JP2002366862A - Ic card and electronic money reception system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an IC card with an electronic money card function and an electronic money reception system which can receive electronic money without any trouble even when the electronic money balance is less than the selling price of a desired article to be bought as to an IC card with an electronic money card function which has a credit card function in combination. SOLUTION: Card information including the electronic money balance is outputted from the IC card 10 equipped with the electronic money function and credit card function to a POS terminal 2 in a store via a reader/writer 4. The POS terminal 2 requests a credit limit confirmation center 8 to confirm the credit line via a leased line 6 when the electronic money balance is less than the selling price of the desired article to be bought and receives electronic money when the credit is confirmed to increase the electronic money balance of the IC card 10.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an IC card with an electronic money card function and an electronic money deposit system mainly used for purchasing small-value products without cash, and more particularly, to an electronic money having a credit card function. The present invention relates to an IC card with a card function and an electronic money deposit system.

[0002]

2. Description of the Related Art With the development of computers and communication networks along with the recent liberalization of finance, various payment means can be selected when purchasing goods and services (hereinafter abbreviated as "goods") at stores. Is coming. For example,
In addition to the prepaid cards and credit cards conventionally used, debit cards and electronic money cards have been actually used.

[0003] Prepaid cards are used, for example, as telephone cards used for public telephones, highway cards used for toll roads, or boarding cards for buses and railroads. In the prepaid card, a monetary value corresponding to cash paid for purchasing the card is embedded as magnetic data or the like. Each time a product is purchased using a card, the balance is recorded as magnetic data, and the balance becomes 0 (zero).
Becomes unusable. Since prepaid cards function in the same way as cash, cashless purchases can be made without specifying the card user.

[0004] Credit cards have a cashless merchandise purchasing function and a credit selling function that is settled after a certain period of time. The card holder presents the credit card to the store at the time of product purchase and signs if necessary, so that the payment can be postponed from the time of purchase of the product until a predetermined date. The store where the card is presented requests a credit card company to check the credit of the card by online communication or the like, and the card company notifies the store of the result of the credit check. As a result, the credit risk on the store side can be avoided.

[0005] A debit card is a cash card used for withdrawing a bank deposit with a product purchase function added. It can be used within the framework of affiliated financial institutions and affiliated stores that handle debit cards. When you insert your cash card into the terminal of the member store and enter your password when purchasing the product, you will be connected to the member financial institution via a dedicated network (for example, NTT DATA's CAFIS) and join from the card user's deposit account The settlement amount is transferred to the store account and settled immediately.

[0006] An electronic money card is a card used in an electronic money (digital cash) system for realizing money transactions using electronic technology. Electronic money cards have ICs with embedded storage devices such as semiconductor memories.
Cards are used. By depositing cash from a predetermined depositing machine, a monetary value corresponding to the deposit is stored as electronic data in a storage device of the IC card. Each time a product is purchased using the card, the balance is stored in the storage device as electronic data, and the balance is 0 (zero).
Becomes unavailable, but it can be used repeatedly by depositing it again from the depositing machine and filling it with electronic money. The electronic money card can be regarded as a reusable prepaid card, and functions in the same manner as cash, so that it is possible to purchase goods without cash without specifying the card user. Both electronic money cards and prepaid cards are often used for small payments of several thousand yen to several tens of thousands of yen.

[0007] In summary, it can be said that a prepaid card or an electronic money card is "prepayment", a debit card is "immediate payment", and a credit card is "postpayment". In addition, a prepaid card or an electronic money card has a monetary value on the card itself, whereas a credit card or a debit card has no monetary value on the card itself. In addition, the user of a prepaid card or an electronic money card is not usually specified because the name of the card holder is not described, but the holder of a credit card or a debit card is the holder described on the card.

In recent years, a multi-function integrated card having a plurality of card functions has also appeared. For example, there are a multi-function integrated card having both functions of an electronic money card and a credit card, and a multi-function integrated card having both functions of an electronic money card and a debit card. These are generally realized by an IC card having an information processing device such as a microcomputer and a wireless communication function in addition to a storage device in the card.

Since this IC card has a wireless communication function, predetermined processing and rewriting of various data can be performed without contact simply by holding the card over a data read / write device. For example, a user of a multi-function integrated IC card having both the function of an electronic money card and the function of a credit card can make an immediate payment with an electronic money card when purchasing a small-sized product, and use a credit card later when purchasing a large-sized product. Enjoy the advantage of selecting a payment with one card.

[0010]

However, even with a multi-function integrated IC card having an electronic money function,
When the balance of the electronic money becomes small, it is necessary to go to a dedicated deposit machine installed in a limited place to deposit and fill the electronic money.

For this reason, when purchasing a product at a store, if the balance of electronic money stored in the multi-function integrated IC card is smaller than the sales amount of the product desired to be purchased, the difference may be paid in cash or once the product is left from the store. In order to find a dedicated deposit machine, make a deposit, increase the balance of electronic money, then enter the store again and purchase products with electronic money. In this way, paying the difference in cash does not provide the benefit of cashless, and in order to purchase a product that is not so expensive, you must go to a dedicated deposit machine to do the deposit processing and then re-enter the store. If you buy products, it can take too much time and hinder the expansion of electronic money transactions.

For example, JP-A-11-259577 has the following disclosure. That is, if the payment card has both the credit use function and the electronic wallet use function, one of the payment types is automatically selected from the card data and settled. Therefore, even if a balance shortage occurs when the payment is made with the electronic wallet, the payment process can be automatically performed by automatically selecting the payment type of the balance shortage amount. However, in this method, a credit card may be used to purchase an extremely small amount of merchandise, so that there is a problem that the merchandise purchase procedure may be complicated.

