JP2000113081A - Method and device for processing electronic cash transaction, and electronic wallet card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it possible to process plural kinds of electronic cash information having respectively different currency units only by one device by converting a charge generated by a business transaction into an amount of a currency unit selected from among plural currency units by the latest value of exchange rate and then subtracting the amount from the cash information of respective currency units. SOLUTION: A CPU 41 in an electronic cash transaction processor 1 judges whether the currency unit of a charge stored in a work area is US dollar or Japanese yen, and in the case of the Japanese yen, the charge is converted into the US dollar by the latest value of the exchange rate stored in a latest rate value memory. A message of payment notification information for notifying that the charge can be paid only by the electronic cash information of the US dollar is transmitted to an IC card processing terminal 2 connected through a communication interface 44. In the case of the US dollar, the charge is converted into the Japanese yen by the latest value of the exchange rate. Then, a message of payment notification information for notifying that the charge can be paid only by the electronic cash information of the Japanese yen is transmitted to the terminal 2.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and an apparatus for processing an electronic cash transaction and an electronic wallet card used in the electronic cash transaction.

[0002]

2. Description of the Related Art In recent years, electronic cash transactions, which process payments made in commercial transactions, using IC cards, so-called electronic wallet cards, which store digitized money value information, so-called electronic cash information, have been put into practical use. is there.

In this electronic cash transaction, an electronic wallet card composed of an IC card is distributed to a person who has opened an account at a financial institution such as a bank.
If necessary, electronic cash information is withdrawn from the user's account using an electronic cash replenishing device with an IC card reader / writer connected online to the host computer of the financial institution, and replenished to his own electronic wallet card. At this time, in the host computer of the financial institution, the electronic cash information withdrawn by the owner of the electronic wallet card is collectively registered as a floating fund in the pending account. On the other hand, in stores that handle commercial transactions by electronic cash transactions, an electronic cash transaction processing device with an IC card reader / writer that is also connected online to the host computer of the financial institution is installed, and an account of the store is opened at the financial institution. Keep it. Then, when a commercial transaction with the electronic wallet card owner occurs, the electronic cash transaction processing device is used to subtract the amount of money generated in the commercial transaction from the electronic cash stored in the electronic wallet card, and the electronic cash transaction As information related to the electronic wallet card, the identification information of the electronic wallet card, the ID information of the owner of the electronic wallet card, the information on the amount of the price, etc. are transmitted online to the host computer of the financial institution. Thus, in the host computer of the financial institution, the amount of the money generated in the commercial transaction with the owner of the electronic wallet card from the floating funds stored in the pending account is transferred to the account of the store.

[0004] In the conventional electronic cash transaction processing apparatus, usable currency units of electronic cash information are limited to one type. For this reason, for example, in an electronic cash transaction processing apparatus in which the currency unit of electronic cash information is limited to Japanese yen, only an electronic wallet card storing electronic cash information of Japanese yen can be used, and other electronic wallet cards such as US dollars and francs can be used. It was not possible to use an electronic wallet card in which electronic cash information in currency units was stored.

[0005]

[Problems to be Solved by the Invention] In Japan,
With the amendment of the Foreign Exchange and Foreign Trade Control Law, which was enforced in April 998, the so-called Foreign Exchange Law, it has become possible to shop in currency units other than Japanese yen. As a result, for example, a consumer who owns Japanese yen and US dollars exchanges the US dollar for the exchange rate (the rate of Japanese yen for US dollar 1 US dollars: yen / 1 US dollar) and the exchange rate for shopping. (Yen / 1 ＄), the latter is more advantageous to pay in US dollars when the rate is higher, that is, when the yen is weaker,
In the latter case, when the rate is lower, that is, when the yen is strong, it is more advantageous to pay in Japanese yen.

[0006] This is the same in electronic cash transactions. That is, if the electronic cash information of Japanese yen and the electronic cash information of US dollar can be stored in one electronic wallet card, the electronic cash information of US dollar is withdrawn from the account and the exchange when refilling the electronic wallet card is performed. Depending on the difference between the exchange rate and the exchange rate at the time the commercial transaction occurred, there are cases where it is more advantageous to pay with electronic cash information in Japanese yen and cases where it is more advantageous to pay with electronic cash information in US dollar there were.

However, in the conventional electronic cash transaction, the electronic cash transaction processing device installed in each store can process only one type of electronic cash information in one currency unit. In order to be able to handle such electronic cash information, there is a problem in that the number of electronic cash transaction processing apparatuses corresponding to the number of types of currency units must be installed in the store.

[0008] The present invention has been made in view of such circumstances, and an object thereof is to provide a single electronic cash transaction processing apparatus capable of handling a plurality of types of electronic cash information having different currency units. It is intended to provide a cash transaction processing method. Another object of the present invention is to provide an electronic cash transaction processing device that can handle a plurality of types of electronic cash information having different currency units. Another object of the present invention is to provide an electronic wallet card suitable for use in an electronic cash transaction processing device capable of handling a plurality of types of electronic cash information having different currency units.

[0009]

The invention according to claim 1 of the present application is a processing method of an electronic cash transaction in which a payment generated in a commercial transaction is paid by cash information electronically stored in an electronic wallet card, The electronic wallet card stores cash information in a first currency unit, cash information in a second currency unit different from the first currency unit, and an exchange rate of the first currency unit for the second currency unit. The latest value of the exchange rate between the first currency unit and the second currency unit is set in the electronic cash transaction processing apparatus which has the function of reading and writing the data of the electronic wallet card while being electronically stored. When an electronic cash transaction occurs, the electronic cash transaction processing device first reads the cash information and the exchange rate of each currency stored electronically from the electronic wallet card. Next, the exchange rate in the data read from the electronic wallet card and the latest value of the exchange rate are displayed, and one of the currency units can be selected. Here, when the first currency unit is selected, the price generated in the commercial transaction is converted into the amount of the first currency unit with the latest value of the exchange rate, and the converted amount is stored in the electronic wallet card. The payment is controlled by subtracting the cash information of the first currency unit. On the other hand, when the second currency unit is selected, the price is converted to the amount of the second currency unit with the latest value of the exchange rate, and the converted amount is stored in the electronic wallet card. The payment is controlled by subtracting from the cash information in the second currency unit.

