JP2004005734A - Administrative holding system and administrative holding method for electronic money - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enhance convenience when electronic money is used, by classifying the electronic money according to using purposes to be controlled, when only single kind of currency is used, in an administrative holding system for the electronic money used in control and holding of the electronic money. <P>SOLUTION: This system/method is provided with a medium 500 for holding the electronic money defined as electronic symbol of currency rewritably in a required storage part 300 as the single kind of currency, an electronic money divergent storage control means 100 for setting a plurality of storage areas defined according to the using purposes in the storage part 300 within the medium 500, and for storing the electronic money dispersedly in response to the using purposes as assigned in the plurality of storage areas 301, and an electronic money payment executing means 200 for assigning the required storage area 301 as to the electronic money held in the medium 500 to execute payment by the electronic money stored in the assigned storage area 301. <P>COPYRIGHT: (C)2004,JPO

Description

{Circle over (1)} The present invention relates to an electronic money management and possession device and a management possession method suitable for use when managing and owning electronic money defined as an electronic symbol of currency.

2. Description of the Related Art In recent years, an electronic money system that enables cashless transactions has been developed. As a management and possession medium for electronic money (a portable medium for electronic money), a card unit (card-type storage medium), more specifically, an IC card incorporating an integrated circuit (IC) is usually used. ing.
This IC card has a data memory for storing electronic money. In this data memory, a storage area for storing electronic money for each currency is formed in order to store the electronic money classified by currency. ing. For example, the data memory has storage areas for storing electronic money for each currency, such as a storage area for Japanese yen, a storage area for US dollars, and a storage area for German mark.

As described above, according to the IC card as the management and possession medium of the electronic money, since the electronic money is paid instead of the cash, unlike the credit, the settlement is not burned, and the security function can be added, so that the security is improved. And, like a wallet (cash), can be carried by all users, unlike cash cards (and passbooks). For example, one account can be shared by three or more family members. You can also.

Now, with the spread of electronic money, it is conceivable to use electronic money in the same sense as cash. Therefore, in daily life, it is considered that in most cases, only a single kind of currency (that is, the currency of the home country) is stored and used in the IC card as the management and possession medium of the electronic money.
However, in the conventional IC card as the management and possession medium of the electronic money, the storage area for each currency is formed in the data memory for storing the electronic money as described above. Is stored without any classification in a specific storage area corresponding to.

Here, since electronic money can only grasp one balance totaled for each storage area by numerical value, when using only a single kind of currency, the electronic money is classified and managed by use. Can not do it. In other words, if the cash is used, the cash is classified according to the purpose, such as putting cash for food expenses on one side of the wallet partition and putting spare cash on the other side, and using the classified cash for the purpose. However, unlike cash, electronic money can only be grasped by a numerical value, so that it cannot be managed by classifying it by use.

For this reason, when using electronic money, for example, even if you want to reserve $ 5,000 as spare electronic money, you may use it as food expenses without your knowledge. There is a problem that it is difficult to manage the systematically.
The present invention has been made in view of such a problem. Even when only a single kind of currency is used, the present invention can classify and manage electronic money according to the purpose of use, so that electronic money can be used. An electronic money management and ownership device, a management and ownership method, and a management and ownership medium for improving convenience, and an electronic money management for causing a computer to execute a procedure for managing electronic money for each application It is an object of the present invention to provide a computer-readable recording medium recording a proprietary program.

For this reason, the electronic money management and possession device (claim 1) of the present invention holds electronic money, which is defined as an electronic symbol of currency, in a required storage unit for a single type of currency in a rewritable manner. Electronic money distributed storage control means for setting a plurality of storage areas defined for each application in a storage unit in the medium, and distributing and storing electronic money in the plurality of storage areas according to the application as specified. And electronic money payment executing means for designating a desired storage area for electronic money owned in the medium and executing payment with the electronic money stored in the specified storage area. It is characterized by.

Here, the electronic money distributed storage control means reads the electronic money from the outside, designates a desired storage area when receiving and storing the electronic money in the medium, and designates the designated storage area. And a storage unit for storing electronic money in the specified storage area.
In addition, the electronic money distributed storage control means may control at least one of the source storage area and the destination storage area when the electronic money owned by the medium is transferred between the plurality of storage areas. It is possible to comprise a designating means for designating one storage area and a moving means for moving the electronic money from the source storage area to the destination storage area designated by the designating means.

Further, the electronic money payment executing means, when making payment with the electronic money possessed in the medium, if the payment cannot be made with the electronic money stored in the designated storage area due to insufficient payment amount, It is possible to comprise a designating means for designating another storage area and a moving means for moving the electronic money from the other storage area designated by the designating means to the storage area in which the payment amount is insufficient. Note that the electronic money payment executing means may be provided with a loan / borrow information recording means for recording the loan / borrow information in the medium when moving the electronic money from another storage area to the storage area where the payment amount is insufficient. Good. Then, a display means for displaying the loan information may be provided.

Further, the electronic money payment executing means, when performing payment with the electronic money possessed in the medium, if the payment cannot be made with the electronic money stored in the designated storage area due to insufficient payment amount, The electronic money management system comprises a designating means for designating another storage area, and a moving means for moving the electronic money from the other storage area designated by the designating means to the storage area in which the payment amount is insufficient. When the distributed storage control means reads the electronic money from the outside and receives and stores the electronic money in the medium, the electronic money corresponding to the underpaid amount is stored in another storage area, and the underpaid amount is stored. May be provided with a settlement means for performing the settlement.

Further, it is possible to provide a prohibition unit that can prohibit the writing and reading of electronic money to and from the storage area by the electronic money distributed storage control unit and the electronic money payment execution unit.
According to the electronic money management / owning method of the present invention (claim 2), electronic money defined as an electronic symbol of currency can be rewritably stored in a required storage unit for a single kind of currency. The electronic money is possessed in the medium by storing electronic money in a plurality of storage areas defined for each use in a storage unit in the medium according to the use as specified. And

Here, when making payment with the electronic money possessed in the medium, a desired storage area may be designated and payment may be made with the electronic money stored in the designated storage area. .
Further, when electronic money is read from the outside and the electronic money is received and stored in the medium, a desired storage area may be designated and the electronic money may be stored in the designated storage area. .

Furthermore, for electronic money owned in the medium, when electronic money is transferred between a plurality of storage areas, at least one of the storage area of the transfer source and the storage area of the transfer destination is designated. Alternatively, electronic money may be moved from the source storage area to the destination storage area.
Here, when making payment with the electronic money owned in the medium, if the payment cannot be made with the electronic money stored in the specified storage area due to a shortage of the payment amount, specify another storage area. Then, the electronic money may be moved from the designated other storage area to the storage area in which the payment amount is insufficient.

