JP2011192147A - Relay server device, system, method and program for charging of electronic money - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform charging of electronic money from a portable terminal without modifying a financial institution system. <P>SOLUTION: The relay server device 500 for charging of electronic money includes: a portable terminal 100 which transmits a charging request; a financial institution system 300 which secures funds in response to the charging request; a communication unit 501 which transmits and receives information to/from an electronic money agent system 400 which issues a value corresponding to the funds; a conversion unit 505 which converts a part or all of information to be transmitted from the communication unit 501 to the financial institution system 300 to a format to be processed in the system 300; and a control unit 503 which controls the communication unit 501 and the conversion unit 505. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a relay server device, system, method, and program for charging electronic money.

  In recent years, electronic money value information (money value) is stored in an IC (Integrated Circuit) chip of a mobile terminal such as a mobile phone, and the electronic money is used using the mobile terminal. Such electronic money can be charged (deposited) with a cash deposit machine. However, the electronic money is charged from the account of a financial institution such as a bank by utilizing the characteristics of a portable terminal capable of communication via a network. It is also common.

  FIG. 11 is a diagram showing a general configuration of a system for charging electronic money from a financial institution account to a mobile terminal. The mobile terminal 10 is connected to the financial institution system 30 and the electronic money business operator system 40 via the network 20.

  Here, the portable terminal 10 can be connected to the network 20 and can be used as electronic money by writing value information in a built-in IC chip. The network 20 is a wireless or wired communication network that connects the mobile terminal 10, the financial institution system 30, and the electronic money business operator system 40 to each other.

  The financial institution system 30 includes an interface 31 and a host computer 33. The interface 31 transmits / receives information to / from the outside of the financial institution system 30 via a host computer 33 that manages and operates account information and the like and an external network. The electronic money business system 40 is a system that issues value of electronic money based on securing funds in the financial institution system 30.

  A general procedure of electronic money charging processing using the above system will be described. First, the mobile terminal 10 transmits a charge request including identification information of the mobile terminal 10, a charge amount, user account information, and the like to the financial institution system 30 based on a user operation.

  The charge request is received by the interface 31 of the financial institution system 30. The interface 31 requests the host computer 33 to secure funds for the charge amount from the user to the electronic money business based on the user account information and the charge amount included in the charge request. When the host computer 33 succeeds in securing funds, the interface 31 transmits a value issuance request including identification information of the mobile terminal 10, a charge amount, and the like to the electronic money business operator system 40.

  The electronic money business operator system 40 issues a value corresponding to the charge amount for the mobile terminal 10 based on the value issue request. When the value issuance is successful, the electronic money business operator system 40 transmits a value issuance response to the mobile terminal 10.

  The mobile terminal 10 that has received the value issuance response transmits a value receipt request to the electronic money business operator system 40. The electronic money business operator system 40 that has received the value reception request transmits the issued value data to the mobile terminal, and the mobile terminal writes the received value data to the IC chip. The electronic money charging process is completed by the above procedure.

  Many electronic money charging systems using such portable terminals are already known. For example, Patent Document 1 discloses a technique that uses a bank Internet banking system as the interface 31 of the financial institution system 30.

JP 2009-98852 A

  However, when electronic money is charged by the system as described above, it is necessary to modify the interface of the financial institution system so that a charge request from a portable terminal can be processed. In a financial institution system, since high reliability of the system is required, there has been a problem that renovation of the interface requires a lot of time and cost.

  In addition, due to the characteristics of mobile terminals that move freely and are driven by batteries, the wireless communication with mobile terminals is cut off, or the battery of mobile terminals runs out during processing, and the electronic money charging process is interrupted. There is a possibility. When the charging process is interrupted, it is necessary for the system operator to investigate where the communication is interrupted and then recover in order to prevent double issuance or loss of value. For this reason, there is a problem that it takes time to recover when the process is interrupted.

  Accordingly, the present invention has been made in view of the above problems, and one object of the present invention is to allow electronic money to be charged from a portable terminal without modifying the financial institution system. It is an object of the present invention to provide a new and improved relay server device, system and method.

  Another object of the present invention is to provide a new and improved relay server device, system, method and method capable of promptly and reliably recovering when electronic money charging processing is interrupted. To provide a program.

  In order to solve the above-described problem, according to an aspect of the present invention, a relay server device for charging electronic money, a mobile terminal that transmits a charge request, and securing funds according to the charge request A financial institution system, a communication unit that transmits / receives information to / from an electronic money business operator system that issues a value corresponding to the funds, and a part or all of the information transmitted from the communication unit to the financial institution system, There is provided a relay server device comprising: a conversion unit that converts to a format that can be processed by the financial institution system; and a control unit that controls the communication unit and the conversion unit.

  With this configuration, as long as a general-purpose interface is provided in the financial institution system, a system for charging electronic money from a portable terminal with less time and cost without any further modification to the financial institution system. Can be built.

