JP2006127390A - Debit payment system using cellular phone terminal and its method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce labor for measures against skimming on a debit terminal and the like and to improve prevention effect of an encryption code surreptitious reading in input of cash card information. <P>SOLUTION: A cellular phone terminal 90 is provided with a debit payment function for using cash card information and the like stored in an IC chip to communicate with a debit information processing center 100 or an electronic money management center 110 for performing debit payment and a processing function for holding a payment amount as an electronic money usable in a game parlor in the IC chip after completion of debit payment. The cellular phone terminal 90 holding the electronic money in the IC chip by the debit payment processing can be used for issuing a card or borrowing balls when it is brought close to an IC card reader/writer part installed in an electronic money terminal 70, a card issue machine 60A, and a card processing unit 50 inside the game parlor. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a debit payment system and method using a mobile phone terminal, and more particularly, to use a mobile phone terminal that performs debit payment using a mobile phone terminal and makes the debit payment amount available in an amusement store. The present invention relates to a debit settlement system and method.

  In game centers such as pachinko parlors, a system that realizes lending of game media used in pachinko machines installed on pachinko islands or pachinko machines installed on slot islands by debit payment is being put into practical use. .

  As a method of lending gaming media by debit payment, for example, a debit prepaid card system that issues a prepaid card by debit payment or a debit payment function provided in a table processing machine provided between gaming machines is provided with the debit payment function. There is a debit settlement game medium lending system that lends game media directly.

  As an example of this type of conventional system, for example, in Patent Document 1, an IC card reading unit is provided in a card processing unit, and data in an IC chip arranged on an IC member card, which is a member card adopting an IC card, is stored. A technique for sharing a membership card with various cards such as a credit card and a debit card other than the game hall by reading is disclosed.

  Patent Document 2 discloses a technique for connecting a debit terminal to a card issuer of a debit prepaid card system and using the debit terminal as a debit payment apparatus for accepting the debit card and issuing a card by debit payment. Yes.

  In this system, security such as holding the terminal is provided so as not to look into the password entered in the debit payment at the debit terminal.

  In Patent Document 3, a debit terminal is arranged for each inter-processor provided between gaming machines. In each inter-debit terminal, debit settlement is performed by inserting a cash card and inputting a personal identification number in the inter-processor. A system configuration to perform is disclosed.

  In addition, an attempt is being made to develop an ATM device using an IC card-compatible mobile phone terminal, in which the cash card information is stored in an IC in the mobile phone terminal and used as a substitute for the cash card. In this ATM, in the future, charging of electronic money and the like are also planned to be performed by ATM.

Some mobile phone terminals have a function of purchasing electronic money by inputting a credit number on an application downloaded through a mobile phone service.
JP 2002-301260 A JP 2003-144737 A JP 2002-922 A

  In the conventional gaming system described in Patent Documents 1 to 3, since most of the cash cards (debit cards) are magnetic cards, it is easy to create a copy, which takes time and effort for skimming. In particular, there is a problem that the product cost is very high to implement with the inter-unit processing unit arranged between the gaming machines.

  In addition, since the PIN number is entered on the numeric keypad at the fixed position of the cash card receiving device, there is no effective means of protection against the PIN code in general stores such as pachinko stores. There is a problem that the risk increases when mounting on the inter-unit processing unit.

  In addition, the upper limit on the use of debit payments at amusement halls is to check with a cash card ID and place a limit for each card, and one user holds multiple cash cards In this case, the limit amount increases according to the number of sheets, so that the effect of preventing sinking is reduced.

  In addition, in an ATM where an IC card-compatible mobile phone terminal can be used in place of a cash card, even if this technology is used as it is for a debit card, it does not change the operation at a fixed location, and the security for skimming is increased. Although there is a degree of effect, there is a problem that the improvement of the security level against the snooping of the personal identification number cannot be expected.

  The present invention solves the above-mentioned problems, reduces the amount of time required for skimming countermeasures for debit terminals, etc., and keeps the system cost low. It is an object of the present invention to provide a debit settlement system and method using a mobile phone terminal that has a high prevention effect against the intrusion caused by loosening of settlement restrictions.

  In order to achieve the above object, the invention described in claim 1 performs debit settlement through a debit information processing center using a mobile phone terminal, and uses the settlement amount withdrawn from a financial institution by the debit settlement in the amusement store. A debit payment system using a mobile phone terminal enabling the mobile phone terminal to communicate with the debit information processing center to request debit payment of a predetermined usage amount, and the payment request means A payment completion notice receiving means for receiving a payment completion notice transmitted from the debit information processing center based on a debit payment process between the debit information processing center and a predetermined financial institution based on a request for debit payment by the payment, and the payment The payment amount deducted from the financial institution based on the payment completion notification received by the completion notification receiving means is Characterized by comprising a value information storage means for storing a value information available within.

