JP2006099485A - System, controller, control method, and control program for offline debit processing - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an offline debit processing system capable of dispensing with charging operation for improvement of convenience and requiring less modification from an existing banking system. <P>SOLUTION: This offline debit processing system 100 is provided with a card 1 carried by a user for storing electronic money, a dispensing terminal 2 performing payment processing of electronic money stored in the card 1, a debit processing controller 3 controlling offline debit processing, and an accounting system processing device 4 regulating accounting processing. This system 100 takes a fixed deposit amount of a total account managed by the accounting system processing device 4 as a security and sets a fixed ratio of the fixed deposit amount as a use amount high limit m2 in the debit processing controller 3. The user stores a card inside use amount m3 within the use amount high limit m2 in the card 1 and sets the rest as a usable amount m4. When payment processing cannot be carried out, the debit processing controller 3 adds a part or the whole of the usable amount m4 to the card inside use amount m3 and renewing them up to date. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an offline debit process that is a settlement process using an offline debit card.

  In recent years, there has been an increasing demand for electronic money that allows users to purchase products without having to carry cash and receive services. The use of electronic money can simplify the cumbersome work of cash delivery and eliminate many of the negative effects of using cash (for example, various problems such as theft, damage, loss, etc.). Because you can.

  By the way, among such payments using electronic money, the “deposit hold method” and the “prepaid card method” are generally known for payment using an offline debit card.

The prior art document information related to this application includes the following.
Ishii Takatoshi, “Illustrated Electronic Money”, Toyo Keizai Inc., 1996 Kazuyoshi Oshima, “Overall of Bank Electronic Money” [online], Bulletin of Graduate School of Social Information Studies, Nihon University No. 4,246-255 (2003), [searched on September 20, 2004], Internet <URL: http://atlantic2.gssc.nihon-u.ac.jp/kiyou/pdf04/4-246-255- -oshima.pdf>

  However, the settlement using the above-mentioned prepaid card type offline debit card requires a charging action for the user, and the troublesomeness of the charging action is an obstacle to the spread of the offline debit card. .

  In addition, in the settlement using the deposit hold type offline debit card, a certain amount of balance is required in the savings account at the time of charging, so the user must always pay attention to the deposit balance. There is a problem that is low.

  Furthermore, in order to realize settlement using the deposit hold type off-line debit card, a dedicated usage limit is set for the ordinary deposit account, which requires a large amount of cost for improving the existing bank system. is there.

  The present invention has been made in view of the above circumstances, and improves the convenience by eliminating the need for a charging action, and the offline debit processing system, the off-line debit processing control device, which requires less modification to the existing bank system, An object of the present invention is to provide an off-line David processing control method and an off-line David processing control program.

  In order to achieve the above object, the present invention according to claim 1 is connected to a financial institution connected to a payment apparatus that performs a payment process of electronic value stored in a storage device that can be carried by a user via a communication network. An offline debit processing system that performs offline debit processing using the user's time deposit as a collateral for opening a general account, managing information related to the general account of the user, and receiving and paying through the general account An account processing device to manage, and an offline debit processing control device for exchanging data with each of the account processing device and the payment device, and controlling offline debit processing, the offline debit processing control device, The predetermined percentage of the time deposit in the user's general account managed by the account processing device is In addition to setting the upper limit of the usage amount in the line David process, the upper limit of the usage amount is set as an available amount that is not transferred to the recording device, and the upper limit of the usage amount and the available amount are managed for each user. Means for registering in the service management information storage means, and when the user cannot perform payment processing due to a shortage of electronic value balance in the payment device, or when the payment processing at a predetermined time, the electronic value from the payment device Means for receiving the recovery request, means for instructing to add a part or all of the available amount as a recovery amount to the amount stored in the recording device via the payment device, and the recovery amount And means for reflecting the available amount obtained by subtracting the available amount in the available amount in the service information storage means.

  According to a second aspect of the present invention, in the first aspect of the invention, the offline debit processing control device includes a payment information storage means for storing payment history information of the payment processing appropriately received from the payment device, and the payment A means for counting the payment amount of the offline debit process in a predetermined period of the user based on history information, and sending an account withdrawal processing request including the settlement amount to the account processing device; and an account withdrawal process When a result indicating that the settlement amount has been deducted from the ordinary deposit account in the user's general account is received from the account processing device that has performed the transaction, the amount obtained by adding the settlement amount to the available amount is And means for reflecting in the available amount of the service management information storage means.