  Here, the relay server device further includes a storage unit for storing a transaction ID for identifying a series of transmission / reception of the information performed by the communication unit and a processing state corresponding to the transaction ID, and the control unit includes: The transaction ID is issued in response to the ID issuance request received from the mobile terminal via the communication unit, the transaction ID and the processing status are stored in the storage unit, and the transaction ID is transmitted via the communication unit. When the communication unit performs the series of transmission / reception, the processing status stored in the storage unit is updated and the communication from the portable terminal is interrupted when the series of transmission / reception is interrupted. The restart request and the transaction ID received via the storage unit and the transaction read from the storage unit. Transfection ID and based on the above processing conditions, it may be resumed the series of transmission and reception in the communication unit.

  With this configuration, the interrupted electronic money charge process can be automatically and quickly restored by the process of activation from the mobile terminal without waiting for an operation by the operator on the relay server device side.

  In order to solve the above problem, according to another aspect of the present invention, there is provided a system for charging electronic money, and a financial institution system for securing funds in response to a charge request from a mobile terminal; A relay server that transmits and receives information to and from the electronic money business operator system that issues a value corresponding to the funds, the mobile terminal, the financial institution system, and the electronic money business operator system. And the relay server device converts a part or all of the information transmitted from the relay server device to the financial institution system into a format that can be processed by the financial institution system. A system is provided.

  Here, the relay server apparatus issues a transaction ID for identifying a series of transmission / reception of the information performed by the relay server apparatus in response to the issuance request received from the mobile terminal, and includes the transaction ID and the transaction ID. The corresponding processing status is stored in the storage unit provided in the relay server device, the transaction ID is transmitted to the mobile terminal, and when the series of transmission / reception is performed, the processing status is stored in the storage unit, When the series of transmission / reception is interrupted, the series of transmission / reception may be resumed based on the restart request and the transaction ID received from the mobile terminal, and the transaction ID and the processing status read from the storage unit. .

  In order to solve the above problem, according to another aspect of the present invention, there is provided a method for charging electronic money, in which a mobile terminal transmits a charge request to a relay server device; The relay server device converts the charge request into a fund securing request in a format that can be processed by the financial institution system, and transmits the request to the financial institution system; the financial institution system responds to the fund securing request Securing a fund securing response to the relay server device, and after the relay server device receives the fund securing response, the value issuing request corresponding to the fund is transmitted to the electronic money business operator system. And the electronic money business operator system issues a value corresponding to the funds in response to the value issuance request, -A method comprising: transmitting an issue response to the relay server device; and the relay server device transmitting a charge response to the mobile terminal after receiving the value issue response. Provided.

  Here, in the method, the mobile terminal transmits a transaction ID issuance request for identifying a series of information transmission / reception to the relay server device, and the relay server device responds to the issuance request, Issuing the transaction ID, storing the transaction ID and a processing status corresponding to the transaction ID in a storage unit provided in the relay server device, and transmitting the transaction ID to the portable terminal; The terminal receiving the transaction ID, and storing the transaction ID and a processing status corresponding to the transaction ID in a storage unit provided in the portable terminal, wherein the portable terminal transmits the charge request In the step of the mobile terminal The processing status corresponding to the transaction ID stored in the storage unit provided in the mobile terminal and the storage unit provided in the relay server device is executed after the step of storing the transaction ID. Is updated and any one of the above steps is interrupted, the mobile terminal is connected to the relay server device based on the transaction ID read from the storage unit provided in the mobile terminal and the processing status. A step of transmitting the series of transmission / reception resumption requests and the transaction ID; and the relay server device, the resumption request and the transaction ID, the transaction ID read from the storage unit provided in the relay server device, and the Based on the processing status, And resuming flop, but may be further performed.

  In order to solve the above-described problem, according to another aspect of the present invention, there is provided a program for causing a computer provided in a mobile terminal to execute a process of charging electronic money. Transmitting a transaction ID issuance request for identifying transmission / reception of the transaction, receiving the transaction ID from the relay server device, and storing the transaction ID and the processing status corresponding to the transaction ID in a storage unit provided in the portable terminal. A step of storing, a step of transmitting a charge request to the relay server device, and a step of receiving a charge response from the relay server device are caused to be executed by the computer, and each step is stored in the storage unit. The processing status has been updated and any of the above steps If the transaction ID is interrupted, the step of reading out the transaction ID and the processing status from the storage unit, and the series of transmission / reception restart requests and the transaction ID based on the transaction ID and the processing status are sent to the relay server device. And transmitting the program to the computer.

  As described above, according to the present invention, it is possible to charge electronic money from a mobile terminal without modifying the financial institution system, and when the electronic money charging process is interrupted, Recovery can be performed reliably.

1 is a configuration diagram of an electronic money charge system to which an embodiment of the present invention is applied. It is a block diagram of the relay server apparatus which concerns on embodiment of this invention. It is a figure which shows the structure and communication procedure of the system which concern on the 1st Embodiment of this invention. It is a figure which shows the structure and communication procedure of the system which concern on the 2nd Embodiment of this invention. It is a schematic diagram of the data stored in the memory of the mobile terminal according to the embodiment. It is a schematic diagram of the data stored in the database of the relay server device according to the embodiment. It is a figure which shows the relationship between transmission / reception of the information which concerns on the embodiment, and the status stored in a portable terminal and a relay server apparatus. It is a flowchart which shows the process which the portable terminal which concerns on this embodiment performs. It is a flowchart which shows the process which the portable terminal which concerns on this embodiment performs. It is a flowchart which shows the process which the relay server apparatus concerning this embodiment performs. It is a flowchart which shows the process which the relay server apparatus concerning this embodiment performs. It is a block diagram of the conventional electronic money charge system.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

<Example of hardware configuration>
FIG. 1 is a diagram illustrating an example of a configuration of a system for charging electronic money to which an embodiment of the present invention is applied. The mobile terminal 100 is connected to the relay server device 500 and the electronic money business operator system 400 via the network 200.

