing device 7, the electronic money issuing device 8, and the payment receiving unit management device 9 may be configured as the same device.

In addition to the ATM 14, a computer having an IC card reading / writing function can be used as a device for charging electronic money. Payment receiving device 1
5 can be configured using a computer or the like installed in a store or the like, for example, and having a program for executing the process. The payment receiving device 15 may be provided with a charge function other than the payment receiving unit. In this case, the user can return the balance to the initial state immediately after the payment is made in the payment cancellation processing. Further, the payment receiving device 15 may be owned by the user.

FIG. 4 shows a detailed configuration of the electronic money system according to the embodiment of the present invention. In the present electronic money system, the electronic money use license issuing unit 1 and the electronic money issue unit 2 have a reliable relationship with each other, and the payment execution unit 3 uses the electronic money use license issued by the electronic money use license issuance unit 1. Owns. The electronic money use license includes a transfer approval information verification key and a payment execution unit ID corresponding to the transfer approval information signature key.
Is digitally signed with an electronic money use license signature key owned by the company. The payment receiving unit 5 owns the electronic money use license verification key created by the electronic money use license issuing unit 1. In addition, each unit has information shown in FIG.

First, as an operation of the electronic money system, a process for charging electronic money will be described with reference to a flowchart of FIG.

First, the electronic money issuing unit 2 is provided with a payment executing unit 3
Issues a balance increase instruction 16 having the same issue amount as the issuance request amount, and sends it to the payment executing unit 3 (step 1). For this balance increase command, any issuing method or verification method may be used as long as it can be issued only by the legitimate electronic money issuing unit and can be applied only to the legitimate payment executing unit. As “other” information in the figure, appropriate information according to those methods is added.

The payment executing unit 3 verifies the balance increase command 16 (step 2), and increases the electronic money balance when it is determined to be valid (step 3). In consideration of security, the electronic money balance of the payment executing unit 3 can be increased only by a valid balance increase instruction, and the balance increase instruction has an effect of 1
Only once.

Next, the payment process will be described with reference to the flowchart of FIG.

The payment amount is subtracted from the electronic money balance of the payment execution unit 3, and the payment amount and the transaction I for identifying each transaction
D, transfer approval information 1 in which information including the payment receiving unit ID indicating the payee and the payment executing unit ID indicating the payment source is digitally signed with the payment executing unit private key (transfer approval information signature key).
7 (step 11) and the electronic money use license 1
Then, it is sent to the payment receiving section 5 together with the step 8 (step 12).

Upon receiving the transfer approval information 17 and the electronic money use license 18, the payment receiving unit 5 first verifies the validity of the electronic money use license with the electronic money use license verification key (step 13). Next, after verifying the transfer approval information with the transfer approval information verification key therein, it confirms that the content is in accordance with the contract and receives it formally (step 14). As described above, the present electronic money system enables secure off-line payment without using the electronic money issuing unit 2. In this electronic money system, the functions of the payment receiving unit 5 and the payment executing unit 3 are clearly separated without providing the payment receiving unit 5 with the functions of charge and payment.

The deposit processing will be described with reference to the flowchart of FIG.

The payment receiving unit 5 sends the transfer approval information 17 and the electronic money use permit 18 received from the payment executing unit 3 to the electronic money issuing unit 2 (step 21).

The electronic money issuing unit 2 having received the transfer approval information 17 and the electronic money use license 18 first checks the validity of the transfer approval information 17 and the electronic money use license 18 with the electronic money use license issue unit 1. Inquire and confirm (step 22). Next, it is confirmed that the payment amount in the transfer approval information does not exceed the electronic money balance of the payment executing unit 3, and the electronic money balance is reduced by the payment amount (step 23).

Next, the real-time cancellation processing of the offline payment by the electronic money will be described.

