JP7007835B2 - Electronic money terminal device, electronic money management system and electronic money charging method - Google Patents

Description

The present invention relates to an electronic money terminal device, an electronic money management system, and an electronic money charging method capable of efficiently charging electronic money up to a preset upper limit.

Conventionally, in stores such as supermarkets, electronic money terminal devices (hereinafter referred to as "electronic money charging machines") capable of charging electronic money are often installed. When a user charges electronic money using such an electronic money charging machine, the user inserts an electronic money compatible IC card into the electronic money charging machine, checks the balance of the electronic money, and electronic money. A desired amount button is selected from a plurality of amount buttons preset on the charging machine, and money equivalent to the amount of the amount button is inserted. As a result, the electronic money corresponding to the amount of money deposited in association with the identification information (ID) of the electronic money managed by the electronic money management center is charged.

A technique that enables designation of a deposit amount without providing an amount button for selecting the charge amount of such electronic money is known. For example, Patent Document 1 describes a non-contact IC in which information on electronic money is recorded. A technique for increasing or decreasing a designated amount of money to be charged to the non-contact IC card each time the card is touched with an electronic money charging machine is disclosed.

Japanese Patent No. 5412840

However, while the above-mentioned Patent Document 1 is effective when performing a low-value charge, it is not suitable when performing a high-value charge up to the preset upper limit of the remaining amount of the IC card (for example, 50,000 yen). There is a problem.

Recently, points etc. are often given when purchasing products with electronic money, and it is more advantageous to purchase products with electronic money than purchasing products with cash, so a large amount of charge is applied to electronic money. The number of cases to do is increasing. In this case, if the above-mentioned conventional technique is used, the non-contact IC card must be repeatedly touched to the electronic money charging machine. Further, when charging using the amount button, the process of pressing the amount button and charging must be repeated many times, which is not efficient.

The present invention has been made to solve the above-mentioned problems of the prior art, and is an electronic money terminal device, an electronic money management system, and an electronic money charge capable of efficiently charging electronic money up to a preset upper limit amount. The purpose is to provide a method.

In order to solve the above-mentioned problems and achieve the object, the present invention is an electronic money terminal device for charging an electronic money corresponding to the valuable value to a valuable medium for valuing the electronic money. When the selection operation of the upper limit charge selection button for selecting the charge up to the upper limit of the electronic money that can be valued to the preset valuable medium and the valuable medium receiving unit that accepts the above-mentioned upper limit amount and the said valuable medium is accepted. When the charge amount specifying unit that specifies the charge amount to be charged to the valuable medium and the money for the charge amount are received from the predetermined money reception unit based on the charge target amount that is the difference from the electronic money balance of The charge processing unit is provided with a charge processing unit that charges the electronic money balance of the valuable medium with the amount of electronic money corresponding to the charge amount, and the charge processing unit uses the amount of money received from the money reception unit as the charge amount. When a predetermined operation is accepted in a state of less than, or when a predetermined time elapses without accepting an operation in a state where the amount of money received from the currency reception unit is less than the charge amount, the money is accepted from the currency reception unit. It is characterized in that the amount of electronic money corresponding to the amount of money is charged to the electronic money balance of the valuable medium .

Further, in the present invention, in the above invention, the identification information reading unit that reads the identification information recorded on the valuable medium received by the valuable medium receiving unit and the identification information of the valuable medium are provided to a predetermined electronic money management device. It is further provided with an electronic money balance acquisition unit for transmitting and acquiring the electronic money balance of the valuable medium.

Further, in the present invention, in the above invention, the electronic money balance of the valuable medium received by the valuable medium receiving unit, a plurality of amount selection buttons including the upper limit charge selection button, and the charge target amount are displayed on a predetermined display unit. It is characterized by further including a display control unit for controlling.

Further, in the present invention, in the above invention, when the amount of money received from the money receiving unit exceeds the charge amount, the charge processing unit pays the difference between the money amount and the charge amount as change. It is characterized by putting out.

Further, in the present invention, in the above invention, when the charge processing unit performs charge processing less than the charge amount, the notification that the charge up to the upper limit amount has not been performed and / or less than the charge amount. It is characterized in that the electronic money balance is notified after the charge processing of.

Further, in the present invention, in the above invention, when the debit payment with the charge amount as the settlement amount is performed, the charge processing unit uses the electronic money amount corresponding to the settlement amount as the electronic money balance of the valuable medium. It is characterized by charging processing.

Further, in the present invention, when the charge processing unit receives points for the charge amount, the charge processing unit charges the electronic money balance of the valuable medium with the electronic money amount corresponding to the points. It is characterized by.

Further, in the present invention, in the above invention, the charge amount specifying unit is set with a predetermined chargeable amount capable of charging electronic money at one time, and the charge target amount is less than the chargeable amount. In certain cases, the charge target amount is specified as the charge amount.

Further, in the present invention, in the above invention, the charge amount specifying unit is set to a predetermined chargeable amount that can charge electronic money at one time, and the charge target amount is equal to or more than the chargeable amount. In certain cases, the chargeable amount is specified as the charge amount.

Further, in the present invention, in the above invention, the charge amount specifying unit is set with a predetermined chargeable amount that can charge electronic money at one time, and the charge target amount is equal to or more than the chargeable amount. In a certain case, the charge target amount is specified as the charge amount, and the charge processing unit can charge the charge while subtracting the chargeable amount from the charge amount until the charge amount becomes less than the chargeable amount. It is characterized in that the charge of the amount is repeated, and when the charge amount becomes less than the chargeable amount, the charge amount is charged.

