JP2016062280A - Electronic money system and processing method thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To create a new added value of electronic money capable of circulating among users.SOLUTION: Electronic money data includes an identifier unique to the electronic money data, value information as currency value of electronic money, and history information on transactions using the electronic money. The electronic money can be handled as a fixed value type used similarly to real currency and a variable value type used similarly to IC card type electronic money. In history information of electronic money, identifiers of a payer and a recipient are recorded, but the payer or recipient can set disclosure conditions so as to set whether history information thereof is disclosed or not. The history information thereof may include information giving advertisement effect of a logo mark or the like. Further, a system comprises means of maintaining the electronic money data including valuable history information, and the electronic money data itself is an object of transactions.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an electronic money system, and more particularly to a system for handling electronic money history information and a processing method thereof.

  With the spread of electronic money in recent years, various electronic money systems for handling various types of electronic money are known. For example, Patent Document 1 discloses an electronic money storage device that stores and controls a plurality of IC cards in an electronic money transaction system that transmits and receives electronic money between IC cards that hold electronic money. Further, Patent Document 2 discloses an electronic money device including a storage device that can be arbitrarily rewritten and written to a mobile phone device.

  Further, Patent Document 3 discloses a method that contributes to the realization of a global or social purpose such as protection of the global environment using the characteristics of electronic money. Specifically, when an electronic money card is presented on the electronic money interface, the use, time and place of the electronic money card are detected, and the purchase or use of a resource-saving or energy-saving product or service satisfying certain conditions of use. For example, when the use meets the purpose of protecting the global environment or contributing to society, processing for increasing the value of electronic money is executed. An increase in value is to give a discount, to increase the balance, to give points, or to expand the available range of usage rights. The same processing is executed when the environment such as the air conditioning temperature of the user and the behavior such as the moving speed meet the purpose of protecting the global environment.

Japanese Patent Laid-Open No. 10-91739 JP 2000-175268 A JP 2008-282120 A

Kumamoto Gakuen University, "Currency in the 21st Century-Digital Money-Chapter 1 What is Digital Money", [online], [Search July 24, 2014], Internet, <URL = http: //www2.kumagaku.ac .jp / seminar / ~ st-sakai / zemi03 / e110 />

  Electronic money (digital money) is classified into an open loop type and a closed loop type according to a distribution form of electronic data. As described in Non-Patent Document 1, the open loop type is a type in which the used “value” is repeatedly used again for any third party and is circulated one after another. . It is functionally equivalent to “cash” because the exchange of “value” between users can be performed freely without being notified to the issuer, and the privacy of the user can be protected. On the other hand, the closed loop type is a type in which “value” is returned to the issuing institution every time it is used and cannot be reused. For this reason, it is easy for the issuing organization to grasp the usage status of “value”. However, once digital money has not returned to the issuing institution, it cannot be used for another payment, so the cash function of transferability is lost. Compared to the open-loop type, there is an advantage that the issuer can sufficiently perform security checks, but depending on the check method, there is a possibility of infringing on user privacy, which is equivalent to cash. It is hard to say the function of.

  Most of the electronic money currently in circulation is a closed loop type, but various electronic money may appear in the future. For example, the method described in Patent Document 3 described above creates new added value in electronic money that is not found in real currency. Utilizing the characteristics of electronic money, increasing the added value of electronic money itself, that is, "adding new value to money" or "adding new fun to money" will further promote the spread of electronic money It may be a thing.

  Therefore, in the present invention, an electronic money system that creates new added value to electronic money while providing functions equivalent to cash and cards in electronic money that can be distributed between users, with an eye on the future of electronic money The purpose is to provide.

The electronic money system of the present invention provides the following solutions.
An electronic money system that handles electronic money that can be distributed using an electronic money card or a portable terminal having an electronic money function, wherein electronic money data includes a unique identifier of the electronic money data and a monetary value of the electronic money. Value information and transaction history information using the electronic money, and the electronic money system, when performing the transaction using the electronic money, payer identifier and recipient identifier of the electronic money Means for recording the history information in the history information, means for searching for the history information in accordance with the input search condition, and means for disclosing the result of the search.

  The electronic money may be fixed value electronic money in which the value information is fixed, or variable value electronic money in which the value information varies depending on a transaction.

  The electronic money system includes means for setting a disclosure condition for the history information by the payer or the recipient, and includes means for disclosing the history information in accordance with the disclosure condition.

  In addition, the electronic money system includes means for adding information that becomes an advertisement of the payer or the payer to the history information.

  In addition, as a result of searching the electronic money history information, if the electronic money history information used by the user in the past exists in the user's wallet, the electronic money system points to the user's wallet. It is characterized by giving.

  The electronic money system further includes means for maintaining the history information in a storage device even after the electronic money is invalidated.

  The electronic money system processes an electronic money server having an electronic money history information database for storing the history information and a transaction between the electronic money card or a transaction between the electronic money card and the portable terminal. An electronic money transaction device, and when the amount of history information of the electronic money data stored in the electronic money card or the portable terminal exceeds a predetermined limit, from the electronic money transaction device or the portable terminal And a history information storage unit for storing the history information exceeding the limit in the electronic money history information database based on the processing request.

  According to another aspect of the present invention, there is provided an electronic money processing method that can be distributed using an electronic money card or a portable terminal having an electronic money function, wherein the electronic money data is a unique identifier of the electronic money data. And an electronic money server that processes the electronic money transaction includes: value information that is a monetary value of the electronic money; and transaction history information that uses the electronic money. A step of recording an identifier of a payer and a recipient of the electronic money in the history information, a step of searching the history information of the electronic money data according to an inputted search condition, and a result of the search And a step of browsing the electronic money.

  An object of the present invention is to provide an electronic money system that creates new added value to electronic money while providing functions equivalent to cash and cards in electronic money that can be distributed among users. .