  According to a third aspect of the present invention, in the first or second aspect of the invention, the service information storage unit further includes a storage device usage amount upper limit usable in the storage device, and the recovery amount is It is characterized in that it is set in response to the upper limit of the usage amount in the storage device.

  The present invention as set forth in claim 4 manages a payment device that performs a payment process of an electronic value stored in a storage device that can be carried by a user, and information related to the user's general account in a financial institution, An account processing device for managing deposits and payments via a general account, and an offline debit processing control device that is connected via a communication network and controls offline debit processing with a fixed deposit of the general account as collateral, A predetermined ratio of the fixed deposit in the user's general account managed by the account processing device is set as a usage amount upper limit in offline debit processing, and the usage amount upper limit is not transferred to the recording device Service management that sets the amount of money as an available amount and manages the upper limit of the amount used and the amount available for each user Means for registering in the information storage means, and when the user cannot perform payment processing due to a shortage of electronic value balance in the payment device, or when payment processing at a predetermined time, Means for receiving a recovery request; means for instructing to add a part or all of the available amount as a recovery amount to the amount stored in the recording device via the payment device; and the recovery amount And means for reflecting the subtracted usable amount in the usable amount of the service information storage unit.

  According to a fifth aspect of the present invention, in the fourth aspect of the invention, based on the payment history information, payment information storage means for storing payment history information of the payment process received as appropriate from the payment device, From the means for counting the settlement amount of the offline debit process in a predetermined period of the user, sending an account withdrawal processing request including the settlement amount to the account processing apparatus, and the account processing apparatus that has performed the account withdrawal process, When receiving a result indicating that the settlement amount has been deducted from a savings account in the user's general account, an amount obtained by adding the settlement amount to the available amount is stored in the service management information storage unit. And means for reflecting the available amount.

  According to a sixth aspect of the present invention, in the invention according to the fourth or fifth aspect, the service information storage unit further includes an upper limit in the storage device usage amount that can be used in the storage device, and the recovery amount is It is characterized in that it is set in response to the upper limit of the usage amount in the storage device.

  The present invention as set forth in claim 7 manages information related to a payment device for electronic value stored in a storage device that can be carried by a user, and information related to the user's general account in a financial institution, An off-line David processing control method in which an account processing device for managing deposits and payments via a general account and a computer connected via a communication network respectively control off-line David processing with a fixed deposit of the general account as collateral And setting a predetermined percentage of the time deposit in the user's general account managed by the account processing device as a usage amount upper limit in offline debit processing, and out of the usage amount upper limit to the recording device Set the amount that has not been transferred as the available amount, and manage the upper limit and the available amount for each user Registering in the service management information storage means, and when the user is unable to perform payment processing due to a shortage of electronic value balance in the payment device, or when the payment processing is performed at a predetermined time, from the payment device to the electronic device Receiving a recovery request for an objective value, instructing to add a part or all of the available amount as a recovery amount to the amount stored in the recording device via the payment device; Reflecting the available amount obtained by subtracting the recovery amount in the available amount of the service information storage means.

  The present invention as set forth in claim 8 manages information related to a payment device for electronic value stored in a storage device that can be carried by a user and information relating to the user's general account in a financial institution, A computer connected to each account processing device for managing deposits and payments via a general account via a communication network is an offline debit processing control program for controlling offline debit processing with a fixed deposit of the general account as collateral. A predetermined ratio of the fixed deposit in the user's general account managed by the account processing device is set as a usage amount upper limit in offline debit processing, and the usage amount upper limit is transferred to the recording device. The amount not used is set as the available amount, and the upper limit and the available amount are set for each user. Registering in the service management information storage means to be managed, and when the user cannot perform payment processing due to a shortage of electronic value balance in the payment device, or at the time of payment processing at a predetermined time, from the payment device Receiving a request for recovery of electronic value; instructing via the payment device to add a part or all of the available amount as a recovery amount to the amount stored in the recording device; Reflecting the available amount obtained by subtracting the recovery amount in the available amount of the service information storage means.

