JP2000132745A - Information processor, card-shaped storage medium, electronic currency settlement system and storage medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic currency settlement system capable of improving the reliability and security of settlement by means of electronic currency. SOLUTION: A 1st device (personal reader/writer) 130 writes charge information inputted by an input means 134 in a 1st card-shaped storage medium (IC card for payment) 110 having at least a payment function according to electronic currency by a 1st write means (CPU) 131. The 1st card-shaped storage medium (IC card for payment) 110 has a control function (CPU) 111 which does not receive charges except a charge corresponding to charge information written by the 1st device (personal reader/writer) 130 to a charge from a 2nd device (card reader/writer) 120.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technology for exchanging electronic currency by, for example, communicating with an IC card.

[0002]

2. Description of the Related Art Heretofore, there is a currency called "electronic currency" or "network money" (hereinafter, referred to as "electronic currency") which is valid only on a network. This e-currency offers complete privacy and can be used in communications as if it were real cash (remittance, settlement, payment, etc.)
It is configured so as to be able to perform identity verification. For example, in the case of payment using an electronic currency by an IC card, the payer (purchaser) inserts the payment IC card into the card reader / writer of the cash register when making payment at the cash register, and sends the payment to the card reader / writer. Make a payment while checking the displayed billing content.

[0003]

However, instead of performing the payment at the cash register as described above, the payer hands the IC card directly to the claimant (seller), and the claimant performs the payment and settlement processing. There is a form of payment that entrusts the discretion. For example, in a restaurant such as a restaurant, a payer of food and drink pays an IC card to a waiter (claimer) while arriving at a table. In the case of such a payment form, the payer cannot confirm whether or not the payment has been properly made as invoiced, and therefore, there is a high risk that an incorrect payment will be made.

[0004] Specifically, first, in the case of payment using bills and effects, the payer can confirm that the payment has been properly made according to the bill by confirming the change. However, in the case of payment using electronic currency by an IC card, it is not possible to properly confirm whether or not the payment has been properly made as long as the IC card is not inquired about the balance or the like by a personal reader / writer. For this reason, there is a risk that an improper payment is made erroneously or intentionally. This problem,
Especially great for payers. In order to prevent such unauthorized payment, it is conceivable that the payer checks the difference between the balance before payment and the balance after payment with a personal reader / writer, but it is extremely difficult to perform such work every time payment is made. It is troublesome. Alternatively, the above-mentioned confirmation may be performed based on the payment history or the like stored in the IC card. However, it is easy to deceive the amount of the charge by a simple method such as making a fictitious request in several times. Because
There is a high risk that e-currencies will be unnecessarily dressed unwittingly by payers.

The present invention has been made in order to eliminate the above-mentioned drawbacks, and has been made an information processing apparatus, a card-shaped storage medium, and an electronic device capable of improving the reliability and security of settlement by electronic currency. It is an object of the present invention to provide a currency settlement system and a storage medium in which computer-readable processing steps for executing the system are stored.

[0006]

For such a purpose,
A first invention is an information processing apparatus capable of accessing a first card-shaped storage medium having at least a function of paying in electronic currency, and inputting billing information for the first card-shaped storage medium. Means, and writing means for writing the billing information input by the input means into the first card-shaped storage medium.

[0007] A second invention is the first invention, wherein
The writing means writes the charge information with lock information for prohibiting the reception of a request other than the request corresponding to the information.

[0008] In a third aspect based on the first aspect,
The input means acquires the information from a second card-shaped storage medium storing the billing information and inputs the information.

A fourth aspect of the present invention is a card-shaped storage medium having at least a payment function using an electronic currency, wherein a storage means for storing billing information, and a claim other than a bill corresponding to the billing information stored in the storage means. And control means for performing control for not accepting the request.