It is a figure which shows the image of the electronic money wallet which concerns on embodiment of this invention. It is a figure for demonstrating the difference between fixed value type and variable value type electronic money concerning an embodiment of the present invention. It is a figure for demonstrating inheritance of the historical information of the variable value type electronic money which concerns on embodiment of this invention. It is the figure which imaged distribution of electronic money concerning an embodiment of the present invention. It is a figure which shows the function structure of the electronic money system which concerns on 1st embodiment of this invention. It is a figure which shows the function structure of the electronic money system which concerns on 2nd embodiment of this invention. It is a figure which shows the main flow of the handling process of the electronic money which concerns on embodiment of this invention. It is a figure which shows the value transfer process of the electronic money which concerns on embodiment of this invention. It is a figure which shows the value integration process of the electronic money which concerns on embodiment of this invention. It is a figure which shows an example of the history information search screen of the electronic money which concerns on embodiment of this invention. It is a figure which shows an example of the standby notification screen of the electronic money which concerns on embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the subsequent drawings, the same numbers or symbols are assigned to the same elements throughout the description of the embodiments. In the functional configuration diagram, an arrow between functional blocks represents a data flow direction or a process flow direction. In the process flow diagram (flowchart), the processing order of each step may be changed as long as the relationship between the input and output of each step is not impaired.

(Electronic money wallet)
FIG. 1 is a diagram illustrating an image of an electronic money wallet (electronic wallet) according to an embodiment of the present invention. The electronic money handled by the electronic money system (hereinafter referred to as the present system) in the embodiment of the present invention is basically open-loop electronic money that can be distributed between users. The money data is given a unique identifier of the electronic money data itself at the time of issuance, and value information (money value) of the electronic money and transaction history information are added to each identifier. That is, together with the monetary value of the electronic money itself, transaction information (distribution channel) of the electronic money after the electronic money is issued is recorded as history information in the electronic money data. This record will continue as long as electronic money is in circulation. Therefore, it can be said that the electronic money of this system has a closed-loop character in the sense that usage can be traced, but it can be said to have an open-loop character in terms of distribution.

  Hereinafter, the electronic money of this system will be described. The electronic money handled by this system has a fixed value type and a variable value type. Fixed-value type electronic money is a type that can be transferred to another person without changing the value (value) determined at the time of issuance until the electronic money disappears, like actual banknotes and coins. That is, it is a type whose value is fixed. The transaction is completed simply by transferring the electronic money data having “value” from the payer to the recipient. However, when “fishing” is required, cash or electronic money having a value corresponding to fishing is received. In addition, the monetary value of fixed value electronic money may be set to 1 yen as the minimum unit in accordance with the actual currency unit. That is, in this system, transaction information can be tracked in units of 1 yen.

  On the other hand, the variable value type electronic money is a type in which the value (balance) determined at the time of issuance fluctuates in the course of the transaction, and is close to the chargeable IC card type electronic money that is currently popular. It is. The value of variable value electronic money varies from 0 yen to a predetermined upper limit. That is, if the money is withdrawn using electronic money, the value is decreased by the amount paid, and conversely, if the payment is received or the charge is made, the value is increased. Therefore, you will not receive “change”.

  The electronic money wallet stores one or more pieces of electronic money data held by the user, and there are a fixed value type electronic money wallet and a variable value type electronic money wallet depending on the stored electronic money. For example, in the fixed value type electronic money wallet illustrated in FIG. 1, 10,000 yen and 5,000 yen are “2”, “5” 1,000 yen, and 500 and 100 yen are “2”, 50 yen, Since 10 yen, 5 yen, and 1 yen are stored in the wallet, the wallet owner has a total of 36,398 yen. In addition, in principle, only one variable value type electronic money is stored in the variable value type electronic money wallet. In the example shown in the figure, the owner of this wallet has 12,345 yen which is the balance of electronic money. Since one person can have multiple wallets, one can be used as a fixed value type and the other as a variable value type. Of course, unlike a real wallet, you can have as many wallets as you like.

  Note that the value of fixed-value electronic money does not necessarily match the actual monetary unit. For example, “100,000 yen bills” and “50,000 yen bills” for high-value transactions, and automatic “Coins” such as “150 yen coins” and “130 yen coins” for small fixed transactions that are frequently used in vending machines can be freely generated.

  In addition, although not described in this specification, an electronic money wallet is stored on a system with strong security, and only users who have received a predetermined personal authentication are allowed to spend, receive and value balance of electronic money. You can browse. Needless to say, the electronic money data itself is also encrypted to prevent falsification and forgery.

  FIG. 2 is a diagram for explaining the difference between fixed value type and variable type electronic money. FIG. 2A shows a specific example of fixed value type electronic money data, and FIG. 2B shows a specific example of variable value type electronic money data. In both cases, the electronic money data has the only “electronic money ID” in the world as an identifier, and includes “electronic money type”, “value information”, and “history information”. “Electronic money type” is information indicating whether it is a fixed value type or a variable value type, and “Value information” is information indicating the monetary value of this electronic money. This is the current balance (see FIG. 2B). Since only one variable value type electronic money can exist in one wallet, the electronic money ID of the variable value type electronic money matches the wallet ID. Accordingly, the history information of the electronic money data also matches the history information of the wallet.

  “History information” is recorded from the time when electronic money is generated, and for both electronic money types, “transaction date / time”, “transaction act”, “transaction content”, “payer identifier”, and “recipient identifier” Is recorded for each transaction (see FIG. 2A). In addition to the above items, “transaction amount” and “balance” that is a value after the transaction are added to the variable value type history information (see FIG. 2B). “Transaction date and time” is the date and time when a transaction was made with electronic money, and “transaction act” is the usage (use purpose) of electronic money. The “transactions” are the main ones and are “issue”, “transfer”, “exchange”, “payment”, “payment”, and “invalidation”.

  “Issuance” is an act of “purchasing” electronic money with cash or a credit card, and means generation (birth) of electronic money. When electronic money is issued, an electronic money ID is given.