According to the invention described in claim 2 of the present application, the electronic cash transaction processing apparatus reads the cash information of each currency unit and the exchange rate electronically stored from the electronic wallet card in response to the occurrence of the electronic cash transaction. Is the same as the electronic cash transaction processing method described in claim 1 above. According to a second aspect of the present invention, when the electronic cash transaction processing device reads the cash information of each currency unit and the exchange rate electronically stored from the electronic wallet card, the data read from the electronic wallet card Compare the exchange rate with the latest value of the exchange rate. Then, when the latest value is lower, the price generated in the commercial transaction is converted into the amount of the first currency unit by the latest value of the exchange rate, and the converted amount is stored in the first wallet card stored in the electronic wallet card. Payments are controlled by subtracting from the cash information in the currency unit of, and when the latest price is higher, the price is converted to the value of the second currency unit with the latest value of the exchange rate, and then The payment is controlled by subtracting the amount from the cash information in the second currency unit stored in the electronic wallet card.

[0011] The invention described in claim 3 of the present application is the above-described claim 2.
In the electronic cash transaction processing method described in the above, the step of controlling the payment, the exchange rate in the data read from the electronic wallet card and the latest value of the exchange rate as a result of the latest value is lower rate If the cash information in the first currency unit stored in the electronic wallet card is insufficient for the price generated in the commercial transaction, the entire cash information in the first currency unit is withdrawn and the shortage is deducted. After converting to the second currency unit amount with the latest exchange rate, the payment is controlled by subtracting the converted amount from the cash information in the second currency unit, and the latest value is higher. If the cash information in the second currency unit stored in the electronic wallet card is insufficient for the amount generated in the commercial transaction, the entire cash information in the second currency unit is removed and After converting the minute the amount of the first currency unit in the latest value of the exchange rate, the amount of money after the terms of the first
The payment is controlled by subtracting from the cash information of the currency unit.

[0012] The invention according to claim 4 of the present application provides a cash information of a first currency unit and a second cash information of a different type from the first currency unit.
An electronic cash transaction processing device that processes payment of a transaction generated using an electronic wallet card that electronically stores cash information in a currency unit and an exchange rate of a first currency unit for a second currency unit. And the second of the first currency unit
A newest value memory for storing the latest value of the exchange rate for each currency unit, a medium data reading unit for reading data stored electronically on the electronic wallet card, and data from the electronic wallet card by the medium data reading unit. Is read, the rate display means for displaying the exchange rate in the data and the latest value of the exchange rate stored in the rate latest value memory, and any one of the first currency unit and the second currency unit is displayed. When the first currency unit is selected by the currency unit selection means after the currency unit selection means and the exchange rate display by the rate display means, the price generated in the commercial transaction is converted to the first currency unit by the latest value of the exchange rate. A first method of controlling payment by subtracting the converted amount from the cash information in the first currency unit stored in the electronic wallet card after the conversion into the amount. When the second currency unit is selected by the currency unit selecting means after the exchange rate display by the payment control means and the rate display means, the price generated in the commercial transaction is converted into the amount of the second currency unit by the latest value of the exchange rate. After that, a second payment control means for controlling payment by subtracting the converted amount from the cash information in the second currency unit stored in the electronic wallet card.

The invention described in claim 5 of the present application is the above-described claim 4.
When the data is read from the electronic wallet card by the medium data reading unit in place of the rate display means and the currency unit selecting means in the electronic cash transaction processing device described in the above, the exchange rate in the data and the rate latest value memory are stored. Rate comparing means for comparing the latest value of the exchange rate and the first payment control means, and when the latest value is lower as a result of the comparison by the rate comparing means, the price generated in the commercial transaction is replaced by the exchange rate. Means for controlling payment by subtracting the converted amount from the cash information in the first currency unit stored in the electronic wallet card after converting the amount into the first currency unit with the latest value of The second payment control means, when the latest value is higher as a result of the comparison by the rate comparing means, the price generated in the commercial transaction is converted to the second currency by the latest value of the exchange rate. After converted into position amounts, in which the means for controlling the payment by subtracting the amount after the conversion from the cash information of the second currency stored in the electronic purse card.

[0014] The invention according to claim 6 of the present application provides the above-mentioned claim 5.
In the electronic cash transaction processing device described in the above, the first payment control means, when the cash information of the first currency unit stored in the electronic wallet card is insufficient for the price generated in the commercial transaction, After subtracting the entire cash information in the first currency unit and converting the shortfall into the second currency unit amount using the latest value of the exchange rate, the converted amount is subtracted from the cash information in the second currency unit. The second payment control means is provided with a second payment control means for controlling payment when the cash information in the second currency unit recorded on the electronic wallet card is insufficient for the price generated in the commercial transaction. Withdrawing all cash information in the currency unit of the first currency unit and converting the shortfall to the amount in the first currency unit with the latest value of the exchange rate, and then subtracting the converted amount from the cash information in the first currency unit Ability to control payments with It is those provided.

The invention described in claim 7 of the present application is the above-described claim 4.
An electronic wallet card comprising an IC card or the like usable in the electronic cash transaction processing device described in any one of Items 1 to 6, wherein a first currency unit of cash information is electronically stored.
A cash area, a second cash area for electronically storing cash information of a second currency unit different from the first currency unit, and a case where cash information is added and stored in the second cash area. And a rate area for electronically storing an exchange rate of the first currency unit with respect to the second currency unit.

[0016]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings. In this embodiment, an electronic cash transaction processing device capable of processing an electronic cash transaction using an electronic wallet card formed of an IC card storing electronic cash information in two kinds of currency units, Japanese yen and US dollar. The case where the present invention is applied will be described below.

FIG. 1 is a perspective view showing an external configuration of an electronic cash transaction processing apparatus according to the present embodiment, and FIG. 2 is a block diagram showing an internal configuration of the electronic cash transaction processing apparatus.
As shown in FIG. 1, the electronic cash transaction processing device has a POS
(Point Of Sales: point-of-sale information management) An electronic cash transaction processing apparatus main body 1 mainly composed of a terminal, and an IC card processing terminal 2 for reading and writing data on an electronic wallet card C composed of an IC card. Are connected by an interface cable 3 as a communication means.

The electronic cash transaction processing device main body 1 prints and issues an electronic cash transaction slip and the like, a keyboard 11 provided with various keys required for processing the electronic cash transaction, a display 12 for displaying key input data and the like. A printer 13 and the like are provided. Then, as shown in FIG. 2, the overall operation of the electronic cash transaction processing device including these input / output devices is controlled,
CPU as a control unit main body for executing electronic cash transaction processing
(Central Processing Unit) 41 is installed.

A ROM (Read Only Memory) 42 storing a control program for the CPU 41 and a RAM (Ra) forming a memory area for temporarily storing various data.
ndomAccess Memory) 43, a communication interface 44 for controlling data communication with the IC card processing terminal 2 via the interface cable 3, a keyboard controller 45 for receiving a key signal of an input key from the keyboard 11, and the display unit. 12, a display controller 46 for controlling data display, a printer controller 47 for controlling a printing operation by the printer 13, a transmission controller 48 for controlling data transmission with a host computer of a financial institution such as a bank connected online, and the like. ing. Then, the CPU 41 and the ROM 42, RA
The M43, the communication interface 44, and the controllers 45 to 48 are connected to each other via a bus line 49 such as an address bus and a data bus to form a control circuit of the electronic cash transaction processing apparatus main body 1.

The IC card processing terminal 2 includes a keyboard 21, a display 22, and an IC card reader / writer 23. Further, a card sensor 24 for detecting whether or not the electronic wallet card C is attached to the IC card reader / writer 23 is provided. As shown in FIG. 2, a CPU 51 is mounted as a control unit main body that controls the overall operation of the IC card processing terminal including these input / output devices.

A ROM 52 storing a control program of the CPU 51, a RAM 53 forming a memory area for temporarily storing various data, and a data communication performed with the electronic cash transaction processing apparatus main body 1 via the interface cable 3. A communication interface 54 for controlling
A keyboard controller 55 for receiving a key signal of an input key from the keyboard 21, a display controller 56 for controlling data display on the display 22, and a card for controlling card data reading operation and card data writing operation of the IC card reader / writer 23 A reader / writer controller 57, an input port 58 for inputting a signal from the card sensor 24, and the like are mounted. And the CP
U51, ROM 52, RAM 53, communication interface 54, input port 58, and controllers 55-5
7 and bus lines 5 such as an address bus and a data bus.
9 to form a control circuit of the IC card processing terminal 2.

In the electronic cash transaction processing apparatus having such a configuration, the keyboard 11 of the electronic cash transaction processing apparatus main body 1 is provided with a numeric keypad for inputting the amount of money generated in the commercial transaction and the like, and in particular, starts processing of the electronic cash transaction. An execution key K1 to declare, a yen key K2 to declare that the currency unit of the price is Japanese yen, a 及 び key K3 to declare that the currency unit of the price is US dollar, and the like are provided. On the other hand,
The keyboard 21 of the IC card processing terminal 2 includes, in addition to the numeric keypad, in particular, a confirmation key K4 pressed when the owner of the electronic wallet card C confirms and approves the contents of the electronic cash transaction,
A cancel key K5 and the like which are pressed when confirming and canceling the contents of the electronic cash transaction are provided.

The RAM 4 of the electronic cash transaction processing apparatus 1
3, an electronic cash transaction sales memory 61 for storing and storing, in particular, information on the electronic wallet card C, ID information of the electronic wallet card owner, and information on the amount of money for the processed electronic cash transaction; A rate latest value memory 62 for updating and storing the latest value of the exchange rate (yen / 1 $) for US $ 1 $ of Japanese yen is formed.

Thus, the CP of the electronic cash transaction processing apparatus 1
U41 executes, for example, the processing shown in the flowchart of FIG. 4 in the settlement business performed after the store is closed on one day. First, in step ST (step 1), the transmission controller 48 is controlled to connect a line with a host computer of a financial institution that is connected online. When the line is connected, the information stored in the electronic cash transaction sales memory 61, that is, the electronic cash transaction sales data, is transmitted to the host computer as ST2.

Here, upon receiving the electronic cash transaction sales data from the electronic transaction processing device, the host computer responds to the latest value of the exchange rate (yen / 1 円) of the Japanese yen against US $ 1. The data is transmitted to the electronic transaction processing device of the data transmission source.

Then, when the CPU 41 receives the latest value of the exchange rate from the host computer in ST3, it rewrites and updates the data in the rate latest value memory 62 to the latest value received this time in ST4. After a while, S
Clear the electronic cash transaction sales memory 61 as T5,
This process ends.

The electronic wallet card C used in the present embodiment has, as shown in FIG. 5, card identification information for specifying the type and issuer of the card, a digital signature, and the like, as shown in FIG. Is stored in a fixed manner. In addition, a first electronic cash information area (first cash area) 71 for storing electronic cash information of Japanese yen, which is a first currency unit, and electronic cash information of US dollar, which is a second currency unit, are stored. A second electronic cash information area (second cash area) 72
An exchange rate area (rate area) 73 for storing an exchange rate of Japanese yen for US $ 1 is formed.
Then, the electronic cash information is converted into US dollars and withdrawn from the account of the card holder by an electronic cash replenishment device with an IC card reader / writer connected online to the host computer of the financial institution, and the second electronic wallet card C Each time the electronic cash information area 72 is replenished, the exchange rate of Japanese yen per US dollar per US dollar per dollar at that time is automatically written in the exchange rate area 73 of the card C. ing.

