JP2002007924A - Electronic value control system, card terminal device and host device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To minimize the labor of loading the electronic value of an IC card by automatically loading the electronic value at every settlement of a debit or credit. SOLUTION: An instant payment card terminal device 200 performs a price settlement of subtracting the price for a commodity purchase or service from the money value of a card owner on a host device 400 on the basis of the information of the card owner read from the IC card 100. The host device 400 judges whether the electronic value possessed by the IC card is less than a preliminarily regulated amount or less, notifies the card terminal device 200 of the deficiency when the electronic value is less than the amount, and the card terminal. device 200 instructs the addition of the electronic value to the IC card 100 so that the electronic value is equal to the preliminarily regulated amount, and also instructs the subtraction of the money value corresponding to the amount from the money value of the card owner on the host computer 400.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic value management system, and more particularly to an electronic value management system, a card terminal device, and a host device for performing settlement of transactions and payment of fees in combination with an IC card.

[0002]

2. Description of the Related Art In recent years, electronic money information (described as electronic value) recorded on a medium such as an IC card, not actual money, is used in the same manner as actual money, and cashless trading is involved. A payment system has begun to be put to practical use.

As a management system using electronic value, there is a system described in Japanese Patent Application Laid-Open No. 9-44576.

[0004] As a similar cashless system, there are systems called credit and debit.

[0005] Trading by credit involves online information exchange for executing a transaction with reference to credit information of the cardholder.

[0006] Trading by debit involves online information exchange for executing a transaction with reference to the information of the bank account balance of the cardholder.

[0007] On the other hand, in the buying and selling by the electronic value management system, the shop is bought and sold by deducting the electronic value stored in the customer card by the terminal on the store side. The electronic value deducted by the store can be handled in the same way as actual money by settingtle it later at a bank or the like.

[0008] In the transaction using electronic value, there is no need to refer to the credit information of the cardholder or the information on the balance of the bank account. Therefore, the procedure is fast. The communication cost is not required (in individual transactions). It is unnecessary and has the merit of saving time and risk when handling cash, and it is widely used in combination with vending machines and self-service systems where conventional credit and debit were difficult to apply. Is expected.

[0009]

As described above, the electronic value management system has advantages for both the user and the store side. However, in order to use the electronic value, the user needs to store the electronic value (electronic value) on his / her card in advance. Amount information)
It is necessary to put in. This putting action is called loading of electronic value.

The electronic value management system does not refer to credit information at the time of settlement, so it is difficult to prohibit or restrict the use of a stolen card. The upper limit of the amount that can be loaded into is set low. Therefore, when the electronic value is frequently used, the electronic value must be frequently loaded.

However, the problem here is the trouble of loading the electronic value. In the conventional electronic value management system, the user loads the electronic value to a bank or a place where a dedicated terminal device is installed, and purchases the value of the amount deemed necessary.

[0012] Since this dedicated terminal device is a device for converting cash into an electronic value, security is required at an installation place, and the terminal itself is expensive.

[0013] For this reason, there are many places where electronic value cannot be loaded around an environment where a vending machine or a self-service system, which is the most advantageous in using electronic money, is used.

As a result, there is a problem that even if a user who wants to receive goods and services with electronic money notices a shortage of electronic value in the card, he / she cannot follow it.

As a countermeasure against this, Japanese Patent Application Laid-Open No. 9-44
In the system disclosed in Japanese Patent No. 576, when the shortage of electronic value occurs, the temporary lending of the value is performed, and the repayment of the loan is performed until the next transaction with the electronic money. You can buy and sell. However, even in this system, the card user must use a load-only terminal device for loading and repayment of the loan.

As another countermeasure, an apparatus for loading electronic value while staying at home using a communication line has been developed and has already been implemented in the world.
However, even if such a device is used, the number of times that the user performs conscious loading has not been reduced.

An object of the present invention is to automatically load the electronic value of an IC card each time a debit or credit is settled, thereby reducing the time and effort required to load the electronic value, and a card terminal device. And a host device.

[0018]

According to the present invention, an electronic value interchangeable with cash is stored in an IC card by an electronic payment procedure equivalent to cash payment, and the value is used in a card terminal device as a price for goods purchases and services. In an electronic value management system for deducting an electronic value corresponding to the consideration from the IC card and performing settlement of the consideration to a product or service provider based on the information obtained by the subtraction, depositing, withdrawing, and immediately Said I having information of a cardholder for making a payment
A C-card, a host device that manages the value of money deposited by the card holder under contract and performs electronic payment, and is connected to the host device through communication, and reads from the IC card a price for product purchase or service. An instant payment card terminal device that performs payment of a value to be deducted from the cardholder's monetary value on the host device based on the information of the card owner, and the host device or the instant payment card terminal device, After the settlement of the consideration, it is determined whether the electronic value held by the IC card is less than a predetermined amount, and if the electronic value is less than a predetermined amount, the determination is performed by the host device. The shortage card terminal device is notified of the shortage amount, and the instant payment card terminal device converts the electronic value to an electronic value equal to a predetermined amount. Electronic money management, wherein the IC card is instructed to add an electronic value to the IC card so as to deduct a monetary value corresponding to the amount from the monetary value of the cardholder on the host device. System.

Further, the present invention is used for payment of a transportation fee, and the instant settlement card terminal device further includes a settlement device for performing payment using the electronic value based on the transportation information. Means for instructing the host device to settle the shortage if the settlement of the usage fee is not completed with the electronic value in the IC card, and thereafter, the host device or the immediate settlement The card terminal device determines whether the electronic value held by the IC card is less than a predetermined amount,
If the determination is made by the host device when the amount is less than a predetermined amount, the shortage card terminal device is notified of the shortage amount, and the instant payment card terminal device determines that the electronic money is equal to the predetermined amount. An electronic device comprising: instructing the IC card to add an electronic value so as to obtain a value; and instructing the IC card to deduct a monetary value corresponding to the amount from a monetary value of a card holder on the host device. It is a value management system.

Further, the present invention is characterized in that the host device does not add the electronic value to the IC card when the money value deposited by the card holder is less than a preset amount. Is an electronic value management system.

Further, according to the present invention, when the monetary value deposited by the card holder is less than a preset amount, the host device may further include an electronic value in the IC card corresponding to a difference from the preset amount. Is subtracted, and an amount equivalent to the subtracted amount is added to the money value deposited by the cardholder.

Further, according to the present invention, a price for deducting a price for a product purchase or a service from a monetary value of the card holder on a host device connected by communication based on information of the card holder read from the IC card. After the settlement of the consideration, the electronic value held by the IC card is less than a predetermined amount, and the deficit amount is set to an electronic value equal to the predetermined amount. An instant settlement card terminal device for instructing the IC card to add a value so as to add a value.

Further, the present invention manages the value of money deposited by a cardholder under a contract, and the instant payment card terminal device reads the price for merchandise purchases and services from the cardholder's information read from the IC card. Based on this, when performing the settlement of the consideration, the settlement of the consideration to be subtracted from the monetary value is performed, and after the settlement of the consideration, it is determined whether the electronic value held by the IC card is less than a predetermined amount. If the amount is less than a prescribed amount, the shortage card terminal device is notified of the shortage amount, and the immediate settlement card terminal device adds the electronic value so that the electronic value becomes equal to the predetermined amount. The IC
A host device which receives a notification of a monetary value corresponding to the amount after instructing a card, and deducts the monetary value from the monetary value of the card holder.

Further, the present invention further comprises a settlement means for settling the use fee using an electronic value based on the use information of transportation means, wherein the settlement means uses the electronic value in the IC card for the use. An instant settlement card terminal device comprising: instructing the host device to settle a deficient amount when the settlement of a fee is not completed; and then instructing settlement of the consideration and addition of the charge. .

According to the present invention, an electronic value which can be exchanged with cash by an electronic settlement procedure equivalent to cash settlement is stored in an IC card, and as a price for a product purchase or a service, the card terminal device converts the electronic value to the price. In an electronic value management system for deducting the corresponding electronic value from the IC card and performing settlement of the consideration to a product or service provider based on the information obtained by the subtraction, information of a card holder for performing credit settlement Said IC card, a host device for performing electronic settlement of credit and debt processing based on credit information of the card owner, and a communication device connected to said host device, and paying for goods purchases and services. Settlement of consideration by credit based on the information of the card holder read from the IC card A credit card terminal device, wherein the host device or the credit card terminal device performs the settlement of the consideration, and then determines whether the electronic value held by the IC card is less than a predetermined amount. If the amount is less than a prescribed amount and the determination is made by the host device, the credit settlement card terminal device is notified of the shortage amount, and the credit value is equal to a prescribed amount. The IC to add the electronic value so that
An electronic value management system, wherein the electronic value management system instructs a card and adds a debt corresponding to the amount to a debt of a card owner on the host device.

