JP2005025618A - Method and program for electronic value management - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method and programs for electronic value management, which can efficiently replenish electronic values stored in mobile terminals. <P>SOLUTION: Data related to check time, the highest balance, the lowest balance and withdrawal account identifier is recorded into a cellular phone terminal 10. Subsequently, a controller of the cellular phone terminal 10 calculates value balance at the check time. If it is lower than the lowest balance, the controller transmits replenishment request for electronic value to a financial institute system 20. The financial institute system 20 debits replenishment amount from a customer account, and then transmits replenishment indication to an electronic value issuing system 30. When replenishment of electronic value for the cellular phone terminal 10 is completed, the electronic value issuing system 30 transmits notification of the replenishment completion to the financial institute system 20. Then, the financial institute system 20 performs processing for transfer of replenishment money to the account of an electronic value issuing organization. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an electronic value management method and an electronic value management program used when supplementing electronic value stored in a mobile terminal.
[0002]
[Prior art]
Nowadays, a system for making payment using electronic value such as electronic money is being studied. Here, the electronic value is obtained by replacing the monetary value with digital data. A system for storing and using this electronic value in a recording medium such as a plastic card (IC card) in which an IC chip is embedded has been studied. This recording medium functions as a wallet for electronic value.
[0003]
For example, when an IC card is used as an electronic value recording medium, the electronic value in the IC card is read and written using an IC card read / write device, and payment such as purchase of goods is performed. That is, when a product is purchased, an electronic value corresponding to the price of the product is taken out from the IC card by the IC card read / write device and transferred to a store recording medium.
[0004]
When the balance of electronic value stored in such an IC card decreases, it is necessary to replenish electronic value from a user account of a financial institution using an electronic value-compatible automatic teller machine or the like.
[0005]
In addition to the above-described contact type recording medium such as an IC card, there is a non-contact type recording medium in which a storage unit is provided in a mobile terminal having a wireless communication function. A technique that makes use of the characteristics of each recording medium has been proposed (see, for example, Patent Document 1). Here, for example, the contact IC card has a sufficient balance, but the contactless IC card has a sufficient balance. Assume a situation where the IC card balance runs out. Japanese Patent Application Laid-Open No. 2004-151561 discloses a technique for mutually transferring electronic value stored in a contact IC card and electronic value stored in a non-contact IC card. Thereby, the electronic value can be used without impairing the convenience of both cards.
[0006]
[Patent Document 1]
JP 2002-24722 (pages 1 to 3)
[0007]
[Problems to be solved by the invention]
However, even when the electronic value stored in any recording medium is used, if the balance of the electronic value is insufficient, it is necessary to perform processing for replenishment. For example, when a user makes a purchase using electronic value, the user may find that the balance is insufficient at the stage of payment. In such a case, the user needs to replenish the electronic value from his / her account using an electronic value-compatible automatic teller machine or the like. Under such circumstances, it was not possible to conduct transactions such as quick purchases.
[0008]
In particular, since electronic value is intangible (data), unlike cash and banknotes, it is often difficult to grasp the balance of electronic value stored in a recording medium. Therefore, it may be delayed to notice the shortage of balance.
[0009]
The present invention has been made to solve the above-described problems, and provides an electronic value management method and an electronic value management program that can efficiently replenish electronic value stored in a mobile terminal. is there.
[0010]
[Means for Solving the Problems]
In order to solve the above problems, the invention according to claim 1 uses a mobile terminal having electronic value storage means, supplementary condition data storage means for recording data relating to balance confirmation time and reference balance, and control means. A method of managing replenishment of electronic value, wherein the control means calculates a balance of electronic value stored in the electronic value storage means at the balance confirmation time, and the balance is the reference balance In the case of the following, when the second stage of sending the replenishment request to the value issuing institution system and the storage of the electronic value received regarding the replenishment request in the electronic value storage means are completed, And a third stage of transmitting a replenishment result notification to the value issuing institution system.
[0011]
According to a second aspect of the present invention, in the electronic value management method according to the first aspect, the replenishment condition data storage means further records data relating to an upper limit balance, and the second stage includes the upper limit balance. And calculating the amount of difference between the balance and the replenishment request including data on the amount of difference.
[0012]
According to a third aspect of the present invention, in the electronic value management method according to the first or second aspect, the replenishment condition data storage means further specifies a withdrawal account for funds for providing electronic value. Data is recorded, and the replenishment request includes data for specifying the withdrawal account.
