JP2003058803A - Electronic money system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To secure sufficient reliability by surely executing electronic money (E money) updating processing when E money stored in portable terminal equipment is used in a store. SOLUTION: At the time of being informed of an adjustment amount from an E money cash register, portable terminal equipment transmits a packet including E money to the cash register. The cash register receiving the packet transmits a packet including the E money and the adjustment amount to an E money settlement server. The server receiving the packet subtracts the adjustment amount from the E money, updates the E money of the terminal equipment which is stored in a storage device and transmits a packet including the updated E money and adjustment end to the cash register. The cash register receiving the packet transmits the packet including the updates E money to the terminal equipment. The terminal equipment receiving the packet updates the E money of the storage device in accordance with the E money of the packet.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money system for handling electronic money, and more particularly to an electronic money system using a portable terminal device capable of holding electronic money.

[0002]

2. Description of the Related Art For example, in Japanese Unexamined Patent Publication No. 11-184947, a POS terminal device is provided with a function of a base station for the PHS terminal device, and electronic money data required from a PHS terminal device holding electronic money is POS terminal. The POS terminal device performs electronic money settlement processing and the like, and the store notifies the electronic money settlement company of the result of the settlement processing.

[0003]

In the above-mentioned publication, since the POS terminal device performs the settlement process of electronic money, all POS terminal devices that handle electronic money must have a function of processing electronic money. There was a problem to be solved. In particular, in large stores, there are multiple checkout locations within the store, and POS terminal devices are installed in each, so
It is difficult to provide all of these POS terminal devices with a function of processing electronic money, and to operate the electronic money processing functions of each electronic terminal with sufficient reliability for a long period of time.

Therefore, according to the present invention, electronic money stored in a portable terminal device is transmitted to a dedicated management device for managing electronic money via a cash register, and the management device centrally updates the electronic money. By performing the processing, the electronic money update processing is reliably performed when the electronic money stored in the mobile terminal device is used in a store, and an electronic money system that can ensure sufficient reliability is provided.

[0005]

The invention according to claim 1 is
The mobile terminal device stores electronic money that can be used like cash, a management device that manages electronic money, and a cash register that communicates between the mobile terminal device and the management device. Sending electronic money to the cash register, the cash register sends the received electronic money and the settlement amount to be paid by the owner of the mobile terminal device to the management device, and the management device receives the amount of the received electronic money. The electronic money is reduced and updated by subtracting the settlement amount received from, and the updated electronic money is transmitted to the cash register, and the cash register receives the updated electronic money and transmits it to the mobile terminal device, The terminal device is in an electronic money system that stores the received updated electronic money.

The invention according to claim 2 is a portable terminal device for storing electronic money that can be used in the same manner as cash, a management device for managing electronic money, and a cash registration for communication between the portable terminal device and the management device. The mobile terminal device transmits the stored electronic money to the cash register, and the cash register sends the received electronic money and the amount of change generated by the cash payment to the management device. , The received amount of fishing money is added to the amount of received electronic money, the electronic money is increased and updated, and the updated electronic money is transmitted to the cash register, and the cash register receives the updated electronic money and carries it. The mobile terminal device is in an electronic money system that stores the updated electronic money that is transmitted to the terminal device.

The invention according to claim 3 is a portable terminal device for storing electronic money that can be used in the same manner as cash, a management device for managing electronic money, and a cash registration for communication between the portable terminal device and the management device. The cash register includes a cash storage device, the mobile terminal device transmits the stored electronic money to the cash register, and the cash register converts the received electronic money and electronic money into cash. To the management device, the management device subtracts the received cash amount from the received amount of electronic money to update the electronic money, and sends the updated electronic money to the cash register to send the money. The registration machine receives the updated electronic money, enables the cash storage device to withdraw, and transmits the received electronic money to the mobile terminal device, and the mobile terminal device stores the received updated electronic money. That is in the electronic money system.

[0008] According to a fourth aspect of the present invention, a portable terminal device that stores electronic money that can be used in the same manner as cash, a management device that manages electronic money, a cash register that communicates with the portable terminal device, and this cash It comprises a store server that communicates between the registration machine and the management device, the mobile terminal device is provided with wireless communication means for directly wirelessly communicating with the cash registration device, and the cash registration device is connected to the mobile terminal device. The store server is provided with a communication means for communicating directly with each other via a communication network, and the mobile terminal device is a cash register for the stored electronic money. Send to the machine,
The cash register sends the received electronic money and the settlement amount to be paid by the owner of the mobile terminal device to the store server, the store server sends the received electronic money and the settlement amount to the management device, and the management device The settlement amount received is subtracted from the received amount of electronic money to update the electronic money at a reduced amount, the updated electronic money is sent to the store server, and the store server sends the received updated electronic money to the cash register. ,
The cash register transmits the received update electronic money to the mobile terminal device, and the mobile terminal device is in an electronic money system that stores the received update electronic money.

According to a fifth aspect of the present invention, a portable terminal device for storing electronic money that can be used like cash, a management device for managing electronic money, a cash register for communicating with the portable terminal device, and the cash It comprises a store server that communicates between the registration machine and the management device, the mobile terminal device is provided with wireless communication means for directly wirelessly communicating with the cash registration device, and the cash registration device is connected to the mobile terminal device. The store server is provided with a communication means for communicating directly with each other via a communication network, and the mobile terminal device is a cash register for the stored electronic money. Send to the machine,
The cash register sends the received electronic money and the amount of change generated by cash payment to the store server, the store server sends the received amount of electronic money and the change amount generated by cash payment to the management device, and the management device , The amount of fishing money received is added to the amount of received electronic money to increase and update the electronic money, the updated electronic money is transmitted to the store server, and the store server transmits the received updated electronic money to the cash register. The cash register transmits the received update electronic money to the mobile terminal device, and the mobile terminal device is in the electronic money system that stores the received update electronic money.

