JP2020177702A - Electronic money system and processing method thereof - Google Patents

Abstract

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 that handles history information of electronic money 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 trading system that transmits and receives electronic money between IC cards that hold electronic money. Further, Patent Document 2 discloses an electronic money device having a storage device capable of arbitrarily rewriting and writing in a telephone device for a mobile phone.

Further, Patent Document 3 discloses a method of contributing to the realization of a global or social purpose such as protection of the global environment by utilizing the characteristics of electronic money. Specifically, when an electronic money card is presented to an electronic money interface, it detects its use, time and place, and purchases or uses a resource-saving or energy-saving product or service whose use meets certain conditions. When the use is in line with the purpose of protecting the global environment or contributing to society, the process of increasing the value of electronic money is executed. Increasing value is giving discounts, increasing balances, awarding points, or expanding the availability of usage rights. The same process 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 Unexamined Patent Publication No. 10-91739 Japanese Unexamined Patent Publication No. 2000-175268 Japanese Unexamined Patent Publication No. 2008-28120

Kumamoto Gakuen University, "21st Century Money-Digital Money-Chapter 1 What is Digital Money", [online], [Search on 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 the 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 by an arbitrary third party and distributed in turn. .. Since the exchange of "value" between users can be freely performed without notifying the issuer and the privacy of the user can be protected, it is functionally equivalent to "cash". On the other hand, the closed loop type is a type that cannot be reused because it returns to the issuing institution each time "value" is used. Therefore, it is easy for the issuing organization to grasp the usage status of "value". However, once the digital money is not returned to the issuing institution, it cannot be used for another payment, so the cash function of transferability is lost. In addition, compared to the open loop type, there is an advantage that the issuing organization can sufficiently check the security aspect, but depending on the check method, there is a possibility of invading the privacy of the user, which is equivalent to cash. It is hard to say that it is a function of.

Most of the electronic money currently in circulation is a closed loop type, but there is a possibility that various electronic money will 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 currencies. By taking advantage of the characteristics of electronic money and increasing the added value of electronic money itself, that is, by "adding new value to money" or "adding new enjoyment to money", the spread of electronic money will further advance. It is thought that it is a thing.

Therefore, in the present invention, with an eye on the future of electronic money, an electronic money system that creates new added value for electronic money while providing functions equivalent to cash and cards in electronic money that can be distributed among users. 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 mobile terminal having an electronic money function, and the electronic money data that is the substance of the electronic money can be distributed among users. , Includes a unique identifier of the electronic money data, value information which is the monetary value of the electronic money, and history information of transactions using the electronic money.
The electronic money system includes means for recording the identifier of the payer and the identifier of the recipient of the electronic money in the history information at the time of the transaction using the electronic money, and a search condition in which the history information is input. A means for searching according to the above, and a value exchange means for converting between fixed-value electronic money whose value information is fixed and variable electronic money whose value information fluctuates depending on the transaction.
It is characterized by having.

In another aspect of the present invention, the electronic money processing method that can be distributed using an electronic money card or a mobile terminal having an electronic money function, and the electronic money data that is the substance of the electronic money is used by the user. Processes the electronic money transaction, including a unique identifier of the electronic money data, value information which is the monetary value of the electronic money, and history information of a transaction using the electronic money. The electronic money server inputs the step of recording the identifier of the payer and the identifier of the recipient of the electronic money in the history information and the history information of the electronic money data at the time of the transaction using the electronic money. It is characterized by executing a step of searching according to the search conditions and a step of converting between fixed-value electronic money whose value information is fixed and variable electronic money whose value information fluctuates depending on the transaction. To do.

According to the present invention, it is an object of the present invention to provide an electronic money system that creates new added value for electronic money while having functions equivalent to cash and a card 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 the fixed value type and variable value type electronic money which concerns on embodiment of this invention. It is a figure for demonstrating the inheritance of the history information of the variable value type electronic money which concerns on embodiment of this invention. It is a figure which imaged the circulation of the electronic money which concerns on embodiment of this invention. It is a figure which shows the functional structure of the electronic money system which concerns on 1st Embodiment of this invention. It is a figure which shows the functional structure of the electronic money system which concerns on the 2nd Embodiment of this invention. It is a figure which shows the main flow of the electronic money handling processing which concerns on embodiment of this invention. It is a figure which shows the value transfer processing of electronic money which concerns on embodiment of this invention. It is a figure which shows the value integration process of electronic money which concerns on embodiment of this invention. It is a figure which shows an example of the history information search screen of electronic money which concerns on embodiment of this invention. It is a figure which shows an example of the standby notification screen of electronic money which concerns on embodiment of this invention.

Hereinafter, embodiments for carrying out the present invention (hereinafter, embodiments) will be described in detail with reference to the accompanying drawings. In the following figures, the same elements are numbered or coded throughout the description of the embodiments. Further, in the functional configuration diagram, the arrows between the functional blocks indicate the data flow direction or the processing flow direction. Further, in the processing flow chart (flow chart), the processing order of each step may be changed as long as the relationship between the input and the output of each step is not impaired.

