JP2010086134A - Electronic money adjustment system, server, terminal, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money adjustment system for repaying the balance of a temporarily charged IC card with an electronic money function. <P>SOLUTION: A server side repayment means 410 of a server 40 which manages an IC card 10 with an electronic money function or a mobile terminal 20 manages a card identification code 421 and a balance 423 by a card information database 420, and in response to a repayment request from a charge adjustment terminal 30, makes the mobile terminal display a repayable sum and service fees, and input the repayment sum from the charge adjustment terminal 30. The server side repayment means 410 updates a balance 423 of the card information database 420 with the repayment sum and the service fees sum, and manages the acquired service fees sum 433 by the margin database 430. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an IC card settlement system with an electronic money function.

In recent years, electronic money using non-contact type IC cards has been used in ticket gates such as railways, supermarkets, convenience stores and the like. Many electronic money IC cards are prepaid, and users can charge a predetermined amount with a charging machine, or automatically charge a predetermined amount when the remaining amount falls below a certain amount. Furthermore, a method of changing the charge amount according to the usage record has been proposed (Patent Document 1).
JP 2004-362307 A

  However, the conventional IC card with an electronic money function has a problem that it cannot be refunded once charged.

  The present invention has been made in view of such a problem, and an object of the present invention is to provide an electronic money settlement system that enables a refund of the remaining amount of an IC card with an electronic money function once charged. is there.

A first invention for solving the above-described problem is composed of an IC card with an electronic money function, a terminal having an IC card read / write function, and a server connected to the terminal via a communication network, The server stores the remaining amount of the IC card with the electronic money function, displays the refundable amount from the remaining amount on the terminal, receives the refund amount from the terminal, and subtracts the refund amount from the remaining amount An electronic money settlement system comprising server-side withdrawal means for storing an amount in the storage means, wherein the terminal comprises terminal-side withdrawal means for adjusting the withdrawal amount.
The IC card with an electronic money function may be a portable terminal with an electronic money function.

  Further, the server displays a fee storage means for storing a fee amount or a fee rate, and displays the fee amount or the fee rate corresponding to the refundable amount on the terminal, and corresponds to the refund amount from the terminal. It is preferable to further include fee processing means for storing the fee amount in the fee storage means.

  With the above configuration, a refund from the remaining amount charged in the IC card becomes possible. Further, it becomes possible to calculate and manage the fee amount for the refund.

A second invention is a server connected via a communication network to a terminal having a read / write function for an IC card with an electronic money function, and storage means for storing the balance of the IC card with an electronic money function And a server-side refund unit that displays a refundable amount from the remaining amount on the terminal, receives a refund amount from the terminal, and stores the amount obtained by subtracting the refund amount from the remaining amount in the storage unit. Server.
Further, the server displays a fee storage means for storing a fee amount or a fee rate, and displays the fee amount or the fee rate corresponding to the refundable amount on the terminal, and corresponds to the refund amount from the terminal. It is preferable to further include fee processing means for storing the fee amount in the fee storage means.
A third invention is a program that causes a computer to function as the server according to claim 4 or claim 5.

  ADVANTAGE OF THE INVENTION According to this invention, it is possible to provide the electronic money settlement system which enables refund of the remaining amount of the IC card with an electronic money function once charged.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram showing a system configuration of an electronic money settlement system 1 according to the present embodiment.

As shown in FIG. 1, an electronic money settlement system 1 includes an IC card 10 with an electronic money function, a portable terminal 20 with an electronic money function, a charge settlement terminal or cash register terminal 30, a charge settlement terminal or cash register terminal 30, and a communication network. The server 40 is connected via the server 60.
The mobile terminal 20 with the electronic money function is, for example, a mobile phone in which an IC card with an electronic money function is built.
The charge terminal or cash register terminal 30 has a reader / writer that reads data from and writes data to the IC card 10 with the electronic money function and the portable terminal 20.