The invention according to claim 6 is a portable terminal device for storing electronic money which can be used in the same manner as cash, a management device for managing electronic money, a cash register for communicating with the portable terminal device, and the cash. It comprises a store server that communicates between the registration machine and the management device, the mobile terminal device is provided with wireless communication means for directly wirelessly communicating with the cash registration device, and the cash registration device is connected to the mobile terminal device. The store server is provided with a communication means for communicating directly with each other via a communication network, and the mobile terminal device is a cash register for the stored electronic money. Send to the machine,
The cash register sends the received electronic money and the cash amount for converting the electronic money into cash to the store server, the store server sends the received electronic money and the cash amount to the management device, and the management device receives The received cash amount is subtracted from the amount of electronic money to update and reduce the electronic money, and the updated electronic money is sent to the store server. The store server sends the received updated electronic money to the cash register, and the money is transferred. The registration machine receives the updated electronic money, enables the cash storage device to withdraw money, and transmits the received electronic money to the mobile terminal device. The mobile terminal device stores the received updated electronic money. In the system.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. (First Embodiment) FIG. 1 is a diagram showing the configuration of the entire system. In this system, a portable terminal device 1, electronic money can be used, and an electronic money cash register 2, a store server device, which is a store terminal device. It is a system that is constructed in the store and is composed of the electronic money payment server 4 that is a management device.

[0012] The portable terminal device 1 wirelessly communicates with the electronic money cash register 2, and this wireless communication uses a wireless line which is not charged a communication fee even if the communication is carried out, such as Bluetooth or PHS. The local mode, wireless LAN, etc. are used. The electronic money cash register 2
Communicates with the store server 3 and the electronic money payment server 4 via a cable 5. When there are a plurality of electronic money cash register machines 2 in the store, each electronic money cash register machine communicates with the shop server 3 and the electronic money settlement server 4 via the cable 5.

The portable terminal device 1, electronic money cash register 2, store server 3 and electronic money settlement server 4 are shown in FIG.
It has the configuration shown in. That is, the mobile terminal device 1 is provided with a terminal management unit 11, a wireless communication unit 12 for electronic money, a display device 13, a storage device 14, an input key 15, a wireless communication unit 16 for public line, and a voice input / output device 17, The operation is controlled by the terminal management unit 11.

The electronic money cash register 2 is provided with a cash register manager 21, an electronic money wireless communication unit 22, a local area LAN communication unit 23, a storage device 24 and an input / output device 25, and the money cash register management device is provided. The operation is controlled by the section 21. The store server 3 includes a server management unit 31, a local area LAN communication unit 32, a storage device 33, an input / output device 34, and a communication unit 3 outside the store.
5, the operation is controlled by the server management unit 31. The electronic money payment server 4 includes a payment server management unit 41, a local area LAN communication unit 42,
A storage device 43 and an input / output device 44 are provided, and the operation is controlled by the payment server management unit 41.

In the portable terminal device 1, the electronic money wireless communication unit 12 wirelessly transmits the packet created by the terminal management unit 11, and the electronic money wireless communication unit 22 of the electronic money cash register 2 transmits the packet. It is designed to receive a wireless signal. The display 13 displays characters, numbers, etc., the storage device 14 stores identification information identifying itself, electronic money, etc., and the input key 15 is used to operate the mobile terminal device 1. Has become. The public line wireless communication unit 16 performs wireless communication with a base station of the public line network, and the voice input / output device 1
Reference numeral 7 includes a microphone for voice input and a speaker for voice output.

In the electronic money cash register 2, the electronic money wireless communication unit 22 performs wireless communication with the portable terminal device 1 using electronic money, and the local area LAN communication unit 23 is connected to the store via the wire 5. It communicates with the server 3 and the electronic money payment server 4. Further, the storage device 24 stores its own identification information, the identification information of the store server 3, the identification information of the electronic money payment server 4, and the POS.
Stores data etc. The input / output device 25 includes an input key, a barcode scanner, a card reader, a display,
It consists of a receipt issuing machine, drawer, change machine, etc.

In the store server 3, the local area LAN communication unit 32 communicates with the electronic money cash register 2 and the electronic money settlement server 4 via the wire 5, and the storage device 33 stores its own identification information and Identification information of the electronic money cash register 2 and identification information of the electronic money payment server 4 and POS
Stores information, etc. The input / output device 34 constitutes a human interface with a keyboard, a display, etc., and the communication unit 35 with the outside of the store communicates with the communication device outside the store.

In the electronic money settlement server 4, the local area LAN communication unit 42 communicates with the electronic money cash register 2 and the store server 3 via the wire 5, and the storage device 43 stores its own identification information and It stores identification information of the store server 3, identification information of the electronic money cash register 2, information about electronic money, and the like. The input / output device 44 constitutes a human interface with a keyboard and a display.

Next, the processing procedure of the portable terminal device 1, the electronic money cash register 2, and the electronic money settlement server 5 will be described with reference to FIG.