  According to the present invention, an off-line David processing system, an off-line David processing control device, an off-line David processing control method, and off-line David processing that improve convenience by eliminating the need for a charging action and that require less modification to an existing bank system. A control program can be provided.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

  FIG. 1 is a schematic configuration diagram of an offline debit processing system 100 according to an embodiment of the present invention. An offline David processing system 100 shown in FIG. 1 includes a card 1 in which electronic money owned by a user is recorded, a payment terminal 2 that performs payment processing of electronic money recorded in the card 1, and a payment terminal 2 via a communication network. And a system configuration having a bill processing control device 3 that controls offline David processing, and a bill processing control device 4 that is connected to the David processing control device 3 via a communication network and that controls bill processing. It has become. Hereinafter, the service provided to the user by the offline David processing system 100 is referred to as an offline David service 10.

  Here, a basic concept of using electronic money in the offline David processing system 100 will be described. FIG. 7 is a diagram showing a relationship among the account processing device 4, the David processing control device 3, and the card 1 of the offline David processing system 100 with respect to the electronic money usage amount. First, as a premise of the present invention, a user needs to have a general account in a financial institution participating in the offline David processing system 100, and a fixed deposit amount m1 ( Using the fixed amount of time deposit m1 (10% in FIG. 7) as the upper limit m2 (10,000 yen in FIG. 7) that can be used with electronic money, with David as the collateral The control device 3 is set. That is, the offline debit processing system 100 sets the upper limit m2 of the electronic money usage with the fixed deposit that cannot be withdrawn for a certain period as collateral, so that the user does not need to charge and the account balance is not taken care of. This system can be used without having to

  The user can use electronic money within the range of the usage amount upper limit m2 set in the David processing control apparatus 3. Specifically, a part or all of the in-card use amount upper limit m5 that can be used with the card 1 out of the use amount upper limit m2 (in FIG. 7, the user instructs a desired amount within the range of 0 to 10,000 yen). Is recorded on the card 1 as an in-card usage amount m3 (5000 yen in FIG. 7), and the remaining electronic money (amount of usage amount upper limit m2 not transferred to the card 1) is an available amount m4 (in FIG. 7) Is set to the David processing control apparatus 3 as 5000 yen).

  When the user purchases a desired product using the card 1, the card usage amount m3 of the card 1 is reduced by the payment amount with the payment terminal 2, and the card usage amount m3 is reduced. (In FIG. 7, when a product of 2000 yen is purchased and payment processing is performed, the card usage amount m3 is 3000 yen). Finally, at the account processing device 4 at the time of a predetermined settlement, the payment amount (2000 yen described above) is deducted from the user's ordinary account and the settlement process ends (in FIG. 7, payment of 2000 yen). After the processing, when the 2000 yen is successfully withdrawn from the ordinary account, the available amount m4 of the David processing control device 3 is added to 2000 yen and updated to 7000 yen).

  In addition, when trying to purchase a product that exceeds the in-card usage amount m3 of the card 1, it is not possible to purchase with only the in-card usage amount m3 in the card 1, so that the available amount from the David processing control device 3 The in-card usage amount m3 is increased within the range of m4 (this process is called recovery processing. For example, in FIG. 7, when purchasing a product of 7000 yen, 5000 in the in-card usage amount m3 Since it cannot be purchased in yen, 2000 yen out of 5000 yen of the available amount m4 of the David processing control device 3 is added to the in-card usage amount m3 of the card 1, and the in-card usage amount m3 is updated to 7000 yen. The available amount m4 of 5000 yen is reduced to 3000 yen).

  As described above, the offline debit processing system 100 is basically configured such that the payment process is completed in a closed system of the card 1 and the payment terminal 2 (hereinafter, payment in the present embodiment). The processing is also referred to as offline payment processing). Since the David processing control device 3 centrally manages the information necessary for the offline debit processing, for example, when the card 1 cannot be paid, the David processing control device 3 By performing the recovery process, the offline debit process can be suitably controlled. As a result, the off-line David processing system 100 can be constructed without major modifications to the bill processing apparatus 4 that has been operating for a long time.

  Next, each component of the offline David processing system 100 will be described.