In the present electronic money system, once the transfer approval information is created to ensure security, it cannot be canceled. Therefore, under the consent of the payment receiving unit, a transfer destination change request 19 for replacing the payee and the payment source of the transfer approval information is created, and the transfer destination change request 19 is created.
Is added to the transfer approval information and the electronic money use license, the transferee of the payment amount is changed from the payee to the payer,
A balance increase command equal to the payment amount is issued to the payment execution unit 3 that is the payment source. To this end, the payment receiving unit 5 is made to own the transfer destination change request signature key, and the electronic money issuing unit 2
And a payment receiving unit management unit 6 having a reliable relationship with each other. The payment receiving unit management unit 6 manages a transfer destination change request verification key corresponding to the transfer destination change request signature key owned by the payment receiving unit 5 for each payment receiving unit ID.

Next, the flow of the above cancellation processing will be described with reference to the flowchart of FIG.

In response to a request from a user or the like to cancel the payment, the payment receiving unit 5 applies the digital signature to the transfer approval information 17 and the electronic money use license 18 using the transfer destination change request signature key owned by the payment receiving unit 5. Change request 1 with transfer
9 and send it to the electronic money issuing unit (step 3
1).

The electronic money issuing unit 2 having received the transfer approval information 17, the electronic money use permit 18 and the transfer destination change request 19 first checks the validity of the transfer destination change request 19 by inquiring the payment receiving unit management unit 6. (Step 32). Next, the validity of the electronic money use license and the transfer approval information is checked by inquiring of the electronic money use license issuing unit 1 (step 33), and the payment amount in the transfer approval information is determined by the payment execution unit 3
The electronic money balance is confirmed not to exceed the electronic money balance, and the electronic money balance is reduced by the payment amount (step 34).

Subsequently, the electronic money issuing unit 2 increases the electronic money balance of the payment execution unit ID to which the electronic money is transferred by the payment amount, and issues a balance increase instruction 1 having the same issue amount as the payment amount.
6 is newly issued and sent to the payment execution unit 3 having the payment execution unit ID (step 35).

Payment executing unit 3 receiving balance increase instruction 16
Then, the balance increase command is verified (step 36), and if it is determined to be valid, the electronic money balance is increased (step 37).

As a result of the above processing, the payment executing unit 3 receives the balance increase command equal to the payment amount, and returns to the balance before payment.

In the above processing, only the transfer destination change request 19 is sent to the electronic money issuing unit 2 after the transfer approval information 17 and the electronic money use permit 18 have been sent to the electronic money issuing unit 2. It is possible to cancel payment. In this case, the transfer approval information 17 and the transfer destination change request 19 are linked by the transaction ID.
The electronic money issuing unit 2 can cope with various processes. For example, an account deposit process after receiving the transfer approval information 17 and the electronic money use license 18 is performed after a predetermined period.

The function of each unit in the above electronic money system can be realized as a program, and the program can be stored in a recording medium such as a CD-ROM, a floppy (registered trademark) disk, a hard disk, and an IC. . The electronic money system described above can be constructed by installing the program stored in the recording medium on a computer or the like corresponding to each unit.

The present invention is not limited to the above embodiment, but can be variously modified and applied within the scope of the claims.

[0049]

According to the present invention, it is possible to cancel payment by electronic money. For example, in the example described in the prior art, the IC card balance can be returned to the initial state of 1000 yen by refunding it with 300 yen electronic money. Therefore, it is no longer necessary to use means other than electronic money, such as cash refunds, to cancel payment as in the past, and settlement using electronic money payment in cyberspace is realized in a form closer to a realistic transaction It is possible to do.

[0050]

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram of an electronic money system according to the related art to which the present invention is applied.

FIG. 2 is a schematic configuration diagram of an electronic money system according to an embodiment of the present invention.

FIG. 3 is a configuration example of an electronic money system according to an embodiment of the present invention.

FIG. 4 is a detailed configuration diagram of an electronic money system according to the embodiment of the present invention.

FIG. 5 is a flowchart showing a charging process.

FIG. 6 is a flowchart showing a payment process.

FIG. 7 is a flowchart showing a deposit processing.