Further, according to the present invention, based on the information of the card holder read from the IC card, the price for the purchase of goods and services is settled by credit, and after the price is settled, When the electronic value held by the IC card is less than a predetermined amount, the shortage amount is instructed to the IC card to add the electronic value so that the electronic value becomes equal to the predetermined amount. Credit card terminal device.

[0027]

FIG. 1 is a diagram showing a configuration of a first embodiment of an electronic value management system according to the present invention.
In the present embodiment, a cash accounting apparatus and an immediate settlement card terminal apparatus are used.

The electronic value management system manages an IC card 100 having an electronic value function and a debit function, an immediate payment card terminal device 200 for performing payment for a service to a user, and managing payment of money accompanying provision of goods and services. And a host device 400 for managing user's deposit information and the like. Although not shown, there are a plurality of instant settlement card terminal devices 200, which are connected to one host device 400. In implementing the present invention, the host device 4
00, any number of instant payment card terminal devices 200 may be used.

First, the hardware configuration of the instant payment card terminal device 200 will be described. Instant payment card terminal device 2
00 is the CPU 201, the memory 203, the display device 20
9, a keyboard 205, a card reader 207, a CR communication control device 211, and a host communication control device 213.
The CPU 201 controls each device in the terminal device 200,
The processing is executed based on a program describing the processing procedure. The program is stored in the memory 203. The memory 203 stores, in addition to programs, data necessary for processing, execution results, and the like.

The display device 209 can display characters and figures. The keyboard 205 detects a key pressed by the user and returns the information. The card reader 207 is an IC
A communication function with the card 100 is provided, and information can be exchanged with the card 100 by performing communication according to a predetermined protocol. The CR communication control device 211 realizes communication with the cash accounting apparatus 300. The host communication control device 213 implements communication with the host device 400. Each device and the CPU 201 are connected by a bus 219, and the CPU 201
Each process is executed under the control of “01”.

The cash accounting apparatus 300 manages cash accounting, and under the control of a CPU 301 built in the apparatus 300,
From the communication control device 303 to the immediate settlement card terminal device 200
, And instructs the CR communication control device 211 to pay the card. It should be noted that parts not related to communication with the immediate settlement card terminal device 200 are not shown.

Next, the hardware configuration of the host device 400 will be described. The host device 400 is a device that manages the amount of money deposited based on a contract from a customer. A group of data for managing the amount is called an account, and each contract is distinguished by an account number assigned to the account. The customer specifies an account number when instructing an account to deposit or withdraw.

The host device 400 comprises a CPU 401, a storage device 405, and a communication control device 403. Storage device 4
05 holds information relating to a user's transaction and the above-mentioned account information, and updates the information according to an instruction of the CPU 401;
Read is performed. The communication control device 403 realizes communication with the card terminal device 200.

FIG. 2 is a diagram showing the appearance of the IC card 100 of FIG. 1 and data held by the IC card 100.

The IC card 100 has a built-in IC chip in a plastic card. The card surface has a contact for communicating with the IC. The IC chip inside the IC card has a CPU 101 for performing calculations, a card I / F 107 for communicating with the outside, and a memory 103 for recording information.

The memory 103 has a card AP management program 2001, a bank service program 2003, and an electronic value control program 2011. The card AP management program 2001 has a card AP management program 2001, a bank service program 2003, card AP management information 2002 for referring to the electronic value control program 2011, and card authentication data 2020.

The bank service program 2003 has name information 2005, financial institution identification information 2007, and account number 2009 as processing data. The electronic value control program 2011 has a value balance 2013 as processing data.

To access these programs and data, the commands shown in FIG. 5 are used. This will be described later.

FIG. 3 shows the instant payment card terminal device 2 of FIG.
FIG. 2 is a diagram illustrating an external appearance of hardware 00. FIG. 3 is a plan view of the keyboard 205 as viewed from one side. The keyboard 205 is disposed below the center of the main body, the display device 209 is disposed above the keyboard 205, and the card reader 207 is disposed further above. The message for the user can be displayed on the display device 209. The keyboard 205 has numbers from 0 to 9, function keys F1 to F6, an OK key, a cancel (C) key, and a clear (CL) key. The function keys are
Used in combination with the display on the display device 209 to select a menu.

FIG. 4 is a diagram showing customer management data 407 for each customer stored in the storage device 405 of the host device 400 in FIG. The customer management data 407 includes an account number 4001, a password number 4003, a load upper limit amount 400
4, the balance lower limit amount 4005, the account balance amount 4007, and the temporary deduction amount 4009.

Of these, an account number 4001, a password number 4003, a load upper limit amount 4004, and a balance lower limit amount 4
For four of 005, fixed values are set at the time of card issuance. The account balance 4007 and the temporary deduction amount 4009 are
It changes according to the settlement situation.

The flow of software for controlling the above-described electronic value management system will be described in detail below. First, the control of each device will be described, and then the coordination thereof will be described.

The IC card 100 performs processing based on a command from the immediate settlement card terminal device 200, and returns the result as a return value.

FIG. 5 is a diagram showing commands issued from the immediate settlement card terminal device 200 in FIG. 5A to the IC card 100 and return values for each command in FIG. 5B.

The commands include an authenticity confirmation command 5001 for acquiring data for confirming the authenticity of the card,
There are four commands: a card information acquisition command 5003 for acquiring card information such as an account number, a value balance acquisition command 5005 for returning the balance of electronic value in the card, and a value change command 5007 for increasing or decreasing the electronic value.

For the authenticity confirmation command 5001,
The IC card 100 stores the card authentication data 5009 (FIG. 2).
2020) is returned. Card information acquisition command 5003
, The IC card 100 returns the cardholder name, financial institution identification information, and account number 5011 (cardholder name information 2005, financial institution identification information 2007, account number 2009 in FIG. 2).

In response to the value balance acquisition command 5005, the IC card 100 causes the value balance 5013 (FIG. 2).
2013) is returned. In response to the value change command 5007, the IC card 100 changes the electronic value based on the parameters, and the resulting value balance 5015
(2013 in FIG. 2) is returned.

The instant payment card terminal device 200 performs processing based on a command from the cash accounting apparatus 300,
The result is returned as a return value.

FIG. 6 shows commands from the cash accounting apparatus 300 relating to the debit sales shown in FIG.
FIG. 13B is a diagram illustrating a return value for the command in FIG.

In the case of performing sales by debit, the cash accounting apparatus 300 sends a debit sales command 6001 to the immediate settlement card terminal apparatus 200. At this time, the cash accounting apparatus 300 can specify, by a parameter, whether to automatically load the electronic value. On the other hand, the immediate settlement card terminal device 200 performs settlement by debit and returns a settlement result 6003. When automatic loading is performed, the load amount is returned at the same time.

Regarding the selection of whether or not to automatically load in the cash accounting apparatus 300, in the present embodiment, "automatic loading" is always designated in the cash accounting apparatus 300, but the customer's will is confirmed. It is also possible to switch between them.

FIG. 7 shows the immediate settlement card terminal device 2 of FIG.
It is a figure which shows the program main flow of 00.

The main program of the instant payment card terminal device 200 is stored in the memory 203 of FIG.
01 reads and executes this. When execution is started, in step S601, the memory 203 and the keyboard 2 shown in FIG.
An initialization process for initializing devices inside the device 200 such as the device 05 is performed, and in step S603, the cash accounting apparatus 3 shown in FIG.
The job selection command from 00 is received. The processes that can be selected are debit sales processing S605, debit cancellation processing S607, totalization processing S609, and electronic money sales processing S6.
It is 11. After each process, the process returns to the task selection step S603.

Hereinafter, the flow of the automatic loading process in the debit sales process S605 which is a feature of the present invention will be described in detail.

The debit sales processing S605 is started when the debit sales command 6001 in FIG. 6 is received in the job selection step S603 in FIG. Debit sales processing S
Reference numeral 605 denotes the IC card 100 of FIG.
The process is executed in cooperation with 00. IC card 100
Are as shown in FIG.

FIG. 8 is a diagram showing a command from the immediate settlement card terminal device 200 shown in FIG. 8A to the host device 400 and a return value corresponding to the command shown in FIG. 8B.

As shown in FIG. 8, the immediate settlement card terminal device 2
00 is a debit settlement command 8001 for requesting the host device 400 to approve the debit transaction, and a load amount calculation command 800 for calculating the amount for automatic loading.
3. Electronic value purchase temporary deduction command 8005 for temporarily deducting the purchase amount from the account during electronic value update, electronic value deduction confirmation command for confirming the update of the electronic value, and settingtle the temporarily deducted amount as consideration for the electronic value. There are four commands 8007.