  Specifically, the card 1 includes a storage unit 11 that stores information about electronic money, and an arithmetic processing unit 12 that performs various calculations. The storage unit 11 includes card identification information and a card that can uniquely identify the card. In-card usage amount m3, which is an amount that can be purchased using 1, a payment history using card 1, a recovery execution flag (the meaning of the recovery execution flag will be described later), and the like are stored.

  The payment terminal 2 is installed in a member store to which an offline debit processing system 100 such as a store is applied, and a terminal device in which a user performs offline payment processing using the card 1 as a price for a desired product or service. It is. Specifically, the payment terminal 2 performs payment processing between the storage unit 21 that stores payment history and the like for each card identification information, the communication unit 22 that communicates with the card 1 and the David processing control device 3, and the card 1. Unit 23, recovery unit 24 that performs a recovery process for increasing the in-card usage amount m3 when the card 1 cannot perform the payment process, and information related to the payment history periodically stored in the storage unit 21 to the David processing control device 3 It is the structure which comprises the payment log | history transmission part 25 to transmit.

  The David processing control device 3 is a core device of the present invention, and communicates with the payment device 2 and the bill processing device 4 as appropriate to control the offline David processing. Specifically, the David processing control device 3 includes a service management information storage unit 31 that stores service management information for each user identification information (corresponding to card identification information) that can uniquely identify a user, The payment information transmitted from the payment terminal 2 is stored as payment information sorted for each user, the payment information storage unit 32, the communication unit 33 for communicating with the payment terminal 2 and the accounting system processing device 4, the accounting system processing device 4, a service management unit 34 that sets service management information in cooperation with the payment terminal 2, a recovery unit 35 that performs recovery processing in cooperation with the payment terminal 2, and a payment information management unit 36 that manages payment information stored in the payment information storage unit 32. It is the structure which comprises.

  Here, the service management information stored in the service management information storage unit 31 includes user identification information, user information, card identification information, general account information, usage amount upper limit m2, in-card usage amount upper limit m5 (use amount upper limit m2 is the upper limit of the usage amount that can be used with the card 1, m5 ≦ m2), the available amount m4 that is the upper limit of the usage amount that can be provided to the card 1 at the time of recovery, and the recovery history. The usage amount upper limit m2 and the in-card usage amount upper limit m5 are values that are not updated in various processing described later when set in the usage application processing described later, but the available amount m4 is an offline payment processing described later. This value is updated by recovery processing and account withdrawal processing.

  The accounting system processing device 4 is provided in a financial institution participating in the offline David processing system 100, and is a device that manages information related to the user's general account and performs accounting system processing. Specifically, the account processing device 4 includes a storage unit 41 in which customer management information 411, general account management information 412, and fixed deposit saving account management information 413 are stored, and a general account and a fixed deposit saving account stored in the storage unit 41. In connection with the offline management of the account management unit 42, the communication processing unit 43 that communicates with the David processing control device 3, and the offline processing of the David processing control device 3, the account information inquiry, the account debiting, and the offline David processing system 100 The configuration includes an offline David service control unit 44 that inquires and updates the management information.

  Here, the general account information 412 manages the account NO and savings balance of the ordinary deposit, and is associated with the fixed deposit account information (specifically, it is associated with the fixed deposit account management information 413. The balance m1) is managed. Further, the offline debit service information i1 of the time deposit account management information 413 is a data item newly established for the offline debit service 10, and indicates the service contract status (whether the off-line debit service 10 is contracted or non-contracted). I2), limit amount information in the offline David service 10 (held as a ratio or amount; m2 for amount; 10% or 10,000 yen in the example of FIG. 7) i3, etc. .

  The card 1, the payment device 2, the David processing control device 3, and the bill processing device 4 described above have a central processing unit (CPU) having at least a calculation function and a control function, and a function for storing programs and data. It is composed of an electronic device having a main storage device (memory) composed of RAM or the like. Further, the payment device 2, the David processing control device 3, and the bill processing device 4 may include an auxiliary storage device such as a hard disk in addition to the main storage device.

  A program for executing various processes according to the present embodiment is stored in the main storage device or the hard disk described above. The program can be recorded on a computer-readable recording medium such as a hard disk, a flexible disk, a CD-ROM, an MO, or a DVD-ROM, or can be distributed via a communication network.