(Electronic money wallet)
FIG. 1 is a diagram showing 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 an open loop type electronic money that can be distributed among users, but the electronic money of the present system A unique identifier of the electronic money data itself is given to the money data at the time of issuance, and value information (monetary value) of the electronic money and transaction history information are added to each of the identifiers. That is, along with the monetary value of the electronic money itself, the transaction information (distribution channel) of the electronic money after the electronic money is issued is recorded as historical 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 its use can be traced, but it can be said that it has an open-loop character in the sense that it is distributed.

The electronic money of this system will be described below. There are two types of electronic money handled by this system: fixed-value type and variable-value type. Fixed-value electronic money is a type that can be transferred to another person without changing the value determined at the time of issuance until the electronic money disappears, like real banknotes and coins. That is, it is a type with a fixed value. The transaction is completed simply by moving the electronic money data having "value" from the payer to the recipient, but if "change" is required, the electronic money with the value equivalent to cash or change will be received. Further, the monetary value of the fixed value type electronic money may be set to 1 yen as the minimum unit according to the unit of the actual currency. That is, in this system, transaction information can be tracked in units of 1 yen.

On the other hand, variable-value electronic money is a type in which the value (balance) determined at the time of issuance fluctuates in the process of transaction, which is similar to the currently popular rechargeable IC card type electronic money. Is. The value of variable-value electronic money fluctuates from 0 yen to a predetermined upper limit. That is, when withdrawing using electronic money, the value decreases by the amount paid, and conversely, when receiving payment or charging (deposit), the value increases. Therefore, you will not receive "change".

The electronic money wallet stores one or more 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 electronic money wallet illustrated in FIG. 1, 10,000 yen and 5,000 yen are "2 sheets" and "5 sheets" are 1,000 yen, and 500 yen and 100 yen are "2 sheets" and 50 yen. Since "3 sheets" of 10 yen, 5 yen, and 1 yen are stored in the wallet, the owner of this wallet has a total of 36,398 yen. Further, in principle, only one variable-value electronic money is stored in the variable-value electronic money wallet. In the example shown in the figure, the owner of this wallet has the balance of electronic money of 12,345 yen. Since one person can have multiple wallets, one can be used as a fixed value type and the other as a variable value type. Naturally, you can have as many wallets as you like, unlike a real wallet.

The value of fixed-value electronic money does not necessarily have to match the actual monetary unit. For example, "100,000 yen bill" or "50,000 yen bill" for high-value transactions, and automatic It is possible to freely generate "coins" such as "150-yen coins" and "130-yen coins" for small-amount fixed transactions that are frequently used in vending machines.

In addition, although not entered in this specification, the electronic money wallet is stored on a system with strong security, and only the user who has received the prescribed personal authentication can spend, receive, and balance the electronic money. You can browse. Needless to say, the electronic money data itself is also encrypted to prevent falsification and counterfeiting.

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 variable value type, and "value information" is information indicating the monetary value of this electronic money, which is constant in the fixed value type and constant in the variable value type. This is the current balance (see FIG. 2B). Since it is assumed that only one variable-value electronic money can exist in one wallet, the electronic money ID of the variable-value electronic money matches the wallet ID. Therefore, 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", "transaction act", "transaction content", "payer identifier", and "recipient identifier". Is recorded for each transaction (see FIG. 2 (a)). In addition to the above items, the "transaction amount" and the "balance", which is the value after the transaction, are added to the variable value type history information (see FIG. 2B). The "transaction date and time" is the date and time when the transaction using electronic money was performed, and the "transaction act" is the intended use (purpose of use) of the electronic money. The main "transactions" are "issue", "transfer", "exchange", "payment", "payment", and "invalidation", which will be explained in the following order.

"Issuing" is the act of "purchasing" electronic money with cash, a credit card, or the like, and means the generation (birth) of electronic money. When electronic money is issued, an electronic money ID is given.

"Transfer" is the act of transferring electronic money to another user. "Donation", "donation", and "gift" correspond to this. However, in fixed-value electronic money, the purchase act involves the transfer of electronic money, but since this is a trading act, the purchase of goods and services (hereinafter referred to as goods, etc.) is included in the "payment" described later. It shall be.

"Exchange" is the act of exchanging electronic money for other electronic money of the same value. In fixed-value electronic money, it is the same concept as the "exchange" of real money. 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 the currencies of other countries. Exchange from fixed value type to variable unit type, and vice versa, is also included in "exchange". However, in variable-value electronic money, the value is constantly changing, so there is no concept of "breaking money."

"Payment" is the act of transferring electronic money in exchange for goods and the like. In "payment", the name of the purchased product and other incidental information should be recorded as "transaction content" as much as possible. "Payment" includes "tax", "gift", "buying and selling of securities", "debt", and "repayment" as items that should be treated specially depending on the purpose of use, in addition to "purchase" of general products. , Etc. can be further classified.

The "payer" and "recipient" of the history information include the identifiers of the person who paid with electronic money and the person who received the electronic money (to be exact, the ID of the recipient's wallet or the ID of the recipient's wallet). Recorded. Since the owner can be identified from the wallet ID, the "payer" and "recipient" are shown by their names (abbreviations) in the following figures for the sake of clarity. Here, if the owner of the wallet is an individual, the name is usually not disclosed, but it can be disclosed at the request of the individual. In FIG. 2A, the user who made the wallet private is displayed as “■■■■”.