Normally, when charging is performed at the charge settlement terminal 30, the charge settlement terminal 30 holds the card identification of the IC card 10 or the portable terminal 20 by holding the IC card 10 or the portable terminal 20 over the reader / writer of the charge terminal settlement 30. Load the code.
The charge settlement terminal 30 accesses the server 40 via the communication network 60, and the server 40 sends the remaining amount of the IC card 10 or the portable terminal 20 recorded on the server 40 to the charge settlement terminal 30. The charge settlement terminal 30 displays the remaining amount sent from the server 40.
Although the remaining amount is described as being recorded in the server 40 here, the remaining amount is not recorded in the server 40 but may be stored in the IC card 10 or the portable terminal 20.
When the user inserts the charge amount into the charge terminal 30, the charge settlement terminal 30 writes a new remaining amount into the IC card 10 or the portable terminal 20 by the reader / writer, and transmits the charge amount to the server via the communication network 60. Send to 40.
The server 40 adds the charge amount to the previous remaining amount and stores it as a new remaining amount.

The charge settlement terminal 30 according to the present embodiment includes a terminal-side withdrawal unit 310, and the server 40 includes a server-side withdrawal unit 410.
When the user of the IC card 10 or the mobile phone 20 with electronic money requests a refund of the remaining amount, the charge settlement terminal 30 sends a refund request to the server 40 via the communication network 60, and the server side refund means 410 of the server 40. A process of refunding the refund amount determined by the exchange with the user is performed.
The server-side withdrawal means 410 receives the withdrawal request sent by the terminal-side withdrawal means 310 of the charge settlement terminal 30, determines a refundable amount and a fee from the remaining amount of the IC card 10 or the mobile phone 20 with electronic money, and charges settlement While presenting to the terminal 30, the remaining amount is updated from the actual refund amount and the fee amount is managed.

FIG. 2 is an explanatory diagram of the IC card 10 with the electronic money function. In the case of the portable terminal 20 with the electronic money function, the IC card 10 is built in the portable terminal 20.
FIG. 2A is a diagram illustrating an internal configuration example of the IC card 10.
In the IC card 10, an electromagnetic induction antenna 13 for communicating with a reader / writer of the cash register terminal or charge terminal 30 and a control IC chip 11 are incorporated.

FIG. 2B is a configuration diagram of the control IC chip 11 in the IC card 10.
As shown in the figure, the control IC chip 11 includes, for example, a CPU (Central Processing Unit) 111, a ROM (Read Only Memory) 112, a RAM (Random Access Memory) 113, a transmission / reception interface 115, an information storage unit 117, and the like. This is a configuration connected by a bus 119.

  The CPU 111 calls a program stored in the ROM 112 to the work memory area on the RAM 113 and executes it, and drives and controls each part connected via the bus 119. The information storage unit 117 is configured by a RAM or the like, for example, and stores information such as a card identification code of the IC card 10 and a balance. The transmission / reception interface 115 is controlled by execution of a program by the CPU 111, transmits information stored in the information storage unit 117 via the antenna 13 of the IC card 10, and receives information received from the outside via the antenna 13. .

FIG. 2C is a diagram illustrating a data configuration example of the information storage unit 117.
In the information storage unit 117, for example, a card identification code 421 (for example, “AAA”) and a remaining amount 423 (for example, “3000 yen”) are stored.

FIG. 3 is a diagram illustrating a hardware configuration example of the cash register terminal or the charge terminal 30.
As shown in FIG. 3, the cash register terminal or charge terminal 30 includes, for example, a control unit 301, a storage unit 302, a cash processing unit 303, a communication control unit 304, an input / output interface 306, a display unit 307, an input unit 308, and a printing unit. 309 and the like are connected via the bus 300. An IC card reader / writer 305 is connected to the input / output interface 306.

The control unit 301 includes a CPU, ROM, RAM, and the like.
The CPU calls a program stored in the storage unit 302, ROM, recording medium, etc. to a work memory area on the RAM, executes it, drives and controls each device connected via the bus 300, Then, charge processing to the IC card 10 or the portable terminal 20 is executed.
The ROM permanently holds a computer boot program, a program such as BIOS, data, and the like, and the RAM temporarily holds the loaded program and data, and is used by the control unit 301 to perform various processes. Provide work area.

  The storage unit 302 is an HDD (hard disk drive) or the like, and stores a program executed by the control unit 301, data necessary for program execution, an OS (operating system), and the like. The terminal-side payout means 310 of the present embodiment is stored as a program in the storage unit 302, and these program codes are read by the control unit 301 as necessary, transferred to the RAM, and read by the CPU. Executed.

The cash processing unit 303 includes, for example, a banknote receiving port and a payment port, a banknote discriminator (bill validator), and the like, and when charging the IC card 10 or the mobile phone 20 with electronic money, or when paying back in the present embodiment. Input and output bills.
In addition, a coin receiving port and a payment port may be provided so that coins can be used for charging and settlement.

