JP2007299252A - Electronic money managing device, electronic money managing method, its program, and mobile phone device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money managing device enabling a user oneself to adequately manage detailed deposit/withdrawal of electronic money in electronic payment by a noncontact IC card and a mobile phone. <P>SOLUTION: The electronic money managing device is provided with a spendable money amount storage part for storing information on a spendable money amount, and one or a plurality of specified upper limit money amount storage parts for storing an upper limit money amount for payment specified by a user out of the spendable money amount. An allocation instruction to the specified upper limit money amount storage part of the upper limit money amount specified out of the money amount stored in the spendable money amount storage part is accepted, and the upper limit money amount is allocated to the specified upper limit money amount storage part. A payment is subtracted from the money amount stored in the specified upper limit money amount storage means in response to a request from a reader/writer device with a money amount stored in the specified upper limit money amount storage part as an upper limit. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an electronic money management device, an electronic money management method, and an electronic money management method for transmitting / receiving electronic money information to / from the reader / writer device based on reception of a wireless communication signal transmitted from the reader / writer device. The present invention relates to a program and a mobile phone device.

2. Description of the Related Art Conventionally, there is a mechanism for electronic payment by storing electronic money information in a contactless IC card or mobile phone using RFID (Radio Frequency Identification) technology and holding the IC card or mobile phone over a reader / writer device. It's being used. In this mechanism, an IC card or a mobile phone that has received a radio wave transmitted from a reader / writer device stores information (such as electronic money amount information) stored in a memory or the like based on an induced electromotive force generated by the radio wave. It is done by sending to. A mechanism of electronic payment using a non-contact type IC card is disclosed in Patent Document 1.
JP 2000-251148 A

  By the way, in the above-described technology, when performing electronic payment, based on the signal received from the reader / writer device, the amount information of the electronic money recorded in the memory of the IC card or the mobile phone is reduced to perform the payment processing. Yes. That is, in the electronic money settlement process, the amount charged from the store side is automatically withdrawn from the memory of the IC card or mobile phone. At this time, although the debit amount etc. is displayed at the cash register used when making electronic payment, the user does not actually perform the act of paying the fee by taking out the money from the wallet. I often felt uneasy about whether the withdrawal was done. Also, even if information of a larger amount than the amount that should be electronically settled due to some system malfunction is withdrawn from the memory of the IC card or mobile phone, it is difficult for the user to confirm it accurately, so an illegally large amount of money There was a need to devise measures that would not be dropped. In addition, since the electronic payment using the above-described technology is a system in which electronic money recorded on an IC card or a mobile phone is debited (that is, a fee is taken from one wallet), electronic payments corresponding to payment applications are made. Money management was difficult. In other words, it has been difficult for the conventional electronic payment technology using a non-contact type IC card or a mobile phone to manage fine deposit and withdrawal of electronic money.

  Accordingly, the present invention provides an electronic money management apparatus, an electronic money management method, and a program thereof that allow a user to appropriately manage fine deposit / withdrawal of electronic money in electronic payment using a contactless IC card or a mobile phone. It aims to provide a mobile phone device.

  In order to achieve the above object, the present invention is an electronic money management device that performs electronic payment processing based on a wireless communication signal with a reader / writer device, and stores information on the amount of money permitted to be used by the device itself. The usage permitted amount storage means, the designated upper limit amount storage means for storing the upper limit amount for payment designated by the user among the permitted amounts, and the specified amount of money stored in the usage permitted amount storage means. An allocation instruction to the designated upper limit amount storage means for the upper limit amount is received, and an amount distribution means for distributing the upper limit amount to the designated upper limit amount storage means, and an amount stored in the designated upper limit amount storage means as an upper limit And a settlement means for subtracting the payment amount in response to a request from the reader / writer device from the amount stored in the designated upper limit amount storage means. It is over management device.

  Further, according to the present invention, the above-described electronic money management apparatus includes a plurality of the specified upper limit amount storage means, and the amount distribution means stores a specified upper limit amount storage that receives an instruction from a user among the plurality of specified upper limit amount storage means. A process for allocating an upper limit amount to the means is performed.

  Further, according to the present invention, the electronic money management device described above subtracts an amount from any specified upper limit amount storage means among the plurality of specified upper limit amount storage means based on a wireless communication signal with the reader / writer device. Subtraction destination determination means for determining whether or not to perform.

  According to the present invention, the electronic money management device described above is based on the determination condition storage means for storing the determination condition of the subtraction destination of the plurality of designated upper limit amount storage means, and the plurality of the determination based on the determination condition. Subtracting destination determining means for determining which of the specified upper limit amount storage means to subtract the amount of money from among the specified upper limit amount storage means.

  In the electronic money management apparatus described above, the determination condition is information indicating a correspondence relationship between a date or time and identification information of the specified upper limit amount storage unit, and the subtraction destination determination unit The designated upper limit amount storage means indicated by the identification information corresponding to either or both of the date and time is determined as the subtraction destination.

  In the electronic money management apparatus according to the present invention, the determination condition is information indicating a correspondence relationship between user identification information and identification information in the specified upper limit amount storage unit, and the subtraction destination determination unit receives an input. The subtraction destination is determined based on the identification information stored in the designated upper limit amount storage unit corresponding to the received user identification information.

  In the electronic money management apparatus described above, the determination condition is information indicating a correspondence relationship between a service type and identification information of the specified upper limit amount storage unit, and the subtraction destination determination unit accepts an input. The subtraction destination is determined based on the identification information of the designated upper limit amount storage means corresponding to the service type.

  According to the present invention, in the electronic money management device described above, the amount distribution unit receives an instruction to distribute the amount stored in the specified upper limit amount storage unit to the use permission amount storage unit, and the usage permission amount The amount information is distributed to the storage means.