  Next, the operation of the offline debit processing system 100 according to the present embodiment will be described with reference to FIGS. Here, FIG. 2 is a sequence diagram for explaining the process of applying for use of the offline David service 10, FIGS. 3 and 4 are sequence diagrams for explaining the offline payment process, and FIG. 5 explains the recovery process. FIG. 6 is a sequence diagram for explaining a process related to debiting a payment amount.

  First, with reference to FIG. 2, processing for applying for use of the offline David service 10 will be described.

  The user applies to the David processing control device 3 for the use of the offline David service 10 (in addition to the purpose of use application, the total amount of money that can be used with the general account NO, the card 1, that is, the in-card use amount upper limit m5 is also set. If included, the David processing control device 3 requests the account processing device 4 to inquire about the contract status of the offline David service 10 for the received general account NO (steps S10 and S20).

  The account processing device 4 refers to the corresponding time deposit account management information 413 according to the general account NO, and transmits information on the presence / absence of the time deposit (deposit and savings balance m1) and the service contract state i2 to the David processing control device 3. (Steps S30 and S40).

  Based on the received information, the David processing control device 3 determines that it is possible to apply when the user's application deposit is saved and the offline David service 10 is in a non-contracted state. An inquiry for information i3 is requested (steps S50, S60, S70). On the other hand, when there is no fixed deposit of the use applicant or the contract status of the offline David service 10 is the contract status, it is determined that the application cannot be applied to the offline David service 10 (steps S50, S60, S80).

  The account processing device 4 refers to the corresponding time deposit account management information 413 according to the general account NO, and transmits the limit information i3 to the David processing control device 3 (steps S90 and S100).

  Upon receiving the limit amount information i3, the David processing control device 3 calculates the usage amount upper limit m2, the usable amount m4, and the in-card usage amount upper limit m5 and registers them in the service management information storage unit 31 together with other service management information. (Steps S110 and S120). Specifically, the fixed deposit amount (deposit and savings balance m1) × deposit and saving ratio (limit amount information i3) is set for the usage amount upper limit m2, and the calculated usage amount upper limit m2 is set for the available amount m4. The in-card usage amount upper limit m5 is set to the in-card usage amount upper limit amount that is instructed to have a usage application (for example, the calculated usage amount upper limit m2 is 10,000 yen, If the usage amount upper limit amount is 7000 yen, the usage amount upper limit m2 = 10,000 yen, the usable amount m4 = 10,000 yen, and the in-card usage amount upper limit m5 = 7000 yen).

  Next, the David processing control device 3 transmits an update instruction for the service contract state i2 of the general account NO to the accounting system processing device 4 (step S130).

  The account processing device 4 updates the service contract state i2 of the corresponding time deposit account management information 413 from the non-contract to the contract according to the general account NO (step S140). Finally, the accounting system processing device 4 transmits a notification that the update of the service contract status is completed to the David processing control device 3 (step S150).

  Next, the offline payment process will be described with reference to FIG. FIG. 3 is a sequence diagram of an offline payment process in which a recovery process is performed when the in-card usage amount m3 is insufficient at the time of payment.

  When the user uses the card 1 for payment processing to the payment device 2, the payment device 2 transmits a payment instruction (including the payment amount p1) to the card 1 (step S210).

  Card 1 compares payment amount p1 and in-card usage amount m3. If in-card usage amount m3 ≧ payment amount p1, payment processing can be performed with electronic money in card 1, so subtraction processing in card 1 (In-card usage amount m3−Payment amount p1) is performed, and the subtracted amount is updated as the in-card usage amount m3, and it is determined whether or not the recovery execution flag is ON (steps S220, S230, and S240).

  Here, the recovery execution flag is a flag for determining whether or not the recovery process is performed during the payment process. When the recovery execution flag is ON, it means that the recovery process has been performed (the in-card usage amount m3 is increased). When it is OFF, it means that no recovery process is performed.

  When the recovery execution flag is ON in step S240, the card 1 updates the recovery execution flag to OFF. When the recovery execution flag is OFF in step S240, the card 1 Information, a payment result (OK), and the payment amount p1 are transmitted to the payment apparatus 2 (steps S240, S250, and S260).

  In response to this, the payment apparatus 2 creates a payment history, registers it in the storage unit 21, and ends the offline payment process.