The communication control unit 304 includes a communication control device, a communication port, and the like, and is a communication interface that mediates communication with the communication network 60, and executes communication control.
The input / output interface 306 is connected to the IC card reader / writer 305 and controls reading / writing of data by the IC card reader / writer 305.

The display unit 307 includes a display device such as a liquid crystal panel and a CRT monitor, and a logic circuit (such as a video adapter) for executing display processing in cooperation with the display device.
The input unit 308 is, for example, a keyboard, a pointing device such as a mouse, or an input device such as a numeric keypad, and inputs data.
The printing unit 309 is a printer, and performs a printing process such as a receipt.

FIG. 4 is a hardware configuration diagram of the server 40.
The server 40 is installed in a management center or the like of the IC card 10 with the electronic money function or the portable terminal 20 and manages the usage status and the remaining amount of each IC card 10 or the portable terminal 20.

  The server 40 includes, for example, a control unit 401, a storage unit 402, a media input / output unit 403, a communication control unit 404, an input unit 405, a printing unit 406, a display unit 407, and the like connected via a bus 408.

The CPU calls and executes a program stored in the storage unit 402, ROM, recording medium, or the like in a work memory area on the RAM, and drives and controls each device connected via the bus 408.
The ROM permanently holds a computer boot program, a program such as BIOS, data, and the like, and the RAM temporarily holds the loaded program and data, and is used by the control unit 401 to perform various processes. Provide work area.

The storage unit 402 is an HDD (hard disk drive), and stores a program executed by the control unit 401, data necessary for program execution, an OS (operating system), and the like. These program codes are read by the control unit 401 as necessary, transferred to the RAM, read by the CPU, and executed as various means.
The server-side payout unit 410 according to the present embodiment is stored in the storage unit 402 as a program, and is read out by the control unit 401 as necessary, transferred to the RAM, read out to the CPU, and various means. Run as.

  The media input / output unit 403 (drive device) is a media input / output device such as a floppy (registered trademark) disk drive, PD drive, CD drive, DVD drive, and MO drive, and performs data input / output.

The communication control unit 404 includes a communication control device, a communication port, and the like, and is a communication interface that mediates communication with the communication network 60, and executes communication control.
The input unit 405 is an input device such as a keyboard, a pointing device such as a mouse, or a numeric keypad, and inputs data.
The printing unit 406 is a printer and performs, for example, a printing process such as a receipt.
The display unit 407 includes a display device such as a liquid crystal panel and a CRT monitor, and a logic circuit (such as a video adapter) for executing display processing in cooperation with the display device.

Next, operations of the terminal-side payout unit 310 and the server-side payout unit 410 according to the present embodiment will be described with reference to FIG.
FIG. 5 is a flowchart showing the flow of processing of the terminal-side withdrawal means 310 and the server-side withdrawal means 410. 6 is a diagram showing an example of the data configuration of the card information database 420 and the fee database 430 stored in the storage unit 402 of the server 40, and FIG. 7 is a refund screen displayed on the display unit 307 of the charge settlement terminal 30. It is an example.

As shown in FIG. 6A, the card information database 420 of the storage unit 402 of the server 40 stores the card identification code 421 and the remaining amount 423 of the IC card 10 and the portable terminal 20.
Normally, as shown in FIG. 2C, the remaining amount 423 is written and stored together with the card identification code 421 in the information storage unit 117 of the IC card 10 and the portable terminal 20. The remaining amount 423 stored in the card information database 420 of the server 40 is given priority in order to protect the system from the tampering of the remaining amount due to the malfunction of the terminal 20 or fraud.

  In the example of FIG. 6A, the remaining amount 427 of the IC card 10 with the card identification code 421 “AAA” is 3000 yen, the remaining amount of the IC card 10 with the card identification code 421 “BBB” is 35,000 yen, the card identification. The remaining amount of the IC card 10 whose code 421 is “CCC” is 333 yen.

  When the user of the IC card 10 (which is the same in the case of the mobile phone 20 but not described below) inserts or approaches the IC card 10 to the IC card reader / write unit 305 of the charge settlement terminal 30, charging is performed. The control unit 301 of the payment terminal 30 displays a process selection screen (for example, a screen for selecting charge or refund) for selecting the content of the process on the display unit 307 (step 350).