  Relay server device 500 is further connected to financial institution system 300 and electronic money business operator system 400. The connection between the relay server device 500 and the financial institution system 300 and the electronic money business operator system 400 may be via a dedicated line as shown, or may be via a public network as with the network 200.

  FIG. 2 is a diagram illustrating an example of the configuration of the relay server device 500 according to the embodiment of the present invention. The relay server device 500 includes a communication unit 501, a control unit 503, and a conversion unit 505, and includes a storage unit 507 as necessary.

  The communication unit 501 includes a communication device, a communication circuit, and the like, and can exchange information with the mobile terminal 100, the financial institution system 300, and the electronic money business operator system 400. The control unit 503 and the conversion unit 505 may be realized as software by a CPU (Central Processing Unit) 510 reading and executing a program stored in the storage unit 507 as illustrated, and a dedicated control device is provided. It may be realized as hardware.

  In the storage unit 507, a hard disk drive, a flash memory, or the like is appropriately combined as necessary. In addition to the above, the relay server device 500 includes an input device such as a keyboard and a mouse for accepting an operation by the operator, and a display device such as a monitor for displaying the processing status to the operator. Etc. as appropriate.

  The first and second embodiments of the present invention will be described below with reference to FIGS. 1 and 2 as appropriate.

<First Embodiment>
[Configuration of System According to First Embodiment]
FIG. 3 is a diagram showing a configuration of a system for charging electronic money and a communication procedure according to the first embodiment of the present invention. Hereinafter, the electronic money charge communication procedure in the present embodiment will be described with reference to FIG.

[Communication Procedure According to First Embodiment]
In the present embodiment, the mobile terminal 100 that is to charge electronic money based on a user's operation sends a charge request including identification information of the mobile terminal 100, a charge amount, user account information, and the like to the relay server device. Transmit to 500 (1).

  In relay server device 500, communication unit 501 receives a charge request from mobile terminal 100. Next, the conversion unit 505 converts the received charge request into a fund securing request that can be processed by the financial institution system 300, and the communication unit 501 transmits the fund securing request to the financial institution system 300 (2).

  Here, the conversion process performed by the conversion unit 505 in the relay server device 500 will be described with an example. For example, when the interface 310 of the financial institution system 300 is a general-purpose Internet banking system using the http protocol (not for the purpose of charging electronic money), the conversion unit 505 includes the charge amount and usage included in the charge request. A request for securing funds from the user's account in the financial institution system 300 is created using the http protocol in accordance with the interface 310 and transmitted to the interface 310 based on the account information of the user. The fund securing request may be made by a plurality of procedures in accordance with the specifications of the interface 310.

  In the financial institution system 300, the interface 310 receives a fund securing request from the relay server device 500. The interface 310 requests the host computer 330 to execute funds securing from the user's account based on the received fund securing request, and uses the processing result returned from the host computer 330 as a fund securing response as a relay server device. (3).

  In relay server device 500, communication unit 501 receives a fund securing response from financial institution system 300. The control unit 503 reads the received funds securing response, and if the processing result is “success”, the control unit 503 issues a value based on the identification information of the mobile terminal 100, the charge amount, etc. included in the charge request received from the mobile terminal 100 The request is generated, and the communication unit 501 transmits a value issue request to the electronic money business operator system 400 (4).

  On the other hand, when the processing result of the fund securing response is “failure” due to lack of funds in the user's account, the control unit 503 generates a charge response “fund securing failure”, and the communication unit 501 sends the charge response. Transmitting to the portable terminal 100, the portable terminal 100 ends the electronic money charging process. In this case, the charging of the electronic money is terminated by displaying a message such as “cannot be charged due to insufficient funds” on the portable terminal 100, for example.

  The electronic money business operator system 400 receives the value issuance request from the relay server device 500. The electronic money business operator system 400 performs value issuance processing based on the value issuance request, and transmits the processing result to the relay server device 500 as a value issuance response (5).

  In relay server device 500, communication unit 501 receives a value issuance response from electronic money business operator system 400. The control unit 503 reads the received value issuance response. If the processing result is “success”, the control unit 503 generates a charge response of “value issuance success”, and the communication unit 501 transmits the charge response to the mobile terminal 100 ( 6).

  On the other hand, when the processing result of the value issuance response is “failure” due to the excess of the number of value received by the user or the like, the control unit 503 generates a charge response of “value issuance failure”, and the communication unit 501 The charge response is transmitted to the mobile terminal 100, and the mobile terminal 100 ends the electronic money charging process. In this case, the charging of the electronic money is terminated by displaying, for example, a message such as “value cannot be issued due to excess number of receipts” on the mobile terminal 100.

  When the charge response received from the relay server device 500 is “value issuance success”, the portable terminal 100 transmits a value reception request to the electronic money business operator system 400 (7).

