JP2000029965A - Electronic wallet - Google Patents
Electronic walletInfo
- Publication number
- JP2000029965A JP2000029965A JP19556598A JP19556598A JP2000029965A JP 2000029965 A JP2000029965 A JP 2000029965A JP 19556598 A JP19556598 A JP 19556598A JP 19556598 A JP19556598 A JP 19556598A JP 2000029965 A JP2000029965 A JP 2000029965A
- Authority
- JP
- Japan
- Prior art keywords
- electronic
- electronic wallet
- wallet
- card
- settlement
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000010586 diagram Methods 0.000 description 9
- 230000004308 accommodation Effects 0.000 description 7
- 230000006870 function Effects 0.000 description 3
- 238000000034 method Methods 0.000 description 2
- 230000004044 response Effects 0.000 description 1
Landscapes
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
【発明の属する技術分野】本発明はＩＣカード内に設定
した電子財布に関する。The present invention relates to an electronic wallet set in an IC card.
【従来の技術】従来、あらかじめ購入した金額、あるい
は預金通帳から引き落とし可能な金額等の数値を電子現
金データとしてＩＣカード内に格納し、電子財布のよう
に利用する方法が考えられている。また、ＩＣカード内
にプリペイド領域、商品購入後一定期間後に決済が行わ
れるクレジット与信領域、商品購入時即時に口座から決
済が行われるデビットカード領域等を設定したマルチ決
済対応のＩＣカードも提案されている。2. Description of the Related Art Conventionally, there has been considered a method of storing a numerical value such as an amount of money purchased in advance or an amount that can be withdrawn from a bankbook as electronic cash data in an IC card and using it like an electronic wallet. A multi-payment compatible IC card in which an IC card is provided with a prepaid area, a credit area in which payment is made after a certain period of time after the product is purchased, and a debit card area in which payment is made immediately from the account when the product is purchased has been proposed. ing.
【発明が解決しようとする課題】しかしながら、従来の
ものでは、１枚のＩＣカードで電子現金、プリペイドカ
ード、クレジットカード、デビットカード等を用途ごと
に複数設定するようにしているが、各用途の電子現金デ
ータをＩＣカード内で相互に転用してやりくりすること
が出来なかった。例えば、プリペイドカードを購入した
金額が使わずに残っていたとしても、これを他の決済金
額に転用できず、利用者にとって不便であり、そのた
め、ＩＣカード内の電子現金を有効に利用できなかっ
た。また、現金は匿名性をもって還流するため、現金に
用途などの特定の情報を搭載することは難しく、有効な
対策をとることが困難であった。本発明は上記課題を解
決するためのもので、１枚のＩＣカードで複数の用途間
の電子現金を相互に転用可能とし、ＩＣカード内の電子
現金を有効に利用できるようにした電子財布を提供する
ことを目的とする。However, in the prior art, a plurality of electronic cash, prepaid card, credit card, debit card, etc. are set for each application with one IC card. Electronic cash data could not be interchanged within the IC card and managed. For example, even if the prepaid card purchase amount remains unused, it cannot be diverted to another payment amount, which is inconvenient for the user, and therefore, the electronic cash in the IC card cannot be used effectively. Was. In addition, since cash flows anonymously, it is difficult to mount specific information such as a use on cash, and it is difficult to take effective measures. An object of the present invention is to solve the above-mentioned problem, and an electronic wallet in which electronic cash for a plurality of uses can be diverted to each other with one IC card and electronic cash in the IC card can be effectively used. The purpose is to provide.
【課題を解決するための手段】本発明は、演算装置、主
メモリ、読み出し専用メモリ、不揮発性メモリを有する
ＩＣカードに設定された電子財布であって、前記電子財
布は用途別の複数の電子財布からなり、少なくとも一部
の電子財布間の現金の融通を可能にする手段を備えたこ
とを特徴とする。また、本発明は、前記各電子財布はそ
れぞれ決済手段、認証手段を備えていることを特徴とす
る。また、本発明は、前記各決済手段を管理する決済管
理手段を備え、所定の電子財布の残額が不足して決済不
能であることを条件に、他の電子財布の電子現金を融通
することを特徴とする。また、本発明は、所定の電子財
布を他の電子財布への融通を不可とするようにしたこと
を特徴とする。また、本発明は、前記各電子財布は、通
話用途、図書購入用途、交通機関用途、デビッドカード
用途、一般用途、ポイントサービス、所属する会社の公
費用途等からなることを特徴とする。According to the present invention, there is provided an electronic wallet set on an IC card having an arithmetic unit, a main memory, a read-only memory, and a non-volatile memory. It is characterized by comprising a wallet, and means for enabling cash to be exchanged between at least a part of the electronic wallets. Further, the invention is characterized in that each of the electronic wallets includes a settlement unit and an authentication unit. Further, the present invention includes a payment management means for managing each of the payment means, and provides for electronic cash of another electronic wallet on condition that the remaining amount of the predetermined electronic wallet is insufficient and payment is not possible. Features. Further, the present invention is characterized in that a predetermined electronic wallet cannot be accommodated in another electronic wallet. Further, the present invention is characterized in that each of the electronic wallets is used for telephone use, book purchase use, transportation use, debit card use, general use, point service, public expense use of a company to which the electronic wallet belongs, and the like.
【発明の実施の形態】以下、本発明の実施の形態につい
て説明する。図１は本発明の電子財布の概念図であり、
ＩＣカード２内には電子財布３が設定され、電話機、レ
ジスター、支払機等の外部装置１と接続して決済できる
ように構成されている。図２に示すように、ＩＣカード
２はＣＰＵ２ａ、ＲＡＭ２ｂ、ＲＯＭ２ｃ、ＥＥＰＲＯ
Ｍ２ｄを有しており、ＲＯＭ２ｃに記憶されているプロ
グラムをＣＰＵ２ａに読み込み、外部装置１から送信さ
れる命令をＩ／Ｏポートを通して受信すると、命令と共
に送信されるデータを読み込んで必要な処理を行い、結
果をＥＥＰＲＯＭ２ｄの所定のファイルエリアに書き込
み，Ｉ／Ｏポートを通してレスポンスを出力し、決済す
る機能を有している。図３はこのようなＩＣカードに設
定された電子財布の機能を示すブロック図である。図３
において、財布Ａ、財布Ｂ、財布Ｃ……はＩＣカード２
のＥＥＰＲＯＭ２ｄに設定されており、各財布に対応し
て決済手段３１，３２，３３……が設けられ、さらに各
決済手段を管理する決済管理手段３０が設けられてい
る。決済手段３１，３２，３３……は、商品を購入して
決済指示があったとき、財布の内容を参照して残額の範
囲の金額か否かを確認し、支払い可能であれば財布から
所定の金額を減算して決済処理するためのものである。
決済管理手段３０は、特定の決済手段の財布の中身が決
済すべき金額に対して不足したとき、他の決済手段を通
して支払い可能な財布を検索し、該当する財布がみつか
ったときその財布から不足金額を融通する処理を行うた
めのものである。なお、他の財布に融通したときは、そ
の履歴を決済手段を通して記録する。図４は財布の中身
の例を示す図である。財布には、例えば用途種別、電子
現金データ、履歴データ、融通可能指示フラグ、ＩＤ等
の領域が設けられている。用途種別は電子財布の決済用
途の種別を示しており、例えば、通話用途、図書購入用
途、交通機関用途、デビットカード用途、一般用途、所
属する会社の公費用途、ポイントサービス等からなって
いる。電子現金データは、現在使用可能な金額（残額）
データである。履歴データは、財布の使用履歴を記録し
たもので、他の財布との融通があった場合はそのやり取
り等のデータも記録される。融通可能指示フラグは、他
の財布へ貸したり、あるいは借りたりすることを可能か
否かを示すフラグで、フラグ１の場合は可能、フラグ０
の場合は不可能を意味している。例えば、所属する会社
の公費用途のような財布の場合には、他の財布への転用
は不可とし、また、ポイント用途のような財布の場合
は、特定店舗での購買で生じたポイントを電子現金の価
値として蓄積するので、他の財布への融通はできないよ
うにするためのものである。ＩＤは決済用途のための認
証手段であり、このＩＤを参照して一致する場合は決済
が行われる。財布間で融通を行う場合、例えば、図５に
示すように、財布Ａ，Ｂ，Ｃ，Ｄ，Ｅ，Ｆがあるとき、
それぞれ融通順位を付けたテーブルを用意し、決済手段
において、電子現金の不足が生じた時、決済管理手段は
このテーブルを参照し、融通順位に応じて融通に応ずる
財布を参照し、融通可能な財布があったとき、ここから
転用するようにする。もちろん、このような融通順位テ
ーブルでなく、ランダムに他の財布に当たるようにして
も良く、あるいは特定の財布には特定の財布を対応させ
て融通するようにしても良い。次に、図６により実際に
電子財布の現金を転用する例について説明する。図６
（ａ）は図書用途で、電子現金１０００円、使用履歴○
月○日……、×月×日……、融通可能指示フラグ１、Ｉ
Ｄ××××であり、このカードで１２００円の書籍の買
物をする場合を考えると、図書用途の電子現金は２００
円不足する。外部装置１よりＩＣカード２の電子財布が
この情報を受け取ると、決済管理手段では、他の財布を
参照し、融通可能な財布を検索する。検索の結果、図６
（ｂ）に示すように、通話用途の財布に、残額４００円
があり、かつ融通可能指示フラグ１で、ここからの転用
が可能であることが分かる。そこで、通話用途の財布か
ら図書用途の財布に２００円転用され、１２００円の決
済が行われる。その結果、図書用途の履歴データには、
−２００（通話用途）の記録が残り、通話用途の財布の
履歴データには、＋２００（図書用途）の記録が残り、
貸し借りが分かるようになっている。Embodiments of the present invention will be described below. FIG. 1 is a conceptual diagram of the electronic wallet of the present invention,
An electronic wallet 3 is set in the IC card 2 and is configured to be able to make a payment by connecting to an external device 1 such as a telephone, a register, and a payment machine. As shown in FIG. 2, the IC card 2 includes a CPU 2a, a RAM 2b, a ROM 2c, an EEPRO
M2d, a program stored in the ROM 2c is read into the CPU 2a, and when an instruction transmitted from the external device 1 is received through the I / O port, data transmitted with the instruction is read and necessary processing is performed. Has a function of writing the result to a predetermined file area of the EEPROM 2d, outputting a response through the I / O port, and performing settlement. FIG. 3 is a block diagram showing functions of an electronic wallet set in such an IC card. FIG.
, Wallet A, wallet B, wallet C ... IC card 2
Are set in the EEPROM 2d, and settlement means 31, 32, 33... Are provided corresponding to each wallet, and a settlement management means 30 for managing each settlement means is provided. The settlement means 31, 32, 33,..., When the customer purchases the product and instructs the settlement, confirms whether or not the amount is within the remaining amount by referring to the contents of the wallet. Is settled for the settlement processing.
When the contents of the wallet of the specific settlement means are insufficient for the amount to be settled, the settlement management means 30 searches for a purse that can be paid through another settlement means, and when a corresponding purse is found, the purse is insufficient. This is for performing a process of receiving money. In addition, when it has been exchanged for another wallet, its history is recorded through the settlement means. FIG. 4 is a diagram showing an example of the contents of a wallet. The wallet is provided with, for example, areas such as a use type, electronic cash data, history data, a versatile instruction flag, and an ID. The type of use indicates the type of settlement of the electronic wallet, and includes, for example, telephone use, book purchase use, transportation use, debit card use, general use, public expense use of the company to which the user belongs, point service, and the like. Electronic cash data is the currently available amount (remaining amount)
Data. The history data is a record of the use history of the wallet, and if there is accommodation with another wallet, data such as the exchange is also recorded. The accommodation-possible instruction flag is a flag indicating whether it is possible to lend or borrow to another wallet.
In the case of implies impossible. For example, if the wallet is for public use of the company to which it belongs, it cannot be diverted to another wallet, and for wallets such as point use, points generated by purchasing at a particular store will be The purpose of this is to make it impossible to accommodate other purses, as they accumulate as the value of cash. The ID is an authentication means for the purpose of payment, and if the ID is matched with reference to the ID, payment is performed. In the case where the purses are exchanged, for example, as shown in FIG. 5, when there are purses A, B, C, D, E, and F,
Prepare a table in which the order of accommodation is assigned, and in the case of shortage of electronic cash in the settlement means, the settlement management means refers to this table, refers to the wallet corresponding to the accommodation according to the accommodation order, and allows accommodation. If you have a wallet, divert it from here. Of course, instead of such an accommodation order table, other wallets may be randomly hit, or a specific wallet may be associated with a specific wallet. Next, an example in which cash in the electronic wallet is actually diverted will be described with reference to FIG. FIG.
(A) is for books, electronic cash 1000 yen, usage history ○
Month ○ day, × month × day, 融, interchangeable instruction flag 1, I
Dxxxx, and considering the case of shopping for a 1200 yen book with this card, the electronic cash for books is 200 yen.
Shortage of yen. When the electronic wallet of the IC card 2 receives this information from the external device 1, the settlement management means refers to another wallet and searches for a versatile wallet. As a result of the search, FIG.
As shown in (b), it can be seen that there is a remaining amount of 400 yen in the wallet for call use and that the versatility indication flag 1 can be diverted from here. Therefore, 200 yen is diverted from a wallet for call use to a wallet for book use, and settlement of 1200 yen is performed. As a result, the historical data for books
A record of -200 (call use) remains, and +200 (book use) record remains in the history data of the wallet for call use.
You can see the loan.
【発明の効果】以上のように本発明によれば、１枚のＩ
Ｃカードで複数の用途の決済手段を有し、利用者はＩＣ
カード内の電子財布の各電子現金を相互に転用して有効
に利用可能であり、利用しなくなった決済用途の再利用
も可能である。また、匿名性をもった電子現金に電子財
布の属性（ＩＤ）を付けることで、電子現金に用途性を
持たせることができ、また、電子財布に汎用性のない特
定用途の現金データを蓄積することでポイント用途に利
用も可能である。また、利用者は１枚のＩＣカード内で
活用できる現金データの運用を正確に把握可能であり、
さらにキャッシュバックをＩＣカード内で行うことが可
能である。As described above, according to the present invention, one I
The C card has multiple means of payment, and the user can use IC
The electronic cash in the electronic wallet in the card can be diverted to each other to be used effectively, and reuse of the settlement use that has been stopped can be performed. In addition, by attaching an electronic wallet attribute (ID) to electronic cash with anonymity, the electronic cash can be given versatility, and the electronic wallet accumulates cash data for a specific use that is not versatile. By doing so, it can be used for point use. In addition, the user can accurately grasp the operation of cash data that can be used in one IC card,
Further, cashback can be performed in the IC card.
【図１】 本発明の電子財布の概念図である。FIG. 1 is a conceptual diagram of an electronic wallet of the present invention.
【図２】 ＩＣカードの構成を示す図である。FIG. 2 is a diagram showing a configuration of an IC card.
【図３】 電子財布の機能を示すブロック図である。FIG. 3 is a block diagram showing functions of the electronic wallet.
【図４】 財布の中身の例を示す図である。FIG. 4 is a diagram showing an example of the contents of a purse.
【図５】 融通順位テーブルを示す図である。FIG. 5 is a diagram showing an accommodation order table.
【図６】 電子財布の現金の転用を説明する図である。FIG. 6 is a diagram illustrating the diversion of cash in an electronic wallet.
１…外部装置、２…ＩＣカード、３…電子財布、３０…
決済管理手段、３１，３２，３３…決済手段。DESCRIPTION OF SYMBOLS 1 ... External device, 2 ... IC card, 3 ... Electronic wallet, 30 ...
Payment management means 31, 32, 33 ... Payment means.
───────────────────────────────────────────────────── フロントページの続き (72)発明者 半田富己男 東京都新宿区市谷加賀町一丁目１番１号大 日本印刷株式会社内 (72)発明者 平野晋健 東京都新宿区市谷加賀町一丁目１番１号大 日本印刷株式会社内 Ｆターム(参考） 3E040 AA03 EA10 FK09 5B035 AA06 AA13 BB09 BC02 CA38 5B049 AA02 CC39 CC50 DD04 EE02 EE21 GG02 5B055 KK05 KK16 ──────────────────────────────────────────────────続 き Continuing from the front page (72) Inventor Kimio Tomio 1-1-1 Ichigaya-Kaga-cho, Shinjuku-ku, Tokyo Nippon Printing Co., Ltd. (72) Inventor Shinken Hirano Shin-juku-ku, Tokyo F-term (reference) in 1-1-1 Dai Nippon Printing Co., Ltd. 3E040 AA03 EA10 FK09 5B035 AA06 AA13 BB09 BC02 CA38 5B049 AA02 CC39 CC50 DD04 EE02 EE21 GG02 5B055 KK05 KK16
Claims (5)
リ、不揮発性メモリを有するＩＣカードに設定された電
子財布であって、前記電子財布は用途別の複数の電子財
布からなり、少なくとも一部の電子財布間の現金の融通
を可能にする手段を備えたことを特徴とする電子財布。1. An electronic wallet set on an IC card having an arithmetic unit, a main memory, a read-only memory, and a non-volatile memory, wherein the electronic wallet includes a plurality of electronic wallets for each application, and at least a part of the electronic wallet. An electronic wallet comprising means for enabling the exchange of cash between electronic wallets.
証手段を備えていることを特徴とする電子財布。2. The electronic wallet according to claim 1, wherein each of the electronic wallets includes a settlement unit and an authentication unit.
を備え、所定の電子財布の残額に、他の電子財布の電子
現金を融通することを特徴とする請求項２記載の電子財
布。3. The electronic wallet according to claim 2, further comprising a settlement management unit for managing each of the settlement units, wherein the remaining amount of the predetermined electronic wallet is exchanged with electronic cash of another electronic wallet.
を不可とするようにしたことを特徴とする請求項１記載
の電子財布。4. The electronic wallet according to claim 1, wherein a predetermined electronic wallet cannot be exchanged with another electronic wallet.
用途、交通機関用途、一般用途、ポイントサービス、所
属する会社の公費用途等からなることを特徴とする請求
項１記載の電子財布。5. The electronic wallet according to claim 1, wherein each of the electronic wallets has a telephone use, a book purchase use, a transportation use, a general use, a point service, a public expense use of an affiliated company, and the like.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP19556598A JP2000029965A (en) | 1998-07-10 | 1998-07-10 | Electronic wallet |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP19556598A JP2000029965A (en) | 1998-07-10 | 1998-07-10 | Electronic wallet |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JP2000029965A true JP2000029965A (en) | 2000-01-28 |
| JP2000029965A5 JP2000029965A5 (en) | 2005-10-27 |
Family
ID=16343246
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP19556598A Pending JP2000029965A (en) | 1998-07-10 | 1998-07-10 | Electronic wallet |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JP2000029965A (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2001325580A (en) * | 2000-05-16 | 2001-11-22 | Glory Ltd | Device and method for data storage, device and method for information processing, and recording medium |
| JP2002170064A (en) * | 2000-12-05 | 2002-06-14 | Dainippon Printing Co Ltd | Point service system linked with electronic money |
| JP2002358432A (en) * | 2001-06-01 | 2002-12-13 | Fuji Photo Film Co Ltd | Selling method for grab bag, and method, system, device, and program for grab bag retrieval |
| KR100629084B1 (en) * | 2000-03-28 | 2006-09-27 | 조인호 | A payment system of traffic fare using reserved repaying points |
| US7337145B2 (en) | 2000-08-03 | 2008-02-26 | Fujitsu Limited | E-money managing method and system, e-money managing/holding medium, computer-readable recording medium in which e-money managing program is recorded, e-value managing/holding medium, and e-value managing method |
| JP2008511663A (en) * | 2004-09-01 | 2008-04-17 | ネクスメツド・ホールデイングス・インコーポレイテツド | Transdermal antiemetic delivery system, methods and compositions therefor |
| JP2009053764A (en) * | 2007-08-23 | 2009-03-12 | Sony Corp | Electronic wallet device, electronic value using method and program |
| JP2009251691A (en) * | 2008-04-01 | 2009-10-29 | Glory Ltd | Electronic money settlement device |
| JP2020522813A (en) * | 2017-05-30 | 2020-07-30 | エピソード シックス リミテッド | Systems and methods for value unit conversion, usage, arbitration, and creation of trading product applications |
-
1998
- 1998-07-10 JP JP19556598A patent/JP2000029965A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100629084B1 (en) * | 2000-03-28 | 2006-09-27 | 조인호 | A payment system of traffic fare using reserved repaying points |
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