In addition, if the owner of the wallet is a corporation, the name is usually disclosed, but it may not be disclosed at the request of the corporation. That is, the wallet owner can choose whether to disclose or not disclose his wallet regardless of whether it is an individual or a corporation, but the default value is only private for individuals and public for corporations. is there. In addition, both individuals and corporations can set disclosure conditions that define the conditions for disclosing whether or not to disclose the wallet. For example, it is possible to set not to disclose when the amount is less than or more than a predetermined amount, and not to disclose the transaction of a specific product or the like.

As a general rule, information on all transactions is recorded in the history information of electronic money, but not all history information can be viewed. Personal names and other privacy-related histories are basically private.

"Payment" is an act indicating that payment has been received by electronic money, and corresponds to the act of "payment" from the viewpoint of "recipient". In the case of variable-value electronic money, "payment" includes payment 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, an act of invalidating electronic money data and extinguishing electronic money. However, when electronic money is invalidated, the monetary value becomes zero, but historical information shall remain for at least a certain period of time.

In addition, as will be described later, the history information itself may be valuable. In such a case, the system "preserves" the electronic money and semi-permanently stores the history information recorded in the electronic money. Can be stored. For this conservation measure, the issuing entity (issuing institution) of electronic money may collect a fee from the person who requested the conservation. In addition, electronic money itself containing valuable historical information that can be preserved can be targeted for transactions. That is, it is possible to add new value to worthless electronic money by extinguishing it and invalidating it.

Furthermore, as a unique process of this system, the concept of "division" and "integration" of electronic money is established. "Split" is the exchange of one electronic money for two or more other electronic money. Further, "integration" is to exchange two or more electronic money for one electronic money. In fixed-value electronic money, "split" and "integration" are synonymous with "exchange" (exchange), but variable electronic money will be described later.

FIG. 3 is a diagram for explaining the inheritance of historical information of variable value type electronic money data. In this example, it is assumed that "Taro" subscribes to the electronic money system and charges 1,000 yen to his newly issued wallet 80A. After that, if one cigarette is purchased at "D convenience store" for 500 yen, the balance of the wallet 80A will be 500 yen. At this point, history information 801 is recorded in the wallet 80A. "Taro" can continue to purchase using the same wallet, so history information will continue to increase thereafter. This is different from the case where the entire balance is used to pay for two cigarettes as shown in FIG. 2 (b). 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 only a part of the wallet has been transferred, leaving the balance.

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

On the other hand, if "Hanako" generates a wallet 80B and pays "Jiro" 1,000 yen for lunch, and that "Jiro" buys a cake at the same "D convenience store" for 700 yen, "Hanako" The history information 802 from the generation of the wallet 80B to the payment of 1,000 yen to "Jiro" is once inherited by the wallet of "Jiro", and then when "Jiro" raises funds, the wallet of "D convenience store" Is inherited by. In addition, the history information 803 from the latest charge of "Jiro" to the purchase of cake is inherited by the wallet 80D of "D convenience store". In this example, it is not possible to distinguish whether the 700 yen paid by "Jiro" to the cake was paid from the previous charge of 2,000 yen or from the 1,000 yen deposit from Hanako, so for convenience, the older deposit is used. I think I paid. It is not necessary to inherit the history of this old one before the deposit. This is because it is considered that it is not related to the deposit from "Hanako".

Although not shown here, the history information of the user's wallet, which is not disclosed to the wallet, is also inherited. However, the name of the user in that case is not displayed.

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

By doing so, 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. The electronic money does not disappear even if the balance becomes zero as shown in the history information 804, but the electronic money can be invalidated (disappeared) at the request of the owner. .. Of course, it is possible to invalidate even if the balance remains. The balance at that time shall be settled in cash. However, even if it is invalidated, the history information is not immediately deleted, and valuable history information can be created with new value by taking maintenance measures as described above.

FIG. 4 is an image of the distribution of electronic money. In this figure, the fixed-value electronic money of 500 yen that individual A "paid" to individual B may go around and return to individual A's hand (individual A's wallet) someday. It is shown that. It may be strange if the electronic money that I used in the past returns after many years. When electronic money returns to your wallet, it would be interesting if the issuing agency of the electronic money gives points as a memorial.

As a general rule, information on all transactions 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 privacy-related histories are basically private. However, even if it is an individual, in the case of a celebrity such as a celebrity, there may be a merit in disclosing the history information of electronic money in order to promote his / her name. That is, as described above, the disclosure conditions of the history information can be set according to the request of the user. The same applies to corporations, and it is possible to proactively 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 an individual-identifiable name or the like is not disclosed, but a corporate name or the like is disclosed except for a part. Subscribers to this electronic money system can view the history information of electronic money on the dedicated viewing 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 is shown that the name (stage name) is announced by his / her own will. Further, even when the self-information is disclosed, the information to be disclosed does not have to be the full name, and only the type of business such as "Dagashiya" may be disclosed. In addition, a simple figure such as a logo mark may be added for promotion. The issuer of electronic money shall be able to collect advertising fees from here. Advertising fees may be determined according to the number of views. Of course, the history information records an identifier that can identify an individual, but it is not disclosed to the public except in the case of a criminal investigation by a public institution.