When a person who owns the portable terminal device 1 approaches the electronic money cash register 2 and comes to a place where wireless communication is possible, the wireless communication unit 1 for electronic money of the portable terminal device 1 is provided.
2 and the electronic money wireless communication unit 22 of the electronic money cash register 2 can wirelessly communicate with each other, the portable terminal device 1 is ST101, and the electronic money cash register 2 is ST2.
A connection process is performed at 01 to establish a wireless communication link between them. When the wireless communication link is established, the mobile terminal device 1 has acquired the identification information of the electronic money cash register 2, and the electronic money cash register 2 has the mobile terminal device 1.
The identification information of is acquired.

In ST202, the electronic money cash register 2 registers the item purchased by the person who owns the portable terminal device 1. At this time, the electronic money cash register 2 transmits the product code to the store server 3, and the store server 3 performs a process of sending back the price corresponding to the product code to the electronic money cash register 2. Then, in ST203, the payment amount of the purchased product is calculated, and in ST204, the owner of the mobile terminal device 1 is notified of the payment amount. In this case, the electronic money cash register 2
The payment amount may be displayed and notified on the display of the input / output device 25, or the payment amount may be transmitted to the mobile terminal device 1 and displayed and notified on the display 13 of the mobile terminal device 1.

After that, the mobile terminal device 1 creates a packet 101 including a settlement notification and electronic money as shown in FIG. 4 in ST102 and sends it to the electronic money cash register 2. When the electronic money cash register 2 receives the packet 101 in ST205, in ST206, the packet 102 including the electronic money and the settlement amount as shown in FIG.
And creates the packet 10 in the electronic money payment server 4.
Send 2.

Upon receiving the packet 102 in ST301, the electronic money settlement server 4 compares the electronic money included in the packet 102 with the electronic money of the portable terminal device 1 stored in the storage device 43 in ST302. Authentication is performed, and when the authentication is obtained, the settlement amount is subtracted from the electronic money and the electronic money is updated based on the result of the subtraction. The updated electronic money is stored in the storage device 43. Subsequently, in ST303, a packet 103 including the updated electronic money and the settlement completion as shown in FIG. 4 is created and transmitted to the electronic money cash register 2.

Upon receipt of the packet 103 in ST207, the electronic money cash register 2 determines that the settlement of the electronic money is normally completed, and in ST208, the updated electronic money as shown in FIG. Packet 10 containing money
4 is created and transmitted to the mobile terminal device 1.

When the mobile terminal device 1 receives the packet 104 in ST103, the storage device 1 receives the packet 104 based on the updated electronic money in ST104.
The electronic money stored in 4 is updated. Thus
When the settlement process using electronic money is completed, the mobile terminal device 1 performs a wireless communication link disconnection process in ST105, and the electronic money cash register 2 performs a wireless communication link disconnection process in ST209.

As described above, the electronic money cash register 2 is
Only the transmission of electronic money between the mobile terminal device 1 and the electronic money payment server 4 is relayed, and it is not necessary to update the electronic money. Then, the electronic money settlement server 4 centrally performs the update processing of the electronic money. Therefore, the load on the electronic money cash register 2 can be reduced, and moreover, the electronic money update process can be reliably performed and sufficient reliability can be ensured.

The packet to be transmitted from the electronic money settlement server 4 to the electronic money cash register 2 is sent to the electronic money cash register 2 and the packet containing the settlement completion notification and the portable terminal device 1 are updated. The packet may be transmitted in two packets including electronic money.

(Second Embodiment) The system configuration of this embodiment is the same as that of the first embodiment described above.
It has the configuration shown in FIGS. 1 and 2. In the first embodiment, the settlement process using only electronic money has been described, but in the present embodiment, the settlement process when cash and electronic money are used together will be described.

The settlement process is indicated by the line A in FIG.
5 is the only difference, and that part is shown in FIG. That is, when the mobile terminal device 1 and the electronic money cash register 2 are connected to each other to establish a wireless communication link between them and calculate and notify the payment amount of the purchased product, the mobile terminal device 1 returns to the ST
At 112, a packet containing a cash combination notification and electronic money in which the settlement notification of the packet 101 in FIG. 4 is replaced with the cash combination notification is created and transmitted to the electronic money cash register 2. The electronic money cash register 2 is the mobile terminal device 1 in ST215.
Receive packets from and receive cash combination notification and electronic money.

The electronic money cash register 2 registers cash from the customer who owns the portable terminal device 1 in ST216. Then, in ST217, the registered cash amount is subtracted from the calculated settlement amount to calculate a new settlement amount, and S
At T218, the electronic money and the new settlement amount are transmitted to the electronic money settlement server 4. Electronic money payment server 4
In ST311, the electronic money and the settlement amount are received. The subsequent processing is the same as in FIG.

As described above, when electronic money and cash are used in combination, the amount of money obtained by subtracting cash from the amount of settlement is settled by electronic money as a new amount of settlement.
Also in this embodiment, the electronic money cash register 2 only relays the transmission of electronic money between the mobile terminal device 1 and the electronic money settlement server 4, and does not need to perform the electronic money update process. Further, the electronic money settlement server 4 centrally performs the electronic money update processing. Therefore, the same effect as that of the first embodiment can be obtained.

The packet to be transmitted from the mobile terminal device 1 to the electronic money cash register 2 may be transmitted as two packets including a packet containing electronic money and a packet containing information such as cash combination notification.