FIG. 8 is a flowchart showing a payment cancellation process.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Electronic money use license issuing part 2 Electronic money issuing part 3 Payment execution part 4, 5 Payment receiving part 6 Payment receiving part management part 7 Electronic money use license issuing device 8 Electronic money issuing device 9 Payment receiving part management device 11, 12 Network 13 IC Card 14 ATM 15 Payment Receiving Device 16 Balance Increase Instruction 17 Transfer Approval Information 18 Electronic Money Use Permit 19 Transfer Destination Change Request

Claims (16)

[Claims] Claims: 1. A payment executing means, an electronic money issuing means for issuing electronic money to the payment executing means, and receiving the payment of the electronic money from the payment executing means and depositing the electronic money into the electronic money issuing means. An electronic money system comprising: a payment receiving unit, wherein the payment receiving unit sets a payment source at the time of payment of electronic money from the payment execution unit as a new payee, and sets a payment destination at the time of electronic money payment to a new payment. An electronic money system, wherein the electronic money issuing means transmits a request based on the request, and the electronic money issuing means issues electronic money to the new payee based on the request. 2. The payment receiving means has a signature key for applying a digital signature to the request, and the electronic money system has a verification means for verifying the validity of the request by verifying the digital signature. 2. The electronic money system according to claim 1, wherein the electronic money issuing unit issues electronic money to the new payee after confirming the validity of the request using the verification unit. 3. The electronic money system according to claim 1, wherein the electronic money issuing unit issues electronic money equal to a payment amount at the time of paying the electronic money to the new payee. 4. The electronic money system according to claim 1, wherein the payment receiving unit transmits the request to the electronic money issuing unit together with the payment information. 5. A payment receiving device for receiving payment of electronic money from a payment executing means and depositing the electronic money into an electronic money issuing means, wherein a new payment source is set when the electronic money is paid from the payment executing means. A payment receiving apparatus, comprising: means for transmitting, to the electronic money issuing means, a request to use the payee as a new payment source when paying the electronic money. 6. The payment receiving apparatus according to claim 5, further comprising a signature key for applying a digital signature to said request. 7. The payment receiving apparatus according to claim 5, further comprising means for transmitting the request together with the information for payment to the electronic money issuing means. 8. An electronic money issuing device for issuing electronic money to a payment executing means and receiving a deposit from a payment receiving means receiving the electronic money from the payment executing means, the electronic money issuing apparatus comprising: Receiving, from the payment executing means, a request to set the payment source at the time of electronic money payment as a new payment destination, and receiving a request to set the payment destination at the time of electronic money payment to a new payment source, and requesting the new payment destination based on the request; An electronic money issuing device comprising means for issuing electronic money. 9. The electronic money issuing apparatus according to claim 8, further comprising: means for confirming the validity of the request. 10. The electronic money issuing device according to claim 8, wherein the same amount of electronic money as the amount paid when paying the electronic money is issued to the new payee. 11. A computer-readable recording medium recording a program for causing a computer to execute processing of receiving payment of electronic money from a payment executing means and depositing the electronic money into the electronic money issuing means, wherein the payment executing means Causing the computer to execute a procedure for transmitting, to the electronic money issuing means, a request to set the payment source at the time of payment of electronic money from the user as a new payment source and to set the payment destination at the time of payment of the electronic money to the new payment source. A computer-readable recording medium on which is recorded. 12. A computer-readable recording medium recording the program according to claim 11, further comprising a step of applying a digital signature to the request. 13. A computer-readable recording medium storing a program according to claim 11, further comprising a step of transmitting the request together with the information for payment to the electronic money issuing means. 14. A computer readable program storing a program for issuing electronic money to a payment executing means, and causing a computer to execute a process of receiving a payment from a payment receiving means having received the electronic money from the payment executing means. Receiving from the payment receiving means a request to set the payment source at the time of electronic money payment from the payment execution means as a new payment destination and to set the payment destination at the time of electronic money payment as a new payment source. And a computer-readable recording medium recording a program for causing a computer to execute a procedure for issuing electronic money to the new payee based on the request. 15. A computer-readable recording medium recording a program according to claim 14, further comprising a step of confirming the validity of said request. 16. The computer-readable recording medium storing a program according to claim 14, further comprising a step of issuing electronic money equal to a payment amount at the time of payment of said electronic money to said new payee.