  Further, according to the present invention, the electronic money management device described above receives desired balance storage means for storing a user's desired balance in the designated upper limit amount storage means, and receives a predetermined timing at a date or time or a radio signal from the reader / writer. Based on the amount of money indicated in the desired balance and the amount stored in the specified upper limit amount storage means, and calculates the amount of distribution from the use permission amount storage means to set the desired balance Amount updating means for automatically performing distribution processing to the designated upper limit amount storage means.

  The present invention also provides a usage-amount storage means for storing information on the amount permitted to be used by the device, and a designated upper-limit amount storage for storing an upper limit amount for payment designated by the user among the permitted amounts. And an electronic payment processing method of an electronic money management device that performs electronic payment processing based on a wireless communication signal with a reader / writer device, wherein the amount of money stored in the use amount storage means is designated. An amount distribution process for distributing the upper limit amount to the specified upper limit amount storage unit, receiving the instruction to distribute the upper limit amount to the specified upper limit amount storage unit, and an amount stored in the specified upper limit amount storage unit as an upper limit A settlement process for subtracting the payment amount from the amount stored in the specified upper limit amount storage means in response to a request from the reader / writer device. It is already processing method.

  According to the present invention, the electronic payment processing method described above includes a plurality of the specified upper limit amount storage means, and in the amount distribution process, the specified upper limit amount storage that receives an instruction from the user among the plurality of specified upper limit amount storage means. A process for allocating an upper limit amount to the means is performed.

  Further, according to the present invention, the electronic payment processing method described above is based on information included in a wireless communication signal from the reader / writer device, and from any of the plurality of designated upper limit amount storage means, And a subtraction destination determination process for determining whether to subtract the amount of money.

  In the electronic payment processing method according to the present invention, the electronic money management device further includes a determination condition storage unit that stores a subtraction destination determination condition among the plurality of designated upper limit amount storage units. And a subtraction destination determination process for determining which of the plurality of designated upper limit amount storage means to subtract the amount of money from among the plurality of designated upper limit amount storage means based on the determination condition.

  In the electronic payment processing method described above, the determination condition is information indicating a correspondence relationship between a date or time and identification information of the specified upper limit amount storage means. In the subtraction destination determination process, The designated upper limit amount storage means indicated by the identification information corresponding to either or both of the date and time is determined as the subtraction destination.

  In the electronic payment processing method described above, the determination condition is information indicating a correspondence relationship between the user identification information and the identification information stored in the designated upper limit amount storage means. The subtraction destination is determined based on the identification information stored in the designated upper limit amount storage unit corresponding to the received user identification information.

  In the electronic payment processing method described above, the determination condition is information indicating a correspondence relationship between a service type and identification information of the specified upper limit amount storage unit, and an input is accepted in the subtraction destination determination process. The subtraction destination is determined based on the identification information of the designated upper limit amount storage means corresponding to the service type.

  According to the present invention, in the amount distribution process of the electronic payment processing method described above, an instruction to distribute the amount stored in the specified upper limit amount storage unit to the use permission amount storage unit is received, and the use permission amount storage is performed. The amount information is distributed to the means.

  In the electronic payment processing method described above, the electronic money management device further includes desired balance storage means for storing a user's desired balance in the designated upper limit amount storage means, and a predetermined timing or date or time Based on the reception of the wireless signal from the reader / writer, the distribution amount corresponding to the amount indicated by the desired balance and the amount stored in the designated upper limit amount storage means is calculated, and the distribution amount is used as the usage permission An amount updating process for automatically distributing the amount from the amount storing means to the designated upper limit amount storing means in which the desired balance is set is provided.

  The present invention also provides a usage-amount storage means for storing information on the amount permitted to be used by the device, and a designated upper-limit amount storage for storing an upper limit amount for payment designated by the user among the permitted amounts. And a program to be executed by an electronic money management device that performs electronic payment processing based on a wireless communication signal with a reader / writer device, and is designated among the amounts stored in the use permission amount storage unit An amount distribution process for distributing the upper limit amount to the specified upper limit amount storage unit, receiving the instruction to distribute the upper limit amount to the specified upper limit amount storage unit, and an amount stored in the specified upper limit amount storage unit as an upper limit And a settlement process for subtracting the payment amount from the amount stored in the designated upper limit amount storage means in response to a request from the reader / writer device. Is that program.

  Further, the present invention is a mobile phone device that performs electronic payment processing based on a wireless communication signal with a reader / writer device, and a use permission amount storage unit that stores information on an amount of money permitted to be used by the device itself, A designated upper limit amount storing means for storing an upper limit amount for payment designated by the user among the permitted amounts, and the specified upper limit for the specified upper limit amount among the amounts stored in the permitted amount storing means An amount allocation unit that receives an allocation instruction to the amount storage unit and distributes the upper limit amount to the specified upper limit amount storage unit, and an upper limit is the amount stored in the specified upper limit amount storage unit. And a settlement means for subtracting a payment amount from a stored amount in response to a request from the reader / writer device.

  According to the present invention, only the payment amount designated in advance by the user is settled from the storage unit storing the payment amount information. Therefore, the payment of the amount designated by himself / herself can be made without telling the person in charge of the payment, in the same way as when actually making a donation, money, or a tip. Moreover, since the payment processing is performed with the payment amount set by the user as an upper limit, the user can manage the payment of electronic money according to the payment purpose.

  Moreover, according to this invention, the user can designate the designated upper limit amount memory | storage part which subtracts the payment amount among several designated upper limit amount memory | storage parts according to the payment use. In other words, if the usage allowance storage unit is considered as a large wallet, and multiple specified upper limit amount storage units are considered as small wallets, the amount is distributed from the large wallet to the small wallet according to the payment purpose, and at the time of payment, The payment process can be performed by switching the wallet of the payment destination. Thereby, the management of the electronic money according to the payment use can be performed for each small wallet.