(Third Embodiment) The system configuration of this embodiment is the same as that of the first embodiment described above.
It has the configuration shown in FIGS. 1 and 2. In the first embodiment, the settlement process using only electronic money has been described. However, in the present embodiment, a settlement process will be described in which payment is made in cash and the change generated at that time is converted into electronic money and received. .

The settlement process is indicated by A surrounded by the one-dot chain line in FIG.
6 is the only difference between the two parts and is shown in FIG. That is, when the mobile terminal device 1 and the electronic money cash register 2 are connected to each other to establish a wireless communication link between them and calculate and notify the payment amount of the purchased product, the mobile terminal device 1 returns to the ST
At 122, a packet 111 including the request for converting the change into electronic money and the electronic money as shown in FIG. 7 is created and transmitted to the electronic money cash register 2.

In ST225, the electronic money cash register 2 receives the packet 111 from the portable terminal device 1 and receives the request for converting the change into electronic money and the electronic money. Then, in ST226, cash from the customer who owns the mobile terminal device 1 is registered, and the settlement amount is subtracted from the registered cash to calculate fishing. Then, in ST227, FIG.
Packet 11 containing electronic money and the amount of change as shown in
2 is created and transmitted to the electronic money payment server 4. The electronic money payment server 4 sends the packet 11 in ST321.
Receive 2 and receive electronic money and change amount. afterwards,
The electronic money settlement server 4 converts the amount of change into electronic money, adds it to the electronic money, and updates the electronic money. The subsequent processing is the same as in FIG. The packet transmitted from the electronic money settlement server 4 to the electronic money cash register 2 is a packet 113 including the exchanged and updated electronic money as shown in FIG. 7, which is carried by the electronic money cash register 2. The packet transmitted to the terminal device 1 is a packet 1 containing updated electronic money as shown in FIG.
It is 14.

In this way, when the cash payment is made and the change generated at that time is transferred to the electronic money,
The settlement amount is subtracted from the cash paid by the electronic money cash register 2 to calculate the change amount, which is transmitted to the electronic money settlement server 4, and the electronic money settlement server 4 which received the change amount.
Converts the amount of change into electronic money and updates the electronic money. Therefore, also in this embodiment, the electronic money cash register 2 only relays the transmission of the electronic money between the mobile terminal device 1 and the electronic money settlement server 4, and does not need to perform the update processing of the electronic money. Then, the electronic money settlement server 4 centrally performs the update processing of the electronic money. Therefore, the same effect as that of the first embodiment can be obtained.

(Fourth Embodiment) The system configuration of this embodiment is the same as that of the first embodiment described above.
It has the configuration shown in FIGS. 1 and 2. Although the settlement process using only electronic money has been described in the first embodiment, in the present embodiment, a process when the person who owns the mobile terminal device 1 converts the electronic money into cash will be described with reference to FIG.
Based on.

When the portable terminal device 1 performs connection processing in ST131 and the electronic money cash register 2 in ST231 to establish a wireless communication link between them, the portable terminal device 1
In ST132, a packet 121 including a cash conversion request, a cash amount, and electronic money as shown in FIG. 9 is created and transmitted to the electronic money cash register 2.

In ST232, the electronic money cash register 2 receives the packet 121, and receives the cash conversion request, the cash amount, and the electronic money. Then, in ST233, a packet 122 including a cash conversion request, a cash amount, and electronic money as shown in FIG. 9 is created and transmitted to the electronic money settlement server 4.

When the electronic money settlement server 4 receives the packet 122 in ST331 and receives the cash conversion request, the cash amount and the electronic money, in ST332 the packet 122 is received.
The electronic money is updated by subtracting the amount corresponding to the cash amount from the electronic money of. Then, the updated electronic money is stored in the storage device 43. Then, in ST333,
As shown in FIG. 9, a packet 123 including the updated electronic money, cash payment command, and payment amount is created and transmitted to the electronic money cash register 2.

In ST234, the electronic money cash register 2 receives the packet 123 and receives a cash payment command. Then, in ST235, a packet 124 including the updated electronic money as shown in FIG. 9 is created and transmitted to the mobile terminal device 1. Subsequently, in ST236, a cash payment command is executed, and the payment amount included in the packet 123 is discharged from the change machine of the input / output device 25. Alternatively, the payment amount may be displayed on the display of the electronic money cash register 2 and the drawer may be opened so that the clerk can retrieve the displayed payment amount from the drawer.

When mobile terminal device 1 receives packet 124 in ST133, it receives packet 1 in ST134.
The electronic money is updated based on the updated electronic money in 24. Then, the owner of the mobile terminal device 1 receives the amount of money requested for redemption from the electronic money cash register 2 side.

When the series of cashing process is completed in this way, the portable terminal device 1 performs the disconnection process of the wireless communication link in ST135, and the electronic money cash register 2 proceeds to ST237.
The disconnection process of the wireless communication link is performed.

By doing so, the person who owns the portable terminal device 1 can convert the electronic money into cash. And in this case also, the electronic money cash register 2
Only relays the transmission of electronic money between the mobile terminal device 1 and the electronic money settlement server 4, and does not need to update the electronic money. Then, the electronic money settlement server 4 centrally performs the update processing of the electronic money.
Therefore, the same effect as that of the first embodiment can be obtained.

(Fifth Embodiment) The first to fourth embodiments have been described for the case where the electronic money settlement server is provided in the store, but in the present embodiment, the electronic money settlement server is provided outside the store. It is provided. The same parts are designated by the same reference numerals and detailed description thereof will be omitted.

