JP2006133857A - Financial server, ic card terminal and financial information processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an inexpensive system for charging en electronic money card by using a credit card. <P>SOLUTION: This credit card 8 is constituted of an IC card, and the authentication of a password is operated between a card terminal 3 and a credit card 8. The authentication result, money amount information showing a charge money amount and the credit number of the credit card 8 are transmitted from a card terminal 3 to a credit company server 4. The credit company server 4 transmits the money amount information and the credit card number to an electronic money server 5 after charging. The electronic money server 5 specifies an electronic money card 9 from the credit card number, and generates money amount change information for increasing the money amount of a value only for the charge money amount, and transmits it to the card terminal 3. An electronic money card 9 updates the money amount of a value stored by using the money amount change information into a money amount specified by the money amount change information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a financial server, an IC card terminal, and a financial information processing method, for example, to purchasing electronic money using a credit card.

In recent years, settlement systems using electronic money have been introduced and widely used in retail stores and department stores.
Electronic money stores money value similar to money called value in an electronic money card composed of an IC card, a mobile phone compatible with electronic money, etc., and uses these IC cards as an electronic wallet.

  The process of writing a value to an IC card or the like is called charging, and the IC card or the like is performed by a dedicated terminal device (hereinafter referred to as an electronic money terminal) installed at a retail store or the like, or through the Internet. Can be done from.

Payment by value is performed by reducing the amount of value stored in the IC card or the like by the price, and can be performed by an electronic money terminal or an electronic money server in the same manner as charging.
As an invention using electronic money in this way, there is the following unpublished document by the present applicant.

Japanese Patent Application No. 2003-61943

In the present invention, an electronic money server is accessed from a mobile phone having an Internet connection function and an electronic money function, and charging is performed while communicating with the electronic money server.
According to the present invention, the user can charge without being restricted by a physical place or business hours.

On the other hand, in recent years, credit cards using IC cards have come into circulation. By changing the credit card from one using a conventional magnetic stripe to one using an IC chip, it is possible to provide a credit card system that is difficult to counterfeit and has high security.
In addition, it is considered that bank cash cards are switched from those using magnetic stripes to IC cards.

  Although charging to an electronic money card using a credit card has been performed in the past, for security reasons, a dedicated line must be installed between the card terminal and the credit company server for credit card authentication. In other words, there was a problem that it would be costly.

  Therefore, an object of the present invention is to provide an inexpensive system that can charge an electronic money card using a credit card.

In order to achieve the above object, according to the present invention, in the invention described in claim 1, from an IC card terminal that authenticates an owner of the financial IC card using authentication information stored in the financial IC card, A card information receiving means for receiving card identification information and money amount information for identifying a financial IC card, and a money amount change to increase or decrease a money value to a money terminal that increases or decreases a stored money value amount based on the money amount change information Card information providing means for providing the amount information and the owner identification information of the owner specified by the card specifying information to the amount change information transmitting means for transmitting information, and the provided amount information And a billing means for billing the owner according to the fee. A financial server is provided.
In the invention according to claim 2, the card information receiving means receives the owner identification information of the owner together with the card specifying information, and the card information providing means receives the received owner identification information as the amount of money. 2. The financial server according to claim 1, wherein the financial server is provided to change information transmission means.
According to the third aspect of the present invention, authentication means for authenticating the owner of the financial IC card using authentication information stored in the financial IC card, and card identification for specifying the financial IC card from the financial IC card The card specifying information acquiring means for acquiring information, the amount information acquiring means for acquiring amount information for the authenticated owner, and the acquired card specifying information and the amount information are transmitted to the financial server according to claim 1. Card information transmitting means, amount change information receiving means for receiving amount change information transmitted from the amount change information transmitting means corresponding to the transmitted card specifying information and amount information, and the stored monetary value amount An IC card terminal comprising: an input means for inputting the received amount change information to a money terminal that is increased or decreased based on change information. To.
According to a fourth aspect of the present invention, in a computer comprising card information receiving means, card information providing means, and billing means, authentication information stored in a financial IC card is used by the card information receiving means. A card information receiving step for receiving card specifying information and money amount information for specifying the financial IC card from an IC card terminal that has authenticated the owner of the financial IC card, and money stored by the card information providing means. The amount information and the card specifying information are specified for the amount change information transmitting means for transmitting the amount change information for increasing the amount of money value to the money terminal that increases or decreases the amount of value based on the amount change information. The card information providing step for providing the owner identification information of the owner, and the billing means according to the provided amount information. The fee to provide a financial information processing method characterized in that it consists of a charging step for charging the owner.
In the invention according to claim 5, in a computer comprising authentication means, card specific information acquisition means, amount information acquisition means, card information transmission means, amount change information reception means, and input means, An authenticating step for authenticating an owner of the financial IC card by using authentication information stored in the financial IC card by an authenticating means; and specifying the financial IC card from the financial IC card by the card specifying information acquiring means Card specifying information acquiring step for acquiring card specifying information to be performed; amount information acquiring step for acquiring amount information for the authenticated owner by the amount information acquiring means; and the card specifying information acquired by the card information transmitting means. A card information transmission step for transmitting information and the amount information to the financial server according to claim 1; Amount change information receiving step for receiving the amount change information transmitted from the amount change information transmitting means corresponding to the transmitted card identification information and amount information by the amount change information receiving means, and the amount change information receiving step stored by the input means. A financial information processing method comprising: an input step of inputting the received money amount change information to a money terminal for increasing or decreasing the amount of money value based on the money amount change information.

  According to the present invention, an inexpensive system that can charge an electronic money card using a credit card can be provided.

(1) Outline of Embodiment The electronic money charge system 1 (FIG. 1) purchases value using a credit card 8 and charges the purchased value to the electronic money card 9.
Here, the value is a concept corresponding to money in the operation of electronic money, and is money information representing the amount of money value as electronic data.

The credit card 8 is composed of a medium containing an IC chip such as an IC card, and a password is authenticated between the card terminal 3 and the credit card 8 via the reader / writer 6. Thereby, authentication that the person who entered the personal identification number is the owner of the credit card 8 is performed locally.
Further, the card terminal 3 acquires an electronic money card number from the electronic money card 9 via the reader / writer 7. The electronic money card 9 is also composed of a medium containing an IC chip such as an IC card.

  Then, to the credit company server 4, the card terminal 3 transmits the authentication result and the amount information indicating the amount to be charged, the credit card number of the credit card 8, and the electronic money card number of the electronic money card 9.

The credit company server 4 confirms that the person who uses the credit card 8 is a valid user based on the authentication result, and specifies the user by the credit card number.
Then, the credit company server 4 transmits the money amount information and the electronic money card number to the electronic money server 5. Further, the credit company server 4 charges this amount to the user as a value purchase price. In other words, the credit company server 4 gives the user credit as a value purchase price.

The electronic money server 5 receives the electronic money card number from the credit company server 4, and thereby specifies the electronic money card 9 to be charged.
Further, the amount to be charged is recognized by the amount information transmitted from the credit company server 4 and stored in the storage device.

  On the other hand, the card terminal 3 sends the electronic money card number acquired from the electronic money card 9 to the electronic money server 5 via the reader / writer 7 to request charging.