  “Transfer” is an act of transferring electronic money to another user. “Donations”, “donations” and “gifts” correspond to this. However, with fixed-value electronic money, the purchase action involves the transfer of electronic money. Since this is a buying and selling action, the purchase of goods and services (hereinafter referred to as goods, etc.) is included in “Payment” described later. Shall.

  “Exchange” is an act of exchanging electronic money for other equivalent electronic money. In fixed value electronic money, it is the same concept as real money “exchange”. That is, the act of breaking a large amount of money into a small amount of money or vice versa. It is also desirable to be able to exchange electronic money in other countries' currencies. The exchange from the fixed value type to the variable unit type or vice versa is also included in the “exchange”. However, in variable value type electronic money, the value constantly fluctuates, so there is no concept of “breaking money”.

  “Payment” is an act of transferring electronic money as a price for a product or the like. In “payment”, the name of the purchased product and other accompanying information are recorded as “transaction content” as much as possible. “Payment” includes “tax”, “gift”, “buy / sell securities”, “debt”, “repayment”, as well as “purchase” of general products, etc. And the like.

  In the “payers” and “recipients” of the history information, identifiers of those who have paid with electronic money and those who have received electronic money (more precisely, the ID of the recipient's wallet or the ID of the recipient's wallet) To be recorded. Since the owner can be identified from the wallet ID, in the following figures, “payer” and “recipient” are indicated by their names (abbreviated names) for easy understanding. Here, when the wallet owner is an individual, the name is normally not disclosed, but may be disclosed at the request of the individual. In FIG. 2A, the user who has made the wallet private is displayed as “■■■■”.

  In addition, when the wallet owner is a corporation, the name is normally disclosed, but may be undisclosed at the request of the corporation. In other words, the wallet owner can choose to disclose or not disclose his / her wallet regardless of whether he / she is an individual or corporation, but the default value is private for the individual and public for the corporation. is there. In addition, both individuals and corporations can set whether or not to disclose the wallet and, when disclosing, the disclosure conditions that define the conditions. For example, it is possible to set not to disclose when the amount is equal to or less than a predetermined amount or not to disclose a transaction of a specific product.

  In principle, all transaction information is recorded in the electronic money history information, but not all history information can be viewed. Personal names and other privacy-related histories are basically private.

  “Payment” is an action indicating that payment has been received by electronic money, and corresponds to the action of “payment” viewed from the “recipient”. In the variable value type electronic money, “deposit” includes deposit from an automatic charging machine or the like, that is, “charge”.

  “Invalidation” is an act of returning electronic money to real money (cashing), and at the same time, invalidating electronic money data and extinguishing electronic money. However, when electronic money is invalidated, the monetary value becomes zero, but history information is left at least for a certain period.

  As will be described later, since the history information itself may be valuable, in this system, in such a case, the electronic money is “preserved” and the history information recorded in the electronic money is semi-permanently stored. Can be stored. For this maintenance procedure, the electronic money issuer (issuing organization) may collect a fee from the person who requested the maintenance. In addition, the electronic money itself including valuable history information that can be preserved can be dealt with. In other words, it disappears, is invalidated, and can give new value to valueless electronic money.

  Furthermore, as a unique process of this system, the concept of “division” and “integration” of electronic money is provided. “Dividing” means exchanging one electronic money for two or more other electronic money. “Integration” is to exchange two or more electronic money for one electronic money. In the fixed value type electronic money, “division” and “integration” are synonymous with “exchange” (exchange), but the variable type electronic money will be described later.

  FIG. 3 is a diagram for explaining inheritance of history information of variable value type electronic money data. In this example, it is assumed that “Taro” subscribes to the electronic money system and charges a newly issued wallet 80A for 1,000 yen. After that, if you purchase 1 cigarette at “D convenience store” for 500 yen, the balance of wallet 80A will be 500 yen. At this time, history information 801 is recorded in the wallet 80A. Since “Taro” can continue to purchase using the same wallet, the history information continues to increase. This is different from the case where the entire balance is used for the payment of two cigarettes as shown in FIG. In the case of FIG. 2B, it is considered that the entire wallet has been transferred, but in the case of FIG. 3A, it is considered that the balance is left and only a part of the wallet is transferred.

  On the other hand, assuming that the wallet of the “D convenience store” on the paying side is 80D, the history information 801 from generation to donation of “Taro” in the wallet 80A is passed on to the wallet 80C. However, the balance of the wallet 80A and the history information after the purchase of cigarettes are not inherited.

  On the other hand, if “Hanako” generates a wallet 80B, pays “Jiro” 1,000 yen as a lunch fee, and “Jiro” purchases a cake for 700 yen at the same “D convenience store”. The history information 802 from the generation in the wallet 80B of “Jiro” to the payment of 1,000 yen to “Jiro” is once passed on to the wallet of “Jiro”, and then when “Jiro” raises funds, the wallet of “D convenience store” Inherited. Also, history information 803 from “Jiro” 's latest charge to cake purchase is passed on to the “D convenience store” wallet 80D. In this example, it is not possible to distinguish whether 700 yen paid by Jiro from the previous charge of 2,000 yen or from the 1,000 yen payment from Hanako. Think of it as paid. In addition, it is not necessary to inherit the old history before the deposit. This is because it is considered that there is no connection with the deposit from “Hanako”.

  Although not shown here, the wallet history information of the user who has made the wallet private is also taken over. However, the name of the user in that case is not displayed.

  Regardless of whether the wallet is public or non-public, history information shall be passed on to the recipient's wallet. Actually, the history information is not copied to the recipient's wallet, but is only associated with the history information ID. However, even if the wallet is not open to the public, its history information data itself exists, so in the case of unauthorized use or crime, it can be disclosed to the investigating authorities.

  Thus, even in the case of variable value type electronic money, the history of electronic money can be recorded by the history information of the wallet. Although electronic money will not disappear even if the balance becomes zero as in the state shown in history information 804, the electronic money can be invalidated (disappeared) if requested by the owner. . Of course, invalidation is possible even if the balance remains. The balance at that time shall be settled in cash. However, even if the history information is invalidated, the history information is not immediately erased, and valuable history information can generate new value by performing the maintenance process as described above.