  Hereinafter, an electronic money management apparatus according to a first embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing the configuration of the electronic money management apparatus according to the first embodiment. In this figure, reference numeral 1 denotes an electronic money management device. The electronic money management device 1 is, for example, a mobile phone terminal, a PDA (Personal Digital Assistants), an IC card (a reader / writer device that does not have an interface for a user to input, but can read and write information on the IC card) It is assumed that information recorded in the IC card can be operated using a PC equipped with Reference numeral 2 denotes a reader / writer device. In the electronic money management apparatus 1, reference numeral 10 denotes a mobile phone unit. Reference numeral 11 denotes an RFID processing unit that performs transmission and recording of information based on a radio signal transmitted from the reader / writer device 2. A control unit 12 controls each processing unit of the electronic money management apparatus 1. Reference numeral 13 denotes a usage permission amount storage unit, which is the amount of money (for example, the amount of money that has been registered for payment) designated to be used by a user in a mobile phone, a PDA, an IC card, or the like equipped with the electronic money management device 1. Store information. Reference numeral 14 denotes a designated upper limit amount storage unit, which stores the upper limit amount specified by the user among the amounts stored in the use permission amount storage unit 13. Then, the electronic money management device 1 according to the present embodiment uses the specified upper limit amount storage unit to store the specified upper limit amount information out of the amount information stored in the usage permission amount storage unit 13 based on the user's specification. 14 according to the subtraction request received from the reader / writer device 2, and performs a subtraction process with the upper limit amount recorded in the designated upper limit amount storage unit 14 as a limit.

  The mobile phone unit 10 is a processing unit provided when the electronic money management apparatus 1 is a mobile phone, and has the same function as a general mobile phone. Specifically, it has a wireless communication unit, key input unit, display unit, ROM (Read Only Memory), RAM (Random Access Memory), etc., and control for controlling these by a CPU (Central Processing Unit) Part. When the electronic money management apparatus 1 is an IC card, an interface processing unit connected and controlled by a computer via an IC card reader / writer may be provided instead of the mobile phone unit 10. In this case, in the electronic money management device 1, the interface control unit accepts control from a computer connected to the outside, and the control unit 12 reads information recorded in the use permission amount storage unit 13 and the specified upper limit amount storage unit 14. Or make a change.

FIG. 2 is a diagram showing a processing flow of the electronic money management device and the reader / writer device according to the first embodiment.
Here, a description will be given of an embodiment in the case where the user makes a payment determined by an upper limit, such as donation, money, or chip payment. In such a case, the reader / writer device 2 is a device that accepts donations, money and chip payments. In such a situation, the reader / writer device 2 transmits a connection request signal, which is a signal waiting for the electronic money management device (such as a mobile phone). The electronic money management apparatus 1 accepts an input of electronic money by a user when making a donation, money, or chip payment. (Step S1). Then, the control unit 12 of the electronic money management apparatus 1 distributes the payment amount input from the user among the amounts stored in the use permission amount storage unit 13 to the designated upper limit amount storage unit 14 (step S2). . That is, the payment amount is updated by subtracting the payment amount information stored in the use permission amount storage unit 13, and the payment amount is written in the designated upper limit amount storage unit 14.

  When the electronic money management device 1 is held over the reader / writer device 2 by the user, an RFID (Radio Frequency Identification) processing unit 11 of the electronic money management device 1 receives a connection request signal transmitted from the antenna of the reader / writer device 2. (Step S3), an induced electromotive force is generated in the RFID processing unit 11. Then, the RFID processing unit 11 transmits a capture signal to the reader / writer device 2 using the electromotive force (step S4). The connection request signal is a signal that triggers the start of communication, and the capture signal is the response and includes the ID of the electronic money management apparatus 1. Although not shown, thereafter, the electronic money management device 1 and the reader / writer 2 perform mutual authentication by exchanging their IDs, common keys, and the like. Then, the settlement control unit 21 of the reader / writer device 2 transmits a transaction start request signal to the electronic money management device 1 via the communication processing unit 22 (step S5). In the present embodiment, the transaction start request signal is a signal for requesting the total amount payable by the electronic money management apparatus. When receiving the transaction start request signal, the RFID processing unit 11 of the electronic money management apparatus 1 deletes the payment amount information stored in the designated upper limit amount storage unit 14 (step S6). Then, a transaction completion signal is transmitted to the reader / writer device 2 (step S7). When the payment control unit 21 of the reader / writer device 2 receives the transaction completion signal, the payment control unit 21 determines the completion of the electronic payment, and performs a process of notifying the payment amount and the completion of the electronic payment to a server or the like connected via the communication network.

  As a result of the above processing, only the payment amount designated by the user in advance for donation, money, and tip payments is stored in the storage unit (in this embodiment, the designated upper limit amount storage unit 14). ) Is processed for payment. Therefore, the payment of the amount designated by himself / herself can be made without telling the person in charge of the payment, in the same way as when actually making a donation, money, or a tip. Moreover, since the payment processing is performed with the payment amount set by the user as an upper limit, the user can manage the payment of electronic money according to the payment purpose.