With regard to the history information of electronic money, in this way, 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, and for what purpose. Record the transaction information as to whether it has passed. Of course, not all transaction information can be recorded, but such transaction information will continue to increase as long as the electronic money is in circulation. To handle such a huge amount of data, we will make the best use of big data technology. However, in order to avoid an infinite increase in data, a lower limit is set for the value (transaction amount) of transactions that retain history (for example, history of small transactions such as less than 1,000 yen is not retained), or for a predetermined period (for example). For example, history information that has passed 2 to 3 years) may be deleted or stored in another database unless it is related to a criminal investigation. Further, the electronic money whose data amount has become too large may be treated as having reached the "lifetime", and the electronic money having reached the end of its life may be once "collected".

It should be noted that this system requires technologies for preventing counterfeiting of electronic money and protecting the privacy of historical information, but these technologies shall use the most suitable publicly known technology when implementing this system, and are not included in this specification. I will do it.

(Functional configuration of the first embodiment)
FIG. 5 is a diagram showing a functional configuration of an 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-mentioned electronic money data, and as shown in the figure, an electronic money wallet 80 and an electronic money data 90 are stored in the electronic money server 100 for each user. It is equipped with a money wallet DB 101. The electronic money server 100 is a payment means that makes a payment between the transaction information acquisition means 102 that acquires transaction information between electronic money users and the financial institution system 40 when purchasing electronic money or returning it to cash (cashing). The 103, the transaction execution means 110 for executing various transactions and processes of electronic money, the history information search means 104 for searching the history information of electronic money stored in the electronic money wallet DB 101, and the searched history information are used. It is composed of a history information notification means 105 for notifying in response to a request from a person and a history information maintenance means 106 for semi-permanently maintaining the history information.

The transaction executing means 110 is further composed of an electronic money issuing means 111, a value moving means 112, a value dividing means 113, a value integrating means, a value exchange means 115, and an electronic money invalidating means 116.

In FIGS. 2 and 3, the electronic money data 90 is schematically shown in one data structure, but information other than the electronic money ID and the value or the value balance (record of change in value information and transaction history information). May be stored in another database associated with the electronic money ID. In addition to the issuer of electronic money, this system shall be operated by an industry group consisting of government and local government institutions, financial institutions, affiliated companies, etc.

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

When a user uses electronic money, the electronic money card 10 (hereinafter, may be simply referred to as a "card") or the electronic money mobile terminal 20 having an electronic money function (hereinafter, simply referred to as a "mobile terminal") may be used. ) To do it. For example, when shopping using the electronic money card 10, the card is held in the electronic money trading device 30 (hereinafter, may be simply referred to as “trading device”) of the cash register, and the price of the product is paid.

At this time, the electronic money trading device 30 has a means of communication with the electronic money card 10, the electronic money mobile terminal 20, and the electronic money server 100, reads the card information from the card or the mobile terminal, and sets the card identifier and the mobile terminal. Transaction information including an identifier, a payer identifier, a recipient identifier, a transaction amount, and an identifier of a transaction device is transmitted to the transaction information acquisition means 102. The same is basically true when a user purchases a product or service (hereinafter, product, etc.) using a mobile terminal. Further, in the case of an individual-to-individual transaction, payment and receipt of electronic money, that is, transfer of value is possible between both mobile terminals. In this case, the mobile terminals of the payer and the recipient both transmit the transaction information to the electronic money server 100 by directly communicating with the transaction information acquisition means 102 via the Internet. In either case, the transaction information acquisition means 102 confirms the payer and recipient identifiers (user IDs) and their authentication information, and if it is confirmed that the user is a registered user of this system, the delivery of electronic money or other matters. The process is handed over to the transaction execution means 110 in order to execute the process of. If the card has a communication function and a user interface function, some transactions can be performed between the cards.

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

The history information notification means 105 provides a function of notifying the user of the history information of electronic money within a "predetermined range" under "predetermined conditions" at the request of the user. The history information retrieval means 104 described above is used to specify the history information to be notified.

The history information preservation means 106 is a process called at the request of a user or a third party when it is desired to preserve the history information semi-permanently. 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, and the history information that has passed the life is sequentially deleted, but "preservation". The collected history information is moved to another maintenance database and can be stored semi-permanently. In addition, the history information preservation means 106 can also be used when preserving evidence of a crime.

The transaction executing means 110 is processed by the electronic money issuing means 111, the value moving means 112, the value dividing means 113, the value integrating means 114, the value exchange means 115, and the electronic money invalidating means 116 according to the transaction act and the transaction content. Divide.

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 to settle the payment procedure of the purchase price at that time. The purchase of electronic money is made by cash (if the trading device can handle it), a debit card, a credit card, online banking, or the like.

When the user purchases electronic money for the first time, the electronic money issuing means 111 requests user registration, and when the registration is completed, a new wallet ID is generated. In the case of an existing user, the wallet ID that has already been generated is read. Then, when it is confirmed that the settlement of the purchase of new electronic money has been completed normally, an electronic money ID is generated, and the electronic money in which the amount corresponding to the purchase amount is recorded in the value information is issued and used. Store in the wallet of the person.