  FIG. 4 is a diagram illustrating the distribution of electronic money. In this figure, there is a possibility that a fixed-value type electronic money of 500 yen paid by individual A to person B will turn around and return to person A's hand (person A's wallet) someday. It is shown that. If electronic money you used in the past returns for years, you may feel strange. When electronic money returns to your wallet, it is interesting that the issuing organization of the electronic money gives points as a memorial.

  In principle, all transaction information is recorded in the history information of electronic money, but as described above, not all history information can be viewed. In addition, personal names and other history related to privacy are basically private. However, even an individual, such as a celebrity such as an entertainer, may feel a merit in making electronic money history information public in order to promote his name. That is, as described above, the history information disclosure condition can be set according to the user's request. The same applies to corporations, and it is possible to actively disclose information about the company in the history information of electronic money for advertisements and the like.

  The example of the history information of electronic money in FIG. 4 shows a case where a name or the like that can identify an individual is not disclosed but a corporate name or the like is disclosed except for a part. Subscribers of this electronic money system can browse electronic money history information on dedicated browsing software or the official homepage of the electronic money system. In this browsing, an individual is usually displayed as “individual” or “■■■■”. However, in the example of FIG. 4, since the individual C is an entertainer, it indicates that his / her own name (entertainment name) has been announced. Even if the information of the user is disclosed, the information to be disclosed does not have to be a full name, and only the business type such as “Dankakuya” may be disclosed. In addition, simple figures such as logo marks may be added for advertising purposes. The issuer of electronic money can collect advertising fees from here. You may decide an advertising fee according to the number of browsing. Of course, in the history information, an identifier that can identify an individual is recorded, but it is not disclosed to the public except in the case of criminal investigation by a public institution.

  With regard to the history information of electronic money, for every time electronic money is used, that is, every time electronic money is transferred from a payer to a recipient, from whom, to whom, when, where, for what Record transaction information about crossings. Of course, not all transaction information can be recorded, but such transaction information continues to increase as long as the electronic money is distributed. Big data technology is used to the maximum for handling such huge amounts of data. However, in order to avoid an infinite increase in data, there is a lower limit on the value of transactions that hold history (transaction amount) (for example, a history of transactions with a small amount such as less than 1,000 yen is not held) For example, history information that has passed 2 to 3 years) may be deleted or stored in another database, except for cases involving criminal investigations. Further, electronic money whose data amount has become too large may be handled as “life”, and electronic money whose life has expired may be “collected” once.

  This system requires technologies for preventing counterfeiting of electronic money and privacy protection of history information. However, these technologies use the best known technologies when implementing this system, and are not covered in this specification. I will do it.

(Functional configuration of the first embodiment)

  FIG. 5 is a diagram showing a functional configuration of the electronic money system according to the first embodiment of the present invention. The electronic money system of the present embodiment is a system that handles the above-described electronic money data. As shown in the figure, an electronic money wallet 80 and electronic money data 90 are stored in the electronic money server 100 for each user. A money wallet DB 101 is provided. The electronic money server 100 includes a transaction information acquisition unit 102 that acquires transaction information between users of electronic money, and a settlement unit that performs settlement with the financial institution system 40 when electronic money is purchased or returned to cash (cashing). 103, transaction execution means 110 for executing various transactions and processes of electronic money, history information search means 104 for searching history information of electronic money stored in the electronic money wallet DB 101, and using the searched history information History information notifying means 105 for notifying in response to a user's request and history information maintaining means 106 for maintaining the history information semi-permanently.

  The transaction execution unit 110 further includes an electronic money issuing unit 111, a value transfer unit 112, a value dividing unit 113, a value integration unit, a value exchange unit 115, and an electronic money invalidation unit 116.

  2 and 3, the electronic money data 90 is schematically shown as one data structure, but information other than the electronic money ID and value or value balance (record of change of value information and transaction history information). May be stored in a separate database associated with the electronic money ID. This system is operated by an industry group composed of government, local government agencies, financial institutions, partners, etc. in addition to the electronic money issuer.

  The transaction information acquisition means 102 acquires transaction information between users of electronic money via the electronic money transaction apparatus 30 and / or the user's electronic money portable terminal 20. The electronic money transaction apparatus 30 is typically an apparatus installed in a POS terminal or the like of a store, and is a card reader / writer that reads and writes necessary information about the electronic money with the electronic money card 10 or the electronic money portable terminal 20 using the terminal. is there.

  When a user uses electronic money, the electronic money card 10 (hereinafter may be simply referred to as “card”) or the electronic money portable terminal 20 (hereinafter simply referred to as “mobile terminal”) having an electronic money function may be used. ). For example, when shopping using the electronic money card 10, the user pays for the merchandise by placing the card in an electronic money transaction apparatus 30 (hereinafter simply referred to as “transaction apparatus”) at the cash register.

  At this time, the electronic money transaction apparatus 30 has means for communicating with the electronic money card 10, the electronic money portable terminal 20, and the electronic money server 100, reads card information from the card or the portable terminal, Transaction information including the identifier, payer identifier, recipient identifier, transaction amount, and transaction device identifier is transmitted to the transaction information acquisition means 102. This is basically the same when a user purchases a product or service (hereinafter, product etc.) using a mobile terminal. Also, in the case of individual-to-person transactions, payment and receipt with electronic money between both portable terminals, that is, transfer of value is possible. In this case, both the payer and the recipient's mobile terminals communicate transaction information to the electronic money server 100 by directly communicating with the transaction information acquisition means 102 via the Internet. In any case, the transaction information acquisition means 102 confirms the identifiers (user IDs) of the payers and the recipients and their authentication information, and if it is confirmed that the user is a registered user of this system, the delivery of electronic money and others In order to execute the above process, the process is delivered to the transaction execution unit 110. If the card has a communication function and a user interface function, a part of the transaction can be performed between the cards.