FIG. 7A shows a process selection screen example 501. When the user selects a process other than refund (No in step 351), the control unit 301 of the charge settlement terminal 30 ends the process.
On the other hand, when the user selects the refund process (Yes in step 351), the control unit 301 reads the card identification code 421 of the IC card 10 by the IC card reader / writer 305 (step 352).

  Next, the control unit 301 accesses the server 40 via the communication network 60 and sends a signal indicating a refund request together with the card identification code 421 (step 353).

  First, the control unit 401 of the server 40 searches the card information database 420, reads the remaining amount 423 for the received card identification code 421, and sends the remaining amount 423, the amount of money that can be refunded, and fee data to the charge settlement terminal 30 ( Step 450).

Here, the fee data is stored in the storage unit 402 of the server 40 in advance.
The fee is determined in advance, for example, as a fixed amount (for example, 0 yen, 315 yen or the like) or a fixed ratio (for example, 3%) with respect to the refund amount.
The amount that can be refunded is, for example, in units of 1000 yen when the charge settlement terminal 30 can use only banknotes.

When a refund of 1000 yen is possible and the fee is a fixed amount of 315 yen, the refundable amount is the amount obtained by subtracting the fee of 315 yen from the remaining amount 423 and rounding down less than 1000 yen.
That is, in the case of the card identification code 421 “AAA” in FIG. 6A, the amount that can be refunded is 2000 yen, “BBB” is 34,000 yen, and “CCC” is 0 yen.

On the other hand, when refunding in units of 1000 yen is possible and the fee is set to a fixed rate (for example, 3%) with respect to the refunded amount, the fixed rate (for example, 3%) with respect to the remaining amount 423 becomes the maximum fee, and the fee amount is set as the remaining amount. The amount that can be refunded is the amount that is deducted from and rounded down to the nearest 1000 yen.
In other words, in the case of the card identification code 421 “AAA” in FIG. 6A, the refundable amount is 2000 yen, “BBB” is 33,000 yen, and “CCC” is 0 yen.

The charge settlement terminal 30 receives the remaining amount 423, the fee (for example, 315 yen for a fixed amount, 3% for a fixed rate, etc.) and data of a refundable amount, and displays the data on the display unit 307 for refund to the user. An amount is input (step 354).
Screen example 2 (502) in FIG. 7B is an example of a refund amount input screen. The IC card 10 whose card identification code 421 is “AAA” is shown.
That is, it is displayed that the remaining amount 423 is 3000 yen, a 3% fee is deducted, and the amount that can be refunded is 2000 yen.
Then, the user is made to input the actual refund amount.

When the user inputs the refund amount, the control unit 301 then displays the refund amount and the fee for the refund amount input on the display unit 307, and allows the user to confirm (step 355).
Screen example 3 (503) in FIG. 7C is an example of a confirmation screen.
This shows that the user inputs 2000 yen as a refund amount, and the fee is 3%, 60 yen.

  When the user presses a confirmation button on the confirmation screen, the control unit 301 of the charge settlement terminal 30 accesses the server 40 via the communication network and sends a refund amount 425 (2000 yen) and a fee amount 433 (60 yen) ( Step 356).

The control unit 401 of the server 40 receives the card identification code 421 payout amount 425 and the fee amount 433 from the charge settlement terminal 30, and updates the remaining amount 423 for the card identification code 421 in the card information database 420 (step 451).
That is, an amount obtained by subtracting the refund amount 425 and the fee amount 433 from the remaining amount 423 is stored as the remaining amount 423.
In the case of the card identification code 421 “AAA”, the remaining amount 423 is 940 yen obtained by subtracting the payout amount 425 (2000 yen) and the fee amount 433 (60 yen) from the remaining amount 423 of 3000 yen.

Next, the control unit 401 of the server 40 stores the fee amount 433 in the fee database 430 provided in the storage unit 402, and ends the processing (step 452).
That is, the fact that 60 yen has been collected as the fee amount 433 from the card identification code 421 “AAA” is stored. At this time, the fee acquisition date and time 431 and the total fee 437 may be stored.

After the process of step 356, the control unit 301 of the charge settlement terminal 30 updates the remaining amount 423 of the information storage unit 117 of the IC card 10 by the IC card reader / writer 305 (step 357).
That is, in the case of the card identification code 421 “AAA”, 940 yen obtained by subtracting the refund amount 425 (2000 yen) and the fee amount 433 (60 yen) from the remaining amount 423 is written as the remaining amount 423.

  Finally, the control unit 301 of the charge settlement terminal 30 drives the cash processing unit 203 and pays out the refund amount 425 (step 358) and ends the process.

As described above, the electronic money settlement system 1 according to the present embodiment makes it possible to refund money once charged to the IC card 10. In addition, by setting a fee, it is possible to charge a fee for a refund and manage it by the server 40.
In the above description, refunding in units of 1000 yen has been described. However, by providing a function of discharging coins, refunding may be performed even for amounts less than 1000 yen.

  In addition, the server-side payout means 410 of the server 40 not only sends the data of the refundable amount and fee, but also the screen data (for example, FIG. 7) displayed on the display unit 307 of the charge settlement terminal 30 is the server-side payout means. It may be created at 41 and sent to the charge settlement terminal 30.

The present invention is not limited to the embodiment described above, and various modifications are possible, and these are also included in the technical scope of the present invention.
For example, it is possible to configure only the charge settlement terminal 30 instead of the charge settlement terminal 30, the communication network 60 and the server 40. This is effective, for example, when the remaining amount 423 of the IC card 10 or the mobile phone 20 with electronic money is stored only in the IC card 10 or the mobile phone 20 and not stored in the server 40.
That is, the charge settlement terminal 30 reads the remaining amount 423 stored in the information storage unit 117 of the IC card 10 or the portable terminal 20 with electronic money, displays a refundable amount and a fee, and inputs a refund amount 425 to the user. The payout amount 425 may be paid out and the remaining amount 423 in the information storage unit 117 of the IC card 10 or the portable terminal 20 with electronic money may be updated. This makes it possible to settle the charge amount without going through the server 40.

The figure which shows the structure of the electronic money settlement system 1 of this Embodiment. The figure which shows the structure of IC card 10 Hardware configuration of charge settlement terminal (cash register terminal) 30 Hardware configuration diagram of server 40 The flowchart which shows the flow of a process of the terminal side refund means 310 and the server side refund means 410. Configuration diagram of card information database 420 and fee database 430 stored in storage unit 402 of server 40 The figure which shows the example of a screen of the display part 307 of the charge settlement terminal 30

Explanation of symbols

1 ... Electronic money settlement system 10 ......... IC card 20 ......... Mobile terminal 30 ......... Charge settlement terminal (cash register terminal)
40... Server 310... Terminal side withdrawal means 410.

Claims (7)

An IC card with an electronic money function, a terminal having an IC card read / write function, and a server connected to the terminal via a communication network,
The server includes storage means for storing a balance of the IC card with the electronic money function;
Displaying a refundable amount from the remaining amount on the terminal; receiving a refund amount from the terminal; and storing the amount by subtracting the refund amount from the remaining amount in the storage unit,
The electronic money settlement system characterized in that the terminal has a terminal-side withdrawal means that settles the withdrawal amount. The server includes a fee storage means for storing a fee amount or a fee rate;
Fee processing means for displaying the fee amount or the fee rate corresponding to the refundable amount on the terminal, and storing the fee amount corresponding to the refund amount from the terminal in the fee storage means;
The electronic money settlement system according to claim 1, further comprising:   The IC card charging system according to claim 1 or 2, wherein the IC card with an electronic money function is a portable terminal with an electronic money function. A server connected to a terminal having a read / write function with respect to an IC card with an electronic money function via a communication network,
Storage means for storing the balance of the IC card with the electronic money function;
It has server-side refund means for displaying a refundable amount from the remaining amount on the terminal, receiving a refund amount from the terminal, and storing the amount obtained by subtracting the refund amount from the remaining amount in the storage means. server. The server includes a fee storage means for storing a fee amount or a fee rate;
Fee processing means for displaying the fee amount or the fee rate corresponding to the refundable amount on the terminal, and storing the fee amount corresponding to the refund amount from the terminal in the fee storage means;
The server according to claim 4, further comprising:   A program for causing a computer to function as the server according to claim 4 or 5. A terminal that performs a refund from an IC card with an electronic money function,
Read the remaining amount stored in the IC card with electronic money function,
A terminal that displays a refundable amount, inputs a refund amount, settles the refund amount, and writes the amount obtained by subtracting the refund amount from the remaining amount to the IC card with electronic money function as the remaining amount.

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