CN101617331A - Electronic money issuing system - Google Patents
Electronic money issuing system Download PDFInfo
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- CN101617331A CN101617331A CN200780051916A CN200780051916A CN101617331A CN 101617331 A CN101617331 A CN 101617331A CN 200780051916 A CN200780051916 A CN 200780051916A CN 200780051916 A CN200780051916 A CN 200780051916A CN 101617331 A CN101617331 A CN 101617331A
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- electronic money
- identiflication number
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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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
- G06Q20/04—Payment circuits
- G06Q20/045—Payment circuits using payment protocols involving tickets
- G06Q20/0457—Payment circuits using payment protocols involving tickets the tickets being sent electronically
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
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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
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/30—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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Entrepreneurship & Innovation (AREA)
- Marketing (AREA)
- Economics (AREA)
- Game Theory and Decision Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
The invention provides electronic money issuing system.To client (B) distribution electronic money is issued the receipt that needed identiflication number prints as the QR code.System of electronic money distribution management company stores the amount of money of this identiflication number and electronic money distribution in database.On the other hand, when the client who accepts receipt issuing (B) when other clients (A) give this receipt, the client that acceptance is given (A) utilizes the portable phone of band camera to take the QR code of printing on receipt, carry out the distribution request of electronic money by communication, system of electronic money distribution management company searching database judges whether to issue electronic money.
Description
Technical field
The present invention relates to utilize the electronic money of portable terminal devices such as portable telephone to supplement (distribution) system with money.
Background technology
In recent years, because appearance that the portable telephone of contactless IC card has been installed, begin to occur electronic money service based on mobile device.From taking the checkout to convenience store, coffee shop etc. such as electric car, aircraft, taxi, can utilize a portable telephone to be used simply and easily, and solved the problem that existing electronic money charging system is limited to places such as isolated plant, ticket machine, can supplement (distribution) at any time and any place with money, so utilize expanded range.
On the other hand, developed following technology: between portable telephone, carry out clearing (for example with reference to TOHKEMY 2004-272470) based on electronic money via network.Settlement process is carried out as follows: the addresses of items of mail and the money transfer amount that the electronic money processing server are sent remittance take over party's portable telephone from the portable telephone of transferor.Thus, can easily utilize portable telephone to remit money to the other side who leaves via network.
But, in this technology, for example in the shop,, under the client that prize drawing is chosen gifts the situation of (giving) electronic money, need know that the remittance take over party is the addresses of items of mail of client's portable telephone as a link of service.And in the family, for example the elder gives under the situation of electronic money for a people in the family, can't be to the rough sledding of household's remittance if the existence transferor does not have portable telephone.
Summary of the invention
The present invention finishes in view of this actual conditions, provide following electronic money issuing system: give under the situation of electronic money to specific client in transferor (shop etc.), need not know that remittance take over party's the addresses of items of mail of portable telephone just can give, and, even transferor does not have portable telephone, also can give electronic money to remittance take over party (household etc.).
In order to solve this problem, the present invention has prepared following identiflication number: be used to determine to be installed on the identiflication number of IC chip of portable terminal device and another identiflication number promptly asking to issue the identiflication number of the qualification of electronic money as intrinsic numbering.Distribution is encoded to this another identiflication number in the receipt of QR code 2 d codes such as (" QR code " are registered trademark) or bar code (hereinafter referred to as figure code) and printing, in electronic money distribution system of management company (electronic money issuance management system), have and stored the identiflication number that is encoded to before this figure code and the database of electronic money issue amount.Collected and printed the client of the receipt that described figure code is arranged when other clients give this receipt, the client that acceptance is given utilizes the portable telephone of band camera to take figure code, utilize the program of portable telephone to decode, carry out the request of the distribution of electronic money by communication, thus, can access electronic money.
The electronic money issuing system of the 1st mode has: portable terminal device, and it is equipped with the IC chip; The 1st server, it accepts the electronic money distribution request that comes via communication line from described portable terminal device, in response to described request according to the 1st identiflication number that is used for determining described IC chip, according to described the 1st identiflication number, described IC chip is supplemented with money electronic money by described portable terminal device; The 2nd server, it has numbering dispenser and encoding section, this numbering dispenser is distributed 2nd identiflication number of the qualification of the electronic money that can ask to issue fixing amount as intrinsic numbering, this encoding section is encoded to figure code with the 2nd identiflication number that is distributed, the 2nd server is connected with memory storage, this memory storage is mapped described the 2nd identiflication number and described fixing amount, and storage is at the electronic money distribution trust situation of described the 1st server; And outlet terminal, its state that can read with portable terminal device is exported described figure code, described portable terminal device reads this figure code and it is decoded as described the 2nd identiflication number, the 2nd identiflication number that obtains according to described the 1st identiflication number and this decoding, to the 2nd server requests distribution electronic money, described the 2nd server also has judging part, this judging part is in response to the request of this portable terminal device, according to the electronic money distribution trust situation that is stored in the described storage part, judge and have or not the qualification that to ask to issue electronic money, under the situation that the qualification that can ask to issue electronic money is arranged, the 1st server is issued request from described portable terminal device.
Thus, the 2nd identiflication number is encoded to figure code and outputs to receipt, give this receipt if collected the client of this receipt from outlet terminal to the client of the portable terminal device with band camera, the client who then has the portable terminal device of band camera can collect electronic money.
The electronic money distributing method of the 2nd mode is according to the 1st identiflication number that is used for determining the IC chip, issue to the 1st server requests distribution electronic money via communication line from the portable terminal device that this IC chip is installed, in response to this request, according to described the 1st identiflication number, by described portable terminal device this IC chip is supplemented with money electronic money from the 1st server, wherein, this electronic money distributing method comprises following steps: utilize the 2nd server-assignment can ask to issue the qualification of electronic money of fixing amount as the 2nd identiflication number of intrinsic numbering, utilize the 2nd server that the 2nd identiflication number that is distributed is encoded to figure code, described the 2nd identiflication number and described fixing amount are mapped, storage is carried out the distribution trust situation that the electronic money distribution is entrusted from described the 2nd server to described the 1st server, export described figure code with the state that portable terminal device can read, described portable terminal device reads described figure code and it is decoded as described the 2nd identiflication number, the 2nd identiflication number that obtains according to described the 1st identiflication number and this decoding, issue electronic money from this portable terminal device to described the 2nd server requests, described the 2nd server is in response to the request from this portable terminal device, electronic money distribution trust situation according to described storage, judge and have or not the qualification that to ask to issue electronic money, under the situation that the qualification that can ask to issue electronic money is arranged, the 1st server is issued request from described portable terminal device.
Thus, the 2nd identiflication number is encoded to figure code and outputs to receipt, give this receipt if collected the client of this receipt from outlet terminal to the client of the portable terminal device with band camera, the client who then has the portable terminal device of band camera can collect electronic money.
The present invention is according to above structure, for example in the shop to specific client B give electronic money, the client B that accepts to give gives under the situation to other client A again, need not know as the addresses of items of mail of the portable telephone of remittance take over party's client A or the identiflication number of the wireless IC chip that is connected with portable telephone, just can give.And, even for example will give under the situation of electronic money to other people A at individual B, if general personal computer and printer are arranged, then need not know remittance take over party's the addresses of items of mail of portable telephone or the identiflication number of wireless IC chip equally, just can give.Therefore, according to the present invention, take over party's the step of bank account number does not need to confirm as the account transfer operation that has utilized ATM (automatic cash deposit and withdrawal machine) to transfer accounts, as long as the receipt (medium) that the QR code is arranged is printed in handing-over, the side of collecting utilizes the portable telephone of band camera to take, and just can collect electronic money simply.
And,,, also can give electronic money to remittance take over party's portable telephone even the client B of transferor does not hold portable telephone according to the present invention.
Description of drawings
Fig. 1 illustrates the structural drawing that is used to implement best mode of the present invention.
Fig. 2 is the outside drawing of this POS terminal.
Fig. 3 is the structural drawing of POS terminal.
Fig. 4 A is the key diagram that the output of POS terminal is shown.
Fig. 4 B is the key diagram that the output of POS terminal is shown.
Fig. 5 illustrates the key diagram that information database is handled in the QR distribution.
Fig. 6 is the key diagram that electronic money distribution collection information database is shown.
Fig. 7 is the process flow diagram that the action till the printing distribution that is assigned to the QR code of QR distribution identiflication number is shown.
Fig. 8 illustrates the process flow diagram of accepting action of asking from the electronic money distribution of portable telephone.
Fig. 9 is the process flow diagram that illustrates at from the reply action of the request of collecting of portable telephone.
Figure 10 is the functional block diagram of system of electronic money distribution management company.
Label declaration
1: portable telephone; The 2:POS terminal; The 3:QR code; 4: system of electronic money distribution management company; Information database is handled in the 5:QR distribution; 6: distribution management server; 7: system of electronic money provider; 8: electronic money distribution collection information database; 9: electronic money is collected server; 25: receipt; 26: client's display part; 29: switching part; 30: printing portion.
Embodiment
Below, illustrate to be used to implement best mode of the present invention.Fig. 1 illustrates the block diagram that is used to implement best mode of the present invention.Among this figure, with reference to numbering 1 is the portable telephone that client A is held, be the portable telephone that has camera of band camera function as described later, utilize camera QR code described later, and this portable telephone that has camera stores and is used for program (being designated hereinafter simply as portable telephone) that the QR code is decoded.With reference to numbering 2 are POS terminals of being located in the not shown shop.This illustrates: client B does shopping in this shop, utilize this POS terminal 2 to conclude the business, the receipt 25 (Fig. 4 A) of band QR code described later is given in the shop, client B gives it to another client A again, client A uses portable telephone 1, supplements electronic money (accepting the distribution of electronic money) in portable telephone 1 with money.
With reference to numbering 3 are QR codes of printing on the receipt 25 of POS terminal 2 distribution.The QR code is a kind of of 2 d code, and QR described later distribution identiflication number is encoded and obtained.The QR code of printing on receipt 25 can not encoded to the electronic money distribution request amount of money as long as at least this QR distribution identiflication number is encoded yet.And, also can on receipt 25, visually clearly not put down in writing this electronic money distribution request amount of money.
With reference to numbering 4 are systems of electronic money distribution management company, are managed with server 6 controls by distribution.The distribution management distributes numbering with server 6 according to the request for allocation that the QR from POS terminal 2 issues identiflication number, it is stored in the QR distribution handles in the information database 5, generate QR code 3 according to the QR distribution identiflication number that is distributed, it is replied to POS terminal 2.And then this system of electronic money distribution management company 4 accepts the electronic money distribution request from the portable telephone 1 of client A as described later, entrusts the distribution of electronic money to system of electronic money provider.