Furthermore, when moving electronic money from another storage area to the storage area where the payment amount is insufficient, the lending and borrowing information may be recorded in the medium, or the lending and borrowing information may be displayed.
In a state where the electronic money is moved from another storage area to the storage area where the payment amount is insufficient, the electronic money is thereafter read from the outside, and when the electronic money is received and stored in the medium, the payment is made. The electronic money corresponding to the shortfall may be stored in another storage area, and the settlement of the shortfall may be performed.

By the way, the management and possession medium for electronic money of the present invention is a medium that can rewritably hold electronic money defined as an electronic symbol of currency in a required storage unit. For one kind of currency, a plurality of storage areas defined for each use are set, and in these plurality of storage areas, electronic money is configured to be distributed and stored according to the use as specified. I have.

Furthermore, the computer readable recording medium which records the electronic money management possession program of the present invention allows a computer to store electronic money defined as an electronic symbol of currency in a required storage unit with respect to a single kind of currency. An electronic money distributed storage control procedure for distributing and storing electronic money in a plurality of storage areas defined for each application in a storage unit in the medium which can be rewritably retained according to the use as specified; The electronic money management and ownership program for executing the electronic money payment execution procedure of designating a desired storage area and executing payment with the electronic money stored in the specified storage area is recorded. It is characterized by having been done.

Advantageous Effects of Invention According to the present invention, electronic money is stored in a plurality of storage areas in a distributed manner according to use as specified, and payment is performed with electronic money stored in a desired storage area for a single kind of currency. By doing so, even when using only a single type of currency, electronic money can be distributed and managed for each application, so using electronic money as if cash is divided by application This has the advantage that the convenience can be improved (claims 1 and 2).

Further, according to the present invention, when moving electronic money from another storage area to the storage area where the payment amount is insufficient, the lending and borrowing information can be recorded in the medium, so that the management is performed for each of those uses. It is possible to manage the lending and borrowing information between the electronic moneys even when the lending and borrowing occurs, and there is an advantage that the management and operation of the electronic money are easy.

Hereinafter, a method for managing and owning electronic money as one embodiment of the present invention will be described with reference to the drawings.
(A) Description of the configuration of the electronic money management and possession device as one embodiment of the present invention (a1) Configuration of the electronic money management and possession device FIG. FIG. 2 is a functional block diagram showing the configuration. The electronic money management and possession device 10 shown in FIG. 1 manages and owns electronic money defined as an electronic symbol of currency for a single type of currency for each application. And an IC card 1000 as an electronic money management and possession medium (portable medium for electronic money), a POS (Point Of Sales: point-of-sale information management) system, an electronic wallet, and an ATM (electronic money compatible ATM) described later. An automatic teller machine (automatic teller machine) or an external device 400 such as a balance display is combined. An aspect in which the IC card 1000 as a medium for electronic money management office (portable medium of electronic money) and these external devices 400 are combined will be described later in (a2).

Here, the IC card 1000 has a function as a medium 500 that can rewritably hold electronic money in a required storage unit 300 for a single kind of currency.
First, the hardware configuration of the IC card 1000 will be described. As shown in FIG. 2, the IC card 1000 includes an MPU (Micro Processor Unit), a data memory 3, and a connect unit 4.

The MPU 2 includes a ROM (Read Only Memory) 23, a RAM (Random Access Memory) 24, a control unit 21, and a calculation unit 22. The ROM 23 includes a drive unit for driving the control unit 21 and the calculation unit 22. The program has been recorded. In the MPU 2, the control unit 21 and the arithmetic unit 22 operate according to the program recorded in the ROM 23, so that the electronic money deposit / withdrawal data input from an external device not shown in FIG. The operation data calculated by the operation unit 22 based on the data is temporarily stored in the RAM 24, delivered to the data memory 3, or delivered to an external device via the connection unit 4, so that the IC card 1000 functions. It has become.

The data memory 3 stores electronic money amount information such as a result calculated by the MPU 2 and is constituted by a PROM (Programmable ROM).
That is, the data memory 3 has a function of storing electronic money. Specifically, the data memory 3 classifies the electronic money according to the use as described later in detail. In order to store electronic money, a plurality of storage areas for storing electronic money for each purpose are formed for a single type of currency.

Further, the connection unit 4 is an electrode unit connected to an external device (not shown in FIG. 2), and the IC card 1000 transmits and receives payment data to and from the external device via the connection unit 4. Has become.
By connecting the IC card 1000 on which the electronic money information is recorded to an external device (not shown in FIG. 2) via the connection unit 4 according to the above configuration, the MPU 2 of the IC card 1000 is connected to the external device. In accordance with the input (instruction) from the external device, the MPU 2 operates the amount information of the electronic money stored in the data memory 3.

(4) To show an example of use of the IC card 1000, a user inserts the IC card 1000 into an ATM (to be described in detail later) of a financial institution supporting electronic money, and requests issuance of electronic money through the ATM. In response to this request, the host computer of the financial institution reduces the amount requested from the user's deposit account, issues electronic money equal to the amount, and stores it in the data memory 3 of the user's IC card 1000 through the ATM. Store. Similarly, cashing of electronic money using an ATM of a financial institution, depositing by electronic money, and the like can be performed.

The user holds the IC card 1000 instead of a wallet, and inserts the IC card 1000 into a POS terminal (to be described in detail later) installed in a store or the like when shopping at a store or the like. Make a payment. The electronic money paid by the user through the POS terminal or the ATM is transmitted to the electronic money issuing center and settled.
On the other hand, the above-described IC card 1000 functionally includes an electronic money distributed storage control unit 100, an electronic money payment execution unit 200, a storage unit 300, and a prohibition unit 600, as shown in FIG. .

Here, as described above, the storage unit 300 can rewritably hold electronic money for a single kind of currency, and corresponds to the data memory 3 shown in FIG.
As shown in FIG. 1, the storage section 300 includes a storage section 310 including a plurality of storage areas (pockets) 301-1 to 301-N. Hereinafter, the storage areas 310-1 to 301-N may be referred to as storage areas (pockets) 301 for convenience.

Here, the storage area 301 is defined for each use of electronic money (purpose of use, purpose of payment), and categorizes an arbitrary amount of electronic money and various information associated therewith by a single kind of currency by use. Is stored.
The storage section 310 and the storage area 301 will be described later in detail with reference to FIG.