[0013]
According to a fourth aspect of the present invention, in the electronic value management method according to the third aspect, the second stage outputs a banking screen showing an amount necessary for replenishing the electronic value, and provides a banking service. The present invention includes a step of prompting input of a personal identification number for use, and the replenishment request includes data regarding the personal identification number.
[0014]
Invention of Claim 5 is the electronic value management method as described in any one of Claims 1-4. WHEREIN: After the said 3rd step stores the said received electronic value in the said electronic value storage means, The gist of the invention is to verify the balance of the electronic value stored in the electronic value storage means, and when the verification is completed, send a supplement completion notification to the value issuing institution system as a supplement result notification.
[0015]
The invention according to claim 6 is a program for managing replenishment of electronic value using a mobile terminal having electronic value storage means, replenishment condition data storage means recording data relating to balance confirmation time and reference balance, and control means. If the control means has a first means for calculating a balance of electronic value stored in the electronic value storage means at the balance confirmation time, and the balance is equal to or less than the reference balance, When the second means for transmitting a replenishment request to the value issuing institution system and the storage of the received electronic value related to the replenishment request in the electronic value storage means are completed, a replenishment result notification is sent to the value issuing institution system. The gist is to function as a third means for transmitting to the network.
[0016]
According to a seventh aspect of the present invention, in the electronic value management program according to the sixth aspect, the replenishment condition data storage means further records data relating to an upper limit balance, and the second means includes the upper limit balance. And means for calculating a difference amount between the balance and the replenishment request including data relating to the difference amount.
[0017]
The invention according to claim 8 is the electronic value management program according to claim 6 or 7, wherein the supplementary condition data storage means further specifies a withdrawal account for funds for providing electronic value. Data is recorded, and the replenishment request includes data for specifying the withdrawal account.
[0018]
According to a ninth aspect of the present invention, in the electronic value management program according to the eighth aspect, the second means outputs a banking screen presenting an amount necessary for replenishing the electronic value, and provides a banking service. It includes means for prompting the input of a personal identification number for use, and the supplementary request includes data relating to the personal identification number.
[0019]
The invention according to claim 10 is the electronic value management program according to any one of claims 6 to 9, wherein the third means stores the received electronic value in the electronic value storage means, The gist of the invention is to verify the balance of the electronic value stored in the electronic value storage means, and when the verification is completed, send a supplement completion notification to the value issuing institution system as a supplement result notification.
[0020]
(Function)
According to the first or sixth aspect of the present invention, replenishment of electronic value is performed using a mobile terminal having electronic value storage means, replenishment condition data storage means recording data relating to balance confirmation time and reference balance, and control means. to manage. Then, the control means calculates the balance of the electronic value stored in the electronic value storage means at the balance confirmation time. Next, when the balance is equal to or less than the reference balance, a replenishment request is transmitted to the value issuing institution system. When the received electronic value related to the replenishment request has been stored in the electronic value storage means, a replenishment result notification is transmitted to the value issuing institution system. For this reason, the user can prevent forgetting to replenish the balance stored in the electronic value storage means. Accordingly, it is possible to secure an electronic value exceeding the reference balance in the mobile terminal.
[0021]
According to the second or seventh aspect of the invention, the replenishment condition data storage means further records data relating to the upper limit balance. Then, the control means calculates a difference amount between the upper limit balance and the balance. The replenishment request includes data relating to the difference amount. For this reason, the electronic value of the upper limit balance can be secured in the electronic value storage means of the mobile terminal at a predetermined time.
[0022]
According to the third or eighth aspect of the present invention, the replenishment condition data storage means further records data for specifying a withdrawal account relating to funds for providing electronic value. The replenishment request includes data for specifying the withdrawal account. For this reason, the user can save time and effort to set up a withdrawal account, and can make a replenishment request efficiently.
[0023]
According to invention of Claim 4 or 9, the said control means outputs the banking screen which showed the amount of money required in order to replenish electronic value. Then, the user is prompted to enter a password for using the banking service, and the replenishment request includes data related to the password. For this reason, the process for supplementing electronic value can be performed similarly to the case of using a normal banking service. Therefore, a replenishment request can be made efficiently.
[0024]
According to the invention described in claim 5 or 10, the control means verifies the balance of the electronic value stored in the electronic value storage means after storing the received electronic value in the electronic value storage means. When the verification is completed, a replenishment completion notification is transmitted to the value issuing institution system as a replenishment result notification. For this reason, the value issuing institution system can perform the withdrawal process when the electronic value can be reliably provided.