  The history information search unit 104 searches the electronic money wallet database 101 in response to a request from the user, and transmits search result data to the user. At this time, the user can search the history information using various search conditions.

  The history information notifying means 105 provides a function of notifying the user of electronic money history information in a “predetermined range” under a “predetermined condition” in response to a user's request. The history information search means 104 is used to specify the history information to be notified.

  The history information maintenance means 106 is a process called in response to a request from a user or a third party when it is desired to maintain history information semipermanently. The history information of electronic money is provided with a certain period (lifetime) (for example, 5 to 10 years) in order to avoid an infinite increase in the amount of data. The recorded history information is transferred to another maintenance database and can be stored semipermanently. The history information maintenance means 106 can also be used for crime evidence maintenance.

  The transaction execution unit 110 performs processing on the electronic money issuing unit 111, the value transfer unit 112, the value dividing unit 113, the value integration unit 114, the value exchange unit 115, and the electronic money invalidation unit 116 according to the transaction act and transaction content. Divided.

  When the user newly purchases electronic money, the electronic money issuing means 111 is called, and the payment means 103 communicates with the financial institution system 40 for payment procedure of the purchase price at that time and makes a payment. Electronic money is purchased by debit card, credit card, net banking, etc., in addition to cash (when a transaction device can be handled).

  The electronic money issuing unit 111 requests user registration when the user purchases electronic money for the first time, and generates a new wallet ID when registration is completed. In the case of an existing user, the already generated wallet ID is read out. Then, when it is confirmed that the payment for the purchase of new electronic money has been made normally, an electronic money ID is generated, and electronic money having an amount corresponding to the purchase amount recorded in the value information is issued and used. Stored in the user's wallet.

  When purchasing electronic money, the user can specify the type of electronic money to be purchased. In the variable value type electronic money, one electronic money ID that is the same as the purchase amount is issued, but in the fixed value type electronic money, it is also possible to designate the “denomination” of the electronic money. For example, if the purchase price is 50,000 yen, you may designate 1 “sheet” of electronic money of 50,000 yen, 5 “sheets” of 10,000 yen electronic money, or 50 “sheets” of 1,000 yen electronic money. And so on.

  The value transfer means 112 is a process called when paying with electronic money, that is, when transferring the value corresponding to the payment amount from the electronic money in the payer's electronic money wallet to the recipient's wallet. In the fixed value type, the electronic money data itself is moved from the payer to the recipient's wallet like real money. In the variable value type, the payment amount is subtracted from the value balance of the payer's electronic money, and the payment amount is added to the value balance of the receiver's electronic money.

  The value dividing means 113 is a process called when “dividing” one electronic money into two or more. In the fixed unit type money, “division” corresponds to real money exchange, but in the variable unit type, it is somewhat complicated. For example, suppose that a user has 50,000 yen of variable-value electronic money, 47,000 yen of which will be used to purchase electrical appliances, and the remaining 3,000 yen will be raised. In this case, 50,000 yen of electronic money can be divided into 47,000 yen and 3,000 yen in advance. This division can also be performed at the time of payment for products or the like to be purchased first. For example, if you purchase an electrical appliance for 47,000 yen first, electronic money for 50,000 to 47,000 yen will be divided and moved to a consumer electronics store, and the remaining 3,000 yen for electronic money will be divided and remain at hand. become. Each divided electronic money is given a new identifier, a history of division is recorded, and history information before division is taken over in principle. Whether to divide or not is determined according to the user's request.

  Of course, if the recipient (in this case, home electronics store and fundraiser) has variable-value type electronic money, it is possible to make a purchase without such a split (this is more common) Is). In the case of the variable value type, as described above, the amount of payment is reduced from the value balance of the payer's electronic money, and the amount of payment is simply added to the value balance of the recipient's electronic money.

  If there is no split, in the above case, when the donation for 3,000 yen is completed, variable value-type electronic money with zero value will remain in the payer's wallet. The electronic money can be used again. In the case of division, electronic money before division is invalidated (disappeared). This is to avoid an unlimited increase in data. It is left to the user to decide whether or not to divide.

  As described above, the value integration unit 114 is a process called when “integrating” two or more electronic moneys into one. In the case of fixed value type electronic money, it corresponds to real money exchange, but the variable unit type is somewhat complicated. For example, if a recipient who has received payments with multiple electronic money uses the received electronic money to make a payment to another recipient, or if you want to avoid paying with multiple electronic money The payment procedure can be simplified by integrating the plurality of electronic money into one in advance. Each integrated electronic money is given a new identifier, and an integration history is recorded. Further, the history information of the electronic money before the integration is taken over by the electronic money after the integration in principle, and the electronic money before the integration is invalidated (disappeared). By providing the integration means in this manner, particularly in the fixed unit type, when the number of electronic money stored in the wallet is excessive, the number can be reduced, so that management of electronic money becomes easy. It is up to the user to decide whether or not to integrate.

  The value exchange means 115 is a process called when it is desired to exchange the value of electronic money with the value of other electronic money. For example, the currency of electronic money can be exchanged for currency of another country at a predetermined exchange rate, or fixed value electronic money can be converted to variable value electronic money or vice versa. The value exchanging means may be provided with a point giving means for giving points as a privilege to the user, or a point exchanging means for exchanging the given points with electronic money at a predetermined rate.

  Although illustration is omitted, when electronic money returns to its wallet, that is, as a result of searching electronic money history information in its wallet, there is history information of electronic money that it has used in the past. In this case, the wallet may be provided with means for giving points as a memorial from an electronic money issuing organization. In this case, the points may be determined according to a period required until the electronic money returns.

  The electronic money invalidation means 116 is a process called when it is desired to invalidate (disappear) electronic money. When the value of electronic money is converted into cash, electronic money invalidation means 116 is called, and the electronic money is automatically invalidated. The electronic money invalidation means 116 is also used when it is desired to organize electronic money that is not scheduled to be used in the future. However, it is desirable that the history information of electronic money is not immediately deleted even if invalidated, but is retained for a predetermined period in preparation for tracking crimes and unauthorized use.