  On the other hand, in step S220, when the in-card usage amount m3 <payment amount p1, payment processing cannot be performed with the electronic money in the card 1, so the card 1 has the card identification information, the payment result (NG), The recovery execution flag is transmitted to the payment apparatus 2 (step S270).

  The payment apparatus 2 determines whether or not the recovery execution flag is ON from the received information, and when it is OFF, the recovery process has not been performed yet, so the recovery process is performed (steps S280 and S400). On the other hand, when the recovery execution flag is ON, since the recovery processing has been performed once (when the recovery processing has been performed but offline payment processing cannot be performed), an instruction to turn the recovery execution flag OFF is transmitted to the card 1. (Steps S280 and S290). In this case, the card 1 updates the recovery execution flag to OFF, transmits a notification that the update has been completed to the payment device 2, and ends the offline payment process (steps S300 and S310).

  Note that after the recovery process is performed in step S400, the offline payment process (steps S210 to S310) described above is performed again.

  Further, the offline payment processing at the time of payment is as described above, but it is necessary to perform post-processing at a predetermined timing, for example, periodically. This is because the payment history stored in the payment device 2 every time offline payment processing is sent to the David processing control device 3, and the David processing control device 3 sorts the payment history for each card identification information for each user. The payment information is stored in the payment information storage unit 32 as payment information (steps S320 and S330).

  Next, another pattern of offline payment processing will be described with reference to FIG. FIG. 4 is a sequence diagram of offline payment processing when the user performs recovery processing when using the first electronic money of the month.

  First, since the payment device 2 requests a payment history from the card 1, the card 1 transmits the payment history stored in the storage unit 11 to the payment device 2 (steps S340 and S350).

  When the payment device 2 receives the payment history, the payment device 2 determines from the payment history whether the current offline payment processing is the first payment in the month, and if it is the first payment, performs the recovery processing. After that, the offline payment process described above is performed (steps S360, S400, S210 to S310). On the other hand, when it is not the first payment, the offline payment process described above is performed (steps S360, S210 to S310).

  As described above, the two patterns of offline payment processing have been described. However, the present invention may be applied to other patterns, for example, offline payment processing combining two patterns (a pattern for performing recovery processing at the time of payment and at the beginning of the month). Of course it is good.

  Next, the recovery process shown in step S400 will be described in detail with reference to FIG.

  First, the payment device 2 transmits a recovery request including the card identification information and the in-card usage amount m3 to the David processing control device 3 (step S410).

  Upon receiving the recovery request, the David processing control device 3 calculates a recovery amount to be given to the card 1 (= in-card usage amount upper limit m5−in-card usage amount m3), and the calculated recovery amount is less than the available amount m4. In this case, the recovery amount is transmitted as a recovery instruction to the card 1 via the payment device 2 (steps S430, S450, S460). On the other hand, when the calculated recovery amount exceeds the available amount m4, the amount exceeding the available amount m4 cannot be recovered. Therefore, the available amount m4 is set as the recovery amount and the payment device 2 is used. A recovery instruction is transmitted to the card 1 (steps S430, S440, S450, S460). Note that the recovery instruction includes an instruction to turn on the recovery execution flag.

  Upon receiving the recovery instruction, the card 1 adds the recovery amount to the in-card usage amount m3, sets the added amount to the in-card usage amount m3, sets the recovery execution flag to ON, and updates the storage unit 11 (step S1). S470). Then, the card 1 transmits a notification to the effect that the in-card usage amount m3 has been updated to the David processing control device 3 via the payment device 2 (steps S480 and S490).

  Upon receiving the update notification, the David processing control device 3 subtracts the recovery amount from the available amount m4, sets the subtracted amount as the available amount m4, and updates the available amount m4 in the service management information storage unit 31. (Step S500). Finally, the David processing control device 3 transmits to the payment device 2 that the recovery processing has been completed (step S510).

Next, with reference to FIG. 6, the David processing control apparatus 3 for explaining the processing related to the debiting of the payment amount, the settlement information stored in the settlement information storage unit 32 at a predetermined settlement time (for example, at the end of the month). The total amount of payment for each user is calculated from the above, and the amount charged for each user is calculated (steps S610 and S620).