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 having the same purchase price is issued, but in the fixed value type electronic money, it is possible to specify the "denomination" of the electronic money. For example, if the purchase price is 50,000 yen, 1 "sheet" of electronic money of 50,000 yen may be specified, 5 "sheets" of electronic money of 10,000 yen, or 50 "sheets" of electronic money of 1,000 yen. Etc. may be specified.

The value transfer means 112 is a process called when making a payment with electronic money, that is, when moving a 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 deducted from the value balance of the payer's electronic money, and the payment amount is added to the value balance of the recipient's electronic money.

The value dividing means 113 is a process called when one electronic money is "divided" into two or more. In fixed unit money, "splitting" is equivalent to exchanging real money, but in variable unit money it is a little more complicated. For example, suppose a user has 50,000 yen of variable-value electronic money, of which 47,000 yen is used to purchase electrical appliances, and the remaining 3,000 yen is donated. In this case, the electronic money of 50,000 yen can be divided into 47,000 yen and 3,000 yen in advance. This division can also be performed when paying for the product or the like to be purchased first. For example, if you purchase an electric appliance for 47,000 yen first, the electronic money for 50,000 yen to 47,000 yen will be split and moved to the home appliance store, and the remaining 3,000 yen worth of electronic money will be split and remain at hand. become. A new identifier is assigned to each of the divided electronic money, the history of the division is recorded, and the history information before the division is inherited in principle. Whether or not to divide is decided according to the request of the user.

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

If you do not split, in the above case, when you complete the donation for 3,000 yen, the variable value type electronic money with zero value will remain in the wallet of the payer, but by newly charging it The electronic money can be used again. In addition, in the case of division, the electronic money before the division shall be invalidated (disappeared). This is to avoid unlimited growth of data. It is up to the user to decide whether or not to divide.

As described above, the value integration means 114 is a process called when two or more electronic money are "integrated" into one. In the case of fixed-value electronic money, it is equivalent to the exchange of real money, but in the case of variable unit type, it is a little complicated. For example, when a recipient who has received payment with multiple electronic money pays to another recipient using the received electronic money, or when he / she wants to avoid paying with multiple electronic money. , The payment procedure can be simplified by integrating the plurality of electronic money into one in advance. A new identifier is assigned to each of the integrated electronic money, and the integration history is recorded. In principle, the history information of the electronic money before the integration is taken over by the electronic money after the integration, and the electronic money before the integration is invalidated (disappeared). By providing the integration means in this way, especially in the fixed unit type, when the number of electronic money stored in the wallet increases too much, the number can be reduced, so that the management of the 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, it is possible to exchange the currency of electronic money into the currency of another country at a predetermined exchange rate, convert fixed-value electronic money into variable-value electronic money, or vice versa. The value exchange means may include a point awarding means for giving points as a privilege to the user, and a point exchange means for exchanging the given points for electronic money at a predetermined rate.

In addition, although not shown, when the electronic money returns to the wallet, that is, as a result of searching the history information of the electronic money in the wallet, the history information of the electronic money used in the past exists. If this is the case, the wallet may be provided with a means for giving points as a memorial from the issuing organization of electronic money. In this case, the points may be determined according to the period required for the electronic money to be returned.

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

The history information retrieval means 104, the history information notification means 105, and the history information preservation means 106 can be accessed from the 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 an electronic money system according to a 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, but in the electronic money system of the second embodiment, the data is concentrated. 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 mobile terminal 20A (hereinafter, simply referred to as a terminal) side. Hereinafter, only the parts different from the functional configuration of the first embodiment of FIG. 2 will be described.

Similar to the first embodiment, processing that can only be performed by the server, such as issuance and invalidation of electronic money, is performed by the electronic money server 100A (hereinafter, simply referred to as a server), but daily payment / receipt processing of electronic money. (Value transfer) can be performed between the card or the terminal and the electronic money trading device 30A (hereinafter, simply referred to as a trading device), or between the terminals. Therefore, in the second embodiment, the value transfer means are provided on the trading device side and the terminal side. The wallet viewing means 118 for viewing the data in the wallet of the card or the terminal is also provided on the trading device side and the terminal side. Therefore, the history information can also be seen.

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

Further, 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, the wallet can be used properly according to the purpose. Both fixed-value type electronic money and variable-value type electronic money can be stored in the wallet of the card or terminal, but the number of electronic money that can be stored in one wallet due to the limitation of the storage capacity of the card or terminal. And the amount may be limited. Further, the history information of electronic money stored on the card side or the terminal side is limited in the storage period or the storage amount due to the same restrictions.
For example, when the history information is stored on the card side, the storage period is up to 6 months and the storage amount is up to 1 GB. However, when saving on the terminal side, the restriction may be relaxed.

History information that exceeds the limit is not deleted sequentially, but is preferably automatically or semi-automatically transferred to a large-capacity database on the server side and stored for at least a certain period of time. Of course, it is also possible to browse the history information stored on the server. Even if a certain period of time has passed, the electronic money information will be stored semi-permanently if the above-mentioned maintenance measures are taken.