[0025]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. This embodiment will be described as a service for managing electronic value using an electronic value management program for managing electronic value held by a user. In the present embodiment, as shown in FIG. 1, an electronic value that can be transferred to another person as a consideration for goods or services, such as money, is stored in the mobile phone terminal 10.
[0026]
This electronic value is provided to the user from the electronic value issuing system 30 of the electronic value issuing organization. The electronic value management program is provided from the financial institution system 20 of the financial institution. These are provided to the user's mobile phone terminal 10 via a network N such as a mobile phone network.
[0027]
The mobile phone terminal 10 has a function of transmitting / receiving e-mail and a data communication function for communicating with each server in addition to a normal telephone call function. As shown in FIG. 1, the cellular phone terminal 10 includes a display unit 101, a selector button 102, and a mode switching button 103 in addition to the dial number button 110. In addition to the normal telephone mode, the mobile phone terminal 10 has a mail mode for sending and receiving e-mail, a browser mode for displaying web pages, and a program execution mode for executing various programs. . When switching from each mode (for example, telephone mode) to another mode (for example, program execution mode), the mode switching button 103 is used.
[0028]
In addition to the e-mail and web page received by the mobile phone terminal 10, various screens based on programs stored in the mobile phone terminal 10 are output to the display unit 101.
[0029]
The selector button 102 of the mobile phone terminal 10 has a pointer movement function and a click function. The pointer can be moved by giving a direction instruction using the selector button 102, and the item indicated by the pointer can be selected by pressing the selector button 102. Various data can be input using the dial number button 110 or the like.
[0030]
Furthermore, the mobile phone terminal 10 includes a control unit 11 and a program storage unit 14 including a CPU, a RAM, a ROM, and the like as shown in FIG. Various programs are stored in the program storage unit 14, and the control unit 11 functions as various units when the program is started. In this embodiment, an electronic value management program described later is stored. The application program is periodically started when the predetermined time comes. The control unit 11 of the cellular phone terminal 10 performs a processing procedure (first stage, second stage, third stage, stage for calculating a difference amount, stage for prompting input of a personal identification number) to be described later regarding the electronic value management process. Etc.). Thereby, the control unit 11 of the mobile phone terminal 10 functions as each means such as a first means, a second means, a third means, a means for calculating a difference amount, and a means for prompting the input of a personal identification number.
[0031]
Further, the mobile phone terminal 10 includes various data storage means for recording various data as shown in FIG. The data storage unit includes an electronic value data storage unit 12 as an electronic value storage unit and a user setting data storage unit 13 as a supplement condition data storage unit.
[0032]
As shown in FIG. 2, an electronic value 120 provided to the user is recorded in the electronic value data storage unit 12. This electronic value 120 is recorded when it is provided to a user from the electronic value issuing system 30 that can be purchased from an electronic value issuing organization. The electronic value 120 realizes the value of money that is actually distributed by electronic digital data using an encryption technique.
[0033]
In addition, as shown in FIG. 2, user setting data 130 when a value check process described later is executed is recorded in the user setting data storage unit 13. This user setting data 130 is recorded when the user makes various settings using the electronic value management program. The user setting data 130 includes data relating to a check time as a balance confirmation time, a maximum balance as an upper limit balance, a minimum balance as a reference balance, and a withdrawal account identifier.
[0034]
In the check time data area, data related to the time at which the value check process is executed is recorded.
In the highest balance data area, data relating to the highest balance when electronic value is replenished is recorded. That is, by replenishing the electronic value, the electronic value with the highest balance is stored in the electronic value data storage unit 12.
[0035]
In the minimum balance data area, data relating to a reference when electronic value is replenished is recorded. That is, the electronic value is replenished when the remaining amount of electronic value in the electronic value data storage unit 12 becomes lower than the minimum balance.
[0036]
In the withdrawal account identifier data area, data relating to an account used when electronic value is replenished is recorded. That is, the electronic value is replenished with funds withdrawn from the account.
[0037]
As shown in FIG. 1, the mobile phone terminal 10 can access the financial institution system 20 and the electronic value issuing system 30 via the network N.