In the electronic cash transaction processing apparatus of the present embodiment using the electronic wallet card C having such a configuration, the CPU 51 of the IC card processing terminal 2 executes the processing shown in the flowchart of FIG. CPU of the processing device body 1
41 executes the processing shown in the flowchart of FIG.

First, the CPU of the IC card processing terminal 2
Reference numeral 51 denotes a state in which the electronic wallet card C is mounted on the IC card reader / writer 23 (FIG. 6-ST1). Here, if it is detected from the signal from the card sensor 24 that the electronic wallet card C has been attached to the IC card reader / writer 23 (YES in FIG. 6-ST1), the card data reading operation of the IC card reader / writer 23 is performed. , The card identification information, the owner ID information, the electronic cash information in Japanese yen, the electronic cash information in US dollars, and the exchange rate of the Japanese yen to US $ 1 from the memory of the IC built in the electronic wallet card C. The electronic wallet data consisting of x is read (FIG. 6-ST2). Then, the display 22 displays the two types of electronic cash information in the electronic wallet data and the exchange rate x at the time of refilling the electronic cash information in US dollars (FIG. 6-ST3). In this state, it waits for a command to read electronic wallet data from the electronic transaction processing device main body 1 (ST4 in FIG. 6).

On the other hand, the CP of the electronic cash transaction
When U41 detects that the execution key K1 of the keyboard 11 has been pressed, it starts the execution key processing shown in the flowchart of FIG. A read command for the electronic wallet data is transmitted (ST2 in FIG. 7).

Therefore, the CPU 51 of the IC card processing terminal 2
When the electronic wallet data read command is received from the electronic cash transaction processing apparatus main unit 1 connected via the communication interface 54 (YES in FIG. 6-ST4), the IC
The electronic wallet data (card identification information, owner ID information, electronic cash information in Japanese yen, electronic cash information in US dollars, and exchange rate x) of the electronic wallet card C read by the card reader / writer 23 is transmitted via the communication interface 54. This is transmitted to the electronic cash transaction processing device main body 1 (FIG. 6-ST5).
In this state, it waits for electronic cash transaction processing device main body 12 to send electronic cash payment notification data (FIG. 6-ST6).

CPU 41 of electronic cash transaction processing unit 1
When the electronic wallet data of the electronic wallet card C is received from the IC card processing terminal 2 within a predetermined time after transmitting the electronic wallet data read command to the IC card processing terminal 2 connected via the communication interface 44 ( FIG. 7-ST
(YES in 2), the electronic wallet data is stored in the work area of the RAM 43, and the electronic cash information of Japanese yen and US dollar is respectively read from the received electronic wallet data and displayed on the display 12 (FIG. 7-ST3). ). In this state, the system waits for the key input of the price generated in the commercial transaction and the currency unit of the price (FIG. 7-ST4).

Here, a ten-key and a circle key K2 are input by a key signal inputted through the keyboard controller 45.
(Or a dollar key K3) is detected (see FIG. 7-
(YES in ST4), the numerical value entered with the numeric keypad is used as a price, and the currency unit is recognized as a yen (or dollar) and stored in the work area (FIG. 7-ST5). Also, the latest rate value y set in the latest rate value memory 62
And the exchange rate x at the time of refilling the electronic cash information of US dollars from the received electronic wallet data. Then, the two kinds of exchange rates x and y are displayed on the display 12 (FIG. 7-ST6).

Next, the two types of exchange rates x and y are compared (ST7 in FIG. 7). As a result, the latest value of the exchange rate y is higher than the exchange rate x at the time of replenishing the electronic cash information of the US dollar.
Is smaller (NO in FIG. 7-ST7), the yen is depreciated at the time of commerce than at the time of replenishing electronic cash information in US dollars. Since it is advantageous for the cardholder, the payment request processing in US dollars specifically shown in FIG. 8 is executed (FIG. 7-ST).
8).

That is, the CPU 41 of the electronic cash transaction processing apparatus main unit 1 first determines whether the currency unit of the price A stored in the work area is US dollar or Japanese yen. The price A (yen) is converted into US dollars using the latest value of the exchange rate stored in the value memory 62. Next, a comparison is made between the US dollar price A ($) and the US dollar electronic cash information B ($) in the electronic wallet data stored in the work area. As a result, if the electronic cash information B (Ｂ) in US dollars is equal to or more than the price A (＄), the price can be paid only with the electronic cash information in US dollars.
A message of the payment notification information notifying that the payment A (＄) can be paid only with the electronic cash information of S dollars is transmitted to the connected IC card processing terminal 2 via the communication interface 44. Further, the display unit 12 displays the content of the payment notification information, "Price = A $ is collected by electronic cash."

On the other hand, US dollar electronic cash information B
If (＄) is less than the payment A (＄), there is a shortage in payment of the price only with US dollar electronic cash information.
The shortage C is calculated in US dollars. Next, it is determined whether or not the electronic cash information D (yen) of Japanese yen in the electronic wallet data stored in the work area is zero. And in the case of 0,
Of the price A (＄), up to B (＄) can be paid by electronic cash information in US dollars, but the IC card processing terminal sends a message of payment notification information notifying that shortage C (＄) will occur. Send to 2. In addition, the content of this payment notice information "B ＄ out of the price = A ＄ will be collected by electronic cash.
Please pay the shortage C $ in cash "on the display unit 12.

On the other hand, if the electronic cash information D (yen) of Japanese yen in the electronic wallet data is larger than 0, whether or not the shortage C ($) can be paid with the electronic cash information of Japanese yen In order to check whether or not this is the case, the shortfall C (＄) is converted into Japanese yen using the latest value of the exchange rate stored in the rate latest value memory 62. Then, the shortage C (yen) converted into Japanese yen is compared with the electronic cash information D (yen) of Japanese yen in the electronic wallet data. As a result, if the electronic cash information D (yen) in Japanese yen is equal to or greater than the shortage C (yen), the shortage C (yen) can be paid using the electronic cash information in Japanese yen. )), The above-mentioned IC card processes the message of the payment notification information notifying that B (Ｂ) can be paid with the electronic cash information of US dollars and the remaining C (yen) can be paid with the electronic cash information of Japanese yen. Transmit to terminal 2. Also,
The content of this payment notification information "Price = A ＄ is part of B ＄
Is collected in electronic cash in US dollars, and the remaining C yen is collected in electronic cash in Japanese yen "on the display unit 12.