The return value for each command is as follows. In response to the debit payment command 8001, the host device returns the payment approval / disapproval 8009. For the load amount calculation command 8003, the load amount 801 to be loaded
Returns 1. In response to the electronic value purchase temporary deduction command 8005, whether or not the temporary deduction was possible 8013 is returned. In response to the electronic value deduction confirmation command 8007, whether or not it has been confirmed is returned as 8015.

FIG. 9 shows the debit sales processing S605 of FIG.
It is a figure which shows the flow of. Debit sales processing S605
First, in step S901, a menu for prompting card insertion is displayed, and the IC card 100 is accepted. After accepting the IC card 100, in step S902 the IC card 10
5A is issued to the card authentication data 500 shown in FIG. 5A, and the return value of the card authentication data 50 shown in FIG.
It is confirmed whether the IC card 100 has been officially issued by using 09.

Next, in step S903, the IC card 1
5A, the card information acquisition command 5003 shown in FIG. 5A is issued, and 5011 in FIG. 5B, that is, the card ownership name information 2005, the financial institution identification information 2007, and the account number 2009 in FIG.

Then, based on the card information and the customer's purchase price included in the parameters of the debit sale command 6001 which is the command that started the debit sale process S605, the sales process is performed by the host device 400 in step S905. Make a transaction approval request. Step S9
At step 05, the customer inputs a password using the keyboard 205, and the host device 400 specified by the financial institution identification information 2007 sends the password and the customer purchase amount,
A debit transaction approval command 8001 is sent using the account number 2009 as a parameter.

In step S 907, it is confirmed whether or not the transaction is approved. If the transaction is approved, in step S 909, the electronic value is determined based on the parameters of the debit sales command 6001 which is the command that started S 605. Determine whether to load. And
When loading, in step S911, the IC card 1
Issue a command 5005 to the value balance 201
In step S913, a load amount calculation command 8003 is issued to the host device 400 using the balance 2013 and the customer's account number as parameters to request the load amount calculation, and the load amount 8011 returned as a result is obtained. In step S915, a load process for loading a value is performed.

FIG. 10 is a diagram showing the flow of the loading process S915 in FIG.

When the loading process S915 is activated, in step S1001, the host device 400 is provisionally provided with a load amount 8011 (hereinafter referred to as amount V) also designated by the parameter from the account of the account number designated by the parameter. An electronic value purchase temporary deduction command 8005 for instructing deduction is issued. The amount set in the temporary deduction is held in the temporary deduction amount memory 4009 of FIG. 4 of the host device 400 until it is deducted in the deduction confirmation process described later. The result is checked in the next step S1003, and if the temporary deduction is OK, the IC card 100 is checked in step S1005.
, A value change command 5007 is issued, and the value of the amount V is added. Followed by step S
In step 1007, an electronic value deduction confirmation message 8007 is issued to the host device 400 to notify the host apparatus 400 of the deduction confirmation. The result is determined in step S1009. If the result is OK, in step S1015, the load processing S915 is terminated with the amount V as a return value.

If the electronic value deduction determination in step S1007 is not completed normally, step S1009
From step S1011 to step S1005.
Perform the process of subtracting the value change made in step 2 and undoing it.
In step S1013, the amount V is set to 0, and
At 1015, the load processing S9 is performed by using the amount V as a return value.
15 is ended.

If the determination in step S1003 is not OK, the flow shifts to step S1013 at that time to set the amount V to 0, and in step S1015, the amount V
Is returned as the return value, and the loading process S915 ends.

FIG. 11 is a diagram showing a main flow of the host device 400 of FIG. After the initialization process at the time of startup in step S1101, the host device 400 executes step S1.
At 103, the terminal waits for a terminal command from the immediate settlement card terminal device 200. Upon receiving the terminal command, in the next processing selection step S1105, the processing subprograms S1107 to S1113 for each command are selected, and after the processing is completed, the process returns to the terminal command receiving step S1103.

The processing subprogram for each command includes debit transaction approval processing S1107, load amount calculation processing S1
109, electronic value purchase provisional deduction processing S1111 and electronic value deduction confirmation processing S1113.

The debit transaction approval processing S1107 determines whether or not the designated amount can be moved from the account with the designated account number to the store account, and if possible, moves the amount.
The load amount calculation processing S1109 is performed in a manner that the account balance 4007 managed by the host does not fall below the predetermined balance lower limit amount 4005 and also changes the value balance in the card to the preset upper limit value 4004, (This is the value of the electronic value to be loaded) is calculated.

FIG. 12 shows the load amount calculation processing S1 of FIG.
FIG. 109 is a diagram showing a flow of 109.

In the load amount calculation process S1109, first, in step S1201, an account balance 4007, a balance lower limit amount 4005, and a load upper limit amount 4004 are acquired based on the account number 4001 in FIG. 4, and then, in step S1203, the account balance It is checked whether or not 4007 is higher than the lower balance limit 4005. If it is not higher, the process moves to step S1209,
The automatic load amount TV is set to 0, and the TV is set as the processing return value in step S1215, and the load amount calculation processing S110
9 is ended.

If the account balance 4007 is higher than the balance lower limit 4005 as a result of the determination in step S1203, the instant payment card terminal device 20 is determined in step S1205.
It is checked whether the value balance 2013 notified from 0 is less than the value of the load upper limit amount 4004. Load upper limit 40
If not less than 04, the process moves to step S1209,
The automatic load amount TV is set to 0, and the TV is set as the processing return value in step S1215, and the load amount calculation processing S110
9 is ended.

As a result of the determination in step S1205, if the value balance 2013 is less than the value of the load upper limit amount 4004, the following processing is performed.

First, in step S1207, the automatic load amount TV is calculated based on the current account balance 4007 and the balance lower limit amount 40.
Set to the amount minus 05. Next, step S12
In step 11, it is checked whether the amount obtained by adding the value balance to the TV exceeds the load upper limit amount 4004. If not, the TV is set as the processing return value in step S1215, and the load amount calculation process S1109 is performed. finish.

In step S1213, in step S1213, the value obtained by adding the value balance to the TV is not exceeded when the value exceeds the load upper limit amount 4004.
From the reload upper limit amount 4004 to the value balance 20
In step S1215, the value is set as the processing return value, and the load amount calculation processing S1109 is performed.
To end.

FIG. 13 is a diagram showing the flow of the electronic value purchase temporary deduction processing S1111 of FIG.

Temporary deduction processing for electronic value purchase S1111
First, in step S1301, the temporary deduction amount V passed as a parameter from the account balance 4007 is reduced. Next, in step S1303, it is determined whether or not the processing has been completed normally. If the processing has been completed normally, in step S1305, the temporary deduction amount V is stored in the temporary deduction amount memory 4009 in the storage device 407 of the host device. In step S1307, the return value of this process is set to temporary deduction OK, and the electronic value purchase temporary deduction process S1111 is terminated. Step S1303
If it is determined that the step S1301 has not been completed normally, the process shifts to the step S1309 to set the return value of this process to “temporary deduction NG” and terminate the electronic value purchase temporary deduction process S1111. I do.

FIG. 14 is a diagram showing a flow of the electronic value deduction confirmation processing S1113 of FIG.

In the electronic value deduction confirmation processing S1113, first, in step S1401, the temporary deduction amount memory 4009 of the account having the same account number 4001 as specified by the parameter is deleted. Next, in step S1403, it is determined whether the above erasure has been completed normally. If the erasure has been completed normally, in step S1405, the return value is set to deduction confirmation OK, and the electronic value deduction confirmation processing S111
3 is ended.

On the other hand, if it is determined in step S1401 that there is no data to be erased or that erasure has not been performed, the flow shifts from step S1403 to step S1407, where the return value is set to deduction confirmation NG, and the electronic value deduction confirmation processing is performed. S1113 ends.

The above has described the processes of the IC card 100, the immediate settlement card terminal device 200, the cash accounting apparatus 300, and the host device 400 in FIG. Next, how each process works in cooperation will be described.

FIG. 15 is a diagram showing an embodiment in which the IC card 100, the immediate settlement card terminal device 200, the cash accounting apparatus 300, and the host device 400 in FIG. 1 are linked.

In FIG. 15, a vertical line indicates a time axis, and a horizontal line indicates a command (partial operation) between the devices. A rectangle on the time axis indicates main processing. FIG.
7 shows an embodiment of the coordination of each processing when the automatic loading is normally performed after the debit sales processing of FIGS. 7 and 9.

First, a debit sales command 6001 is sent from the cash accounting apparatus 300 to the immediate settlement card terminal apparatus 2.
When issued at 00, the debit sales process S605 is started in the procedure shown in FIG.