[0013] In recent years, in a product purchase mode, it has become possible to purchase products not only in a real shop (real shop) but also in a virtual shop (cyber shop) built on a communication network. Even in this virtual store, the above-mentioned multi-function integrated IC card having the electronic money card function can be used, and therefore, a problem similar to the above-described problem that occurs when using an electronic money card in a real store can occur. . Even if the electronic money balance is insufficient when purchasing a product at a virtual store, there is no need to go to a physically remote payment machine as in a real store.
However, once you get out of the virtual store and access the virtual deposit machine once installed in the virtual store street (cyber mall),
After performing the process of increasing the electronic money balance by holding the multi-function integrated type IC card over the read / write device at hand, it takes time and effort to return to the virtual store again.

An object of the present invention is to provide an IC card with an electronic money card function and an electronic money deposit that can deposit electronic money without trouble even when the electronic money balance at the time of product purchase is smaller than the sales amount of the product desired to be purchased. It is to provide a system.

[0015]

The object of the present invention is to provide an electronic money balance received from an IC card and a judgment unit for judging the sales amount of a product. And a POS terminal for performing payment by electronic money, and a POS terminal for performing payment using electronic money, and another payment function in addition to an electronic money card function. A storage device that stores card information including data and is readable / writable. When the electronic money balance at the time of product purchase is smaller than the sales amount of the product desired to be purchased, the electronic money is received from the POS terminal after predetermined credit processing. And an IC card having a control unit for updating the electronic money balance by electronic money. It is made.

[0016] Further, the above object is to provide a POS terminal which performs settlement by electronic money, a determining unit for judging the amount of the electronic money received from the IC card and the sales amount of the product, If the amount is smaller than the amount, the POS terminal is characterized by having a settlement means for performing a settlement process by adding a fixed amount to a balance after a predetermined credit process.

In the POS terminal of the present invention,
The predetermined credit process includes a process of transmitting a credit check request to a credit check server using a unique settlement number, and determining whether or not credit is possible based on a credit result from the credit check server.

Further, in the POS terminal of the present invention, the predetermined credit processing includes a process of determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. Alternatively, the predetermined credit processing includes a process of extracting usage log data of the credit card stored in the IC card and determining whether the usage date is closer to the present time than a preset reference date and time. Features.

It is an object of the present invention to provide an IC card having an electronic money card function and another settlement function, a storage device for storing and reading / writing card information including electronic money balance data, When the balance is less than the sales amount of the product you want to purchase,
A control unit for updating the electronic money balance with electronic money received from the OS terminal after predetermined credit processing.

In the above-mentioned electronic money settlement program according to the present invention, the electronic money balance received from the IC card and the sales amount of the product are determined by the determination means, and the electronic money balance is smaller than the sales amount. In this case, after the predetermined credit processing, a settlement means for performing a settlement processing by adding a fixed amount to a balance is provided.

In the settlement program according to the present invention, the predetermined credit processing includes transmitting a credit confirmation request to a credit confirmation server using a unique settlement number, and determining whether the credit is acceptable based on a credit result from the credit confirmation server. Is determined. Alternatively, the predetermined credit process includes a process of determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. Further alternatively, the predetermined credit processing includes:
It is characterized by including a process of extracting usage log data of a credit card stored in an IC card and determining whether or not the usage date and time is closer to the present time than a preset reference date and time.

[0022] Also, the above object is to provide a settlement method for performing settlement by electronic money, wherein the electronic money balance received from the IC card and the sales amount of the product are judged to be smaller, and the electronic money balance is smaller than the sales amount. In this case, the settlement is achieved by performing a settlement process by adding a fixed amount to a balance after a predetermined credit process.

In the settlement method of the present invention, the predetermined credit processing includes transmitting a credit confirmation request to a credit confirmation server using a unique settlement number, and determining whether the credit is acceptable based on a credit result from the credit confirmation server. It is characterized by including a judgment process. Alternatively, the predetermined credit process includes a process of determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. Alternatively, the predetermined credit processing includes a process of extracting usage log data of the credit card stored in the IC card and determining whether the usage date is closer to the present time than a preset reference date and time. Features.

[0024]

DESCRIPTION OF THE PREFERRED EMBODIMENTS [First Embodiment] FIGS. 1 to 5 show an IC card with an electronic money card function and an electronic money deposit system according to a first embodiment of the present invention.
This will be described with reference to FIG. First, a schematic configuration of an electronic money deposit system 1 according to the present embodiment will be described with reference to FIG. The electronic money deposit system 1 has a POS (point-of-sale information) terminal 2 installed in a store that sells products. The POS terminal 2 can be connected to a credit confirmation center 8 via a dedicated communication line (dedicated line) 6. The POS terminal 2 is connected to a read / write device 4 for reading and writing various data from a storage device in the multi-function integrated type IC card 10.

The POS terminal 2 collects various kinds of data for each sale of goods, performs a tallying process of the data for each predetermined purpose, and manages the stock of goods and sales, etc. A register and an optical reading device (both not shown), and a display device 2 for notifying and requesting customers.
4 and a printing device 26. In addition, the POS terminal 2 has a control unit 20 that controls and controls the entire apparatus and executes various arithmetic processes, and a storage device 22 that stores various data. The control unit 20 reads /
Various data of the multi-function integrated IC card 10 input from the writing device 4 is stored in the storage device 22, or predetermined data is extracted from the storage device 22 and operated. Also, in order to confirm the credit of the credit card attached to the multi-function integrated type IC card 10 of the product purchaser,
A credit confirmation request is sent to the credit confirmation center 8 together with predetermined data.