The financial institution system 20 is a computer system that performs various data processing related to management of data related to a user's account. The financial institution system 20 includes control means (CPU), storage means (RAM, ROM, hard disk, etc.), data transmission / reception means, etc. (not shown). The financial institution system 20 executes a processing procedure described later regarding account management.
[0038]
The financial institution system 20 includes an account management data storage unit 21. As shown in FIG. 1, the account management data storage unit 21 stores account management data for managing the account of the user of this service and the account relating to the electronic value issuing organization. This account management data includes data relating to an account identifier and an account balance. This account identifier includes a branch name of the deposit account, a deposit item, and an account number.
[0039]
On the other hand, the electronic value issuing system 30 is a system that manages the issuing of electronic value. In response to a request from the financial institution system 20, an electronic value is generated and provided to the mobile phone terminal 10. In the present embodiment, the financial institution system 20 and the electronic value issuing system 30 function as a value issuing institution system.
[0040]
A processing procedure for providing electronic value in the system configured as described above will be described.
(Acquire electronic value management program)
Processing for acquiring an electronic value management program used in this service will be described with reference to FIG. In the present embodiment, first, the user makes a use request for the electronic value management program (S1-1). In this case, the user activates the browser of the mobile phone terminal 10 and inputs a URL (Uniform Resource Locator) for accessing the financial institution system 20. Then, the cellular phone terminal 10 transmits a request for using the electronic value management program to the financial institution system 20 via the network N.
[0041]
Receiving this use request, the financial institution system 20 provides an electronic value management program to the mobile phone terminal 10 (S1-2). In this case, the financial institution system 20 further notifies the electronic value issuing system 30 that there is a request for using the electronic value management program. This notification includes data relating to the identifier of the mobile phone terminal 10 of the requester. Thereby, the electronic value issuing system 30 grasps the transmission destination of the electronic value to be supplemented.
[0042]
The mobile phone terminal 10 that has received this electronic value management program stores the electronic value management program in the program storage unit 14.
When the electronic value management program is activated, the control unit 11 of the mobile phone terminal 10 outputs the display screen 500 shown in FIG. 5 to the display unit 101 (S1-3). This display screen 500 is a screen for setting electronic value check conditions. Therefore, the display screen 500 includes a check time setting field 501, a minimum balance setting field 502, a maximum balance setting field 503, and a withdrawal account setting field 504.
[0043]
The check time setting field 501 is an input field for setting the time for executing the value check process. In this embodiment, it is assumed that the value check process is set to be executed every day at 6:30.
[0044]
The minimum balance setting field 502 is an input field for setting a standard for supplementing electronic value. The maximum balance setting column 503 is an input column for setting the maximum balance when supplementing electronic value. In the present embodiment, it is assumed that “3000 yen” and “5000 yen” are set.
[0045]
The withdrawal account setting field 504 is an input field for setting an account used when electronic value is replenished. In the present embodiment, it is assumed that “Uchisaiwaicho branch, ordinary account 1234567” is set as the account identifier.
[0046]
The user inputs each item and presses the enter button. In this case, the control unit 11 of the mobile phone terminal 10 records the conditions input in the setting fields (501 to 504) in the user setting data storage unit 13.
[0047]
(Electronic value check processing)
In this way, using the various check conditions set using the display screen 500 and recorded in the user setting data storage unit 13, the control unit 11 of the mobile phone terminal 10 periodically executes an electronic value check process described later. (S1-4). This electronic value check process will be described with reference to FIG. The following process is repeated at each check time until the program is terminated.
[0048]
This electronic value check process is executed when the control unit 11 of the mobile phone terminal 10 has passed the check time (S2-1). Specifically, when the time of the internal clock of the mobile phone terminal 10 has passed the check time recorded in the user setting data storage unit 13, the electronic value is checked. When the check time has not elapsed (in the case of “No” in step (S2-1)), the electronic value is not checked.
[0049]
Next, when the check time has elapsed (in the case of “Yes” in step (S2-1)), the control unit 11 of the mobile phone terminal 10 compares the electronic value balance with the minimum balance (S2). -2). Here, first, the control unit 11 calculates the electronic value balance by summing up the electronic values recorded in the electronic value data storage unit 12. Then, the control unit 11 extracts the minimum balance recorded in the user setting data storage unit 13 and compares it with the electronic value balance.
[0050]
Next, when there is an electronic value balance equal to or greater than the minimum balance (“No” in step (S2-2)), the control unit 11 of the mobile phone terminal 10 ends the electronic value check process.