On the other hand, electronic cash information D of Japanese yen
If (yen) is less than the shortfall C (yen), there is a shortage in payment of the price even if the electronic cash information in Japanese dollars is combined with the electronic cash information in US dollar. Is calculated once, and converted into US dollars using the latest value of the exchange rate stored in the rate latest value memory 62. Then, out of the price A (＄), up to B (＄) can be paid with electronic cash information in US dollars, and out of the remaining C (yen), up to D (yen) can be paid with electronic cash information in Japanese yen, Shortage E
A message of the payment notification information notifying that (＄) occurs is transmitted to the IC card processing terminal 2. In addition, the contents of the payment notification information "A portion of the price = A $ will be collected in US dollars in electronic cash, and the remaining C yen will be collected in D yen in Japanese yen in electronic cash. Please pay E $ in cash "on the display unit 12. Above, U
The payment request processing by S dollars ends.

On the other hand, when the latest value y of the exchange rate is not different from or higher than the exchange rate x at the time of replenishment of the electronic cash information of US dollar (YES in FIG. 7-ST7), the time when the electronic cash information of US dollar is refilled is The monetary value has not changed since the commencement of the transaction or the yen has advanced, and if the yen has advanced, it is more advantageous for the owner of the electronic wallet card to make payments in Japanese yen. (FIG. 7-ST9).

That is, the CPU 41 of the electronic cash transaction processing apparatus main unit 1 first determines whether the currency unit of the price A stored in the work area is US dollar or Japanese yen.
In the case of dollars, the price A (＄) is converted into Japanese yen using the latest value of the exchange rate stored in the rate latest value memory 62. Next, the price A (yen) of the Japanese yen and the electronic cash information D of the Japanese yen in the electronic wallet data stored in the work area.
(Yen). As a result, if the electronic cash information D (yen) in Japanese yen is equal to or more than the price A (yen), the payment can be made only with the electronic cash information in Japanese yen. The message of payment notification information notifying that the user can pay
4 to the IC card processing terminal 2 connected thereto. In addition, the display unit 12 displays the content of the payment notification information, “Price = A yen will be collected by electronic cash”.

On the other hand, electronic cash information D of Japanese yen
If (yen) is less than the price A (yen), there is a shortage in payment of the price only with the electronic cash information in Japanese yen, and the shortage C is calculated in Japanese yen. Next, the electronic cash information B of US dollars in the electronic wallet data stored in the work area
It is determined whether (＄) is 0 or not. In the case of 0, although payment A (＄) up to D (yen) can be paid with electronic cash information in Japanese yen, a payment notification information notifying that shortage C (yen) will occur is transmitted. The sentence is sent to the IC card processing terminal 2. In addition, the display unit 12 displays the content of the payment notification information, "Price = A yen, D yen will be collected by electronic cash. Please pay shortage C yen in cash".

On the other hand, when the electronic cash information B ($) in US dollars in the electronic wallet data is larger than 0,
In order to check whether the shortage C (yen) can be paid using the electronic cash information in US dollars, the shortage C
(Yen) is converted into US dollars using the latest value of the exchange rate stored in the rate latest value memory 62. Next, the shortage amount C (＄) converted into the US dollar is compared with the electronic cash information B (＄) of the US dollar in the electronic wallet data. As a result, U
If the electronic cash information B (＄) of S dollars is equal to or more than the shortage amount C (＄), the shortage amount C (で) is obtained using the electronic cash information of US dollars.
Can be paid, so D out of A (yen)
(Yen) is paid in Japanese Yen electronic cash information and the remaining C
A message of payment notification information notifying that (で き る) can be paid in US dollars of electronic cash information is transmitted to the IC card processing terminal 2. In addition, the display unit 12 displays the content of the payment notification information such that "the price = A yen, a part of D yen is collected by electronic cash in Japanese yen, and the remaining C ＄ is collected by electronic cash in US dollar". .

On the other hand, US dollar electronic cash information B
If (＄) is less than the shortfall C (＄), there is a shortage in payment of the price even if the electronic cash information in US dollars is added to the electronic cash information in Japanese yen. Is calculated once, and then converted to Japanese yen with the latest value of the exchange rate stored in the rate latest value memory 62. Then, out of the price A (yen), up to D (yen) can be paid by electronic cash information in Japanese yen, and the remaining C (＄) can be paid up to B (＄) by electronic cash information in US dollars. Shortage E
A message of payment notification information notifying that (yen) occurs is transmitted to the IC card processing terminal 2. In addition, the contents of the payment notification information are as follows: "Price = A yen, D yen is partially collected by electronic cash in Japanese yen, and B $ of the remaining C $ is US
Collected by electronic cash in dollars. Please pay the shortfall E yen in cash "on the display unit 12. Above,
The payment processing in Japanese yen is completed.

When the CPU 41 of the electronic cash transaction processing device main body 1 completes the payment request processing in US dollars or Japanese yen, it waits for a response from the IC card processing terminal 2 (ST10 in FIG. 7). On the other hand, when the CPU 51 of the IC card processing terminal 2 receives the message of the payment notification information from the electronic cash transaction processing apparatus main body 1 via the communication interface 54 (YES in FIG. 6-ST6), the electronic cash transaction processing apparatus main body Similar to 1, the contents of the payment notification information are displayed on the display 22 (FIG. 6-ST7).

In this state, input of the confirmation key K4 or the cancel key K5 is awaited. Then, a confirmation key K4 is input by a key signal input through the keyboard controller 55.
Is detected (YES in FIG. 6-ST8),
Since the owner of the electronic wallet card approves the payment displayed on the display 22, the acknowledgment message is transmitted to the electronic cash transaction processing apparatus main body 1 connected via the communication interface 54 (FIG. 6-ST9). .