The electronic money distributed storage control unit 100 sets a plurality of storage areas 301 defined for each use in the storage unit 300, and stores electronic money in the plurality of storage areas 301 in a distributed manner according to the use as specified. And functions as electronic money distributed storage control means. The electronic money distributed storage control unit 100 corresponds to the MPU 2 shown in FIG.
More specifically, the electronic money distributed storage control unit 100 includes a storage area designation unit 101, a storage processing unit 102, a movement processing unit 103, and a settlement unit 104.

Here, the storage area designation unit 101 reads electronic money from the above-described external device (specifically, ATM, electronic wallet), and receives and stores the electronic money in the storage unit 300 of the IC card 1000. At this time, it functions as a designating means for designating the storage area 301 according to the use of the electronic money.
Further, as described later, the storage area designating unit 101 stores the source of the electronic money when the electronic money owned by the storage unit 300 is transferred between the plurality of storage areas 301. Designating means for designating at least one of the storage area 301 of the area 301 and the destination storage area 301 of the electronic money (in the present embodiment, a case where the destination storage area 301 of the electronic money is designated will be described) It also functions as.

Further, the storage processing unit 102 reads electronic money from the above-described external device and, when receiving and storing the electronic money in the storage unit 300, stores the electronic money in the storage area 301 specified by the storage area specifying unit 101. It performs processing for storing money and functions as storage means.
Further, when the electronic money owned by the storage unit 300 is moved between the plurality of storage areas 301, the transfer processing unit 103 specifies the transfer source of the electronic money specified by the storage area specifying unit 101. The electronic money is moved from the storage area 301 of the electronic money to the storage area 301 of the destination of the electronic money, and functions as a moving means.

Further, in the IC card 1000 according to the present embodiment, when paying with the electronic money owned in the storage unit 300, the electronic money stored in the designated storage area 301 due to a shortage of the payment amount. If the payment cannot be made with the money, the electronic money is transferred from the other storage area 301 to the storage area 301 where the payment amount is insufficient so as to borrow the electronic money stored in the other storage area 301 and make the payment. The payment unit 104 can read the electronic money from the external device, and when the electronic money is received and stored in the storage unit 300, the payment is insufficient. The electronic money corresponding to the amount is stored in the other storage area 301, and the payment shortage is settled, and functions as a settlement means.

The storage area designation unit 101, the storage processing unit 102, and the movement processing unit 103 correspond to the control unit 21 shown in FIG. 2, and the settlement unit 104 corresponds to the calculation unit 22 shown in FIG. is there.
Further, the electronic money payment execution unit 200 specifies a desired storage area 301 among the plurality of storage areas 301 and stores the electronic money possessed in the storage unit 300 in the specified storage area 301. The payment is performed using the electronic money, and functions as an electronic money payment execution unit. The electronic money payment execution section 200 corresponds to the MPU 2 shown in FIG.

More specifically, the electronic money payment execution unit 200 includes a storage area designation unit 201, a movement processing unit 202, and a loan / borrow information recording unit 203.
Here, the storage area designation unit 201 designates the storage area 301 according to the purpose of payment when making payment with the electronic money owned in the storage unit 300, and also specifies the storage area designated as described above. If the balance of the electronic money stored in the storage area 301 is less than the payment amount (that is, the payment amount is insufficient), if the electronic money stored in the storage area 301 cannot be used for payment, the other storage area 301 In order to pay out the electronic money stored in the other storage area 301, the other storage area 301 is designated, and functions as designation means.

Also, when performing payment with the electronic money possessed in the storage unit 300, if the payment cannot be performed with the electronic money stored in the storage area 301 designated as described above, the movement processing unit 202 stores the electronic money. The electronic money is moved from the other storage area 301 designated by the area designation unit 201 to the storage area 301 where the payment amount is insufficient, and functions as a moving means.

Further, the lending and borrowing information recording unit 203 uses the transfer processing unit 202 to move the electronic money from the other storage area 301 to the storage area 301 where the payment amount is insufficient, and to store the storage area 301 where the payment amount is insufficient. That is, the storage area 301 of the transfer destination (borrower) of the electronic money], the storage area 301 where the electronic money is lent to the storage area 301 where the payment is insufficient [that is, the storage area 301 of the transfer source (lender) of the electronic money] Lending and borrowing information (lending information and borrowing information to be described later) such as a number for identification (pocket number to be described later) and the amount of transferred electronic money (payment shortage) are stored in each storage area 301 in the storage unit 300 in a predetermined manner. And functions as a loan / borrow information recording means.

The movement processing unit 202 and the loan / borrow information recording unit 203 correspond to the control unit 21 shown in FIG.
The prohibition unit 600 can prohibit / cancel writing and reading of electronic money to and from each storage area 301 by the electronic money distributed storage control unit 100 and the electronic money payment execution unit 200, respectively, and functions as a prohibition unit. And corresponds to the control unit 21 shown in FIG.

As described above, the IC card 1000 is a medium that can rewritably hold electronic money defined as an electronic symbol of currency in a required storage unit 300. A plurality of storage areas 301 defined for each application are set for the currency, and electronic money is stored in the plurality of storage areas 301 in a distributed manner according to the usage as specified.

Here, the storage section 310 and the storage area 301 will be further described. The storage section 300 has a storage section 310 as shown in FIG. 8 in detail. A plurality of storage areas (pockets) 301-1 to 301-N (referred to as storage areas (pockets) 301 for convenience) defined for each application are formed (corresponding to each row in FIG. 8). In each pocket 301 (hereinafter, the storage area 301 is referred to as a pocket 301 in the present embodiment), “pocket number”, “usage status”, “currency”, “balance”, “lending information”, “borrowed information” are provided. Information such as "stock information", "lock", and "remarks / use" is recorded (corresponding to each column in FIG. 8).

Here, in the “pocket number”, a number (P1 to Pn) for identifying the pocket 301 is recorded. In the “usage status”, a flag for identifying the currently selected pocket 301 is recorded, and “1” is recorded only in the currently selected pocket 301. "0" is recorded in the pocket 301 other than the selected one.

In the “currency”, information for identifying the type of currency of electronic money (電子 (yen), ￥ (dollar), etc.) stored in the pocket 301 is recorded. In the “balance”, the balance amount of the electronic money stored in the pocket 301 is recorded.
Further, in the “lending information”, when lending electronic money to another pocket 301 as described above, lending information including the lending amount and the lending destination pocket number is recorded by the lending and borrowing information recording unit 203. It has become so. Similarly, in the “borrowing information”, when the electronic money is borrowed from another pocket 301, the borrowing information including the borrowed amount and the borrower's pocket number is stored in the lending and borrowing information recording unit 203. Is recorded.