The electronic money server 5 receives the electronic money card number from the card terminal 3, acquires the amount to be charged to the electronic money card 9 from the storage device, and the amount change information for increasing the amount of value by the amount of charge Is generated.
Then, the electronic money server 5 transmits the generated money amount change information to the card terminal 3.

The card terminal 3 receives the money amount change information from the electronic money server 5 and inputs it to the electronic money card 9.
The electronic money card 9 updates the amount of value stored using this amount change information to the amount specified by the amount change information.

  As described above, the user can purchase the value by paying with the credit card 8 and can further charge the purchased value to the electronic money card 9.

  Conventionally, since authentication information such as a personal identification number is transmitted and received on the network, the card terminal 3 and the credit company server 4 are connected by a dedicated line. However, in the electronic money charge system 1, Since the authentication information of the credit card 8 is not distributed (the authentication result is distributed instead), the credit company server 4 and the card terminal 3 can be connected via a general network such as the Internet. For this reason, the card terminal 3 can be installed at low cost.

(2) Details of Embodiment FIG. 1 is a diagram illustrating an example of a system configuration of an electronic money charge system according to the present embodiment.
The electronic money charge system 1 is configured using a card terminal 3, a credit company server 4, an electronic money server 5, a credit card 8, an electronic money card 9, and the like.
Hereinafter, these components will be described.

  The credit card 8 and the electronic money card 9 are owned by a certain user, the credit card 8 is constituted by a contact type IC card, and the electronic money card 9 is constituted by a non-contact type IC card.

  In the present embodiment described below, the credit card 8 is configured as a contact IC card and the electronic money card 9 is configured as a non-contact IC card. However, this is an example, Various forms are possible.

Although details will be described later, for example, an IC chip that functions as a credit card 8 or an IC chip that functions as an electronic money card 9 is embedded in a medium other than a card such as a mobile phone or a watch, Alternatively, a function as a credit card 8 and a function as an electronic money card 9 can be provided in one IC chip.
Furthermore, these IC chips can be configured as either contact-type or non-contact-type IC chips.

The credit card 8 is a medium in which an IC chip having various elements formed therein is embedded, and constitutes a financial IC card issued by a financial institution.
The credit card 8 stores therein a personal identification number, a credit card number, and other information, and performs information processing such as a personal identification number authentication process.

More specifically, when the credit card 8 receives an input of a personal identification number from the outside, the credit card 8 compares the personal identification number with the personal identification number stored therein, and performs a personal identification number authentication process. And an authentication result, a credit card number, etc. are output outside.
The credit card number constitutes card specifying information for specifying the credit card 8.

FIG. 2A is a block diagram showing an example of the hardware configuration of the credit card 8.
As shown in the figure, the credit card 8 includes a CPU (Central Processing Unit) 11, a contact terminal 12, a ROM (Read Only Memory) 13, a RAM (Random Access Memory) 14, an EEPROM (Electrically Erasable and Programmable 15), and the like. Built in.
These elements are formed on an IC chip embedded in the credit card 8.

The CPU 11 is a central processing unit that performs information processing in accordance with programs stored in the ROM 13 and the EEPROM 15.
In the present embodiment, communication processing with the card terminal 3 via the reader / writer 6 is performed, authentication processing of the authentication number input from the card terminal 3 is performed, and the authentication result is output to the card terminal 3. Alternatively, the credit card number is read from the storage device and provided in response to a request from the card terminal 3.

The contact terminal 12 is exposed to the outside of the credit card 8 and is plated with gold, for example. The contact terminal 12 contacts the contact terminal of the reader / writer 6 to electrically connect the credit card 8 and the card terminal 3.
The credit card 8 receives supply of power for driving the credit card 8 via the contact terminal 12 and transmits / receives data to / from the card terminal 3.

The RAM 14 is an occasional write / read memory that provides a working memory when the CPU 11 performs information processing.
The RAM 14 can hold the stored content while power is supplied to the credit card 8, but the stored content is lost when the supply of power is stopped.

The ROM 13 is a read-only memory that stores basic programs, parameters, data, and the like for causing the credit card 8 to function.
These pieces of information are burned into the ROM 13 in advance, and rewriting of information and erasing of information are not normally performed.

The EEPROM 15 is a ROM capable of writing and erasing information. Information stored in the EEPROM 15 is maintained even when no power is supplied to the credit card 8.
Thus, the ROM 13 and the EEPROM 15 constitute a program / data storage area of the credit card 8.

The EEPROM 15 stores, for example, an OS (Operating System) that is a basic program for causing the credit card 8 to function, an authentication program for performing password authentication, and the like.
The CPU 11 performs an authentication process of the personal identification number input from the card terminal 3 by executing the authentication program.

Next, the electronic money card 9 will be described. The electronic money card 9 is also a medium in which an IC chip having various elements formed therein is embedded.
The electronic money card 9 stores a value, performs a process of increasing / decreasing the amount of value using the amount change information, and a money terminal for increasing / decreasing the stored amount of money value (value) based on the amount change information. It is composed.

  The electronic money card 9 stores an electronic money card number unique to the electronic money card 9, and the electronic money server 5 can identify the electronic money card 9 based on the electronic money card number.

There are two ways to update the value amount: when the balance is calculated with the electronic money card 9 and when calculated with another communication destination such as the electronic money server 5.
In the former case, a command is input to the electronic money card 9 and arithmetic processing is performed in the electronic money card 9. In this case, the command constitutes the amount change information.
In the latter case, the changed value is input to the electronic money card 9 to rewrite the balance. In this case, the input balance of value constitutes the amount change information.
Further, these can be combined for each addition and subtraction, and which method is adopted depends on the design of the system.

  As described above, the electronic money card 9 can increase or decrease the value of the value stored therein, and can be distributed as exchange value similar to money by associating it with money.

FIG. 2B is a block diagram showing an example of the hardware configuration of the electronic money card 9.
As shown in the figure, the electronic money card 9 includes a CPU 21, a high frequency circuit 22, an antenna 26, a ROM 23, a RAM 24, an EEPROM 25, and the like.
These elements are formed on an IC chip embedded in the credit card 8. However, the antenna 26 is configured by an aerial wire stretched around the outer edge portion inside the electronic money card 9, and an end portion is connected to the IC chip.

The CPU 21 is a central processing unit that performs information processing according to programs stored in the ROM 23 and the EEPROM 25.
In this embodiment, communication processing with the card terminal 3 via the reader / writer 7 is performed, the amount of value currently stored is updated using the amount change information input from the card terminal 3, Current card balance and electronic money card number are provided to the card terminal 3.

The antenna 26 is an antenna for performing short-distance wireless communication with an antenna built in the reader / writer 7.
The electronic money card 9 obtains driving power wirelessly from the reader / writer 7 via the antenna 26 and performs wireless communication.

  The high frequency circuit 22 converts the high frequency transmitted from the reader / writer 7 to the antenna 26 into a digital signal and outputs it to the CPU 21, or conversely converts the digital signal output from the CPU 21 into a high frequency and outputs it to the antenna 26. The data is transmitted to the reader / writer 7.