  Next, the David processing control device 3 transmits an account withdrawal request to the accounting system processing device 4 based on the account number and billing amount for each user (step 630). In response to the account withdrawal request, the account processing device 4 performs an account withdrawal process, that is, a process of withdrawing the amount charged from the user's savings account, and transmits the withdrawal result to the David processing control apparatus 3 (step S640). .

  When the received deduction result is OK, the David processing control apparatus 3 adds the deduction amount to the available amount m4 and updates the available amount m4 in the service management information storage unit 31 (steps S660 and S670). On the other hand, when the received withdrawal result is NG, the processing related to the account withdrawal of the payment amount is terminated (the withdrawal process is performed again in the process related to the account withdrawal of the next payment amount).

  Therefore, according to the offline debit processing system 100 according to the present embodiment, a fixed amount of the time deposit is set as the upper limit amount of the offline debit processing using the time deposit in the user's general account as collateral, and the user is charged No action is required, and convenience can be improved.

  Further, since the David processing control device 3 controls the offline David processing, the payment processing is performed between the card 1 and the payment terminal 2, and the recovery processing is performed between the card 1, the payment terminal 2 and the David processing control device 3, so that the financial institution The offline debit processing system 100 can be constructed without significant modification of the existing account processing device 4.

  Furthermore, the David processing control device 3 cooperates with the accounting system processing device 4 and reflects the information related to the account deduction from the accounting system device 4 in the available amount of the offline David processing, thereby further improving convenience. And the use of electronic money is promoted.

1 is a schematic configuration diagram of an offline debit processing system according to an embodiment of the present invention. It is a sequence diagram explaining the operation | movement (process of utilization application of an offline David service) of the offline David processing system which concerns on embodiment of this invention. It is a sequence diagram explaining operation | movement (offline payment process) of the offline debit processing system which concerns on embodiment of this invention. It is a sequence diagram explaining operation | movement (offline payment process) of the offline debit processing system which concerns on embodiment of this invention. It is a sequence diagram explaining the operation | movement (recovery process) of the offline debit processing system which concerns on embodiment of this invention. It is a sequence diagram explaining the operation | movement (process regarding the account deduction of the payment amount in a payment process) of the offline debit processing system which concerns on embodiment of this invention. 2 is a diagram illustrating a basic concept of using electronic money in the offline David processing system 100. FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Card 2 Payment terminal 3 David processing control apparatus 4 Account processing apparatus 10 Offline devid service 11, 21, 41 Storage part 12 Arithmetic processing part 22, 33, 43 Communication part 23 Payment part 24, 35 Recovery part 25 Payment history transmission part 31 Service Management Information Storage Unit 32 Settlement Information Storage Unit 34 Service Management Unit 36 Settlement Information Management Unit 42 Account Management Unit 44 Offline David Service Control Unit 411 Customer Management Information 412 General Account Management Information 413 Time Deposit Account Management Information 100 Offline David Processing System i1 Offline David service information i2 Service contract status i3 Service limit m2 Usage limit m3 Card usage m4 Usable amount m5 Card usage limit

Claims (8)

Offline debit with the user's time deposit as a collateral connected to a payment device that performs electronic value payment processing stored in a storage device that can be carried by the user via a communication network An offline David processing system that performs processing,
Account information processing device for managing information related to the user's general account, and managing deposit and payment via the general account;
An off-line David processing control device for exchanging data with each of the bill processing device and the payment device, and controlling off-line David processing,
Have
The offline David processing control device is:
A predetermined ratio of the fixed deposit in the user's general account managed by the account processing device is set as a usage amount upper limit in offline debit processing, and the usage amount upper limit is not transferred to the recording device Means for registering in the service management information storage means for setting the amount of money as an available amount and managing the upper limit of the amount used and the available amount for each user;
Means for receiving a request for recovery of electronic value from the payment device when the user cannot perform payment processing due to a shortage of electronic value balance in the payment device or when payment processing at a predetermined time;
Means for instructing to add a part or all of the available amount as a recovery amount to the amount stored in the recording device via the payment device;
Means for reflecting the usable amount obtained by subtracting the recovery amount in the usable amount of the service information storage unit;
An off-line David processing system comprising: The offline David processing control device is:
Payment information storage means for storing payment history information of the payment process received as appropriate from the payment device;
Based on the payment history information, the payment amount of the offline debit processing in a predetermined period of the user is totaled, and a means for transmitting an account withdrawal processing request including the payment amount to the account processing device,
When a result indicating that the settlement amount has been deducted from the savings account of the user's general account is received from the account processing apparatus that has performed the account withdrawal processing, the settlement amount is added to the available amount Means for reflecting the amount of money made in the available amount of the service management information storage means;
The off-line David processing system according to claim 1.   The service information storage means further includes a storage device usage amount upper limit that can be used in the storage device, and the recovery amount is set in response to the storage device usage amount upper limit. The off-line David processing system according to claim 1 or 2. A payment device that performs payment processing of electronic values stored in a storage device that can be carried by a user, and manages information related to the user's general account in a financial institution, and deposits and pays through the general account An off-line debit processing control device connected to the accounting system processing device to be managed, respectively, and controlling off-line debit processing with the fixed deposit of the general account as collateral,
A predetermined ratio of the fixed deposit in the user's general account managed by the account processing device is set as a usage amount upper limit in offline debit processing, and the usage amount upper limit is not transferred to the recording device Means for registering in the service management information storage means for setting the amount of money as an available amount and managing the upper limit of the amount used and the available amount for each user;
Means for receiving the electronic value recovery request from the payment device when the user is unable to perform payment processing due to a shortage of electronic value balance in the payment device or when payment processing is performed at a predetermined time;
Means for instructing to add a part or all of the available amount as a recovery amount to the amount stored in the recording device via the payment device;
Means for reflecting the usable amount obtained by subtracting the recovery amount in the usable amount of the service information storage unit;
An off-line David processing control device comprising: Payment information storage means for storing payment history information of the payment process received as appropriate from the payment device;
Based on the payment history information, the payment amount of the offline debit processing in a predetermined period of the user is totaled, and a means for transmitting an account withdrawal processing request including the payment amount to the account processing device,
When a result indicating that the settlement amount has been deducted from the savings account of the user's general account is received from the account processing apparatus that has performed the account withdrawal processing, the settlement amount is added to the available amount Means for reflecting the amount of money made in the available amount of the service management information storage means;
The offline debit processing control device according to claim 4, wherein   The service information storage means further includes a storage device usage amount upper limit that can be used in the storage device, and the recovery amount is set in response to the storage device usage amount upper limit. The off-line David processing control device according to claim 4 or 5. A payment device that performs payment processing of electronic values stored in a storage device that can be carried by a user, and manages information related to the user's general account in a financial institution, and deposits and pays through the general account An account processing apparatus for managing, and a computer connected via a communication network, respectively, is an offline David processing control method for controlling offline David processing with the fixed deposit of the general account as collateral,
A predetermined ratio of the fixed deposit in the user's general account managed by the account processing device is set as a usage amount upper limit in offline debit processing, and the usage amount upper limit is not transferred to the recording device Setting the amount as an available amount, and registering the upper limit of the amount to be used and the available amount in a service management information storage unit for managing each user;
Receiving a request for recovery of the electronic value from the payment device when the user is unable to perform payment processing due to a shortage of electronic value balance in the payment device or when payment processing is performed at a predetermined time;
Instructing to add a part or all of the available amount as a recovery amount to the amount stored in the recording device via the payment device;
Reflecting the available amount obtained by subtracting the recovery amount in the available amount of the service information storage means;
An off-line David processing control method comprising: A payment device that performs payment processing of electronic values stored in a storage device that can be carried by a user, and manages information related to the user's general account in a financial institution, and deposits and pays through the general account A computer connected to each account processing device to be managed via a communication network is an offline David processing control program for controlling offline David processing with the fixed deposit of the general account as collateral,
A predetermined ratio of the fixed deposit in the user's general account managed by the account processing device is set as a usage amount upper limit in offline debit processing, and the usage amount upper limit is not transferred to the recording device Setting the amount as an available amount, and registering the upper limit of the amount to be used and the available amount in a service management information storage unit for managing each user;
Receiving a request for recovery of the electronic value from the payment device when the user is unable to perform payment processing due to a shortage of electronic value balance in the payment device or when payment processing is performed at a predetermined time;
Instructing to add a part or all of the available amount as a recovery amount to the amount stored in the recording device via the payment device;
Reflecting the available amount obtained by subtracting the recovery amount in the available amount of the service information storage means;
For executing an off-line David processing control program.

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