As described above, in the second embodiment, a processing request that cannot be processed only by the card, the terminal, or the trading device can be transmitted to the server so that the server can process the processing. Therefore, the terminal and the trading device are provided with processing request transmitting means 119 for the server. Functions processed on the server side include issuance and invalidation of electronic money, storage of history information exceeding the limits of cards and terminals, preservation measures for history information, division, integration, and exchange of electronic money. In the case of fixed-value electronic money, some of the above processes may be performed on the terminal or trading device side.

Further, on the server side, in order to respond to the processing request from the terminal or the trading device, the processing request receiving means 202 that receives the processing request performed by the server and the processing request execution that executes the necessary processing based on the processing request. It has means 210. The processing request executing means 210 includes a history information storage means 211 that stores history information exceeding the limit of the card or the terminal in the electronic money history information database 201, and other means as shown in the figure. The history information retrieval means 104, the history information notification means 105, and the history information preservation means 106 can be accessed from the official homepage or the like without going through the processing request receiving means 202.

As a method of classifying electronic money, it is possible to divide it into 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 the recorded electronic money on the card side is added or subtracted. However, the system of the first and second embodiments of the present invention is not suitable for such a classification method and is, so to speak, a hybrid type.

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

(Processing flow)
The processing in the electronic money system will be described in more detail below. Since the processing flow is almost 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. First, in step S11, the electronic money server 100 acquires transaction information of electronic money between users (information such as wallet ID, electronic money ID, transaction content, transaction amount, etc. of both). In the electronic money transaction, in addition to the case where the electronic money card 10 or the electronic money mobile terminal 20 is held over the electronic money trading device 30 for payment, the electronic money mobile terminals 20 are exchanged with each other between individuals. It is also possible to communicate by short-range wireless communication of the terminal without going through.

Next, in step S12, the electronic money server 100 checks whether or not 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, and the value settlement process, that is, the process of receiving payment in cash or the like corresponding to the value of the electronic money and making the purchase settlement of the electronic money is performed. When the payment is completed (step S14: Y), the electronic money ID is generated and the electronic money data is stored in the user's wallet. If the settlement is not completed normally (step S14: N), the process ends 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. When invalidating, there are cases such as cashing electronic money, integrating multiple electronic money and extinguishing the original electronic money, or when you do not want to distribute electronic money any more for some other reason. Be done. When invalidating (step S16: Y), the process proceeds to step S17, the value balance of the electronic money is cashed, and when the cashing is completed (step S18: Y), the electronic money data is invalidated in step S19. .. Specifically, the invalidity flag is set in the electronic money ID, and the date and time of invalidation is recorded.

If it is neither newly issued nor invalidated, the process proceeds to step S20 and the value transfer process of electronic money is performed. That is, the value of electronic money corresponding to the transaction amount is transferred from the payer to the recipient. 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 act, and the transaction content are recorded together with the transaction date and time in the history information of the electronic money of the payer and the recipient, and the process is performed. To finish. At this time, if it is necessary to take over the history, copy the information. In the second embodiment, the value transfer process and the history information recording process can be performed on the user side of the card or terminal or on the trading device side.

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

In the value transfer process of electronic money, first, in step S201, the wallet of the payer and the recipient is extracted from the transaction information. Next, in step S202, it is checked whether or not the electronic money is a variable value type. If it is a fixed value type, the process proceeds to step S203, and all the electronic money data is moved from the paying wallet to the receiving wallet. If it is a variable value type, the process proceeds to step S204, and the payment value (transaction amount) is extracted from the transaction information. Then, in step S205, it is confirmed whether or not the electronic money of the payment source needs to be divided or integrated. Whether or not division or integration is necessary shall be included in the transaction information to that effect. If splitting or integration is not required (step S205: N), the value transfer process in step S206, that is, the payment value is deducted from the value of the payer's electronic money and the payment value is added to the value balance of the recipient's electronic money. Performs the process of adding minutes.

If splitting or consolidation is required (step S205: Y), the process proceeds to step S207 to further check whether the payment value exceeds the value of the payment source electronic money (wallet balance). If the value is exceeded (step S207: Y), the target of the integration process is set, and the process proceeds to the value integration process of step S220. The integrated 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, 47,000 yen and the remaining 3,000 yen. Then, in step S209, the value transfer process is performed in the same manner as the process of S206, using one of the divided electronic money as the payment source. The remaining 3,000 yen of electronic money can be used for another payment after this.

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

FIG. 9 is a diagram showing a value integration process of electronic money. This figure is a subdivision of the process 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 proceeds to step S223 and confirms whether or not to integrate with the payer's other wallet. The information for this confirmation shall be included in the transaction information. If it cannot be confirmed that the integration is performed (step S223: N), nothing is done and the caller returns. In this case, since no electronic money processing is performed, the history information is not recorded (step S21 in FIG. 7). Needless to say, fixed-value electronic money and variable-value electronic money cannot be integrated.

When performing the integration (step S223: Y), in step S224, the electronic money data is extracted from the other wallet of the payer and the integration is attempted. Then, check whether the total value of the wallet after integration is equal to or greater than the payment value. If it does not exceed the payment value (step S225: N), return to S223 and check whether to integrate with another wallet. If this step is repeated and the total value of the wallet after integration 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 to the wallet after integration as the payment source. Perform processing. 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 processing performed by the electronic money server 100 includes other processing (storage of history information, retrieval of history information, preservation of history information, etc.), but since it is obvious from the explanation already described, it is explained here. Is omitted.