[0051]
On the other hand, when the electronic value balance is less than the minimum balance (“Yes” in step (S2-2)), the control unit 11 of the mobile phone terminal 10 calculates the replenishment amount (S2-3). Here, it is assumed that the electronic value is supplemented so that the value balance becomes the highest balance. Therefore, the control unit 11 extracts the highest balance recorded in the user setting data storage unit 13 and calculates the difference between the highest balance and the electronic value balance. This difference becomes the replenishment amount. In the present embodiment, it is assumed that the value balance is “2596 yen”. In this case, the difference from the highest balance (here “5000 yen”) is “2404 yen”.
[0052]
Next, the control unit 11 of the mobile phone terminal 10 outputs a banking screen for supplementing electronic value (S2-4). In this case, the display screen 510 shown in FIG. 6 is output to the display unit 101 of the mobile phone terminal 10. The display screen 510 includes a current value balance display field 511, a replenishment amount setting field 512, and a withdrawal account display field 513. In the replenishment amount setting column 512, the replenishment amount calculated by the control unit 11 is set as an initial value. When the replenishment amount setting column 512 is selected using the selector button 102, the user can change the replenishment amount setting using the dial number button 110. In the withdrawal account display field 513, a withdrawal account identifier recorded in the user setting data storage unit 13 is set.
[0053]
Further, the display screen 510 is provided with a customer number and password input field 514 for using a banking service (mobile banking service) by a mobile phone terminal. The customer number and password used here are user authentication identifiers provided in advance to registrants of mobile banking services.
[0054]
Here, the user confirms the contents of each column, enters the customer number and password, and selects the enter button. In this case, the control unit 11 of the mobile phone terminal 10 transmits a replenishment request to the financial institution system 20 via the network N (S2-5). This replenishment request includes data relating to each item (replenishment amount, withdrawal account identifier, customer number, password) set on the display screen 510.
[0055]
(Electronic value replenishment processing)
Next, the electronic value replenishment process will be described with reference to FIG. Receiving this replenishment request, the financial institution system 20 performs user authentication (S1-5). In this case, the customer number and password included in the replenishment request are used.
[0056]
When the user authentication is completed, the financial institution system 20 determines whether funds can be secured (S1-6). In this case, the financial institution system 20 first calculates the replenishment cost necessary for providing the electronic value for the replenishment amount. This replenishment cost includes a fee and the like in addition to the electronic value management amount. Then, the financial institution system 20 extracts the account balance of this account from the account management data storage unit 21 using the withdrawal account identifier included in the replenishment request. Then, the financial institution system 20 compares the replenishment cost with the account balance.
[0057]
If the account balance is less than the replenishment cost and funds for replenishing the electronic value cannot be secured (“No” in step (S1-6)), the financial institution system 20 asks the mobile phone terminal 10 An impossible notification is transmitted (S1-7). This impossibility notification is a notification for notifying the user that the electronic value could not be supplemented. A display screen 520 shown in FIG. 7 is output to the display unit 101 of the mobile phone terminal 10 that has received the notification of inability.
[0058]
On the other hand, if the account balance is equal to or greater than the replenishment cost and funds for replenishing electronic value have been secured (“Yes” in step (S1-6)), the financial institution system 20 performs replenishment instruction processing. Execute (S1-8). In this case, the financial institution system 20 deducts the replenishment cost from the user's deposit account and holds the funds. Then, the financial institution system 20 transmits a replenishment instruction to the electronic value issuing system 30. This replenishment instruction includes data on the identifier and replenishment amount of the mobile phone terminal 10 that has made the replenishment request.
[0059]
The electronic value issuing system 30 that has received the replenishment instruction transmits the electronic value for the replenishment amount to the mobile phone terminal 10 (S1-9). Here, it is specified based on the identifier of the mobile phone terminal 10 included in the replenishment instruction received from the financial institution system 20 as the transmission destination of the electronic value.
[0060]
Upon receiving this electronic value, the control unit 11 of the mobile phone terminal 10 executes an electronic value replenishment process (S1-10). First, the control unit 11 stores the received electronic value in the electronic value data storage unit 12. Next, the control unit 11 performs storage verification processing of electronic value. Here, the total of electronic value stored in the electronic value data storage unit 12 is calculated and verified by checking whether the maximum balance has been reached. Then, the control unit 11 of the mobile phone terminal 10 outputs a display screen 530 illustrated in FIG. 7 to the display unit 101.