FIG. 10 is a diagram showing the configuration of the entire system. In this system, a portable terminal device 1, an electronic money cash register 2, and a store server 3 connected to the electronic money cash register 2 via a cable 5 are shown. Is installed in a store, the store server 3 is connected to a communication line network 6 outside the store, and an electronic money settlement server 7 and a financial institution 8 are connected to the communication line network 6.

FIG. 11 is a block diagram showing the configuration of the mobile terminal device 1, the electronic money cash register 2, the store server 3, and the electronic money settlement server 7. The mobile terminal device 1, the electronic money cash register 2, and the store server 3 are the same as those in FIG. The difference is the configuration of the electronic money payment server 7,
Payment server management unit 71, communication unit 7 for communication network
2. A storage device 73 and an input / output device 74 are provided, and the operation is controlled by the payment server management unit 71.

The communication line communication unit 72 communicates with the store server 3 or the financial institution 8 via the communication line network 6. The storage device 73 stores its own identification information, the identification information of the store server 3, the identification information of the financial institution 8, information about electronic money, and the like. The input / output device 74 constitutes a human interface with a keyboard and a display.

The financial institution 8 communicates with the electronic money settlement server 7 and the like via the communication network 6, and has an account of a store and an account of the electronic money settlement server 7.

Next, the processing procedure of the portable terminal device 1, the electronic money cash register 2, the store server 3, and the electronic money settlement server 7 will be described with reference to FIG.

When the person who owns the portable terminal device 1 approaches the electronic money cash register 2 and comes to a place where wireless communication is possible, the electronic money wireless communication unit 1 of the portable terminal device 1 is reached.
2 and the electronic money wireless communication unit 22 of the electronic money cash register 2 can wirelessly communicate with each other, the mobile terminal device 1 is ST141, and the electronic money cash register 2 is ST.
Connection processing is performed at 241 to establish a wireless communication link between them. And when the wireless communication link is established,
The mobile terminal device 1 has acquired the identification information of the electronic money cash register 2, and the electronic money cash register 2 has acquired the identification information of the mobile terminal device 1.

In ST242, the electronic money cash register 2 registers the items purchased by the person who owns the portable terminal device 1. At this time, the electronic money cash register 2 transmits the product code to the store server 3, and the store server 3 sends ST44.
At 1, a process of sending the price corresponding to the product code to the electronic money cash register 2 is performed.

After registering all the purchased items, the electronic money cash register 2 calculates the settlement amount of the purchased items in ST243 and informs the owner of the portable terminal device 1 of the settlement amount in ST244. In this case, the electronic money cash register 2
The payment amount may be displayed and notified on the display of the input / output device 25, or the payment amount may be transmitted to the mobile terminal device 1 and displayed and notified on the display 13 of the mobile terminal device 1.

After that, in ST142, the portable terminal device 1 creates a packet 101 including a settlement notification and electronic money as shown in FIG. 4, and sends it to the electronic money cash register 2. When the electronic money cash register 2 receives the packet in ST245, the electronic money cash register 2 includes the settlement amount and electronic money in which the head of the packet 102 in FIG. 4 is replaced with the electronic money payment server identification information from the store server identification information in ST246. A packet is created and transmitted to the store server 3.

In ST442, the store server 3 receives the packet and stores it in the storage device 33 as information in which the electronic money cash register identification information and the portable terminal device identification information included in the packet are associated with each other. Then, in ST443, a packet in which the head of the received packet is replaced with the electronic money payment server identification information and the next is replaced with the shop server identification information is created, and this packet is communicated with the communication unit 3 outside the shop.
5 to the electronic money settlement server 7 via the communication network 6.
To transmit.

When the electronic money payment server 7 receives the packet from the store server 3 in ST341, ST3
At 42, the electronic money included in this packet is compared with the electronic money of the portable terminal device 1 stored in the storage device 73 to perform authentication, and when the authentication is obtained, the settlement amount is subtracted from the electronic money, and this subtraction is performed. The electronic money is updated based on the result. The updated electronic money is stored in the storage device 73. Subsequently, in ST343, store server identification information, electronic money payment server identification information, settlement completion notification,
A packet including mobile terminal device identification information and updated electronic money is created, and the store server 3 is connected via the communication network 6.
To transmit.

Upon receipt of the packet in ST444, the shop server 3 receives the packet from the portable terminal device identification information included in this packet and the portable terminal device identification information stored in the storage device 33, and sends this packet to electronic money. It is determined to transmit to the registration machine 2. Then, a packet in which the head of the packet received in ST445 is replaced with the electronic money cash register identification information and the next is replaced with the store server identification information is created and transmitted to the electronic money cash register 2.

Upon receipt of the packet from the store server in ST247, the electronic money cash register 2 determines that the settlement of the electronic money is normally completed, and in ST248, the head of the received packet is set to the mobile terminal. Instead of the device identification information, the following is replaced with the electronic money cash register identification information, and a packet including the updated electronic money is created and transmitted to the mobile terminal device 1.

When the mobile terminal device 1 receives the packet from the cash register 2 in ST143, it updates the electronic money stored in the storage device 14 in ST144. In this way, when the settlement process using electronic money is completed, the mobile terminal device 1 performs the wireless communication link disconnection process in ST145, and the electronic money cash register 2 proceeds to ST24.
At step 9, disconnection processing of the wireless communication link is performed.

In ST344, the electronic money payment server instructs the financial institution 8 to transfer the amount of money corresponding to the updated electronic money from the account of the organization operating the electronic money payment server in the financial institution 8 to the store account. .

Note that the electronic money settlement server 7 does not transfer the account to the financial institution 8 every time the electronic money is updated, but instead, for example, the processing of updating the electronic money for one day is collectively performed. It is more efficient to transfer money to the account.

As described above, the electronic money cash register 2 and the store server 3 only relay the transmission of electronic money between the portable terminal device 1 and the electronic money settlement server 7, and need to update the electronic money. There is no. Then, the electronic money settlement server 7 centrally performs the electronic money update processing. Therefore, the burden on the electronic money cash register 2 and the store server 3 can be reduced, and moreover, the electronic money update process can be reliably performed, and sufficient reliability can be secured.

(Sixth Embodiment) The system configuration of this embodiment is the same as that of the fifth embodiment described above.
It has the configuration shown in FIGS. 10 and 11. In the fifth embodiment, the settlement process using only electronic money has been described, but in the present embodiment, the settlement process when cash and electronic money are used together will be described.

The settlement processing is different only in the portion B surrounded by the alternate long and short dash line in FIG. 12, and that portion is shown in FIG. That is, when the mobile terminal device 1 and the electronic money cash register 2 are connected to each other to establish a wireless communication link between them and calculate and notify the payment amount of the purchased product, the mobile terminal device 1
In ST152, a packet containing a cash combination notification and electronic money in which the settlement notification of the packet 101 in FIG. 4 is replaced with the cash combination notification is created and transmitted to the electronic money cash register 2.
In ST255, the electronic money cash register 2 receives the packet from the mobile terminal device 1, and receives the cash combination notification and the electronic money.

In ST256, the electronic money cash register 2 registers cash from the customer who owns the portable terminal device 1. Then, in ST257, the registered cash amount is subtracted from the calculated settlement amount to calculate a new settlement amount.
At T258, the electronic money and the new settlement amount are transmitted to the store server 3.

Upon receiving the electronic money and the settlement amount in ST452, the store server 3 transmits the electronic money and the settlement amount to the electronic money settlement server 7 via the communication line network 6 in ST453. Electronic money settlement server 7
Receives the electronic money and the settlement amount in ST351. Subsequent processing is the same as in FIG.

As described above, when electronic money and cash are used in combination, the amount obtained by subtracting cash from the settlement amount is used as a new settlement amount, and the settlement process is performed by the electronic money.
Also in this embodiment, the electronic money cash register 2 and the store server 3 only relay the transmission of the electronic money between the mobile terminal device 1 and the electronic money settlement server 7, and perform the electronic money update process. No need. In addition, the electronic money settlement server 7 centrally performs the electronic money update processing. Therefore, the same effect as that of the fifth embodiment can be obtained.

(Seventh Embodiment) The system configuration of this embodiment is the same as that of the fifth embodiment described above.
It has the configuration shown in FIGS. 10 and 11. In the fifth embodiment, the settlement process using only electronic money has been described, but in the present embodiment, payment is made in cash,
The settlement process of converting the change generated at that time into electronic money and receiving it will be described.

The settlement process is different only in the portion B surrounded by the one-dot chain line in FIG. 12, and that portion is shown in FIG. That is, when the mobile terminal device 1 and the electronic money cash register 2 are connected to each other to establish a wireless communication link between them and calculate and notify the payment amount of the purchased product, the mobile terminal device 1
In ST162, a packet 111 including a request for converting the change into electronic money and the electronic money as shown in FIG. 7 is created and transmitted to the electronic money cash register 2.

In ST265, the electronic money cash register 2 receives the packet from the portable terminal device 1 and receives the request for converting the change into electronic money and the electronic money. And ST
At 266, cash from the customer who owns the mobile terminal device 1 is registered, and the settlement amount is subtracted from the registered cash to calculate the fishing. Then, in ST267, a packet including the amount of change and electronic money in which the head of the packet 112 shown in FIG. 7 is replaced with the store server identification information from the electronic money settlement server identification information is created and transmitted to the store server 3.

When the store server 3 receives the packet from the electronic money cash register 2 in ST462, the store server 3 returns to ST46.
In 3, a packet is created by replacing the head of the received packet with the electronic money payment server identification information and the next with the shop server identification information, and transmits the packet to the electronic money payment server 7 via the communication network 6.

In ST361, the electronic money settlement server 7 receives the packet and receives the electronic money and the amount of change.
After that, the electronic money settlement server 7 converts the fishing amount into electronic money, adds it to the electronic money, and updates the electronic money. Subsequent processing is the same as that of FIG. 12 except that the instruction to transfer money to the store account in ST344 of FIG. 12 is replaced with the instruction to withdraw from the store account.

In this way, when the cash payment is made and the change generated at that time is transferred to the electronic money,
The settlement amount is subtracted from the cash paid by the electronic money cash register 2 to calculate the fishing amount, which is transmitted to the electronic money settlement server 7 via the store server 3 and received by the electronic money settlement server. 7 converts the fishing amount into electronic money and updates the electronic money. Therefore, also in this embodiment, the electronic money cash register 2 and the store server 3
Only relays the transmission of electronic money between the mobile terminal device 1 and the electronic money settlement server 7, and does not need to perform the electronic money update process. Then, the electronic money settlement server 7 centrally performs the electronic money update processing.
Therefore, the same effect as that of the fifth embodiment can be obtained.