Further, the present invention manages an electronic money terminal device that charges electronic money corresponding to the valuable value to a valuable medium that values the electronic money, and manages the electronic money balance in association with the identification information of the valuable medium. It is an electronic money management system that is communicably connected to an electronic money management device, and the electronic money terminal device can value a valuable medium receiving unit that accepts the valuable medium and a preset valuable medium. When the selection operation to select the charge up to the maximum amount of electronic money is accepted, the charge to be charged to the valuable medium is based on the charge target amount that is the difference between the maximum amount and the electronic money balance of the valuable medium. When money for the charge amount is received from the charge amount specification unit that specifies the amount and the predetermined money reception unit , the electronic money amount corresponding to the charge amount is charged to the electronic money balance of the valuable medium. A charge processing unit is provided , and the charge processing unit receives a predetermined operation when the amount of money received from the money receiving unit is less than the charge amount, or the amount of money received from the money receiving unit. When a predetermined time elapses without accepting an operation in a state of less than the charge amount, the electronic money amount corresponding to the money received from the currency reception unit is charged to the electronic money balance of the valuable medium. It is characterized by.

Further, the present invention is an electronic money charging method for an electronic money terminal device that charges electronic money corresponding to the valuable value to a valuable medium for valuing electronic money, wherein the electronic money terminal device is said to be valuable. When the process of accepting valuable media that accepts media and the selection operation that selects the charge up to the maximum amount of electronic money that can be valued to the preset valuable media are accepted, the maximum amount and the electronic money balance of the valuable media are accepted. When the charge amount specifying process for specifying the charge amount to be charged to the valuable medium and the money for the charge amount are received from the predetermined money receiving unit based on the charge target amount forming the difference between The charge processing step includes a charge processing step of charging the electronic money balance of the valuable medium with the amount of electronic money corresponding to the minute , and the charge processing step is a state in which the amount of money received from the money receiving unit is less than the charge amount. When a predetermined operation is accepted in, or when a predetermined time elapses without accepting an operation when the amount of money received from the money reception unit is less than the charge amount, the amount of money received from the money reception unit It is characterized in that the amount of electronic money corresponding to the above is charged into the electronic money balance of the valuable medium .

According to the present invention, electronic money can be efficiently charged up to a preset upper limit.

FIG. 1 is an explanatory diagram for explaining the concept of the electronic money terminal device according to the present embodiment. FIG. 2 is a diagram showing an external configuration of an electronic money charging machine. FIG. 3 is a functional block diagram showing an internal configuration of the electronic commerce charging machine shown in FIG. 2. FIG. 4 is a configuration diagram showing the configuration of a banknote processing unit. FIG. 5 is an explanatory diagram of a specific example of display by the display operation unit. FIG. 6 is a functional block diagram showing the configuration of the electronic money management device shown in FIG. 1. FIG. 7 is an explanatory diagram of a specific example of the card data shown in FIG. FIG. 8 is a flowchart showing a processing procedure relating to the charging of electronic money. FIG. 9 is a flowchart showing a processing procedure of the upper limit charge processing when the charge amount is changed based on the charge limit. FIG. 10 is a flowchart showing a processing procedure of the upper limit charge processing when the charge amount is divided and charged. FIG. 11 is an explanatory diagram in the case of performing charge processing by debit settlement. FIG. 12 is an explanatory diagram for specifying the charge amount by designating a bill. FIG. 13 is an explanatory diagram of a modified example relating to the settlement of electronic money.

Hereinafter, preferred embodiments of the electronic money terminal device, the electronic money management system, and the electronic money charging method according to the present invention will be described in detail with reference to the accompanying drawings.

<Concept of electronic money terminal device>
First, the concept of the electronic money terminal device according to this embodiment will be described. FIG. 1 is an explanatory diagram for explaining the concept of the electronic money terminal device according to the present embodiment.

The electronic commerce charging machine 10 shown in FIG. 1 is an electronic commerce terminal device that is installed in a supermarket, a convenience store, or the like and performs an electronic commerce addition process, so-called charging, associated with an electronic commerce compatible card.

Specifically, when the electronic money charging machine 10 receives a card compatible with electronic money (S1), it reads the card ID, which is the identification information of the card, and sends it to the electronic money management device 20 to inquire about the balance (S2). ).

The electronic money management device 20 stores the balance of electronic money associated with the card ID, and when the balance inquiry is received from the electronic money charging machine 10, the electronic money management device 20 notifies the balance associated with the card ID (S3).

The electronic money charging machine 10 displays the balance notified from the electronic money management device 20 and accepts a charging operation from the user. Here, in addition to the charging operation in which the amount of money is specified, the electronic money charging machine 10 can accept the upper limit charging operation for requesting the charge up to the upper limit of the electronic money. The upper limit of electronic money indicates the upper limit of the balance of electronic money that can be associated with one card ID, and is, for example, 50,000 yen.

When the electronic money charging machine 10 receives the upper limit charging operation from the user (S4), the electronic money charging machine 10 calculates the charge amount from the difference between the balance and the upper limit (S5). Then, when the payment is received from the user (S6), the charge processing for the calculated charge amount is performed (S7).

As described above, the electronic money charging machine 10 which is the electronic money terminal device according to the present embodiment can accept the upper limit charging operation for requesting the charge up to the upper limit of the electronic money, and when the upper limit charging operation is accepted, the upper limit charging operation is accepted. Since the charge amount is calculated from the balance and the upper limit and the charge is executed, the user can efficiently charge the electronic money up to the preset upper limit by a simple operation.

<Configuration of electronic money charging machine 10>
Next, the appearance configuration of the electronic money charging machine 10 will be described. FIG. 2 is a diagram showing an external configuration of the electronic money charging machine 10. As shown in FIG. 2, the electronic money charging machine 10 includes a display operation unit 11, a voice output unit 12, a card reader / writer 13, a receipt printer 14, a bill insertion slot 31a, and a bill ejection port 32a.

The display operation unit 11 is an input / output unit such as a touch panel display that accepts input operations by displaying the screen and operating buttons or the like displayed on the screen. The voice output unit 12 is an output unit that outputs a voice operation guide, a caution message, and the like.

The card reader / writer 13 is a reader / writer that reads the contents stored in the non-contact type IC card and writes data in the non-contact type IC card, and corresponds to a valuable medium receiving unit within the scope of claims. The card reader / writer 13 is not of a type in which a non-contact IC card is inserted into the device, and data can be read / written by placing or bringing the non-contact IC card on or close to the card reader / writer 13. In the present embodiment, the storage medium of electronic money is described as a non-contact type IC card for convenience of explanation, but the present invention is not limited to this, and a contact-type IC card may be used, and the present invention is not limited to this. It may be in the form of a card such as a mobile phone having a built-in contact type IC chip.

The receipt printer 14 is a printing unit that issues a receipt or the like on which the charging result is printed. The bill insertion slot 31a is used for charging electronic money and is used for inserting bills. The banknote ejection port 32a is used for ejecting banknotes. Banknotes are thrown out for the purpose of, for example, returning banknotes that have already been inserted by canceling the charge, returning inappropriate banknotes such as unknown denominations, and paying out change.

Next, the internal configuration of the electronic money charging machine 10 shown in FIG. 2 will be described. FIG. 3 is a functional block diagram showing an internal configuration of the electronic commerce charging machine 10 shown in FIG. 2. As shown in FIG. 3, the electronic money charging machine 10 includes a display operation unit 11, a voice output unit 12, a card reader / writer 13, a receipt printer 14, a communication unit 15, a storage unit 16, a control unit 17, and a bill processing unit 30. Have. Here, the description of the display operation unit 11, the audio output unit 12, the card reader / writer 13, and the receipt printer 14 that have already been described will be omitted. The details of the banknote processing unit 30 for storing banknotes by denomination will be described later.

The communication unit 15 is an interface unit for communicating with the electronic money management device 20 via a predetermined communication line. The storage unit 16 is a storage device made of a non-volatile memory such as a flash memory or a secondary storage medium such as a hard disk device, and stores the amount data 16a, the charge history data 16b, and the deposit / withdrawal history data 16c.

The existing amount data 16a is data indicating the existing amount of each type of banknote stored in the banknote processing unit 30. The charge history data 16b is data showing the history of charges performed by the electronic money charging machine 10. The deposit / withdrawal history data 16c is data showing the history of deposit / withdrawal in the electronic money charging machine 10.

The control unit 17 is a control unit that controls the entire electronic money charging machine 10, and includes a display control unit 17a, a card data processing unit 17b, a charge amount specifying unit 17c, and a charge processing unit 17d.

The display control unit 17a is a processing unit that controls the content to be displayed on the display operation unit 11. For example, the display control unit 17a displays a message such as "Please put a card" on the display operation unit 11 on the standby screen. Then, when the card is placed, the display control unit 17a displays on the display operation unit 11 the balance of the electronic money, the operation button for accepting the charge amount designation operation for specifying the amount, the operation button for accepting the upper limit charge operation, and the like. .. Further, after the charge amount designation operation and the upper limit charge operation are received and the charge process is performed, the charge result is displayed on the display operation unit 11.

The card data processing unit 17b is a processing unit that processes data related to the card. Specifically, if the card ID is read by the card reader / writer 13, the card data processing unit 17b makes a balance inquiry by transmitting the read card ID to the electronic money management device 20, and makes an electronic money balance. To get. The balance notified from the electronic money management device 20 as a result of the balance inquiry is used for display by the display control unit 17a and for calculating the charge amount in the upper limit charge.

The charge amount specifying unit 17c is a processing unit that specifies the amount to be charged. When the charge amount specifying operation for specifying the amount is accepted, the charge amount specifying unit 17c specifies the specified amount as the charge amount. When the upper limit charge operation is accepted, the charge amount specifying unit 17c specifies the charge amount by calculating the charge amount from the difference between the balance and the upper limit.

Specifically, when the charge amount specifying unit 17c accepts the upper limit charge operation, the difference between the upper limit and the balance is obtained, and the charge amount is rounded down to the nearest unit of change. The electronic money charging machine 10 shown in FIG. 3 can deposit and withdraw banknotes, but since it does not support deposits and withdrawals of coins, the minimum unit of change is 1000 yen. Therefore, of the upper limit and balance, less than 1000 yen will be rounded down as a fraction. For example, if the upper limit is 5000 yen and the balance is 2100, the difference is 47900 yen, and the charge amount is 47000 yen in order to round off less than 1000 yen.

The electronic money charging machine 10 may be provided with a coin processing unit and may be configured to handle deposits and withdrawals of coins. If all denominations can be paid out as change corresponding to the deposit and withdrawal of coins, there is no need to round down the fractions, and the difference between the upper limit and the balance can be used as the charge amount. Further, even when dealing with the deposit and withdrawal of coins, the minimum unit of change may be limited and the minimum unit may be rounded down as a fraction. For example, when the minimum unit of change is limited to 100 yen, less than 100 yen is rounded down.

Here, in the electronic money, a predetermined chargeable amount that can charge the electronic money at one time may be set as a charge limit. For example, if a charge limit is set so that the possible amount of one charge is 25,000 yen, charging with a charge amount exceeding 25,000 yen cannot be executed.

If the charge amount calculated based on the upper limit charge operation exceeds the charge limit, the charge process is performed according to the charge limit. For example, if the charge amount calculated from the upper limit and the balance is 47,000 yen and the charge limit is 25,000 yen, the amount of the charge to be executed will be 25,000 yen.

When the charge amount calculated based on the upper limit charge operation exceeds the charge limit, the electronic money charging machine 10 may be configured to divide the charge into a plurality of times and perform charge processing. That is, if the charge amount calculated from the upper limit and the balance is 47,000 yen and the charge limit is 25,000 yen, a charge of 25,000 yen and a charge process of 22,000 yen will be performed to finally realize a charge of 47,000 yen. To do.

The charge processing unit 17d is a processing unit that accepts deposits after the charge amount is specified by the charge amount specifying unit 17c and performs charge processing when the total amount (deposited amount) of the deposited banknotes is equal to or greater than the charge amount. The charge process is performed by transmitting the card ID and the charge amount to the electronic money management device 20.

Further, when the deposit amount exceeds the charge amount, the charge processing unit 17d causes the bill processing unit 30 to pay out the change. When the user performs a predetermined operation while the deposit amount is less than the charge amount, the charge process for the deposit amount may be performed and the process can be completed. Similarly, even when a predetermined time elapses without accepting an operation when the deposit amount is less than the charge amount, the charge process for the deposit amount may be performed to end the process. In this way, when the deposit amount is less than the charge amount and the charge processing for the deposit amount is performed, the charge up to the upper limit is not performed and the electronic money balance after the charge processing is notified. Is desirable.

When the charge processing is performed, the charge processing unit 17d can have the receipt printer 14 issue a receipt on which the charge result is printed.

Next, the details of the banknote processing unit 30 will be described. FIG. 4 is a configuration diagram showing the configuration of the banknote processing unit 30. As shown in FIG. 4, the banknote processing unit 30 includes a banknote receiving unit 31, a banknote payout unit 32, a cassette mounting unit 33, a withdrawal reject unit 34, a circular transport unit 35, and a banknote identification unit 36. It has a bill storage unit 37 for each denomination.

The bill receiving unit 31 is a processing unit that accepts the insertion of bills into the bill insertion slot 31a and feeds the bills one by one to the circular transport unit 35. The bill payout unit 32 temporarily stores the bills transported one by one from the circular transport unit 35, and when all the bills to be paid out are prepared, the bills are dispensed from the bill outlet 32a. It is a processing unit.

The cassette mounting unit 33 can be attached to and detached from the storage cassette 40 used for collecting sales and replenishing change. The withdrawal reject unit 34 collects banknotes that are not suitable for withdrawal, such as the denomination cannot be identified. For example, among the banknotes drawn out from the banknote storage unit 37 during the withdrawal process, the banknotes that could not be identified by the banknote identification unit 36 due to a transport abnormality such as double feeding or skewing are transported to the withdrawal reject unit 34. Will be done. Of the banknotes taken in from the banknote receiving unit 31, the banknotes that could not be identified by the banknote identification unit 36 due to stains or the like at the time of deposit processing are returned to the banknote payout unit 32 as deposit rejected banknotes.

Corresponding denominations are set in each of the plurality of bill storage units 37, and bills of the set denomination can be stored and the stored bills can be delivered one by one.

The circular transport unit 35 has an annular circular transport path, and includes a bill receiving section 31, a bill payout section 32, a cassette mounting section 33, a withdrawal reject section 34, a plurality of banknote storage sections 37, and a circular transport path. A connection transport path is provided between them. Further, the circular transport path is provided with a bill identification unit 36 for identifying the denomination, authenticity, correctness / loss, front / back, transport state, etc. of the bill.

The circular transport unit 35 can transport bills one by one by rotationally driving the circumferential transport path in the clockwise direction and the counterclockwise direction in FIG. Specifically, when the banknotes are stored in the bill storage unit 37, the circuit transport path is rotationally driven clockwise in FIG. 4, and when the banknotes are fed out from the banknote storage unit 47, the circuit transport path is shown in FIG. It will be driven to rotate counterclockwise in. In addition to the rotation drive control, the circular transport unit 45 controls the transport destination of the banknotes by switching the banknote transport path between the circular transport path and each connected transport unit.

Next, a specific example of the display by the display operation unit 11 will be described. FIG. 5 is an explanatory diagram of a specific example of display by the display operation unit 11. FIG. 5 shows a specific example of a screen for specifying the charge amount to be displayed when a card is placed on the card reader / writer 13.

On this screen for specifying the charge amount, the message "Please touch the desired charge amount for electronic money charge", "Electronic money balance 2100 yen", 5 operation buttons for specifying the charge amount, and the upper limit. The operation button for charging and the message "The upper limit of electronic money is 50,000 yen" are displayed. In addition, the five operation buttons for specifying the charge amount correspond to "1,000 yen", "2,000 yen", "3,000 yen", "5,000 yen", and "10,000 yen", respectively. do.

In this way, on the screen for specifying the charge amount, six operation buttons are displayed, and the user selects and operates one of them to specify the charge amount without performing complicated operations such as inputting the amount. can do. In addition, since the number of operation buttons is reduced to six and all of them are contained in one screen, it is easy to recognize the displayed contents and the operability is improved. Further, since the operation button for the upper limit charge is included in the six operation buttons, the user can charge up to the upper limit with one operation. The amount of money required for the upper limit charge may be displayed on or near the operation button for the upper limit charge.

In FIG. 5, the operation button for the upper limit charge is shown with the characters "upper limit charge", but the operation button for the upper limit charge is displayed to indicate the upper limit, for example, "up to 50,000 yen". It may be a mode, or it may be a display mode showing the difference between the upper limit and the balance, such as "47,900 yen".

<Configuration of electronic money management device 20>
Next, the configuration of the electronic money management device 20 shown in FIG. 1 will be described. FIG. 6 is a functional block diagram showing the configuration of the electronic money management device 20 shown in FIG. As shown in FIG. 6, the electronic money management device 20 includes a display unit 21, an operation unit 22, a communication unit 23, a storage unit 24, and a control unit 25.

The display unit 21 is a display device including a touch panel color liquid crystal display and the like, and the operation unit 22 is an input device including a mouse, a keyboard and the like. The communication unit 23 is an interface unit for communicating with an electronic money charging machine 10 or an electronic money terminal device that uses electronic money for payment via a predetermined communication line.

The storage unit 24 is a storage device including a hard disk device, a non-volatile memory, and the like, and stores card data 24a. The card data 24a is data in which the balance of electronic money and the processing history are associated with the card ID.

The control unit 25 is a control unit that performs overall control of the electronic money management device 20, and includes a balance inquiry execution unit 25a, a charge execution unit 25b, and a settlement execution unit 25c. Actually, the programs corresponding to these functional units are stored in a ROM or non-volatile memory (not shown), and these programs are loaded into the CPU (Central Processing Unit) and executed to execute the balance inquiry execution unit 25a. , The charge execution unit 25b and the settlement execution unit 25c are to execute the corresponding processes, respectively.

The balance inquiry execution unit 25a is a processing unit that executes processing related to the balance inquiry of electronic money. Specifically, the balance inquiry execution unit 25a is associated with the card ID when the balance inquiry with the specified card ID is received from the electronic money charging machine 10 or the electronic money terminal device that uses the electronic money for payment. The balance of electronic money is read from the card data 24a and notified.

The charge execution unit 25b is a processing unit that executes processing related to charging of electronic money. Specifically, when the charge execution unit 25b receives a charge request specifying a card ID and a charge amount from a device having a charge function such as an electronic money charging machine 10, the electronic money associated with the card ID is used. The charge amount is added to the balance to update the card data 24a.

The settlement execution unit 25c is a processing unit that executes processing related to the settlement of electronic money. Specifically, when the payment execution unit 25c receives a charge request specifying the card ID and the payment amount from the electronic money terminal device that uses the electronic money for payment, the balance of the electronic money associated with the card ID is received. The payment amount is subtracted from the card data 24a to update the card data 24a.

FIG. 7 is an explanatory diagram of a specific example of the card data 24a shown in FIG. As shown in FIG. 7, the card data 24a is data in which the balance of electronic money and the processing history are associated with the card ID. Further, the processing history includes a date and time, a type, an amount of money, and a processing device ID.

In FIG. 7, the balance of the card ID “C0001” is “2100”, and the amount “3000” is charged by the device of the processing device ID “T0322” at the date and time “2017/7/27 09:03”. It shows a state in which the amount of money "900" is settled by the device of the processing device ID "T0055" at "2017/7/27 13:27".

Next, the processing procedure related to the charging of electronic money will be described. FIG. 8 is a flowchart showing a processing procedure relating to the charging of electronic money. First, if a card is placed on the card reader / writer 13 of the electronic money charging machine 10 and the card reader / writer 13 reads the card ID, the card data processing unit 17b reads the card ID read by the card reader / writer 13. Acquired (step S101), the acquired card ID is transmitted to the electronic money management device 20, the balance is inquired, and the balance is notified (step S102).

After that, the charge amount specifying unit 17c determines whether or not the upper limit charge operation by the user has been accepted (step S103). When the upper limit charge operation is accepted (step S103; Yes), the upper limit charge process for calculating the charge amount from the balance and the upper limit and executing the charge is performed (step S105). The details of this upper limit charge process will be described later.

When the upper limit charge operation is not accepted (step S103; No), the charge amount specifying unit 17c determines whether or not the charge amount designation operation by the user has been accepted (step S104). If the charge amount designation operation is not accepted (step S104; No), the charge amount specifying unit 17c proceeds to step S103.

When the charge amount designation operation is accepted (step S104; Yes), the charge processing unit 17d accepts the deposit (step S106), and when the total amount of the deposited bills (deposit amount) is equal to or more than the charge amount. The charge process of the charge amount is performed (step S107).

After step S105 or step S107, the charge processing unit 17d determines whether or not the deposit amount exceeds the charge amount (step S108), and if the deposit amount exceeds the charge amount (step S108; Yes). ), The difference between the deposit amount and the charge amount is paid out to the banknote processing unit 30 as change (step S109), and the processing is completed. If the deposit amount does not exceed the charge amount (step S108; No), the charge processing unit 17d ends the processing as it is. At the end of the process, the receipt printer 14 may issue a receipt on which the charge result is printed.

Next, the details of the upper limit charge process shown in FIG. 8 will be described. In the upper limit charge process, the charge amount calculated from the upper limit and the balance may exceed the charge limit. If the charge amount calculated from the upper limit and the balance exceeds the charge limit, the charge amount may be changed based on the charge limit, or the charge amount may be divided and charged.

FIG. 9 is a flowchart showing a processing procedure of the upper limit charge processing when the charge amount is changed based on the charge limit. In the processing procedure shown in FIG. 9, when the upper limit charge processing is started, the charge amount specifying unit 17c calculates the difference between the upper limit and the balance (step S201), and if necessary, uses less than the minimum unit of change as a fraction. The amount to be charged is calculated by rounding down (step S202).

If the calculated charge target amount is equal to or less than the charge limit (step S203; Yes), the charge amount specifying unit 17c sets the charge target amount as the charge amount (step S205). On the other hand, if the calculated charge target amount exceeds the charge limit (step S203; No), the charge limit is set as the charge amount (step S204).

After step S204 or step S205, the charge processing unit 17d accepts the deposit (step S206), and when the total amount of the deposited bills (deposit amount) is equal to or more than the charge amount, the charge processing unit 17d performs the charge processing of the charge amount (step S206). Step S207), the upper limit charge process is terminated, and the process returns to the original process.

FIG. 10 is a flowchart showing a processing procedure of the upper limit charge processing when the charge amount is divided and charged. In the processing procedure shown in FIG. 10, when the upper limit charge processing is started, the charge amount specifying unit 17c calculates the difference between the upper limit and the balance (step S301), and if necessary, uses less than the minimum unit of change as a fraction. The amount to be charged is calculated by rounding down (step S302). Then, the charge target amount is set as the charge amount (step S303).

After step S303, the charge processing unit 17d accepts the deposit (step S304), and if the total amount of the deposited bills (deposit amount) is equal to or greater than the charge amount, whether or not the charge amount is equal to or less than the charge limit. Is determined (step S305).

If the charge amount exceeds the charge limit (step S305; No), the charge processing unit 17d performs charge processing for the charge limit (step S306). After that, the charge processing unit 17d subtracts the charge limit from the charge amount to update the charge amount (step S307), and proceeds to step S305.

If the charge amount is equal to or less than the charge limit (step S305; Yes), the charge processing unit 17d performs the charge processing of the charge amount (step S308), ends the upper limit charge processing, and returns to the original processing. The update of the charge amount in step S307 is temporary for realizing the divided charge of the charge amount, and the charge amount is returned to the value calculated in step S303 at the end of the upper limit charge.

<Modification example>
In the explanation so far, the case where the deposit of banknotes is accepted and the charge process is performed has been described as an example, but the charge process may be performed by debit settlement instead of the deposit of banknotes. FIG. 11 is an explanatory diagram in the case of performing charge processing by debit settlement.

The electronic money charging machine 10 for supporting debit payment is communicably connected to the debit payment management device 50. Further, the debit payment management device 50 is connected to one or more bank servers 60 via a predetermined network (CAFIS network). The bank server 60 includes a server of a financial institution in which a user has opened a deposit account.

When the user charges by debit payment, the electronic money charging machine 10 acquires account data for identifying the account for debit payment from a cash card or the like instead of accepting the payment shown in FIG. 1, and debits. A debit payment request is transmitted to the payment management device 50 (S11). In addition to the account data, the debit settlement request includes the charge amount specified by the charge amount specifying unit 17c as the settlement amount.

When the debit payment management device 50 receives the debit payment request from the electronic money charging machine 10, the debit payment management device 50 executes debit payment using the balance of the account specified by the account data (S12). If the balance of the deposit account specified by the account data is equal to or greater than the settlement amount indicated in the debit settlement request, the settlement amount is deducted from the deposit account and the settlement amount is transferred to the deposit account of the electronic money administrator. Then, the clearing center (not shown) completes the debit settlement by clearing the withdrawal from the user's deposit account and the transfer of the electronic money to the deposit account of the administrator. On the other hand, if the balance of the deposit account specified by the account data is less than the settlement amount indicated in the debit settlement request, the debit settlement will fail and the settlement amount will not be deducted from the deposit account.

The debit payment management device 50 transmits the result of the debit payment to the electronic money charging machine 10 (S13). That is, if the debit settlement is successful, the success of the debit settlement is transmitted as the debit settlement result, and if the balance of the deposit account specified by the account data is less than the settlement amount indicated in the debit settlement request, the debit is debited. A payment failure will be sent as a debit payment result.

The electronic money charging machine 10 receives the debit payment result from the debit payment management device 50, and when the debit payment is successful, charges the payment amount (S14).

Next, a modified example of the method of specifying the charge amount will be described. In the explanation so far, on the screen for specifying the charge amount, it is like "1,000 yen", "2,000 yen", "3,000 yen", "5,000 yen", "10,000 yen". Although the configuration for displaying the operation button indicating the amount of money has been described in the above, the charge amount may be specified by accepting the designation of the bill to be deposited.

FIG. 12 is an explanatory diagram for specifying the charge amount by designating a bill. On the screen for specifying the charge amount shown in FIG. 12, enter the message "Please specify the bill to be charged with the electronic money charge", "Electronic money balance 2100 yen", and the number of 10,000 yen bills to be inserted. Operation buttons for inputting, operation buttons for inputting the number of inserted 5,000-yen banknotes, operation buttons for inputting the number of inserted 2,000-yen banknotes, and operations for inputting the number of inserted 1,000-yen banknotes. A button, an operation button for starting the charge process, an operation button for stopping the charge process, and a message "The upper limit of electronic money is 50,000 yen" are displayed.

If the screen for specifying the charge amount shown in FIG. 12 is used, the user inputs the denomination and the number of banknotes in advance before making a deposit, so that the user can avoid making an excessive deposit and change. Can be suppressed. The screen shown in FIG. 12 may be further provided with a button for upper limit charging.

Next, a modified example relating to the settlement of electronic money will be described. FIG. 13 is an explanatory diagram of a modified example relating to the settlement of electronic money. Some electronic commerce terminal devices have both a charging function and a payment function, and some have only one. If the balance becomes insufficient when making a payment with an electronic commerce terminal device having only a payment function, it is necessary to temporarily stop the payment and charge the electronic commerce terminal device having a charging function, which is a heavy burden on the user.

Therefore, as shown in FIG. 13, even when the balance of electronic money is less than the settlement amount, the convenience of the user can be improved by permitting the settlement within a predetermined condition. Specifically, the settlement is permitted under the two conditions of "the balance before settlement is equal to or higher than the predetermined value" and "the difference between the settlement amount and the balance does not exceed the deposit". Here, the deposit is a deposit collected when issuing a card compatible with electronic money and refunded when the card is returned. The amount of the deposit may be stored in the card itself, for example.

FIG. 13A shows a method of separately managing a negative balance as a method of permitting payment when the balance of electronic money is less than the payment amount. In this case, when the balance of the electronic money exceeds 0, the balance is displayed as it is, and the negative balance is held as a value different from the normal balance of the electronic money. Specifically, in FIG. 13A, the settlement of 500 yen is performed with the balance "400" and the negative balance "0". In this case, the displayed balance before settlement is "400", and after settlement, the normal balance is "0" and the negative balance is "100", so that the displayed balance is "-100". The negative balance may be managed by the electronic money management device 20 or may be stored in the card.

As another method of permitting payment when the balance of electronic money is less than the payment amount, FIG. 13B shows a method of managing the balance including the deposit and subtracting the deposit from the balance. .. Specifically, in FIG. 13B, a settlement of 500 yen is made with a balance of "900" and a deposit of "500". In this case, the displayed balance before settlement is "400", and after settlement, the balance is "400", of which the deposit is "500" and the displayed balance is "-100".

As described above, even if the displayed balance of the electronic money is less than the settlement amount, if the settlement is permitted within the range of the predetermined conditions, the settlement with the displayed balance having a negative value can be performed. In addition, when the displayed balance becomes a negative value due to settlement, a warning is displayed, and by not allowing the settlement from the state where the displayed balance is a negative value, abuse of the settlement where the displayed balance becomes a negative value is abused. Can be prevented.

As described above, in the present embodiment, the electronic commerce can be efficiently charged up to the upper limit on condition that the selection operation for selecting the charge up to the preset upper limit of the electronic money is accepted.

Specifically, when the card is accepted by the card reader / writer 13 and the selection operation of the upper limit charge selection button for selecting the upper limit charge of electronic money (upper limit charge operation) is accepted, the difference between the upper limit and the balance of electronic money is calculated. When the charge amount to be charged to the card is specified based on the charge target amount and the valuable value (banknotes, etc.) of the charge amount is received, the electronic money amount corresponding to the valuable value is the electronic money balance of the card. It is configured to be charged.

In this embodiment, a configuration in which a card is used as a valuable medium for valuing electronic money has been described as an example, but the card may have any shape such as an IC card or a non-contact IC card. Further, not limited to the card, any medium such as a mobile terminal can be used as a valuable medium for valuing electronic money.

Further, in the present embodiment, the configuration in which the balance of electronic money is stored and managed by the electronic money management device 20 has been described as an example, but the balance of electronic money may be managed by storing it in a valuable medium. However, the storage by the electronic money management device 20 and the storage by the valuable medium may be used in combination for management.

Further, according to this embodiment, the user's operability is improved by controlling the display of the electronic money balance, a plurality of amount selection buttons including the upper limit selection button, the charge target amount, and the like on a predetermined display unit. There is.

In this embodiment, the explanation has been given by depositing banknotes and debit settlement as an example, but electronic money may be charged by depositing coins or converting points given as a privilege.

Further, each configuration shown in the above embodiment is a schematic function, and does not necessarily have to be physically shown. That is, the form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / integrated in any unit according to various loads and usage conditions. Can be configured.

As described above, the electronic money terminal device, the electronic money management system, and the electronic money charging method are suitable for efficiently charging electronic money up to a preset upper limit amount.

10 Electronic money charging machine 11 Display operation unit 12 Audio output unit 13 Card reader / writer 14 Receipt printer 15, 23 Communication unit 16, 24 Storage unit 16a Current amount data 16b Charge history data 16c Deposit / withdrawal history data 17, 25 Control unit 17a Display Control unit 17b Card data processing unit 17c Charge amount specification unit 17d Charge processing unit 20 Electronic money management device 21 Display unit 22 Operation unit 24a Card data 25a Balance inquiry execution unit 25b Charge execution unit 25c Payment execution unit 30 Banknote processing unit 31 Banknote acceptance Part 31a Banknote slot 32 Banknote payout 32a Banknote slot 33 Cassette mounting 34 Withdrawal reject section 35 Circular transport section 36 Banknote identification section 37 Banknote storage section 40 Storage cassette 50 Debit payment management device 60 Bank server

Claims (12)