The RAM 24 is an occasional write / read memory that provides a working memory when the CPU 21 performs information processing.
The RAM 24 can hold the stored contents while power is supplied to the electronic money card 9, but the stored contents are lost when the supply of power is stopped.

The ROM 23 is a read-only memory that stores basic programs, parameters, data, and the like for causing the electronic money card 9 to function.
These pieces of information are burned in the ROM 23 in advance, and rewriting of information and erasing of information are not normally performed.

The EEPROM 25 is a ROM capable of writing and erasing information. Information stored in the EEPROM 25 is maintained even when power is not supplied to the electronic money card 9.
Thus, the ROM 23 and the EEPROM 25 constitute a program / data storage area of the electronic money card 9.

In the EEPROM 25, for example, an OS (Operating System) which is a basic program for causing the electronic money card 9 to function, an amount of value is updated based on amount change information, and a current balance of value is provided. A value processing program that performs processing related to value, a current value balance, log data, and the like are stored.
The CPU 21 can perform value charging (increase) and settlement (decrease) by executing the value processing program.

Returning to FIG. 1, the card terminal 3 is a terminal device installed in, for example, a hotel lobby, airport, store, or other place, and constitutes an IC card terminal.
The card terminal 3 is configured to be connectable to the credit company server 4 and the electronic money server 5 through a network such as the Internet, for example.
In the figure, only one card terminal 3 is shown, but there are a plurality of these, each having a unique card terminal ID. The credit company server 4 can identify the card terminal 3 by the card terminal ID.

  The network connecting the card terminal 3 to the credit company server 4 and the electronic money server 5 is not limited to the Internet, but other forms of networks such as a LAN (Local Area Network), a WAN (Wide Area Network), or a dedicated line. It can also be configured to be connectable.

  In addition, the communication path between the card terminal 3 and the credit company server 4 and between the card terminal 3 and the electronic money server 5 is enhanced by, for example, encrypting using a technology such as SSL (Secure Sockets Layer). be able to.

  The card terminal 3 is provided with a reader / writer 6 and a reader / writer 7. The reader / writer 6 is provided with a contact terminal that comes into contact with the contact terminal 12 of the credit card 8, and the card terminal 3 and the credit card 8 are electrically connected by physical contact with the contact terminal 12. .

  On the other hand, the reader / writer 7 is provided with an antenna and a high-frequency circuit for performing short-distance wireless communication with the electronic money card 9, whereby the card terminal 3 and the electronic money card 9 are electrically connected. The

The card terminal 3 has a credit card receiving function and an electronic money card charging function.
Hereinafter, these functions will be described.

[Credit card acceptance function]
The card terminal 3 communicates with the credit card 8 via the reader / writer 6 to authenticate the password and acquire the credit card number.
Regarding the authentication of the personal identification number, the card terminal 3 accepts an input of the personal identification number from the user and inputs it to the credit card 8. Then, an authentication result indicating whether or not the authentication is successful is received from the credit card 8. As described above, the card terminal 3 includes authentication means for authenticating the user (owner) of the credit card 8.

  Further, the card terminal 3 requests the credit card 8 for a credit card number, and acquires the credit card number output by the credit card 8 in response thereto. As described above, the card terminal 3 includes card specifying information acquisition means for acquiring card specifying information from the credit card 8.

Furthermore, the card terminal 3 accepts an input of the amount charged to the electronic money card 9 from the user. Thereby, the card terminal 3 acquires amount information specifying the amount to be charged. As described above, the card terminal 3 includes money amount information acquisition means for acquiring money amount information from the authenticated user.
The card terminal 3 communicates with the credit card 8 to perform the above information processing, and reads out the electronic money card number from the electronic money card 9 via the reader / writer 7 for the electronic money card 9.

  After acquiring each information as described above, the card terminal 3 transmits value purchase information to the credit company server 4. The value purchase information includes an authentication result, a credit card number, an electronic money card number, and money amount information. As described above, the card terminal 3 includes card information transmitting means for transmitting the card specifying information and the money amount information to the credit company server 4 (financial server).

When the card terminal 3 transmits value purchase information to the credit company server 4, the credit company server 4 charges, communicates with the electronic money server 5, and transmits money amount information and an electronic money card number to the electronic money server 5. .
The electronic money server 5 receives the money amount information and the electronic money card number from the credit company server 4 and prepares to charge the electronic money card 9.

[Charge function to electronic money card]
The card terminal 3 inquires of the user whether or not to charge.
When the user wishes to charge, the card terminal 3 transmits the electronic money card number to the electronic money server 5 and inquires whether or not the electronic money card 9 has a value that can be charged at present, and there is a chargeable value. If so, the amount is received and presented to the user.

When the user confirms this presentation and instructs the card terminal 3 to execute the charge, the card terminal 3 requests the money change information from the electronic money server 5.
The card terminal 3 receives the money amount change information transmitted by the electronic money server 5 in response to this request (amount change information receiving means) and inputs it to the electronic money card 9 via the reader / writer 7 (input). means).

When the charging is completed, the card terminal 3 notifies the electronic money server 5 to that effect, and reads the amount after charging from the electronic money card 9 and presents it to the user.
The user can confirm that the electronic money card 9 has been charged with this presentation.

Note that a password can be set when the electronic money card 9 is charged.
This is because the electronic money server 5 determines whether or not the person who has requested the electronic money card 9 to charge is a legitimate owner of the electronic money card 9 (that is, registered in advance with the electronic money server 5). This is for judgment.

In this case, the card terminal 3 causes the user to input a password and transmits it to the electronic money server 5, and does the electronic money server 5 match the password set for the electronic money card number of the electronic money card 9? Confirm whether or not.
If the password does not match, do not charge.

  In the present embodiment, the value is purchased from the credit company server 4 using the credit card 8 and then the value is charged from the electronic money server 5 to the electronic money card 9. Since the server 4 and the electronic money server 5 are independent systems, it is not always necessary to charge the electronic money server 5 after purchasing the value with the credit card 8. This will be described later in a modified example.

Further, the electronic money server 5 can prepare a value to be charged to the electronic money card 9 in addition to the purchase of the value by the credit card 8.
For example, the card terminal 3 can charge the electronic money server 5 with a value such as a user exchanging points for value using a point service or a user purchasing value through another route. .

  In this case, the user sets the electronic money card 9 in the card terminal 3, inquires the electronic money server 5 about the value that can be charged at present, and charges the electronic money card 9 with the value that can be charged. Thus, the card terminal 3 does not necessarily require the credit card 8 in order to charge the electronic money card 9.

FIG. 3 is a block diagram showing an example of the hardware configuration of the card terminal 3.
As shown in FIG. 3, the card terminal 3 includes a CPU 31, a ROM 33, a RAM 34, a communication control unit 35, a storage unit 36, an input unit 37, an output unit 38, a reader / writer 7, a reader / writer 6, and the like connected by a bus line 46. Configured.

The CPU 31 performs information processing according to a predetermined program and controls the entire card terminal 3.
In the present embodiment, the credit card 8 and the credit company server 4 communicate with each other to exhibit the credit card acceptance function, or the electronic money card 9 and the electronic money server 5 communicate with the electronic money card charging function. To demonstrate.