(Eighth Embodiment) The system configuration of this embodiment is the same as that of the fifth embodiment described above.
It has the configuration shown in FIGS. 10 and 11. In the fifth embodiment, the settlement process using only electronic money has been described, but in the present embodiment, the process when the person who owns the mobile terminal device 1 converts the electronic money into cash will be described with reference to FIG. Based on.

The portable terminal device 1 performs connection processing in ST171, the electronic money cash register 2 performs connection processing in ST271,
When the wireless communication link between them is established, the mobile terminal device 1
In ST172, a packet 121 including a cash conversion request, a cash amount, and electronic money as shown in FIG. 9 is created and transmitted to the electronic money cash register 2.

When the electronic money cash register 2 receives the packet 121 in ST 272, in ST 273 the cash request is made by replacing the leading electronic money settlement server identification information of the packet 122 shown in FIG. 9 with the store server identification information. Then, a packet containing the cash amount and electronic money is created and transmitted to the store server 3.

When the store server 3 receives the packet from the electronic money cash register 2 in ST471, the store server 3 returns to ST4.
At 72, a packet including a cashing request, the cashing amount, and electronic money in which the second electronic money cash register identification information of the packet 122 shown in FIG. And sends it to the electronic money settlement server 7.

In ST371, the electronic money settlement server 7 receives the packet, and receives the cash exchange request, the cash exchange amount, and the electronic money. After that, the electronic money payment server 7
At 372, the electronic money is updated by subtracting the amount of money corresponding to the cash amount from the electronic money of the received packet.
Then, the updated electronic money is stored in the storage device 73. Then, in ST373, the packet 12 shown in FIG.
A packet including updated electronic money, a cash payment instruction, and a payment amount is created by replacing the leading electronic money cash register identification information of 3 with the shop server identification information, and is sent to the shop server 3 via the communication network 6. Send.

The store server 3 receives the packet from the electronic money settlement server 7 in ST473, and ST474
Then, a packet containing updated electronic money, a cash payment instruction, and a payment amount is created by replacing the second electronic money payment server identification information of the packet 123 shown in FIG. Send to the registration machine 2.

The electronic money cash register 2 receives the packet from the store server 3 in ST274 and receives a cash payment command. Then, in ST275, a packet 124 including the updated electronic money as shown in FIG. 9 is created and transmitted to the mobile terminal device 1. Subsequently, in ST276, a cash payment command is executed, and the payment amount included in the received packet is discharged from the change machine of the input / output device 25. Alternatively, the payment amount may be displayed on the display of the electronic money cash register, the drawer may be opened, and the clerk may retrieve the displayed payment amount from the drawer.

When the mobile terminal device 1 receives the packet from the electronic money cash register 2 in ST173, the mobile terminal device 1 returns to ST
At 174, electronic money is updated based on the updated electronic money in the packet. Then, the mobile terminal device 1
The owner of the electronic money cash register machine 2
Receive from the side.

When a series of cashing process is completed in this way, the portable terminal device 1 performs a wireless communication link disconnection process in ST175, and the electronic money cash register 2 proceeds to ST277.
The disconnection process of the wireless communication link is performed.

By doing so, the person who owns the portable terminal device 1 can convert the electronic money into cash. Also in this case, the electronic money cash register 2 and the store server 3 only relay the transmission of the electronic money between the mobile terminal device 1 and the electronic money settlement server 7, and do not need to perform the update processing of the electronic money. . Then, the electronic money settlement server 7 centrally performs the electronic money update processing. Therefore, the same effect as that of the fifth embodiment can be obtained.

[0084]

As described above in detail, according to the present invention, electronic money stored in a portable terminal device is transmitted to a dedicated management device for managing electronic money via a cash register, and Since the management device centrally performs the electronic money update process, when the electronic money stored in the mobile terminal device is used in the store, the electronic money update process is reliably performed, and sufficient reliability can be ensured. .

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of an entire system according to a first embodiment of the present invention.

FIG. 2 is a block diagram showing configurations of a mobile terminal device, an electronic money cash register, a store server, and an electronic money payment server according to the embodiment.

FIG. 3 is a flowchart showing a processing procedure among the mobile terminal device, the electronic money cash register, and the electronic money settlement server in the embodiment.

FIG. 4 is a diagram showing a configuration of a packet used for transmission in the same embodiment.

FIG. 5 is a flowchart showing a processing procedure of main parts between a mobile terminal device, an electronic money cash register, and an electronic money settlement server according to the second embodiment of the present invention.

FIG. 6 is a flowchart showing a processing procedure of main parts between a mobile terminal device, an electronic money cash register, and an electronic money settlement server according to a third embodiment of the present invention.

FIG. 7 is a diagram showing a configuration of a packet used for transmission in the same embodiment.

FIG. 8 is a flowchart showing a processing procedure among a mobile terminal device, an electronic money cash register, and an electronic money payment server according to a fourth embodiment of the present invention.

FIG. 9 is a diagram showing a configuration of a packet used for transmission in the same embodiment.

FIG. 10 is a diagram showing the overall configuration of a system according to a fifth embodiment of the present invention.

FIG. 11 is a block diagram showing configurations of a mobile terminal device, an electronic money cash register, a store server, and an electronic money payment server according to the embodiment.

FIG. 12 is a flowchart showing a processing procedure among the mobile terminal device, the electronic money cash register, the store server, and the electronic money settlement server in the embodiment.