In the “lock”, information (lock ON / lock OFF) for identifying the prohibition / unprohibition of use of the pocket 301 is recorded, and in “remarks / application”, the information is recorded. The user or the like can record (set) remark information such as the use of electronic money stored in the pocket 301.
The IC card 1000 having such a configuration is connected to the above-described external device 400 via the connection unit 4 (see FIG. 2).
Further, the external device 400 serves as a display unit for displaying various information in the storage unit 300 (for example, balance, lending information, borrowing information, remarks / usage, etc., for each storage area 301 recorded in the storage unit 310). (For example, a display screen such as an electronic wallet or a balance display device corresponds to the display unit 401).

Actually, in the electronic money management and possession device 10 according to the present embodiment, the functions corresponding to the electronic money distributed storage control unit 100 and the electronic money payment execution unit 200 are performed by the ROM 23 of the IC card 100 and the external device 400. The electronic money management and ownership program recorded on a recording medium (not shown) such as a disk device is read into the RAM 24 of the IC card 1000, and the electronic money management and ownership program is started to activate the MPU 2 (specifically, the control unit). 21, the operation unit 22) is executed as an operation of the MPU 2 (see FIG. 2).

Here, the electronic money management and ownership program designates electronic money in a plurality of storage areas 301 defined for each use in the storage unit 300 in the medium 500 which can be rewritably stored in the storage unit 300 required by the computer. As described above, a desired storage area 301 is designated for the electronic money distributed storage control procedure for distributing and storing the electronic money in accordance with the purpose, and the electronic money possessed in the medium 500 is stored in the designated storage area 301. And an electronic money payment execution procedure for executing payment with the electronic money.

The electronic money management / ownership program is recorded on, for example, a CD-ROM or the like (not shown). From the CD-ROM or the like, the ROM 23 of the IC card 1000 or the disk device or the like in the external device 400 (not shown) ) Is stored in advance and used. That is, the above-described CD-ROM, a disk device in the external device 400, or the like corresponds to a computer-readable recording medium in which an electronic money management possession program is recorded.

(A2) Usage of Electronic Money Management and Owning Device Further, the IC card 1000 described in (a1) is used as an external device 400 as (1) POS system, (2) electronic wallet, (3) ATM for electronic money. And (4) a mode used in combination with a balance display will be described.
(1) POS System FIG. 3 is a diagram schematically showing the appearance of a POS terminal in a POS system. This POS terminal 700 is installed in a store or the like, for example, as shown in FIG. The POS main unit 710 and a customer IC card reader / writer (customer IC card R / W) 720 are provided.

The POS main body 710 includes a display panel 711 as a display unit and a housing 712, and the housing 712 is provided with an electronic money storage IC 713. On the other hand, the customer IC card R / W 720 has a display panel 721 and an operation unit (KB) 722, and the IC card 1000 can be inserted and connected to the customer IC card R / W 720. When the customer inserts the IC card 1000 into the customer IC card R / W 720 and operates the operation unit 722, the data is recorded on the IC card 1000 in the same manner as when using cash. Payment is made by electronic money at the time of shopping.

(2) Electronic wallet
FIG. 4 is a diagram schematically showing the appearance of the electronic wallet. As shown in FIG. 4, the electronic wallet 800 is configured to include a display panel 801 and an operation unit 802, and is shown in FIG. A plurality of pockets 301 as shown in FIGS. 8 and 9 are also formed in this data memory, and electronic money can be recorded in these pockets.

Further, an IC card 1000 can be inserted and connected to the electronic wallet 800. By inserting the IC card 1000 into the electronic wallet 800 and operating the operation unit 802, the IC card 1000 and the In addition to displaying the balance amount of the electronic money registered in the data memory of the electronic wallet 800 on the display panel 801 and locking the pockets 301 to disable the use of the pockets 301 for security. It is also possible to pay a public utility fee with electronic money and to exchange electronic money with another IC card 1000.

(3) ATM Terminal for Electronic Money FIG. 5 is a perspective view schematically showing the appearance of an ATM for electronic money. As shown in FIG. It has an outlet 502, a coin outlet 503, a passbook insertion slot 504, and a cash card insertion slot 505, and has an IC card insertion slot 506 for inserting an IC card 1000.

By inserting the IC card 1000 into the IC card insertion slot 506 of the electronic money compatible ATM 500 and operating the display / operation panel 501, for example, a bank account deposit is transferred to the IC card 1000, and conversely, the IC card Electronic money recorded in 1000 can be deposited in a bank account.
(4) Balance display
FIG. 6 is a diagram schematically showing the appearance of a balance display. The balance display 600 includes a display panel 601 and an operation unit 602 as shown in FIG. A key holder 603 is provided to enhance portability. Further, an IC card 1000 can be inserted and connected to the balance display 600. By inserting the IC card 1000 into the balance display 600 and operating the operation unit 602, the IC card 1000 can be connected. The electronic money balance registered in the IC card 1000 can be displayed, and each pocket of the data memory 3 in the IC card 1000 can be locked or unlocked for security. .

(B) Description of operation of electronic money management and possession device according to one embodiment of the present invention (b1) Operation of electronic money management and possession device According to the configuration described above in (a1), one embodiment of the present invention In the electronic money management and possession device 10 according to the present invention, a plurality of pockets defined for each application in the storage unit 300 in the medium 500 by the electronic money distributed storage control unit 100 are provided for the medium 500 (the IC card 1000 in the present embodiment). In the (storage area) 301, the electronic money is distributed and stored according to the use as specified, and the electronic money payment execution unit 200 stores the desired pocket 301 (storage) for the electronic money owned in the medium 500. The payment is executed with the electronic money stored in the designated pocket (storage area) 301 by designating the (area) 301.

Here, the function of the electronic money management and possession device 10 according to the embodiment of the present invention will be further described with reference to FIGS. FIG. 7 is a flowchart (steps S1 to S34) for explaining how electronic money is transferred using the IC card 1000 and the electronic wallet 800 (see FIG. 4).
First, by inserting the present IC card 1000 into an insertion opening formed in the electronic wallet 800 (step S1), the connecting section 4 of the IC card 1000 is connected to the electronic wallet 800, and the IC card 1000 is connected. Is displayed on the display panel 801 of the electronic wallet 800 (step S2).