The ROM 33 is a read-only memory that stores basic programs and parameters for operating the card terminal 3.
The RAM 34 is a read / write memory as needed that provides a working memory for the CPU 31 and loads and stores programs and data stored in the storage unit 36.

  The communication control unit 35 is a connection device that connects the card terminal 3 to a network, and the card terminal 3 can be connected to the credit company server 4 and the electronic money server 5 via the communication control unit 35.

  The storage unit 36 includes, for example, a hard disk and other storage media, and a drive device that drives them, and includes a program storage unit 42 that stores various programs, a data storage unit 44 that stores data, and the like. .

The program storage unit 42 causes the OS, which is a basic program for causing the card terminal 3 to function, or causes the CPU 31 to perform a credit card accepting function or a function to charge an electronic money card. A program for storing the program is stored.
Further, the data storage unit 44 stores, for example, log data related to information processing performed on the credit card 8 or the electronic money card 9.

The input unit 37 includes an input device for a user to input information, such as a keyboard, a touch panel, and a mouse.
The user can input the personal identification number of the credit card 8, the amount of charge to be purchased, and other information into the card terminal 3 by operating these input devices.

The output unit 38 includes, for example, a liquid crystal display, a CRT (Cathode-ray Tube) display, a plasma display, and other display devices. The display device displays the content of instructions to the user, confirmation items, and the like on various screens.
In addition, the output unit 38 may be provided with a voice output device such as a speaker, so that the content of instructions to the user, confirmation items, and the like can be output by voice.

  The reader / writer 6 and the reader / writer 7 are as described above.

Next, the credit company server 4 (FIG. 1) will be described.
The credit company server 4 constitutes a financial server, and has a charging function for receiving value purchase information from the card terminal 3 and charging the user, and a purchase notification function for notifying the electronic money server 5 that the value purchase information has been received from the user. I have.

[Billing function]
The credit company server 4 receives value purchase information from the card terminal 3, and acquires an authentication result, a credit card number, an electronic money card number, and money amount information from this. This corresponds to card information acquisition means.
Then, the credit company server 4 first confirms the authentication result of the personal identification number, and if the authentication result is a successful authentication, the subsequent processing is continued, and the authentication result indicates that the authentication has failed. In this case, an error message is transmitted to the card terminal 3 and the process is stopped.

  In the present embodiment, the authentication result is determined by the credit company server 4. However, the present invention is not limited to this, and the authentication may be performed by the card terminal 3.

  In this case, the card terminal 3 receives the authentication result from the credit card 8 and confirms the result. If the authentication result is successful, the card terminal 3 transmits the value purchase information to the credit company server 4, If the authentication result is that the authentication has failed, an error message is presented to the user, and the subsequent processing is stopped.

The credit company server 4 specifies the user from the credit card number using the registered user database when the authentication result is a successful authentication.
Then, it is determined whether or not credit can be given to the user. If credit is possible, the following processing is continued. If credit is impossible, the card terminal 3 is notified of this.

FIG. 4A shows an example of the logical configuration of the registered user database.
The registered user database is a database that stores user registration information, and stores personal information that the user has registered with a credit company when the credit card 8 is acquired.
As shown in FIG. 4A, the registered user database is composed of “credit card number”, “password”, “name”, “account account”, and other items.

The item “credit card number” is a credit card number unique to the credit card 8 issued to the user.
The item “password” is a password set for the credit card 8 and is used by the credit card 8 for authentication of the password. This value is also stored in the credit card 8.

The item “name” is the name of the user.
The item “accounting account” is information for specifying a financial account from which the amount charged to the user is deducted, and includes, for example, an account number of a bank account designated by the user, a holder, and the like.
In addition to this, the user registration information stores personal information of the user such as the registration date and time, the user's address, occupation, work place, telephone number, and expiration date of the credit card 8.

  The credit company server 4 can identify the user by comparing the credit card number of the user registration information configured as described above with the credit card number received from the card terminal 3.

After identifying the user, the credit company server 4 checks the user's credit status using a database (not shown) that records the user's credit limit and the usage status, and provides credit for the amount specified by the amount information. Judge whether it can be given.
If the credit can be given, the user is charged, and if the credit cannot be given, the card terminal 3 is notified accordingly.

The credit company server 4 charges the user by recording the charging information in the charging database. Thus, the credit company server 4 is provided with a charging means.
FIG. 4B shows an example of the logical configuration of the accounting database.
The charging database is a database in which a credit card number and a charging amount are associated with each other, and includes items such as “credit card number”, “charging amount”, “card terminal ID”, and “date and time”.

In the item “credit card number”, a credit card number acquired from the value purchase information is recorded.
In the item “billing amount”, the amount specified by the amount information acquired from the value purchase information is recorded.

In the item “card terminal ID”, ID information of the card terminal 3 is recorded. The card terminal 3 stores unique ID information for identifying the card terminal 3, and notifies the credit company server 4 when communicating with the credit company server 4.
In the item “date and time”, the date and time when the charge application information is received from the card terminal 3 is recorded.

The accounting database is updated by adding a record each time the credit card 8 is charged.
When the credit company server 4 receives value purchase information from the card terminal 3, the credit company server 4 charges as described above.

  In the accounting process, a closing date is set about once a month, and the credit company server 4 totals the charging amount up to the closing date for each credit card number, and stores it in the charging destination account registered in the registered user database. Charge the total billing amount.

[Purchase notification function]
The credit company server 4 is connected to the electronic money server 5 by a dedicated line or the like. When the user is charged, the credit company server 4 transmits money amount information and an electronic money card number to the electronic money server 5.
The credit company server 4 is a server device for authenticating the owner of the credit company server 4, and the credit company server 4 is associated with the credit card number from the card terminal 3 as owner identification information for identifying the authenticated owner. The electronic money card is sent to the electronic money server 5. As described above, the credit company server 4 includes card information providing means. Further, the electronic money server 5 constitutes money amount change information transmitting means for transmitting money amount change information to the electronic money card 9.
Since it is assumed that the user subsequently charges the electronic money card 9 after purchasing the value with the credit card 8, this transmission processing is performed in real time every time charging is performed.

  The credit company server 4 can notify the electronic money server 5 that the credit has been given to the user by transmitting the money amount information and the electronic money card number to the electronic money server 5. The price of the value purchased by the user is changed by the credit company giving the user credit. This is the same as in ordinary shopping using a credit card.

FIG. 5 is a block diagram showing an example of the hardware configuration of the credit company server 4.
As shown in FIG. 5, the credit company server 4 is configured by connecting a CPU 51, a ROM 52, a RAM 53, a communication control unit 54, a storage unit 55 and the like via a bus line 59.

The CPU 51 performs information processing according to a predetermined program, and also controls the credit company server 4 as a whole.
In the present embodiment, the billing function is exhibited by communicating with the card terminal 3, or the purchase notification function is exhibited by communicating with the electronic money server 5.

The ROM 52 is a read-only memory that stores basic programs and parameters for operating the credit company server 4.
The RAM 53 is a read / write memory as needed to provide a working memory for the CPU 51 or load and store programs and data stored in the storage unit 55.

  The communication control unit 54 is a connection device that connects the credit company server 4 to the network, and the credit company server 4 can be connected to the card terminal 3 and the electronic money server 5 via the communication control unit 54.

  The storage unit 55 includes, for example, a hard disk or other storage medium and a drive device that drives these, and includes a program storage unit 56 that stores various programs, a data storage unit 57 that stores data, and the like. .

The program storage unit 56 stores an OS, which is a basic program for causing the credit company server 4 to function, a program for causing the CPU 51 to perform a charging function and a purchase notification function, and the like.
The data storage unit 57 stores a registered user database, a database for managing credit lines, a charging database, and the like.

Next, the electronic money server 5 (FIG. 1) will be described.
The electronic money server 5 has a charge preparation function for receiving a notification from the credit company server 4 and preparing for charging, and a charge function for charging the electronic money card 9.

[Charge preparation function]
The electronic money server 5 receives the money amount information and the electronic money card number from the credit company server 4 and prepares to charge the electronic money card 9.
This preparation is performed by first matching the electronic money card number received from the credit company server 4 with the registered user database to identify the user's electronic money card 9, and then registering the amount to be charged in the charge preparation database. .

FIG. 6A shows an example of the logical configuration of the registered user database.
The registered user database is a database that stores user registration information, and is registered with a business entity (electronic money company) that operates electronic money when the user acquires the electronic money card 9.

The registered user database includes “electronic money card number”, “user name”, “password”, and other items.
The item “electronic money card number” is a number unique to the electronic money card 9 issued to the user.
The item “user name” is the name of the user.
The item “password” is a password used when the electronic money server 5 needs to authenticate the user.

Next, FIG. 6B shows an example of the logical configuration of the charge preparation database.
The charge preparation database includes items such as “electronic money card number”, “amount”, “expiration date”, and “charge”.

The item “electronic money card number” is an electronic money card number of an electronic money card to be charged.
The item “amount” is an amount to be charged to the electronic money card.

  The item “expiration date” is a time limit for charging. If the user does not charge even after this time limit, this amount is transferred to a bank account designated by the user and refunded.

  The item “charge” is flag information indicating whether or not the user has already performed the charge. If the user has already charged, it is set to “Done”, and if the user has not charged yet, it is set to “Not”.

  When the electronic money server 5 confirms the electronic money card number of the electronic money card 9 in the registered user database, the electronic money server 5 inputs these items into the charge preparation database and completes the charge preparation for value.

[Charge function]
The electronic money server 5 transmits money amount change information to the electronic money card 9 in response to a request from the card terminal 3 as follows, and charges the electronic money card 9.
First, the electronic money server 5 receives the electronic money card number of the electronic money card 9 from the card terminal 3.
Then, this is searched in the charge preparation database to check whether there is an uncharged value.

That is, it is confirmed whether or not there is an electronic money card number to be searched in the charge preparation database, and if there is, it is further confirmed whether the item “charge” is “not yet”.
When the item “charge” is “not yet”, the amount recorded in the item “amount” is the amount of value to be charged.

  When the electronic money server 5 confirms that there is a value ready for charge in the charge preparation database, the electronic money server 5 generates money amount change information for adding the value for the amount recorded in the item “amount”, and Transmit to terminal 3.

The card terminal 3 receives this amount change information, inputs it to the electronic money card 9, and charges the electronic money card 9.
When the electronic money card 9 is successfully charged, the electronic money card 9 transmits a notification to that effect to the electronic money server 5 via the card terminal 3. The electronic money server 5 receives this notification and receives the item “charge” in the charge preparation database. Is updated to “Done” and the process is terminated.

The hardware configuration of the electronic money server 5 is basically the same as that of the credit company server 4.
However, in the case of the electronic money server 5, the program storage unit 56 includes an OS that is a basic program for causing the electronic money server 5 to function, and a program for causing the CPU 51 to exhibit the charge preparation function and the charge function. Etc. are stored.
The data storage unit 57 stores a registered user database, a charge preparation database, and the like.

Next, a procedure for the user to purchase value with the credit card 8 will be described with reference to the flowchart of FIG.
First, the user sets the credit card 8 in the reader / writer 6, whereby the card terminal 3 establishes a communication path with the credit card 8.

Next, the card terminal 3 requests the user to input a personal identification number and a value purchase price. Then, the password entered by the user is entered into the credit card 8 (step 5).
The credit card 8 accepts the input of the password from the card terminal 3, compares it with the password stored therein, and authenticates the password (step 10).

Then, the credit card 8 outputs the authentication result to the card terminal 3 (step 15).
Further, the card terminal 3 requests the credit card 8 to obtain a credit card number.

Next, the card terminal 3 requests an electronic money card number from the electronic money card 9, and the electronic money card 9 receives this and outputs the electronic money card number to the card terminal 3 (step 17).
Next, the card terminal 3 transmits the amount information (value purchase amount), the credit card number, the electronic money card number, and the authentication result acquired in this way to the credit company server 4 as value purchase information (step 20). The card terminal 3 can associate the both in the credit company server 4 by transmitting the credit card number and the electronic money card number to the credit company server 4 at the same timing as described above.

The credit company server 4 receives value purchase information from the card terminal 3, and acquires an authentication result, a credit card number, money amount information, and the like.
After confirming that the authentication result is a successful authentication, the credit company server 4 records the credit card number, amount information, and other items in the accounting database, and performs accounting processing for the user ( Step 25).
After the charging process, the credit company server 4 transmits the money amount information and the electronic money card number to the electronic money server 5 (step 30).

The electronic money server 5 receives these pieces of information from the credit company server 4. Then, the electronic money card number is searched in the registered user database, and the electronic money card 9 is specified.
Then, the electronic money card number, money amount information, and other information are stored in the charge preparation database (the item “charge” is set to “not yet”), and the preparation for charging the electronic money card 9 is completed (step 35). .

  With the above procedure, the user can purchase value with the credit card 8 and make the electronic money server 5 ready for charging.

  Next, a procedure until the user charges a value to the electronic money card 9 will be described using the flowchart of FIG.

First, the card terminal 3 requests an electronic money card number from the electronic money card 9, and the electronic money card 9 outputs the electronic money card number to the card terminal 3 accordingly (step 50). Since the card terminal 3 has already acquired the electronic money card number in step 17, it may be used.
The card terminal 3 acquires the electronic money card number from the electronic money card 9 and transmits it to the electronic money server 5 (step 55).

The electronic money server 5 receives the electronic money card number from the card terminal 3 and confirms it in the registered user database (step 60).
If necessary, the card terminal 3 allows the user to input a password and confirms the match between the electronic money card number and the password.

Next, the electronic money server 5 searches the charge preparation database for the electronic money card number and confirms whether there is a chargeable value.
If there is a chargeable value, the chargeable amount (the amount recorded in the item “amount”) is transmitted to the card terminal 3 (step 65).

The card terminal 3 receives the chargeable amount from the electronic money server 5 and presents it to the user. Then, the user confirms this amount.
When the user confirms the amount, the card terminal 3 transmits a notification that the amount has been confirmed to the electronic money server 5 (step 70).

  Upon receiving this notification from the card terminal 3, the electronic money server 5 generates money amount change information for charging the value corresponding to the chargeable money amount (step 75) and transmits it to the card terminal 3 (step 80).

The card terminal 3 receives the money amount change information from the electronic money server 5 (step 85) and inputs it to the electronic money card 9 (step 90).
The electronic money card 9 receives the amount change information from the card terminal 3, and uses this to update the currently stored value amount to the amount after charging (step 95).

Although not shown in the flowchart, when the electronic money card 9 updates the amount, the electronic money card 9 outputs an update completion notification and the updated amount of value to the card terminal 3.
The card terminal 3 presents the updated amount to the user and transmits an update completion notification to the electronic money server 5.

The electronic money server 5 receives the update completion notification from the card terminal 3, recognizes that the charging of the value has been completed, and updates the item “charge” in the charge preparation database from “not yet” to “completed”.
Through the above procedure, the electronic money server 5 can charge the electronic money card 9 with the value ready for charging.

Next, each screen presented to the user at the card terminal 3 will be described.
Each drawing in FIG. 9 is a diagram illustrating an example of a screen displayed on the card terminal 3 when purchasing value with the credit card 8.

FIG. 9A is a diagram illustrating an example of a menu screen displayed on the card terminal 3.
The card terminal 3 provides various services in addition to purchasing value with the credit card 8, and the user can select a desired one from these.

In the example of FIG. 9A, a credit card value purchase button 71, a balance inquiry button 72, and the like are displayed, and the user can select a desired service by touching the button.
The user can start the value purchase process using the credit card 8 by touching the value purchase button 71.
The balance inquiry button 72 is a button that is selected when the value balance currently stored in the electronic money card 9 is confirmed.

FIG. 9B is a value purchase screen displayed when the purchase button 71 is selected on the menu screen of FIG. In the flowchart of FIG. 7, this corresponds to the screen displayed in step 5.
On the value purchase screen, “Set the credit card and electronic money card and enter the PIN and value purchase amount”, etc., the credit card 8 is set in the reader / writer 6, and the electronic money card 9 is further read. The writer 7 is set, and a display for instructing the user to input the personal identification number and the value purchase price is made.

In accordance with this instruction, the user sets the credit card 8 in the reader / writer 6 and the electronic money card 9 in the reader / writer 7.
The value purchase screen has a personal identification number input field 75, a purchase amount input field 76, and a send button 77. The user inputs the personal identification number of the credit card 8 in the personal identification number input field 75, and the purchase amount input field 76. Enter the amount of value you want to purchase.

These numerical values are input by the user operating a keyboard or a touch panel (not shown).
In the password input field 75, when the user inputs the password, a black circle is displayed corresponding to the number of digits, and the password is not displayed. Thereby, it is possible to prevent the password from being viewed by a third party.

When these values are input, the user selects the transmission button 77.
When the send button 77 is selected, the card terminal 3 authenticates the personal identification number (steps 10 and 15 in FIG. 7), and sends the authentication result, the amount information, the credit card number, and the electronic money card number to the credit company server 4. (Step 20 in FIG. 7).

  Each figure in FIG. 10 is a diagram showing an example of a screen displayed on the card terminal 3 when the purchased value is charged to the electronic money card 9.

  FIG. 10A is a charge screen displayed after the send button 77 is selected on the value purchase screen of FIG. 9B. In the flowchart of FIG. 8, this corresponds to the screen displayed in step 50. Here, it is assumed that a password is required to charge the electronic money card 9.

On the charge screen, a message such as “Please set the electronic money card and enter the password.” Is displayed to prompt the user to confirm the set of the electronic money card 9 and input the password. The Then, the card terminal 3 reads the electronic money card number from the electronic money card 9 (step 50 in FIG. 8).
In addition, a password input field 80 and a send button 81 are displayed on the charge screen.

According to the instruction, the user confirms that the electronic money card 9 is set in the reader / writer 7, inputs the password in the password input field 80, and selects the send button 81.
In the password input field 80, a black circle is displayed corresponding to the password entered by the user.
When the send button 81 is selected, the card terminal 3 sends the electronic money card number and password to the electronic money server 5 (step 55 in FIG. 8), and the electronic money server 5 sends the chargeable amount to the card terminal 3. It is transmitted (step 65 in FIG. 8).

FIG. 10B is a diagram showing an example of an amount confirmation screen for displaying the chargeable amount transmitted from the electronic money server 5. The flowchart of FIG. 8 corresponds to the screen displayed in step 70.
On the amount confirmation screen, “Chargeable amount 2,000 yen” and the like and the amount that can be charged at the present time are displayed and “Do you want to charge?” Is displayed to confirm the user's intention to charge. .

The charge screen is provided with a button 83 displayed as “Yes” and a button 84 displayed as “No”. The user selects the button 83 when charging, and when the user does not charge. Button 84 is selected.
If the button 84 is selected, the user can charge again later.

FIG. 10C is a diagram showing an example of a charge completion screen for notifying the user of the completion of charge. The flowchart of FIG. 8 corresponds to the screen displayed in step 95.
On the charge completion screen, the amount of money charged is displayed, such as “I charged for 2,000 yen”, and “Balance after charging is 3,000 yen”. Is displayed.

  In the electronic money charge system 1 of the present embodiment described above, the personal identification number of the electronic money card 9 can be authenticated locally at the card terminal 3, and further, the credit card 8 credits using the authentication result. You can purchase value. Then, the purchased value can be charged to the electronic money card 9.

In the embodiment, the credit card 8 is used to purchase value, but it is also possible to purchase the value using another financial IC card.
For example, it may be configured to purchase value using a bank cash card configured with an IC card.
The billing method in this case can be configured to withdraw from the user's bank account.

  In the embodiment, the credit company server 4 transmits the electronic money card number to the electronic money server 5, but this is not limited to the electronic money card number, and the owner authenticated by the credit company server 4 Any information that can identify (user) may be used. The electronic money server 5 charges the electronic money card 9 having the electronic money card number associated with the owner.

  For example, in the registered user database of the electronic money server 5, the electronic money card number of the electronic money card 9 and the credit card number of the credit card 8 are associated (linked), and the credit company server 4 credits the electronic money server 5 with credit. It can also be configured to send a card number.

  In this case, the electronic money server 5 can specify the electronic money card 9 to be charged by searching the registered user database for the credit card number received from the credit company server 4.

The credit company server 4 associates the credit card number with the electronic money card number, and the credit company server 4 transmits the electronic money card number corresponding to the credit card number received from the card terminal 3 to the electronic money server 5. It can also be configured to.
In this case, the card terminal 3 can transmit the electronic money card number to the electronic money server 5 by transmitting the credit card number to the credit company server 4, and it is necessary to transmit the electronic money card number to the credit company server 4. Disappear.

In the embodiment described above, the purchase of the value and the charging of the purchased value are continuously performed at the card terminal 3, but the purchased value can be charged to the electronic money card 9 later.
Here, a case where the user charges at home will be described with reference to FIG.

The user terminal 10 shown in FIG. 11 is composed of, for example, a personal computer that can be connected to the Internet and is equipped with a reader / writer 7.
First, the user sets the credit card 8 in the card terminal 3 and purchases the value with the credit company server 4. Thereafter, the electronic money card 9 is set in the user terminal 10 at home and connected to the electronic money server 5, and the purchased value is charged to the electronic money card 9.

Thus, the user can acquire the value purchased using the credit card 8 at the card terminal 3 from a terminal device different from the card terminal 3 later.
As this terminal device, a portable terminal having a value processing function can be used in addition to a personal computer.

FIG. 11 also shows the case where the mobile phone 60 charges the value.
The mobile phone 60 has a function of connecting to the Internet and also has the same function as the electronic money card 9.
After purchasing the value with the credit card 8, the user accesses the electronic money server 5 with the mobile phone 60 and charges the mobile phone 60 with the purchased value.

FIG. 12 is a block diagram illustrating an example of a functional configuration of the mobile phone 60.
As shown in FIG. 12, the mobile phone 60 includes a telephone function unit 61 that exhibits a function as a mobile phone that can be connected to the Internet, and a non-contact IC chip similar to that built in the electronic money card 9. The electronic money function unit 67 that exhibits the electronic money processing function and the interface unit 65 that connects the two are configured.
The mobile phone 60 can exhibit the same electronic money processing function as that of the electronic money card 9 by the electronic money function unit 67, and constitutes a money terminal.

The telephone function unit 61 can wirelessly communicate with the base station of the mobile phone 60 and is connected to the telephone line network (when making a call) or the Internet (when accessing the electronic money server 5) via the base station. Can do.
An application 62 is installed in the telephone function unit 61. The application 62 is an application that provides various services related to electronic money, and includes a relay unit 63 that accesses the electronic money function unit 67 via the interface unit 65.

  The application 62 has a function of presenting information stored in the electronic money function unit 67 to the user, such as accessing the electronic money function unit 67 and displaying an electronic money card ID, a value balance, log data, and the like on a display. Have.

Further, the application 62 communicates with the electronic money server 5 via the Internet.
As a result, the electronic money card ID and the balance of value stored in the electronic money function unit 67 are transmitted to the electronic money server 5, or the money amount change information transmitted from the electronic money server 5 is transmitted to the electronic money function unit 67. Can be entered.

  Although not shown, the electronic money function unit 67 is formed using a non-contact type IC chip and an antenna on which elements such as a CPU, ROM, RAM, EEPROM, and a high-frequency circuit are formed in the same manner as the electronic money card 9. When the CPU executes a predetermined program, the value processing unit 68 and the storage unit 69 shown in FIG. 12 are formed.

The storage unit 69 stores an electronic money card ID, a value balance, log data, and the like.
The value processing unit 68 outputs an electronic money card ID and a value balance according to an instruction from an external communication destination, or receives money amount change information from an external communication destination and updates the value balance.

As a communication destination of the value processing unit 68, there are a card terminal 3, an electronic money server 5, an electronic money terminal 80 installed in a store, and the like.
When communicating with the card terminal 3 and the electronic money terminal 80, the value processing unit 68 performs wireless communication via a built-in terminal antenna. In this case, the user installs the mobile phone 60 close to the electronic money terminal.
When communicating with the electronic money server 5, communication with the electronic money server 5 is performed via the application 62 via the Internet.

In this way, the mobile phone 60 communicates with the electronic money terminal or the electronic money server 5 and inputs the money amount change information to the electronic money function unit 67, thereby charging the electronic money function unit 67 with a value or Payment can be made using the value of the money function unit 67.
Since the value processing unit 68 can wirelessly communicate with the card terminal 3, it can be set in the card terminal 3 and charged with the value in the same manner as the electronic money card 9.

FIG. 13 is a diagram for explaining a usage pattern of the electronic money card 9 and the mobile phone 60.
After being charged, the electronic money card 9 and the mobile phone 60 are used in the electronic money system 1a shown in FIG.
The electronic money system 1a includes an electronic money charge system 1 including a credit company server 4, an electronic money server 5, a card terminal 3, and the like, and further includes the Internet 72, a base station 70, a telephone line network 71, electronic money terminals 80, 80, 80,..., The user terminal 10 and the like.

The electronic money terminal 80 is a terminal device for accessing a contactless IC card installed in a store or the like, and is a dedicated machine configured for electronic money business.
The electronic money terminal 80 includes a reader / writer unit with a built-in antenna. By transmitting and receiving radio waves using the antenna, a non-contact IC chip embedded in a money terminal such as the electronic money card 9 or the mobile phone 60 and the like Wireless communication between short distances can be performed.

  The electronic money terminal 80 performs wireless communication with the money terminal, reads the electronic money card ID set therein, the balance of the value stored in the electronic money card 9 or the mobile phone 60, or displays the amount change information. You can enter and increase or decrease the amount of value.

  As described above, the electronic money terminal 80 can increase or decrease the value stored in the electronic money card 9 or the mobile phone 60. Therefore, when charging the electronic money card 9 or the mobile phone 60, instead of collecting money for the charge amount from the user (or giving credit with the credit card 8) and collecting the price of goods or services from the user By subtracting the value held by the user and paying, the value can be distributed as a substitute for cash.

The user terminal 10 is a terminal device configured by a personal computer, for example, and can be connected to the electronic money server 5 via the Internet 72.
The user terminal 10 includes a reader / writer unit 10a as a peripheral device, and can perform short-range wireless communication with the electronic money card 9 and the mobile phone 60 using the reader / writer unit 10a.

Then, the user connects the electronic money card 9 and the mobile phone 60 to the user terminal 10 via the reader / writer unit 10 a, and further connects the user terminal 10 to the electronic money server 5, whereby the electronic money card 9 and the mobile phone 60 are connected. Can be connected to the electronic money server 5.
Thereby, the electronic money server 5 can increase or decrease the value with respect to the electronic money card 9 or the mobile phone 60.
In the case of the mobile phone 60, it is also possible to connect to the electronic money server 5 via the base station 70.
The telephone line network 71 is a line network used by the mobile phone 60 for a call.

  In this way, the electronic money system 1a is a distribution mechanism that distributes value in the same way as money, and the user can use the value charged using the credit card 8 for purchase of goods and services.

Next, modified examples of the credit card 8 and the electronic money card 9 will be described.
FIG. 14A shows a case where the credit card 8a is formed of a non-contact type IC card.
The credit card 8a has the same function as the credit card 8 which is a contact type IC card, but the interface connected to the card terminal 3 is a non-contact type.

In this case, the card terminal 3 authenticates the personal identification number of the credit card 8 a and reads the credit card number via the reader / writer 7.
As described above, when both the credit card 8 a and the electronic money card 9 are constituted by non-contact type IC cards, the processing can be performed by the reader / writer 7 without using the reader / writer 6.

  The reader / writer 7 cannot access the credit card 8a and the electronic money card 9 at the same time. For example, the card terminal 3 causes the user to set the credit card 8a in the reader / writer 7 and perform the processing. The electronic money card 9 is set in the reader / writer 7 and charged.

In FIG. 14 (a), both the credit card 8a and the electronic money card 9 are constituted by non-contact type IC cards, but conversely, both can be constituted by contact type IC cards.
In this case, the same processing can be performed by accessing both via the reader / writer 6.

FIG. 14B shows a case where the non-contact type IC card 9 a has a function as the credit card 8 and a function as the electronic money card 9.
This can be realized by incorporating a program for demonstrating the credit card function and a program for demonstrating the electronic money card function into the IC chip embedded in the non-contact type IC card 9a.

  The card terminal 3 communicates with the non-contact IC card 9a through the reader / writer 7, and can drive the non-contact type IC card 9a by switching between the credit card mode and the electronic money card mode.

  Therefore, the card terminal 3 drives the non-contact type IC card 9a in the credit card mode when performing credit card-related processing, and performs PIN code authentication or the like. When charging, the card terminal 3 uses the non-contact type IC card 9a as an electronic device. Drive in money card mode to perform charge processing.

For this reason, the user can perform both the process relating to the credit card and the process relating to the electronic money card only by setting the non-contact type IC card 9 a in the reader / writer 7.
Note that the contact IC card can have a credit card function and an electronic money card function. In this case, the reader / writer 6 accesses this contact type IC card.

In addition, a contact IC chip having a credit card function and a non-contact IC chip having an electronic money function can be embedded in one card.
In this case, the card is provided with a contact terminal for accessing the reader / writer 6 and a high-frequency circuit for accessing the reader / writer 7, and when used as a credit card, the card is set in the reader / writer 6 to be an electronic money card. When it is used as, the reader / writer 7 is set.

Conversely, a contact IC chip having an electronic money card function and a non-contact IC chip having a credit card function can be used by being embedded in a card.
In this case, it is set in the reader / writer 7 when used as a credit card, and is set in the reader / writer 6 when used as an electronic money card.

FIG. 14C shows a case where a non-contact type IC chip that exhibits an electronic money card function is embedded in the mobile phone 60.
In this case, since the card terminal 3 can access the mobile phone 60 via the reader / writer 7, the mobile phone 60 can be used in the same manner as the electronic money card 9.
That is, the value can be purchased with the credit card 8 and the value can be charged to the electronic money card 9.

As a further modification, a non-contact type IC chip embedded in the mobile phone 60 can have a credit card function.
In this case, the credit card 8 is not necessary, and value can be purchased and charged simply by setting the mobile phone 60 in the reader / writer 7.

  In addition to the mobile phone 60, various media such as a wrist watch and a PDA (Personal Digital Assistant) can be used as a medium for embedding the contact IC chip and the non-contact IC chip.

As described above, the credit card function and the electronic money card function are realized by an IC chip, and this IC chip can be realized by either a contact type or a non-contact type.
Also, the credit card function and the electronic money card function can be realized with one IC chip.
Therefore, various combinations are possible as a medium in which a credit card function or an electronic money function is embedded.

While the present embodiment and modifications have been described above, various modifications can be made with respect to the server device.
For example, the credit company server 4 and the electronic money server 5 can be configured by a single server device, or the credit company server 4 and the electronic money server 5 can be configured as a system including a plurality of server devices. .

  According to the embodiment and the modification described above, the value can be purchased by charging with a credit card, and the purchased value can be charged to the electronic money card 9 or the mobile phone 60.

It is the block diagram which showed an example of the structure of the electronic money charge system. It is the block diagram which showed an example of the hardware structure of a credit card and an electronic money card. It is the block diagram which showed an example of the hardware constitutions of a card terminal. It is the figure which showed an example of the logical structure of the database memorize | stored in a credit company server. It is the block diagram which showed an example of the hardware structure of a credit company server. It is the figure which showed an example of the logical structure of the database memorize | stored in an electronic money server. It is a flowchart for demonstrating the procedure which purchases value with a credit card. It is a flowchart for demonstrating the procedure which charges an electronic money card with value. It is the figure which showed an example of the screen displayed on a card terminal, when purchasing value with a credit card. It is the figure which showed an example of the screen displayed on a card terminal when carrying out value charge to an electronic money card. It is a figure for demonstrating a modification. It is a block diagram for demonstrating an example of a functional structure of a mobile telephone. It is a figure for demonstrating the usage type of an electronic money card or a mobile telephone. It is a figure for demonstrating various modifications.

Explanation of symbols

1 electronic money charge system 3 card terminal 4 credit company server 5 electronic money server 6 reader / writer 7 reader / writer 8 credit card 9 electronic money card

Claims (5)

Card information receiving means for receiving card specifying information and amount information for specifying the financial IC card from an IC card terminal that has authenticated the owner of the financial IC card using authentication information stored in the financial IC card;
The amount information and the card identification are sent to the amount change information transmitting means for transmitting the amount change information for increasing the amount of money value to the money terminal that increases or decreases the amount of money value stored based on the amount change information. Card information providing means for providing owner identification information of the owner specified by the information;
Billing means for charging the owner a fee according to the provided amount information;
A financial server comprising: The card information receiving means receives the owner identification information of the owner together with the card specifying information,
2. The financial server according to claim 1, wherein the card information providing means provides the received owner identification information to the money amount change information transmitting means. Authentication means for authenticating the owner of the financial IC card using authentication information stored in the financial IC card;
Card specifying information acquiring means for acquiring card specifying information for specifying the financial IC card from the financial IC card;
Amount information acquisition means for acquiring amount information for the authenticated owner;
Card information transmitting means for transmitting the acquired card specifying information and the amount information to the financial server according to claim 1,
Amount change information receiving means for receiving the amount change information transmitted from the amount change information transmitting means corresponding to the transmitted card specific information and amount information,
Input means for inputting the received money amount change information to a money terminal that increases or decreases the amount of the stored monetary value based on the money amount change information;
An IC card terminal comprising: In a computer comprising card information receiving means, card information providing means, and billing means,
The card information receiving means receives card specifying information and money amount information for specifying the financial IC card from an IC card terminal that has authenticated the owner of the financial IC card using authentication information stored in the financial IC card. Card information receiving step,
With respect to the amount change information transmitting means for transmitting the amount change information for increasing the amount of money value to the money terminal for increasing or decreasing the amount of stored money value based on the amount change information by the card information providing means, Card information providing step of providing money amount information and owner identification information of the owner specified by the card specifying information;
A charging step of charging the owner with a fee according to the provided amount information by the charging means;
A financial information processing method comprising: In a computer comprising authentication means, card specific information acquisition means, amount information acquisition means, card information transmission means, amount change information reception means, and input means,
An authentication step of authenticating an owner of the financial IC card by using the authentication information stored in the financial IC card by the authentication means;
A card specifying information acquiring step for acquiring card specifying information for specifying the financial IC card from the financial IC card by the card specifying information acquiring means;
Amount information acquisition step of acquiring amount information for the authenticated owner by the amount information acquisition means;
The card information transmitting step of transmitting the acquired card specifying information and the amount information to the financial server according to claim 1 by the card information transmitting means;
Amount change information receiving step of receiving the amount change information transmitted from the amount change information transmitting means corresponding to the transmitted card specifying information and amount information by the amount change information receiving means;
An input step of inputting the received amount change information to a money terminal that increases or decreases the amount of stored monetary value based on the amount change information by the input means;
A financial information processing method comprising:

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