  The history information search means 104, the history information notification means 105, and the history information maintenance means 106 can be accessed from an official homepage or the like without going through the transaction information acquisition means 102.

(Functional configuration of the second embodiment)
FIG. 6 is a diagram showing a functional configuration of the electronic money system according to the second embodiment of the present invention. In the electronic money system according to the first embodiment, the user's wallet and electronic money data are stored in the electronic money server 100. However, in the electronic money system according to the second embodiment, the data is concentrated on one pole. In order to avoid this, the wallet and the electronic money data are stored on the electronic money card 10A (hereinafter simply referred to as a card) side or the electronic money portable terminal 20A (hereinafter simply referred to as a terminal) side. Below, only a different part from the function structure of 1st embodiment of FIG. 2 is demonstrated.

  As in the first embodiment, processing that can be performed only by the server, such as issuance or invalidation of electronic money, is performed by the electronic money server 100A (hereinafter simply referred to as a server). (Value transfer) can be performed between a card or a terminal and an electronic money transaction apparatus 30A (hereinafter simply referred to as a transaction apparatus) or between terminals. Therefore, in 2nd embodiment, the value transfer means is provided in the transaction apparatus side and the terminal side. Wallet browsing means 118 for browsing data in the wallet of the card or terminal is also provided on the transaction apparatus side and the terminal side. Therefore, the history information can also be viewed.

  Since a card usually does not have a user interface function or a network connection function, value transfer between cards or value transfer between a card and a terminal is performed through a transaction apparatus. The transaction device accesses the server only when a need arises. In the second embodiment, the server side intervention in the electronic money transaction can be minimized by doing in this way.

  Further, it is assumed that only one wallet can be stored on the card side. Therefore, the wallet ID matches the card ID. On the other hand, a plurality of wallets can be stored on the terminal side. Therefore, it is possible to use different wallets according to the purpose. The card or terminal wallet can store either fixed-value type electronic money or variable-value type electronic money, but the number of electronic money that can be stored in a single wallet due to the limited storage capacity of the card or terminal Limits may be placed on the amount. Moreover, the history information of the electronic money stored on the card side or the terminal side limits the storage period or the storage amount due to the same restrictions. For example, when history information is stored on the card side, the storage period is a maximum of 6 months and the storage amount is a maximum of 1 GB. However, when saving on the terminal side, the restriction may be more relaxed.

  The history information that exceeds the limit is not erased sequentially, but is preferably transferred automatically or semi-automatically to a large-capacity database on the server side and stored for at least a certain period. Of course, the history information stored in the server can be browsed. Even if the fixed period has passed, the electronic money information is stored semi-permanently if the above-described maintenance procedure is performed.

  As described above, in the second embodiment, what cannot be processed only with a card, a terminal, or a transaction apparatus can be processed on the server side by transmitting a processing request to the server. Therefore, the terminal and the transaction apparatus are provided with processing request transmission means 119 for the server. Functions processed on the server side include issuance and invalidation of electronic money, storage of history information exceeding the limit on the card and terminal side, maintenance processing of history information, division, integration, and exchange of electronic money. In the case of fixed-value electronic money, some of the above processing may be performed on the terminal or transaction device side.

  Further, on the server side, in order to respond to a processing request from a terminal or a transaction apparatus, a processing request receiving unit 202 that receives a processing request performed by the server, and a processing request execution that executes a necessary processing based on the processing request Means 210 are included. The processing request execution means 210 includes history information storage means 211 for storing history information exceeding the limit of the card or terminal in the electronic money history information database 201 and other means as shown in the figure. The history information search unit 104, the history information notification unit 105, and the history information maintenance unit 106 can be accessed from an official homepage or the like without using the processing request reception unit 202.

  As a method for classifying electronic money, there are two types: a network type in which dedicated software is installed on the computer side and payment is made via the Internet, and an IC card type in which the value of electronic money recorded on the card side is added and subtracted. However, the systems of the first and second embodiments of the present invention are not suitable for such a classification method, and are so-called hybrid types.

  The above-described functional configuration of the electronic money system is merely an example, and one functional block (database and function processing unit) may be divided, or a plurality of functional blocks may be configured as one functional block. . Each function processing unit reads a computer program stored in a storage device such as a ROM (Read Only Memory), flash memory, SSD (Solid State Drive), or hard disk by a CPU (Central Processing Unit) built in the device This is realized by a computer program executed by the CPU. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

(Processing flow)
Hereinafter, processing in the electronic money system will be described in more detail. Since the processing flow is substantially the same in the first and second embodiments, the first embodiment will be described below unless otherwise specified.

  FIG. 7 is a diagram showing a main flow of electronic money handling processing. In step S11, the electronic money server 100 first acquires transaction information of electronic money between users (both wallet ID, electronic money ID, transaction content, transaction amount, etc.). The electronic money transaction is performed when the electronic money card 10 or the electronic money portable terminal 20 is paid to the electronic money transaction apparatus 30 as well as the electronic money transaction apparatus 30. It can also be established by communicating with the short-range wireless communication of the terminal without going through.

  Next, in step S12, the electronic money server 100 checks whether the transaction act included in the acquired transaction information is a new issue of electronic money. If it is a new issue, the process proceeds to step S13, where value settlement processing, that is, processing for payment settlement of electronic money upon receipt of payment in cash or the like corresponding to the value of electronic money is performed. If the settlement is completed (step S14: Y), an electronic money ID is generated and the electronic money data is stored in the user's wallet. If the payment is not normally completed (step S14: N), the process is terminated as it is.

  If the electronic money is not newly issued (step S12: N), it is checked in step S16 whether or not the existing electronic money is invalidated. In the case of invalidation, there are cases such as cashing electronic money, merging multiple electronic money and extinguishing the original electronic money, or if you do not want to distribute electronic money any more for some reason. It is done. In the case of invalidation (step S16: Y), the process proceeds to step S17, the electronic money value balance is cashed, and if the cashing is completed (step S18: Y), the electronic money data is invalidated in step S19. . Specifically, an invalid flag is set in the electronic money ID, and the date and time of invalidation is recorded.