[0061]
Next, the control unit 11 transmits an electronic value replenishment result notification to the electronic value issuing system 30. When the verification of the storage of electronic value is completed, the control unit 11 transmits a replenishment result notification including data indicating that replenishment has been completed. Here, when the control unit 11 cannot verify the storage of the electronic value, a replenishment result notification including data indicating incomplete replenishment is transmitted.
[0062]
The electronic value issuing system 30 that has received the value replenishment result notification including data indicating that replenishment has been completed transmits a replenishment completion notification to the financial institution system 20 (S1-11). On the other hand, when receiving a supplementary result notification including data indicating incomplete supplementation, the electronic value issuing system 30 transmits a supplemental incomplete notification to the financial institution system 20.
[0063]
Receiving this replenishment completion notice, the financial institution system 20 performs remittance processing to the account of the electronic value issuing organization (S1-12). Specifically, the financial institution system 20 uses the account management data storage unit 21 to perform processing for transferring the replenishment amount withdrawn from the user's account to the account of the electronic value issuing institution. On the other hand, when the replenishment incomplete notification is received from the electronic value issuing system 30, the replenishment cost that has been withdrawn is returned to the user account. Thus, the electronic value replenishment process is completed.
[0064]
As described above, according to the present embodiment, the following effects can be obtained.
In the above embodiment, the user setting data storage unit 13 stores the user setting data 130 for executing the value check process. Then, the control unit 11 of the mobile phone terminal 10 confirms the balance of the electronic value stored in the electronic value data storage unit 12 at a predetermined time, and performs replenishment processing of the electronic value as necessary. For this reason, the user can replenish electronic value efficiently. For example, when the usage frequency of the electronic value is high, the user knows the balance of the electronic value, but when the usage frequency of the electronic value is low, the user may forget the electronic value balance. Even in such a case, the predetermined balance is stored in the electronic value data storage unit 12 of the mobile phone terminal 10, and the convenience for the user can be improved.
[0065]
In the above embodiment, the user setting data storage unit 13 stores the user setting data 130 for executing the value check process. The user setting data 130 includes data related to the check time. The control unit 11 extracts the highest balance recorded in the user setting data storage unit 13 and calculates the difference between the highest balance and the electronic value balance. This difference becomes the replenishment amount. At this check time, the control unit 11 of the mobile phone terminal 10 checks the balance of the electronic value stored in the electronic value data storage unit 12, and performs an electronic value replenishment process if necessary. Thereby, the balance of a predetermined electronic value can be replenished at the check time. Therefore, the user can grasp the balance of the electronic value relatively easily.
[0066]
In the above embodiment, the user setting data storage unit 13 stores the user setting data 130 for executing the value check process. The user setting data 130 includes data relating to the maximum balance. And the control part 11 of the mobile telephone terminal 10 shall replenish electronic value so that a value balance may become the highest balance. For this reason, the user can reduce the trouble of calculating the replenishment amount and can efficiently replenish electronic value.
[0067]
In the above embodiment, when the electronic value balance is less than the minimum balance, the display screen 510 for supplementing the electronic value is output to the display unit 101 of the mobile phone terminal 10. This display screen 510 includes a replenishment amount setting field 512. In the replenishment amount setting column 512, the replenishment amount calculated by the control unit 11 is set as an initial value. When the replenishment amount setting field 512 is selected using the selector button 102, the user can change the setting of the replenishment amount setting field 512 using the dial number button 110. For this reason, the user can change the balance in consideration of the use schedule of the electronic value.
[0068]
In the above embodiment, the user setting data storage unit 13 stores the user setting data 130 for executing the value check process. The user setting data 130 includes data relating to the minimum balance. And when there exists an electronic value balance more than the minimum balance, the control part 11 of the mobile telephone terminal 10 complete | finishes an electronic value check process. For this reason, when the balance is more than the minimum balance, the replenishment process is not executed even after the electronic value is used. Therefore, the amount of communication with the financial institution system 20 can be reduced by reducing the frequency of replenishment of electronic value.
[0069]
In the above embodiment, the user setting data storage unit 13 stores the user setting data 130 for executing the value check process. The user setting data 130 includes data related to the withdrawal account identifier. The display screen 510 for replenishing electronic value includes a withdrawal account display field 513. In the withdrawal account display field 513, a withdrawal account identifier recorded in the user setting data storage unit 13 is set. For this reason, the user can perform banking processing efficiently.