FIG. 13 is a flowchart showing a processing procedure of main parts between the mobile terminal device, the electronic money cash register, the store server, and the electronic money settlement server according to the sixth embodiment of the present invention.

FIG. 14 is a flowchart showing a processing procedure of main parts among a mobile terminal device, an electronic money cash register, a store server, and an electronic money settlement server according to a seventh embodiment of the present invention.

FIG. 15 is a flowchart showing a processing procedure among a mobile terminal device, an electronic money cash register, a store server, and an electronic money settlement server according to an eighth embodiment of the present invention.

[Explanation of symbols]

1 ... Mobile terminal device 2 ... Electronic money cash register 4 ... Electronic money settlement server (management device)

Claims (6)

[Claims] 1. A mobile terminal device that stores electronic money that can be used like cash, a management device that manages electronic money, and a cash register that communicates between the mobile terminal device and the management device. The mobile terminal device transmits the stored electronic money to the cash register, and the cash register sends the received electronic money and the settlement amount to be paid by the owner of the mobile terminal device to the management device. Then, the management device subtracts the received settlement amount from the received amount of electronic money to update the electronic money at a reduced amount, sends the updated electronic money to the cash register, and the cash register updates. The electronic money system is characterized in that the received electronic money is received and transmitted to the mobile terminal device, and the mobile terminal device stores the received updated electronic money. 2. A mobile terminal device that stores electronic money that can be used like cash, a management device that manages electronic money, and a cash register that communicates between the mobile terminal device and the management device. The mobile terminal device transmits the stored electronic money to the cash register, and the cash register transmits the received electronic money and the amount of cash generated by cash payment to the management device, and the management device. Updates the electronic money by adding the received fishing amount to the received electronic money, updates the electronic money, sends the updated electronic money to the cash register, and the cash register receives the updated electronic money. Then, the mobile terminal device stores the updated electronic money received, and the mobile terminal device stores the updated electronic money. 3. A mobile terminal device that stores electronic money that can be used like cash, a management device that manages electronic money, and a cash register that communicates between the mobile terminal device and the management device. The cash register includes a cash storage device, the portable terminal device transmits stored electronic money to the cash register, and the cash register converts the received electronic money and electronic money into cash. To the management device, the management device subtracts the received cash amount from the received electronic money amount to update the electronic money, and sends the updated electronic money to the cash register. Then, the cash register receives the updated electronic money, enables the cash storage device to withdraw, and transmits the received electronic money to the mobile terminal device. The electronic money system and to store the received updating electronic money. 4. A mobile terminal device that stores electronic money that can be used like cash, a management device that manages electronic money, a cash register that communicates with the mobile terminal device, the cash register, and the management. It comprises a store server that communicates with a device, the mobile terminal device comprises a wireless communication means for directly wireless communication with the cash register, the cash register,
A wireless communication unit for directly wirelessly communicating with the mobile terminal device; the store server having a communication unit for communicating with the management device via a communication line network; Transmitting the electronic money to the cash register, the cash register transmits the received electronic money and the settlement amount to be paid by the owner of the portable terminal device to the store server, and the store server, The received electronic money and the settlement amount are transmitted to the management device, the management device subtracts the received settlement amount from the amount of the received electronic money to update the electronic money, and updates the updated electronic money to the store. To the server, the store server sends the received update electronic money to the cash register, the cash register sends the received update electronic money to the mobile terminal device, An electronic money system, wherein the mobile terminal device stores the received updated electronic money. 5. A mobile terminal device that stores electronic money that can be used like cash, a management device that manages electronic money, a cash register that communicates with the mobile terminal device, the cash register and the management. It comprises a store server that communicates with a device, the mobile terminal device comprises a wireless communication means for directly wireless communication with the cash register, the cash register,
A wireless communication unit for directly wirelessly communicating with the mobile terminal device; the store server having a communication unit for communicating with the management device via a communication line network; Transmitting the electronic money to the cash register, the cash register transmits the received electronic money and the amount of cash generated by cash payment to the store server, and the store server receives the received electronic money. Send the amount of fishing generated by cash payment to the management device,
The management device adds the received fishing amount to the received amount of electronic money to update and increase the electronic money, transmits the updated electronic money to the store server, and the store server receives the updated electronic money. To the cash register, the cash register sends the received update electronic money to the mobile terminal device, and the mobile terminal device stores the received update electronic money. system. 6. A mobile terminal device that stores electronic money that can be used like cash, a management device that manages electronic money, a cash register that communicates with the mobile terminal device, the cash register and the management. It comprises a store server that communicates with a device, the mobile terminal device comprises a wireless communication means for directly wireless communication with the cash register, the cash register,
A wireless communication unit for directly wirelessly communicating with the mobile terminal device; the store server having a communication unit for communicating with the management device via a communication line network; Transmitting the electronic money to the cash register, the cash register transmits the received electronic money and the amount of cash for converting the electronic money into cash, and the store server receives the received electronic money. The money and the cash amount are transmitted to the management device, the management device subtracts the cash amount received from the received amount of electronic money to update the electronic money, and transmits the updated electronic money to the store server. Then, the store server transmits the received updated electronic money to the cash register, and the cash register receives the updated electronic money to enable the cash storage device to withdraw money. An electronic money system in which the received electronic money is transmitted to the mobile terminal device, and the mobile terminal device stores the received updated electronic money.