  If it is neither new issue nor invalidation, the process proceeds to step S20, and electronic money value transfer processing is performed. That is, the value of electronic money corresponding to the transaction amount is transferred from the payment source to the reception destination. The value transfer process will be described in more detail with reference to FIG.

  When the value transfer process is completed, finally, in step S21, the payment source information, the recipient information, the transaction action, and the transaction content are recorded in the electronic money history information of each of the payer and the receiver together with the transaction date and time. Exit. At this time, if it is necessary to take over the history, the information is copied. In the second embodiment, the value transfer process and the history information recording process can be performed on the card or terminal user side or transaction apparatus side.

  FIG. 8 is a diagram showing electronic money value transfer processing. This figure is a breakdown of step S20 in the previous figure.

  In the value transfer process of electronic money, first, in step S201, payment source and destination wallets are extracted from transaction information. Next, in step S202, it is checked whether the electronic money is a variable value type. If it is a fixed value type, the process moves to step S203, and all of the electronic money data is transferred from the payment source wallet to the destination wallet. If it is a variable value type, it will move to step S204 and will extract payment value (transaction amount) from transaction information. In step S205, it is checked whether the payment source electronic money needs to be divided or integrated. Whether or not division or integration is necessary shall be included in the transaction information. When division or integration is not required (step S205: N), the value transfer process in step S206, that is, the payment value is subtracted from the value of the payment source electronic money, and the payment value is added to the value balance of the destination electronic money. Process to add minutes.

  If division or integration is necessary (step S205: Y), the process proceeds to step S207, and it is further checked whether or not the payment value exceeds the value of the payment source electronic money (wallet balance). If it exceeds the value (step S207: Y), it will be the target of the integration process, and the process proceeds to the value integration process of step S220. The integration process will be described with reference to FIG.

  If the payment value does not exceed the balance value of the payment source electronic money (step S207: N), the payment source electronic money is divided in step S208. For example, if the value of electronic money is 50,000 yen and the payment value is 47,000 yen, the original electronic money is divided into two parts, 47,000 yen and the remaining 3,000 yen. In step S209, one of the divided electronic moneys is used as a payment source, and a value transfer process is performed in the same manner as in the process of S206. The remaining 3,000 yen of electronic money can then be used for another payment.

  When the value transfer process in step S206 or step S209 is completed, the process proceeds to step S210, and the history information of the payment source electronic money is taken over by the history information of the destination electronic money.

  FIG. 9 is a diagram showing value integration processing of electronic money. This figure is a breakdown of step S220 in the previous figure. In the value integration process, first, in step S221, it is checked whether the electronic money before integration is a fixed value type or a variable value type. In the case of the fixed value type, the process proceeds to step S222, and the selected electronic money data in the wallet is integrated (exchanged). In the case of the variable value type, the process moves to step S223, and it is confirmed whether or not to integrate with another wallet of the payer. Information for this confirmation is included in the transaction information. If it is not possible to confirm the integration (step S223: N), the process returns to the caller without doing anything. In this case, since no electronic money processing is performed, no history information is recorded (step S21 in FIG. 7). Needless to say, fixed value type electronic money and variable value type electronic money cannot be integrated.

  When integration is performed (step S223: Y), in step S224, electronic money data is extracted from another wallet of the payer, and integration is attempted. Then, it confirms whether the total value of the wallet after integration is equal to or greater than the payment value. If the payment value is not greater than or equal to the payment value (step S225: N), the process returns to S223 to confirm whether or not to integrate with another wallet. If this step is repeated and the total value of the integrated wallet is equal to or greater than the payment value (step S223: Y), the integration is actually executed in step S226, and the value is transferred using the integrated wallet as the payment source. Process. After the value transfer process is completed, the history takeover process in step S227 is performed, and the process returns to the main process.

  The main process performed by the electronic money server 100 includes other processes (history information storage, history information search, history information maintenance, etc.). However, since it is obvious from the above description, it will be described here. Is omitted.

(History information search screen example)
FIG. 10 is a diagram illustrating an example of an electronic money history information search screen. The user of this electronic money system can view the history information of electronic money in his wallet at any time. For this purpose, a dedicated application is activated on the electronic money portable terminal 20 or a PC owned by the electronic money portable terminal 20 and the electronic money data of the electronic money card 10 or the wallet in the electronic money portable terminal 20 is read by the card information reading means. put out.

  Then, the dedicated application reads all the history information of the electronic money data in the wallet in the electronic money card 10 or the electronic money portable terminal 20 and displays it on the screen of the terminal or PC. If there is a large amount of data to be displayed, search conditions, display conditions, and the like may be input from the terminal. As a result of the search, you may be surprised to find unexpected history information in the electronic money data in your wallet.

  Of course, the search target for the history information of electronic money is not limited to the user's wallet. If the electronic money card 10 of a friend or the like is put on his / her portable terminal and authorized work such as login is performed, the history information can also be searched. In addition, the history of all electronic money stored in the electronic money history information DB 201 can be searched using the history information search means 104 of the electronic money server 100 described above. Since this search is enormous, we use big data search technology.

  When searching history information on the server side, a search keyword is input from a search condition input screen 500 as shown in the figure, and electronic money type, value of electronic money (in the case of fixed value type electronic money), and history information It is only necessary to input search conditions such as a search period and press the search button. Then, the search result is displayed on the search result screen 510 as illustrated. In the example shown in the figure, the history information of electronic money used by two famous idols is displayed as a search result, and the celebrity fan is surprised.

  What is displayed here is only electronic money data, which is essentially valueless, but if technology that makes it impossible to forge or tamper electronic money data is adopted, Electronic money is guaranteed to be the only data in the world. This is very valuable for such fans.