The credit confirmation center 8 is located at the POS terminal 2
In response to the authentication confirmation request from, the credit access company accesses the authentication database installed in each credit card company to create credit approval / disapproval data, and sends the credit confirmation result of the credit card to the POS terminal 2. I have. In addition, each credit card company has a credit check center 8
It is also possible to double.

FIG. 2 shows a schematic configuration of a multiple function integrated type IC card (hereinafter, abbreviated as “integrated type IC card”) 10. The multi-function integrated type IC card 10 of the present embodiment has an electronic money card function and a credit card function. Multiple Function Integrated IC Card 10
Has a storage device 12 composed of a semiconductor memory such as a flash EEPROM, a communication control unit 16 and an antenna 18 for communicating with the outside and transmitting and receiving data, and a control unit 14 for controlling them collectively. I have.

When the multi-function integrated IC card 10 is held over the read / write device 4, the multi-function integrated IC card 10
Electromagnetic wave data is transmitted and received between the antenna 18 of the card 10 and an antenna (not shown) in the read / write device 4.

The storage device 12 in the integrated IC card 10 has "integrated display data" indicating that the card is integrated with a plurality of functions, and the functions of an electronic money card and a credit card. "Function type display data" indicating that the function type is provided.

The storage device 12 stores an “electronic money balance R1”. Further, the storage device 12 stores “acceptance data” indicating whether or not to accept automatic payment under predetermined conditions so that the electronic money balance does not become negative when purchasing a product. Here, the automatic deposit does not mean depositing money from a depositing machine to increase the balance of electronic money, but filling electronic money from the POS terminal 2 of the store where the product is purchased in a manner similar to overdraft, and filling the integrated IC card. Is to increase the electronic money balance. “Consent data” is, for example, “0”, “300”
"0", "5000", or "10000", where "0" indicates that automatic deposit is not accepted,
"3000", "5000" or "10000"
The automatic deposit is accepted and each number represents the deposit amount.

The storage device 12 stores information such as the date and time of use of the card, the place of use (for example, a member store number), and the type of use (discrimination between use of electronic money and use of a credit card). Stored are usage log data recorded for each case, and payment log data recorded for a plurality of recent records of information such as a payment date and time and a payment place (for example, a payment machine number). Further, the storage device 12 stores a credit card number, which is a unique payment number, an expiration date, and the like. Hereinafter, the information stored in the storage device 12 is referred to as “card information” as a whole.

The operation procedure of the electronic money deposit system 1 having the above configuration will be described with reference to FIGS. 1 and 2 and further using FIGS. First, a purchaser of a product requests the store to purchase a desired product, and holds the integrated IC card 10 over the read / write device 4 (step S1).

When the integrated IC card 10 approaches the read / write device 4, the card information is wirelessly transmitted via the antenna 18. The read / write device 4 receives the card information and outputs it to the POS terminal 2. P
The control unit 20 of the OS terminal 2 stores the card information in the storage device 22 and determines whether the card has the function of an electronic money card based on the function type display data in the card information. (Step S
2).

If the card does not have the function of an electronic money card, the operation of the electronic money deposit system 1 ends. If the card has the function of an electronic money card, the control unit 20 of the POS terminal 2
The data of the electronic money balance R1 is extracted from the card information stored in the storage device 22 (step S3).

The control unit 20 of the POS terminal 2 determines whether or not the extracted electronic money balance R1 is smaller than the sales amount S of the product (the purchase amount as viewed from the purchaser) (step S4). If the electronic money balance R1 is equal to or greater than the sales amount S, the process proceeds to step S12 to calculate (electronic money balance R1-sales amount S = subtraction R2). This balance R2 is stored in the POS terminal 2 to check the balance.
Is displayed on the display device 24.

The control unit 20 of the POS terminal 2 rewrites the data of the electronic money balance among the card information in the storage device 22 to the balance R2 (step S13), and rewrites the latest data of the usage log to the current product purchase data. Then, the card information in the storage device 22 is transmitted to the integrated IC card 10 via the read / write device 4 (step S14). The control unit 14 of the integrated IC card 10 stores the received card information in the storage device 12 and updates various data including the electronic money balance.

The operation time in the above operation is within a few seconds at the latest. Therefore, the operation is completed while the person who wants to purchase the product holds the integrated IC card 10 in step S1.
If the operation is slowed down for some reason, a timeout process may be provided to prompt the reader / writer 4 to hold the integrated IC card 10 again from the display device 24 or the like of the POS terminal 2.

Next, in step S4, the electronic money balance R1
Is determined to be smaller than the sales price S of the product. In this case, the process shifts to step S5 and the PO
The control unit 20 of the S terminal 2 extracts the integrated display data from the card information in the storage device 22, and determines whether the card is an integrated card.

If the card is not an integrated card, the operation of the electronic money deposit system 1 ends. If the card is an integrated card, the POS terminal 2
The control unit 20 retrieves the consent data from the card information stored in the storage device 22 and determines whether or not the automatic payment has been approved (step S6). If the consent data is "0" (that is, automatic payment is not possible), the process proceeds to step S15, where "Electronic money balance is insufficient, but automatic payment has not been accepted. A message "other needs to be replenished" is displayed on the display device 24, and the operation of the electronic money deposit system 1 ends.

If the consent data is other than "0" (that is, automatic payment is possible), the flow shifts to step S7. For example, if the consent data is “5000”, in step S7, the electronic money balance R1 and the automatic deposit amount D = 50
It is determined whether or not the total of 00 yen is smaller than the sales amount S.