In the debit sales process S605, a display prompting insertion of the IC card 100 is performed (S901). When the IC card 100 is inserted, an authenticity confirmation command 5001 is issued to the card, and the IC card 100 verifies the authenticity using the return value 5009 (S90).
2). After confirming that the card is a genuine card, the debit sales processing S605 sends the card information acquisition command 5003 to the I
Issued to C card 100 and returned card information 50
Eleven account numbers 2009 and the like are acquired, and sales processing is executed (S905).

In the sales processing S905, the host device 400
Issue a debit payment command 8001 and acquire a payment result 8009 as a return value.

Thereafter, the debit sales process S605 determines whether or not to perform automatic value loading (S90).
9). In the present embodiment, as described above, the cash accounting apparatus 3
00 sets parameters so that automatic value loading is always performed (see the description of FIG. 6). Therefore, the process enters an automatic loading process, issues a value balance acquisition command 5005 to the IC card 100, and acquires the value balance 5013 in the IC card 100. Using the value balance and the account number 2009 obtained in the above procedure as parameters, the instant payment card terminal device 200
A load amount calculation command 8003 is issued to the host device 400.

The host device 400 executes load amount calculation processing for the load amount calculation command 8003 (S1109), and executes the account number 20 specified by the parameter.
09, the balance 4007 of the account in the storage device 407
Is checked, and the amount is set to a predetermined lower limit of 400.
5 and the load value TV for the value of the IC card 100 to become the maximum value not exceeding the load upper limit value 4004, and the load value TV notification 801 is returned as a return value.
Returns 1.

The instant payment card terminal device 200 performs loading processing of the amount given by the return value (S915).
First, the host device 400 issues a temporary deduction command 8 for electronic value purchase for temporarily deducting the load amount TV from the designated account.
005, and the host device 400 issues
The temporary deduction processing of the designated amount is executed according to the procedure of S9 (S1).
11), a temporary deduction result notification 8013 is returned as the return value.

Next, in a load process S915, a value change command 5007 for issuing a value addition of the amount TV is issued to the IC card 100, and the process ends normally from the changed balance 5015 returned by the return value from the IC card 100. After confirming this, the host apparatus 400 issues an electronic value deduction amount determination command 8007 for determining the deduction of the amount TV temporarily deducted by the host apparatus 400 to the host apparatus 400, and the host apparatus 400 executes the deduction confirmation processing (S111).
3).

The immediate settlement card terminal device 200 confirms that the processing has been normally completed by the confirmation result notification 8015 as the return value (S1009), and the immediate settlement card terminal device 200 sends the debit The sales result and the automatic load amount TV command 6003 are issued, and the series of processing ends.

According to the present embodiment, every time a debit payment is made, the value is automatically loaded into the IC card from the account balance that can be used by the IC card owner for the payment.

In this embodiment, when the account balance of the customer is less than the lower limit of the balance, the automatic loading is not simply performed, but when the electronic value balance in the IC card 100 is sufficient, the electronic value is not changed. , And an equivalent amount can be added to the customer account.

In that case, the processing flow is changed as follows.

First, the host device 400 described with reference to FIG.
Step S1 in the load amount calculation processing S1109 of
At 203, the account balance 4007 is
If the value is less than the value, the process in which the load amount TV is set to 0 is changed to the calculation process in step S1207 in step S1209. In addition, in the loading process S915 described with reference to FIG. 10, before executing step S1001, it is determined whether the sum of the balance of the electronic value and the loading amount is 0 or more, and if it is 0 or more, step S1000 for executing step S1001 and subsequent steps is executed. ,to add.

Thus, the load processing S915 of the debit sales processing S605 receives a negative load amount. Since the processing in step S915 is purely addition and subtraction, the addition to the customer account and the subtraction of the electronic value are performed for the negative load amount.

In step S1000, since the load processing is not performed when the subtraction of the electronic value results in a negative balance, the electronic value does not become negative.

With the above change, it is possible to provide a function for eliminating the imbalance that the electronic value is sufficient but the account balance is small.

FIG. 16 is a diagram showing a configuration of an electronic value management system according to a second embodiment of the present invention. In the present embodiment, a fare settlement device and an immediate settlement card settlement terminal device are used. FIG. 16 shows a system (so-called stored fair system) in which the electronic value in the IC card is used to pay the fare for transportation, and loads the value when the fare is settled.

The electronic value management system includes an electronic value function, a debit function, a ticket-combined IC card 16005 having information on boarding and dismounting, and an immediate settlement card settlement terminal device for performing settlement at the time of fare settlement based on the boarding and disembarking information. 16001, a fare settlement device 16010 for calculating a fare to be settled from the information of getting on and off, and a host device 400 for managing user's deposit information and the like.
Although not shown, there are a plurality of instant settlement card settlement terminal devices 16001, which are connected to one host device 400. In implementing the present invention, any number of instant settlement card settlement terminal devices 16001 and fare settlement devices 16010 may be used.

The hardware configuration and functions of the immediate settlement card settlement terminal 16001 are basically the same as the hardware configuration and functions of the immediate settlement card terminal 200 described in the first embodiment of FIG.

The fare settlement device 16010 includes a communication control device 16015 and an immediate settlement card settlement terminal device 1600.
1 to obtain the information of the boarding / disembarking recorded on the ticket / IC card 16005, calculate the amount to be settled, and instruct the immediate settlement card settlement terminal 16001 to debit the amount. Note that parts not related to communication with the immediate settlement card settlement terminal device 16001 are not shown.

The hardware configuration of the host device 400 is the same as that of the host device 400 shown in the first embodiment of FIG.

FIG. 17 shows the IC card 16005 of FIG.
FIG. 3 is a diagram illustrating an appearance of the IC card and data held by the IC card 16005.

The boarding / ticketing IC card 16005 is a boarding / alighting information control program 17001 that stores the date and time and place where the boarding / alighting was performed on the IC card 100 of the embodiment of FIGS. Has been added.

FIG. 18 is a diagram showing commands issued from the immediate settlement card clearing terminal 16001 of FIG. 18A to the IC card 16005, and return values for each command of FIG. 18B.

The immediate settlement card clearing terminal 16001 adds a boarding / disembarking information command 18809 to the ticket / IC card 16005 and 18019 as a return value thereof.

Instant payment card settlement terminal 16001
Performs processing based on a command from the fare adjustment device 16010, and returns the result as a return value.

FIG. 19 shows the fare settlement apparatus 1 shown in FIG.
FIG. 20 is a diagram showing commands from 6010 to the immediate settlement card clearing apparatus 16001 and return values corresponding to the commands in FIG. 19B.

As shown in FIG. 19, the fare settlement device 16010
Has a get-off / get-off information acquisition command 19001 and a settlement amount settlement command 19003 for the immediate settlement card settlement device 16001. The immediate settlement card clearing apparatus 16001 returns the boarding / disembarking information 19005 in response to the boarding / disembarking information acquisition command 19001 as a return value.
return it. For the settlement amount settlement command 19003,
The settlement result 19007 is returned.

FIG. 20 shows an IC card 16005 that is also used for a ticket.
It is a figure which shows the flow of fare settlement S20000 with respect to. In the fare settlement process S20000, first, in step S20
In step 001, a get-off / get-off information acquisition command 19001 is issued to the immediate settlement card settlement terminal 16001, and the get-off / get off information 19005 is obtained from the return value.
03, the settlement amount determined from the information and the settlement place is calculated, and in step S20005, the settlement amount settlement command 1900 for settlement of the settlement amount from the value in the card or the like.
7 is issued to the card settlement terminal 16001, and the fare settlement process ends.

FIG. 21 is a diagram showing a program main flow of the immediate settlement card settlement terminal apparatus 16001 of FIG.

When execution is started, step S21001
In step S2100, an initialization process for initializing devices inside the device 16001 such as a memory and a keyboard is performed.
At 3, a process selection command from the fare adjustment device 16010 is accepted. The processes that can be selected are a boarding / disembarking information acquisition process S21005 and a settlement amount settlement process S21007. After each processing, processing selection step S210
Return to 03.

In the step S21005 for getting on / off information,
It issues a boarding / disembarking information acquisition command 18009 to the ticket / IC card 16005, acquires boarding / disembarking information from the return value 18019, and stores the information in the fare settlement device 160.
10 as a command response 19005.

FIG. 22 shows the settlement amount settlement process S2 in FIG.
FIG. 10 is a diagram showing the flow of 1007.

In the settlement amount settlement process S21007, first, in step S22001, the ticket / IC card 1600 is used.
From the electronic value of 5, the settlement amount is reduced from the value balance. Specifically, a value change command 18007 for reducing the smaller of the settlement amount and the electronic value balance 2013 of the ticket / IC card 16005 from the electronic value balance 2013 of the ticket / IC card 16005 is used. Issue and perform. Step S2200
It is determined whether or not the settlement has been completed in step S3. If the settlement has been completed, the processing return value 19007 to the fare settlement apparatus 16010 is set to the settlement completed in step S22019, and the settlement amount settlement process S21007 ends.

If it is determined in step S22003 that the electronic value balance 2013 is equal to or less than the settlement amount and the settlement amount is insufficient, the process shifts to a series of processes from step S22005 to perform online settlement. First, step S22
In step 005, an authenticity check command 18001 is issued to the IC card 16005, and it is checked whether the IC card has been officially issued by using the returned card authentication data.

Next, in step S22007, a card information acquisition command 18003 is issued to the IC card 16005, and the card ownership name information 2005, the financial institution identification information 2007, and the account number 2009 are read.

Then, the respective card information and step S
The remaining settlement amount determined in step 22003 is calculated in step S
In step 22009, the host device 400 is requested to approve the transaction for the shortage settlement process. In step S22009, the customer inputs a password through the keyboard, and the host device 400 specified by the financial institution identification information 2007 sends the password, the remaining settlement amount, and the account number 2 to the host device 400.
Debit transaction approval command 8 with 009 as a parameter
001 (see FIG. 8).

Then, it is checked in step S22011 whether or not the transaction concerned has been approved.
The following processing is performed.

First, in step S22013, the value balance is set to 0, and in step S22015, the load amount calculation processing command 8003 (see FIG. 8) is transmitted to the host device 4.
00 to request a calculation of the load amount. Based on the result, a load process is performed in step S22017.
This loading process is the same as the procedure shown in the first embodiment of FIG. Then, in step S22019,
The processing return value 19007 to the fare adjustment device 16010 is set to “payment complete”, and the settlement amount settlement processing S21007
To end.

On the other hand, if the settlement in the shortage settlement process S22011 is not approved in step S22011, the flow shifts to step S22021, where the fare settlement device 16
The processing return value 19007 to “010” is set to “payment not completed”, and the settlement amount settlement processing S21007 is ended.

The host device 400 used in the above processing
Are the same as those described in the first embodiment.

As described above, the ticket / IC card 16 shown in FIG.
005, each processing of the immediate settlement card settlement terminal device 16001, the fare settlement device 16010, and the host device 400 has been described. How each process works together
Next, a description will be given.

FIG. 23 shows an IC card 16005 and an immediate settlement card settlement terminal 16001 of FIG.
It is a figure showing an embodiment of cooperation of fare adjustment device 16010 and host device 400.

In FIG. 23, a vertical line indicates a time axis, and a horizontal line indicates a command (partial operation) between the devices. A rectangle on the time axis indicates main processing. FIG.
Shows an embodiment of the coordination of the respective processes in the case where the fare settlement with the electronic value is insufficient and the automatic loading is normally performed after the settlement with the debit.

First, the fare settlement device 16010 issues a boarding / disembarking information acquisition command 19001 to the immediate settlement card settlement terminal device 16001. Then, in the immediate settlement card settlement terminal device 16001, the boarding / disembarking information acquisition processing S21005 is started in the procedure shown in FIG. 21, and the boarding / disembarking information acquisition command 18009 is issued to the ticket / IC card 16005, and as a response thereto, The boarding / leaving information 18019 is returned.

In the boarding / disembarking information acquisition processing S21005, the contents are used as the boarding / alighting information 19005 as the fare settlement device 16
Return to 010. Based on the information, the fare settlement device 160
10 calculates the amount to be settled and sends a settlement amount settlement command 190 to the immediate settlement card settlement terminal 16001.
Issue 03.

In response to the settlement amount settlement command 19003,
The immediate settlement card settlement terminal device 16001 executes step S22001 according to the flow shown in FIGS. 21 and 22.
To electronic value settlement.

If the balance of the electronic value is less than the settlement amount, it is determined in the next step S22003 and the settlement is made by online debit, and the flow shifts to step S22005 to confirm the authenticity of the ticket / IC card 16005. A command 18001 is issued, and the return value of the card information authentication data 18011 is used for the ticket / IC card 16.
005, the card information acquisition command 18003 is issued to the ticket / IC card 16005 in step S22007, and the return card information 18013 is returned.
And based on the data, step S220
09, the debit payment command 800 is sent to the host device 400.
1 is issued, the shortage amount is settled in the online settlement, and a settlement result 8009 is obtained as a return value.

In the next step S22011, it is confirmed whether or not settlement has been completed in the steps up to step 22009. Here, it is assumed that the settlement has been completed, and the flow of loading values to the ticket / IC card 16005 will be described below.

When the settlement is completed, the immediate settlement card settlement terminal device 16001 issues a load amount calculation command 8003 to the host device 400 using the account number 2009 acquired in the card information acquisition procedure S2207 as a parameter.

The host device 400 executes the load amount calculation processing S1109 shown in FIG. 12, and calculates the amount TV to be loaded on the ticket / IC card 16005 as in the case of the first embodiment. A load amount TV notification 8011 is returned as a return value.

Instant payment card settlement terminal 16001
Performs load processing S915 of the amount given by the return value. The loading process S915 is performed first by the host device 400
Then, a temporary deduction command 8005 for electronic value purchase for temporarily deducting the load amount TV from the designated account is issued, and the host device 400 executes the load amount calculation processing S1109 to temporarily deduct the designated amount and return a return value. Is returned to the immediate settlement card settlement terminal device 16001.

Next, in the loading process S915, a value change command 18007 for adding the value of the amount TV is issued to the ticket / IC card 16010, and the process ends normally from the changed balance 18017 returned in the return value. , And issues an electronic value deduction confirmation command 8007 for finalizing the deduction of the amount TV temporarily deducted by the host apparatus 400 to the host apparatus 400, and the immediate settlement card clearing terminal apparatus 16001 returns the determination result as the return value. In the notice 8015, it is confirmed that the processing has been normally completed, and the fare adjustment apparatus 1 receives the command return value 19007.
The result of the settlement is returned to 6010, and the series of processing ends.

As described above, according to the second embodiment, when a ticket is settled, it is detected that the electronic value for settlement has been exhausted, and the owner of the ticket-shared IC card performs settlement. At the same time as the balance is settled online from a usable account, the ticket balance IC is used based on the account balance.
The value is automatically loaded to the card.

As described above, in the embodiment of the electronic value management system according to the present invention, every time a debit payment is made, the IC card owner uses the account balance that can be used for the payment.
The value is automatically loaded to the IC card. Therefore, the number of times the user loads values consciously can be reduced, and usability is improved.

Also, by taking advantage of the reduction of the time and effort of loading, by setting the upper limit of the load low, it is possible to reduce the risk of value loss due to theft or card damage.

The communication with the host device for loading is performed following the debit communication. At present, charging for communication is often performed in units of one to three minutes. Therefore, if the communication including the load processing according to the embodiment of the present invention and the communication by debit payment are realized in one charging time,
An increase in running cost during implementation can be suppressed.

In the embodiment, the host device executes the load amount calculation process. However, the instant payment card terminal device or the fare settlement device may execute the load amount calculation process.

Further, in the embodiment, the cash accounting apparatus or the fare settlement apparatus is instructed to perform automatic loading unconditionally, but the automatic loading is performed by the user interface of the cash accounting apparatus or the fare settlement apparatus. You can also choose whether or not.

In the two embodiments described above, debit (immediate settlement) is used. However, credit settlement can also be realized. In other words, using a card with credit function and electronic value, at the time of payment associated with product purchase with credit, the payment terminal or host device checks the electronic value balance in the card, and if it is less than the specified amount The payment terminal loads the electronic value corresponding to the difference into the card, and the host device performs credit card payment assuming that shopping or cashing equivalent to the loaded amount has been performed.

FIG. 24 is a diagram showing the configuration of the third embodiment of the electronic value management system of the present invention. This embodiment uses a cash accounting apparatus and a credit card terminal device.

An electronic value management system is an IC card 24100 having an electronic value function and a debit function.
And a credit card terminal device 24200 for performing payment for a service to a user, and a cash accounting device 2430 for managing cash accounting for providing a product or service.
0 and a host device 24 for managing the user's deposit information and the like
It consists of 400. Credit card terminal 242
Although not shown, a plurality of 00s are connected to one host device 24400. In addition,
In implementing the present invention, any number of host devices 24400 and instant payment card terminal devices 24200 may be used.

First, the immediate settlement card terminal device 24200
Will be described. The credit settlement card terminal device 24200 includes a CPU 24201, a memory 24
203, a display device 24209, a keyboard 24205,
Card reader 24207, CR communication control device 2421
1, the host communication control device 24213. CPU2
4201 controls each device in the terminal device 24200,
The processing is executed based on a program describing the processing procedure. The program is stored in the memory 24203. The memory 24203 stores, in addition to programs, data necessary for processing and execution results.

The display device 24209 can display characters and figures. The keyboard 24205 detects a key pressed by the user and returns the information. Card reader 242
07 has a communication function with the IC card 24100, and performs communication according to a predetermined protocol.
Information can be exchanged with the card 24100. The CR communication control device 24211 implements communication with the cash accounting device 24300. The host communication control device 24213 implements communication with the host device 24400. Each device and CPU 24
201 is connected by a bus 24219 and the CPU 2420
Each process is executed under the control of 1.

The cash accounting apparatus 24300 manages cash accounting and payment, and has a CPU 24301 built in the equipment 24300.
Under the control of the communication control device 24303 to the CR communication control device 242 of the credit card terminal device 24200.
11 is instructed such as card payment. Note that parts not related to communication with the credit card terminal device 24200 are not shown.

Next, the hardware configuration of the host device 24400 will be described. The host device 24400 manages a debt caused by a customer purchasing goods or services with credit. Each customer has a debt cap,
It is possible to generate debt up to that amount. The host device 24400 has a current debt balance and a debt upper limit.

The host device 24400 has a CPU 2440
1, a storage device 24405 and a communication control device 24403. The storage device 24405 holds information related to a user's transaction and the above-mentioned account information, and updates and reads out the information according to an instruction from the CPU 24401. The communication control device 24403 realizes communication with the card terminal device 24200.

FIG. 25 shows the IC card 24100 shown in FIG.
FIG. 9 is a diagram showing an external appearance of the device and data held by the IC card 24100.

The IC card 24100 has a built-in IC chip in a plastic card. IC on the card surface
It has a contact for communicating with the device. IC
The IC chip inside the card is a CPU 2410 that performs calculations.
1. It has a card I / F 24107 for communicating with the outside and a memory 24103 for recording information.

The memory 24103 stores the card AP management program 252001 and the credit service program 2
52003 and electronic value control program 252
011. Card AP management program 252001
Are card AP management program 252001, credit service program 252003, card AP management information 252002 for referring to electronic value control program 252011, and card authentication data 252.
020.

Credit service program 25200
3 is name data 252005 as data for processing;
Financial institution identification information 252007, card number 25200
Have nine. Electronic value control program 252011
Is a value balance 252013 as processing data.
have.

For accessing these programs and data, the commands shown in FIG. 27 are used. This will be described later.

FIG. 26 shows the host device 24400 shown in FIG.
FIG. 21 is a diagram showing customer debt management data 24407 concerning each customer stored in the storage device 24405 of FIG. The customer debt management data 24407 includes a card number 264001, a personal identification number 264003, a load upper limit amount 264004, a debt balance 264007, and a debt upper limit amount 264409.

Of these, the account number 264001, the password 264003, and the load upper limit amount 264004
First, a fixed value is set when the card is issued. The debt balance 264007 and the debt ceiling amount 264509 are
Varies depending on the debt situation.

The flow of software for controlling the above-described electronic value management system will be described in detail below. First, the control of each device will be described, and then the coordination thereof will be described.

IC card 24100 performs processing based on a command from credit card terminal device 24200, and returns the result as a return value.

FIG. 27 is a diagram showing commands issued from the credit card terminal device 24200 in FIG. 27A to the IC card 24100, and return values for each command in FIG. 27B.

The command includes an authenticity confirmation command 27500 for acquiring data for confirming the authenticity of the card.
1. Card information acquisition command 275003 for acquiring card information such as card number, value balance acquisition command 275005 for returning the balance of electronic value in the card, value change command 27500 for increasing / decreasing electronic value
There are four commands:

The IC card 24100 responds to the authenticity confirmation command 275001 by using the card authentication data 275.
009 (252020 in FIG. 25) is returned. In response to the card information acquisition command 275003, the IC card 241
00 is the cardholder name, financial institution identification information, card number 275011 (cardholder name information 252 in FIG. 25).
005, financial institution identification information 252007, card number 2
52009).

In response to the value balance acquisition command 275005, the IC card 24100 displays the value balance 275
013 (252013 in FIG. 25) is returned. For the value change command 275007, the IC card 2410
0 changes the electronic value based on the parameter, and the resulting value balance 275015 (25201 in FIG. 25)
3) is returned.

Credit card terminal device 24200
Performs processing based on a command from the cash accounting apparatus 24300, and returns the result as a return value.

FIG. 28 is a diagram showing a command from the cash accounting apparatus 24300 relating to credit sales shown in FIG. 28 (a) and a return value corresponding to the command shown in FIG. 6 (b).

When selling by credit,
The cash accounting apparatus 24300 sends a credit sales command 286001 to the credit settlement card terminal apparatus 24200. At this time, the cash accounting apparatus 24300 can specify whether to automatically load the electronic value by using a parameter. On the other hand, the credit card terminal 2
4200 performs credit settlement, and the settlement result 2860
Returns 03. When automatic loading is performed, the load amount is returned at the same time.

Regarding the selection of whether or not to automatically load in the cash accounting apparatus 24300, in this embodiment, "automatic loading" is always designated in the cash accounting apparatus 24300, but the customer's will is confirmed. It is also possible to switch between them.

FIG. 29 is a diagram showing a program main flow of the credit card terminal device 24200 of FIG.

Credit card terminal 24200
The main program is on the memory 24203 in FIG. 24, and the CPU 24201 reads and executes the main program.
When the execution is started, in step S29601, the device 24 such as the memory 24203 and the keyboard 24205 in FIG.
24. Initialization processing for initializing the internal device 200 is performed, and in step S29603, the cash accounting apparatus 2430 of FIG.
The job selection command from 0 is accepted. The processes that can be selected are credit sales processing S29605, credit cancellation processing S29607, totalization processing S29609, and electronic money sales processing S29611. After completion of each process, the process returns to the task selection step S29603.

Hereinafter, the flow of the automatic load processing in the credit sales processing S29605 which is a feature of the present invention will be described in detail.

The credit sales processing S29605 corresponds to FIG.
When the credit sales command 286001 of FIG. 28 is received in the job selection step S29603 of FIG. The credit sales processing S29605 is performed by the IC shown in FIG.
The processing is executed in cooperation with the card 24100 and the host device 24400. Commands for the IC card 24100 are as shown in FIG.

FIG. 30 is a diagram showing a command from the credit card terminal device 24200 shown in FIG. 30A to the host device 24400, and a return value corresponding to the command shown in FIG. 30B.

As shown in FIG. 30, the credit card terminal device 24200 is
There are a credit settlement approval request command 308001 for requesting credit settlement approval, and a load amount calculation command 308003 for calculating an amount for automatic loading.

The return value for each command is as follows. In response to the credit settlement approval request command 308001, the host device returns settlement approval permission / denial 30809. In response to the load amount calculation command 308003, the load amount 308011 to be loaded is returned.

FIG. 31 shows the credit sales processing S of FIG.
It is a figure showing the flow of 29605. In the credit sales process S29605, a menu prompting for card insertion is displayed in step S31901, and the IC card 24100 is accepted. After accepting the IC card 24100, in step S31902, the IC card 24100 is
The authenticity confirmation command 275001 of (a) is issued, and the card authentication data 275509 of FIG.
Is used to confirm that the IC card 24100 has been officially issued.

Next, in step S31903, a card information acquisition command 275003 shown in FIG. 27A is issued to the IC card 24100, and 275011 in FIG. 27B, that is, card ownership name information 252005, financial institution identification information 252007, and FIG. The card number 252009 is read.

In step S31905, the host device 24400 requests the host device 24400 to approve the credit settlement based on the card information and the purchase amount of the customer included in the parameter of the credit sale command 286001 which is the command that started the credit sale process S29605. Perform In step S31905, the keyboard 24205
, And input the personal identification number to the host device 24400 specified by the financial institution identification information 252007.
A credit settlement approval request command 308001 is sent with 09 as a parameter.

In step S31907, it is confirmed whether or not the credit settlement has been approved. If the credit settlement has been approved, in step S31909, a credit sales command 286, which is the command that activated S29605, has been issued.
It is determined whether to load the electronic value based on the parameter 001. Then, in the case of loading, in step S31911, a command 275005 is issued to the IC card 24100 to obtain the value balance 252013, and in step S31913, the load amount calculation command 308003 is set using the balance 252013 and the card number of the customer as parameters. By issuing the load amount to the host device 24400 and requesting the load amount calculation, the load amount 308011 returned as a result is used to perform a load process of loading values in step S31915.

FIG. 32 shows the loading process S3191 of FIG.
It is a figure which shows the flow of 5.

When the load process S31915 is started,
In step S321001, an approval request command 308005 is issued to the host device 24400 for credit settlement of the load amount 308011 (hereinafter referred to as amount V) also designated by the parameter from the account of the card number designated by the parameter. Next step S32100
The result is confirmed in step 3, and if OK, step S3210
At 05, the value of the amount V is added to the IC card 24100. Then, in step S321015, the load processing S31915 ends with the amount V as a return value.

If the determination in step S321003 is not OK, the flow shifts to step S3211013 at that point to set the amount V to 0, and then to step S321015.
Then, the load processing S3191 is performed using the amount V as a return value.
5 is ended.

FIG. 32 shows the host device 24400 shown in FIG.
It is a figure which shows the main flow of. Host device 24400
Waits for a terminal command from the credit card terminal device 24200 in step S321103 after the initialization process at the time of startup in step S3211101. When the terminal command is received, the next processing selection step S331
At 105, the processing subprogram S3 for each command
31107 or S331109 is selected, and after the processing is completed, the process returns to the terminal command receiving step S331103.

The processing subprogram for each command includes a credit transaction approval process S331107 and a credit amount calculation process S331109.

Credit transaction approval processing S331107
Determines whether the specified amount of money can be transferred from the account with the specified card number to the store account, and if possible, transfers the amount. The load amount calculation processing S331109 calculates the difference between the debt balance 264007 managed by the host and the current balance value balance 252013 (this is the amount of electronic value to be loaded).

FIG. 34 shows the load amount calculation processing S3 in FIG.
It is a figure showing the flow of 31109.

In the load amount calculation processing S331109, first, in step S341201, the account number 2640 in FIG.
01, debt balance 264007, load upper limit 2
64004, and then step S341205
The value balance 252013 notified from the credit card terminal device 24200 is equal to the load upper limit amount 26.
Check if the value is less than 4004. Load upper limit 264
If it is not less than 004, the flow moves to step S341209 to set the automatic load amount TV to 0, and step S341.
In 215, the TV is set as the processing return value, and the load amount calculation processing S331109 ends.

As a result of the determination in step S341205,
The value balance 252013 is the load upper limit amount 26400
If the value is less than 4, the following processing is performed.

First, in step S341207, the automatic load amount TV is changed from the debt upper limit amount 264509 to the debt balance 2
It is set to the amount obtained by subtracting 64007. Next, in step S341221, it is checked whether or not the amount obtained by adding the value balance to the TV exceeds the load upper limit amount 264004. If not, the TV is set as the processing return value in step S341215, and the load amount is calculated. Process S331
Terminate 109.

[0188] In step S341212, the amount obtained by adding the value balance to the TV is equal to the load upper limit amount 2640.
Step S341 so as not to exceed when it exceeds 04
In step 213, the amount of the TV is changed to the amount obtained by subtracting the value balance 272013 from the reload upper limit amount 264004. In step S341215, the amount is set as the processing return value, and the load amount calculation processing S331109 ends.

The processing of the IC card 24100, the credit card terminal device 24200, the cash accounting device 24300, and the host device 24400 in FIG. 24 has been described above. Next, how each process works in cooperation will be described.

FIG. 35 shows the IC card 2410 shown in FIG.
0, a diagram showing an embodiment of the coordination of a credit card terminal device 24200, a cash accounting device 24300, and a host device 24400.

In FIG. 35, a vertical line indicates a time axis, and a horizontal line indicates a command (partial operation) between the devices. A rectangle on the time axis indicates main processing. FIG.
Shows an embodiment of coordination of each process when the automatic loading is normally performed after the credit sales process of FIGS. 29 and 31.

First, when a credit sales command 286001 is issued from the cash accounting apparatus 24300 to the credit card terminal device 24200, the credit sales processing S29605 is started according to the procedure shown in FIG.

The credit sales processing S29605 is performed by the IC
A display prompting insertion of the card 24100 is performed (S3190)
1). When the IC card 24100 is inserted, an authenticity confirmation command 275001 is issued to the card,
The authenticity of the IC card 24100 is verified using the return value 27509 (S31902). After confirming that the card is a genuine card, credit sales processing S29276
05 is the card information acquisition command 5003 for the IC card 2
4100, and returns card information 27501 as a return value.
In step S31905, the card number 2009 or the like is acquired, and a credit settlement approval request process is executed.

Credit settlement approval request processing S31905
Then, a credit settlement approval request command 308001 is issued to the host device 24400, and a settlement result 30809 is acquired as a return value.

Thereafter, credit sales processing S29605
Determines whether to perform automatic value loading (S
31909). In this embodiment, the parameters are set so that the cash accounting apparatus 24300 always performs automatic value loading as described above (see the description of FIG. 28). Therefore, the process for automatic loading is started, and the IC card 2
Value balance acquisition command 27500 for 4100
5 to obtain the value balance 275013 in the IC card 24100. Using the value balance and the card number 252009 obtained in the above procedure as parameters, the credit card terminal device 24200 sends a load amount calculation command 308003 to the host device 24400.
Issue

The host device 24400 executes load amount calculation processing for the load amount calculation command 308003 (S331109), and the debt balance and debt upper limit in the storage device 24407 that match the card number 252009 specified by the parameter. The maximum value of the amount that can be purchased with credits is determined based on the amount, and the amount is the load upper limit 2600
Calculate the load amount TV to be the maximum value not exceeding 4,
A load amount TV notification 308011 is returned as a return value.

Credit card terminal device 24200
Performs load processing of the amount given by the return value (S
31915). First, a credit settlement approval request command 308005 is issued to the host device 24400, and a settlement result 30809 is returned as a return value. Next, the loading process S31915 is performed by the IC card 24100
Issue a value change command 275007 to add the value of the amount TV, confirm that the processing has been completed normally from the changed balance 275015 returned by the return value from the IC card 24100, and the credit card terminal device 24200 In the accounting device 24300, the credit sales result and the automatic load amount TV command 286003
Is issued to end a series of processing.

According to the present embodiment, every time the credit card is settled, the value is automatically loaded to the IC card from the account balance that can be used by the IC card owner for the settlement.

[0199]

According to the present invention, an electronic value management system and a card which reduce the trouble of loading an electronic value by automatically loading the electronic value of an IC card every time a debit or credit is settled. A terminal device and a host device can be provided.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of a first embodiment of an electronic value management system of the present invention.

FIG. 2 is a diagram showing an appearance of the IC card 100 of FIG. 1 and data held by the IC card 100.

FIG. 3 is a diagram showing an external appearance of hardware of the immediate settlement card terminal device 200 of FIG.

FIG. 4 is a diagram showing customer management data 407 for each customer stored in a storage device 405 of the host device 400 in FIG.

5 is a diagram showing commands issued from the immediate settlement card terminal device 200 of FIG. 5A to the IC card 100 and return values for each command of FIG. 5B.

6A is a diagram showing a command from the cash accounting apparatus 300 relating to debit sales in FIG. 6A, and a return value to the command in FIG. 6B.

FIG. 7 is a diagram showing a program main flow of the instant payment card terminal device 200 of FIG. 1;

8 shows a command from the immediate settlement card terminal device 200 of FIG. 8A to the host device 400, and FIG.
FIG. 13B is a diagram illustrating a return value for the command in FIG.

FIG. 9 is a diagram showing a flow of a debit sales process S605 of FIG. 7;

FIG. 10 is a diagram showing a flow of a loading process S915 in FIG. 9;

FIG. 11 is a diagram showing a main flow of the host device 400 in FIG. 1;

FIG. 12 is a diagram showing a flow of a load amount calculation process S1109 in FIG. 11;

13 is a temporary deduction process S1 for purchasing electronic value in FIG. 11;
It is a figure which shows the flow of 111.

FIG. 14 is an electronic value deduction confirmation processing S111 in FIG. 11;
It is a figure which shows the flow of 3.

FIG. 15 shows the IC card 100 and the card terminal device 2 shown in FIG.
FIG. 2 is a diagram showing an embodiment of cooperation between a cash accounting apparatus 300 and a host apparatus 400.

FIG. 16 is a diagram showing a configuration of an electronic value management system according to a second embodiment of the present invention.

17 is a diagram illustrating an appearance of the IC card 16005 of FIG. 16 and data held by the IC card 16005.

18 is a diagram showing commands issued from the immediate settlement card clearing terminal 16001 of FIG. 18 (a) to the IC card 16005, and return values for each command of FIG. 18 (b).

FIG. 19 shows commands from the fare settlement device 16010 to the immediate settlement card settlement device 16001 in FIG.
FIG. 20 is a diagram showing a return value for the command in FIG. 19B.

FIG. 20 is a diagram showing the flow of fare settlement S20000 for the ticket / IC card 16005.

21 is an immediate settlement card settlement terminal device 160 shown in FIG.
FIG. 11 is a diagram showing a program main flow of No. 01.

FIG. 22 is a diagram showing a flow of a settlement amount settlement process S21007 of FIG. 21.

FIG. 23 shows the ticket / IC card 16005 of FIG.
It is a figure which shows embodiment of cooperation of the immediate settlement card settlement terminal device 16001, the fare settlement device 16010, and the host device 400.

FIG. 24 is a diagram illustrating a configuration of an electronic value management system according to a third embodiment of the present invention.

FIG. 25 is a diagram showing an appearance of the IC card 24100 in FIG. 24 and data held by the IC card 24100.

26 is a storage device 2 of the host device 24400 in FIG.
Customer debt management data 24 for each customer at 4405
FIG.

FIG. 27 (a) shows an immediate settlement card terminal device 24 of FIG.
FIG. 28 is a diagram illustrating commands issued from IC 200 to IC card 24100, and return values for each command in FIG. 27 (b).

28A shows a command from the cash accounting apparatus 24300 relating to credit sales shown in FIG. 28A, and FIG.
FIG. 13B is a diagram illustrating a return value for the command in FIG.

FIG. 29 is a credit card terminal device 24 shown in FIG.
FIG. 6 is a diagram showing a program main flow of 200.

30A is a diagram showing a command from the credit card terminal device 24200 in FIG. 30A to the host device 24400, and FIG. 30B is a diagram showing a return value for the command in FIG. 30B.

FIG. 31 is a diagram showing a flow of credit sales processing S29605 in FIG. 29.

FIG. 32 is a diagram showing a flow of a load process S31915 of FIG. 31.

FIG. 33 is a diagram showing a main flow of the host device 24400 in FIG. 24;

FIG. 34 is a diagram showing a flow of a load amount calculation process S331109 in FIG. 33.

FIG. 35 shows an IC card 24100, a credit card terminal device 24200, and a cash accounting device 2430 in FIG.
0, a diagram showing an embodiment of the cooperation of the host device 24400.

[Explanation of symbols]

100: IC card, 200: immediate settlement card terminal device, 300: cash accounting device, 400: host device, 16
005: IC card that also serves as a ticket, 16001: Instant settlement card settlement terminal device, 16010: Fare settlement device, 24
100: IC card, 24200: Credit card terminal device, 24300: Cash accounting device, 24400:
Host device.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07F 7/08 G07F 7/08 Z (72) Inventor Shigeyuki Ito 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Hitachi, Ltd. Digital Media Development Division (72) Inventor Jo Takami 292, Yoshida-cho, Totsuka-ku, Yokohama, Kanagawa Prefecture Hitachi Media Digital Media Development Division (72) Inventor Kenji Matsumoto Totsuka-ku, Yokohama, Kanagawa Prefecture 292 Yoshida-cho Digital Media Development Division, Hitachi, Ltd. (72) Inventor Tomomi Yamamoto 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Digital Media Development Division, Hitachi, Ltd. (72) Inventor Masayuki Inoue Kanagawa 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Japan Inside Hitachi Image Information System Co., Ltd. (72) Inventor Tetsuji Inamitsu 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Inside Hitachi Image Information System Co., Ltd. F term (reference) 2C005 MA03 MB03 MB08 MB10 SA04 SA25 TA27 3E044 BA04 CA06 DC06 DE01 5B055 BB10 CB00 CB09 EE01 EE27 KK05 5B058 CA26 YA20

Claims (9)

[Claims] An electronic value that can be exchanged for cash by an electronic settlement procedure equivalent to cash settlement is stored in an IC card, and an electronic value corresponding to the compensation is stored in a card terminal device as a price for a product purchase or a service. To the IC
In an electronic value management system that deducts from a card and setstle the consideration to a product or service provider based on the information obtained by deducting the information, the information of the card holder for depositing, withdrawing, and performing immediate settlement of money is provided. The IC card, a host device that manages the value of money deposited by the card holder under a contract and performs electronic settlement, and is connected to the host device through communication, and the IC card is used to pay for product purchases and services. An instant payment card terminal device for performing payment of a value to be deducted from the cardholder's monetary value on the host device based on the information of the cardholder read from the host device or the instant payment card terminal device But,
After the settlement of the consideration, it is determined whether the electronic value held by the IC card is less than a predetermined amount, and if the electronic value is less than a predetermined amount, the determination is performed by the host device. Notifying the immediate payment card terminal device of the shortage amount, the instant payment card terminal device instructs the IC card to add an electronic value so as to have an electronic value equal to a predetermined amount, and to the amount An electronic value management system for instructing to deduct a corresponding money value from a money value of a cardholder on the host device. 2. The electronic value management system according to claim 1, wherein said electronic value management system is used for payment of a transportation fee, and said instant payment card terminal device further electronically converts said usage fee based on transportation information. A settlement unit for performing settlement using a value, wherein the settlement unit instructs the host device to settle the shortage amount when settlement of the usage fee is not completed with the electronic value in the IC card, and thereafter, The host device or the instant payment card terminal device determines whether the electronic value held by the IC card is less than a predetermined amount.If the electronic value is less than a predetermined amount, the determination is made by the host device. Is
Notifying the instant payment card terminal device of the shortage amount, the instant payment card terminal device instructing the IC card to add an electronic value so as to have an electronic value equal to a predetermined amount, and the amount thereof An electronic value management system for instructing to deduct a monetary value corresponding to (i) from a monetary value of a cardholder on the host device. 3. The electronic value management system according to claim 1, wherein the host device transmits the IC card to the IC card when the monetary value of the card holder is less than a predetermined amount. An electronic value management system characterized by not performing electronic value addition. 4. The electronic value management system according to claim 1, wherein the host device, when the monetary value deposited by the cardholder is less than a predetermined amount, a difference from the predetermined amount. The electronic value in the IC card is subtracted, and an amount equivalent to the subtracted amount is added to the money value deposited by the card holder. 5. A method for purchasing goods and services by using an IC
Based on the cardholder's information read from the card,
In the case where the electronic value held by the IC card is less than a predetermined amount after performing settlement of the consideration deducted from the monetary value of the card holder on the host device connected by communication and performing the settlement of the consideration. An instant payment card terminal device for instructing the IC card to add the electronic value so that the shortage amount of the electronic money becomes an electronic value equal to a predetermined amount. 6. The cardholder manages the monetary value deposited under the contract, and the instant payment card terminal device checks the price for the purchase of goods and services based on the information of the cardholder read from the IC card. When performing the settlement of, the settlement of the consideration deducted from the monetary value is performed, and after the settlement of the consideration is performed, it is determined whether the electronic value held by the IC card is less than a predetermined amount, and the predetermined amount is determined. If it is less than, the shortage card terminal device is notified of the shortage amount, and the immediate settlement card terminal device adds the electronic value to the IC card so that the electronic value is equal to a predetermined amount. After receiving the notification of the monetary value equivalent to that amount after instructing,
A host device for subtracting from the cardholder's monetary value. 7. The real-time settlement card terminal device according to claim 5, further comprising a settlement unit for settling the use fee using electronic value based on the use information of transportation means, wherein the settlement unit is provided with the IC. An immediate settlement card, wherein when the settlement of the usage fee is not completed with the electronic value in the card, the host device is instructed to settle the shortage amount, and thereafter, the IC card is instructed to perform the addition. Terminal device. 8. An electronic value which can be exchanged for cash by an electronic settlement procedure equivalent to cash settlement is stored in an IC card, and an electronic value corresponding to the compensation is stored in a card terminal device as a price for a product purchase or a service. To the IC
In an electronic value management system for deducting from a card and performing settlement of the consideration to a product or service provider based on the information obtained by the deduction, the IC card having information of a card holder for performing credit settlement, A host device for electronically performing credit and debt processing based on the credit information of the card holder, and the card connected to the host device through communication and reading the price for merchandise purchases and services from the IC card A credit settlement card terminal device for performing settlement of the value by credit based on the information of the owner, wherein the host device or the credit settlement card terminal device holds the IC card after performing the settlement of the value. Judge whether the electronic value is less than the prescribed amount and less than the prescribed amount In this case, when this determination is made by the host device, the credit card terminal device is notified of the shortage amount, and the credit card terminal device is electronically controlled so as to have an electronic value equal to a predetermined amount. An electronic value management system comprising: instructing the IC card to add a value; and instructing the IC card to add a debt corresponding to the amount to a debt of a cardholder on the host device. 9. The price for a product purchase or service is determined by an IC
Based on the information of the card holder read from the card, the payment is performed by credit, and after the payment is performed, the shortage occurs when the electronic value held by the IC card is less than a predetermined amount. A credit card terminal device for instructing the IC card to add an electronic value to an amount so that the amount becomes an electronic value equal to a predetermined amount.