[0070]
In the above embodiment, when the electronic value balance is less than the minimum balance, the control unit 11 of the mobile phone terminal 10 outputs the display screen 510 for replenishing the electronic value after calculating the replenishment amount. The display screen 510 is provided with a customer number and password input field 514 for using a banking service (mobile banking service) by a mobile phone terminal. The replenishment request transmitted from the control unit 11 of the mobile phone terminal 10 to the financial institution system 20 includes data relating to each item (replenishment amount, withdrawal account identifier, customer number, password) set on the display screen 510. For this reason, the financial institution system 20 can perform banking processing after performing user authentication.
[0071]
In the above embodiment, when the funds for replenishing the electronic value can be secured, the financial institution system 20 executes the replenishment instruction process. At this stage, in this case, the financial institution system 20 deducts the replenishment cost from the user's deposit account and holds the funds. Then, the electronic value issuance system 30 has completed the verification processing that the electronic value transmitted to the mobile phone terminal 10 is stored in the electronic value data storage unit 12 and has received the supplementary result notification from the mobile phone terminal 10 The system 30 transmits a result notification to the financial institution system 20. The financial institution system 20 that has received the result notification performs remittance processing to the account of the electronic value issuing institution. For this reason, the funds can be transferred from the user account to the account of the electronic value issuing organization only when the electronic value is reliably provided.
[0072]
In addition, you may change the said embodiment into the following aspects.
In the above embodiment, the mobile phone terminal 10 is used as the user terminal. The user terminal is not limited to a mobile phone terminal, and a mobile computer terminal such as a PDA may be used. Thereby, this service can be provided using various channels.
[0073]
In the above embodiment, the user setting data storage unit 13 stores the user setting data 130 for executing the value check process. The user setting data 130 includes data related to the check time. Then, the control unit 11 of the mobile phone terminal 10 confirms the balance of the electronic value stored in the electronic value data storage unit 12 at a predetermined time, and performs replenishment processing of the electronic value as necessary. The check time is not limited to this, and the electronic value check process may be executed at a predetermined cycle. For example, it may be performed several times a day or once every predetermined day. In this case, the display screen 500 shown in FIG. 5 includes a check time setting field 501 for setting a check time and a check cycle, and the set time and cycle are recorded in the user setting data storage unit 13. As a result, it is possible to freely set according to the situation of the user, and convenience can be improved.
[0074]
In the above embodiment, when the electronic value balance is less than the minimum balance, the control unit 11 of the mobile phone terminal 10 outputs the display screen 510 for replenishing the electronic value after calculating the replenishment amount. Then, the user confirms the contents of each column, enters the customer number and password, and selects the enter button. In this case, the mobile phone terminal 10 transmits a replenishment request to the financial institution system 20 via the network N. This replenishment request includes data relating to each item (replenishment amount, withdrawal account identifier, customer number, password) set on the display screen 510. Instead of this, the control unit 11 of the mobile phone terminal 10 may automatically transmit a replenishment request to the financial institution system 20. In this case, data relating to a user identifier (here, customer number, password) necessary for user authentication of the financial institution system 20 is recorded in the user setting data storage unit 13 in advance. Thereby, the user can replenish electronic value more efficiently.
[0075]
In the above embodiment, the control unit 11 of the mobile phone terminal 10 that has received the electronic value from the electronic value issuing system 30 executes the electronic value replenishment process. In this case, the control unit 11 stores the received electronic value in the electronic value data storage unit 12, and performs a verification process for storing the electronic value. The control unit 11 transmits a replenishment result notification to the electronic value issuing system 30. Depending on the result, the electronic value issuing system 30 transmits a replenishment completion notice or a replenishment incomplete notice to the financial institution system 20. Not limited to this, if the financial institution system 20 can grasp the replenishment result of the electronic value, the control unit 11 of the mobile phone terminal 10 may transmit a replenishment completion notification or a replenishment incomplete notification to the financial institution system 20.
[0076]
In the above embodiment, when the account balance is less than the replenishment cost and funds for replenishing electronic value cannot be secured, the financial institution system 20 transmits an impossibility notification to the mobile phone terminal 10. A display screen 520 shown in FIG. 7 is output to the display unit 101 of the mobile phone terminal 10 that has received the notification of inability. The display screen 520 may include information on the account balance of the user in the account management data storage unit 21. As a result, the user can easily grasp the cause of the failure of supplementation.
[0077]
In the above embodiment, different values are set for the maximum balance as the upper limit balance and the minimum balance as the reference balance. Instead, the same amount may be set. In this case, it is replenished at 6:30 the next time the electronic value is used. For this reason, the user can expect the same balance at a predetermined time.
[0078]
【The invention's effect】
As described above in detail, according to the present invention, it is possible to efficiently replenish electronic value stored in a mobile terminal.
[Brief description of the drawings]
FIG. 1 is a system schematic diagram of an embodiment of the present invention.
FIG. 2 is a schematic configuration diagram of a mobile phone terminal according to the present embodiment.
FIG. 3 is an explanatory diagram of a processing procedure of the present embodiment.
FIG. 4 is an explanatory diagram of a processing procedure of the present embodiment.
FIG. 5 is an explanatory diagram of a display screen displayed on a mobile phone terminal.
FIG. 6 is an explanatory diagram of a display screen displayed on the mobile phone terminal.
FIG. 7 is an explanatory diagram of a display screen displayed on a mobile phone terminal.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 10 ... Mobile phone terminal as a mobile terminal, 11 ... Control part as control means, 12 ... Electronic value data storage part as electronic value storage means, 13 ... User setting data storage part as supplement condition data means, 20, 30 ... financial institution system as value issuing institution system, electronic value issuing system, 120 ... electronic value.

Claims (10)

A method for managing the replenishment of electronic value using a mobile terminal having a replenishment condition data storage means and a control means for recording data on electronic value storage means, balance confirmation time and reference balance,
The control means is
A first step of calculating a balance of electronic value stored in the electronic value storage means at the balance confirmation time;
A second step of sending a replenishment request to the value issuing institution system when the balance is less than or equal to the reference balance;
A third step of transmitting a replenishment result notification to the value issuing institution system when the storage of the received electronic value related to the replenishment request in the electronic value storage means is completed. Value management method. The replenishment condition data storage means further records data on the upper limit balance,
The second step includes a step of calculating a difference amount between the upper limit balance and the balance,
The electronic value management method according to claim 1, wherein the replenishment request includes data regarding the difference amount. The replenishment condition data storage means further records data for specifying a withdrawal account relating to funds for providing electronic value,
The electronic value management method according to claim 1 or 2, wherein the replenishment request includes data for specifying the withdrawal account. The second stage includes
Including a step of outputting a banking screen showing an amount necessary for replenishing the electronic value and prompting for a PIN for using the banking service,
4. The electronic value management method according to claim 3, wherein the replenishment request includes data related to the personal identification number. The third stage includes
After storing the received electronic value in the electronic value storage means, verify the balance of the electronic value stored in the electronic value storage means,
5. The electronic value management method according to claim 1, wherein when the verification is completed, a replenishment completion notification is transmitted to the value issuing institution system as a replenishment result notification. A program for managing replenishment of electronic value using a mobile terminal having a replenishment condition data storage means and control means for recording data on electronic value storage means, balance confirmation time and reference balance,
The control means;
First means for calculating a balance of electronic value stored in the electronic value storage means at the balance confirmation time;
A second means for transmitting a replenishment request to the value issuing institution system when the balance is equal to or less than the reference balance;
When the electronic value received with respect to the replenishment request has been stored in the electronic value storage means, the electronic value is made to function as a third means for transmitting a replenishment result notification to the value issuing institution system. Value management program. The replenishment condition data storage means further records data on the upper limit balance,
The second means includes means for calculating a difference amount between the upper limit balance and the balance,
The electronic value management program according to claim 6, wherein the replenishment request includes data relating to the difference amount. The replenishment condition data storage means further records data for specifying a withdrawal account relating to funds for providing electronic value,
8. The electronic value management program according to claim 6, wherein the replenishment request includes data for specifying the withdrawal account. The second means includes
Including a means for outputting a banking screen showing the amount of money necessary for replenishing electronic value and prompting for the input of a PIN for using the banking service;
9. The electronic value management program according to claim 8, wherein the replenishment request includes data relating to the personal identification number. The third means includes
After storing the received electronic value in the electronic value storage means, verify the balance of the electronic value stored in the electronic value storage means,
The electronic value management program according to any one of claims 6 to 9, wherein when the verification is completed, a replenishment completion notification is transmitted to the value issuing institution system as a replenishment result notification.

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