Here, the user checks whether the pocket 301 to be processed from now on is the default pocket displayed on the display panel 801 (step S3), and if the pocket 301 is to be changed (step S3). At step S3 (YES route), another pocket 301 is designated by the storage area designation unit 101, and that pocket 301 is selected (step S19). Here, a new pocket 301 can be created (step S19).

Then, the electronic money distributed storage control unit 100 sets the newly selected or created pocket 301 as a default pocket (step S20), and displays the balance amount of the default pocket again (step S2).
Also, when the user performs processing on the pocket 301 displayed (selected) on the display panel 801 of the electronic wallet 800 (see the NO route in step S3), does the user really change the processing? Is confirmed (step S4), and if the processing is not to be changed for the selected pocket 301 (see the NO route of step S4), the state immediately after the IC card 1000 is inserted into the electronic wallet 800 (step S4). Return to S2).

When the process is changed in the selected pocket 301 (refer to YES route in step S4), first, the user confirms whether the process to be performed is a payment (step S5), and it is not a payment. If it is (see the NO route in step S5), it is further confirmed whether or not the process to be performed is reception (step S6). Here, if no reception is performed (see the NO route in step S6), the process returns to the state immediately after the IC card 1000 is inserted into the electronic wallet 800 (step S2).

In the case of receiving the money (YES route of step S6), first, the user inputs the money received using the operation unit 802 of the electronic wallet 800 (step S7). Here, the user confirms again whether or not processing can be performed on the selected pocket 301 (step S8). Here, if the pocket 301 to be processed is to be changed (YES route in step S8), another pocket 301 is designated by the storage area designation unit 101 and that pocket 301 is selected (step S9). Here, a new pocket 301 can be created (step S9).

Further, the electronic money distributed storage control unit 100 sets the newly selected or created pocket 301 as a default pocket (step S10), and the user confirms again whether to change the pocket 301 to be processed. (Step S8).
When processing is to be performed on the selected pocket 301 without changing the pocket 301 (see the NO route in step S8), the electronic money distributed storage control unit 100 sets the pocket 301 to be processed to be prohibited. The unit 600 determines whether or not it is locked (step S11). If the pocket 301 for processing is not locked (YES route of step S11), the transfer processing unit 103 transfers the electronic money corresponding to the received amount input from the operation unit 802 in step S7 to the pocket 301 (electronic The electronic money is moved to the selected pocket 301 from the memory pocket of the wallet 800 or the pocket of the data memory 3 in another IC card 1000 (step S13), and the storage processing unit 102 moves the electronic money to the destination pocket 301. After the storage, the electronic money distributed storage control unit 100 updates the balance information (step S14).

On the other hand, when the pocket 301 for processing is locked by the prohibition unit 600 (see the NO route in step S11), the prohibition unit 600 releases the lock by the user inputting the password from the operation unit 802. Thereafter (step S12), similarly, the electronic money corresponding to the received amount input from the operation unit 802 in step S7 is transferred to the other pocket (the memory pocket of the electronic wallet 800 or another IC card 1000) by the movement processing unit 103. Is moved to the selected pocket 301 (step S13), the electronic money is stored in the destination pocket 301 by the storage processing unit 102, and then the electronic money distributed storage control unit 100 stores the balance information. Update (step S14).

Here, when the electronic money is deposited in the selected pocket 301, the loan / borrowing information recording unit 203 displays the lending / borrowing information on the pocket 301 on the display unit 401, and the electronic money distributed storage control unit 100 It is determined whether or not the selected pocket 301 borrows from another pocket 301 (step S15), and if it does not borrow (NO route of step S15), the process returns to step S2.

If the selected pocket 301 borrows money from another pocket 301 (YES route in step S15), the settlement unit 104 checks whether to repay the debt (step S16).
If the debt is not repaid (NO route in step S16), the process returns to the state immediately after the IC card 1000 is inserted into the electronic wallet 800 (step S2), and if the debt is repaid (YES route in step S16). Then, the settlement unit 104 repays the debt between the pockets 301 (step S17), the lending / borrowing information recording unit 203 updates the lending / borrowing information (step S18), and returns to step S2.

On the other hand, when making a payment (YES route in step S5), the user inputs a payment amount using the operation unit 802 of the electronic wallet 800 (step S21), and the electronic money payment execution unit 200 (or the user). ) Determines whether the payment amount input in step S21 can be paid in the selected pocket 301 (step S22).
Here, if payment is not possible in the selected pocket 301 (NO route in step S22), the electronic money payment execution unit 200 confirms whether to change the pocket 301 to be processed (step S23). ). When the pocket 301 to be processed is to be changed (YES route in step S23), another pocket 301 is designated by the storage area designation unit 201, and that pocket 301 is selected (step S24). The execution unit 200 sets the selected pocket 301 as a default pocket (step S25), and the electronic money payment execution unit 200 (or the user) determines again whether payment is possible in the selected pocket 301 (step S25). S22).

If the pocket 301 to be processed is not changed (NO route in step S23), the electronic money payment execution unit 200 checks whether the shortage amount is borrowed from another pocket 301 (step S26). When the shortage amount is to be borrowed from another pocket 301 (YES route in step S26), the storage area specification unit 201 specifies which pocket 301 to borrow, and selects that pocket 301 (step S28). The electronic money is moved from the lending pocket 301 to the borrowing (selected) pocket 301 by the movement processing unit 202 (step S29), and the lending and borrowing information is updated by the lending and borrowing information recording unit 203, and then the electronic money payment is executed. The unit 200 determines again whether the payment amount input in step S21 can be paid in the selected pocket 301 (step S22).

When the shortage amount is not borrowed from another pocket 301, the electronic money payment execution unit 200 confirms whether the payment is to be stopped (step S27), and if the payment is not stopped (NO in step S27). Route), the electronic money payment execution unit 200 (or the user) determines again whether the payment amount input in step S21 can be paid in the selected pocket 301 (step S22). If the payment is to be stopped (YES route of step S27), the process returns to step S2.

On the other hand, if payment is possible in the selected pocket 301 (YES route in step S22), the electronic money payment execution unit 200 determines whether the pocket 301 to be processed is locked by the prohibition unit 600. Perform (step S31). If the pocket 301 to be processed is not locked (YES route in step S31), the electronic money of the payment amount input from the operation unit 802 of the electronic wallet 800 in step S21 is transferred from the selected pocket 301 to the partner ( After being moved to a memory pocket of the electronic wallet 800 or a memory pocket of another IC card 1000 by the movement processing unit 202 (step S33), the electronic money payment execution unit 200 transmits the data to the data memory in the IC card 1000. The balance information of each pocket 301 of No. 3 is updated (step S34).