With reference to numbering 7 are distribution of carrying out electronic money/collect the system of electronic money provider of management, collect server 9 controls by electronic money, have the electronic money distribution collection information database 8 of the situation of collecting of store electrons currency.
Fig. 2 is the outside drawing of POS terminal 2, and Fig. 3 is its structural drawing.In two figure, same structure division is illustrated by same label.In addition, there is not the detailed description of the common POS function of direct relation in the function of omission POS terminal 2 with the present invention.Shown in the figure: the input operation part 21 of operator operation, the cash that deposits cash as the POS terminal in deposit portion 22, operator's display part 23 in, discharge the receipt escape hole 24 of receipt 25 and do not select receipt printing and show (described later) client display part 26 of QR code 3 under the situation of selecting picture to show at client B.
And, in Fig. 3, be the storage part 27, communication control unit 28 of stored programme and data, switching part 29,31st that printing portion 30 (aftermentioned) and client's display part 26 are switched, the control part that above each one is controlled.
Fig. 4 A and 4B are the key diagrams that the output example of QR code 3 is shown, and Fig. 4 A is illustrated in situation about printing on the receipt 25, and Fig. 4 B is illustrated in situation about showing on client's display part 26 of POS terminal 2.Do not hold at client B under the situation of portable telephone, be printed on the receipt 25, client can carry the receipt 25 after the printing.On the other hand, holding under the situation of portable telephone, also can take the QR code 3 that shows on client's display part 26 then and there.Like this, eliminated and carry the receipt 25 of having printed QR code 3 and meet with stolen danger.
Fig. 5 is the key diagram that the content of the QR distribution processing information database 5 in the system of electronic money distribution management company 4 is shown.Accept the time on date and be accepting the time on date from the numbering request for allocation of QR code 3 usefulness of POS terminal 2.
QR distribution identiflication number (" 1234 ") is that expression can ask electronic money to issue the intrinsic label of this qualification, for example is that this numbering of numbering is numbered or accepted in arrangement, is not assigned as same numbering.And 3 pairs of this QR distribution identiflication numbers of described QR code (" 1234 ") are encoded.The electronic money distribution request amount of money (“ $5000 ") be the amount of money of the electronic money of distribution.
When existence was issued request from the QR code of POS terminal 2, treatment situation was " the QR request is arranged ", and when existence was issued replying of QR codes 3 at POS terminal 2, treatment situation was " QR issues ".And, to ask by the electronic money distribution from portable telephone 1 when system of electronic money provider 7 has carried out electronic money distribution trust, treatment situation becomes " having entrusted the electronic money distribution ".At treatment situation is that the effectiveness that is equal to as the QR code that can be converted to electronic money disappears under the situation that should " entrust the electronic money distribution ".About identical QR distribution identiflication number (" 1234 "), can not re-issue electronic money afterwards.
In this explanation, the quota of electronic money distribution request amount of money amount of money $5000.But, also can determine the amount of money at every turn.Under this situation, designated amounts when the QR from POS terminal 2 issues the distribution numbering request of identiflication number.In addition, the preferred electron note issuance request amount of money is provided with the upper limit.
Fig. 6 is the key diagram that the content of the electronic money distribution collection information database 8 in the system of electronic money provider 7 is shown.The date of entrustment time is that electronic money is collected server 9 receives electronic money distribution trust from distribution management server 6 time on date.The electronic money distribution identiflication number (" 5678 ") and the electronic money distribution request amount of money (“ $5000 ") carry out record in the date of entrustment time.
Here, electronic money distribution identiflication number " 5678 " is different with the QR distribution identiflication number " 1234 " of explanation before.That is, electronic money distribution identiflication number " 5678 " is to be stored in being used in the contactless IC chip that is built in the portable telephone 1 in advance to discern the numbering of IC chip itself, carries out the distribution (supplementing with money) of electronic money at this numbering.As described later, when client A carries out electronic money distribution request (Fig. 1 (5)) from portable telephone 1, issue request according to QR distribution identiflication number " 1234 " and electronic money distribution identiflication number " 5678 " both sides.Carry out entrusting (Fig. 1 (7)) according to electronic money distribution identiflication number " 5678 " from the electronic money distribution of distribution management server 6, and, carry out from the request of collecting of the electronic money of portable telephone 1 (Fig. 1 (8)) according to this electronic money distribution identiflication number " 5678 ".
Exist under the state of entrusting from the distribution of system of electronic money distribution management company 4, treatment situation is " having distribution to entrust ", under the state that has carried out replying at this trust, treatment situation is " entrust and reply ", exist client A to use under the state of the request of collecting of the electronic money that portable telephone 1 carries out, treatment situation is " request of collecting ", is issuing at portable telephone 1 under the state of electronic money, and treatment situation is " issuing ".At treatment situation is to be somebody's turn to do under the situation of " issuing ", about identical electronic money distribution identiflication number " 5678 ", can not re-issue electronic money afterwards.
The action of the system of present embodiment then, is described by Fig. 1, Fig. 7～Figure 10.Fig. 7 illustrates the process flow diagram of numbering the action till the printing distribution of QR code 3 from the distribution of QR distribution identiflication number, Fig. 8 be illustrate distribution management with in the server 6 to the process flow diagram of accepting action from the electronic money distribution request of portable telephone 1, Fig. 9 be illustrate electronic money collect in the server 9 at the process flow diagram that moves from the reply of the request of collecting of portable telephone 1.Figure 10 is the functional block diagram of system of electronic money distribution management company 4.
In Figure 10, the distribution management has with server 6: distribution identiflication number dispenser 83, and it is according to the distribution numbering of carrying out QR distribution identiflication number " 1234 " from the request of POS terminal 2; Distribution request amount of money write section 84, it handles the distribution request amount of money " " and the QR distribution identiflication number " 1234 " that writes in the information database 5 from identical POS terminal 2 in the QR distribution; Distribution management storage part 89, its storage is program and other various programs of QR code 3 according to QR distribution identiflication number " 1234 " coding (generation); QR issues instruction unit 88, and its indication POS terminal 2 will be encoded to the QR distribution identiflication number " 1234 " of QR code as QR code output (distribution); And QR treatment situation renewal portion 85, it upgrades the QR treatment situation that information database 5 is handled in the QR distribution.
Distribution management with server 6 also by constituting with the lower part: information database search part 86 is handled in the QR distribution, and it issues identiflication number " 1234 " at the distribution request retrieval QR from portable telephone 1; Electronic money distribution could judging part 87, and it is with reference to the memory contents of the QR treatment situation of result for retrieval, and judgement could be carried out collecting at electronic money the distribution of the electronic money of server 9 and entrust; Communication control unit 82, it carries out the communication between POS terminal 2 and the portable telephone 1; And systems control division 81, it is controlled above each one.Systems control division 81 is handled information database 5 with described QR distribution and is connected.
At first, in Fig. 7, the shop salesman in the time of will using 3 couples of client B of QR code to give prize-winning Jiang Jin $5000, imports the distribution request amount of money (S51) of QR codes 3 from the input operation part 21 of POS terminal 2 after the common transaction of using POS terminal 2.In addition, if middle amount of bonus is a quota, then do not need to import the amount of money, the never illustrated electronic money amount of money of control part 31 generating unit of POS terminal 2 produces the amount of money.
(1) then, POS terminal 2 is connected with server 6 with the distribution management of system of electronic money distribution management company 4, carries out the distribution request (S52) of QR code 3.
(2) the distribution management receives the distribution request (S53) of this QR code 3 with server 6.Then, the distribution management distributes (S54) with the numbering that server 6 is issued identiflication number by distribution identiflication number dispenser 83, handle the storage QR distribution identiflication number " 1234 " and the electronic money distribution request amount of money " " in the information database 5 by distribution request amount of money write section 84 in the QR distribution, the QR treatment situation of information database 5 being handled in the QR distribution by QR treatment situation renewal portion 85 is updated to " QR issues " (S55).
(3) the distribution management generates QR code 3 by being stored in the distribution management with the program in the storage part 89 with server 6, by the 2 output QR code distribution indications (S56) of 88 pairs of POS terminals of QR distribution instruction unit.POS terminal 2 receives this QR code distribution indication (S57), by the control of control part 31, utilizes printing portion 30 to print QR code 3 (S58) (with reference to Fig. 4 A) on receipt 25.Client B collects this receipt 25.In addition, do not wish that at client B receipt printing and hope utilize under the situation that the portable telephone of not shown oneself takes, 31 pairs of switching parts 29 of the control part of POS terminal 2 switch, and show QR code 3 (with reference to Fig. 4 B) on client's display part 26.Client B utilizes not shown portable telephone shooting QR code 3 and takes away.
(4) then, collected the client B that prints the receipt 25 that QR code 3 is arranged and given receipt 25 to client A.Then, the client A that has collected receipt 25 utilizes portable telephone 1 to take the QR code of printing 3 on receipt 25, utilizes the not shown software on the portable telephone 1 to read in QR code 3, and QR code 3 is decoded.And, as mentioned above, utilize not shown portable telephone to take under the situation of client's display part 26 of Fig. 4 B at client B, by and the portable telephone 1 of client A between infrared communication etc. give QR code 3.Client A after collecting utilizes special-purpose software to read in QR code 3 equally, and QR code 3 is decoded.
(5) in Fig. 8, the distribution of system of electronic money distribution management company 4 management is waited for from the distribution request of the electronic money of portable telephone 1 and standby (S59) with server 6.According to QR code 3 being carried out decoded QR distribution identiflication number " 1234 ", additional electron note issuance identiflication number " 5678 ", send electronic money distribution request from 1 pair of distribution management of portable telephone with server 6, the distribution management receives this electronic money distribution request (S60) with server 6.At this distribution request, if exist OK to reply, then as described later, portable telephone 1 is collected request according to this electronic money distribution identiflication number " 5678 ".
(6) then, the distribution management is issued identiflication number " 1234 " with server 6 according to the QR that receives, handle information database search part 86 by the QR distribution and retrieve QR distribution processing information databases 5, could judge whether that can collect server 9 at electronic money carries out electronic money distribution trust by judging part 87 by the electronic money distribution.Handle in the QR treatment situation of information database 5 in the QR of Fig. 5 distribution, at same QR distribution identiflication number, only under the situation of " QR issues ", can carry out the electronic money distribution, under the situation of " having entrusted the electronic money distribution ", to become and repeat distribution, so can not issue (S62).
Then, the distribution management is updated to " having entrusted the electronic money distribution " (S64) with server 6 by the QR treatment situation that QR treatment situation renewal portion 85 handles information database 5 with the QR distribution from " QR issues ".At treatment situation is that the effectiveness that is equal to the QR code that can be converted into electronic money disappears under the situation that should " entrust the electronic money distribution ".QR distribution identiflication number (" 1234 ") about identical can not carry out the distribution of electronic money afterwards again and handle, so, utilize not shown portable telephone to issue request afterwards even pick up the people of receipt 25, can not repeat distribution yet.
(7) then, distribution is managed with server 6 additional electron note issuance identiflication numbers " 5678 " and electronic money distribution request amount of money “ $5000 ", come that electronic money is collected server 9 and carry out electronic money distribution trust (S65).The electronic money that receives this electronic money distribution trust is collected the control of server 9 by not shown control device, store electrons note issuance identiflication number " 5678 " and electronic money distribution request amount of money “ $5000 in electronic money distribution collection information database 8 " (S66).Then, the treatment situation with the electronic money of Fig. 6 distribution collection information database 8 is updated to " having distribution to entrust " (S67).
(8) system of electronic money provider 7 finishes the preparation of electronic money distribution thus, so electronic money is collected 9 pairs of distribution management of server and replied (S68) with server 6.And then the treatment situation of the electronic money of Fig. 6 being issued collection information database 8 is updated to " entrust and reply " (not shown) from " having distribution to entrust ".Accept this distribution of replying management and send the completed information of preparation (S69) of representing the electronic money distribution to portable telephone 1 with server 6.On the other hand, in described step 62, under the situation that can not carry out the electronic money distribution, this distribution management sends NG (S63) with server 6 to portable telephone 1.
(9) in Fig. 9, client A after suitable period by portable telephone 1, according to electronic money distribution identiflication number " 5678 " electronic money of system of electronic money provider 7 is collected the request of collecting that server 9 carries out electronic money.Electronic money is collected server 9 waits and is asked and standby (S70) from collecting of portable telephone 1, when existence is asked from collecting of portable telephone 1, receives this request of collecting (S71).
Then, according to electronic money distribution identiflication number " 5678 " retrieve electronic note issuance collection information database 8 (S72).At this moment, because described step 67, the treatment situation of this electronic money distribution collection information database 8 is " entrust and reply ", so, be judged to be the distribution (S73) that can carry out electronic money.Therefore, electronic money is collected server 9 and read the electronic money distribution request amount of money “ $5000 corresponding with electronic money distribution identiflication number " 5678 " from electronic money distribution collection information database 8 ", treatment situation is updated to " issuing " (S75) from " request of collecting ".If treatment situation even then there is the request of collecting about identical electronic money distribution identiflication number " 5678 " afterwards, is not issued electronic money for should " having entrusted the electronic money distribution " yet.
(10) last, electronic money is collected server 9 and according to electronic money distribution identiflication number " 5678 " portable telephone 1 is sent electronic money distribution request amount of money “ $5000 ", distribution electronic money (S76).Thus, supplement electronic money distribution request amount of money “ $5000 in the IC chip in being built in portable telephone 1 with money ".On the other hand, can not issue electronic money, then portable telephone 1 be sent NG (S74) if in step 73, be judged as.For example, the treatment situation of issuing collection information database 8 at electronic money becomes and repeats distribution, so can not issue electronic money under the situation of " issuing ".
In addition, about the distribution of QR distribution identiflication number " 1234 ", the situation of being carried out with server 6 by the distribution management in step S54 has been described, but has been not limited to this structure.For example, can when issuing the QR code, be intrinsic numbering and the mode of not distributing identical numbering also according to this QR distribution identiflication number, oneself distribute by POS terminal 2.Under this situation, the QR distribution identiflication number " 1234 " that system of 2 pairs of electronic money distribution of POS terminal management company 4 notices are distributed, the distribution management that receives the system of electronic money distribution management company 4 of notice is stored in the QR distribution with server 6 with this QR distribution identiflication number and handles in the information database 5.Under this situation, do not need the distribution identiflication number dispenser 83 of the distribution management of Figure 10 with server 6.Replace, the not shown distribution identiflication number dispenser by control part 31 controls is set in the POS of Fig. 3 terminal 2.
In addition, as shown in figure 10, in the present embodiment, distribution management storage part 89 in managing with server 6, is set in distribution, this distribution management is issued the program that identiflication number " 1234 " generates QR code 3 with storage part 89 storages according to QR, QR is issued identiflication number be converted to the QR code.But be not limited thereto, also can be arranged in the POS terminal 2.Under this situation, the distribution management sends the QR distribution identiflication number " 1234 " that is distributed with 6 pairs of POS terminals of server 2, the POS terminal 2 that receives this QR distribution identiflication number " 1234 " is encoded to QR code 3 with it, carries out based on the printing of the receipt 25 of printing portion 30 or based on the demonstration of client's display part 26.
In addition, about and electronic money distribution request amount of money “ $5000 " the bearer between clearing, electronic money provider for example asks get final product in the not shown shop to POS terminal 2 in the future, is being used for implementing best mode omission explanation of the present invention.
Be used for implementing best mode of the present invention, using POS terminal 2 to be illustrated, still apparent, also can reach same purpose by general personal computer and printer, display.That is, to give under the situation of electronic money to other people, use general personal computer and printer, not inform remittance take over party's bank account number, the addresses of items of mail of portable telephone, the identiflication number of wireless IC chip, just can give the individual.
In addition, under this situation, the distribution of QR distribution identiflication number " 1234 " is carried out in step 54 with server 6 by the distribution management, but is not limited thereto, and also can oneself be distributed by not shown personal computer.The QR distribution identiflication number " 1234 " that personal computer is distributed system of electronic money distribution management company 4 notices, the distribution management that receives the system of electronic money distribution management company 4 of notice is stored in the QR distribution with server 6 with this QR distribution identiflication number and handles in the information database 5.Do not need the distribution identiflication number dispenser 83 of the distribution management of Figure 10, replace with server 6, same with Fig. 3, the not shown distribution identiflication number dispenser by control part 31 controls is set in personal computer.
In addition, same, in distribution is managed with server 6, be provided for storage generates the program of QR code 3 according to QR distribution identiflication number " 1234 " distribution management storage part 89, but be not limited thereto, also it can be arranged on not shown personal computer side.Under this situation, the distribution management sends the QR distribution identiflication number " 1234 " that is distributed with 6 pairs of personal computer sides of server, the personal computer side that receives this QR distribution identiflication number " 1234 " is encoded to QR code 3 with it, carries out the output based on printer or display.
Claims (8)
1. electronic money issuing system, wherein, this electronic money issuing system has:
Portable terminal device, it is equipped with the IC chip;
The 1st server, it accepts the electronic money distribution request that comes via communication line from described portable terminal device, in response to described request according to the 1st identiflication number that is used for determining described IC chip, according to described the 1st identiflication number, described IC chip is supplemented with money electronic money by described portable terminal device;
The 2nd server, it has numbering dispenser and encoding section, this numbering dispenser is distributed the 2nd identiflication number, the 2nd identiflication number can ask to issue the qualification of electronic money of fixing amount as intrinsic numbering, this encoding section is encoded to figure code with the 2nd identiflication number that is distributed, the 2nd server is connected with memory storage, and this memory storage is mapped described the 2nd identiflication number and described fixing amount, and storage is at the electronic money distribution trust situation of described the 1st server; And
Outlet terminal, its state that can read with portable terminal device is exported described figure code,
Described portable terminal device reads this figure code and it is decoded as described the 2nd identiflication number, according to the 2nd identiflication number that described the 1st identiflication number and this decoding obtain, issues electronic money to the 2nd server requests,
Described the 2nd server also has judging part, this judging part is in response to the request from this portable terminal device, according to the electronic money distribution trust situation that is stored in the described storage part, judge and have or not the qualification that to ask to issue electronic money, under the situation that the qualification that can ask to issue electronic money is arranged, described the 2nd server is issued request from described portable terminal device to the 1st server.
2. electronic money distributing method, in this electronic money distributing method, according to the 1st identiflication number that is used for determining the IC chip, issue electronic money via communication line to the 1st server requests from the portable terminal device that this IC chip is installed, in response to this request,, by described portable terminal device this IC chip is supplemented with money electronic money from the 1st server according to described the 1st identiflication number, wherein, this electronic money distributing method comprises following steps:
Utilize the 2nd server-assignment the 2nd identiflication number, the 2nd identiflication number can ask to issue the qualification of electronic money of fixing amount as intrinsic numbering;
Utilize the 2nd server that the 2nd identiflication number that is distributed is encoded to figure code;
Described the 2nd identiflication number and described fixing amount are mapped, and storage is carried out the distribution trust situation that the electronic money distribution is entrusted from described the 2nd server to described the 1st server;
Export described figure code with the state that portable terminal device can read;
Described portable terminal device reads described figure code and it is decoded as described the 2nd identiflication number;
According to the 2nd identiflication number that described the 1st identiflication number and this decoding obtain, issue electronic money to described the 2nd server requests from this portable terminal device; And
Described the 2nd server is in response to the request from this portable terminal device, electronic money distribution trust situation according to described storage, judge and have or not the qualification that to ask to issue electronic money, under the situation that the qualification that can ask to issue electronic money is arranged, the 1st server is issued request from described portable terminal device.
3. electronic money issuance management system, it uses in electronic money issuing system, and wherein, this electronic money issuance management system has:
Portable terminal device, it is equipped with the IC chip;
The 1st server, it accepts the electronic money distribution request that comes via communication line from described portable terminal device, in response to described request according to the 1st identiflication number that is used for determining described IC chip, according to described the 1st identiflication number, described IC chip is supplemented with money electronic money by described portable terminal device;
The 2nd server, it has: the numbering dispenser, it distributes the 2nd identiflication number, and the 2nd identiflication number can ask to issue the qualification of electronic money of fixing amount as intrinsic numbering; Encoding section, it is encoded to figure code with the 2nd identiflication number that is distributed; And instruction unit, its indication is exported this figure code with the state that portable terminal device can read; And
Memory storage, it is mapped described the 2nd identiflication number and described fixing amount, and storage is issued the trust situation from the 2nd server to the electronic money of described the 1st server,
Described the 2nd server has control part, this control part carries out following control: according to described the 1st identiflication number with based on the 2nd identiflication number of described figure code, accept electronic money distribution request from portable terminal device, according to the electronic money distribution trust situation that is stored in the described memory storage, judge and have or not the qualification that to ask to issue electronic money, under the situation that the qualification that can ask to issue electronic money is arranged, described the 1st server is issued request from described portable terminal device.
4. an electronic money is issued management method, it uses in following electronic money issuing system: according to the 1st identiflication number that is used for determining the IC chip, issue electronic money via communication line to the 1st server requests from the portable terminal device that this IC chip is installed, in response to this request, according to described the 1st identiflication number, by described portable terminal device this IC chip is supplemented with money electronic money from the 1st server, wherein, this electronic money distribution management method comprises following steps:
Utilize the 2nd server-assignment the 2nd identiflication number, the 2nd identiflication number can ask to issue the qualification of electronic money of fixing amount as intrinsic numbering;
Utilize the 2nd server that the 2nd identiflication number that is distributed is encoded to figure code;
The state that indication can read with portable terminal device is exported this figure code;
Described the 2nd identiflication number and described fixing amount are mapped, and storage is from the electronic money distribution trust situation of the 2nd server to described the 1st server;
Described portable terminal device reads described figure code and it is decoded as described the 2nd identiflication number;
Described the 2nd server is accepted the electronic money distribution request from portable terminal device according to the 2nd identiflication number that described the 1st identiflication number and described decoding obtain; And
Described the 2nd server is in response to the request from this portable terminal device, electronic money distribution trust situation according to described storage, judge and have or not the qualification that to ask to issue electronic money, under the situation that the qualification that can ask to issue electronic money is arranged, the 1st server is issued request from described portable terminal device.
5. an electronic money distribution is used the identiflication number output unit, it uses in following electronic money issuing system: according to the 1st identiflication number that is used for determining the IC chip, issue electronic money via communication line to the 1st server requests from the portable terminal device that this IC chip is installed, in response to this request, according to described the 1st identiflication number, by described portable terminal device this IC chip is supplemented with money electronic money from the 1st server, wherein, this electronic money distribution has with the identiflication number output unit:
Printing portion, the qualification that the figure code of its printout the 2nd identiflication number on the medium that portable terminal device can read, the figure code of the 2nd identiflication number can ask to issue the electronic money of fixing amount is numbered as intrinsic numbering and distributes and coding obtains;
Client's display part, its state that can read with portable terminal device shows the figure code of exporting the 2nd identiflication number;
Switching part, it can switch described printing portion and client's display part; And
Control part, it controls described printing portion, client's display part and switching part,
Described output unit is connected with the 2nd server,
Described the 2nd server has following function: according to described the 1st identiflication number and the 2nd identiflication number of decoding and obtaining based on described figure code, accept electronic money distribution request from described portable terminal device, under the situation that the qualification that can ask to issue described electronic money is arranged, the 1st server is issued request from described portable terminal device.
6. an electronic money distribution is used the identiflication number output intent, it uses in following electronic money issuing system: according to the 1st identiflication number that is used for determining the IC chip, issue electronic money via communication line to the 1st server requests from the portable terminal device that this IC chip is installed, in response to this request, according to described the 1st identiflication number, by described portable terminal device this IC chip is supplemented with money electronic money from the 1st server, wherein, this electronic money distribution comprises following steps with the identiflication number output intent:
The qualification that the figure code of printout the 2nd identiflication number on the medium that portable terminal device can read, the figure code of the 2nd identiflication number can ask to issue the electronic money of fixing amount is numbered as intrinsic numbering and distributes and coding obtains;
The state that can read with described portable terminal device shows the figure code of exporting the 2nd identiflication number;
Switch described printout and show the execution of exporting; And
The output that receives described figure code from the 2nd server is indicated,
Described portable terminal device reads described figure code and it is decoded as described the 2nd identiflication number,
Described the 2nd server has following function: the 2nd identiflication number that obtains according to described the 1st identiflication number and this decoding, accept electronic money distribution request from described portable terminal device, under the situation that the qualification that can ask to issue described electronic money is arranged, the 1st server is issued request from described portable terminal device.
7. an electronic money distribution is used the identiflication number output intent, it uses in following electronic money issuing system: according to the 1st identiflication number that is used for determining the IC chip, issue electronic money via communication line to the 1st server requests from the portable terminal device that this IC chip is installed, in response to this request, according to described the 1st identiflication number, by described portable terminal device this IC chip is supplemented with money electronic money from the 1st server, wherein, this electronic money distribution comprises following steps with the identiflication number output intent:
Distribute the 2nd identiflication number, the 2nd identiflication number can ask to issue the qualification of electronic money of fixing amount as intrinsic numbering;
The 2nd identiflication number is encoded to figure code;
Export this figure code to the medium that described portable terminal device can read; And
To described the 2nd identiflication number that distributes of the 2nd server notification,
Described portable terminal device reads described figure code and it is decoded as described the 2nd identiflication number,
Described the 2nd server has following function: the 2nd identiflication number that obtains according to described the 1st identiflication number and this decoding, accept electronic money distribution request from described portable terminal device, under the situation that the qualification that can ask to issue described electronic money is arranged, the 1st server is issued request from described portable terminal device.
8. an electronic money is issued with identiflication number written-out program storage medium, it is to have stored to be used for making the electronic money distribution of using at following electronic money issuing system to export the computer read/write memory medium of the program of processing with the identiflication number output unit: this electronic money issuing system is according to the 1st identiflication number that is used for determining the IC chip, issue electronic money via communication line to the 1st server requests from the portable terminal device that this IC chip is installed, in response to this request, according to described the 1st identiflication number, by described portable terminal device this IC chip is supplemented with money electronic money from the 1st server, wherein, described program makes computing machine carry out the processing that comprises following steps:
Distribute the 2nd identiflication number, the 2nd identiflication number can ask to issue the qualification of electronic money of fixing amount as intrinsic numbering;
The 2nd identiflication number is encoded to figure code;
Export this figure code to the medium that described portable terminal device can read; And
To described the 2nd identiflication number that distributes of the 2nd server notification,
Described the 2nd server has following function: according to described the 1st identiflication number and the 2nd identiflication number of decoding and obtaining based on described figure code, accept electronic money distribution request from portable terminal device, under the situation that the qualification that can ask to issue described electronic money is arranged, the 1st server is issued request from described portable terminal device.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2007063107A JP2008225832A (en) | 2007-03-13 | 2007-03-13 | Electronic money issue system, electronic money issue method, electronic money issue management system, electronic money issue management method, apparatus for outputting identification number for electronic money issue, and method for outputting identification number for electronic money issue |
| JP063107/2007 | 2007-03-13 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101617331A true CN101617331A (en) | 2009-12-30 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200780051916A Pending CN101617331A (en) | 2007-03-13 | 2007-09-14 | Electronic money issuing system |
Country Status (4)
| Country | Link |
|---|---|
| JP (1) | JP2008225832A (en) |
| KR (1) | KR20100014889A (en) |
| CN (1) | CN101617331A (en) |
| WO (1) | WO2008111248A1 (en) |
Cited By (1)
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|---|---|---|---|---|
| CN105659267A (en) * | 2015-03-02 | 2016-06-08 | 上海路路由信息技术有限公司 | Method and equipment processing electronic currency |
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| BE1019406A0 (en) * | 2011-07-15 | 2012-06-05 | Koen Lenssens | PAYMENT SYSTEM. |
| ITRM20110391A1 (en) | 2011-07-22 | 2013-01-23 | Marco Cavaterra | METHOD AND EQUIPMENT FOR THE TRANSFER OF A MONEY MONEY WITH THE USE OF A TWO-DIMENSIONAL IMAGE CODE |
| MX2014001343A (en) * | 2011-08-02 | 2014-10-15 | Crane Merchandising Sys Inc | Quick response (qr) code generation in vending machines or kiosks for customer engagement. |
| WO2014097328A1 (en) * | 2012-12-19 | 2014-06-26 | Cavaterra, Marco | Method and apparatus for the transfer of a money amount by using a two-dimension image code |
| CN103903307A (en) * | 2012-12-27 | 2014-07-02 | 中国移动通信集团公司 | Taxi fare payment method and system, taxi fee register, and payment center |
| CN104134139A (en) * | 2013-05-03 | 2014-11-05 | 中国银联股份有限公司 | Method for encryption protection of financial information |
| US9721248B2 (en) | 2014-03-04 | 2017-08-01 | Bank Of America Corporation | ATM token cash withdrawal |
| JP6247193B2 (en) * | 2014-10-10 | 2017-12-13 | 山下 健一 | Advertisement browsing promotion system, information processing method and program |
| KR20160060173A (en) * | 2014-11-18 | 2016-05-30 | 윤재근 | System and method for managing information |
| US10460367B2 (en) | 2016-04-29 | 2019-10-29 | Bank Of America Corporation | System for user authentication based on linking a randomly generated number to the user and a physical item |
| US10268635B2 (en) | 2016-06-17 | 2019-04-23 | Bank Of America Corporation | System for data rotation through tokenization |
| KR101951794B1 (en) * | 2018-07-10 | 2019-05-02 | (주)한국전자금화폐 | A method of electronic cash generation using the identification of goldcoin |
| JP6847906B2 (en) * | 2018-11-05 | 2021-03-24 | 株式会社メルカリ | Information processing methods, information processing devices, and programs |
| JP6689357B1 (en) * | 2018-12-17 | 2020-04-28 | 高光産業株式会社 | Condolence money management device, condolence money management method and program |
| JP2020160972A (en) * | 2019-03-27 | 2020-10-01 | ＰａｙＰａｙ株式会社 | Terminal control program, information processing device, information processing method, and information processing program |
| JP7441191B2 (en) * | 2021-03-05 | 2024-02-29 | 株式会社日本総合研究所 | information processing equipment |
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| JP2004206436A (en) * | 2002-12-25 | 2004-07-22 | Toshiba Tec Corp | Commodity sales data processor |
| JP4305847B2 (en) * | 2004-03-26 | 2009-07-29 | 富士通株式会社 | Store settlement method, system and program |
| JP2006119739A (en) * | 2004-10-19 | 2006-05-11 | Bitwallet Inc | Apparatus and method for processing amount of money |
| JP2006330810A (en) * | 2005-05-23 | 2006-12-07 | Toshiba Tec Corp | Service information processor, and lottery system |
-
2007
- 2007-03-13 JP JP2007063107A patent/JP2008225832A/en active Pending
- 2007-09-14 CN CN200780051916A patent/CN101617331A/en active Pending
- 2007-09-14 WO PCT/JP2007/067922 patent/WO2008111248A1/en active Application Filing
- 2007-09-14 KR KR1020097018253A patent/KR20100014889A/en not_active Application Discontinuation
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105659267A (en) * | 2015-03-02 | 2016-06-08 | 上海路路由信息技术有限公司 | Method and equipment processing electronic currency |
| CN105659267B (en) * | 2015-03-02 | 2021-04-02 | 上海路路由信息技术有限公司 | Method and equipment for processing electronic money |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2008111248A1 (en) | 2008-09-18 |
| JP2008225832A (en) | 2008-09-25 |
| KR20100014889A (en) | 2010-02-11 |
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