  In response to the value reception request received from the mobile terminal 100, the electronic money business operator system 400 transmits the issued value data to the mobile terminal 100 (8). The portable terminal 100 writes the received value data to the IC chip, and ends the electronic money charging process. In this case, the charging of the electronic money is terminated by displaying a message such as “charge successful”, a charge amount, a value balance, etc. on the portable terminal 100, for example.

[Effects of First Embodiment]
In the present embodiment, transmission / reception of a series of information in the electronic money charging process is performed via the relay server device 500. In communication with the financial institution system 300, the conversion unit 505 of the relay server device 500 converts the charge request from the portable terminal 100 into a fund securing request that can be processed by the general-purpose interface 310 of the financial institution system 300 and transmits the request. Is done.

  With the above configuration, as long as the general-purpose interface 310 is provided in the financial institution system 300, the electronic money can be transferred from the mobile terminal 100 with less time and cost without further modification of the financial institution system 300. It is possible to construct a system for charging

<Second Embodiment>
[Configuration of System According to Second Embodiment]
FIG. 4 is a diagram showing a configuration of a system for charging electronic money and a communication procedure according to the second embodiment of the present invention. The electronic money charge communication procedure in the present embodiment will be described below with reference to FIG.

  In this embodiment, in addition to the system configuration according to the first embodiment, the memory 120 of the mobile terminal 100 and the database 520 of the relay server device 500 are used. The memory 120 is a non-volatile memory such as a flash memory provided in the mobile terminal 100. The database 520 is constructed in the storage unit 507 of the relay server device 500.

[Communication Procedure According to Second Embodiment]
In the present embodiment, the mobile terminal 100 that wants to charge electronic money based on a user operation transmits an ID issue request for issuing a transaction ID to the relay server device 500 (1).

  Here, the transaction ID is an ID for identifying a series of transmission / reception of information performed between the portable terminal 100, the relay server device 500, the financial institution system 300, and the electronic money business operator system 400 for charging electronic money. It is. The transaction ID is given so as to be unique for one electronic money charging procedure. For example, the transaction ID is assigned to a character string representing identification information of the portable terminal 100 and time information at the time of generating the ID in one day. A character string in which sequence numbers are combined is used.

  In relay server device 500, control unit 503 receives an ID issue request from portable terminal 100 via communication unit 501. Receiving the ID issue request, the control unit 503 generates a transaction ID, stores the generated transaction ID in the database 520, and transmits the transaction ID to the portable terminal 100 via the communication unit 501 (2).

  Hereinafter, charge request (3), fund securing request (4), fund securing response (5), value issuing request (6), value issuing response (7), charge response (8), value receiving request (9), receiving The information transmitted / received in the response (10) is the same as the processing described in the first embodiment, and a description thereof will be omitted.

  However, in the present embodiment, a data record in which a transaction ID and a status (processing state) are associated is stored in the memory 120 of the mobile terminal 100 and the database 520 of the relay server device 500 when the above information is transmitted and received.

  FIG. 5 is a diagram schematically illustrating a data record stored in the memory 120 of the mobile terminal 100. FIG. 6 is a diagram schematically illustrating data records stored in the database 520 of the relay server device 500. Each data record stores one record for one transaction ID, and the status is sequentially updated in the course of a series of transmission and reception. Thereby, the status of the current transmission / reception progress status can be grasped. In addition to this, the data record may appropriately include columns necessary for processing, and may not necessarily be configured in a table format as shown in the figure.

  Also, instead of recording a plurality of histories for one transaction ID, one record may be assigned to one transaction ID and updated each time.

  FIG. 7 is a sequence diagram showing a series of transmission / reception of information for electronic money charging processing according to the present embodiment, and is stored in the memory 120 of the portable terminal 100 and the database 520 of the relay server device 500 at each step. It is a figure showing the relationship with a status. Hereinafter, with reference to FIG. 7, the relationship between a series of steps for transmitting and receiving information for electronic money charging processing and the statuses stored in the memory 120 of the mobile terminal 100 and the database 520 of the relay server device 500, respectively. explain.

  Note that the description here will be given only for the normal case only, and the detailed description including the error case will be given later in the description of the processing of the mobile terminal 100 and the relay server device 500.

  In the initial state, the data record in which the transaction ID is associated with the status is not stored in the memory 120 or the database 520. In this state, the mobile terminal 100 transmits a transaction ID issue request to the relay server device 500 (step S101).

  The relay server device 500 that has received the transaction ID issue request generates a transaction ID, and stores a data record in which the generated transaction ID is associated with the status “ID issued” in the database 520. The relay server device 500 further transmits the generated transaction ID to the mobile terminal 100 (step S103).

  The mobile terminal 100 that has received the transaction ID stores a data record in which the received transaction ID is associated with the status “ID acquired” in the memory 120. The portable terminal 100 further updates the status of the data record stored in the memory 120 to “charging request”, and then transmits a charge request including the transaction ID to the relay server device 500 (step S105).

  The relay server apparatus 500 that has received the charge request updates the status of the data record stored in the database 520 to “fund securing”, and then transmits the fund securing request to the financial institution system 300 (step S107).