On the other hand, when the pocket 301 for processing is locked (see the NO route in step S31), the prohibition unit 600 releases the lock by inputting the password from the operation unit 802 (step S32). In step S21, the electronic money corresponding to the received amount input from the operation unit 802 in step S21 is moved from the selected pocket 301 to a partner (a memory pocket in the electronic wallet 800, a memory pocket in another IC card 1000, or the like). The electronic money payment execution unit 200 updates the balance information of each pocket in the memory in the IC card 1000 (step S34), and returns to step S2.

As described above, according to the electronic money management and possession apparatus according to the embodiment of the present invention, when using electronic money for a single kind of currency in one IC card, the pocket 301 can be properly used for each application. Therefore, the electronic money can be used in the same sense that the cash is divided according to the purpose, and the convenience of the electronic money, which is not bulky like cash, can be improved.

Also, when moving electronic money from another pocket 301 to the pocket 3001 in which the payment amount is insufficient, the lending and borrowing information can be recorded in the lending and borrowing information recording unit 203. In this case, even when a loan is borrowed, the loan and borrow information can be managed, and the management and operation of electronic money is easy.
(B2) Usage of Electronic Money Management and Owning Device Further, the IC card 1000 in the electronic money management and owning device according to one embodiment of the present invention allows a plurality of electronic money to be defined for a single kind of currency for each application. The state of use in the pocket 301 will be described for a case where the apparatus is used in combination with (1) a POS system, (2) an electronic wallet, (3) an ATM supporting electronic money, and (4) a balance display.

(1) POS System Using an IC card and a POS system as an electronic money management and possession device according to an embodiment of the present invention, purchasing goods with electronic money will be described with reference to FIGS. .
Here, FIGS. 9 and 12 are diagrams showing a display screen of the POS main body in the present embodiment, FIGS. 10 and 11 are diagrams showing a display screen of the customer IC card R / W in the present embodiment, and FIG. FIG. 4 is a diagram illustrating a configuration of a unit, that is, updated memory information in the present IC card.

Here, a situation where a purchase is made using the IC card 1000 having memory information as shown in FIG. 8 and payment is made using a POS terminal as shown in FIG. 3 will be described below. When the customer inserts the IC card 1000 on which the electronic money is recorded into the customer IC card R / W 720 and operates the operation unit 722, the electronic money registered in the IC card 1000 in the same manner as using cash. The money can be used for shopping. In the embodiment described below, it is assumed that the payment amount is $ 800.

At the time of payment, first, the clerk notifies the customer of the purchase amount displayed on the screen of the POS, and confirms that the customer pays with electronic money. To enter. FIG. 9 shows a screen of the display panel 711 of the POS main body 712 in this state.
The clerk confirming that the payment is made by electronic money instructs the customer to insert the IC card 1000 containing the customer's electronic money into the customer IC card R / W 720, and the customer 1000 is inserted into the customer IC card R / W 720. FIG. 10 shows a screen of the display panel 721 of the customer IC card R / W 720 in this state.

As shown in FIG. 10, on the screen of the display panel 721 of the customer IC card R / W 720, the payment request amount ($ 800 in this embodiment), the balance amount of the default pocket (P1), and the remark / application information Is displayed, and a message is displayed to confirm whether payment can be made from the pocket 301 currently selected.
In response to this message, when the customer selects "OK" from the operation unit 722 of the customer IC card R / W 720, the screen of the display panel 721 of the customer IC card R / W 720 is changed as shown in FIG. On the other hand, the screen of the display panel 711 of the POS main body which the clerk is looking at is also changed as shown in FIG.

Further, when the customer selects "determination" from the customer IC card R / W 720, the data is recorded in the data memory 3 of the IC card 1000 by the movement processing unit 202 (see FIG. 1) as shown in FIG. Of the electronic money stored in the P1 pocket 301, the customer is transferred from the customer's IC card 1000 to the IC in the POS terminal by the price of the product ($ 800). 200 updates the memory information in the IC card 1000. In this way, the purchase of goods at the store is performed.

(2) Electronic Wallet Next, a description will be given, with reference to the drawings, of how a utility bill is paid with electronic money using an IC card and an electronic wallet as a device for managing and owning electronic money according to one embodiment of the present invention. Then, FIG. 14 is a diagram showing the configuration of the storage unit, that is, the memory information in the present IC card.
Now, as shown in FIG. 14, the storage unit 310 as shown in FIG. 8 described above is also formed in the data memory 3 (storage unit 300) in the present IC card 1000, and a detailed description thereof will be omitted. .

The following shows how to use the IC card 1000 having such memory information to make a purchase and pay a utility bill using an electronic wallet as shown in FIG.
The user inserts the IC card 1000 in which the electronic money is recorded into the electronic wallet 800 and operates the operation unit 802 to use the electronic money registered in the IC card 1000 in the same manner as using cash. Fees can be paid.

In the present embodiment, the memory information in the IC card 1000 before the payment of the utility bill is in the state shown in FIG. 13 and the utility bill has not yet been paid. It is assumed that the lock is set to ON (use prohibited) by the prohibition unit 600 (see FIG. 1).
In order to pay a utility bill by electronic money using the IC card 1000 having such memory information, it is first necessary to release the lock set in the utility pocket P3.

Here, in the present IC card 1000, in order to perform such ON / OFF of the lock, a password is set in advance for each IC card 1000 and each pocket by the prohibition unit 600, and when the lock is released, Only when the user enters the preset password and the entered password matches the preset password, the prohibiting unit 600 regards the request as the owner's unlock request, and Is turned off so that payment and the like can be made.

Further, after the user inputs a password and unlocks the utility pocket P3 so that it can be used for payment or the like, this time, the storage area designation unit 201 (see FIG. 1) is used. It is set to pay from pocket P3. That is, since the currently selected pocket is P1 as shown in FIG. 13, the pocket P3 is selected by the operation unit 802 of the electronic wallet 800. FIG. 14 shows the memory information of the IC card 1000 in this state.

The operation up to this point may be performed using the electronic wallet 800 of the person who collects the utility bill, or may be performed using the user's own electronic wallet 800, a PC (Personal Computer), or the like.
As described above, the IC card 1000 set so that payment can be made from the utility bill pocket P3 is inserted into the electronic wallet 800 of the person who collects the utility bill, and payment is made in the (1) POS system described above. By the same operation as above, the electronic money is transferred from the utility bill pocket P3 to the electronic wallet 800 of the person who collects the utility bill by the movement processing unit 200 (see FIG. 1), and the utility bill is paid. .