  When the electronic money management device 1 is a device that does not have the mobile phone unit 10 such as an IC card, the electronic money management device 1 includes an interface processing unit or the like instead of the mobile phone unit 10, and the interface processing The unit is connected to a personal computer or the like having an IC card reader / writer, and the same setting is performed on the IC card through these set devices. In this embodiment, the start of connection is a connection request signal from the reader / writer device 2, but this embodiment can be realized even when the electronic money management device 1 issues a connection request signal. In this case, the electronic money management device 1 continues to transmit the connection request signal, and when the communication processing unit 22 of the reader / writer device 2 confirms the reception of this signal, the capture signal is transmitted. Thereafter, mutual authentication is performed by exchanging keys or IDs between the electronic money management apparatus 1 and the reader / writer apparatus 2. In the present embodiment, the case where the user makes a payment with an upper limit such as donation, money or chip payment has been described. However, even when there is a payment request from the reader / writer that does not satisfy the upper limit, the payment is naturally It can be done.

Next, an electronic money management apparatus according to a second embodiment will be described with reference to the drawings.
FIG. 3 is a block diagram showing the configuration of the electronic money management apparatus according to the second embodiment.
The difference from the first embodiment of the electronic money management apparatus 1 shown in this figure is that it includes a settlement control unit and a plurality of designated upper limit amount storage units. The designated upper limit amount storage units provided in the electronic money management device 1 according to the second embodiment are denoted by 14a to 14c, and reference numeral 15 is a settlement control unit. Other configurations will be described using the same reference numerals. In the electronic money management apparatus 1 according to the present embodiment, the settlement control unit 15 performs the settlement process according to the information from the amount stored in any of the plurality of designated upper limit amount storage units 14 according to an instruction from the control unit 12. Decide what to do.

FIG. 4 is a diagram showing a processing flow of the electronic money management device and the reader / writer device according to the second embodiment.
The usage permission amount storage unit 13 registers the usage permitted amount input by the user. Then, according to the input from the user, the amount registered in the usage permission amount storage unit 13 is distributed and managed in accordance with the payment purpose. At this time, a screen for the electronic money management device 1 is displayed on the screen of the electronic money management apparatus 1 by the user's operation, and an input screen for the distribution destination and the distribution amount. The distribution destinations are three distribution destinations corresponding to the designated upper limit amount storage units 14a, 14b, and 14c. And the input of designation | designated of each distribution destination, the money amount allocated to the said distribution destination, and a distribution instruction | indication is received from a user. Then, the control part 12 of the electronic money management apparatus 1 receives the input of this instruction (step 101). Here, it is assumed that the distribution destination is the designated upper limit amount storage unit 14a. Then, the control unit 12 reduces the allocated amount indicated by the distribution instruction in the use permission amount storage unit 13 (step S102), and the designated upper limit amount storage unit in which the information of the allocated amount of the same amount as the reduced amount is designated. Write to 14a (step S103). Further, the control unit 12 instructs the designated upper limit amount storage units 14b and 14c as the distribution destinations according to the input from the user, and registers the distribution amount.

  Assume that the electronic payment processing is performed in such a state that the amounts are written in the designated upper limit amount storage units 14a to 14c. At that time, the electronic money management apparatus 1 accepts an input of the designated upper limit amount storage unit 14a as the amount subtraction destination from the user (step S104). Then, the control unit 12 registers the identification number of the designated upper limit amount storage unit designated as the subtraction destination in the settlement control unit 15 in the use permission amount storage unit 15 (step S105). When the electronic money management device 1 is held over the reader / writer device 2 by the user during electronic payment, the RFID processing unit 11 of the electronic money management device 1 receives a signal transmitted from the antenna of the reader / writer device 2 (step S106). ), An induced electromotive force is generated in the RFID processing unit 11. The RFID processing unit 11 transmits a capture signal to the reader / writer device 2 using the electromotive force (step S107). When the settlement control unit 21 of the reader / writer device 2 receives the capture signal, it transmits a transaction start request signal to the electronic money management device 1 via the communication processing unit 22 (step S108).

  When receiving the transaction start request signal, the RFID processing unit 11 of the electronic money management apparatus 1 instructs the payment control unit 15 to perform electronic payment processing. Then, the settlement control unit 15 determines whether or not information for the payment amount is stored in the designated upper limit amount storage unit 14a of the subtraction destination registered in step S105 (step S109), and the information for the payment amount is stored. If so, the payment amount is subtracted from the stored amount (step S110). Then, a transaction completion signal is transmitted to the reader / writer device 2 (step S111). In step S109, if information for the payment amount is not stored, a signal indicating that the transaction is not completed is transmitted to the reader / writer device 2 (step S112). When the payment control unit 21 of the reader / writer device 2 receives the transaction completion signal, the payment control unit 21 determines the completion of the electronic payment and performs a process of notifying the payment amount and the completion of the electronic payment to a server or the like connected via the communication network. .

FIG. 5 is a first diagram illustrating a screen image of a mobile phone provided with the electronic money management apparatus according to the second embodiment.
In the present embodiment, in the mobile phone application, the designated upper limit amount storage units 14a, 14b, and 14c shown in FIG. It is named. FIG. 3 shows a screen image of the mobile phone unit 10 when money information is distributed from the general wallet to the daily necessities wallet, the meal wallet, the roadside wallet, etc. according to the use of the electronic money. When the CPU of the mobile phone unit 10 starts application software for money transfer by an operation from the user or the like, the mobile phone displays a screen that prompts the user to select one wallet from daily necessities wallet, meal wallet, and doryoku wallet. Displayed on the display screen of the unit 10. When the user inputs that the meal wallet has been determined, the settlement control unit 15 recognizes that the meal wallet has been selected. Along with this processing, the mobile phone unit 10 displays a value (amount of money) distribution screen (wallet menu) to the meal wallet. In this value distribution screen, the user inputs the desired amount (1000 yen in the figure) and then presses the enter button, and then the amount of 1000 yen is subtracted from the general wallet and the amount of 1000 yen is distributed to the meal wallet. I do.