  I don't know where this electronic money is now because the current owner displayed at the bottom of the history information is not disclosed, but if this electronic money was in my wallet, The electronic money can be invalidated (distribution stopped), and the above-described maintenance process can be performed (charged) to leave the electronic money history information semi-permanently. If the owner is found, or if this electronic money is handed over to the owner who has released the history information, it is not impossible to negotiate with the owner and give it away. And there is a possibility that such electronic money data is traded between fans and premier is added. In addition, there is a way to enjoy history information by searching for rare information. That is, the electronic money history information can create new added value of electronic money, that is, a value that makes people entertain and an economic value.

(Example of standby notification screen)
FIG. 11 is a view showing an example of an electronic money standby notification screen according to the embodiment of the present invention. “Standby notification” refers to a function for receiving a payment notification when a user enters “specific electronic money” in his / her wallet. “Specific electronic money” refers to electronic money designated to be notified to the user when the electronic money history information or the electronic money type matches a pre-designated condition and is deposited into its own wallet. For example, electronic money with historical information used by celebrities, electronic money generated on specific anniversaries, and any special benefits (such as extra points or value) that are issued as campaigns and used for specific locations or purposes within the expiration date There are electronic money etc. It goes without saying that specific electronic money is also subject to transactions, like commemorative banknotes and commemorative coins of real money. The standby notification screen is a screen for the user to specify specific electronic money conditions in advance and receive notification when the electronic money enters his / her wallet. This screen is not for actively searching for electronic money history information as shown in FIG. 10, but for waiting for a specific electronic money to be received and receiving a notification when the money is received. .

  FIG. 11 shows an example of a standby notification screen for notifying that the specific electronic money is electronic money with a campaign and that the electronic money has entered its own wallet. It is assumed that the user designates specific electronic money with a campaign as a standby condition (notification condition). The specific electronic money is not only notified, but is stored in another location in the wallet (storage wallet). Therefore, the specific electronic money that has been obtained is used for payment without explicitly instructing it to leave the wallet.

(Effect of embodiment)
As described above, according to the embodiments of the present invention, an electronic money system that creates new added value to electronic money while providing functions equivalent to cash and cards in electronic money that can be distributed between users is provided. be able to. The electronic money can be selected from a fixed value type that can be used in the same sense as real money, or a variable value type that can be used in the same sense as the electronic money of IC cards that are already widely used.

  In this system, since the electronic money data itself has historical information, the user can access the card or mobile terminal in which the wallet containing the electronic money is stored and view the historical information at any time. Can do. Also, electronic money that is not in its own wallet can be searched using history information search means on the server side. Furthermore, since the user can determine the conditions for disclosing his / her wallet history information at his / her own will, privacy can also be protected. However, in the case of criminal investigation, all relevant history information can be traced.

  In addition, a company or the like can add advertising value such as a logo mark to the history information, and an electronic money issuing organization can collect the advertisement fee and the like. In addition, history information that is valuable to the celebrity fan, such as the history information including celebrity information, can be stored semi-permanently by preserving it according to the user's request. Moreover, the electronic money itself including the valuable history information can be used as a transaction target.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

10, 10A Electronic money card 20, 20A Electronic money portable terminal 30, 30A Electronic money transaction device 40 Financial institution system 100, 100A Electronic money server 101 Electronic money wallet database (electronic money wallet DB)
80 Electronic money wallet
90 Electronic money data 102 Transaction information acquisition means 103 Settlement means 104 History information search means 105 History information notification means 106 History information maintenance means 110 Transaction execution means 111 Electronic money issue means 112 Value transfer means 113 Value division means 114 Value integration means 115 Value Exchange means 116 Electronic money invalidation means 201 Electronic money history information database (electronic money history information DB)
202 processing request receiving means 210 processing request executing means 211 history information storage means

Claims (8)

An electronic money system for handling electronic money that can be distributed using an electronic money card or a portable terminal having an electronic money function,
The electronic money data includes a unique identifier of the electronic money data, value information that is a monetary value of the electronic money, and history information of transactions using the electronic money,
The electronic money system is:
Means for recording in the history information the identifier of the payer of the electronic money and the identifier of the recipient in the transaction using the electronic money;
Means for searching the history information according to the input search condition;
Means for disclosing the results of the search;
An electronic money system comprising:   2. The electronic money system according to claim 1, wherein the electronic money is fixed value electronic money in which the value information is fixed, or variable value electronic money in which the value information varies depending on a transaction.   The electronic money system has means for setting a disclosure condition for the history information by the payer or the recipient, and has means for disclosing the history information according to the disclosure condition. 2. The electronic money system according to 2.   The electronic money system according to any one of claims 1 to 3, wherein the electronic money system includes means for adding information that is an advertisement of the payer or the payer to the history information. system.   As a result of searching the electronic money history information, the electronic money system gives points to the user's wallet when the electronic money history information used by the user in the past exists in the user's wallet. The electronic money system according to any one of claims 1 to 4, wherein   6. The electronic money system according to claim 1, further comprising means for maintaining the history information in a storage device even after the electronic money is invalidated. An electronic money server having an electronic money history information database for storing the history information;
An electronic money transaction apparatus for processing a transaction between the electronic money cards or a transaction between the electronic money card and the mobile terminal;
When the amount of history information of the electronic money data stored in the electronic money card or the portable terminal exceeds a predetermined limit, a processing request is received from the electronic money transaction apparatus or the portable terminal, and the processing 6. The electronic money system according to claim 1, further comprising history information storage means for storing the history information exceeding the limit in the electronic money history information database based on a request. A method of processing electronic money that can be distributed using an electronic money card or a portable terminal having an electronic money function,
The electronic money data includes a unique identifier of the electronic money data, value information that is a monetary value of the electronic money, and history information of transactions using the electronic money,
An electronic money server for processing the electronic money transaction,
Recording the identifier of the payer of the electronic money and the identifier of the recipient in the history information during the transaction using the electronic money;
Searching the history information of the electronic money data according to the input search condition;
Browsing the search results;
A method for processing electronic money, characterized in that: