CN101595501A - Electronic money charging system, electronic money are supplemented issuance management system and electronic money business system with money - Google Patents
Electronic money charging system, electronic money are supplemented issuance management system and electronic money business system with money Download PDFInfo
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- CN101595501A CN101595501A CNA2007800505998A CN200780050599A CN101595501A CN 101595501 A CN101595501 A CN 101595501A CN A2007800505998 A CNA2007800505998 A CN A2007800505998A CN 200780050599 A CN200780050599 A CN 200780050599A CN 101595501 A CN101595501 A CN 101595501A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
Abstract
In the electronic money charging system, when receiving when entrusting from the distribution of the electronic money of portable terminal, the electronic money issuance management system is supplemented recharge amount with money with electronic money trust numbering receives, the recharge amount that will deposit in to financial institution's account of electronic money operator from financial institution's account of client, described trust numbering and identification code are stored in account together and deposit and withdraw in the information-storing device, subsequently, the deposit that is deposited in described recharge amount with financial institution's account of described electronic money operator is a condition, via communicator electronic money is issued to described portable terminal from described electronic money business system, when the inquiry of receiving from client, confirm to have no effects according to being stored in described trust numbering and the identification code that the account deposits and withdraws in the information-storing device, under the situation that has deposit,, receive that electronic money business system after the recommitting of distribution is according to the situation of the collecting distribution electronic money that is stored in the described electronic money distribution collection information memory storage to recommitting that the electronic money business system is issued.
Description
Technical field
The present invention relates to utilize the electronic money charging system of portable terminals such as mobile phone.
Background technology
In recent years, by contactless IC card being carried on mobile phone the electronic money service that begins to move.Wait until in the payment of convenience store, coffee shop etc. and can both simply and expediently use from taking electric car, aircraft, taxi by a mobile phone, and solved electronic money charging system in the past and be confined to the problem that the place is set of isolated plant or ticket machine etc., therefore enlarged the scope of utilizing owing to no matter when, where can both supplement (distribution) with money.
At this, utilizing in the middle of the supplementing with money of mobile phone, at first, the user is connected IC-card on the mobile phone of oneself, has the financial institution system of the account of oneself via the mobile phone access to netwoks, and supplementing with money of electronic money carried out in request.
The financial institution system of accepting request is determined user's account, after authenticating based on password, confirms account balance and generates the electric currency information corresponding with the charging request amount of money.Utilize predetermined algorithm with this information encryption and be sent to the user's mobile phone machine.The electric currency information that sends is decrypted and be kept in the IC-card by mobile phone.Thus, can utilize electronic money to pay.
As mentioned above, electronic-monetary system is pursued convenience and is developed, and on the other hand, has also developed the technology (TOHKEMY 2006-65620) of the user's who prevents mobile phone effectively illegal act.And, developed the technology (TOHKEMY 2003-296646) that the user who prevents mobile phone unlawfully supplements electric currency information with money.Further, also developed the technology (TOHKEMY 2006-221295) of avoiding unlawfully utilizing the electric currency information of between mobile phone, supplementing with money.
Yet, though the electronic money that utilizes mobile phone must be supplemented numerical value (amount of money of electronic money) with money reliably generally speaking all via unsettled network.The technology that is conceived to this point is not known as yet.
That is, compare with the direct communication between the IC-card read write line, so-called mobile network's communication is unsettled.At the additive operation of numerical value and subtraction midway, electric wave interrupts, the mobile phone battery does not have the possibility of communication disruption such as electricity, main shut-down system very big.Carry out additive operation and subtraction even under this communication condition, also need reliably logarithm value.So-called reliable, mean that additive operation and subtraction can not repeat and the data of additive operation and subtraction can not disappear.
Herein, Fig. 7 is the block diagram that is used to illustrate problem to be solved by this invention.In the figure, 1 mobile phone of being held for client A.2 for having the financial institution of the savings account that savings account that client A contracted and electronic money operator contracted, and it has the account information database 6 of depositing and withdrawing.
3 for accepting charging request from mobile phone 1, be connected between financial institution 2 and the electronic money described later operator and the electronic money distribution management company that controls the two and carry out electronic money distribution management via communication line, and it has electronic money of accepting treatment situation that the store electrons note issuance entrusts and accepts process database 8.
4 for carrying out the electronic money operator that electronic money is collected management, and it has the electronic money distribution collection information database 7 of the situation of collecting of store electrons currency.5 for carrying the contactless IC chip in mobile phone 1.
Then, the order that client A is supplemented with money electronic money in the mobile phone 1 describes.At first, client A carries contactless IC chip 5 in mobile phone 1.In the electronic money zone of this contactless IC chip 5, store the intrinsic identification code (123) of this contactless IC chip 5, and establish that to preserve the amount of money be 0 yen.And then establishing client A recharge amount is 1000 yen.
(1) at first, client A use mobile phone 1 and electronic money distribution management company 3 carry out network and are connected, and supplement trust (distribution is entrusted) with money.The data that send are: supplement payment account information (7890), the amount of money (1000 yen) of supplementing with money and the identification code (123) of contactless IC chip 5 etc. of entrusting the client self in numbering (40), the financial institution 2 with money.
(2) then, these information is received by electronic money distribution management company 3, and is connected with financial institution 2 via network, settles accounts trust.The data that send are the payment account information (7890) of client A and the amount of money (1000 yen) of supplementing with money etc.These information is received by financial institution 2, and from payment account the account (5678) of electronic money operator 4 is moved 1000 yen, finishes clearing.Simultaneously, financial institution 2 will deposit 1000 yen deposit information in to the account (5678) of electronic money operator 4 from payment account (7890) and be stored in account and deposit and withdraw the information database 6.
(3) then, financial institution 2 will entrust these clearing and whether carry out correctly the information of clearing (OK/NG) and answer to electronic money and issue management company 3.If Sorry, your ticket has not enough value in the payment account (7890) then answer is NG herein.
(4) if receive the answer of OK, then 3 pairs of electronic money operators 4 of electronic money distribution management company have added above-mentioned supplementing with money and have entrusted the identification code (123) of numbering (40), contactless IC chip, the electronic money distribution trust of recharge amount (1000 yen).This electronic money distribution trust is received by electronic money operator 4, with above-mentioned supplement identification code (123), the recharge amount (1000 yen) of entrusting numbering (40), the contactless IC chip corresponding with money and collect situation (being " not collecting ") at current time with it be stored in the electronic money distribution collection information database 7, carry out the distribution preparation that electronic money is supplemented with money.
(5) then, electronic money operator 4 will entrust the information of whether correctly having carried out distribution preparation (OK/NG) to answer to electronic money distribution management company 3 to this electronic money distribution.
(6) receive whether electronic money distribution 3 couples of client A of management company after this information will correctly carry out distribution equally and prepare the information of (OK/NG) and answer the A to client.
(7) then, client A collects request by using 1 pair of electronic money operator of mobile phone, 4 transmission identification codes (123) to carry out electronic money.
(8) this identification code is received and the data of electronic money that distribution is finished are sent to the mobile phone 1 of client A by electronic money operator 4.Simultaneously, the situation of collecting that is stored in the electronic money distribution collection information database 7 is not updated to " collect and finish " from " collecting ".Thus, to 1000 yen of the preservation money chargings (distribution) in the electronic money zone of contactless IC chip 5-2, thereby the client A that holds mobile phone 1 can utilize electronic money to pay.
That is, in utilizing mobile network's shown in Figure 7 electronic money charging system, as mentioned above, exist in the additive operation of numerical value and the possibility that electric wave midway interrupts, the mobile phone battery does not have communication disruption such as electricity, main shut-down system of subtraction.This situation might occur in the various moment of the step of (1)～(8).
For example, angle from electronic money distribution management company 3, though entrust under (2), the situation that still answer of (3) not have to arrive financial institution 2 having been carried out clearing, unclear is after arrival the other side fault to have taken place, in the transmission stage fault has taken place.And, answer for (6), from the angle of electronic money distribution management company 3, can know that having accepted the correct of (1) from client A supplements trusts (distribution is entrusted) with money, but the unclear answer of whether having carried out processing subsequently, (6) arrival whether correctly.
Wherein, on this aspect of service to client, maximum problem is, though correctly carried out the communication of (1), (2), as among Fig. 7 * mark shown in, exist in (3)～some steps of the step of (8) in the situation of communication disruption.That is,, cut deposit, do not supplemented with money the situation of (distribution) electronic money in the mobile phone 2 though produce from the account of oneself sometimes from the angle of client A.
Summary of the invention
Even the invention provides a kind of electronic money charging system that this situation also can be recovered reliably that takes place.
In addition, in Fig. 7 (7), (8), exist produce that collecting request of above-mentioned electronic money (7) is received by electronic money operator 4 but subsequently electronic money distribution (8) in interruption midway of communication, electronic money is the possibility of unissued situation also.From the angle of client A, this state is to have sent the electronic money request of collecting (7), but electronic money and unissued state.
Yet, for this state, concerning client A, the answer (6) that its distribution preparation that receives electronic money has correctly been finished, and, concerning electronic money operator 4, the situation of the collecting hurdle of electronic money distribution collection information database 7 is the state of " not collecting ", so there is not contradiction in the understanding of the two.Therefore, send the electronic money request of collecting (7) for many times by client A and can eliminate this problem.
In order to address this is that, the present invention will entrust numbering (40) from supplementing with money of client, identification code (123) with the contactless IC chip corresponding with it, recharge amount (1000 yen) and collecting in the electronic money distribution collection information database 7 that situation (" not collecting " still is " collect and finish ") is stored in electronic money operator 4, further, to supplement the identification code (123) of entrusting numbering (40) and contactless IC chip and treatment situation with money and be stored in electronic money and issue the electronic money of management company 3 and accept in the process database 8, apply flexibly these information effectively.
Electronic money charging system for first mode, according to from being equipped with the IC chip that keeps identification code, the trust that client's portable terminal is brought in, financial institution's more voxels of client is supplemented with money in the electronic money charging system in this IC chip as electronic money, described electronic money charging system has electronic money business system and electronic money issuance management system, when the inquiry of receiving from client according to entrusting the affirmation of numbering and identification code that no effects is arranged, under the situation that has deposit,, receive that electronic money business system after the recommitting of distribution is according to the situation of the collecting distribution electronic money that is stored in the described electronic money distribution collection information database to recommitting that the electronic money business system is issued.
Can tackle claim as described below thus: do not supplemented with money (distribution) to client's portable terminal though cut the deposit electronic money from client's account from client.
Electronic money for second mode is supplemented issuance management system with money, when the inquiry of receiving from client, according to entrusting numbering and identification code to confirm whether financial institution's account of this electronic money operator have been deposited in the deposit of described recharge amount, under the situation that has deposit to recommitting that the electronic money business system carries out that electronic money issues.Identical with first mode thus, can handle claim from client.
Electronic money charging system for Third Way, according to from being equipped with the trust that the portable terminal IC chip, client that keeps identification code is brought in, financial institution's more voxels of client is supplemented with money in the electronic money charging system in this IC chip as electronic money, accept the treatment situation handled in the information-storing device and whether finish according to being stored in electronic money by the processing that batch processing confirms till the pre-arranged procedure, under uncompleted situation from electronic money distribution business system distribution electronic money.
Can recover following situation by batch processing thus: do not supplement (distribution) with money to portable terminal though cut the deposit electronic money from client's account.
Supplement issuance management system with money for the electronic money of cubic formula, accept the treatment situation of handling in the information-storing device and confirm to have no reply to handle according to being stored in electronic money, though have deposit to answer to indicate once more under the situation about handling the processing of electronic money distribution business system distribution electronic money by batch processing.Identical with Third Way thus, can recover by batch processing.
The electronic money business system that is used to supplement with money electronic money for the 5th mode, described electronic money business system makes entrusts numbering corresponding with identification code, the situation of collecting of the electronic money of storage client's portable terminal, the electronic money business system is according to the situation of the collecting distribution electronic money that is stored in this electronic money distribution collection information memory storage.Thus, can prevent from not collect, simultaneously, even in the rejuvenation of batch processing, exist simultaneously based on also preventing from repeatedly to issue electronic money under the situation of entrusting from the distribution of client's claim.
Electronic money for the 6th mode is supplemented issuance management system with money, and it has electronic money and accepts the processing information-storing device, and this electronic money is accepted the processing information-storing device recharge amount, trust numbering and identification code and treatment situation are stored accordingly.
The invention effect
According to the present invention, can will entrust the identification code of the recharge amount, trust numbering and the IC chip that are sent when supplementing with money to be stored in the memory storage from client's portable terminal, and utilize the claim of these information processings from client.Perhaps, owing to handle by batch processing, can recover reliably even therefore produce following situation: though cut deposit from client's account, electronic money is not supplemented with money (distribution) to portable terminal yet.
And, in the electronic money distribution collection information memory storage of electronic money business system involved in the present invention, there is following effect, entrust numbering and identification code to store the situation of collecting accordingly owing to make based on the electronic money of client's portable terminal, therefore, in the recovery of batch processing, even also can avoid repeatedly issuing electronic money owing to the claim from client exists to issue under the situation of entrusting simultaneously.
Description of drawings
Fig. 1 illustrates the block diagram that is used to implement best mode of the present invention.
Fig. 2 is that electronic money involved in the present invention is accepted the key diagram of handling information database.
Fig. 3 is the deposit and withdraw key diagram of information database of account involved in the present invention.
Fig. 4 is the key diagram that electronic money involved in the present invention is issued the collection information database.
Fig. 5 illustrates the process flow diagram that is used to implement best mode of the present invention.
Fig. 6 is the process flow diagram that embodiments of the invention 1 are shown.
Fig. 7 is the block diagram that is used to illustrate problem to be solved by this invention.
The number in the figure explanation:
Client A-; The 1-mobile phone; 2-financial institution; 3-electronic money distribution management company; 4-electronic money operator; The 5-contactless IC chip; The 6-account information database of depositing and withdrawing; 7-electronic money distribution collection information database; The 8-electronic money is accepted the processing information database.
Embodiment
Fig. 1 illustrates the block diagram that is used to implement best mode of the present invention.In the figure, structure and above-mentioned Fig. 7 are roughly the same.1 mobile phone of being held for client A.2 for having the financial institution of the savings account that savings account that client A contracted and electronic money operator contracted, and it has the account information database 6 of depositing and withdrawing, and by not shown server controls.
3 are electronic money distribution management company, it is accepted from the electronic money distribution of the mobile phone 1 of client A and entrusts, carry out the payment of fund to financial institution and entrust, carry out the distribution of electronic money to electronic money described later operator and entrust, and by not shown server controls.Further, the electronic money of accepting treatment situation that also has store electrons note issuance trust is accepted process database 8.4 are the distribution of carrying out electronic money and the electronic money operator that collects management, and it has the electronic money distribution collection information database 7 of the situation of collecting of store electrons currency, and by not shown server controls.
This electronic money is accepted the memory contents of process database 8 shown in Fig. 2.Comprise the date Hour Minute Second of supplementing trust etc. with money, the identification code of entrusting numbering, IC chip 5, expression and supplement issue amount, the treatment situation of the amount of money of trust with money.The detailed content on treatment situation hurdle is as follows: to finish be " accept and finish " owing to accepting if the step among the figure (1) has been finished; 's " payment entrust in " if step (2) has been finished owing to being in financial institution 2 entrusts the process of the payment of carrying out fund; Is " fund disposes " if step (3) has been finished owing to the payment of fund finishes; If step (4) has been finished is " in the distribution trust " of electronic money operator 4 being carried out electronic money; If having finished, step (5) is " distribution is entrusted and finished " therefore to be " answer finishes " owing to client A has been carried out answer if step (6) has been finished.
Deposit canned data under the situation of deposit in when the account of the electronic money described later operator 4 of the information database 6 of depositing and withdrawing at the account shown in Fig. 3.Store the identification code of the date Hour Minute Second that deposits deposit in, depositor, IC chip 5, from trust numbering, amount deposited, the balance of payment of mobile phone 1.
The memory contents of this electronic money distribution collection information database 7 shown in Fig. 4.Store the date Hour Minute Second issued, entrust numbering, IC chip 5 identification code, issue amount that the amount of money of trust is supplemented in expression with money, collect situation etc.Under situation about not collecting, be " not collecting ".5 for carrying the contactless IC chip in mobile phone 1.
Below, the order that client A is supplemented with money electronic money in mobile phone 1 describes.At first client A carries contactless IC chip 5 in mobile phone 1.In the electronic money zone of this contactless IC chip 5, store the intrinsic identification code (123) of this contactless IC chip 5, and, suppose that preserving the amount of money is 0 yen.And then client A is in order to supplement 1000 yen and issue trust with money to it.
(1) at first, client A use mobile phone 1 and electronic money distribution management company 3 carry out network and are connected, and supplement trust with money.The data that send are for the identification code (123) of supplementing payment account information (7890), recharge amount (1000 yuan) and the contactless IC chip 5 of entrusting the client A self in numbering (40), the financial institution 2 with money etc.
(2) then, this information is received by electronic money distribution management company 3, the treatment situation field mark of electronic money being accepted process database 8 (Fig. 2) by not shown server is designated as " receiving ", is connected with financial institution 2 via network simultaneously, settles accounts trust.The data that send be the payment account information (7890) of client A and recharge amount (1000 yuan) etc., further use and the EDI information of transferring accounts relevant (Electric Data Interchange: the identification code (123) of the described IC chip of transmission and number (40) from the trust of described client A electronic data interchange).Subsequently, electronic money distribution management company 3 treatment situation hurdle that electronic money is accepted process database 8 is updated to " payment entrust in ".
This information is received by financial institution 2, and from payment account (7890) account (5678) of electronic money operator 4 is moved 1000 yen by not shown server, finishes clearing.Simultaneously, financial institution 2 will deposit 1000 yen information and date Hour Minute Second, the identification code (123) that receives from electronic money distribution management company 3 in and entrust to the account (5678) of electronic money operator 4 and number (40) and be stored in account deposit and withdraw (Fig. 3) the information database 6 from payment account (7890).
(3) then, financial institution 2 will entrust the information of whether correctly having carried out settling accounts (OK/NG) to answer to electronic money at these clearing and issue management company 3.Reply message is NG under the situation that Sorry, your ticket has not enough value.If electronic money distribution management company 3 receives the answer of OK then the treatment situation field mark that electronic money is accepted process database 8 is designated as " fund disposes ".
(4) subsequently, 3 pairs of electronic money operators 4 of electronic money distribution management company have added above-mentioned supplementing with money and have entrusted the identification code (123) of numbering (40), contactless IC chip, the electronic money distribution of recharge amount (1000 yen) to entrust, and then the treatment situation hurdle of electronic money being accepted process database 8 is updated to " in the distribution trust ".
This information is received by electronic money operator 4, by not shown server date Hour Minute Second, above-mentioned trust numbering (40), identification code (123), recharge amount (1000 yuan) and the corresponding therewith situation of collecting (is " not collecting " at current time) of contactless IC chip are stored among electronic money distribution collection information database 7 (Fig. 4), issue preparation.
(5) then, electronic money operator 4 will entrust the information of whether correctly having carried out distribution preparation (OK/NG) to answer to electronic money distribution management company 3 to this electronic money distribution.Receive that the treatment situation hurdle that the electronic money distribution management company 3 after the answer of OK accepts process database 8 with electronic money is updated to " distribution is entrusted and finished ".
(6) and then, whether electronic money distribution management company 3 will equally correctly carry out distribution to client A is prepared the information of (OK/NG) and answers the A to client.Further the electronic money distribution management company 3 treatment situation hurdle of electronic money shown in Figure 2 being accepted process database 8 is updated to " answer finishes " from " the distribution trust finishes ".
(7) subsequently, client A uses 1 pair of electronic money operator 4 of mobile phone to entrust numbering (40) and identification code (123) to carry out electronic money by transmission and collects request.
(8) this information is received and the data of electronic money that distribution is finished are sent to the mobile phone 1 of client A by electronic money operator 4, thus the distribution electronic money.Simultaneously, the situation of collecting that is stored in the electronic money distribution collection information database 7 is not updated to " collect and finish " from " collecting ".The mobile phone 1 of client A is collected electronic money.Thus, the preservation amount of money in the electronic money zone of contactless IC chip 5-2 has been supplemented with money (distribution) 1000 yen, and the client A that holds mobile phone 1 can utilize the payment of electronic money.
Convenience in order to illustrate in Fig. 1 shows the situation of interrupting of communicating by letter in the answer of correctly having carried out clearing from financial institution 2 of (3) midway for the processing of entrusting numbering 40, identification code 123.The treatment situation hurdle that the electronic money of electronic money distribution management company 3 is accepted the trust numbering 40 of process database 8 (Fig. 2) keeps the state i.e. " payment entrust in " after the finishing dealing with of (2).
Under this state, from the angle of client A, though can occur having cut deposit from the account of oneself, electronic money is not supplemented with money (distribution) situation in the mobile phone 2 of oneself.
Below by Fig. 5 the method for recovery is described.In addition, in the following description, the processing in the financial institution 2 is undertaken by the control of not shown server, and the processing in the electronic money operator 4 is undertaken by the control of not shown server equally.At first client A makes a phone call for the not shown call center of financial institution 2, and directly electronic money is issued in request again.The call center requires client A input identification code (123), entrusts numbering (40).
S11; Client A directly sends the identification code (123) and the trust numbering (40) of the IC chip of oneself from mobile phone, the not shown call center of financial institution 2 receives this information.
S12; The call center is according to from the identification code (123) of client A with entrust numbering (40) to retrieve the account information database 6 (Fig. 3) of depositing and withdrawing.Identification code 123, trust numbering 40 that Fig. 3 illustrates from payer A are deposited in 1000 yen situation.
S13; Judge whether to exist corresponding information.
S14; If had corresponding information directly with identification code (123), entrust numbering (40), issue amount (1000 yen) to be notified to electronic money operator 4, carry out recommitting of distribution that electronic money supplements with money.
S15: and then, if do not have corresponding information will less than the deposit situation answer A to client.
S16; Receive that the information that 4 pairs of electronic money operators after the recommitting of distribution that electronic money is supplemented with money are stored in the electronic money distribution collection information database 7 checks.
S17; Whether the situation of the collecting hurdle of judging electronic money distribution collection information database 7 is for not collecting.Judge promptly whether client A does not collect electronic money as yet.The trust of Fig. 4 numbering 35 finishes for collecting, and entrusts and numbers 40 for not collecting.
S18; If for not collecting, the preparation of then issuing.
S19; The situation of finishing the distribution preparation is answered to financial institution 2.Simultaneously, though do not illustrate, also can be with this advisory electronic money distribution management company 3.And then the treatment situation that electronic money distribution management company 3 also can accept electronic money process database 8 is labeled as " distribution is entrusted and finished ".
S20; If collecting the situation hurdle finishes then this situation is answered to financial institution 2 for collecting.
S21; The answer that is ready to complete from electronic money operator 4 is received by financial institution 2, because client A has been finished the preparation of electronic money distribution, so answer the request (above-mentioned (7)) of collecting subsequently.If client A carries out the electronic money request of above-mentioned (7) subsequently, then can collect electronic money from electronic money operator 4.On the other hand, receive under the situation of collecting the answer that finishes from electronic money operator 4 in financial institution 2 this situation is answered.
Like this, entrust numbering and identification code by utilizing, from the angle of client A, can recover at the situation that produces following situation, do not supplemented with money (distribution) to the mobile phone 2 of oneself though promptly cut the deposit electronic money from oneself account.
And in the explanation that is used for implementing best mode of the present invention, not shown call center is arranged in the financial institution 2, even but be arranged in the electronic money distribution management company 3 and also can access same effect.
But, owing in electronic money distribution management company 3, there is not the above-mentioned account information database 6 of depositing and withdrawing, therefore after the inquiry of receiving (S11), all to inquire about and entrust and carry out the deposit and withdraw retrieval (S12) of information database 6 of account at every turn to financial institution 2 from client A.
Embodiment 1
Then, embodiment 1 is described.Though embodiment 1 accepts the information in the process database 8 and is stored in account and deposit and withdraw information in the information database 6 to depositing but handles the situation that does not have to make progress and check according to being stored in electronic money by batch processing.To keep supplementing with money of " answer finishes " state of giving up halfway in addition to entrust corresponding with treatment situation hurdle that electronic money is accepted process database 8.That is the state of the state after finish " in the distribution trust " of the state after finish " fund disposes ", (4) of the state after finish " in the payment trust " of the state after finish " accept and finish ", (2) of the state after, finish maintenance Fig. 1 (1), (3), (5) " issue to entrust and finish ".
Fig. 6 is the process flow diagram that the processing action in the electronic money distribution management company 3 is shown about embodiment 1.In addition, in the following description, the processing in the electronic money distribution management company 3 is undertaken by the control of not shown server.
S31; Electronic money distribution management company 3 is checked once the treatment situation hurdle of electronic money being accepted process database 8 to the schedule time (batch processing once a day) once a day.
S32; Judge whether treatment situation hurdle shown in Figure 2 is " answer finishes ".
S33; If " answer finishes ", then shown in the treatment situation of the trust numbering 35 of Fig. 2, mean that situation the about distribution for client A of correctly having carried out (2) having been prepared answers.After being checked, finish on all treatment situation hurdles.
S34; If not " answer finishes ", then as mentioned above, there are five states, therefore the inquiry of at first depositing to financial institution 2.That is, be the state of " distribution is entrusted and finished " of the state after finish " distribution entrust in ", (5) of the state after finish " fund disposes ", (4) of the state after finish " payment entrust in ", (3) of the state after finish " accept and finish ", (2) of the state after finish (1).Numbering 89 expressions " accept and finish " are entrusted in trust numbering 40 expressions " in the payment trust " of Fig. 2.
S35; Acceptance is from the answer of financial institution 2.
S36; Whether judgement is " deposit finishes " from the answer of financial institution 2.
S37; If " deposit finishes " then carries out the trust (perhaps recommitting) of the distribution of electronic money to electronic money operator 4.Electronic money operator 4 carries out and the step 16 of Fig. 5,17 same processing, therefore omits explanation.
S38; In the answer from financial institution 2 is under the situation of not deposit, according to circumstances handles.That is, under the situation of the state after finish (1) " accept and finish ",, therefore deposit trust at financial institution 2 owing to do not deposit.Under the state of " in the payment trust " of the state after finish (2), deposit trust at financial institution 2 equally.Therefore under the situation of " fund disposes " of the state after finish (3), because deposit is that abnormality processing such as inquires about to financial institution 2.Further processing such as inquire about to financial institution 2 equally under the situation of " distribution entrust in " of the state after finish (4) and under the situation of " distribution is entrusted and finished " of (5) state after finishing.
As mentioned above,, check by the treatment situation hurdle that batch processing is is once a day accepted process database 8 to electronic money according to embodiment 1, if for " answer finishes " in addition information handle.Therefore, can recover the situation that produces following situation: do not supplemented with money (distribution) to client's mobile phone 2 though cut the deposit electronic money from client's account.
In addition, the electronic money of electronic money operator 4 distribution collection information database 7 makes to supplement with money as mentioned above entrusts numbering corresponding with identification code, and storage is based on the situation of collecting of the electronic money of client's mobile phone.Electronic money operator 4 is according to the situation of the collecting distribution electronic money that is stored in this electronic money distribution collection information database 7.Suppose to collect situation under the situation of " collect and finish ", even the trust (S37) of distribution occurs, this trust is also ignored by electronic money operator 4.Thus in the recovery of batch processing, even simultaneously because the sending from client's claim and from financial institution 2 under the situation (S14) that distribution entrusts of explanation of best mode of the present invention implemented in above-mentioned being used for, also can avoid repeatedly issuing electronic money once in a while.
Claims (6)
1, a kind of electronic money charging system according to the trust of bringing in from the portable terminal IC chip, client that is equipped with the maintenance identification code, is supplemented financial institution's more voxels of client in this IC chip with money as electronic money, wherein,
This electronic money charging system has:
The electronic money business system, it issues electronic money via communicator to portable terminal, and has the electronic money distribution collection information memory storage of the situation of collecting that stores portable terminal; And
The electronic money issuance management system, it is connected via the portable terminal of communicator with described electronic money business system and client, and accept from client's portable terminal and supplement trust with money,
Described electronic money issuance management system is receiving that when entrusting from the distribution of the electronic money of portable terminal, the trust numbering that recharge amount is supplemented with money with electronic money receives,
The recharge amount that will be deposited into financial institution's account of electronic money operator from financial institution's account of client is stored in account with described trust numbering and identification code and deposits and withdraws the information-storing device,
Subsequently, the deposit that is deposited in described recharge amount in the financial institution's account with described electronic money operator is a condition, via communicator electronic money is issued to described portable terminal from described electronic money business system,
When the inquiry of receiving from client, confirm whether deposit according to being stored in described trust numbering and the identification code that the account deposits and withdraws in the information-storing device, under the situation that has deposit to recommitting that the electronic money business system is issued,
Receive the electronic money business system after the recommitting of distribution, according to the situation of the collecting distribution electronic money that is stored in the described electronic money distribution collection information memory storage.
2, a kind of electronic money is supplemented issuance management system with money, be used for the trust that basis is brought in from the portable terminal IC chip, client that is equipped with the maintenance identification code, financial institution's more voxels of client is supplemented with money this IC chip, wherein from the electronic money business system as electronic money
Described electronic money is supplemented issuance management system with money, the trust numbering that recharge amount is supplemented with money with electronic money accepted when entrusting receiving from the distribution of the electronic money of portable terminal,
Indication is deposited, and deposits recharge amount with the financial institution's account from client in to financial institution's account of electronic money operator,
The deposit that is deposited in described recharge amount in financial institution's account with electronic money operator is a condition, indicates described electronic money business system that electronic money is issued to client's portable terminal,
Described electronic money is supplemented issuance management system with money and is had electronic money and accept the processing information-storing device, and this electronic money is accepted and handled information-storing device described recharge amount, described trust numbering and described identification code and treatment situation are stored accordingly,
When the inquiry of receiving from client, confirm whether financial institution's account of this electronic money operator have been deposited in the deposit of described recharge amount according to described trust numbering and identification code, under the situation that has deposit, the electronic money business system is carried out recommitting of electronic money distribution.
3, a kind of electronic money charging system according to the trust of bringing in from the portable terminal IC chip, client that is equipped with the maintenance identification code, is supplemented financial institution's more voxels of client in this IC chip with money as electronic money, wherein,
Described electronic money charging system has:
The electronic money business system, it issues electronic money via communicator to portable terminal;
The account information-storing device of depositing and withdrawing, it stores the accounts information of described electronic money operator; And
The electronic money issuance management system, it is connected via the portable terminal of communicator with described electronic money business system and client, to supplement the trust numbering that trust supplements with money with recharge amount and electronic money with money from client's portable terminal accepts, and have electronic money and accept the processing information-storing device, this electronic money is accepted the processing information-storing device treatment situation of described recharge amount, described trust numbering and described identification code and electronic money is stored accordingly
With the deposit that has the recharge amount that deposits in to the account of described electronic money operator from client in described account is deposited and withdrawn information-storing device is condition, via communicator electronic money is issued to described portable terminal from described electronic money business system
Subsequently, accept the processing that the described treatment situation of handling in the information-storing device confirms till the pre-arranged procedure termly and whether finish according to being stored in this electronic money, under uncompleted situation from electronic money distribution operator distribution electronic money.
4, a kind of electronic money is supplemented issuance management system with money, be used for the trust that basis is brought in from the portable terminal IC chip, client that is equipped with the maintenance identification code, financial institution's more voxels of client is supplemented with money this IC chip, wherein from the electronic money business system as electronic money
Receiving when entrusting, carrying out processing that the trust numbering that recharge amount is supplemented with money with electronic money is accepted from the distribution of the electronic money of portable terminal,
Indicate processing, depositing the deposit of recharge amount in to financial institution's account of electronic money operator from financial institution's account of client,
The deposit that is deposited in recharge amount with financial institution's account of electronic money operator is a condition, indicates described electronic money business system that electronic money is issued to the processing of client's portable terminal,
Further, carry out that these are handled situation about having finished and answer to client's answer and handle,
Described electronic money is supplemented issuance management system with money and is had electronic money and accept the processing information-storing device, this electronic money is accepted the processing information-storing device described recharge amount, described trust numbering and described identification code and their treatment situation is stored accordingly
Accept the described treatment situation of handling in the information-storing device and confirm to have or not described answer to handle termly according to being stored in this electronic money, though indicate the processing of electronic money distribution operator distribution electronic money once more under the situation that described answer handles having described deposit but do not have.
5, a kind of electronic money business system is used for the trust that basis is brought in from the portable terminal IC chip, client that is equipped with the maintenance identification code, financial institution's more voxels of client supplemented with money to this IC chip as electronic money, wherein,
Described electronic money business system is further received the trust of the distribution of electronic money from following electronic money issuance management system, this electronic money issuance management system is connected via the portable terminal of communicator with described electronic money business system and client, and will issue the trust numbering that trust supplements with money with recharge amount and electronic money from client's portable terminal and accept
The deposit that is deposited in recharge amount in financial institution's account with this electronic money operator is a condition, via communicator portable terminal is issued electronic money,
Described electronic money business system has electronic money distribution collection information memory storage, this electronic money distribution collection information memory storage makes described trust numbering corresponding with described identification code, storage is based on the situation of collecting of the electronic money of client's portable terminal
Do not collect and repeat and collect by what the situation of collecting in the electronic money distribution collection information memory storage of being stored in prevented that electronic money from supplementing with money.
6, a kind of electronic money is supplemented issuance management system with money, be used for the trust that basis is brought in from the portable terminal IC chip, client that is equipped with the maintenance identification code, financial institution's more voxels of client is supplemented with money to this IC chip, wherein from the electronic money business system as electronic money
When receiving when entrusting from the distribution of the electronic money of portable terminal, carry out processing that the trust numbering that recharge amount is supplemented with money with electronic money is accepted,
Indicate processing, depositing the deposit of recharge amount in to financial institution's account of electronic money operator from financial institution's account of client,
The deposit that is deposited in recharge amount with financial institution's account of electronic money operator is a condition, indicates described electronic money business system that electronic money is issued to the processing of client's portable terminal,
Carry out that these are handled situation about having finished and answer to client's answer and handle,
Described electronic money is supplemented issuance management system with money and is also had electronic money and accept the processing information-storing device, and this electronic money is accepted and handled information-storing device described recharge amount, described trust numbering and described identification code and treatment situation are stored accordingly.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2007022357A JP4924067B2 (en) | 2007-01-31 | 2007-01-31 | Electronic money charge system, electronic money charge issuance management system, and electronic money business operator system |
| JP022357/2007 | 2007-01-31 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101595501A true CN101595501A (en) | 2009-12-02 |
Family
ID=39673768
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007800505998A Pending CN101595501A (en) | 2007-01-31 | 2007-10-01 | Electronic money charging system, electronic money are supplemented issuance management system and electronic money business system with money |
Country Status (4)
| Country | Link |
|---|---|
| JP (1) | JP4924067B2 (en) |
| KR (1) | KR20090115122A (en) |
| CN (1) | CN101595501A (en) |
| WO (1) | WO2008093452A1 (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103489099A (en) * | 2013-09-24 | 2014-01-01 | 招商银行股份有限公司 | Electronic cash liquidation method and device |
| CN106022771A (en) * | 2016-05-27 | 2016-10-12 | 广州羊城通有限公司 | Automatic charged value activation method of IC card |
| CN108573375A (en) * | 2017-03-13 | 2018-09-25 | 富士电机株式会社 | Client terminal device with communication connection confirmation process function |
| CN109214865A (en) * | 2018-08-31 | 2019-01-15 | 北京京东金融科技控股有限公司 | Electronic certificate processing method, system and electric business system, storage medium |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP5779924B2 (en) * | 2011-03-18 | 2015-09-16 | 富士電機株式会社 | Communication apparatus and communication system |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7006993B1 (en) * | 1999-05-28 | 2006-02-28 | The Coca-Cola Company | Method and apparatus for surrogate control of network-based electronic transactions |
| JP2002251524A (en) * | 2001-02-23 | 2002-09-06 | Sony Corp | Communication system, card, control server, communication method, program, and recording medium recorded with program |
| JP3924555B2 (en) * | 2003-07-04 | 2007-06-06 | 株式会社みずほ銀行 | Electronic value management method |
| JP4549744B2 (en) * | 2004-06-10 | 2010-09-22 | ソニー・エリクソン・モバイルコミュニケーションズ株式会社 | Electronic wallet device, electronic wallet management method, portable terminal device, and electronic wallet program |
| JP4689990B2 (en) * | 2004-08-27 | 2011-06-01 | 株式会社三井住友銀行 | Method and system for charging electronic money |
| JP2006107272A (en) * | 2004-10-07 | 2006-04-20 | Sendai Bank Ltd | Billing/payment support system, billing terminal for use in the system, paying terminal for use in the system, and computer program for billing/payment support |
| JP4717460B2 (en) * | 2005-02-09 | 2011-07-06 | 株式会社三共 | Electronic money system and portable terminal |
| JP4651453B2 (en) * | 2005-05-19 | 2011-03-16 | 株式会社三共 | Game electronic money system and service providing server |
-
2007
- 2007-01-31 JP JP2007022357A patent/JP4924067B2/en active Active
- 2007-10-01 CN CNA2007800505998A patent/CN101595501A/en active Pending
- 2007-10-01 WO PCT/JP2007/069178 patent/WO2008093452A1/en active Application Filing
- 2007-10-01 KR KR1020097015499A patent/KR20090115122A/en not_active Application Discontinuation
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103489099A (en) * | 2013-09-24 | 2014-01-01 | 招商银行股份有限公司 | Electronic cash liquidation method and device |
| CN106022771A (en) * | 2016-05-27 | 2016-10-12 | 广州羊城通有限公司 | Automatic charged value activation method of IC card |
| CN108573375A (en) * | 2017-03-13 | 2018-09-25 | 富士电机株式会社 | Client terminal device with communication connection confirmation process function |
| CN109214865A (en) * | 2018-08-31 | 2019-01-15 | 北京京东金融科技控股有限公司 | Electronic certificate processing method, system and electric business system, storage medium |
| CN109214865B (en) * | 2018-08-31 | 2020-09-29 | 京东数字科技控股有限公司 | Electronic certificate processing method and system, e-commerce system and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| JP4924067B2 (en) | 2012-04-25 |
| JP2008191720A (en) | 2008-08-21 |
| WO2008093452A1 (en) | 2008-08-07 |
| KR20090115122A (en) | 2009-11-04 |
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Application publication date: 20091202 |