If the sum of the purchased electronic money balance R1 and the automatic deposit amount D is equal to or greater than the sales amount S, the process proceeds to step S8, and the control unit 20 of the POS terminal 2 sends the credit confirmation center via the dedicated line 6. 8, a credit confirmation request is sent.

If the sum of the purchase electronic money balance R1 and the automatic deposit amount D is smaller than the sales amount S, step S16
Is displayed on the display device 24 of the POS terminal 2 to inquire the purchaser of the commodity whether or not to continue the automatic payment procedure. If the user does not wish to continue the procedure, the operation of the electronic money deposit system 1 is terminated. If the procedure is continued, the process proceeds to step S8, and the control unit 20 of the POS terminal 2 checks the credit via the dedicated line 6. A credit confirmation request is sent to the center 8.

In the credit confirmation request, the control unit 20 of the POS terminal 2 checks the credit card number and the expiration date,
And the consent data, and if necessary, the international security code entered by the user through the keypad.

The credit confirmation center 8 selects the credit card company that issued the card based on the received credit card number, accesses the authentication database of the card company, and creates credit approval / disapproval data. The created credit approval / disapproval data is received by the POS terminal 2 (step S9).

The control unit 20 of the POS terminal 2 which has received the credit permission / prohibition data proceeds to the judgment of the credit limit (step S).
10) If it is determined that the credit is not accepted, this processing is terminated to make the commodity transaction unsuccessful, or the payment of cash or other method is consulted to the commodity purchase applicant.

When it is determined that the credit is accepted, the control unit 20 of the POS terminal 2 calculates (electronic money balance R1 + automatic deposit amount D = electronic money balance R3), and calculates the electronic money balance R3 as electronic money balance data. It is stored (step S11). Then, (E-money balance R3-
The sales amount S = the balance R4) is calculated. This balance R4 is displayed on the display device 24 of the POS terminal 2 to check the balance (step S12). At this time, if the process has proceeded from step S16 to step S8,
(Electronic money balance R3 + “difference amount” −sales amount S = balanced balance R4) so that the balance R4 becomes “0 (zero)”.
= 0) to indicate that it is necessary to make up for the “difference” with cash or the like.

When the electronic money balance is confirmed in step S12, the process proceeds to step S13, where the control unit 20 of the POS terminal 2 rewrites the electronic money balance in the card information in the storage device 22 to the balance R4 and uses the balance. After rewriting the latest data in the log to this product purchase data,
Read / write device 4 for reading card information in storage device 22
Is transmitted to the integrated IC card 10 via the
14). The control unit 14 of the integrated IC card 10 stores the received card information in the storage device 12 and updates various data including the electronic money balance.

FIG. 5 is a schematic diagram showing the transition of the electronic money balance stored in the storage device 12 in the integrated IC card 10 in the above operation. Prior to the automatic payment processing in step S11, the electronic money balance was "R1" (FIG. 5A), but as a result of the procedures in steps S11 to S14, the balance has become "R4" (see FIG. 5A). FIG. 5 (b)).

"5000 yen" deposited in the integrated IC card 10 by executing the subtraction processing in step S13.
Is the credit sales of the multi-integrated IC card 10 having the electronic money card function and the credit card function, and the POS terminal 2 transmits the billing information to the credit card company together with the credit card number.
The credit card company performs the payment by deducting the merchant fee, and then bills the credit card holder.

If the integrated IC card 10 is not held over the read / write device 4 at step S14, the display device 24 of the POS terminal 2 prompts the user to hold the integrated IC card 10 again. You may.

As described above, according to the present embodiment, since the automatic payment is made to the multi-function integrated IC card provided with the electronic money function, even if the balance of the electronic money becomes small, the dedicated payment is bothersome. There is no need to go to the machine and make a deposit to charge electronic money. further,
Since the electronic money is charged, the shopping using the electronic money can be continued without going to the deposit machine.

For this reason, it is possible to reduce the need to compensate for the shortage of the electronic money balance with cash, and to enjoy the advantage of being able to safely purchase products without cash. In addition, since it is not necessary to go to a dedicated payment machine, it is possible to perform business transactions using electronic money without hassle.

[Second Embodiment] Next, a second embodiment of the present invention will be described.
An IC card with an electronic money card function and an electronic money deposit system according to the embodiment will be described. First
In the embodiment of the present invention, every time the automatic depositing process is performed, the online connection with the credit confirmation center 8 is performed to check the credit of the credit card.
It is characterized in that credit confirmation is performed offline based on a credit list distributed periodically or irregularly from.

The schematic configuration of the electronic money deposit system 1 according to the present embodiment and the configuration of the integrated IC card 10 are as follows.
This is the same as that shown in FIGS. 1 and 2 used in the first embodiment. However, the leased line 6 is not for credit confirmation by online connection, but for receiving a credit list distributed periodically. The credit list lists credit card numbers for which credit is not permitted. Upon receiving the credit list, the control unit 20 of the POS terminal 2 stores the credit list in a predetermined area in the storage device 22.

In the operation procedure of the electronic money deposit system 1 according to the present embodiment, the steps S8 and S9 shown in FIG. 4 are omitted, and the process directly proceeds from the step S7 or S16 in FIG. It is the same as the operation procedure of FIGS. 3 and 4 described in the first embodiment, except that the credit judgment is made based on the credit list stored in.

According to the present embodiment, even when the electronic money balance is smaller than the sales amount of the product desired to be purchased, it is possible to deposit the electronic money without any trouble, which is an effect obtained in the first embodiment. In addition, since the automatic deposit process can be completed in a shorter time, customer service can be further improved.

[Third Embodiment] Next, a third embodiment of the present invention will be described.
An IC card with an electronic money card function and an electronic money deposit system according to the embodiment will be described. First
In the embodiment, every time the automatic payment processing is performed, the credit card is checked for credit by connecting online with the credit check center 8. On the other hand, in the second embodiment, credit confirmation is performed offline based on a credit list periodically distributed from the credit confirmation center 8. On the other hand, the present embodiment is characterized in that it is determined whether or not to accept credit based on card information stored in the integrated IC card 10.

The schematic configuration of the electronic money deposit system 1 according to the present embodiment and the configuration of the integrated IC card 10 are as follows.
This is the same as that shown in FIGS. 1 and 2 used in the first embodiment. However, the dedicated line 6 is connected to the credit confirmation center 8 for other information communication, not for credit confirmation or distribution of the credit list. Therefore, in the present embodiment, PO
It is also possible to disconnect the dedicated line 6 and the credit confirmation center 8 from the S terminal 2.

The operation procedure of the electronic money deposit system 1 according to the present embodiment will be described with reference to FIGS. 3 and 4 and further to FIG. FIG. 6 shows an operation procedure in which steps S8 to S10 subsequent to step S7 or step S16 are replaced. Other operation steps are the same as the operation procedures of FIGS. 3 and 4 described in the first embodiment.

First, step S7 or step S7 in FIG.
When the process proceeds to the automatic depositing process via step 16, the control unit 20 of the POS terminal 2 in step S20 of FIG.
The use log data and the deposit log data are referred to from the card information of the integrated IC card 10 stored in the storage device 22.

The usage log data is used as credit availability data. As described above, in the use log data, information such as the date and time of use of the card and the place of use, as well as information on the form of use for distinguishing whether the card was used as an electronic money card or used as a credit card are recorded for a plurality of recent records. I have.

The control unit 20 of the POS terminal 2 specifies, from the usage log data, the latest usage date and time indicating the usage type as a credit card. It is determined whether or not the use date and time is closer to the present time than a preset reference date and time (for example, a time several weeks before the present time or a time several days before the present time) (step S21). If the use date and time is closer to the present time than the reference date and time, credit is accepted, and if the reference date and time is closer to the present time than the use date and time, no credit is accepted.

The fact that the credit card use history is left means that credit card credit has been accepted at the time of use. Therefore, if the point of use is closer to the present time than the reference date and time, it is determined that the credit is likely to be recognized even at this time, and the credit is accepted.If the reference date and time is closer to the present time than the use time, Judge that it is highly probable that the credit will not be accepted, and will not accept the credit.

If the credit is not approved in step S21, the present processing is terminated to make the commodity transaction unsuccessful, or the purchaser is asked to pay for the commodity by cash or another method.

If it is determined in step S21 that the credit is accepted, the control unit 20 of the POS terminal 2 specifies the latest payment date and time and information on the payment place at that time from the payment log data (step S22). This is because the use conditions of the automatic deposit system according to the present embodiment do not allow automatic deposit processing to be performed continuously, and therefore, it is necessary to specify whether or not the previous deposit was performed by automatic deposit. Because there is. Based on this, the control unit 20 of the POS terminal 2 determines whether or not the specified latest payment location is a store (including a virtual store) (step S23).

When the control section 20 of the POS terminal 2 confirms that the deposit place is the store, it determines that the latest deposit processing is the automatic deposit processing from the shop, terminates this processing and does not establish the commodity transaction. Or ask the purchaser to pay for the item by cash or other means. If it is confirmed that the depositing place is not a store, the process proceeds to the automatic depositing process of step S11 in FIG. The subsequent processing procedure is the same as that shown in FIG.

According to this embodiment, even when the electronic money balance is smaller than the sales amount of the product desired to be purchased, it is possible to deposit electronic money without any trouble, which is an effect obtained in the first embodiment. In addition to the credit confirmation center 8
The automatic payment process can be completed in a very short time because no credit check is performed between the customer and the online connection and a credit list is used for the offline delivery, and the customer service can be further improved. In addition, there is an advantage that it is not necessary to construct an online confirmation system for connecting to the credit confirmation center 8 with the dedicated line 6 or a system for distributing a credit list, and the system can be operated at low cost.

[Fourth Embodiment] An IC card with an electronic money card function and an electronic money deposit system according to a fourth embodiment of the present invention will be described with reference to FIGS. First, a schematic configuration of the electronic money deposit system according to the present embodiment will be described with reference to FIG. FIG. 7 shows a network configuration in the present embodiment. The components having the same functions / actions as the components described in the above embodiment are denoted by the same reference numerals, and duplicate description will be omitted. In the following description of the present embodiment, the payment server is referred to as a POS for convenience.
Let's say Terminal 2.

As shown in FIG. 7, in the electronic money deposit system 1 according to the present embodiment, the POS terminal 2 of the virtual store which is connected to the communication network 32 and opens in the virtual store is installed in the virtual store. Virtual payment machine 34
And a communication terminal 30 of a product purchaser who accesses the POS terminal 2 or the virtual deposit machine 34 of the virtual store to purchase a product with the integrated IC card 10 or updates the electronic money balance. I have. The communication terminal 30 is connected to a read / write device 4 that performs wireless communication with the integrated IC card 10 to transmit and receive data.

The communication network 32 is a domestic or international value-added communication network (VAN), or a combination of them. The so-called Internet is a composite example of domestic and international value-added communication networks. Further, for example, a packet communication network used for data transfer with a mobile phone or the like, or a communication network including a digital public telephone line such as ISDN as a network component is also included. The communication network 32 of the present embodiment also includes a communication network in which a digital television broadcasting network (including both wireless and wired such as cable television) is linked to a public telephone line or the like. As described above, the communication network 32 of the present embodiment is a broad concept including any of these various forms of communication broadcasting networks and their complexes.

For example, when the communication network 32 is the Internet, a product purchaser connects a workstation or PC having an electronic mail transmission / reception function or a browser function to the communication network 32 via a dedicated line or a public line as a communication terminal. I do. The browser uses a predetermined URL (uniform resource resource) on the Internet.
Locator) to display a home page. A product purchase applicant can access a virtual store on the Internet via a browser to acquire product information, or transmit product purchase intentions and credit card information.

Further, the virtual store processes various requests (requests) regarding the product purchase from the product purchase applicant.
It has an OS terminal 2 so that it is possible to provide product information to a product purchaser via the Internet, and to transmit and receive data for proceeding with a product purchase with the product purchaser. ing. The POS terminal 2 of the virtual store is connected to the credit confirmation center 8 via a dedicated line 6 that is distinguished from the communication network 32.

Further, for example, when the communication network 32 is a network including a packet communication network, a purchaser of the product purchases the packet communication network using a mobile phone having an e-mail transmission / reception function and a browser function. It is possible to connect to a communication center via the communication center and to the Internet via the communication center to access a virtual shop and purchase a product.

The operation procedure in the electronic money deposit system 1 having the above configuration will be described with reference to FIGS. 1 to 7 and further to FIGS. 8 and 9. A product purchaser operates the communication terminal 30 to operate the communication network 32.
POS terminal 2 of a virtual store providing a homepage for e-commerce on the Internet
A description will be given using an example of connecting to. FIG. 8 shows a time-series procedure of electronic commerce between the communication terminal 30 of the product purchaser and the POS terminal 2 of the virtual store in the electronic money deposit system 1 according to the present embodiment. FIG. 9 shows a screen example of the homepage of the virtual shop displayed on the browser of the communication terminal 30 of the product purchaser in each operation procedure.

First, the product purchase applicant displays a web browser on the communication terminal 30 to display a predetermined URL addressed to the virtual store.
Is displayed, and the top page 50 of the virtual store as shown in FIG. 9 is displayed via the communication network 32. Next, the product purchase applicant positions the mouse pointer on, for example, the “product purchase site” button shown on the top page 50 and clicks it, and sends a display request for a product purchase screen (step S100).

The PO receiving the display request for the product purchase screen
The S terminal 2 displays a product purchase screen 52 as shown in FIG. 9 on the browser of the communication terminal 30 (step S1).
02). When a product purchaser inputs a search keyword for a desired product from a product purchase screen 52 on the communication terminal 30,
The POS terminal 2 searches the product database (not shown) based on the search keyword input by the product purchase applicant, and displays the search result on the product purchase screen 52.

When the product purchase applicant finds the desired product on the product purchase screen 52 displayed on the browser of the communication terminal 30, he / she places the mouse pointer on “purchase” on the product purchase screen 52 and clicks it. Then, a product purchase request is transmitted (step S103).

The POS of the virtual store that has received the product purchase request
The terminal 2 transmits data of the payment method selection screen 54 for selecting a payment method as shown in FIG. 9 and displays the data on the browser of the communication terminal 30 (step S10).
4). Here, when the product purchaser selects the payment by electronic money, an electronic money payment selection request is sent to the POS terminal 2 (step S105).

When the electronic money settlement selection request is received, the PO
The S terminal 2 transmits the data of the input promotion screen 56 such as “Please hold the card over the read / write device” as shown in FIG. 9 and displays the data on the browser of the communication terminal 30 (step S106).

[0102] The product purchase applicant is asked to
Of the integrated IC card 1 from the read / write device 4 via the communication terminal 30.
The card information of 0 is transmitted to the POS terminal 2 (step S107).

The card information of the integrated IC card 10 is PO
When transmitted to the S terminal 2, in step S108, the POS terminal 2 performs the same automatic deposit processing operation as the procedure from step S2 in FIG. 3 to step S14 in FIG. 4 in the first embodiment, for example. Since these operations are the same as those in the first embodiment, only a brief description will be given, and specific processing operations via the communication network 32 will be described below.

First, the control unit 20 of the POS terminal 2 stores the card information in the storage device 22 and determines whether the card has the function of an electronic money card based on the function type display data in the card information. It is determined whether or not it is (step S2 in FIG. 3). If the card does not have the function of an electronic money card, the processing shifts to processing such as displaying the payment method selection screen 54 again, and the operation of the electronic money deposit system 1 ends.

If the card has the function of an electronic money card and the electronic money balance R1 of the card is equal to or more than the sales amount S of the product, the POS terminal 2 displays the information on the browser of the communication terminal 30 as shown in FIG. Transaction completion screen 5 as shown
8 and the balance R2 for confirming the electronic money balance is displayed.

The control unit 20 of the POS terminal 2 sends the card information updated with the electronic money balance and the usage log to the communication terminal 30 substantially in synchronization with the display of the transaction completion screen 58. The communication terminal 30 transmits the data to the integrated IC card 10 via the read / write device 4 (step S1 in FIG. 4).
4). The control unit 14 of the integrated IC card 10 stores the received card information in the storage device 12 (Step S108-1 in FIG. 8).

The operation time in the above operation is within several seconds at the latest, and therefore, the operation is completed while the person who wants to purchase the product holds the integrated IC card. If the operation becomes slow for some reason, a timeout process may be provided to display a message on the browser of the communication terminal 30 prompting the reader / writer 4 to hold the integrated IC card 10 again.

Next, a case where it is determined in step S4 in FIG. 3 that the electronic money balance R1 is smaller than the sales amount S of the product will be described. First, if the card is not an integrated card, the operation of the electronic money deposit system 1 is terminated,
Payment method selection screen 5 is again displayed on the browser of communication terminal 30.
4 is displayed, and a message (not shown) for prompting the user to select another payment method is displayed (step S10 in FIG. 8).
8-2).

If the card is an integrated card but the consent data is “0”, the payment method selection screen 54 is displayed again on the browser of the communication terminal 30 and the message “Electronic money balance is insufficient. Is displayed, a message that the automatic deposit is not accepted is displayed, and the operation of the electronic money deposit system 1 is terminated (step S108-2). If the sum of the purchase electronic money balance R1 and the automatic deposit amount D is smaller than the sales amount S, a display is displayed from the POS terminal 2 to inquire the purchaser of the commodity whether to continue the automatic deposit procedure. If the user does not wish to continue the procedure, the operation of the electronic money deposit system 1 is terminated (step S
108-2).

If the automatic deposit processing can be continued, the POS
The control unit 20 of the terminal 2 sends a credit confirmation request to the credit confirmation center 8 via the dedicated line 6 (Step S109).

The credit confirmation center 8 selects the credit card company which issued the card based on the received credit card number, accesses the authentication database of the card company, and creates credit approval / disapproval data. The created credit approval / disapproval data is received by the POS terminal 2 (step S110).

The control unit 20 of the POS terminal 2 having received the credit approval / disapproval data shifts to the determination of the sale approval / disapproval. If it is determined that the credit is not accepted, the process is terminated and the commodity transaction is not established, or by another method. The transaction failure screen 60 shown in FIG. 9 is displayed on the browser as to whether the payment is to be made, and the purchaser is contacted (step S111).

When it is determined that the credit is accepted, the control unit 20 of the POS terminal 2 rewrites the electronic money balance in the card information in the storage device 22 to the balance R4, and updates the latest data of the usage log to the current product purchase data. After that, the card information in the storage device 22 is transmitted to the communication terminal 30 and is input to the integrated IC card 10 via the read / write device 4. At the same time, the transaction completion screen 58 shown in FIG. 9 is displayed on the browser, and the process ends (step S111).

As described above, according to the present embodiment, since the automatic payment is made to the multi-function integrated type IC card provided with the electronic money function, even if the balance of the electronic money becomes small, the virtual cash machine is bothersome. The operation of accessing the electronic money by filling the electronic money becomes unnecessary. For this reason, it is possible to perform electronic commerce using electronic money without any hassle.

The present invention is not limited to the above embodiment, but can be variously modified. For example, in the above embodiment, the POS is sent to the store as a component of the electronic money deposit system 1.
Although the terminal 2 is arranged, the present invention is not limited to this. Of course, an electronic cash register or a personal computer system without the POS function may be used instead of the POS terminal 2 in the above embodiment.

In the above embodiment, the non-contact type I
Although the C card has been described as an example, the present invention is not limited to this. The present invention is naturally applicable to a combination of a contact type IC card having a magnetic stripe attached thereto and a read / write device corresponding thereto.

In the above embodiment, the approval data which is one of the card information stored in the integrated IC card 10 is “0”, “3000”, “5000”, “10”.
Although there are four types of “000”, other types may be used, of course, and the increase / decrease of the types and the automatic deposit amount can be freely selected and adopted. In addition, only a shortage of the electronic money balance at the time of product purchase may be filled, or a system may be used in which the card user determines the automatic deposit amount on the spot at the time of automatic deposit.

In the first and second embodiments, continuous automatic deposit processing is not particularly limited. However, as in the third embodiment, steps S22 and S2 in FIG.
3 may be inserted at an appropriate position before step S11 in FIG. 4 to limit continuous automatic deposit processing. In the third embodiment, it is also possible to omit steps S22 and S23 in FIG. 6 so as not to limit the continuous automatic deposit processing.

In the above embodiment, a fee for the service may be collected from the user for the automatic deposit processing. As a result, abuse of the automatic depositing process can be prevented, and the risk on the service providing side can be reduced.

Although the electronic money deposit system of the present invention has been described in four embodiments for clarity of explanation, the electronic money deposit systems shown in these three embodiments are separately and independently. It is, of course, possible to operate the system or to operate each system in an integrated manner.

Further, in the above-described embodiment, a multifunction integrated card having both functions of an electronic money card and a credit card has been described as an example, but the present invention is not limited to this. For example, the present invention is similarly applicable to a multi-function integrated card having both functions of an electronic money card and a debit card. In this case, the name of the financial institution, the account number, etc. can be used as the information for credit confirmation instead of the credit card number and the data of the expiration date of the card information. Therefore, unique payment numbers include credit card numbers,
Includes financial institution account numbers.

In the above description, the automatic deposit processing by the POS terminal has been described as a function of the POS terminal. However, these are implemented as a program, and are stored on the POS terminal via a network or a recording medium such as a CD-ROM. May be installed. In this case, the operation after the installation is as described with reference to the first to fourth embodiments, and the description is omitted.

[0101]

As described above, according to the present invention, even when the electronic money balance at the time of product purchase is smaller than the sales amount of the product desired to be purchased, it is possible to deposit the electronic money without hassle.

[Brief description of the drawings]

FIG. 1 is a diagram showing a schematic configuration of an electronic money deposit system 1 according to a first embodiment of the present invention.

FIG. 2 is a diagram showing a schematic configuration of a multiple function integrated type IC card 10 used in the electronic money deposit system 1 according to the first embodiment of the present invention.

FIG. 3 is a flowchart showing an operation procedure in the electronic money deposit system 1 according to the first embodiment of the present invention.

FIG. 4 is a flowchart showing an operation procedure in the electronic money deposit system 1 according to the first embodiment of the present invention.

FIG. 5 is a diagram showing a change in the electronic money balance in the multi-function integrated IC card 10 in the electronic money deposit system 1 according to the first embodiment of the present invention.

FIG. 6 is a flowchart showing an operation procedure in the electronic money deposit system 1 according to the third embodiment of the present invention.

FIG. 7 is a diagram showing a schematic configuration of an electronic money deposit system 1 according to a fourth embodiment of the present invention.

FIG. 8 is a diagram showing, in chronological order, procedures of electronic commerce between a communication terminal 30 of a product purchaser and a POS terminal 2 of a virtual store in an electronic money deposit system 1 according to a fourth embodiment of the present invention.

FIG. 9 is a diagram showing an example of a screen of a homepage of a virtual shop displayed on a browser of a communication terminal 30 of a product purchaser in each operation procedure of the electronic money deposit system 1 according to the fourth embodiment of the present invention. is there.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Electronic money payment system 2 POS terminal 4 Read / write device 6 Dedicated line 8 Credit check center 10 Multiple function integrated type IC card 12 Storage device 14 Control unit 16 Communication control unit 18 Antenna 20 Control unit 22 Storage device 24 Display device 26 Printing apparatus

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI theme coat ゛ (Reference) G06K 17/00 G06K 17/00 R (72) Inventor Hiroshi Hayashi 1-1-1, Minamiaoyama, Minato-ku, Tokyo Sony Finance International Inc. F-term (reference) 2C005 MA04 MA40 MB02 MB10 NA08 NA09 SA04 SA06 SA12 SA13 5B058 CA23 YA01 YA20

Claims (22)

[Claims] An electronic money balance received from an IC card and a sales amount of a product; a determining unit for determining whether the electronic money balance is smaller than the sales amount; Payment means for performing payment processing in addition to the balance, and performing POS using electronic money
A terminal, having an electronic money card function and another settlement function, storing card information including electronic money balance data, and being able to read / write the electronic money balance data; An electronic card payment system, comprising: a control unit for updating the electronic money balance with electronic money received from the POS terminal after predetermined credit processing when the sales amount is less than the sales amount. 2. A POS terminal for performing settlement by electronic money, a decision unit for judging a balance between an electronic money balance received from an IC card and a sales amount of a product, and wherein the electronic money balance is smaller than the sales amount. A POS terminal comprising: a payment unit that performs a payment process by adding a fixed amount to a balance after a predetermined credit process. 3. The POS terminal according to claim 2, wherein the predetermined credit processing includes transmitting a credit confirmation request to a credit confirmation server using a unique settlement number, and based on a credit result from the credit confirmation server. A POS terminal including a process of determining whether credit is possible. 4. The POS terminal according to claim 3, wherein said unique payment number is a credit card number. 5. The POS terminal according to claim 3, wherein the unique payment number is an account number of a financial institution. 6. The POS terminal according to claim 2, wherein said predetermined credit processing includes processing for determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. 7. The POS terminal according to claim 2, wherein the predetermined credit processing extracts credit card usage log data stored in the IC card, and the usage date and time is closer to the present time than a preset reference date and time. A POS terminal including a process of determining whether or not a POS terminal is used. 8. An IC card having another settlement function in addition to an electronic money card function, wherein a storage device for storing and reading / writing card information including electronic money balance data; An IC card, comprising: a control unit for updating the electronic money balance by electronic money received from a POS terminal in a store after a predetermined credit processing when the sales amount is less than the sales amount of the product desired to be purchased. 9. The IC card according to claim 8, wherein the settlement function is a credit card function. 10. The IC card according to claim 8, wherein the payment function is a debit card function. 11. A program for performing settlement by electronic money, a determining means for judging a balance between an electronic money balance received from an IC card and a sales amount of a product, and when the electronic money balance is smaller than the sales amount, A settlement means for performing a settlement process by adding a fixed amount to a balance after a predetermined credit process. 12. The settlement program according to claim 11, wherein said predetermined credit processing transmits a credit confirmation request to a credit confirmation server using a unique settlement number, and based on a credit result from said credit confirmation server. A settlement program including a process of determining whether credit is possible. 13. The payment program according to claim 12, wherein said unique payment number is a credit card number. 14. The payment program according to claim 12, wherein said unique payment number is an account number of a financial institution. 15. The payment program according to claim 11, wherein said predetermined credit processing includes processing for determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. 16. The settlement program according to claim 11, wherein in the predetermined credit processing, use log data of a credit card stored in an IC card is extracted, and a use date and time is closer to the present time than a preset reference date and time. A payment program including a process of determining whether or not the settlement is performed. 17. A settlement method for performing settlement by electronic money, wherein the electronic money balance received from the IC card and the sales amount of the product are judged to be larger or smaller, and if the electronic money balance is smaller than the sales amount, a predetermined amount is determined. A settlement method characterized by performing a settlement process by adding a fixed amount to a balance after the credit process. 18. The settlement method according to claim 17, wherein in the predetermined credit processing, a credit confirmation request is transmitted to a credit confirmation server using a unique settlement number, and based on a credit result from the credit confirmation server. A settlement method comprising a process of determining whether credit is possible. 19. The payment method according to claim 18, wherein said unique payment number is a credit card number. 20. The settlement method according to claim 18, wherein the unique settlement number is an account number of a financial institution. 21. The settlement method according to claim 17, wherein said predetermined credit processing includes a step of judging whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. 22. The settlement method according to claim 17, wherein in the predetermined credit processing, use log data of a credit card stored in the IC card is extracted, and the use date and time are closer to the present time than a preset reference date and time. A settlement method including a process of determining whether or not the settlement is performed.