  The relay server device 500 thereafter receives a fund securing response from the financial institution system 300 (step S109). The relay server device 500 updates the status of the data record stored in the database 520 to “value issuance”, and then transmits a value issuance request to the electronic money business operator system 400 (step S111).

  Thereafter, the relay server device 500 receives the value issuance response from the electronic money business operator system 400 (step S113). The relay server device 500 updates the status of the data record stored in the database 520 to “value issued”, and then transmits a charge response to the mobile terminal 100 (step S115).

  The mobile terminal 100 that has received the value issue response updates the status of the data record stored in the memory 120 to “receiving”, and then transmits a value reception request to the electronic money business operator system 400 (step S117). . In response to the value reception request received from the mobile terminal 100, the electronic money business operator system 400 transmits electronic money data together with a reception response to the mobile terminal 100 (step S119).

  After the information transmission / reception steps so far are completed and the reception of the value data and the writing to the IC chip are completed, the mobile terminal 100 deletes the data record stored in the memory 120 and ends the electronic money charging process. To do.

[Processing in Mobile Terminal According to Second Embodiment]
8A and 8B are flowcharts showing processing performed by the mobile terminal 100 in charging electronic money according to the present embodiment. Hereinafter, the processing of the mobile terminal 100 according to the present embodiment will be described in detail with reference to FIGS. 8A and 8B.

  The mobile terminal 100 according to the present embodiment starts an electronic money charge process based on a user's operation (step S201), and first attempts to acquire a data record including a transaction ID from the memory 120 (step S203).

  If the data record cannot be acquired from the memory 120 and therefore the transaction ID cannot be acquired (step S205), the mobile terminal 100 determines that there is no interrupted electronic money charging process and starts a new charging process. In this case, the mobile terminal 100 transmits an ID issue request to the relay server device 500 (step S207).

  When the normal response is not returned from the relay server device 500 for some reason (network disconnection, relay server device 500 down, etc.) in response to the ID issuance request (step S209), the mobile terminal 100 receives the electronic money charge. The process ends with an error (step S211).

  Other than the above, that is, when a transaction ID is returned together with a normal response from the relay server device 500 in response to the ID issuance request (step S209), the portable terminal 100 associates the status “ID acquired” with the received transaction ID. The stored data record is stored in the memory 120 (step S213). Thereafter, the mobile terminal 100 updates the status of the data record to “charging requested” (step S215), and transmits a charge request to the relay server device 500 (step S217).

  When a normal response is not returned from the relay server device 500 in response to the charge request (step S219), an error response of “value issue failure” or “fund securing failure” is returned (step S221). The terminal 100 ends the electronic money charge process.

  In this case, since the transmission / reception is completed without interruption, the normal end is made instead of the error end. The mobile terminal 100 deletes the data record including the transaction ID from the memory 120 (step S225), and displays a message such as “impossible to charge due to lack of funds” or “impossible to issue value due to excessive number of receipts”. Is finished (step S227).

  Other than the above, when a normal response is not returned in response to the charge request for some reason (network disconnection, relay server device 500 down, etc.) (step S221), the mobile terminal 100 ends the electronic money charging process (Step S223).

  In this case, since it is estimated that transmission / reception is interrupted, the process ends in error. The data record is left in the memory 120 in order to resume processing when the user performs a charge operation on the mobile terminal 100 again.

  Other than the above, that is, when a normal response is returned from the relay server device 500 in response to the charge request (step S219), the mobile terminal 100 updates the status to “receiving” with the data record stored in the memory 120 After (Step S229), a value reception request is transmitted to the electronic money business operator system 400 (Step S231).

  When a normal response is not returned for some reason (network disconnection, electronic money business operator system 400 down, etc.) in response to the value receiving request (step S233), the mobile terminal 100 ends the electronic money charging process. (Step S235).

  In this case, since it is estimated that transmission / reception is interrupted, the process ends in error. The data record is left in the memory 120 in order to resume processing when the user performs a charge operation on the mobile terminal 100 again.

  Other than the above, that is, when a normal response is returned from the electronic money business operator system 400 in response to the value receiving request (step S233), the mobile terminal 100 normally ends the electronic money charging process. The mobile terminal 100 deletes the data record including the transaction ID from the memory 120 (step S237), displays a message such as “charge successful”, the charge amount, the value balance, etc., and ends the charge process (step S239). ).

  On the other hand, in the acquisition of the transaction ID (step S203), if the data record can be acquired from the memory 120 and the transaction ID can be acquired therefrom (step S205), the mobile terminal 100 has an interrupted electronic money charge process. Determine and restart the interrupted charge process.

  When the status acquired together with the transaction ID from the data record is “ID acquired” (step S241), the mobile terminal 100 receives the transaction ID from the relay server device 500 in the previous charging process, and then receives the charge response. Before transmitting, it is determined that the processing has been interrupted due to, for example, the mobile terminal 100 being powered off. In this case, the mobile terminal 100 deletes the data record from the memory 120 (step S243), and resumes the process from transmission of the ID issue request to the relay server device 500 (step S207).

  Other than the above, when the status acquired together with the transaction ID from the data record is “charging request” (step S245), the mobile terminal 100 transmits a charge request to the relay server device 500 in the previous charging process. Thereafter, it is determined that an interruption has occurred before receiving the charge response. In this case, the mobile terminal 100 resumes processing from transmission of a charge request to the relay server device 500 (step S217).

  In other cases, that is, when the status acquired together with the transaction ID is “receiving” (step S245), the mobile terminal 100 transmits a value receiving request to the electronic money business operator system 400 in the previous charging process. After that, it is determined that the interruption has occurred before the electronic money data is received. In this case, the mobile terminal 100 resumes the process from the transmission of the value reception request to the electronic money business operator system 400 (step S231).

[Processing in Relay Server Device According to Second Embodiment]
9 and 10 are flowcharts showing processing performed by the relay server device 500 in the electronic money charge processing according to the present embodiment. FIG. 9 shows a process when an ID issue request is received from the mobile terminal 100, and FIG. 10 shows a process when a charge request is received from the mobile terminal 100. Hereinafter, the processing of the relay server device 500 according to the present embodiment will be described in detail with reference to FIGS. 9 and 10.

  In this embodiment, when an ID issue request is transmitted from the mobile terminal 100, the control unit 503 of the relay server device 500 receives the ID issue request from the mobile terminal 100 via the communication unit 501 (step S301). A new transaction ID is generated (step S303). Next, the control unit 503 stores a data record in which the generated transaction ID is associated with the status “ID issued” in the database 520 (step S305). Thereafter, the control unit 503 transmits a transaction ID together with a normal response to the mobile terminal 100 via the communication unit 501 (step S307).

  In the present embodiment, when a charge request is transmitted from the mobile terminal 100, the control unit 503 of the relay server device 500 accepts a charge request accompanied by a transaction ID from the mobile terminal 100 via the communication unit 501 (step S401). Thereafter, first, the control unit 503 acquires a data record from the database 520 using the received transaction ID as a key, and acquires a status therefrom (step S403).

  When the acquired status is “finance securing” (step S405), the control unit 503 transmits a fund securing request to the financial institution system 300 in the previous charge process and before receiving a fund securing response. It is determined that an interruption has occurred. In this case, since the processing status in the financial institution system 300 is unknown, the control unit 503 does not automatically perform recovery processing. For example, the message display on the display unit included in the relay server device 500, the display to the operator terminal The operator is instructed to investigate and respond by means of message transmission or the like (step S407).

  When the acquired status is “ID issued” (step S409), the control unit 503 determines that there is no previous charge processing that has been interrupted, or has been interrupted before the charge request is received by the control unit 503. to decide. In this case, since the process after acceptance of the charge request is not started, the control unit 503 enters a normal charge procedure. First, the control unit 503 updates the status of the data record stored in the database 520 to “finance securing” (step S411), and transmits a fund securing request to the financial institution system 300 (step S413).

  When a normal response is not returned for some reason (network disconnection, failure in the financial institution system 300, etc.) in response to the fund securing request (step S415), the control unit 503 stores the data record stored in the database. Is updated to “fund securing failure” (step S 417), an error response “fund securing failure” is transmitted to the mobile terminal 100 via the communication unit 501, and the process ends (step S 419).

  Other than the above, that is, when a normal response is returned from the financial institution system 300 to the fund securing request (step S415), the control unit 503 sets the status of the data record stored in the database 520 to “value issuance” It updates (step S421) and transmits a value issuance request to the electronic money business operator system 400 (step S423).

  When a normal response is not returned for some reason (network disconnection, electronic money business operator system 400 down, etc.) in response to the value issuance request (step S425), the control unit 503 is stored in the database 520. After the status of the data record is updated to “value issue failure” (step S427), an error response “value issue failure” is transmitted to the mobile terminal 100 via the communication unit 501, and the process is terminated (step S429). .

  Other than the above, that is, when a normal response is returned from the electronic money business in response to the value issue request (step S425), the control unit 503 sets the status of the data record stored in the database 520 to “value issue successful”. Update (step S431), and transmit a normal response to the mobile terminal 100 via the communication unit 501 (step S433).

  On the other hand, when the acquired status is “fund securing failure” (step S435), the control unit 503 interrupts while transmitting an error response of “fund securing failure” to the mobile terminal 100 in the previous charging process. It is determined that it has been made, an error response of “fund securing failure” is transmitted to the mobile terminal 100 via the communication unit 501, and the process is terminated (step S419).

  When the acquired status is “value issuance” or “value issuance failure” (step S437), the control unit 503 returns a normal response from the financial institution system 300 to the fund securing request in the previous charge process. After that, it is determined that an interruption has occurred at some timing until an error response is transmitted to the mobile terminal 100, and the process is restarted from the value issuance request transmission to the electronic money business operator system 400 (step S423).

  When the acquired status is other than the above, that is, “value issuance success”, the control unit 503 determines that an interruption has occurred during transmission of a normal response to the mobile terminal, and sends the mobile terminal 100 to the mobile terminal 100 via the communication unit 501. A normal charge response is transmitted (step S433).

[Interruption and recovery processing according to the second embodiment]
As described above, the recovery process according to the present embodiment is executed by the mobile terminal 100 and the relay server device 500 attempting to restart the charge process based on the statuses held in the memory 120 and the database 520, respectively. . With reference to Table 1 and FIG. 4 showing the communication procedure, as a result of the processing of the mobile terminal 100 and the relay server device 500, the recovery processing executed as the entire system is performed by the mobile terminal 100 and the relay server device 500 when the processing is resumed. Each status is explained.

(Pattern 1)
When the transaction ID is transmitted from the relay server device 500 to the mobile terminal 100, it is considered that an interruption has occurred due to communication disconnection or the like. In this case, since the data record is not yet stored in the memory 120 of the mobile terminal 100 and is the same as the initial state, the process from the first ID issue request transmission (1) from the mobile terminal 100 to the relay server device 500 is performed. Is re-executed.

(Pattern 2)
After the mobile terminal 100 receives the transaction ID and stores the data record in the memory 120 and before transmitting the charge request to the relay server device 500, the mobile terminal 100 is turned off or the like is interrupted. Conceivable. In this case, since the charge request has not yet been transmitted and the substantial charge process has not started, the mobile terminal 100 once deletes the data record and transmits the ID issue request from the mobile terminal 100 to the relay server device 500. The processing is re-executed from (1).

(Pattern 3)
When transmitting a charge request from the mobile terminal 100 to the relay server device 500, it is considered that an interruption occurred due to disconnection of communication or the like. In this case, since the charge request is not received in the relay server device 500, the process is re-executed from the charge request transmission (3) from the mobile terminal 100 to the relay server device 500.

(Pattern 4)
It is considered that an interruption occurred due to a disconnection of communication or a failure in the financial institution system 300 between the transmission of the funds securing request from the relay server device 500 to the financial institution system 300 and the reception of the fund securing response. In this case, since the processing status is unknown in the financial institution system 300, the recovery processing cannot be automatically performed based on the determination of the relay server device 500. Therefore, the relay server device 500 notifies the operator of the occurrence of the failure, or the mobile terminal 100 that has received the error response displays a message prompting the user to contact the operator.

(Pattern 5)
When the relay server device 500 transmits an error response of “failure to secure funds” to the mobile terminal 100, it is considered that an interruption has occurred due to communication disconnection or the like. In this case, since the processing is not successful unless the funds are deposited in the user's account, the re-execution of the fund securing request (4) to the financial institution system 300 is not performed, and “ The processing is re-executed from the charge response transmission of “fund securing failure”.

(Pattern 6)
It is considered that the processing was interrupted due to a disconnection of communication or a system failure between the transmission of the value issuance request from the relay server device 500 to the electronic money business operator system 400 and the reception of the value issuance response. In this case, the processing is re-executed from the value issuance request transmission (6) from the relay server device 500 to the electronic money business operator system 400.

(Pattern 7)
When the relay server device 500 transmits a charge response of “value issuance success” to the mobile terminal 100, it is considered that an interruption has occurred due to communication disconnection or the like. In this case, the process is re-executed from the charge response transmission (8) of “value issue success” from the relay server device 500 to the mobile terminal 100.

(Pattern 8)
When the relay server device 500 transmits a charge response of “value issue failure” to the mobile terminal 100, it is considered that an interruption has occurred due to communication disconnection or the like. In this case, the process is re-executed from the charge response transmission (8) of “value issue failure” from the relay server device 500 to the mobile terminal 100.

(Pattern 9)
It is considered that the processing was interrupted due to a disconnection of communication or a system failure between the transmission of the value reception request from the mobile terminal 100 to the electronic money business operator system 400 and the reception of the value reception response. In this case, the processing is re-executed from the value reception request transmission (9) from the portable terminal 100 to the electronic money business operator system 400.

[Effects of Second Embodiment]
In the present embodiment, transmission / reception of a series of information in the electronic money charging process is performed via the relay server device 500. By holding the processing status in the database 520 provided in the relay server device 500, the interrupted electronic money charging process can be automatically recovered with some exceptions.

  Further, by holding the processing status in the memory 120 included in the mobile terminal 100, it is possible to perform the above-described recovery processing by starting from the mobile terminal 100. As a result, the suspended electronic money charge process can be quickly restored by the operation of the mobile terminal 100 without waiting for the operation by the operator on the relay server device 500 side.

[Modification of Second Embodiment]
In the description of the present embodiment so far, it is assumed that the electronic money provider system 400 transmits a value issuance result after issuing a value in response to a value issuance request from the relay server device 500. Some electronic money business operator systems 400 do not have a function of transmitting a value issuance result.

  In this case, for example, at the beginning of processing in the relay server device 500 (for example, before step S303 in FIG. 9), the presence of unreceived value is confirmed with respect to the electronic money business operator system 400, and there is an unreceived value. Can be processed as it is (for example, jump to step S433 in FIG. 10) to cope with interruption of processing after value issuance.

  The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 100 Mobile terminal 120 Memory 200 Network 300 Financial institution system 310 Interface 330 Host computer 400 Electronic money business operator system 500 Relay server apparatus 501 Communication part 503 Control part 505 Conversion part 507 Storage part 520 Database

Claims (10)

A relay server device for charging electronic money,
A mobile terminal that transmits a charge request, a financial institution system that secures funds in response to the charge request, and a communication unit that transmits and receives information to and from an electronic money business operator system that issues a value corresponding to the funds;
A conversion unit that converts part or all of the information transmitted from the communication unit to the financial institution system into a format that can be processed by the financial institution system;
A control unit for controlling the communication unit and the conversion unit;
A relay server device comprising: A storage unit for storing a transaction ID for identifying a series of transmission / reception of the information performed by the communication unit and a processing status corresponding to the transaction ID;
The controller is
The transaction ID is issued in response to an ID issue request received from the mobile terminal via the communication unit, the transaction ID and the processing status are stored in the storage unit, and the transaction ID is set to the communication unit. And when the communication unit performs the series of transmission / reception, the processing status stored in the storage unit is updated,
When the series of transmission / reception is interrupted,
Causing the communication unit to resume the series of transmission and reception based on the restart request and the transaction ID received from the portable terminal via the communication unit, and the transaction ID and the processing status read from the storage unit. The relay server device according to claim 1, wherein:   Transaction ID has been acquired or charge request is being processed as the processing status of the mobile terminal, and transaction ID has been issued as processing status of the relay server device, funds are being secured, funds have been failed, value is being issued, value issuance success or value issuance failure The relay server device according to claim 2, wherein the relay server device manages each of them and changes the transmission / reception restart process according to a combination of the processing states. A system for charging electronic money,
A financial institution system that secures funds in response to charge requests from mobile devices,
An electronic money business operator system that issues a value corresponding to the funds;
A relay server device that transmits / receives information to / from each of the mobile terminal, the financial institution system, and the electronic money business operator system;
Including
The relay server device
A system that converts part or all of the information transmitted from the relay server device to the financial institution system into a format that can be processed by the financial institution system. The relay server device
In response to the issue request received from the mobile terminal, the relay server device issues a transaction ID for identifying a series of transmission / reception of the information performed by the relay server device, and displays the transaction ID and the processing status corresponding to the transaction ID in the relay server device. Stored in the storage unit, and when the transaction ID is transmitted to the mobile terminal and the series of transmission / reception is performed, the processing state is stored in the storage unit, and the series of transmission / reception is interrupted, 5. The series of transmission / reception is resumed based on the resume request and the transaction ID received from the portable terminal, and the transaction ID and the processing status read from the storage unit. system.   The relay server device has a transaction ID acquired or charge request as the processing status of the mobile terminal, a transaction ID has been issued as the processing status of the relay server device, funds are being secured, funds have been failed, value is being issued, value issuance 6. The system according to claim 5, wherein success or value issuance failure is stored respectively, and transmission / reception restart processing is changed according to a combination of these processing statuses. A method for charging electronic money,
A step in which the mobile terminal transmits a charge request to the relay server device;
The relay server device converts the charge request into a fund securing request in a format that can be processed in the financial institution system, and transmits the request to the financial institution system.
The financial institution system secures funds in response to the fund securing request, and sends a fund securing response to the relay server device;
The relay server device, after receiving the fund securing response, sending a value issuance request corresponding to the fund to an electronic money business operator system;
The electronic money business operator system issues a value corresponding to the funds in response to the value issuance request, and transmits a value issuance response to the relay server device;
After the relay server device receives the value issue response, transmits a charge response to the mobile terminal;
A method comprising the steps of: The portable terminal transmitting a request for issuing a transaction ID identifying a series of transmission / reception of information to the relay server device;
The relay server device issues the transaction ID in response to the issue request, stores the transaction ID and the processing status corresponding to the transaction ID in a storage unit provided in the relay server device, and Transmitting the transaction ID to a terminal;
The mobile terminal receives the transaction ID, and stores the transaction ID and a processing status corresponding to the transaction ID in a storage unit provided in the mobile terminal;
Further including
The step of transmitting the charge request by the mobile terminal is executed after the step of storing the transaction ID by the mobile terminal,
In each step, the processing status corresponding to the transaction ID stored in the storage unit provided in the mobile terminal and the storage unit provided in the relay server device is updated,
If any of the above steps are interrupted,
The mobile terminal transmits the series of transmission / reception restart requests and the transaction ID to the relay server device based on the transaction ID and the processing status read from the storage unit provided in the mobile terminal; ,
The relay server device restarting the interrupted step based on the restart request and the transaction ID, and the transaction ID and the processing status read from a storage unit provided in the relay server device; ,
The method according to claim 7, characterized in that is further performed. Transaction ID has been acquired or charge request is being processed as the processing status of the mobile terminal, and transaction ID has been issued as processing status of the relay server device, funds are being secured, funds have been failed, value is being issued, value issuance success or value issuance failure Store each,
The method according to claim 8, wherein the process of restarting transmission / reception is changed in accordance with a combination of these processing conditions. A program for causing a computer provided in a portable terminal to execute electronic money charging processing,
Transmitting a transaction ID issuance request for identifying a series of transmission and reception of information to the relay server device;
Receiving the transaction ID from the relay server device, storing the transaction ID and the processing status corresponding to the transaction ID in a storage unit provided in the mobile terminal;
Transmitting a charge request to the relay server device;
Receiving a charge response from the relay server device;
To the computer,
In each step, the processing status stored in the storage unit is updated,
If any of the above steps are interrupted,
Reading the transaction ID and the processing status from the storage unit;
Transmitting the series of transmission / reception restart requests and the transaction ID to the relay server device based on the transaction ID and the processing status;
Is further executed by the computer.

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