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

Then, the dedicated application reads out all the history information of the electronic money data in the wallet in the electronic money card 10 or the electronic money mobile terminal 20 and displays it on the screen of the terminal or the PC. When there is a huge 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 historical information in the electronic money data in your wallet.

Of course, the search target of electronic money history information is not limited to your wallet. If you hold the electronic money card 10 of a friend or the like on your mobile terminal and perform authentication work such as login, you can also search the history information. Further, the history information search means 104 of the electronic money server 100 described above can be used to search all the electronic money histories stored in the electronic money history information DB 201. Since this search will be enormous, we will utilize big data search technology.

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

What is displayed here is only electronic money data, which is originally worthless, but if technology is adopted that makes it absolutely impossible to forge or falsify electronic money data, this Electronic money is guaranteed to be the only data in the world. This is very valuable for fans like the one above.

I do not know where this electronic money is currently because the current owner displayed at the bottom of the history information is not disclosed, but if this electronic money is in my wallet, first It is possible to invalidate this electronic money (stop distribution), perform the above-mentioned maintenance process (charged), and leave the history information of this electronic money semi-permanently. If the owner is found, or if the electronic money is in the hands of the owner who publishes the history information, it is not impossible to negotiate with the owner and have him give it away. And there is a possibility that such electronic money data will be traded among fans and will be premiered. There is also a way to enjoy searching historical information and mining rare information. That is, the electronic money history information can be used to create new added value of electronic money, that is, value that entertains people and economic value.

(Example of standby notification screen)
FIG. 11 is a diagram showing an example of an electronic money standby notification screen according to an embodiment of the present invention. "Standby notification" refers to a function of receiving a notification of payment when a user enters "specific electronic money" in his / her wallet. "Specific electronic money" refers to electronic money designated to notify the user when the history information of electronic money or the type of electronic money meets the conditions specified in advance and the money is deposited in the own wallet. For example, electronic money with history information used by celebrities, electronic money generated on specific anniversaries, and some benefits (points and value surcharges, etc.) when used as a campaign for a specific location or purpose within the expiration date. There are electronic money etc. with. It goes without saying that specific electronic money is also a target of transactions, like commemorative banknotes and commemorative coins of real money. The standby notification screen is a screen for a user to specify conditions for specific electronic money in advance and to receive a notification when the electronic money enters his / her wallet. This screen does not actively search the history information of electronic money as shown in FIG. 10, but is only for naturally waiting for the deposit of specific electronic money and receiving a notification when there is a deposit. ..

FIG. 11 shows an example of a standby notification screen that notifies that the specific electronic money is electronic money with a campaign and that the electronic money has entered the own wallet. It is assumed that the user has specified 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 place (storage wallet) in the wallet. Therefore, the specific electronic money that you have obtained will not be used for payment without being explicitly instructed and will not leave your wallet.

(Effect of embodiment)
As described above, according to the embodiment of the present invention, there is provided an electronic money system that creates new added value for electronic money while providing functions equivalent to cash or a card in electronic money that can be distributed among users. 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 in widespread use.

In this system, since the electronic money data itself has history information, the user can access the card or mobile terminal in which the wallet containing the electronic money is stored and browse the history information at any time. Can be done. You can also search for electronic money that is not in your wallet using the history information search method on the server side. Furthermore, since the user can set the conditions for disclosing the history information of his / her wallet at his / her own will, privacy can be protected. However, in the case of a criminal investigation, all relevant historical information can be tracked.

In addition, companies and the like can add information with advertising value such as a logo mark to the history information, and the issuing organization of electronic money can collect the advertising fee and the like. In addition, history information that is valuable to fans of the celebrity, such as history information including celebrity information, can be stored semi-permanently by performing maintenance measures at the request of the user. In addition, the electronic money itself including the valuable historical information can be the target of the transaction.

Although the present invention has been described above using the embodiments, it goes without saying that the technical scope of the present invention is not limited to the scope described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the above embodiments. Further, it is clear from the description of the scope of claims that the form to which such a modification or improvement is added may be included in the technical scope of the present invention.

The following additional notes will be further disclosed with respect to the above embodiments.

[Appendix 1]
An electronic money system that handles electronic money that can be distributed using an electronic money card or a mobile terminal equipped with an electronic money function.
The electronic money data includes a unique identifier of the electronic money data, value information which is the monetary value of the electronic money, and history information of transactions using the electronic money.
The electronic money system
A means for recording the identifier of the payer and the identifier of the recipient of the electronic money in the history information at the time of the transaction using the electronic money.
A means for searching the history information according to the entered search conditions, and
Means for disclosing the results of the search and
An electronic money system characterized by being equipped with.

[Appendix 2]
The electronic money system according to Appendix 1, wherein the electronic money is a fixed-value type electronic money in which the value information is fixed, or a variable-value type electronic money in which the value information fluctuates depending on a transaction.

[Appendix 3]
The electronic money system includes means for setting disclosure conditions for the history information by the payer or the recipient, and includes means for disclosing the history information in accordance with the disclosure conditions. The electronic money system described in.

[Appendix 4]
The electronic money system according to any one of Supplementary note 1 to 3, wherein the electronic money system includes means for the payer or the payer to add information to be a promotion of the payer to the history information. ..

[Appendix 5]
As a result of searching the history information of the electronic money, the electronic money system gives points to the wallet of the user when the history information of the electronic money used by the user in the past exists in the wallet of the user. The electronic money system according to any one of Appendix 1 to 4, wherein the electronic money system is characterized by the above.

[Appendix 6]
The electronic money system according to any one of Supplementary Provisions 1 to 5, wherein the electronic money system includes means for storing the history information in a storage device even after the electronic money is invalidated.

[Appendix 7]
An electronic money server having an electronic money history information database for storing the history information,
Further provided with an electronic money trading device for processing transactions between the electronic money cards or transactions 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 mobile terminal exceeds a predetermined limit, a processing request from the electronic money trading device or the mobile terminal is received and the processing is performed. The electronic money system according to any one of Supplementary Provisions 1 to 5, wherein the electronic money history information database is provided with a history information storage means for storing the history information exceeding the limit based on the request.

[Appendix 8]
A method of processing electronic money that can be distributed using an electronic money card or a mobile terminal equipped with an electronic money function.
The electronic money data includes a unique identifier of the electronic money data, value information which is the monetary value of the electronic money, and history information of transactions using the electronic money.
The electronic money server that processes the electronic money transaction
A step of recording the identifier of the payer and the identifier of the recipient of the electronic money in the history information at the time of the transaction using the electronic money.
A step of searching the history information of the electronic money data according to the entered search conditions, and
Steps to view the search results and
A method of processing electronic money, which is characterized by executing.

10,10A Electronic money card 20,20A Electronic money mobile terminal 30,30A Electronic money trading device 40 Financial institution system 100,100A Electronic money server 101 Electronic money wallet database (electronic money wallet DB)
80 Electronic money wallet (electronic wallet)
90 Electronic money data 102 Transaction information acquisition means 103 Payment means 104 History information retrieval means 105 History information notification means 106 History information preservation means 110 Transaction execution means 111 Electronic money issuing 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 (10)

An electronic money system that handles electronic money that can be distributed using an electronic money card or a mobile terminal equipped with an electronic money function.
The electronic money data, which is the substance of the electronic money, can be distributed among users.
Includes a unique identifier of the electronic money data, value information which is the monetary value of the electronic money, and history information of transactions using the electronic money.
The electronic money system
A means for recording the identifier of the payer and the identifier of the recipient of the electronic money in the history information at the time of the transaction using the electronic money.
A means for searching the history information according to the entered search conditions, and
A value exchange means that converts between fixed-value electronic money with fixed value information and variable-value electronic money whose value information fluctuates depending on the transaction.
An electronic money system characterized by being equipped with. The electronic money system according to claim 1, wherein the history information is managed in units of a user's wallet, and the user of the electronic money searches the history information in his / her wallet. The electronic money system according to claim 1 or 2, wherein the recipient of the electronic money includes means for allowing the recipient of the electronic money to select whether to make the name public or private in the history information. The electronic money is any one of claims 1 to 3, characterized in that the electronic money is a fixed value type electronic money in which the value information is fixed, or a variable value type electronic money in which the value information fluctuates depending on a transaction. The electronic money system described in. From claim 1, the electronic money system includes means for setting disclosure conditions for the history information by the payer or the recipient, and includes means for disclosing the history information in accordance with the disclosure conditions. The electronic money system according to any one of up to 4. The electronic money system according to any one of claims 1 to 5, wherein the payer or the payer includes means for adding information to be advertised to the history information. As a result of searching the history information of the electronic money, the electronic money system gives points to the wallet of the user when the history information of the electronic money used by the user in the past exists in the wallet of the user. The electronic money system according to any one of claims 1 to 6, wherein the electronic money system is provided. The electronic money system according to any one of claims 1 to 7, further comprising means for preserving 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,
Further provided with an electronic money trading device for processing transactions between the electronic money cards or transactions 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 mobile terminal exceeds a predetermined limit, a processing request from the electronic money trading device or the mobile terminal is received and the processing is performed. The electronic money system according to any one of claims 1 to 8, wherein the electronic money history information database is provided with a history information storage means for storing the history information exceeding the limit based on the request. .. A method of processing electronic money that can be distributed using an electronic money card or a mobile terminal equipped with an electronic money function.
The electronic money data, which is the substance of the electronic money, can be circulated among users, and the unique identifier of the electronic money data, the value information which is the monetary value of the electronic money, and the electronic money are used. Including transaction history information
The electronic money server that processes the electronic money transaction
A step of recording the identifier of the payer and the identifier of the recipient of the electronic money in the history information at the time of the transaction using the electronic money.
A step of searching the history information of the electronic money data according to the entered search conditions, and
The step of converting between fixed-value electronic money with fixed value information and variable-value electronic money whose value information fluctuates depending on the transaction,
A method of processing electronic money, which is characterized by executing.