FIG. 6 is a second diagram showing a screen image of a mobile phone provided with the electronic money management device according to the second embodiment.
This figure shows a screen image displayed on the display screen of the mobile phone unit 10 when the electronic money management apparatus 1 performs electronic payment via the mobile phone unit 10 by an input from the user. First, in response to an input from the user, the CPU of the mobile phone unit activates application software and displays a settlement screen on the display screen of the mobile phone unit 10. When one wallet is selected from the daily necessities wallet, the meal wallet, and the road music wallet displayed on the payment screen by the user's input, the payment control unit 15 recognizes the selected wallet. Here, when the user selects a meal wallet, the display unit of the mobile phone unit displays information on the amount stored in the meal wallet on the display screen (wallet menu). If the user holds the mobile phone unit 10 over the reader / writer device 2 and the electronic money management device 1 and the reader / writer device 2 communicate with each other and a sufficient amount of money is stored in the meal wallet, the settlement control unit 15 Reduce the amount paid from the meal wallet. Then, the settlement control unit 15 notifies the mobile phone unit 10 of the remaining amount, and the mobile phone unit 10 displays the remaining amount on the display screen.

  With the above processing, a specified upper limit amount storage unit for subtracting the payment amount from among a plurality of specified upper limit amount storage units can be specified by input from the user according to the purpose of payment. In other words, if the usage allowance storage unit is considered as a large wallet and multiple specified upper limit amount storage units are considered as small wallets, the amount is distributed from the large wallet to the small wallet according to the payment purpose, You can switch to the payee's wallet for payment processing. As a result, electronic money can be managed according to the payment purpose.

  Next, an electronic money management apparatus according to a third embodiment will be described with reference to the drawings. The configuration of the electronic money management device 1 of the third embodiment is the same as that of the second embodiment (FIG. 3). Then, in the electronic money management device 1 according to the third embodiment, the settlement control unit 15 determines a designated upper limit amount storage unit from which the payment amount is subtracted according to the determination conditions.

FIG. 7 is a diagram showing a processing flow of the electronic money management device and the reader / writer device according to the third embodiment.
The third embodiment is an example in a case where it is determined from which of a plurality of designated upper limit amount storage units subtraction is performed according to the determination condition. First, it is assumed that money amount information is distributed to a plurality of designated upper limit money amount storage units of the electronic money management apparatus 1. In such a situation, when the electronic money management device 1 is held over the reader / writer device 2 by the user at the time of electronic payment, the RFID processing unit 11 of the electronic money management device 1 receives a signal transmitted from the reader / writer device 2 (Step S1). S201), an induced electromotive force is generated in the RFID processing unit 11. The RFID processing unit 11 transmits a capture signal to the reader / writer device 2 using the electromotive force (step S202). When the settlement control unit 21 of the reader / writer device 2 receives the capture signal, it transmits a transaction start request signal to the electronic money management device 1 via the communication processing unit 22 (step S203).

  When receiving the transaction start request signal, the RFID processing unit 11 of the electronic money management apparatus 1 instructs the payment control unit 15 to perform electronic payment processing. Then, the settlement control unit 15 determines a designated upper limit amount storage unit that subtracts the amount from a plurality of designated upper limit amount storage units based on the determination condition (step S204). The details of the method for determining the designated upper limit amount storage unit based on the determination condition will be described later. For example, when the subtraction destination is the designated upper limit amount storage unit 14a, the settlement control unit 15 determines whether or not information for the payment amount is stored in the registered upper limit amount storage unit 14a of the subtraction destination. If the information for the payment amount is stored (step S205), the payment amount is subtracted from the stored amount (step S206). Then, the RFID processing unit 11 transmits a transaction completion signal to the reader / writer device 2 (step S207). In step S205, if information for the payment amount is not stored, a signal indicating that the transaction is not completed is transmitted to the reader / writer device 2 (step S208). When the payment control unit 21 of the reader / writer device 2 receives the transaction completion signal, the payment control unit 21 determines the completion of the electronic payment, and performs a process of notifying the payment amount and the completion of the electronic payment to a server or the like connected via the communication network.

Next, a method for determining the designated upper limit amount storage unit based on the determination condition will be described.
FIG. 10 shows a subtraction destination determination table.
This subtraction destination determination table is used to determine a designated upper limit amount storage unit for subtracting the amount of money among a plurality of designated upper limit amount storage units. In the subtraction destination determination table, as shown in FIG. 10, for example, time information (time, date, day of the week), upper limit amount, user ID (electronic money) is associated with an identification number for identifying the designated upper limit amount storage unit. Identification information of a user who uses the management device 1: any user identification information such as fingerprint data or a personal identification number may be used, and a service type provided by the management company (the service type is a unique service form assigned to the number) For example, a management company, a withdrawal service company, etc.). In addition, conditions for changing the amount recorded in the designated upper limit amount storage unit (such as updating to a certain amount every day, moving the entire amount to the usage permission amount storage unit 13 after a predetermined time, etc. Various information indicating conditions) may be stored.
(1) When the determination condition is a date When the determination condition is a date, the date and the identification information of the designated upper limit amount storage unit are recorded in the subtraction destination determination table. This subtraction destination determination table is stored in a memory or the like by user input.
When the payment control unit 15 receives an instruction for electronic payment processing from the RFID processing unit 11, the payment control unit 15 reads the identification information associated with the current date from the subtraction destination determination table stored in the memory. The designated upper limit amount storage unit shown is determined as the designated upper limit amount storage unit from which the payment amount is subtracted. The determination condition may be only date + time or time instead of date.

(2) When the determination condition is a user ID As described above, the user ID is, for example, a user-registered number, symbol, or biometric information (such as fingerprint information). When the determination condition is a user ID, the user ID and identification information of the designated upper limit amount storage unit are recorded in the subtraction destination determination table. Then, the control unit 12 records the user ID received from the user when using the electronic money management apparatus 1 in the settlement control unit 15 or the like. When the settlement control unit 15 receives an instruction for electronic settlement processing from the RFID processing unit 11, the settlement control unit 15 reads the user ID, and stores the specified upper limit amount storage unit registered in the subtraction destination determination table in association with the user ID. The identification information is read, and the designated upper limit amount storage unit indicated by the identification information is determined as the designated upper limit amount storage unit from which the payment amount is subtracted.

(3) When the determination condition is a service type When the determination condition is a service type, the service type and identification information of the designated upper limit amount storage unit are associated with each other and recorded in the subtraction destination determination table. This service type is recorded at the time of user input, creation of a subtraction destination determination table, or the like. When the payment control unit 15 receives an instruction for electronic payment processing from the RFID processing unit 11, the payment control unit 15 recognizes the service type included in the content of the instruction, and the specified upper limit registered in the subtraction destination determination table in association with the service type. The identification information in the amount storage unit is read, and the designated upper limit amount storage unit indicated by the identification information is determined as the designated upper limit amount storage unit from which the payment amount is subtracted.

In addition to the determination methods such as (1), (2), and (3) above, for example, based on a plurality of usage determination conditions, a specified upper limit amount as a subtraction destination from a plurality of specified upper limit amount storage units. You may make it determine a memory | storage part.
For example, in the example shown in FIG. 10, when determining the designated upper limit amount storage unit to which the payment amount is subtracted, the settlement control unit 15 uses the user ID that is currently using the electronic management money management device 1. Is “002”, the current day of the week is “Friday”, and the service type received from the reader / writer device 2 is “A”, the information is associated and recorded in the subtraction destination determination table. The designated upper limit amount storage unit indicated by the identification number 1 is determined as the subtraction destination.

In addition, the settlement control unit 15 provides information about the user ID that currently uses the electronic management money management device 1 is “001” and the service type received from the reader / writer device 2 is “A”. Are associated and recorded in the subtraction destination determination table, and the designated upper limit amount storage unit indicated by the identification number 2 is determined as the subtraction destination.
Further, when the service type received from the reader / writer device 2 is “A” and the current day of the week is “Friday”, the settlement control unit 15 associates the information and records it in the subtraction destination determination table. The designated upper limit amount storage unit indicated by the identification number 3 is determined as the subtraction destination.

  When the user ID currently using the electronic management money management apparatus 1 is registered in the subtraction destination determination table, the control unit 12 specifies the specified upper limit amount for which the user ID is registered. The storage unit 14 may be automatically enabled and the amount may be withdrawn from the designated upper limit amount storage unit 14 when payment processing is performed.

  If the specified upper limit amount storage unit to be subtracted is determined from among the plurality of specified upper limit amount storage units according to the determination conditions by the above processing, management according to the usage of electronic money can be performed. . In other words, each of the plurality of designated upper limit amount storage units is considered as a small wallet, and for example, by changing the wallet on a monthly basis, it is possible to determine and manage the monthly electronic money payment upper limit. Specifically, for example, the settlement control unit 15 inquires the control unit 12 about the time, confirms the conditions set in the subtraction destination determination table when the designated time comes, and changes the setting of the designated upper limit amount storage unit. It is processing. In addition, by considering each of the specified upper limit amount storage units as a small wallet and changing the wallet for each user, for example, a wallet that can be used by children in the family, or a wallet that can be used by parents, etc. Can be managed. That is, detailed management of electronic money can be appropriately performed based on the user's own judgment.

Next, an electronic money management apparatus according to a fourth embodiment will be described with reference to the drawings.
FIG. 8 is a block diagram showing the configuration of the electronic money management apparatus according to the fourth embodiment.
This figure differs from the configuration of the electronic money management apparatus shown in FIG. 3 in the position of the settlement control unit 15 and is provided between the control unit 12 and the designated upper limit amount storage unit. In the configuration of FIG. 3, the settlement control unit 15 processes subtraction from the designated upper limit amount storage unit determined as the subtraction destination among the plurality of designated upper limit amount storage units. However, in the configuration of FIG. Controls Enable (read / write enabled) / Disable (read / write disabled) of the specified upper limit amount storage unit determined as the subtraction destination. Then, the subtraction processing is performed in the designated upper limit amount storage unit controlled as Enable. As a result, the same electronic payment processing as in the second and third embodiments may be performed.

Next, an electronic money management apparatus according to a fifth embodiment will be described with reference to the drawings.
FIG. 9 is a block diagram showing a configuration of an electronic money management apparatus according to the fifth embodiment.
In the fifth embodiment, an example will be described in which the management company of the reader / writer device 2, that is, the management company of electronic payment is different. Further, the electronic money management device 1 shown in FIG. 9 is different from the above-described third embodiment in that a settlement control unit is provided for each of a plurality of designated upper limit amount storage units.

  As described in the other embodiments, the electronic money management device 1 is held over the reader / writer device 2 during electronic payment processing. Here, an authentication key is stored in the signal transmitted from the reader / writer device 2. ing. Then, the settlement controllers 15a to 15c perform an authentication process using the authentication key stored in the signal. This authentication processing can be realized by, for example, mutual authentication using a common key, but any other method may be used. Then, the settlement control unit that has determined that the authentication is successful performs a subtraction process in the connected designated upper limit amount storage unit. For example, when the settlement control unit 15a determines that the authentication is successful, a subtraction process is performed from the designated upper limit amount storage unit 14a. Thereby, for example, when the authentication key is different for each electronic payment management company, the authentication key included in the signal transmitted from the reader / writer device 2 is also different for each electronic payment management company. The electronic money can be subtracted from the designated upper limit amount storage unit for each management company. In other words, if the designated upper limit storage unit 14a is the wallet of the electronic payment management company 1, the designated upper limit amount storage unit 14b is the wallet of the electronic payment management company 2, and the specified upper limit amount storage unit 14c is the wallet of the electronic payment management company 3. The management according to the usage of each electronic money can be performed.

  In the electronic money management device 1 described above, the control unit 12 receives an instruction to distribute the amount stored in the specified upper limit amount storage unit to the use permission amount storage unit 13, and stores the amount of money in the use permission amount storage unit 13. Information may be moved.

  In the electronic money management device 1 described above, when the amount stored in the specified upper limit amount storage unit is insufficient, the distribution processing may be automatically performed from the usage permission amount storage unit 13. In this case, the user's desired balance in the designated upper limit amount storage unit is stored in a memory or the like. Then, the control unit 12 compares the amount indicated by the desired balance with the amount stored in the designated upper limit amount storage unit based on a predetermined timing at the date or time or reception of the wireless signal from the reader / writer device 2. If the amount stored in the specified upper limit amount storage unit is less than the desired balance, the distribution amount is calculated from (desired balance-amount currently stored), and the distribution amount is stored in the permitted amount of use. The distribution process may be automatically performed from the unit 13 to the designated upper limit amount storage unit.

  As mentioned above, although embodiment of this invention was described, each above-mentioned apparatus has a computer system inside. The process described above is stored in a computer-readable recording medium in the form of a program, and the above process is performed by the computer reading and executing this program. Here, the computer-readable recording medium means a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, or the like. Alternatively, the computer program may be distributed to the computer via a communication line, and the computer that has received the distribution may execute the program.

  The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

It is a block diagram which shows the structure of the electronic money management apparatus by 1st Embodiment. It is a figure which shows the processing flow of the electronic money management apparatus and reader / writer apparatus by 1st Embodiment. It is a block diagram which shows the structure of the electronic money management apparatus by 2nd Embodiment. It is a figure which shows the processing flow of the electronic money management apparatus and reader / writer apparatus by 2nd Embodiment. It is a 1st figure which shows the screen image of the mobile telephone with which the electronic money management apparatus in 2nd Embodiment was equipped. It is a 2nd figure which shows the screen image of the mobile telephone with which the electronic money management apparatus in 2nd Embodiment was equipped. It is a figure which shows the processing flow of the electronic money management apparatus and reader / writer apparatus by 3rd Embodiment. It is a block diagram which shows the structure of the electronic money management apparatus by 4th Embodiment. It is a block diagram which shows the structure of the electronic money management apparatus by 5th Embodiment. It is a figure which shows the example of a subtraction destination determination table.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Electronic money management apparatus 2 ... Reader / writer apparatus 11 ... RFID process part 12 ... Control part 13 ... Usage permission amount memory | storage part 14 ... Designated upper limit amount memory | storage part 15 ... Settlement control unit

Claims (22)

An electronic money management device that performs electronic payment processing based on a wireless communication signal with a reader / writer device,
Usage permission amount storage means for storing information on the amount of money permitted to be used by the device;
A designated upper limit amount storage means for storing an upper limit amount for payment designated by the user among the permitted amounts,
Amount allocating unit that accepts an instruction to distribute the specified upper limit amount to the specified upper limit amount storage unit among the amounts stored in the permitted usage amount storage unit and distributes the upper limit amount to the specified upper limit amount storage unit When,
A settlement unit that subtracts a payment amount in response to a request from the reader / writer device from an amount stored in the specified upper limit amount storage unit, with the upper limit being the amount stored in the specified upper limit amount storage unit;
An electronic money management device comprising: A plurality of the designated upper limit amount storage means,
2. The electronic money according to claim 1, wherein the amount distribution unit performs an upper limit amount distribution process to a specified upper limit amount storage unit that receives an instruction from a user among the plurality of specified upper limit amount storage units. Money management device. Subtraction destination determination means for determining which designated upper limit amount storage means is to be subtracted from among the plurality of designated upper limit amount storage means based on information included in the wireless communication signal from the reader / writer device. When,
The electronic money management apparatus according to claim 2, further comprising: Determination condition storage means for storing a subtraction destination determination condition among the plurality of designated upper limit amount storage means;
A subtraction destination determination means for determining which of the specified upper limit amount storage means to subtract the amount of money from among the plurality of specified upper limit amount storage means based on the determination condition;
The electronic money management apparatus according to claim 2, further comprising: The determination condition is information indicating a correspondence relationship between a date or time and identification information of the designated upper limit amount storage unit,
5. The electronic device according to claim 4, wherein the subtraction destination determination unit determines that the specified upper limit amount storage unit indicated by the identification information corresponding to one or both of the current date and time is a subtraction destination. Money management device. The determination condition is information indicating a correspondence relationship between user identification information and identification information of the specified upper limit amount storage unit,
The electronic money management device according to claim 4, wherein the subtraction destination determination unit determines a subtraction destination based on identification information of a designated upper limit amount storage unit corresponding to the user identification information that has received an input. The determination condition is information indicating a correspondence relationship between a service type and identification information of the specified upper limit amount storage unit,
The electronic money management device according to claim 4, wherein the subtraction destination determination unit determines a subtraction destination based on identification information of a designated upper limit amount storage unit corresponding to the service type that has received the input. Information included in the wireless communication signal is management company identification information,
4. The electronic money management apparatus according to claim 3, wherein the subtraction destination determination unit subtracts an amount from a specified upper limit amount storage unit specified by the management company identification information. The amount distribution means receives an instruction to distribute the amount of money stored in the specified upper limit amount storage means to the use permission amount storage means, and distributes the amount information to the use permission amount storage means. The electronic money management apparatus according to claim 1, wherein: Desired balance storage means for storing a user's desired balance in the designated upper limit amount storage means;
Based on a predetermined timing at a date or time or reception of a wireless communication signal from the reader / writer, a distribution amount corresponding to the amount indicated by the desired balance and the amount stored in the designated upper limit amount storage means is calculated. An amount updating unit that automatically distributes the distribution amount from the use permission amount storage unit to the designated upper limit amount storage unit in which the desired balance is set;
The electronic money management apparatus according to claim 1, further comprising: Usage permission amount storage means for storing information on the amount of money permitted to be used by the device;
A designated upper limit amount storage means for storing an upper limit amount for payment designated by the user among the amount permitted to be used,
An electronic payment processing method of an electronic money management device that performs electronic payment processing based on reception of a wireless communication signal transmitted from a reader / writer device,
Amount allocation processing for accepting a distribution instruction to the specified upper limit amount storage means for the specified upper limit amount of the amount stored in the use permission amount storage means, and distributing the upper limit amount to the specified upper limit amount storage means When,
Settlement processing for subtracting the payment amount in response to a request from the reader / writer device from the amount stored in the specified upper limit amount storage unit with the amount stored in the specified upper limit amount storage unit as an upper limit;
An electronic settlement processing method characterized by comprising: A plurality of the designated upper limit amount storage means,
The electronic money according to claim 11, wherein in the money amount allocation process, an upper limit amount is distributed to a specified upper limit amount storage unit that receives an instruction from a user among the plurality of specified upper limit amount storage units. Payment processing method. Subtraction destination determination processing for determining which of the plurality of designated upper limit amount storage means to subtract the amount of money from among the plurality of designated upper limit amount storage means based on information included in the wireless communication signal from the reader / writer device When,
The electronic payment processing method according to claim 12, further comprising: The electronic money management device further includes a determination condition storage unit that stores a determination condition of a subtraction destination among the plurality of designated upper limit amount storage units.
The subtraction destination determination process for determining which of the plurality of designated upper limit amount storage means to subtract the amount of money from among the plurality of designated upper limit amount storage means based on the determination condition. 12. The electronic payment processing method according to 12. The determination condition is information indicating a correspondence relationship between a date or time and identification information of the designated upper limit amount storage unit,
The electronic device according to claim 14, wherein, in the subtraction destination determination process, the designated upper limit amount storage means indicated by the identification information corresponding to one or both of the current date and time is determined as a subtraction destination. Payment processing method. The determination condition is information indicating a correspondence relationship between user identification information and identification information of the specified upper limit amount storage unit,
The electronic settlement processing method according to claim 14, wherein, in the subtraction destination determination process, a subtraction destination is determined based on identification information of a designated upper limit amount storage unit corresponding to the user identification information that has received an input. The determination condition is information indicating a correspondence relationship between a service type and identification information of the specified upper limit amount storage unit,
The electronic settlement processing method according to claim 14, wherein, in the subtraction destination determination process, a subtraction destination is determined based on identification information of a designated upper limit amount storage unit corresponding to the service type that has received an input. Information included in the wireless communication signal is management company identification information,
The electronic settlement processing method according to claim 13, wherein the subtraction destination determination unit subtracts an amount from a designated upper limit amount storage unit specified by the management company identification information. In the amount allocation processing, receiving an instruction to allocate the amount stored in the specified upper limit amount storage means to the usage permission amount storage means, and distributing the amount information to the usage permission amount storage means. The electronic payment processing method according to claim 11, wherein The electronic money management device further comprises desired balance storage means for storing a user's desired balance in the designated upper limit amount storage means,
Based on a predetermined timing at a date or time or reception of a wireless communication signal from the reader / writer, a distribution amount corresponding to the amount indicated by the desired balance and the amount stored in the designated upper limit amount storage means is calculated. The electronic money according to claim 11, further comprising: an amount update process for automatically distributing the distribution amount from the use permission amount storage unit to the designated upper limit amount storage unit in which the desired balance is set. Payment processing method. Usage permission amount storage means for storing information on the amount of money permitted to be used by the device;
A designated upper limit amount storage means for storing an upper limit amount for payment designated by the user among the amount permitted to be used,
A program to be executed by an electronic money management device that performs electronic payment processing based on reception of a wireless communication signal transmitted from a reader / writer device,
Amount allocation processing for accepting a distribution instruction to the specified upper limit amount storage means for the specified upper limit amount of the amount stored in the use permission amount storage means, and distributing the upper limit amount to the specified upper limit amount storage means When,
Settlement processing for subtracting the payment amount in response to a request from the reader / writer device from the amount stored in the specified upper limit amount storage unit with the amount stored in the specified upper limit amount storage unit as an upper limit;
A program that causes a computer to execute. A mobile phone device that performs electronic payment processing based on reception of a wireless communication signal transmitted from a reader / writer device,
Usage permission amount storage means for storing information on the amount of money permitted to be used by the device;
A designated upper limit amount storage means for storing an upper limit amount for payment designated by the user among the permitted amounts,
Amount allocating unit that accepts an instruction to distribute the specified upper limit amount to the specified upper limit amount storage unit among the amounts stored in the permitted usage amount storage unit and distributes the upper limit amount to the specified upper limit amount storage unit When,
A settlement unit that subtracts a payment amount in response to a request from the reader / writer device from an amount stored in the specified upper limit amount storage unit, with the upper limit being the amount stored in the specified upper limit amount storage unit;
A mobile phone device comprising:

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