Thereafter, when the payment notice information received from the electronic cash transaction processing apparatus main body 1 includes the payment amount based on the electronic cash information in Japanese yen (ST1 in FIG. 6).
0, YES), the first electronic cash information area 7 of the electronic wallet card C attached to the IC card reader / writer 23
From 1, the amount of payment in the electronic cash information of Japanese yen is subtracted (ST11 in FIG. 6). In addition, when the payment amount based on the electronic cash information of US dollar is included (FIG. 6-S
In T12, YES, the payment amount of the electronic cash information of US dollar is subtracted from the second electronic cash information area 72 of the electronic wallet card C (ST13 in FIG. 6). afterwards,
If the electronic wallet card C has been ejected from the IC card reader / writer 23 (ST14 in FIG. 6), the current processing ends.

When the key signal input via the keyboard controller 55 is not the confirmation key K4 (NO in ST8 in FIG. 6), but is the one in the cancel key K5 (ST15 in FIG. 6). YES), the owner of the electronic wallet card has canceled the payment displayed on the display unit 22 without accepting it, and transmits a cancellation response message to the electronic cash transaction processing apparatus main body 1 (ST16 in FIG. 6). After that, IC
When the electronic wallet card C is ejected from the card reader / writer 23 (ST14 in FIG. 6), the current processing is terminated.

On the other hand, the CP of the electronic cash transaction
When the U41 receives the acknowledgment message from the IC card processing terminal 2 connected via the communication interface 44 after completing the payment request processing in US dollar or Japanese yen (YES in FIG. 7-ST10), Card identification information and owner ID in electronic wallet data stored in work memory
Code, payment amount by electronic cash information in Japanese Yen, and U
The payment amount based on the electronic cash information of S dollars is registered in the electronic cash transaction sales memory 61 (FIG. 7-ST11). Further, if the drive of the printer 13 is controlled to print and issue a sales slip based on the current electronic cash transaction (FIG. 7-ST).
12), end the current process.

After the payment request processing in US dollars or Japanese yen is completed, when a cancellation response message is received from the IC card processing terminal 2 (N in FIG. 7-ST10).
O), the transaction suspension process is executed, and the sales registration process in the electronic cash transaction sales memory 61 and the printing process of the sales slip by the electronic cash transaction are not performed.

As described above, in the present embodiment, the electronic wallet card C capable of storing the electronic cash information in two kinds of currency units of Japanese yen and US dollar is used. Then, this electronic wallet card C is provided with U
Each time the S-dollar electronic cash information is withdrawn and replenished, the exchange rate of Japanese yen to US $ 1 at that time is also stored.

On the other hand, a rate for storing the latest value of the exchange rate is stored in the electronic cash transaction processing apparatus main body 1 to which the IC card processing terminal 2 having the data reading and writing functions of the electronic wallet card C is connected. Latest value memory 62
Is provided. Each time the contents of the electronic cash transaction sales memory 61 are transmitted to the host computer of the financial institution during the settlement operation performed after each store closing, the exchange rate of the Japanese yen to US $ 1 at that time is updated. It is stored in the value memory 62.

When an electronic cash transaction occurs, the electronic cash transaction processing apparatus main body 1 having the above-described configuration allows the electronic cash information of Japanese yen and US dollar stored electronically from the IC card processing terminal 2 to the electronic wallet card C. Read the exchange rate with. Then, the exchange rate and the latest value memory 62 in the electronic wallet data read from the electronic wallet card C.
Is compared with the latest value of the exchange rate stored in. As a result, when the latest price is lower, the price generated in the commercial transaction is converted into Japanese yen if the price generated in the transaction is US dollar, and converted into Japanese yen from the electronic cash information of Japanese yen stored in the electronic wallet card C. Control the payment of money by withdrawing the paid money. On the other hand, when the latest value is higher,
If the payment is in Japanese yen, it is converted into US dollars, and the U
By withdrawing the price converted to S dollars, payment of the price is controlled.

Therefore, according to the present embodiment, by using the electronic wallet card C storing two kinds of electronic cash information of Japanese yen and US dollar, respectively, the electronic cash transaction processing device body 1 and the IC card processing terminal are used. The electronic cash transaction processing device consisting of 2 electronic cash transactions in which payment for commercial transactions is performed using electronic cash information in Japanese yen and electronic cash transactions in which payment for commercial transactions is performed using electronic cash information in US dollars. Be able to process.

Further, the exchange rate when the electronic cash information of US dollar is withdrawn from the account of the financial institution and refilled into the electronic wallet card C is compared with the exchange rate when a commercial transaction occurs, and the latter is compared with the former. When the rate is low, that is, when the yen is strong, the payment of the commercial transaction is automatically processed with the electronic cash information of the Japanese yen. Because cash information processes payments for commercial transactions,
Payments are to be processed in a way that is advantageous to e-wallet card holders. Therefore, the convenience of the electronic wallet card C can be strongly appealed to the electronic wallet card owner, and sales promotion can be expected.

In the present embodiment, when the yen is high, when the electronic cash information of the Japanese yen stored in the electronic wallet card C is insufficient for the price generated in the commercial transaction, the electronic wallet card C Withdraw the entire amount of electronic cash information in Japanese yen and pay the shortfall in electronic cash information in US dollars. When the yen is weak, the electronic cash in US dollars stored in the electronic wallet card C against the price generated in commercial transactions When the information is insufficient, the electronic wallet card C to US
The entire amount of the electronic cash information of the dollar is subtracted, and the shortfall is paid with the electronic cash information of Japanese yen.

Therefore, even if there is a shortage of electronic cash information in a currency unit which is advantageous to the owner of the electronic wallet card, the payment is processed in the most advantageous manner. There is no loss of service to the cardholder.

In the above-described embodiment, a case has been shown in which the electronic currency transaction processing apparatus main body 1 automatically determines a currency unit advantageous to the electronic wallet card holder. Or the operator of the electronic cash transaction processing apparatus body 1 may make the determination.