It is an electronic money terminal device that charges electronic money corresponding to the valuable value to a valuable medium that values electronic money.
The valuable media reception unit that accepts the valuable media and
When the selection operation of the upper limit charge selection button that selects the charge up to the upper limit of the electronic money that can be valued to the preset valuable medium is accepted, the difference between the upper limit and the electronic money balance of the valuable medium is calculated. A charge amount specifying unit that specifies the charge amount to be charged to the valuable medium based on the charge target amount to be charged.
When the money for the charge amount is received from the predetermined money reception unit, the charge processing unit that charges the electronic money amount corresponding to the charge amount to the electronic money balance of the valuable medium.
Equipped with
The charge processing unit is
When a predetermined operation is accepted when the amount of money received from the money reception unit is less than the charge amount, or when the amount of money received from the money reception unit is less than the charge amount, the operation is not accepted. When the predetermined time has elapsed, the amount of electronic money corresponding to the amount of money received from the money receiving unit is charged to the electronic money balance of the valuable medium.
An electronic commerce terminal device characterized by this. An identification information reading unit that reads the identification information recorded on the valuable medium received by the valuable medium receiving unit, and the identification information reading unit.
The first aspect of the present invention is characterized in that the electronic commerce balance acquisition unit for transmitting the identification information of the valuable medium to a predetermined electronic commerce management device and acquiring the electronic commerce balance of the valuable medium is further provided. Electronic money terminal device. Further provided with an electronic commerce balance of the valuable medium received by the valuable medium receiving unit, a plurality of amount selection buttons including the upper limit charge selection button, and a display control unit for displaying and controlling the charge target amount on a predetermined display unit. The electronic commerce terminal device according to claim 1 or 2 . The charge processing unit is
One of claims 1 to 3 , wherein when the amount of money received from the money receiving unit exceeds the charge amount, the difference between the amount of money and the charge amount is paid out as change. The electronic money terminal device described in. The charge processing unit is
When the charge processing of less than the charge amount is performed, the notification that the charge up to the upper limit amount has not been performed and / or the notification of the electronic money balance after the charge processing of less than the charge amount is performed. The electronic commerce terminal device according to any one of claims 1 to 4, which is characterized. The charge processing unit is
Any of claims 1 to 5 , wherein when a debit payment is made with the charge amount as the payment amount, the electronic money amount corresponding to the payment amount is charged to the electronic money balance of the valuable medium. The electronic money terminal device described in one. The charge processing unit is
The invention according to any one of claims 1 to 6 , wherein when the points corresponding to the charge amount are received, the electronic money amount corresponding to the points is charged to the electronic money balance of the valuable medium. Electronic money terminal device. The charge amount specifying part is
When a predetermined chargeable amount that can charge electronic commerce at one time is set and the chargeable amount is less than the chargeable amount, the chargeable amount is specified as the charge amount. The electronic commerce terminal device according to any one of claims 1 to 7 . The charge amount specifying part is
When a predetermined chargeable amount that can charge electronic commerce at one time is set and the chargeable amount is equal to or greater than the chargeable amount, the chargeable amount is specified as the charge amount. The electronic commerce terminal device according to any one of claims 1 to 7 . The charge amount specifying part is
When a predetermined chargeable amount that can charge electronic commerce at one time is set and the chargeable amount is equal to or greater than the chargeable amount, the chargeable amount is specified as the charge amount.
The charge processing unit is
Until the charge amount becomes less than the chargeable amount, the chargeable amount is repeatedly charged while subtracting the chargeable amount from the charge amount, and when the charge amount becomes less than the chargeable amount, the chargeable amount is described. The electronic commerce terminal device according to claim 8 or 9 , wherein the charge amount is charged. An electronic money terminal device that charges electronic money corresponding to the valuable value to a valuable medium that values electronic money, and an electronic money management device that manages the electronic money balance in association with the identification information of the valuable medium. It is an electronic money management system that is connected so that it can communicate.
The electronic money terminal device is
The valuable media reception unit that accepts the valuable media and
A charge that is the difference between the maximum amount and the electronic commerce balance of the valuable medium when a selection operation is accepted to select a charge up to the maximum amount of electronic money that can be valued to the preset valuable medium. A charge amount specifying unit that specifies the charge amount to be charged to the valuable medium based on the target amount, and
It is provided with a charge processing unit that charges the electronic money balance of the valuable medium with the electronic money amount corresponding to the charge amount when the money for the charge amount is received from the predetermined money reception unit .
The charge processing unit is
When a predetermined operation is accepted when the amount of money received from the money reception unit is less than the charge amount, or when the amount of money received from the money reception unit is less than the charge amount, the operation is not accepted. When the predetermined time has elapsed, the amount of electronic money corresponding to the amount of money received from the money receiving unit is charged to the electronic money balance of the valuable medium.
An electronic money management system characterized by this. It is an electronic money charging method of an electronic money terminal device that charges electronic money corresponding to the valuable value to a valuable medium that values electronic money.
The valuable medium receiving process in which the electronic money terminal device receives the valuable medium, and
When the selection operation to select the charge up to the maximum amount of electronic money that can be valued to the preset valuable medium is accepted, the charge target amount that is the difference between the maximum amount and the electronic money balance of the valuable medium Based on the charge amount specifying process that specifies the charge amount to be charged to the valuable medium,
Including a charge processing step of charging the electronic money balance of the valuable medium with the electronic money amount corresponding to the charge amount when the money for the charge amount is received from the predetermined money reception unit .
The charge processing step is
When a predetermined operation is accepted when the amount of money received from the money reception unit is less than the charge amount, or when the amount of money received from the money reception unit is less than the charge amount, the operation is not accepted. When the predetermined time has elapsed, the amount of electronic money corresponding to the amount of money received from the money receiving unit is charged to the electronic money balance of the valuable medium.
An electronic money charging method characterized by that .

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