According to a fifth aspect of the present invention, there is provided a first card-shaped storage medium having at least a function of payment by electronic currency,
An electronic currency settlement system comprising: a first device capable of accessing a card-shaped storage medium; and a second device that issues a request for the first card-shaped storage medium.
The first device includes input means for inputting billing information for the card-shaped storage medium, and first writing means for writing the billing information input by the input means to the first card-shaped storage medium. And characterized in that:

According to a sixth aspect of the present invention, in the fifth aspect,
The first card-shaped storage medium has a control function of not accepting a request other than a request corresponding to the request information written by the first device in response to a request from the second device. And

According to a seventh aspect, in the fifth aspect,
The apparatus further includes a second card-shaped storage medium in which the billing information is stored, wherein the first device acquires and inputs the billing information stored in the second card-shaped storage medium. .

According to an eighth aspect based on the fifth aspect,
The second device includes a second writing unit that writes the billing information transferred from the outside to the second card-shaped storage medium.

According to a ninth aspect, in the eighth aspect,
The second device further includes a storage unit that stores invariant information included in the billing information, and the writing unit acquires the invariant information included in the billing information from the storage unit, and 2 is written on a card-shaped storage medium.

[0015] A tenth invention is a storage medium in which processing steps for exchanging electronic currencies are stored in a computer readable manner by transmitting and receiving signals to and from a card-shaped storage medium having at least a payment function using electronic currencies. ,
The processing step includes: an input step of inputting billing information for the card-shaped storage medium; a writing step of writing the billing information input in the input step to the card-shaped storage medium; A claim issuance step of issuing a claim to the card, a comparison step of comparing the claim information written in the card-shaped storage medium in the writing step with the information of the claim issued in the claim issuance step, A control step of controlling a payment function using the card-shaped storage medium based on a result of the comparison in the comparison step.

In an eleventh aspect based on the tenth aspect, the control step executes the payment function using the card-shaped storage medium only when respective billing information matches according to the comparison result of the comparison step. It is characterized by including a step of enabling.

[0017]

Embodiments of the present invention will be described below with reference to the drawings.

(First Embodiment) The present invention provides, for example,
It is applied to an electronic currency settlement system 100 as shown in FIG. As shown in FIG. 1, the electronic currency settlement system 100 includes an IC card 110 as a card-shaped storage medium.
, A card reader / writer 120 and a personal reader / writer 130. The IC card 110 is a card used when the payer pays in electronic currency, and includes a contact point (IC card contact point) 114 with the card reader / writer 120 and the personal reader / writer 130 and an IC card contact point.
A CPU 111 connected to the card contact 114;
It has a memory 112 and an electronic currency memory 113 connected to the memory 111. The card reader / writer 120 is
It is a writer for the settlement of accounts set up on the claimant side (such as cash register),
Contact with IC card 110 (contact for IC card) 124
And a CPU 121 connected to an IC card contact 124
And a memory 122 and an electronic currency memory 123 connected to the CPU 121. The personal reader / writer 130 is carried by the payer together with the IC card 110, and includes a contact point 135 (IC card contact point) with the IC card 110, a CPU 131 connected to the IC card contact point 135, and a CPU 131. It has a memory 132 connected thereto, a display unit 133 made of liquid crystal or the like, and an input unit 134 provided with numeric keys and the like.

Electronic currency settlement system 100 as described above
Operates as follows, for example, when a processing program according to the flowchart shown in FIG. 2 is executed by the CPU in each component.

Step S201: For example, if the payer is IC
When a certain amount of money is paid using the electronic currency by the card 110, the person who made the payment uses the input unit 134 in the personal reader / writer 130 of the payer.
The user inputs billing information such as a billing amount using a numeric keypad or the like. In the personal reader / writer 130, the CPU 131 recognizes the input information (billing information) on the input unit 134, saves the input information on the memory 132, and causes the display unit 133 to display a screen.

Step S202: The payer checks the billing information displayed on the display unit 133 of the personal reader / writer 130, and if the contents are correct, the IC card 1
10 is inserted into the personal reader / writer 130. The billing information here is hereinafter referred to as “payer confirmed billing information”.

Step S203: In step S202, the IC card contact 135 of the personal reader / writer 130 and the IC card contact 114 of the IC card 110 are connected. Personal reader / writer 13
0, the CPU 131 transfers the information (including the payable balance information) stored in the electronic currency memory 113 of the IC card 110 to the IC card contacts 135 and I
The information is read through the C card contact 114, and the balance payable by the IC card 110 is referred from the read information. Further, the CPU 131 determines in step S201 that the memory 13
2. Read the billing information (payer confirmed billing information including billing amount information) stored in 2. Then, the CPU 131
The balance that can be paid by the IC card 110 is compared with the amount charged in the payer-verified billing information. As a result of the above comparison, I
When the balance that can be paid by the C card 110 is smaller than the billed amount, the CPU 131 performs processing such as displaying warning information on the display unit 133 for notifying the user. After that, the process ends. On the other hand, if the balance payable by the IC card 110 is larger than the billed amount (if the balance is sufficient), the processing from the next step S204 is executed.

Step S204: In the personal reader / writer 130, the CPU 131 adds an identifier for locking the payment to the payer-confirmed billing information stored in the memory 132, and the payer-confirmed billing is added. The information is used as payment lock information, and the IC card contact 13 is used.
5 and the IC card 110 via the IC card contact 114
Transfer to In the IC card 110, the CPU 11
1 saves the payment lock information transferred from the personal reader / writer 130 in the memory 112. After the payment lock information is stored in the IC card 110 in this way, the payer passes the IC card 110 to the claimant.

Step S205: The claimant inserts the IC card 110 passed from the payer into the card reader / writer 120 for settlement.

Step S206: The contact 12 for the IC card of the card reader / writer 120 is
4 and the IC card contact 114 of the IC card 110 are connected. In the card reader / writer 120, the CPU 121 sends billing information such as billing amount (hereinafter referred to as “request billing information”) input in advance by the claimant and stored in the memory 122 to the IC card contact 1
24 and the IC card 11 via the IC card contact 114
By making a transfer to “0”, a payment request for the IC card 110 is made.

Step S207: I received the payment request from the card reader / writer 120 in step S206
In the C card 110, the CPU 111
12, it is determined whether or not the payment lock information generated in step S204 is stored in the memory 112. Here, since the payment lock information is stored in the memory 112 (locked state), the payment lock information is read by the CPU 111. Then, the CPU 111 recognizes the identifier for locking the payment from the payment lock information read in step S207, and determines whether or not the IC card 110 is locked for a content other than specific billing contents. As a result of this determination, if the state is locked, the process proceeds to the next step S208; otherwise (if a specific payment without locking is made), the next step S208 is performed.
The process skips from step S209 and proceeds to step S209 described below.

Step S208: The CPU 111 extracts billing information (locked payer confirmed billing information) from the payment lock information read out in step S207, and receives the billing amount included in the information and the billing amount included in the information in step S206. It compares the billing amount included in the payment request (request billing information) with the billing amount, and confirms whether or not the amounts completely match. As a result of this check, if the amount of the payer-confirmed billing information and the amount of the demanded billing information completely match, the process proceeds to the next step S209. Otherwise, the process ends, and no payment is made.

Step S209: As a result of the confirmation in step S208, when the amount of the payer-confirmed billing information completely matches the amount of the requested billing information, or in step S20.
As a result of the determination in step 7, when a specific payment without locking is made, the CPU 111 reads the electronic currency corresponding to the billed amount from the electronic currency memory 113, and reads it out from the IC card contact 124 and the IC card contact 114. Is transferred to the card reader / writer 120 via. In the card reader / writer 120, the CPU 121 stores electronic currency information from the IC card 110 into an electronic currency memory 123.
Save to

Step S210: After the payment is made as described above, the CPU in the IC card 110
Reference numeral 111 erases the information (the locked billing information or the unlocked specific billing information) which has been paid in the memory 112. This prevents future payments from being locked. After that, the process ends.

As described above, in this embodiment, the personal reader / writer 130 allows the payer's IC card 1
In 10, the billing information including the billing amount confirmed by the payer (payer confirmed billing information) is locked and saved. Then, when payment is made by the IC card 110 in the card reader / writer 120 for settlement on the claimant side,
In the card 110, the payer-confirmed billing information and the requested billing information are compared, and if the information does not completely match, no payment is made. With such a configuration, it is possible to reliably prevent improper payment from being made.

(Second Embodiment) The present invention provides, for example,
It is applied to an electronic currency settlement system 300 as shown in FIG. The electronic currency settlement system 300 has the same configuration as the electronic currency settlement system 100 of FIG. 1 described above, but in addition to the system configuration, a billing IC card (billing I card) is used.
C card) 330. Billing IC card 33
0 is a card used by the claimant when payment is made in the payer's electronic currency.
And a contact (IC card contact) 343 with the personal reader / writer 130, a CPU 341 connected to the IC card contact 343, and a memory 34 connected to the CPU 341.
2 is provided. Also, the input unit 134 of FIG. 1 is not provided in the personal reader / writer 130 of the payer, and instead, the input unit 1 is provided in the card reader / writer 120 of the claimant.
An input unit 310 similar to the input unit 34 is provided.

Electronic currency settlement system 300 as described above
Operates as follows, for example, when a processing program according to the flowchart shown in FIG. 4 is executed by the CPU in each component. In the electronic currency settlement system 300 shown in FIG. 3, the same reference numerals are given to portions that operate in the same manner as the electronic currency settlement system 100 shown in FIG. 1, and the detailed description thereof will be omitted. Here, only the configuration different from that of the above-described first embodiment will be specifically described.

Step S401: For example, if the payer is IC
When a certain amount of money is paid using the electronic currency of the card 110, the requester of the payment generates the billing information and writes the billing information in the card reader / writer 120 for settlement which can be written to the billing IC card 330. The billing item, billing amount,
Enter billing information including a claimant ID and the like. In the card reader / writer 120, the CPU 121
Recognize the above input information at 0 and store it in memory 122.

Step S402: The claimant enters a billing IC
The card 330 is inserted into the card reader / writer 120.

Step S403: The contact 12 for the IC card of the card reader / writer 120 is
4 and the IC card contact 343 of the billing IC card 330
Are connected. Card reader / writer 120
Within the CPU 121, the identifier added to the billing information stored in the memory 122 in step S401 to identify the billing information for requesting the biller to the payer is added, and the information is used for the IC card. Contacts 124 and I
The data is transferred to the billing IC card 330 via the C card contact 343. The billing information to which the above identifier is added is hereinafter referred to as “claimer input billing information”.

In the billing IC card 330, the CP
The U 341 stores the requester input request information transferred from the card reader / writer 120 in the memory 342.

Step S404: The requester passes the requesting IC card 330 storing the requester input request information to the payer as described above. The payer inserts the billing IC card 330 into his / her personal reader / writer 130.

Step S405: In step S404, the IC card contact 135 of the personal reader / writer 130 and the IC card contact 3 of the billing IC card 330
43 is connected. In the personal reader / writer 130, the CPU 131 reads out the biller input billing information stored in the memory 342 of the billing IC card 330 via the IC card contact 135 and the IC card contact 343, and reads the biller input billing information. From the identifier added to the information, it is recognized that the information is for billing to its own side. At this time, the CPU 131
The requester input request information is displayed on the display unit 133 on a screen. Thereby, the payer confirms the billed amount and the like. After that, the CPU 131 stores the requester input request information in the memory 132. The claimant input billing information here is hereinafter referred to as “payer confirmed billing information”.

Step S406: The payer uses his own IC
The card 110 (hereinafter, referred to as “payment IC card 110”) is inserted into the personal reader / writer 130.

Step S203: At step S406, the IC card contact 135 of the personal reader / writer 130 and the IC card contact 1 of the payment IC card 110
14 is connected. In the personal reader / writer 130, the CPU 131 transfers information (including payable balance information) stored in the electronic currency memory 113 of the payment IC card 110 via the IC card contact 135 and the IC card contact 114. And reads the balance payable by the IC card 110 from the read information. In addition, the CPU 131 reads the payer-confirmed billing information (including the billing amount requested by the claimant) stored in the memory 132 in step S405. And
The CPU 131 compares the balance payable by the IC card 110 with the amount charged in the payer-verified billing information. As a result of the above comparison, when the balance payable by the IC card 110 is smaller than the billed amount, the CPU 131 performs processing such as displaying warning information for notifying the user on the display unit 133. After that, the process ends. On the other hand, when the balance payable by the IC card 110 is larger than the billed amount (when the balance is sufficient), the processing from the next step S408 is executed.

Step S204: In the personal reader / writer 130, the CPU 131 adds an identifier for locking the payment to the payer-confirmed billing information stored in the memory 132, and adds the payer-confirmed billing. The information is used as payment lock information, and the IC card contact 13 is used.
5 and the IC card 110 via the IC card contact 114
Transfer to In the IC card 110, the CPU 11
1 saves the payment lock information transferred from the personal reader / writer 130 in the memory 112. After the payment lock information is stored in the IC card 110 in this way, the payer passes the IC card 110 to the claimant.

Step S205: The claimant inserts the IC card 110 passed from the payer into the card reader / writer 120 for settlement.

Step S206 ': IC card contact 1 of the card reader / writer 120 in step S205.
24 and the IC card contact 114 of the IC card 110 are connected. In the card reader / writer 120, the CPU 121 stores the billing information stored in the memory 122 in step S401, that is, in step S403.
The billing information (claimer input billing information including the billing item, billing amount, claimant ID, etc.) transferred to the billing card 330 by the IC card contact 124 and the IC card contact 1
By transferring to the IC card 110 via the
A payment request for the card 110 is made. The billing information here is hereinafter referred to as “request billing information”.

Step S207: I received the payment request from the card reader / writer 120 in step S206
In the C card 110, the CPU 111
12, it is determined whether or not the payment lock information generated in step S204 is stored in the memory 112. Here, since the payment lock information is stored in the memory 112 (locked state), the payment lock information is read by the CPU 111. Then, the CPU 111 recognizes the identifier for locking the payment from the payment lock information read in step S207, and determines whether or not the IC card 110 is locked for a content other than specific billing contents. As a result of this determination, if the state is locked, the process proceeds to the next step S208; otherwise (if a specific payment without locking is made), the next step S208 is performed.
The process skips from step S209 and proceeds to step S209 described below.

Step S208 ': The CPU 111 extracts billing information (locked payer-confirmed billing information) from the payment lock information read out in step S207, and the billing item, billing amount, and biller included in the information. I
D, etc., and the billing item, billing amount,
It compares all information such as the claimant ID and checks whether or not all the information completely matches. As a result of this check, if all the information completely matches, the process proceeds to the next step S209. Otherwise, the present process ends, and no payment is made.

Step S209: As a result of the confirmation in step S208, when the payer-confirmed billing information completely matches all the information included in the request billing information, or as a result of the determination in step S207, the specific payment that is not locked is determined. Is performed, the CPU 111 reads the electronic currency corresponding to the billed amount from the electronic currency memory 113,
The IC card contact 124 and the IC card contact 11
4 to the card reader / writer 120. In the card reader / writer 120, the CPU 121
The electronic currency information from the C card 110 is stored in the electronic currency memory 123.

Step S210: After the payment is made as described above, the CPU in the IC card 110
Reference numeral 111 erases the information (the locked billing information or the unlocked specific billing information) which has been paid in the memory 112. This prevents future payments from being locked. After that, the process ends.

As described above, in the present embodiment, the billing IC card 330 is provided, billing information is written from the settlement card reader / writer 120, and transmitted to the payer. It is not necessary to provide a complicated input function such as a numeric keypad in the personal reader / writer 130 of the payer. Therefore, the portability of a personal reader / writer, which is a device generally used for displaying and confirming the content stored in an IC card, is not impaired. When reviewing billing information,
Since the payment is made only when all information such as the billing amount and the claimant ID completely match, the security of the payer's IC card 110 can be further improved.

In the first embodiment, as in the second embodiment, confirmation is performed with all information such as the billing item, the billing amount, and the biller ID included in the billing information. You may. Thus, also in the first embodiment, the security of the payer's IC card 110 can be further improved.

Further, in each of the first and second embodiments, for example, as shown in FIG. 5, an external information device 510 which can be connected to the card reader / writer 120 of the claimant may be provided. Specifically, the external information device 51
If 0 is used as a cash register machine, the card reader / writer 12
0 is connected, and the unit price, subtotal, and the like of each item of the billing content are transferred to the card reader / writer 120 as the billing information (request billing information) described above. As a result, more detailed billing information can be used. Therefore, in the case of this configuration,
More detailed billing information can be easily generated, and it is convenient to confirm the biller and the payer. Also,
Since detailed billing information can be confirmed, payment contents can be clearly confirmed. Further, since the billing information is detailed, the check items of the payment lock are increased, and a more strict check can be performed.

In each of the first and second embodiments, the settlement card reader / writer 120
A configuration may be adopted in which certain information such as the claimant ID can be set in advance by a fixed storage means such as an EPROM. Thus, it is not necessary to input fixed information such as a claimant ID every time payment is made. Therefore, the operation is simplified.

Further, an object of the present invention is to provide a storage medium storing program codes of software for realizing the functions of the host and the terminal of each of the above-described embodiments to a system or an apparatus, and to provide a computer of the system or the apparatus. Needless to say, this can also be achieved by a program (or CPU or MPU) reading and executing a program code stored in a storage medium. In this case, the program code itself read from the storage medium realizes the function of each embodiment, and the storage medium storing the program code constitutes the present invention. As a storage medium for supplying the program code, RO
M, floppy disk, hard disk, optical disk, magneto-optical disk, CD-ROM, CD-R, magnetic tape, nonvolatile memory card, and the like can be used. In addition, by executing the program code read by the computer, not only the functions of the embodiments are realized, but also based on the instructions of the program code,
It goes without saying that the OS or the like running on the computer performs part or all of the actual processing, and the processing realizes the functions of the embodiments.
Further, after the program code read from the storage medium is written to a memory provided in an extension function board inserted into the computer or a function extension unit connected to the computer, the function extension is performed based on the instruction of the program code. C provided on board and function expansion unit
It goes without saying that a PU or the like performs part or all of the actual processing, and the processing realizes the functions of the embodiments.

[0053]

As described above, according to the present invention, the electronic currency is exchanged by transmitting and receiving signals between card-shaped storage media (such as an IC card). In particular, in the case of payment using the electronic currency, billing information for the card-shaped storage medium is provided. , And the billing information is written in the card-shaped storage medium. Specifically, for example, the billing information including the billing amount and the like confirmed by the payer is locked and written into the payer's card-shaped storage medium (first card-shaped storage medium). When the payer makes a payment using the card-shaped storage medium of the payer, the contents of the billing information (payment request) actually issued by the claimant and the card form of the payer Compare the contents of the billing information written on the storage medium,
If they do not match, the payer's card-shaped storage medium is disabled (locked and no payment is made). As a result, when an improper payment request is made on the requester side, payment is not made on the card-shaped storage medium of the payer. Therefore, improper payment can be reliably prevented, and the security of settlement by electronic currency can be improved. When inputting billing information to be written in the card-shaped storage medium of the payer, the card-shaped storage medium (second card-shaped storage medium) of the requester in which the information is stored in advance may be used. . This eliminates the need for a numeric keypad or the like for inputting the information, and can simplify the device or system configuration. Further, in this case, information from an external device such as a cash register may be transferred to and stored in the card-shaped storage medium of the requester. As a result, more detailed billing information can be easily used, so that the check for preventing the above-mentioned improper payment or the like can be performed more strictly. Still further, fixed (invariant) information such as a claimant ID included in the billing information may be set in advance by a fixed storage means such as an EPROM. This eliminates the need to input fixed information every time payment is made, so that the operation is simplified. Therefore, according to the present invention, it is possible to improve the reliability and security of settlement by electronic currency.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an electronic currency settlement system to which the present invention is applied in a first embodiment.

FIG. 2 is a flowchart for explaining the operation of the electronic currency settlement system.

FIG. 3 is a block diagram showing a configuration of an electronic currency settlement system to which the present invention is applied in a second embodiment.

FIG. 4 is a flowchart for explaining the operation of the electronic currency settlement system.

FIG. 5 is a diagram for explaining a configuration in which an external information device is provided in the electronic currency settlement system.

[Explanation of symbols]

 REFERENCE SIGNS LIST 100 electronic currency settlement system 110 payment IC card 111 CPU 112 memory 113 electronic currency memory 114 IC card contact 120 card reader / writer 121 CPU 122 memory 123 electronic currency memory 124 IC card contact 130 personal reader / writer 131 CPU 132 memory 133 Display unit 134 Input unit 135 Contact for IC card

Claims (11)

[Claims] 1. An information processing apparatus capable of accessing a first card-shaped storage medium having at least a function of paying by electronic currency, wherein input means inputs billing information for the first card-shaped storage medium. An information processing apparatus comprising: a writing unit configured to write the billing information input by the input unit into the first card-shaped storage medium. 2. The writing device according to claim 1, wherein the writing unit adds the lock information to the request information to prohibit a request other than the request corresponding to the information from being accepted. An information processing apparatus according to claim 1. 3. The information processing apparatus according to claim 1, wherein said input means acquires and inputs said information from a second card-shaped storage medium storing said claim information. 4. A card-shaped storage medium having at least a payment function using an electronic currency, a storage means for storing billing information, and a control for not accepting a claim other than a bill corresponding to the billing information stored in the storage means. A card-shaped storage medium, comprising: control means for performing the following. 5. A first card-shaped storage medium having at least a function of payment by electronic currency, a first device capable of accessing the first card-shaped storage medium, and a first card-shaped storage medium An electronic currency settlement system including a second device for issuing a request for the card, wherein the first device is an input unit for inputting information of a request for the card-shaped storage medium, and is input by the input unit. And a first writing unit for writing the billing information to the first card-shaped storage medium. 6. The control function of the first card-shaped storage medium for accepting a request other than a request corresponding to the request information written by the first device in response to a request from the second device. The electronic currency settlement system according to claim 5, further comprising: 7. The apparatus further comprises a second card-shaped storage medium storing the billing information, wherein the first device acquires and inputs the billing information stored in the second card-shaped storage medium. The electronic currency settlement system according to claim 5, wherein: 8. The apparatus according to claim 5, wherein the second device includes a second writing unit that writes the billing information transferred from the outside to the second card-shaped storage medium.
Electronic currency settlement system described. 9. The second apparatus further comprises storage means for storing invariable information included in the billing information, and the writing means stores the invariable information included in the billing information from the storage means. 9. The electronic currency settlement system according to claim 8, wherein the system acquires and writes the acquired information in the second card-shaped storage medium. 10. A computer-readable storage medium storing processing steps for exchanging electronic currency by transmitting and receiving signals to and from a card-shaped storage medium having at least a payment function using electronic currency. An input step of inputting billing information for the card-shaped storage medium, a writing step of writing the billing information input in the input step to the card-shaped storage medium, and a claim for the card-shaped storage medium And a comparing step of comparing the billing information written in the card-shaped storage medium in the writing step with the billing information issued in the billing step. Controlling the payment function using the card-shaped storage medium based on the comparison result in A storage medium characterized by the following. 11. The control step includes a step of enabling a payment function using the card-shaped storage medium only when the respective billing information matches according to the comparison result of the comparison step. Claim 10
The storage medium according to the above.