(3) ATM for electronic money
Next, a state in which electronic money is debited from a bank account using an IC card and an electronic money compatible ATM as an electronic money management and possession device according to an embodiment of the present invention will be described with reference to the drawings. 15 to 19 are diagrams showing display screens of the electronic money compatible ATM in the present embodiment.

The user inserts the IC card 1000 on which the electronic money is recorded into the electronic money compatible ATM 500 and operates the display / operation panel unit 501 to transfer the electronic money from the bank account to the IC card 1000 by the electronic money compatible ATM. The state of moving (pulling out) is shown below.
The IC card 1000 according to the present embodiment is an IC card having an MS (Magnetic Stripe) section for bank account information, and also has a function as a conventional bank cash card. The data memory 3 (storage unit 300) in the IC card 1000 is also provided with the storage unit 310 as shown in FIG. 8 described above, and a detailed description thereof will be omitted. In this embodiment, it is assumed that the memory information of the IC card 1000 before the electronic money is withdrawn from the bank account to the IC card 1000 is in the state shown in FIG.

By inserting the IC card 1000 into an electronic money compatible ATM (hereinafter, referred to as ATM) 500, the memory information of the IC card 1000 is read out, and the display / operation panel unit 501 of the ATM 500 displays the information as shown in FIG. Screen is displayed.
Here, when the user selects and determines “drawer” from the display / operation panel unit 501 of the ATM 500, a screen as shown in FIG. 16 is displayed on the display / operation panel unit 501, and the user In the screen of FIG. 16, "electronic money withdrawal from bank account to card" is selected and determined.

When this process is selected, first, a screen for inputting a password and inputting a withdrawal amount is displayed and operated in the same manner as in the process of withdrawing cash from a bank account using a normal bank credit card. Input is performed according to instructions displayed on panel section 501 and displayed on these screens.
At the time of this input, as shown in FIG. 17, a screen asking which pocket 301 is to receive the electronic money withdrawn from the bank account is displayed. If so, select "OK" on the screen shown in FIG. On the other hand, by selecting “change setting” here, it is possible to change the selected pocket 301 or change information such as the setting contents of the pocket 301 (storage area specifying unit). 101 (see FIG. 1)).

In the present embodiment, a case will be described in which a new pocket P6 is set and payment is made in this pocket P6. Note that the pocket P6 is a pocket in which nothing is currently set.
That is, here, the user selects “change setting” from the display / operation panel unit 501, and selects and determines a pocket to be deposited on the subsequently displayed screen shown in FIG.

When "6" is selected on the screen shown in FIG. 18, a screen as shown in FIG. 19 is displayed on the display / operation panel section 501. Further, if there is a use to be registered in the column of "remarks" (that is, "remarks / use" in the memory information shown in FIG. 14), it is set on the screen shown in FIG.
When depositing in the pocket P6 is selected by the storage area specifying unit 101 in this manner, the electronic money of the amount specified by the storage processing unit 102 (see FIG. 1) moves from the bank account to the IC card 1000, Also, the memory information in the IC card 1000 is updated.

Note that there is no particular limitation on the content set as “Remarks / Use”, and a new entry may be made using an ATM or the like.
Further, in the above embodiment, the information to be registered in “Remarks / Use” is input using an ATM, but the present invention is not limited to this, and is set using a PC or the like having an IC card R / W function. May be.

(4) Balance Display Next, how to manage electronic money using an IC card and a balance display as an electronic money management and possession device according to an embodiment of the present invention will be described with reference to the drawings. 20 to 25 are views showing the balance amount of each pocket formed in the data memory 3 in the present IC card.

The storage area 310 as shown in FIG. 8 described above is also formed in the data memory 3 (storage unit 300) in the IC card 1000 according to the present embodiment, and a detailed description thereof will be omitted.
A situation in which shopping is performed using the IC card 1000 having such memory information and electronic money management is performed using the balance display as shown in FIG. 6 will be described below.

The user inserts the IC card 1000 in which the electronic money is recorded into the balance display 600 and operates the operation unit 602 to register the IC card 1000 in the same manner as managing cash in a wallet. You can use and manage some electronic money.
In the present embodiment, as shown in FIG. 20, N pockets 301-1 to 301-N as storage areas 301 are formed in the data memory 3 (storage unit 300) in the IC card 1000. Thus, the user can freely store electronic money in any of the pockets 301-1 to 301-N.

Here, in the present embodiment, the pocket 301-1 is used as a meal cost, the pocket 301-2 is used as a dating cost, and the pocket 301-3 is used as miscellaneous cost. It stores electronic money of one kind of currency, Japanese yen. At present, a total of $ 30,000 electronic money is stored in the entire IC card 1000, which includes $ 5,000 in the pocket 301-1 (meal cost) and $ 500 in the pocket 301-2 (dating cost). It is assumed that $ 15,000 of electronic money is stored in 10,000 and the pocket 301-3 (miscellaneous cost). FIG. 20 shows the balance amount of each pocket 301 of the IC card 1000 in this state.

The following describes how electronic money is used and managed using the IC card 1000 and the balance display 600 as an example of the behavior of a certain company employee. In the case of payment by electronic money as described below, payment processing is performed by an operation according to the shopping using the POS terminal.
First, before getting on the train, a newspaper is purchased at a stall with electronic money, and a fee of $ 70 for this newspaper is paid from pocket 301-3 as miscellaneous expenses. If you pay $ 100 as a meal from your pocket 301-1, finish your morning job, order a $ 650 lunch at the cafeteria at lunchtime, and pay $ 650 for this lunch from your pocket 301-1. 21 shows the history and balance of electronic money in each pocket in this state. As shown in FIG. 21, the balance of pocket 301-1 is $ 4250, the balance of pocket 301-2 is $ 10000 and pocket 301. The balance of -3 is $ 14930.

In the afternoon, I purchased another cup of coffee during my work, paid $ 100 for this coffee from my pocket 301-1 as a meal, and went out to eat with my colleague after leaving the company. Since it is 5000, the balance of the pocket 301-1 is not enough, and the shortfall $ 850 is borrowed from the miscellaneous expenses of the pocket 301-3.
FIG. 22 shows the history and balance of the electronic money in each pocket in this state. As shown in FIG. 22, the balance of the pocket 301-1 is $ 0, the balance of the pocket 301-3 is $ 14080, and the pocket 301-1 borrows $ 850 from the pocket 301-3. .