That is, as shown in the execution key processing of FIG. 10, the CPU 41 of the electronic cash transaction processing apparatus main body 1 executes the same processing as ST1 to ST6 of FIG. And the latest value y of the rate
When the exchange rate x in the electronic wallet data read from the D card processing terminal 2 is displayed on the display 12, the key input is awaited (ST13). Then, when it is detected that the ＄ key K3 of the keyboard 11 has been pressed, the US
Since the payment by the electronic cash information of the dollar is selected, the payment request processing by the US dollar specifically shown in FIG. 8 is executed. On the other hand, the circle key K on the keyboard 11
When it is detected that the button 2 is pressed, the payment using the electronic cash information of Japanese yen is selected, and the payment request processing specifically shown in FIG. 9 is executed.
With this configuration, the owner of the electronic wallet card or the operator of the electronic cash transaction processing device body 1 can
By checking the exchange rate at the time of replenishment of US dollars and the exchange rate at the time of commercial transaction, it is possible to decide whether to process payment by electronic cash information of Japanese yen or to process payment by electronic cash information of US dollar become.

In the above-described embodiment, the present invention is applied to
Although the description has been made on the assumption that electronic cash information is handled in different kinds of currency units, the present invention is also applicable to the case of handling electronic cash information in three or more kinds of currency units. For example, when dealing with three types of electronic cash information in a currency unit, the electronic wallet card stores the exchange rate of the first currency unit with respect to the second currency unit together with the cash information in the first to third currency units. Exchange rates for one currency unit to a third currency unit are each electronically stored. In addition, the latest value of each exchange rate is set in the electronic cash transaction processing device body 1. Then, when the electronic cash transaction occurs, each exchange rate read from the electronic wallet card is compared with the latest value of the exchange rate to determine one of the most advantageous currency units for the electronic wallet card owner, and that currency is determined. The payment processing may be controlled by subtracting the price generated in the commercial transaction from the electronic cash information of the unit.

[0060]

As described in detail above, according to the first aspect of the present invention, one electronic cash transaction processing apparatus can handle a plurality of types of electronic cash information having different currency units. We can provide a method. According to the inventions of claims 2 and 3 of the present application, in addition to the effects of the invention of claim 1, it is possible to provide an effect that the payment of the commercial transaction can be processed in a manner most advantageous for the owner of the electronic wallet card. An electronic cash transaction processing method can be provided. According to the invention described in claim 4 of the present application, it is possible to provide an electronic cash transaction processing device capable of handling a plurality of types of electronic cash information having different currency units. According to the invention of claims 5 and 6 of the present application, in addition to the effect of the invention of claim 4,
It is possible to provide an electronic cash transaction processing device which can provide an effect of processing payment for a commercial transaction in a manner most advantageous for an electronic wallet card owner. Further, according to the invention described in claim 7 of the present application, it is possible to provide an electronic wallet card suitable for use in an electronic cash transaction processing device capable of handling a plurality of types of electronic cash information having different currency units.

[Brief description of the drawings]

FIG. 1 is a perspective view showing an external configuration of an electronic cash transaction processing apparatus according to an embodiment of the present invention.

FIG. 2 is a block diagram showing an internal configuration of the electronic cash transaction processing device.

FIG. 3 is a diagram showing a main memory area formed in a RAM of an electronic cash transaction processing apparatus constituting the electronic cash transaction processing apparatus.

FIG. 4 is a flowchart showing a main part of a settlement process executed by a CPU of the electronic cash transaction processing device constituting the electronic cash transaction processing device.

FIG. 5 is a diagram showing a memory configuration of an electronic wallet card according to an embodiment of the present invention.

FIG. 6 is a flowchart showing a main part of a main process executed by a CPU of an IC card processing terminal included in the electronic cash transaction processing apparatus according to one embodiment of the present invention.

FIG. 7 is a flowchart showing a main part of an execution key process executed by a CPU of the electronic cash transaction processing apparatus main body constituting the electronic cash transaction processing apparatus.

FIG. 8 is a flowchart specifically showing a payment request process in US dollars in FIG. 7;

FIG. 9 is a flowchart specifically showing a payment request process in Japanese yen in FIG. 7;

FIG. 10 is a flowchart showing an execution key process executed by a CPU of the electronic cash transaction processing apparatus main body according to another embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Electronic cash transaction processing apparatus main body 2 ... IC card processing terminal 11, 21 ... Keyboard 12, 22 ... Display 23 ... IC card reader / writer 62 ... Rate latest value memory 71 ... 1st electronic cash information area 72 ... 2nd Electronic cash information area 73 ... Exchange rate area K2 ... Yen key K3 ... @ key

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification code FI Theme coat ゛ (Reference) G07F 7/12 G06F 15/30 350 5B055 G07G 1/12 321 G07D 9/00 476 5B058 G07F 7/08 BF Term (reference) 3E040 AA03 EA10 3E042 BA08 BA09 CC02 3E044 AA20 BA04 5B019 HG22 JA10 5B049 CC39 EE21 GG01 GG04 5B055 BB10 KK05 KK16 5B058 KA06 KA08 YA02

Claims (7)

[Claims] 1. A method for processing an electronic cash transaction in which a payment generated in a commercial transaction is processed by using cash information electronically stored in an electronic wallet card, wherein the electronic wallet card has a cash in a first currency unit. The electronic wallet card electronically storing information and cash information of a second currency unit different from the first currency unit and an exchange rate of the first currency unit for the second currency unit; An electronic cash transaction processing device having a data reading and writing function of
Setting the latest value of the exchange rate for the currency unit of, the electronic cash transaction processing device, when an electronic cash transaction occurs, the cash information of each currency unit and the exchange rate electronically stored from the electronic wallet card Reading, displaying the exchange rate in the data read from the electronic wallet card and the latest value of the exchange rate, and allowing selection of one of the currency units, and in the case where the first currency unit is selected, After converting the price generated in the commercial transaction into the amount of the first currency unit with the latest value of the exchange rate, the converted amount is subtracted from the cash information of the first currency unit stored in the electronic wallet card. Control payment by leaving, if the second currency unit is selected, convert the same amount to the amount of the second currency unit with the latest value of the exchange rate,
An electronic cash transaction processing method, wherein payment is controlled by subtracting the converted amount from cash information in a second currency unit stored in the electronic wallet card. 2. A method of processing an electronic cash transaction in which a payment generated in a commercial transaction is processed with cash information electronically stored in an electronic wallet card, wherein the electronic wallet card includes a cash in a first currency unit. The electronic wallet card electronically storing information and cash information of a second currency unit different from the first currency unit and an exchange rate of the first currency unit for the second currency unit; An electronic cash transaction processing device having a data reading and writing function of
Setting the latest value of the exchange rate for the currency unit of, the electronic cash transaction processing device, when an electronic cash transaction occurs, the cash information of each currency unit and the exchange rate electronically stored from the electronic wallet card The exchange rate in the data read from the electronic wallet card is compared with the latest value of the exchange rate, and when the latest value is lower, the price generated in the commercial transaction is compared with the latest value of the exchange rate. After converting the amount into one currency unit, the payment is controlled by subtracting the converted amount from the cash information in the first currency unit stored in the electronic wallet card. When the price is high, the price is converted to the amount of the second currency unit with the latest value of the exchange rate, and the converted amount is stored in the second wallet card stored in the electronic wallet card.
An electronic cash transaction processing method wherein payment is controlled by subtracting from cash information in a currency unit. 3. The electronic cash transaction processing method according to claim 2, wherein the step of controlling payment comprises: comparing an exchange rate in the data read from the electronic wallet card with the latest value of the exchange rate; Is lower and the cash information of the first currency unit stored in the electronic wallet card is insufficient for the price generated in the commercial transaction, After withdrawing the entire cash information and converting the shortfall into the second currency unit amount using the latest value of the exchange rate, payment is made by subtracting the converted amount from the cash information in the second currency unit. When the latest value is higher in the rate and the cash information of the second currency unit stored in the electronic wallet card is insufficient for the price generated in the commercial transaction, After subtracting the entire cash information in the second currency unit and converting the shortfall to the first currency unit amount with the latest value of the exchange rate, the converted amount is converted to the cash amount in the first currency unit. An electronic cash transaction processing method, wherein payment is controlled by subtracting from information. 4. The cash information in a first currency unit, the cash information in a second currency unit different from the first currency unit, and the exchange rate of the first currency unit for the second currency unit. An electronic cash transaction processing device that processes payment of a price generated in a commercial transaction by using an electronic wallet card that electronically stores a first currency unit and a latest exchange rate of the first currency unit with respect to a second currency unit. A rate latest value memory for storing, a medium data reading unit for reading data electronically stored in the electronic wallet card, and a currency exchange in the data when the medium data reading unit reads data from the electronic wallet card. Rate display means for displaying a rate and the latest value of the exchange rate stored in the rate latest value memory; and displaying one of the first currency unit and the second currency unit. When the first currency unit is selected by the currency unit selecting means after the display of the exchange rate by the rate display means, the price generated in the commercial transaction is changed to the first value of the exchange rate by the latest value of the exchange rate. A first payment control means for controlling payment by converting the converted money amount into the first currency unit cash information stored in the electronic wallet card after converting the converted money amount into the money amount; When the second currency unit is selected by the currency unit selecting means after the exchange rate is displayed by the rate display means, the price generated in the commercial transaction is converted into the amount of the second currency unit with the latest value of the exchange rate. And second payment control means for controlling payment by subtracting the converted amount from the cash information in the second currency unit stored in the electronic wallet card. Electronic cash transaction processing apparatus according to. 5. The cash information of a first currency unit, the cash information of a second currency unit different in type from the first currency unit, and the exchange rate of the first currency unit for the second currency unit. An electronic cash transaction processing device that processes payment of a price generated in a commercial transaction by using an electronic wallet card that electronically stores a first currency unit and a latest exchange rate of the first currency unit with respect to a second currency unit. A rate latest value memory for storing, a medium data reading unit for reading data electronically stored in the electronic wallet card, and a currency exchange in the data when the medium data reading unit reads data from the electronic wallet card. Rate comparing means for comparing the rate with the latest value of the exchange rate stored in the rate latest value memory, and as a result of comparison by the rate comparing means, the latest value is lower. , After converting the money generated in the commerce on the amount of the first currency unit with the latest value of the exchange rate, the first stored the amount of after the conversion to the electronic wallet card
First payment control means for controlling payment by subtracting from the cash information of the currency unit, and when the latest value is higher as a result of the comparison by the rate comparison means, the money generated in the commercial transaction is exchanged with the exchange rate. After converting to the second currency unit amount with the latest value of the rate, the converted amount is stored in the second wallet card stored in the electronic wallet card.
And a second payment control means for controlling the payment by subtracting from the cash information of the currency unit. 6. The electronic cash transaction processing device according to claim 5, wherein the first payment control means is configured to provide the cash information in the first currency unit stored in the electronic wallet card to a price generated in the commercial transaction. When there is a shortage, the entire cash information of the first currency unit is subtracted, and the shortfall is converted to the amount of the second currency unit with the latest value of the exchange rate. Means for controlling payment by withdrawing from the cash information in the second currency unit, the second payment control means, the cash information in the second currency unit recorded on the electronic wallet card is When there is a shortfall in the price generated in the commercial transaction, after subtracting the entire cash information of the second currency unit and converting the shortfall to the amount of the first currency unit with the latest value of the exchange rate, Before the converted amount Electronic cash transaction apparatus being characterized in that comprises means for controlling the payment by subtracting from cash information of the first currency. 7. A first cash area for electronically storing cash information in a first currency unit, and electronically storing cash information in a second currency unit different from the first currency unit. And a rate area for electronically storing an exchange rate of the first currency unit with respect to a second currency unit when the cash information is added and stored in the second cash area. An electronic wallet card, characterized in that: