JP2000215258A - Integrated electronic money system, payment system and electronic money transaction method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an integrated electronic money system for improving the convenience and the flow property of electronic money and the like. SOLUTION: Information on a user account containing the cash accounts and the plural types of electronic money accounts of respective users and a pool account having constitution similar to the user account are stored in the account data base 2A of an electronic money service center 7. When the electronic money service center 7 receives an electronic money settlement substitutive service request from a user terminal 6, a service processing part 72 gives an indication to convert the fund of a settlement amount in the cash account of the user P7 into prescribed electronic money to an account data management part 73. The account data management part 73 moves the fund of the settlement amount from the cash account of the user P7 and transfers electronic money for the settlement amount from a prescribed electronic money account in the pool account to the service processing part 72. The service processing part 72 pays electronic money equivalent to the settlement amount to a payment destination.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an integrated electronic money system for handling a plurality of types of electronic money, a payment system, and an electronic money transaction method.

[0002]

2. Description of the Related Art Conventionally, there has been known an electronic money system capable of conducting a transaction using electronic money having a monetary value. In such a system, usage forms of electronic money are diversified due to differences in the basic concept and the like of electronic money, and as a result, various electronic money systems exist.

[0003]

Therefore, when the user uses the electronic money system as described above, it is necessary to access different systems for each electronic money to be used, which is troublesome. In addition, since each electronic money system is in a closed environment, it is difficult to transfer funds between the systems, which is inconvenient.

[0004] The present invention has been made in view of the above situation, and has as its object to provide a comprehensive electronic money system, a payment system, and an electronic money transaction method for improving the convenience and liquidity of electronic money. .

[0005]

In order to achieve the above object, an integrated electronic money system according to a first aspect of the present invention comprises cash account information for each user and electronic money account information for a plurality of types of electronic money. And a transaction terminal connected to the center by communication with the center, wherein the center has a predetermined cash from the transaction terminal. In response to a deposit request or cash withdrawal request, of the user account information stored in the account database, by updating the corresponding user's cash account information according to the deposit amount or withdrawal amount, cash can be saved. Cash depositing and withdrawing means for depositing or withdrawing from the account, and the account data in response to a predetermined electronic money deposit request or electronic money withdrawal request from the transaction terminal. Of the plurality of types of electronic money account information of the corresponding user in the user account information stored in the database, the electronic money account information to be deposited or withdrawn is updated according to the amount of deposit or withdrawal. Thereby, electronic money depositing / dispensing means for depositing or withdrawing any kind of electronic money from / to the account, and in response to a predetermined electronic money account transfer request from the transaction terminal, stored in the account database. By updating the source and destination e-money account information of the applicable user's multiple types of e-money account information according to the amount of money transferred, funds can be transferred between e-money accounts. Moving electronic money account moving means, and in response to a predetermined electronic money purchase request from the transaction terminal, of the user account information stored in the account database, By updating the cash account information of the user concerned and the electronic money account information of the purchase target among the multiple types of electronic money account information according to the purchase amount, any cash in the cash account can be used. Electronic money purchasing means for purchasing a type of electronic money, and a plurality of corresponding users of user account information stored in the account database in response to a predetermined electronic money cashing request from the transaction terminal. Electronic money for converting any type of electronic money into cash by updating the electronic money account information to be cashed out of the types of electronic money account information and the cash account information according to the cashing request amount. Cashing means, and in response to a predetermined electronic money settlement proxy request from the transaction terminal, the user account information stored in the account database, the corresponding user's cash account information By updating the payment amount according to the payment amount and transmitting the electronic money of the payment target type corresponding to the payment amount to a predetermined payee, the cash in the cash account is converted into the payment target electronic money and the electronic payment to the payment destination is performed. Money settlement agency,
Is provided.

According to such a configuration, since various types of electronic money are managed collectively, the user can reduce the labor required to select a system to be accessed in accordance with the type of electronic money to be used. Procedures can be simplified. In addition, according to the electronic money settlement agent, it is possible to pay by a type of electronic money for which the user does not have an account, so that the user can pay without paying attention to the type of electronic money to be paid. can do.

[0007] The account database provided in the center may further store system account information including cash account information and electronic money account information for a plurality of types of electronic money. Means for increasing the amount indicated by the cash account information of the corresponding user by the deposit amount input to the transaction terminal in response to the deposit request; and cash account information of the corresponding user in response to the cash withdrawal request. Is reduced by the withdrawal amount,
Means for discharging the cash corresponding to the withdrawal amount to the transaction terminal, wherein the electronic money depositing / dispensing means responds to the electronic money depositing request by a plurality of types of electronic money of the corresponding user. Means for adding the electronic money received from the transaction terminal together with the electronic money deposit request to the electronic money account information to be paid out of the account information, and a plurality of corresponding users according to the electronic money withdrawal request. Means for extracting electronic money corresponding to the withdrawal amount from the electronic money account information to be withdrawn from the electronic money account information of the type and transmitting the electronic money to the transaction terminal, wherein the electronic money account transfer means In response to the request for transfer between electronic money accounts, the electronic money corresponding to the transfer amount in the electronic money account information of the transfer source among the plurality of types of electronic money account information of the corresponding user. , Among a plurality of types of electronic money account information system for account information, and means for moving the electronic money account information corresponding to the source electronic money account information,
To the destination electronic money account information among the plurality of types of electronic money account information of the corresponding user, to the electronic corresponding to the destination electronic money account information among the plurality of types of electronic money account information for the system account information. Means for transferring electronic money corresponding to the transfer amount from the money account information, wherein the electronic money purchase means indicates the corresponding user's cash account information in response to the electronic money purchase request. A means for reducing the amount by the purchase amount and increasing the amount indicated by the cash account information in the system account information by the purchase amount, and a method for acquiring the electronic device to be purchased from the plurality of types of electronic money account information of the corresponding user. Electronic money account information corresponding to the purchase amount from the electronic money account information corresponding to the electronic money account information to be purchased among the multiple types of electronic money account information in the system account information May comprise means for moving, the,
The electronic money cashing means, in response to the electronic money cashing request, electronic money corresponding to the cashing request amount in the electronic money account information to be cashed among the plurality of types of electronic money account information of the corresponding user. Means for moving to the electronic money account information corresponding to the electronic money account information to be cashed out of the plurality of types of electronic money account information of the system account information, and the amount indicated by the cash account information of the system account information. Means for decrementing by the cashing request amount and increasing the amount indicated by the cash account information of the corresponding user by the cashing request amount, wherein the electronic money settlement acting means comprises the electronic money settlement acting request. Means for reducing the amount indicated by the corresponding user's cash account information by the settlement amount, and among a plurality of types of electronic money account information of the system account information, Remove the electronic money of the settlement amount of money from the electronic money account information of the payment target, and means for transmitting a given payee, it may be provided.

[0008] The electronic money cashing means, in response to a predetermined cashing request from the transaction terminal, stores a plurality of types of electronic money of the corresponding user in the user account information stored in the account database. By updating the electronic money account information to be cashed out of the account information and the cash account information according to the cashing request amount and a predetermined conversion rate, any kind of electronic money can be cashed. It may further include a cashing unit that converts the data into cash.

[0009] The cashing means, in response to the cashing request, transfers the electronic money corresponding to the cashing request amount in the electronic money account information to be cashed out of the plurality of types of electronic money account information of the corresponding user. Means for moving to the electronic money account information corresponding to the electronic money account information to be cashed out of the plurality of types of electronic money account information of the system account information, and the amount indicated by the cash account information of the system account information, Means may be provided for reducing by the conversion amount calculated from the cash conversion request amount and the predetermined conversion rate, and increasing the amount indicated by the cash account information of the corresponding user by the conversion amount.

[0010] A payment system according to a second aspect of the present invention is a payment system comprising: a center having an account database for storing cash account information of each user; and a payment terminal connected to the center by communication. In the system, the center updates the corresponding user's cash account information stored in the account database according to the payment amount in response to a payment request from the payment terminal, A payment unit is provided that converts the cash in the cash account into electronic money to be paid and sends the electronic money to the payee by transmitting the electronic money of the type to be paid to a predetermined payee.

According to such a configuration, it is possible to pay by a type of electronic money for which the user does not have an account, so that the user can pay without paying attention to the type of electronic money to be paid. can do.

The account database provided in the center may further store system account information including cash account information and electronic money account information for a plurality of types of electronic money. In response to a payment request, means for reducing the amount indicated by the corresponding user's cash account information by the payment amount, and payment from the electronic money account information to be paid out of multiple types of electronic money account information in the system account information Means for extracting the amount of electronic money and transmitting the electronic money to a predetermined payee.

An electronic money transaction method according to a third aspect of the present invention provides an account database for storing user account information including cash account information of each user and electronic money account information for a plurality of types of electronic money. A center comprising:
An electronic money transaction method in a system comprising: a transaction terminal connected to the center by communication; and wherein the center receives a predetermined cash deposit request or cash withdrawal request from the transaction terminal, the account database. A cash depositing and withdrawing step of updating the cash account information of a predetermined user in accordance with a deposit amount or a withdrawal amount among the user account information stored in the user account information, and the center executes a predetermined electronic money deposit request or electronic money When a withdrawal request is received from the transaction terminal, of the user account information stored in the account database, of the plurality of types of electronic money account information of a predetermined user, the electronic money to be paid or withdrawn. An electronic money deposit / withdrawal step of updating the money account information according to the deposit amount or the withdrawal amount; When received from the transaction terminal, the user account information stored in the account database,
Of multiple types of electronic money account information of a given user,
An electronic money account transfer step of updating the electronic money account information of the transfer source and the transfer destination according to the transfer amount, and, when the center receives a predetermined electronic money purchase request from the transaction terminal, the account database The stored user account information is updated with the cash account information of the predetermined user and the electronic money account information to be purchased among the plurality of types of electronic money account information according to the purchase amount. An electronic money purchase step, and when the center receives a predetermined electronic money cashing request from the transaction terminal, the user account information stored in the account database; The electronic money account information to be cashed out of the electronic money account information and the cash account information,
An electronic money cashing step of updating in accordance with the cashing request amount; and, when the center receives a predetermined electronic money settlement acting request from the transaction terminal, of the user account information stored in the account database, An electronic money settlement acting step of updating cash account information of a predetermined user in accordance with the settlement amount and transmitting electronic money of a kind to be paid for the settlement amount to a predetermined payee.

According to such a configuration, in a system for comprehensively managing various types of electronic money, the effort required for the user to select a system to be accessed according to the type of electronic money to be used is reduced, Procedure can be simplified. In addition, according to the electronic money settlement acting step, the payment can be made by using a type of electronic money for which the user does not have an account, so that the user can pay without paying attention to the type of electronic money to be paid. can do.

[0015] In the electronic money transaction method, when the center receives a predetermined cashing request from the transaction terminal, a plurality of types of predetermined account information of the user account information stored in the account database are stored. The electronic money account information to be cashed out of the electronic money account information and the cash account information of the electronic money account information may further include a cashing step of updating the cashing request amount and a predetermined conversion rate. Good.

An electronic money transaction method according to a fourth aspect of the present invention includes a center provided with an account database for storing cash account information of each user, and a payment terminal connected to the center by communication. An electronic money transaction method in a system comprising: when the center receives a predetermined payment request from the payment terminal, the cash account information of a predetermined user stored in the account database according to the payment amount. A payment step is provided for updating and transmitting electronic money of the kind to be paid for the payment amount to a predetermined payee.

According to such a configuration, it is possible to pay by a type of electronic money for which the user does not have an account, so that the user can pay without paying attention to the type of electronic money to be paid. can do.

[0018]

DESCRIPTION OF THE PREFERRED EMBODIMENTS (First Embodiment) Hereinafter, an integrated electronic money system according to a first embodiment of the present invention will be described with reference to the drawings. As shown in FIG. 1, the integrated electronic money system includes a service processing server 1,
Account database server 2 and financial institution gateway 3
, An ATM 4, a teller terminal 5, and a user terminal 6. Among them, service processing server 1, account database server 2, financial institution gateway 3, ATM
4 and the counter terminal 5 are LAN (Local Area Network)
Are connected to each other. Further, the user terminal 6 is connected to the service processing server 1 via the Internet or the like.

The service processing server 1 receives a service request from the user terminal 6 or the like, and performs a process relating to a service according to the user's request in cooperation with the account database server 2 and the financial institution gateway 3. Details of the processing related to this service will be described later.

The account database server 2 is, for example, as shown in FIG.
And an account database 2A for storing account data and the like of a user of the present system, and updates data stored in the account database 2A in response to a request from the service processing server 1. Account database 2
The account data stored in A includes cash account data and various electronic money (electronic money M) used in this system.
A, electronic money MB,..., Electronic money MX, etc.) account data. The various types of electronic money include various electronic money issued and used in various electronic money systems, financial institutions, and the like to which the present system is connected (for example, electronic money issued by XX Bank, △△ Electronic money issued by the electronic money system). Also,
The account database 2A includes a pool account used for performing predetermined transaction processing in response to a service request from a user. The pool account includes data of a cash account and data of accounts for various electronic moneys, similarly to the user account.

The financial institution gateway 3 controls the connection between the LAN to which the service processing server 1, the account database server 2 and the like are connected, and another network (a network such as a financial institution and an electronic money system). .

The ATM 4 and the counter terminal 5 are dedicated terminals for the user to deposit and withdraw cash. The user terminal 6 is a terminal for a user to request a service related to electronic money from the service processing server 1 via the Internet, and includes an IC card reader / writer that processes an IC card for storing electronic money. .

Among the above, the service processing server 1, the account database server 2, the financial institution gateway 3
Thus, an electronic money service center 7, which is a main part of the present system, is formed. FIG. 3 shows a functional configuration of the electronic money service center 7. As shown, the electronic money service center 7 includes a user service unit 71.
Service processing unit 72, account data management unit 73,
It has a financial institution connection unit 74 and an account database 2A.

The user service unit 71 is realized by the service processing server 1 and accepts predetermined service requests from the ATM 4, the counter terminal 5, the user terminal 6, and the like. The service processing unit 72 is realized by the service processing server 1 and, in response to a service request received by the user service unit 71, transfers funds between predetermined accounts and the like to the account data management unit 7.
Instruct 3 The account data management unit 73 is realized by the account database server 2, and performs processing such as increasing or decreasing the amount of money in a predetermined account in accordance with an instruction from the service processing unit 72. The financial institution connection unit 74 is realized by the service processing server 1, the financial institution gateway 3, and the like.
Performs transaction processing with financial institutions, etc.

Next, the operation of the present system will be described according to the service provided by the electronic money service center 7 to the user.

(A) Cash deposit / withdrawal service In the cash deposit / withdrawal service, a deposit or withdrawal is made to a user's cash account in the account database 2A according to a request from the user. In the case of the payment processing, as shown in FIG. 4 (A), for example, the user P1 inputs “Cash payment service” as a requested service to an input unit (not shown) of the ATM 4 or the counter terminal 5 and a predetermined amount of money. Then, the user puts in cash and inputs identification information (for example, an ID and a password) for identifying the user P1. ATM 4 or teller terminal 5 according to the request for "cash deposit service"
Transmits to the user service unit 71 a cash deposit service request including the input identification information and the inserted cash.

The user service unit 71 receives the cash deposit service request from the ATM 4 or the counter terminal 5, and notifies the service processing unit 72 of the received request. In response to the cash deposit service request notified from the user service unit 71, the service processing unit 72 deposits the cash equivalent fund entered into the cash account of the user P1 specified by the identification information included in the request. Instructs the account data management unit 73 to do so. In response to this instruction, the account data management unit 73 increases the amount of the cash account of the corresponding user P1 by a predetermined amount.
4 or to the counter terminal 5. Thereby, cash is deposited in the account (cash account) of the user P1.

In the case of the dispensing process, for example, as shown in FIG.
The user inputs "cash withdrawal service" as a requested service, and also inputs a withdrawal request amount and identification information. In response to the request for the “cash withdrawal service”, the ATM 4 or the counter terminal 5 sends a cash withdrawal service request including the identification information and the withdrawal request amount to the user service unit 71.
Send to The user service unit 71 receives the cash dispensing service request from the ATM 4 or the counter terminal 5 and notifies the service processing unit 72 of the received request.

In response to the cash dispensing service request notified from the user service unit 71, the service processing unit 72 transmits a predetermined amount of money from the cash account of the user P1 specified by the identification information included in the request. Is instructed to withdraw the account data. In response to this instruction, the account data management unit 73 reduces the amount of the cash account of the corresponding user P1 by a predetermined amount, and sends a withdrawal completion notification via the service processing unit 72 and the user service unit 71. ATM
4 or to the counter terminal 5. ATM 4 or teller terminal 5
Discharges the cash corresponding to the requested withdrawal amount from a cash outlet (not shown) in response to the receipt of the withdrawal completion notification. Thereby, cash is paid out from the account (cash account) of the user P1.

Instead of the user inputting his / her own identification information at the ATM 4 or the counter terminal 5, an IC card storing the identification information may be set in the ATM 4 or the counter terminal 5 and read. .

In this service, it is also possible to deposit and withdraw money from a cash account in another financial institution or an electronic money system. In this case, the user inputs a request for a cash deposit / withdrawal service to another financial institution or the like at the ATM 4 or the counter terminal 5 and enters the above-mentioned input items (identification information and / or withdrawal request amount). In addition, financial institution account information for specifying an account of another financial institution, for example, is also input. The ATM 4 or the counter terminal 5 transmits the input information (including the input amount in the case of payment) and the cash transfer / dispensing service request of the financial institution to the user service unit 71. The service processing unit 72 notifies the financial institution connection unit 74 of the financial institution cash deposit / withdrawal service request accepted by the user service unit 71. The financial institution connection unit 74 responds to the financial institution cash deposit / withdrawal service request notified from the user service unit 71, and based on the financial institution account information included in the request, provides the relevant financial institution, etc. A transaction request is made for payment to a predetermined account or withdrawal from a predetermined account.
As a result, deposits and withdrawals to accounts of other financial institutions and the like become possible.

(B) Electronic money deposit / withdrawal service In the electronic money deposit / withdrawal service, a deposit or withdrawal of a user's electronic money account registered in the account database 2A is made in response to a request from the user. Do the money. In the case of the payment processing, as shown in FIG. 5A, for example, the user P2 sets his / her IC card in the user terminal 4 or 5, inputs "electronic money payment service" as a requested service, and Then, the user inputs the type of electronic money to be paid (for example, electronic money MA) and the amount of money to be paid.
The IC card stores, for example, user identification information. In response to the request for the “electronic money deposit service”, the user terminal 6 receives, from the set IC card, electronic money (for example, electronic money MA) of a specified type corresponding to the deposit amount and identification information. An electronic money deposit service request including the identification information and the electronic money is transmitted to the user service unit 71.

The user service unit 71 receives the electronic money deposit service request from the user terminal 6, and notifies the service processing unit 72 of the received request. The service processing unit 72 responds to the electronic money deposit service request notified from the user service unit 71, for example, by using the predetermined information of the user P2 specified by the identification information included in the request and the electronic money to be deposited. It instructs the account data management unit 73 to deposit a predetermined amount of electronic money into a money account (for example, an electronic money MA account). In response to this instruction, the account data management unit 73 sets the user P2
The amount of the corresponding electronic money account (for example, the account of the electronic money MA) is increased by a predetermined amount. This allows
The electronic money stored in the IC card is transferred to the account of the user P2 (the account of the electronic money MA).

In the case of the withdrawal process, as shown in FIG. 5B, for example, the user P2 sends his / her own ID to the user terminal 6.
The user inserts a C card and inputs a request for “electronic money dispensing service”, and also inputs a type of electronic money to be dispensed (for example, electronic money MA) and a disbursement request amount. In response to the request for the “electronic money dispensing service”, the user terminal 6 receives the identification information from the set IC card and transmits an electronic money dispensing service request including the identification information to the user service unit 71. . The user service unit 71 receives the electronic money dispensing service request from the user terminal 6 and notifies the service processing unit 72 of the received request.

In response to the electronic money dispensing service request notified from the user service unit 71, the service processing unit 72 is specified by, for example, identification information included in the request and the type of electronic money to be dispensed. It instructs the account data management unit 73 to withdraw a predetermined amount of electronic money from a predetermined electronic money account (for example, an account of the electronic money MA) of the user P2. In response to this instruction, the account data management unit 73 reduces the amount of the corresponding electronic money account (for example, the account of the electronic money MA) of the user P2 by a predetermined amount, and reduces the amount of the electronic money (for example, The electronic money MA) and the service processing unit 7
2 and to the user terminal 6 via the user service unit 71. The user terminal 6 stores the received electronic money in the IC card. Thereby, the electronic money is transferred to the user P2.
Is withdrawn from the account (electronic money MA account) and charged to the IC card.

In this service, it is possible to deposit and withdraw electronic money accounts in other financial institutions, electronic money systems, and the like. In this case, the user inputs a request for the electronic money deposit / withdrawal service to another financial institution or the like at the user terminal 6 and also performs the above input items (identification information, type and / or withdrawal of electronic money). In addition to the required amount of money, financial institution account information for specifying a predetermined account in another financial institution or the like is also input. User terminal 6
Indicates the information entered (including electronic money received from the IC card in the case of deposit) and the electronic money deposit /
The payment service request is transmitted to the user service unit 71.
The service processing unit 72 notifies the financial institution connection unit 74 of the financial institution electronic money deposit / withdrawal service request accepted by the user service unit 71. In response to the financial institution electronic money deposit / withdrawal service request notified from the user service unit 71, the financial institution connection unit 74 communicates with the corresponding financial institution based on the financial institution account information included in the request. And making a transaction request for depositing electronic money into the predetermined account or withdrawing electronic money from the predetermined account. As a result, it becomes possible to deposit and withdraw electronic money for a predetermined account at another financial institution or the like.

(C) Electronic Money Account Transfer Service In the electronic money account transfer service, funds are transferred between electronic money accounts of the user in the account database 2A in response to a request from the user. For example, as shown in FIG. 6, the user P3 sets his / her IC card in the user terminal 6, inputs the “electronic money account transfer service” as a requested service, and sets a transfer source account (for example, Source account information (account number etc.) for specifying the electronic money MA account, transfer amount, and transfer destination account information for specifying the transfer destination account (for example, the electronic money MB account) are input. I do. In response to the request for the "electronic money account transfer service", the user terminal 6 receives the identification information from the set IC card, the identification information, the source account information, the transfer amount, and the destination account information. Is transmitted to the user service unit 71.

The user service unit 71 receives the electronic money account transfer service request from the user terminal 6 and notifies the service processing unit 72 of the received request. In response to the electronic money account transfer service request notified from the user service unit 71, the service processing unit 72, for example, transmits the user P 3 specified by the source account information and the destination account information included in the request. It instructs the account data management unit 73 to transfer a predetermined amount of electronic money from a source account (for example, an electronic money MA account) to a destination account (for example, an electronic money MB account).

In response to this instruction, account data management unit 73
Is the transfer amount of electronic money (M) from the electronic money account (for example, the electronic money MA account) of the transfer source of the user P3.
A) is transferred to a corresponding electronic money account (for example, an account for electronic money MA) in the pool account, and is transferred to an electronic money account (for example, an account for electronic money MB) to which the user P3 moves. Electronic money (M
B) is moved from the corresponding electronic money account (for example, the electronic money MB account) in the pool account. Thereby, the electronic money account of the transfer source (for example, electronic money MA)
Is transferred to the destination electronic money account (for example, the account of the electronic money MB).

In the above description, the account database 2
At the time of the fund transfer in A, the funds are transferred from the source account to the destination account via the pool account. However, the present invention is not limited to this. For example, an external electronic money system via the financial institution connection unit 74 And so on to realize the transfer of funds. In this case, for example, a predetermined amount of electronic money among the electronic money stored in the transfer source account (for example, the account of electronic money MA) is transmitted to an electronic money system that handles the electronic money (for example, electronic money MA). Using the funds, a predetermined amount of electronic money is acquired from an electronic money system that handles electronic money (for example, electronic money MB) stored in the destination account, and the destination account (for example, electronic Money MB account)
May be stored.

Further, for example, funds can be transferred from the electronic money account of the user P3 to the electronic money account of another person. In this case, the user P3 inputs, for example, information for specifying the account of another person (such as the account number of another person) as the destination account information.

(D) Electronic Money Purchase Service In the electronic money purchase service, the purchase of electronic money using the funds of the user's cash account in the account database 2A is realized in response to a request from the user. For example, as shown in FIG. 7, the user P4 sets his / her IC card in the user terminal 6, inputs "electronic money purchase service" as a requested service, and also specifies the type of electronic money to be purchased (for example, , Electronic money MB)
And the purchase price. In response to the request for the “electronic money purchase service”, the user terminal 6 receives the identification information from the set IC card, and
Type of electronic money to be purchased (for example, electronic money M
An electronic money purchase service request including B) and the purchase price is transmitted to the user service unit 71.

The user service unit 71 receives the electronic money purchase service request from the user terminal 6, and notifies the service processing unit 72 of the received request. The service processing unit 72 responds to the electronic money purchase service request notified from the user service unit 71,
For example, account data management is performed so that funds corresponding to the purchase amount are transferred from a cash account specified by the identification information included in the request to an electronic money account for electronic money to be purchased (for example, an electronic money MB account). Instruct the unit 73.

In response to this instruction, account data management unit 73
Transfer the funds corresponding to the purchase amount from the cash account of the user P4 to the cash account in the pool account, and store the electronic money to be purchased by the user P4 in the pool account (for example, an electronic money account). From the MB account) to the electronic money account of the user P4 (for example, the account of the electronic money MB), the electronic money (M
Move B). Thereby, the purchase of electronic money using the funds in the cash account of the user P4 can be realized.

In the above description, the purchase of electronic money is realized by transferring funds from a cash account to an electronic money account via a pool account. However, the present invention is not limited to this. Transactions may be made with an external electronic money system or the like via 74 to purchase electronic money. In this case, for example, cash corresponding to the purchase amount in the cash account is remitted to an electronic money system that handles electronic money to be purchased (for example, electronic money MB), and a predetermined amount of electronic money (for example, The electronic money MB may be purchased and stored in a predetermined electronic money account (for example, an account of the electronic money MB).

(E) Cashable electronic money cashing service In the cashable electronic money cashing service, in response to a request from a user, cashing of electronic money in a user's electronic money account in the account database 2A is performed. Do. For example, as shown in FIG. 8, the user P5 sets his / her IC card in the user terminal 6, inputs the “cash-for-money electronic money cashing service” as a requested service, and also inputs the electronic money to be cashed. A type (for example, electronic money MB) and a cash amount are input. In response to the request for the “Cashable Electronic Money Cash Service”, the user terminal 6 receives the identification information from the set IC card, and the identification information and the type of the electronic money to be converted (for example, the electronic money MB). ) And a cash amount, and transmits a cashable electronic money cashing service request to the user service unit 71.

The user service unit 71 receives the cashable electronic money cashing service request from the user terminal 6 and notifies the service processing unit 72 of the received request. In response to the cashable electronic money cashing service request notified from the user service unit 71, the service processing unit 72, for example, identifies the electronic money specified by the identification information included in the request and the type of electronic money to be converted. The account data management unit 73 is instructed to transfer funds corresponding to the cash amount from an account (for example, an electronic money MB account) to a cash account.

In response to this instruction, account data management unit 73
Is an electronic money account (for example, an electronic money MB account) in which electronic money to be redeemed for the user P5 is stored.
The corresponding electronic money account in the pool account (for example,
The electronic money (MB) corresponding to the cash amount is transferred to the electronic money MB account), and the funds corresponding to the cash amount are transferred from the cash account in the pool account to the cash account of the user P5. Thus, the electronic money of the user P5 can be cashed.

In the above description, the cashing of the electronic money is realized by transferring funds from the electronic money account to the cash account via the pool account. However, the present invention is not limited to this. Transactions with an external electronic money system or the like may be performed via the unit 74 to realize cashing of the electronic money. In this case, for example, electronic money (for example, electronic money MB) corresponding to the cash amount is transmitted to an electronic money system that handles the electronic money and cashed, and the funds in the user's cash account in the account database 2A are converted to the cash amount. May be increased.

(F) Non-Cashable Electronic Money Purchase Service In the non-cashable electronic money purchase service, the electronic money of the user's electronic money account in the account database 2A is converted into cash in response to a request from the user. Do.
However, this service is a service for purchasing, for example, electronic money (non-cashable electronic money) that cannot generally be exchanged, and discounts and converts the electronic money to be exchanged based on a predetermined conversion rate or the like.

For example, as shown in FIG. 9, the user P6
The user sets his / her IC card in the user terminal 6 and inputs “non-cashable electronic money purchase service” as a requested service, and also specifies the type of electronic money to be converted (for example, electronic money MC), , Enter. In response to the request for the “non-cashable electronic money purchase service”, the user terminal 6 receives the identification information from the set IC card, and the identification information and the type of the electronic money to be exchanged (for example, the electronic money MC) ) And a cash amount, and transmits a non-cashable electronic money purchase service request to the user service unit 71.

The user service unit 71 receives the non-cashable electronic money purchase service request from the user terminal 6 and notifies the service processing unit 72 of the received request. The service processing unit 72 includes the user service unit 7
In response to the non-cashable electronic money purchase service request notified from 1, for example, an electronic money account (for example, an electronic money MC account) specified by the identification information included in the request and the type of electronic money to be converted. And instructs the account data management unit 73 to redeem the money after discounting it in accordance with a predetermined conversion rate or the like and to transfer the cash to a cash account.

In response to this instruction, account data management unit 73
From an electronic money account (for example, an account of electronic money MC) in which electronic money to be redeemed for user P6 is stored,
The corresponding electronic money account in the pool account (for example,
Electronic money (MC) is transferred to the electronic money MC account). In addition, the account data management unit 73
A cash discount amount is calculated based on a predetermined conversion rate (for example, cash “90” or the like with respect to electronic money MC “100”), and the calculated amount of funds is used from the cash account in the pool account. Move to the cash account of the person P6. Thereby, the non-cashable electronic money of the user P6 can be cashed. The conversion rate may be set for each type of electronic money.

(G) Electronic money settlement agency service In the electronic money settlement agency service, in response to a request from a user, cash in the user's cash account in the account database 2A is converted into predetermined electronic money, and the payment is made at the payee. By sending to a certain financial institution, electronic money system, etc.
Carry out payment for you.

For example, as shown in FIG.
Sets the user's own IC card in the user terminal 6, inputs the "electronic money settlement agency service" as a requested service, and sets the type of electronic money (for example, electronic money MD) used for settlement and the settlement amount. And payee information for specifying a payee financial institution or the like. In response to the request of the "electronic money payment agency service",
The user terminal 6 receives the identification information from the set IC card, and includes the identification information, the type of electronic money (for example, electronic money MD) used for the payment, the payment amount, and the payee information. An electronic money settlement agency service request is transmitted to the user service unit 71.

The user service unit 71 receives the electronic money settlement proxy service request from the user terminal 6 and notifies the service processing unit 72 of the received request. The service processing unit 72 responds to the electronic money settlement agency service request notified from the user service unit 71,
For example, it instructs the account data management unit 73 to convert funds corresponding to the settlement amount in the cash account specified by the identification information included in the request into electronic money (for example, electronic money MD) used for settlement.

In response to this instruction, account data management unit 73
Moves the funds corresponding to the settlement amount from the cash account of the user P7 to the cash account in the pool account, and transfers the funds corresponding to the settlement amount from a predetermined electronic money account (for example, an account of the electronic money MD) in the pool account. Money (MD)
And passes it to the service processing unit 72. The service processing unit 72 transmits the electronic money (MD) corresponding to the settlement amount received from the account data management unit 73 to, for example, the financial institution indicated by the payee information together with the information specifying the user P6. Thereby, payment by predetermined electronic money can be performed on behalf of the funds in the cash account of the user P6. In this case, since the funds in the user's cash account are converted into electronic money to be used for payment, payment by electronic money of a type for which the user does not have an account is also possible. Note that, for example, when the user has an electronic money account to be used for payment, the electronic money may be withdrawn from the account and paid.

As described above, according to the integrated electronic money system according to the first embodiment, since various electronic moneys are comprehensively managed, the user can select the type of electronic money to be used. The effort of selecting the system to be accessed can be reduced, and the procedure of the user can be simplified.
In addition, according to the electronic money settlement agency service, which is a function of the present system, it is possible to make a payment using a type of electronic money for which the user does not have an account. You can pay without being conscious.

(Second Embodiment) The "electronic money settlement agency service" function in the electronic money service of the first embodiment may be applied to a payment system for performing payment using a credit card or the like. . Such a payment system will be described below as a second embodiment of the present invention with reference to the drawings. As shown in FIG. 11, the payment system includes a payment processing server 11, an account database server 12, a financial institution gateway 13, a payment terminal 14,
And.

The payment processing server 11 receives a payment request from the payment terminal 14 or the like, and
In cooperation with the financial institution gateway 13, a predetermined payment process is performed. This payment process will be described later.

The account database server 12 includes, for example, an account database 12A for storing account data of a user of the present system as shown in FIG. 12, and stores the account data in the account database 12A in response to a request from the payment processing server 11. Update of the data that has been performed. The account database 12A stores data of a user's cash account and data of a pool account used for a payment process described later. As illustrated, the pool account includes data of a cash account and data of various electronic money (electronic money MA, electronic money MB,..., Electronic money MX, etc.) accounts.

The financial institution gateway 13 is connected between the LAN to which the payment processing server 11, the account database server 12, and the like are connected, and another network to which the financial institution to which payment is made, the electronic money system, and the like. Control the connection. The payment terminal 14 is a terminal for a user to pay a predetermined payee using a credit card.

Of the above, the payment processing server 11, the account database server 12, the financial institution gateway 13
Thus, the payment center 17 which is a main part of the present system is
Is formed. The functional configuration of the payment center 17 is shown in FIG.
Shown in As illustrated, the payment center 17 includes a payment receiving unit 171, a payment control unit 172, an account data management unit 173, a financial institution connection unit 174, and an account database 12A.

The payment receiving section 171 is provided for the payment processing server 11
And a payment request from the payment terminal 14 is accepted. The payment control unit 172 is realized by the payment processing server 11 and, in response to the payment request received by the payment receiving unit 171, allocates funds corresponding to the payment amount of the user's cash account to a predetermined type of money used for the payment. It instructs the account data management unit 173 to convert to electronic money. Payment control unit 1
72 instructs the financial institution connecting unit 174 to pay the electronic money converted by the account data management unit 173 to the paying financial institution or the like.

The account data management unit 173 is realized by the account database server 12 and, in accordance with an instruction from the payment control unit 172, transfers the funds corresponding to the payment amount in the user's cash account to a predetermined type used for payment. Is converted to electronic money and passed to the payment control unit 172. Financial Institution Connection 17
4 is a payment processing server 11 and a financial institution gateway 13
The electronic money for payment is transmitted to a financial institution or the like as a payee in accordance with an instruction from the payment control unit 172.

Next, the payment process which is the main process of the present system will be described with reference to FIG. 14, for example, in the case where the user P8 pays the electronic money MA equivalent to 3000 yen to the financial institution B. First, for example, the user P8 or a clerk sets the credit card of the user P8 in the payment terminal 14 and payee information indicating the financial institution B as the payee,
The user inputs the type of electronic money to be used for payment (in this case, electronic money MA), the amount of payment (in this case, 3000 yen), and the like. The payment terminal 14 is identification information for identifying a user from a credit card (for example, ID, password, etc.).
And a payment request including the identification information, the payee information (in this case, the financial institution B), the type of electronic money used for payment (electronic money MA), and the payment amount (3000 yen). Is transmitted to the payment receiving unit 171.

The payment receiving unit 171 receives a payment request from the payment terminal 14 and notifies the payment control unit 172 of the received request. The payment control unit 172 responds to the payment request notified from the payment receiving unit 171 by, for example,
The user P8 specified by the identification information included in the request
Is instructed to convert the 3000 yen fund of the cash account into electronic money (electronic money MA) used for payment.

In response to this instruction, account data management unit 17
3 transfers funds of 3000 yen from the cash account of the user P8 to the cash account in the pool account,
The electronic money MA for 3000 yen is extracted from the electronic money account (in this case, the electronic money MA account) used for payment in the pool account and passed to the payment control unit 172.

The payment control unit 172 includes the account data management unit 1
3000 yen of electronic money MA received from 73,
For example, the information is transmitted to the financial institution B indicated by the payee information together with the information specifying the user P8. Thereby, the user P8
Of the electronic money MA to the financial institution B by using the funds in the cash account of. In this case, since the funds in the user's cash account are converted into electronic money to be used for payment, it is possible to make various electronic money payments even if the user does not have an electronic money account. .

When the type of electronic money to be paid to each payee is predetermined, the payee and the type of electronic money used for payment are associated in advance, and the payee information is set based on the payee information. Alternatively, the type of electronic money for payment may be referred to.

Note that the integrated electronic money system and the payment system according to the present embodiment can be realized by using a normal computer system without using a dedicated system. For example, a medium storing a program for executing the above-described operation in a computer (floppy disk, C
By installing the program from a D-ROM or the like, a comprehensive electronic money system and a payment system that execute the above-described processing can be configured. In the case where the above-described functions are realized by the sharing of the OS or the joint use of the OS and the application, a portion other than the OS may be stored in the medium.

The medium for supplying the program to the computer may be a communication medium (a medium that temporarily and fluidly stores the program, such as a communication line, a communication network, or a communication system). For example, the program may be posted on a bulletin board (BBS) of a communication network and distributed via the network. Then, by starting this program and executing it in the same manner as other application programs under the control of the OS, the above-described processing can be executed.

[0073]

As described above, according to the present invention,
By comprehensively managing various types of electronic money, it is possible to reduce the labor required for the user to select a system to be accessed according to the type of electronic money to be used, and to simplify the procedure for the user. In addition, since payment can be made using electronic money of a type for which the user does not have an account, the user can make payment without being aware of the type of electronic money to be paid.

[Brief description of the drawings]

FIG. 1 is a diagram schematically showing a configuration of a comprehensive electronic money system according to a first embodiment of the present invention.

FIG. 2 is a diagram for explaining a structure of an account database provided in an account database server of the integrated electronic money system of FIG. 1;

FIG. 3 is a diagram showing a functional configuration of an electronic money service center formed by a service processing server, an account database server, and a financial institution gateway in the integrated electronic money system of FIG. 1;

FIG. 4 shows “Cash Deposit /
It is a figure for explaining operation at the time of "withdrawal service" provision.

FIG. 5 is a diagram for explaining the operation of the integrated electronic money system of FIG. 1 when providing “electronic money deposit / withdrawal service”.

FIG. 6 is a diagram for explaining the operation of the integrated electronic money system of FIG. 1 when the “electronic money account transfer service” is provided.

FIG. 7 is a diagram for explaining the operation of the integrated electronic money system of FIG. 1 at the time of providing “electronic money purchasing service”.

FIG. 8 is a diagram for explaining the operation of the integrated electronic money system of FIG. 1 at the time of providing a “cashable electronic money cashing service”.

FIG. 9 is a diagram for explaining the operation of the integrated electronic money system of FIG. 1 at the time of providing a “non-cashable electronic money purchase service”.

FIG. 10 is a diagram for explaining the operation of the integrated electronic money system of FIG. 1 when the “electronic money settlement agency service” is provided.

FIG. 11 is a diagram schematically illustrating a configuration of a payment system according to a second embodiment of the present invention.

FIG. 12 is a diagram for explaining a structure of an account database provided in the account database server of the payment system in FIG. 11;

13 is a diagram showing a functional configuration of a payment center formed by a payment processing server, an account database server, and a financial institution gateway in the payment system of FIG. 11;

FIG. 14 is a diagram for explaining a payment process in the payment system of FIG. 11;

[Explanation of symbols]

 Reference Signs List 1 service processing server 2 account database server 2A account database 3 financial institution gateway 4 ATM 5 teller terminal 6 user terminal 7 electronic money service center 11 payment processing server 12 account database server 12A account database 13 financial institution gateway 14 payment terminal 17 payment center 71 User service unit 72 Service processing unit 73 Account data management unit 74 Financial institution connection unit 171 Payment reception unit 172 Payment control unit 173 Account data management unit 174 Financial institution connection unit

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 5B049 AA01 BB17 BB46 CC08 CC39 GG02 5B055 BB03 CB01 CB03 CB15 EE12 EE21 EE27 FA01 KK05 LL03 LL07

Claims (9)

[Claims] A center provided with an account database for storing user account information including cash account information of each user and electronic money account information for a plurality of types of electronic money;
A transaction terminal connected to the center by communication, wherein the center stores in the account database in response to a predetermined cash deposit request or cash withdrawal request from the transaction terminal. Cash deposit and withdrawal means for depositing or withdrawing cash from an account by updating the corresponding user's cash account information according to the deposit amount or withdrawal amount among the user account information being performed, In response to a predetermined electronic money deposit request or electronic money withdrawal request from the transaction terminal, of the user account information stored in the account database, of a plurality of types of electronic money account information of the corresponding user, By updating the electronic money account information for deposit or withdrawal according to the deposit amount or withdrawal amount, any kind of electronic money can be deposited into the account or from the account Electronic money depositing and withdrawing means for depositing, and in response to a predetermined electronic money account transfer request from the transaction terminal, a plurality of types of electronic money of the corresponding user in the user account information stored in the account database. Electronic money account transfer means for transferring funds between electronic money accounts by updating the electronic money account information of the transfer source and the transfer destination according to the transfer amount, among the account information, In response to the electronic money purchase request, the user account information stored in the account database, the corresponding user's cash account information, and the electronic money to be purchased from the plurality of types of electronic money account information. By updating the account information according to the purchase amount, electronic money purchasing means for purchasing any kind of electronic money with cash in a cash account; and In response to a fixed electronic money cashing request, the user account information stored in the account database, the applicable user, the electronic money account information to be cashed out of a plurality of types of electronic money account information and , By updating the cash account information according to the requested amount of cash, electronic money cashing means for cashing any kind of electronic money, and a predetermined electronic money settlement proxy request from the transaction terminal. Accordingly, the user's account information stored in the account database is updated in accordance with the payment amount, and the corresponding user's cash account information is updated according to the payment amount. Electronic money settlement agent means for converting the cash in the cash account into electronic money to be paid by transmitting the payment first to the payment destination and paying the payment to the payee. Over system. 2. The account database provided in the center further stores system account information including cash account information and electronic money account information on a plurality of types of electronic money. In response to the request, means for increasing the amount indicated by the corresponding user's cash account information by the deposit amount input to the transaction terminal, and in response to the cash withdrawal request, the corresponding user's cash account information is Means for reducing the amount shown by the withdrawal amount and discharging cash corresponding to the withdrawal amount to the transaction terminal, wherein the electronic money depositing / dispensing means corresponds to the electronic money depositing request. Among the multiple types of electronic money account information of the user, the electronic money received from the transaction terminal together with the electronic money payment request is added to the electronic money account information to be paid. Means for extracting the electronic money corresponding to the withdrawal amount from the electronic money account information to be withdrawn from the plurality of types of electronic money account information of the corresponding user in response to the electronic money withdrawal request, and performing the transaction. Means for transmitting to the terminal, wherein the electronic money account transfer means, in response to the electronic money account transfer request, the transfer source electronic money of the plurality of types of electronic money account information of the corresponding user Means for transferring the electronic money corresponding to the transfer amount in the account information to electronic money account information corresponding to the electronic money account information of the transfer source, out of a plurality of types of electronic money account information of the system account information, To the destination electronic money account information of the plurality of types of electronic money account information, and the destination electronic money among the plurality of types of electronic money account information of the system account information. Means for transferring electronic money for the transfer amount from the electronic money account information corresponding to the account information, wherein the electronic money purchase means responds to the electronic money purchase request, and the cash account of the corresponding user. Means for reducing the amount indicated by the information by the purchase amount and increasing the amount indicated by the cash account information in the system account information by the purchase amount, and the purchase of multiple types of electronic money account information of the corresponding user Means for transferring electronic money corresponding to the purchase amount from the electronic money account information corresponding to the electronic money account information to be purchased among the plurality of types of electronic money account information of the system account information to the target electronic money account information. The electronic money cashing means, in response to the electronic money cashing request, the electronic money account to be cashed out of a plurality of types of electronic money account information of the corresponding user Means for moving electronic money corresponding to the requested amount of cash in the information to electronic money account information corresponding to the electronic money account information to be cashed out of a plurality of types of electronic money account information in the system account information, Means for reducing the amount indicated by the cash account information of the account information by the cashing request amount, and increasing the amount indicated by the cash account information of the corresponding user by the cashing request amount, the electronic money settlement acting means Means for reducing the amount indicated by the cash account information of the corresponding user by the settlement amount in response to the electronic money settlement proxy request; and electronic payment account information of a plurality of types of electronic money account information of the system account information. Means for extracting electronic money corresponding to the settlement amount from the money account information and transmitting the electronic money to a predetermined payee. Money system. 3. The electronic money cashing means, according to a predetermined cashing request from the transaction terminal, stores a plurality of types of electronic money of a corresponding user in user account information stored in the account database. By updating the electronic money account information to be cashed out of the money account information and the cash account information according to the cashing request amount and a predetermined conversion rate, any type of electronic money can be converted. The integrated electronic money system according to claim 1, further comprising a cashing unit for cashing. 4. The cashing means, in response to the cashing request, electronic money corresponding to the cashing request amount in the electronic money account information to be cashed out of a plurality of types of electronic money account information of the corresponding user. Means for transferring money to electronic money account information corresponding to the electronic money account information to be cashed out of a plurality of types of electronic money account information in the system account information, and the amount indicated by the cash account information in the system account information Means for reducing the amount calculated by the conversion amount calculated from the cash conversion request amount and the predetermined conversion rate, and increasing the amount indicated by the cash account information of the corresponding user by the conversion amount. Item 3. An integrated electronic money system according to item 3. 5. A payment system comprising: a center including an account database for storing cash account information of each user; and a payment terminal connected to the center by communication, wherein the center includes: In response to the payment request, the corresponding user's cash account information stored in the account database is updated according to the payment amount, and electronic money of the payment target type corresponding to the payment amount is transmitted to a predetermined payment destination. A payment system, comprising: a payment unit that converts cash in a cash account into electronic money to be paid by transmitting, and pays the electronic money to a payee. 6. The center database provided in the center further stores system account information including cash account information and electronic money account information for a plurality of types of electronic money. On request
Means for reducing the amount indicated by the corresponding user's cash account information by the amount of payment, and electronic money for the amount of payment from the electronic money account information to be paid out of multiple types of electronic money account information in the system account information The payment system according to claim 5, further comprising: means for taking out and transmitting to a predetermined payee. 7. A center having an account database for storing user account information including cash account information of each user and electronic money account information for a plurality of types of electronic money, and a transaction terminal connected to the center by communication. An electronic money transaction method in a system comprising: when the center receives a predetermined cash deposit request or cash withdrawal request from a transaction terminal, the user account information stored in the account database A cash deposit / withdrawal step of updating the cash account information of a predetermined user in accordance with the deposit amount or withdrawal amount; and when the center receives a predetermined electronic money deposit request or electronic money withdrawal request from the transaction terminal. In the user account information stored in the account database, out of a plurality of types of electronic money account information of a predetermined user, Or an electronic money depositing / withdrawing step of updating the electronic money account information to be withdrawn according to the deposit amount or the withdrawal amount, and when the center receives a predetermined electronic money account transfer request from the transaction terminal, Among the plurality of types of electronic money account information of a predetermined user in the user account information stored in the account database, the electronic money account information for updating the source and destination electronic money account information according to the transfer amount A moving step, when the center receives a predetermined electronic money purchase request from the transaction terminal, the user account information stored in the account database, a predetermined user, cash account information, An electronic money purchase step of updating the electronic money account information to be purchased among the types of electronic money account information in accordance with the purchase amount; and When an electronic money cashing request is received from the transaction terminal, the user account information stored in the account database, a predetermined user, a plurality of types of electronic money account information of a plurality of types of electronic money account information. An electronic money cashing step of updating the money account information and the cash account information according to the cashing request amount; and, when the center receives a predetermined electronic money settlement acting request from the transaction terminal, An electronic device that updates cash account information of a predetermined user in the user account information stored in the database in accordance with the payment amount and transmits electronic money of a payment target type corresponding to the payment amount to a predetermined payee. An electronic money transaction method, comprising: a money settlement acting step. 8. The electronic money transaction method according to claim 1, wherein when the center receives a predetermined cashing request from the transaction terminal, the user account information of the user account stored in the account database, The method further includes a cashing step of updating the electronic money account information to be cashed out of the plurality of types of electronic money account information and the cash account information according to the cashing request amount and a predetermined conversion rate. The electronic money transaction method according to claim 7, wherein: 9. An electronic money transaction method in a system comprising: a center having an account database for storing cash account information of each user; and a payment terminal connected to the center by communication, wherein the center has a predetermined number. When the payment request is received from the payment terminal, the cash account information of the predetermined user stored in the account database is updated according to the payment amount, and the electronic money of the payment target type corresponding to the payment amount is updated. An electronic money transaction method, comprising: a payment step of transmitting a payment to a predetermined payee.