Furthermore, the user goes to karaoke and pays the karaoke fee of $ 3000 as a pocketing fee from the pocket 301-2.
At the end of the day, the balance of the electronic money in the IC card 1000 is $ 0 in the pocket 301-1 and the balance in the pocket 301-2 is $ 7000, as shown in FIG. And the balance of the pocket 301-3 is $ 14080. In addition, the pocket 301-1 has information of "borrowing 850 yen from the pocket 301-3" by the loan / borrow information recording unit 203 (see FIG. 1). Is recorded.

The next morning, before going to work, electronic money is deposited into the IC card using the ATM 500, the electronic wallet 800, or the like (see FIG. 24). However, since the balance of the pocket 301-1 is $ 0, this pocket 301-1 is paid. When performing the operation of depositing $ 5000 in the ATM, the message "Will you move the borrowed $ 850 of the pocket 301-1 to the pocket 301-3?" Is displayed on the display unit 401 (see FIG. 1). It is displayed on the operation panel 501 and the display panel 801 of the electronic wallet 800.

Here, by selecting “move”, the settlement unit 104 (see FIG. 1) performs settlement of lending and borrowing between pockets, and the 850 yen borrowed from the pocket 301-1 to the pocket 301-3 moves. I do. As shown in FIG. 25, the balance of the electronic money in each pocket in this state is $ 4150 for the pocket 301-1 and $ 14930 for the pocket 301-3. Note that there is still room for the balance amounts of the pockets 301-2 and 301-3, so that they are left as they are.

(C) Others In the above embodiment, the IC card 1000 includes the electronic money distributed storage control unit 100, the electronic money payment execution unit 200, and the storage unit 300, and the display unit 401 includes the POS terminal 700, the electronic It is provided on each of the external devices such as the wallet 800, the ATM 500, and the balance display 600. However, the present invention is not limited to this. The display unit 400 may be formed on the IC card 1000. Only the storage unit 300 is provided in the card 1000, and the electronic money distributed storage control unit 100, the electronic money payment execution unit and the display unit 400 are connected to external devices such as the POS terminal 700, the electronic wallet 800, the ATM 500, and the balance display 600. And may be variously modified and implemented without departing from the gist of the present invention. You.

In the above embodiment, as shown in FIG. 1, the prohibition unit 600 is provided in the IC card 1000 separately from the electronic money distributed storage control unit 100 and the electronic money payment execution unit 200. However, the prohibition unit 600 may be provided in each of the electronic money distributed storage control unit 100 and the electronic money payment execution unit 200, and may be variously modified without departing from the spirit of the present invention. .

It is a functional block diagram showing composition of an electronic money management possession device concerning one embodiment of the present invention. It is a figure which shows typically the hardware structure of the IC card in the electronic money management possession apparatus concerning one Embodiment of this invention. It is a figure showing typically the appearance of the POS system in the electronic money management possession device concerning one embodiment of the present invention. It is a figure which shows typically the external appearance of the electronic wallet in the electronic money management possession apparatus concerning one Embodiment of this invention. 1 is a perspective view schematically showing the appearance of an electronic money-compatible automatic teller machine in an electronic money management and possession apparatus according to an embodiment of the present invention. It is a perspective view showing typically the appearance of the balance indicator in the electronic money management possession device concerning one embodiment of the present invention. 5 is a flowchart illustrating an operation of the electronic money management and possession device according to the embodiment of the present invention. FIG. 3 is a diagram illustrating a configuration example of a storage unit. It is a figure showing the display screen of the POS main part of the POS system in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the display screen of the IC card reader / writer for the customer of the POS system in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the display screen of the IC card reader / writer for the customer of the POS system in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the display screen of the POS main part of the POS system in the electronic money management possession device concerning one embodiment of the present invention. FIG. 3 is a diagram illustrating a configuration example of a storage unit. FIG. 3 is a diagram illustrating a configuration example of a storage unit. It is a figure showing the example of a display screen of the automatic teller machine corresponding to electronic money in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the example of a display screen of the automatic teller machine corresponding to electronic money in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the example of a display screen of the automatic teller machine corresponding to electronic money in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the example of a display screen of the automatic teller machine corresponding to electronic money in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the example of a display screen of the automatic teller machine corresponding to electronic money in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the balance amount of money of each pocket of the storage part of the IC card in the electronic money management possession device concerning one embodiment of the present invention. FIG. 4 is a diagram showing an example of a balance amount in each pocket of an IC card storage unit in the electronic money management and possession device according to one embodiment of the present invention. It is a figure showing the balance amount of money of each pocket of the storage part of the IC card in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the balance amount of money of each pocket of the storage part of the IC card in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the balance amount of money of each pocket of the storage part of the IC card in the electronic money management possession device concerning one embodiment of the present invention. It is a figure showing the balance amount of money of each pocket of the storage part of the IC card in the electronic money management possession device concerning one embodiment of the present invention.

Explanation of reference numerals

2 MPU
21 control unit (designation means, storage means, movement means, loan and borrow information recording means)
22 Operation part (payment means)
23 ROM
24 RAM
3 Data memory (storage unit)
4 connecting unit 10 electronic money management and possession device 100 electronic money distributed storage control unit (electronic money distributed storage control means)
101 Storage area designation unit (designation means)
102 Storage processing unit (storage means)
103 Movement processing unit (moving means)
104 Settlement section (payment means)
200 Electronic money payment execution unit (electronic money payment execution means)
201 Storage area designator (designation means)
202 Movement processing unit (moving means)
203 Lending and borrowing information recording unit (loan and borrowing information recording means)
300 storage unit 301 storage area 310 storage unit 400 external device 401 display unit 500 medium 600 prohibition unit 1000 IC card

Claims (2)

A medium capable of rewritably holding electronic money defined as an electronic symbol of currency in a required storage unit with respect to a single kind of currency;
Electronic money distributed storage control means for setting a plurality of storage areas defined for each use in the storage unit in the medium, and distributing and storing the electronic money in the plurality of storage areas according to the use as specified;
Electronic money payment executing means for designating a desired storage area and executing payment with the electronic money stored in the specified storage area with respect to the electronic money possessed in the medium. Characterized by electronic money management and ownership device. For a medium in which electronic money defined as an electronic symbol of currency can be rewritably stored in a required storage unit for a single kind of currency, a plurality of storage units defined in the storage unit for each application in the medium are used. A method for managing and owning electronic money, wherein the electronic money is owned in the medium by distributing and storing the electronic money in a storage area according to a use as specified.

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