  The invention according to claim 2 is the invention according to claim 1, wherein the value storage means is electronic money storage means for storing the settlement amount as electronic money that can be used in the amusement store. And

  The invention according to claim 3 is the invention according to claim 1, wherein the value storage means is prepaid information storage means for storing the settlement amount as prepaid information that can be used in the game store. And

  According to a fourth aspect of the present invention, in the invention according to any one of the first to third aspects, the mobile phone terminal includes a storage unit that stores cash card information including an account number, and the settlement request unit includes: Accepting the payment amount and the input of the password corresponding to the cash card information, the payment amount and the password received by the receiving means based on the payment start operation, and the cash card stored in the storage means And means for sending the settlement request including information to the debit information processing center.

  The invention according to claim 5 is the invention according to any one of claims 1 to 3, wherein the settlement request means includes cash card information including an account number, a settlement amount, and a password corresponding to the cash card information. Receiving means, and means for sending the payment request including the cash card information, payment amount and password received by the receiving means to the debit information processing center based on a payment start operation. And

  The invention according to claim 6 is the invention according to any one of claims 1 to 3, wherein the mobile phone terminal inputs cash card information including an account number and authentication information corresponding to the cash card information. Registration information receiving means for receiving the registration information and transmitting the cash card information and authentication information received by the registration information receiving means to the debit information processing center so that the debit information processing center registers the cash card information and authentication information. And the payment requesting unit receives the authentication information, the payment amount and the password received by the reception unit based on the payment start operation. Means for sending the settlement request to the debit information processing center. Center, and performs a debit settlement processing based on the cash card information corresponding to the authentication information included in the settlement request from the mobile telephone terminal.

  The invention described in claim 7 is the electronic money management center according to any one of the first and second aspects, wherein the debit information center manages usage information of electronic money stored in the electronic money storage means. And the mobile phone terminal receives the input of the cash card information including an account number and the authentication information corresponding to the cash card information, and the registration information receiving unit receives the registration information receiving unit. Registration means for transmitting the cash card information and the authentication information to the electronic money management center and registering the cash card information and the authentication information in the electronic money management center. Accepting means for accepting the input of the amount and PIN, and accepting by the accepting means based on the settlement start operation Means for sending the payment request including the authentication information, the payment amount and the password to the electronic money management center, and the electronic money management center includes the authentication information included in the payment request from the mobile phone terminal. The debit information processing center is requested to perform debit payment processing based on the corresponding cash card information.

  The invention according to claim 8 is the invention according to any one of claims 1 to 7, wherein the settlement request means sends the settlement request further including terminal identification information of the mobile phone terminal to the debit information processing center. The debit information processing center includes a use restriction unit that restricts the use of the payment amount for each terminal identification number included in the payment request in response to the payment request from the payment request unit. It is characterized by that.

  The invention according to claim 9 is connected to an electronic money management center for managing usage information of electronic money stored in the electronic money storage means in the invention according to any of claims 1, 2, 7 and 8 above. An electronic money terminal and a recording medium issuing device attached to the electronic money terminal and having a game recording medium issuing function are installed in the game store, and the electronic money terminal Information reading / writing means for reading and writing electronic money information with the electronic money storage means of the telephone terminal, and the storage medium based on the balance of electronic money read by the information reading / writing means Control means for issuing a game recording medium corresponding to a predetermined selection amount from the issuing device.

  The invention described in claim 10 is connected to an electronic money management center that manages usage information of electronic money stored in the electronic money storage means in the invention described in any one of claims 1, 2, 7, and 8. A recording medium issuing device having a game recording medium issuing function is installed in the game store, and the recording medium issuing device is electronically connected to the electronic money storage means of the mobile phone terminal adjacent thereto. Information reading / writing means for reading and writing money information, and control means for issuing a game recording medium corresponding to a predetermined selected amount based on the balance of electronic money read by the information reading / writing means It is characterized by comprising.

  The invention according to claim 11 is the invention according to any one of claims 1, 2, 7, 8, 9, and 10, wherein a plurality of gaming machines for playing a game using a game medium, and the electronic money storage means An inter-bank processing unit connected to an electronic money management center for managing electronic money usage information stored in the game machine and having a gaming medium lending function to the gaming machine. The unit includes information reading / writing means for reading and writing electronic money information with the electronic money storage means of the cellular phone terminal adjacent thereto, and electronic data read by the information reading / writing means And control means for performing control for lending gaming media to the gaming machine based on the balance of money.

  The invention described in claim 12 uses a mobile phone terminal that uses a mobile phone terminal to make a debit payment through a debit information processing center and makes the payment amount deducted from a financial institution by the debit payment available in a game store. A settlement request step of communicating with the debit information processing center and requesting a debit settlement of a predetermined usage amount by a settlement request unit of the mobile phone terminal, and a debit settlement process by the settlement request unit A settlement completion notification for receiving a settlement completion notice transmitted from the debit information processing center based on a debit settlement process between the debit information processing center and a predetermined financial institution based on a request by the settlement completion notifying means of the mobile phone terminal A financial institution based on the receiving step and the payment completion notice received by the payment completion notice receiving means; Characterized by comprising a value information storing step of storing the value information storing means of said portable telephone terminal et the payment amount of money deducted as value information available in the game store.

  The invention according to claim 13 is the invention according to claim 12, wherein in the valuable value storing step, the settlement amount is stored as electronic money that can be used in the amusement store.

  The invention described in claim 14 is characterized in that, in the invention described in claim 12, in the valuable value storing step, the settlement amount is stored as prepaid information usable in the amusement store.

  According to the present invention, the mobile phone terminal requests debit payment of a predetermined usage amount by the payment requesting means, so that the debit information processing center and the predetermined financial institution are debited based on the debit payment request. A payment process is performed, and a payment completion notice received based on the debit payment process between the debit information processing center and a predetermined financial institution is received and the payment is withdrawn from the financial institution based on the payment completion notice It has a functional configuration for storing the money amount in the valuable value information storage means as valuable value information that can be used in the amusement store.

  According to the configuration of the present invention, since the player basically performs debit payment using his / her mobile phone terminal, the value stored in the valuable value information storage means of the mobile phone terminal by the debit payment is used. When the value information is used for purchasing a prepaid card for a game or renting a game medium, a debit terminal for debit payment processing is not required at the game store side, and there is no need to pass cash card information to a processing device at the game store side. As a result, the risk of the bank card information being stolen is reduced, and it is inevitably possible to reduce the trouble of skimming countermeasures, thereby reducing the cost of the system.

  In addition, since the debit payment can be completed on the mobile phone terminal side, the player can enter the password so that no other person can look into it with his / her mobile phone terminal. Compared with the case where the password is entered, the risk that the personal identification number is stolen can be greatly reduced.

  In addition, since the debit payment can be completed on the mobile phone terminal side, the amusement shop side can reduce the amount of capital investment by the amount that the debit terminal is unnecessary.

  In addition, since the debit payment can be completed on the mobile phone terminal side, it is possible for the player to avoid the restrictions on the place where the debit payment is used, and it is not necessary to line up with the debit terminal, which can improve convenience. On the other hand, the amusement store side can alleviate the congestion of debit terminals and, as a result, it can be expected to improve the operating rate.

  Further, according to the present invention, the debit information processing center that accepts a payment request from a mobile phone terminal uses the terminal identification number of the mobile phone terminal to determine the payment amount regardless of the cash card information included in the payment request. Even in the case where a player uses cash card information of multiple financial institutions to limit usage, the upper limit of the payment amount is not the total usage limit for each cash card information, but per mobile phone terminal The amount of money can be reduced to a corresponding amount, the use restriction of debit payment can be appropriately performed, and the effect of preventing entrainment can be enhanced.

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

  FIG. 1 is a block diagram showing a schematic configuration of a debit payment system using a mobile phone terminal 90 according to the present invention.

  As shown in FIG. 1, a debit payment system according to the present invention is connected to a gaming system installed in a gaming store and the gaming system via a public network 1000, and includes a debit information processing center 100, CAFIS (Credit and Credit and Finance Information System) 1010, debit card issuing bank 1020, merchant bank 1030, etc., and debit payment through debit information processing center 100 in the network, and a bank account having a player's account through the debit payment The mobile phone terminal 90 makes the settlement amount withdrawn from the institution (debit card issuing bank 1020) available in the amusement store.

  In FIG. 1, in a gaming system installed in a game store (in the figure, the case where the present invention is mainly applied to a pachinko game), a plurality of pachinko machines 40 are arranged in parallel for each group called “island”. In addition, a recording medium processing device such as a card processing unit 50 and card issuing machines 60 and 60A is appropriately provided on each island.

  In this system, as a recording medium applicable to the processing of the recording medium processing apparatus, a membership card MC (issued to a player who has registered as a member (member) from an amusement store, issuance store identification information and membership code). Member identification information, etc.), prepaid card PC (issued to the player by the card issuing machine 60, 60A, recording the issuer identification information, card-specific identification code, issue amount, card type, etc.) Used).

  In the present invention, as will be described in detail later, valuable value information (for example, electronic money) corresponding to the debit payment amount by the debit payment function of the mobile phone terminal 90 is stored in an IC chip in the mobile phone terminal 90. As a result, the mobile phone terminal 90 itself becomes a medium applicable to the processing of the recording medium processing apparatus.

  The pachinko machine 40 is a part where a player plays a game by firing a pachinko ball into the game area.

  The card processing unit 50 has a main function of a pachinko ball lending process whose upper limit is the remaining number of times associated with a recording medium such as a prepaid card PC or a member card MC (hereinafter referred to as the remaining number).

  Further, as will be described later (see FIG. 17), the card processing unit 50 of the present invention lends pachinko balls based on the balance of valuable value information (electronic money) read from the IC chip of the adjacent mobile phone terminal 90. It corresponds to the function to perform.

  One card processing unit 50 is prepared for each of a plurality of pachinko machines 40 installed in the amusement store, and is installed in a form sandwiched between the pachinko machines 40.

  The card issuing machines 60 and 60A issue a prepaid card PC issuance process in which a valuable value (frequency) corresponding to the deposit amount is associated when cash is deposited, and a frequency associated with the prepaid card PC and the membership card MC. The main function is the addition processing for, and several units are installed in the amusement store.

  Among these, the card issuing machine 60 cooperates with the electronic money terminal 70 as described later (see FIGS. 10 to 12), and the value read from the IC chip of the cellular phone terminal 90 in which the electronic money terminal 70 is close. It also has a function of issuing a prepaid card PC based on the balance of value information (electronic money).

  Further, as will be described later (see FIG. 14), the card issuing machine 60A integrates the processing functions of the electronic money terminal 70 and the card issuing machine 60 described above. It has a function of issuing a prepaid card PC based on the electronic money balance read from the chip.

  The player borrows a pachinko ball by inserting the prepaid card PC issued from the card issuing machine 60, 60A, or the prepaid card PC or member card MC added with a new frequency into the card processing unit 50. A game can be performed.

  The pachinko machine 40, the card processing unit 50, and the card issuing machines 60 and 60A are under the control of a management device called a terminal controller (T / C) 10 through an island controller 30 provided on each island.

  At least one T / C 10 is installed in the amusement store, and performs overall management of the installed amusement store, for example, card management, membership management, sales management, etc., and relates to the valuable value of the prepaid card PC and the membership card MC. This is the part that stores and manages information. However, in the present invention, information management of the prepaid card PC is performed by the prepaid card management T / C 20.

  As another management apparatus, in the present invention, data communication is performed with the prepaid card / electronic money management T / C 25 and the card processing unit 50 for managing prepaid card information and electronic money information by performing data communication with the card issuing machine 60A. By doing so, an electronic money management device 80 is provided that manages electronic money used by the card processing unit 50 using the mobile phone terminal 90.

  The electronic money terminal 70 is attached to the card issuing machine 60 and is connected to the electronic money management center 110 and the debit information processing center 100 via the public line network 1000.

  As will be described later (see FIGS. 10 to 12), the electronic money terminal 70 reads valuable value information (electronic money) from the IC chip of the mobile phone terminal 90 when the mobile phone terminal 90 is approached, It has a control function for issuing a prepaid card PC corresponding to a predetermined selection amount from the attached card issuing machine 60 based on the read balance of electronic money.

  Next, the functional configuration and operation of the mobile phone terminal 90 used in the debit payment system of the present invention will be described.

  A mobile phone terminal 90 according to the present invention is of a type compatible with an IC card, and has a normal mobile phone function (display unit, operation unit, mobile phone communication function unit) and an IC chip mounted therein. .

  In this mobile phone terminal 90, debit payment is made via the debit information processing center 100, and the debit payment is withdrawn from the debit card issuing bank 1020 (the account of the player who owns the mobile phone terminal 90 is opened). The settlement amount is stored in the IC chip as, for example, electronic money, which is valuable value information that can be used in the game store.

  In the mobile phone terminal 90, the debit payment function can be realized by, for example, an application for debit payment processing (hereinafter, debit payment application) obtained by downloading using a mobile phone service.

  FIG. 2 is a conceptual diagram showing a debit payment application acquisition processing image in the mobile phone terminal 90 according to the present invention.

  In FIG. 2, the mobile phone service company owns the application distribution server 930 and can use the mobile phone terminal 90 from the server 930 in response to an access from the mobile phone terminal 90 that subscribes to its mobile phone service. A service for downloading various applications into the memory 91 of the mobile phone terminal 90 is provided.

  On the other hand, a content provider (for example, a system provider company for an amusement store) that uses a network of a mobile phone service company has various applications including a debit payment application for the mobile phone terminal 90 in its application distribution server 950. An application (including a registered application described later) is held.

  With this network configuration, the owner of the mobile phone terminal 90 transfers the debit payment application held in the content provider server 950 from the server 950 to the memory 91 of the mobile phone terminal 90 via the server 930 of the mobile phone service company. Can be downloaded.

  The mobile phone terminal 90 is mounted with an IC chip 95, and the storage area of the IC chip 95 is divided into a first area 951 and a second area 953.

  In the present invention, when the mobile phone terminal 90 is operated, the network of the IC card operating company is connected to the mobile phone service company in an environment in which the network of the IC card operating company (not shown) is connected to the network of the mobile phone service company described above. In the second area 953 of the IC chip 95 in the mobile phone terminal 90, an electronic money area for storing electronic money operated by the IC card management company is set.

  The debit payment application downloaded into the memory 91 of the mobile phone terminal 90 in the state where the electronic money area is set in the IC chip 95 of the mobile phone terminal 90 is transferred to the debit information processing center 100. In addition to causing the mobile phone terminal 90 to execute the debit payment process at the time, the electronic money corresponding to the debit payment amount deducted from the account of the corresponding financial institution by the debit payment process is stored in the IC chip 95 (second area 953). The process of holding in the electronic money area set to “1” is also executed.

  As shown in FIG. 1, the debit information processing center 100 that receives a debit payment request from the mobile phone terminal 90 and is connected to the public line network 1000 as shown in FIG. The bank is connected to a debit card issuing bank 1020 having an account of the owner of the mobile phone terminal 90 and a member store bank 1030 having an account of the debit information processing center 100.

  Next, the flow of debit payment processing in the mobile phone terminal 90 according to the present invention will be described in detail with reference to each embodiment.

  FIG. 3 is a diagram illustrating a control sequence between the mobile phone terminal 90, the debit information processing center 100, the debit card issuing bank 1020, and the electronic money management center 110 regarding the debit payment processing of the mobile phone terminal 90 according to the first embodiment.

  As shown in FIG. 3, when a debit payment is to be performed by the mobile phone terminal 90, the player activates the debit payment application by appropriately operating the operation unit of the mobile phone terminal 90 (step S101).

  When the debit payment application is activated, the mobile phone terminal 90 transmits to the debit information processing center 100 and can communicate with the debit information processing center 100 via a base station (not shown) and the public line network 1000. Connecting.

  Next, the player inputs information necessary to request debit payment by operating the operation unit (step S102).

  For the information input operation here, for example, a debit payment use screen 905a displayed on the display unit after the debit payment application is activated, for example, as shown in FIG. In the example, 20,000 yen) and a personal identification number (a number for proving that the player is the owner of the debit card DC issued from the debit card issuing bank 1020 that opened the account: in this example, *** *) There is a method of inputting only (method # 1 in step S102).

  In this case, the bank number, branch number, and account number (hereinafter referred to as cash card information) of the debit card issuing bank 1020 with which the player (owner of the mobile phone terminal 90) has opened an account are the IC of the mobile phone terminal 90. For example, in the first area 951 in the chip 95, the cash card information is read out from the IC chip 95 when the settlement start operation is performed in step 103 to be described later. The cash card information may be added to the settlement amount and the password, and sent to the debit information processing center 100 (using terminal internal information).

  As another example of the information input operation method in step S102, the cash card information is displayed using a debit payment use screen 905b as shown in FIG. 4B displayed on the display unit after the debit payment application is activated. [Bank number (in this example, 0001), branch number (same, 001), account number (same, 1,234567)], settlement amount (same, 20,000 yen) and PIN (same, *****) Is input (method # 2 in step S102).

  In step S102, after completing the input of information required for the payment request (payment information) by any of the methods # 1 and # 2, the player makes a payment by appropriately operating the operation unit of the mobile phone terminal 90. A start operation (step S103) is performed.

  Specifically, for example, when inputting the payment information using the debit payment use screen 905a shown in FIG. 4A, input the payment amount and the password, confirm that there is no mistake, and confirm "Press the button.

  When the “OK” button is pressed, the guidance “Start settlement. Are you sure?” And the “Yes” button among the “Yes” and “No” buttons are displayed. A settlement start operation is performed by pressing the button.

  Similarly, for example, when inputting the payment information using the debit payment use screen 905b shown in FIG. 4B, input the cash card information, the payment amount and the password, and confirm that there is no mistake. Press the “Confirm” button.

  When the “OK” button is pressed, the guidance “Start settlement. Are you sure?” And the “Yes” button among the “Yes” and “No” buttons are displayed. A settlement start operation is performed by pressing the button.

  When the above-described payment start operation (step S103) is performed by the player, the mobile phone terminal 90 sends a payment request including its own terminal ID, terminal processing number, cash card information, payment amount and password to the base station, public The data is transmitted to the debit information processing center 100 through the line network 1000 (step S104).

  When the debit information processing center 100 receives the settlement request from the mobile phone terminal 90 (step S301), first, a usage restriction check is performed (step S302).

  Here, the debit information processing center 100 has, for example, a use restriction database (DB) that stores use restriction information in which a payment upper limit is associated with each terminal ID of the mobile phone terminal 90 used by each player. When the payment request is received, the usage restriction information is read from the usage restriction DB, the payment upper limit amount corresponding to the terminal ID that matches the terminal ID included in the received payment request is specified, and the specified amount ( The total amount of the past accumulated usage amount managed in the usage restriction DB in association with the terminal ID and the above settlement upper limit amount, and the total amount is within the range of the settlement upper limit amount. Whether or not the usage restriction is cleared [whether or not the restriction is OK (restriction NG)] is determined (step S303).

  Here, when the total amount exceeds the range of the settlement upper limit amount and is determined to be restricted NG (NO in step S303), the debit information processing center 100 restricts the mobile phone terminal 90 from restricting NG through the reverse route described above. Is transmitted (step S304).

  When the mobile phone terminal 90 receives the restriction NG from the debit information processing center 100 after transmitting the settlement request in step S104 (step S105), it displays that the settlement amount requested this time cannot be settled because it exceeds the settlement upper limit amount. (Step S106) and waits for a predetermined disconnection operation to disconnect the communication.

  On the other hand, when the debit information processing center 100 determines that the total amount is within the range of the settlement upper limit amount in the determination process in step S303 and determines that the limit is OK (step S303 YES), the debit information processing center 100 receives the settlement received from the mobile phone terminal 90. A debit payment request including the requested cash card information, payment amount and PIN is sent to the debit card issuing bank 1020 via the CAFIS network 1010 (step S305), and then the payment result is received from the debit card issuing bank 1020. Transition to the wait state.

  On the other hand, when the debit card issuing bank 1020 receives the debit payment request from the debit information processing center 100 (step S501), the account number and the payment amount included in the cash card information included in the debit payment request (this example) Then, based on 20,000 yen), a debit payment process for debiting the settlement amount from the account is performed (step S502), and a settlement result regarding whether or not the settlement amount has been deducted by the debit settlement process is displayed. The data is transmitted to the center 100 (step S503).

  The settlement result sent from the debit card issuing bank 1020 to the debit information processing center 100 includes a processing number, a terminal ID, a terminal processing number, an amount (specified amount), a slip display item (for example, the above cash card information), And information indicating whether or not settlement is possible.

  On the other hand, when the debit information processing center 100 receives the payment result from the debit card issuing bank 1020 (step S306), the debit information processing center 100 determines whether or not the debit payment is OK (NG) based on the payment result (step S307).

  Here, when the debit payment is not executed in step S502 due to a shortage of the balance of the corresponding account of the debit card issuing bank 1020, the payment indicating that the debit payment is NG from the debit card issuing bank 1020. Since the result is sent, the debit information processing center 100 determines that the debit payment is NG from the payment result (NO in step S307), and sends a payment incomplete notification indicating that the debit payment could not be performed to the mobile phone terminal 90. (Step S308).

  When the mobile phone terminal 90 receives the debit payment incomplete notification from the debit information processing center 100 (step S107), the mobile phone terminal 90 displays a message indicating that the payment could not be performed due to insufficient account balance or the like on the display unit. The fact that payment could not be made is notified (step S108).

  On the other hand, if the debit card is issued from the corresponding account of the debit card issuing bank 1020 in step S502 and the debit payment is performed, the debit card is issued from the debit card issuing bank 1020. The debit information processing center 100 determines that the debit payment is OK based on the payment result (YES in step S307), and sends a debit payment completion notification indicating that the debit payment is completed. The slip display item included in the settlement result received from the card issuing bank 1020 (for example, the cash card information, the settlement amount, the processing date, etc.) is transmitted to the mobile phone terminal 90 (step S309).

  At this time, the debit information processing center 100 also receives the debit payment OK from the debit card issuing bank 1020, thereby updating the corresponding usage restriction information in the usage restriction DB using the current debit payment amount. Do.

  When the mobile phone terminal 90 receives the debit payment completion notification from the debit information processing center 100 (step S109), the mobile phone terminal 90 notifies the player that the payment has been completed (step S110).

  Specifically, for example, as shown in FIG. 5, a message “Payment completed. Charge as electronic money.” Indicating that payment is completed and the payment amount is charged as electronic money. The remaining amount of electronic money (payment amount + electronic money remaining in the IC chip at the time before settlement) is displayed on the display unit using the settlement use result screen 906.

  In this display state, when a predetermined confirmation operation is performed on the operation unit (for example, pressing the “confirm” button on the settlement use result screen 906 in FIG. 5), the mobile phone terminal 90 corresponds to the debit settlement amount requested this time. The amount to be converted into electronic money is additionally registered in the second area (electronic money area) 953 of the IC chip 95 (step S111), and then the debit usage history is registered in a predetermined storage area (step S112). A series of debit settlement processing operations is terminated.

  In step S110, based on the slip display item in the received debit payment completion notification, the slip display item may be displayed on the display unit to notify the player of the debit usage status.

  Further, during the above-described series of processing, each time the debit information processing center 100 receives the settlement result of the debit settlement OK from the debit card issuing bank 1020, information related to the debit settlement [terminal ID, terminal processing number, amount (designation) (Amount), cash card information] is used as identification information for electronic money transactions, and batch processing is performed for cumulatively adding electronic money corresponding to the amount (settlement amount) in association with the identification information (step S310), for a predetermined period For each interval, the electronic money addition information is transmitted to the electronic money management center 110 through the public network 1000 (step S311).

  On the other hand, when receiving the electronic money addition information from the debit information processing center 100 (step S701), the electronic money management center 100 uses the addition information to update the electronic money usage amount for each identification information of the electronic money transaction. (Step S702) is performed.

  As a result of the above processing, the player performs debit payment of a desired amount using his / her mobile phone terminal 90 at an arbitrary place, and an electronic that can be used at the game store for an amount corresponding to the debit payment amount. Money can be held (charged) in the IC chip 95.

  FIG. 6 is a diagram illustrating a control sequence between the mobile phone terminal 90, the debit information processing center 100, the debit card issuing bank 1020, and the electronic money management center 110 regarding the debit payment processing of the mobile phone terminal 90 according to the second embodiment.

  In the mobile phone terminal 90 of this embodiment, cash card information is registered in advance in the electronic money management center 110 before debit payment is performed.

  As shown in FIG. 6, when a debit payment is to be made using the mobile phone terminal 90 of the present embodiment, the player first operates the operation unit of the mobile phone terminal 90 as appropriate to register the use of the debit payment. An application (hereinafter referred to as a registered application) is activated (step S91).

  This registered application can be downloaded from the content provider server 950 or the mobile phone service company server 930 to the mobile phone terminal 90 by the method shown in FIG. 2 in the same manner as the debit payment application described above.

  When the registered application is activated, the mobile phone terminal 90 transmits to the electronic money management center 110 and connects to the electronic money management center 110 via the base station and the public line network 1000 so as to be communicable.

  Next, the player inputs information necessary for debit payment use registration by operating the operation unit of the mobile phone terminal 90. Specifically, for example, using a debit payment use registration screen 907 as shown in FIG. 7 displayed on the display unit after the registration application is activated, cash card information [bank number (in this example, 0001), branch number ( 001), account number (same as 1234567)], name (same as Taro Yamada), and arbitrary authentication ID (same as A15D48) (step S92).

  After inputting the information necessary for debit payment use registration, the player performs a registration start operation by an appropriate operation of the operation unit (step S93). Specifically, on the debit payment use registration screen 907 shown in FIG. 7, after confirming that the input information is correct, the “Send” button is pressed.

  When the player performs the registration start operation (step S93), the mobile phone terminal 90 sends a registration request including its own terminal ID, terminal processing number, cash card information, and authentication ID (authentication information) to the base station, It transmits to the electronic money management center 110 through the public line network 1000 (step S94).

  When the electronic money management center 110 receives the registration request from the mobile phone terminal 90 (step S711), the electronic money management center 110 organizes each piece of information included in the registration request, and registers the cash card information in association with the name and authentication ID. Register in the database (DB) (step S712).

  After completing the user registration process in the electronic money management center 110, the player uses his / her mobile phone terminal 90 and uses the authentication ID (A15D48 in this example) input at the time of user registration. Debit payment processing via the management center 110 can be executed.

  Also in the present embodiment, when debit payment is to be performed by the mobile phone terminal 90, the player activates the debit payment application by appropriately operating the operation unit of the mobile phone terminal 90 (step S101a).

  When the debit payment application is activated, the mobile phone terminal 90 transmits to the electronic money management center 110 and is communicably connected to the electronic money management center 110 via the base station and the public line network 1000.

  Next, the player uses the debit payment use screen 905c shown in FIG. 8 displayed on the display unit after the debit payment application is activated, and inputs information necessary for requesting debit payment by operating the operation unit. (Step S102a).

  In the case of the present embodiment, since the cash card information is already registered in the electronic money management center 110, it is possible to input only the authentication ID, the desired payment amount (settlement amount), and the password on the debit payment use screen 905c. Will be displayed.

  Using this debit payment use screen 905c, the player inputs an authentication ID, a payment amount, and a password.

  Then, after confirming that the input information is correct, the player performs a settlement start operation. Specifically, first, the “confirm” button displayed on the debit payment use screen 905c is pressed, and the “payment” displayed on the display unit when the “confirm” button is pressed is started. The settlement start operation is performed by pressing the “Yes” button of the “Yes” button and the “Yes” button or the “No” button (step S103a).

  When the payment start operation (step S103a) is performed by the player, the mobile phone terminal 90 sends a payment request including its own terminal ID, terminal processing number, authentication ID, payment amount, and PIN to the base station, public line It transmits to the electronic money management center 110 through the network 1000 (step S104a).

  When the electronic money management center 110 receives the payment request from the mobile phone terminal 90, the electronic money management center 110 searches the user registration DB using the authentication ID included in the payment request as a key, and is registered in advance corresponding to the authentication ID. A settlement request is made to the debit information processing center 100 using the existing cash card information.

  Specifically, after the cash card information corresponding to the authentication ID is read from the user registration DB (step S714), a debit payment request including the cash card information is sent to the debit information processing center 100 ( Step S715).

  Thereafter, a debit settlement process similar to that in the first embodiment is executed between the debit information processing center 100 and the debit card issuing bank 1020. Therefore, the detailed explanation of this part is omitted.

  However, during this time, the debit information processing center 100 uses the result of the use restriction determination (restriction NG) in step S303a and the debit payment incomplete notification or the debit payment completion notification based on the debit payment determination result in step S307a. As described above, the data is not transmitted to the mobile phone terminal 90, but is transmitted to the electronic money management center 110 that is the debit payment request source (steps S304a, S308a, and S309a).

  The electronic money management center 110 transmits the restriction NG received from the debit information processing center 100 to the mobile phone terminal 90 (step S317), and a debit payment incomplete notification based on the debit payment determination result received from the debit information processing center 100 or A debit payment completion notification is transmitted to the mobile phone terminal 90 (steps S719 and S721).

  When the mobile phone terminal 90 receives the restriction NG from the electronic money management center 110 (step S105a), the mobile phone terminal 90 notifies the player of the restriction NG (step S106a) by displaying the fact on the display unit or the like, and the electronic money management center. When a debit payment incomplete notification is received from 110 (step S107a), a debit payment incomplete notification to the player is made (step S108a) by displaying on the display section that the debit payment could not be performed.

  In addition, when the mobile phone terminal 90 receives a debit payment completion notification from the electronic money management center 110 (step S109a), it notifies the player that the payment is completed (step S110a).

  Specifically, for example, as shown in FIG. 5, a message “Payment completed. Charge as electronic money.” Indicating that payment is completed and the payment amount is charged as electronic money. The remaining amount of electronic money (payment amount + electronic money remaining in the IC chip at the time before settlement) is displayed on the display unit using the settlement use result screen 906.

  In this display state, when a predetermined confirmation operation is performed on the operation unit (for example, pressing the “confirm” button on the settlement use result screen 906 in FIG. 5), the mobile phone terminal 90 corresponds to the debit settlement amount requested this time. The amount is converted into electronic money and additionally registered in the second area (electronic money area) 953 of the IC chip 95 (step S111a), and then the debit usage history is registered in a predetermined storage area (step S112a). The debit settlement processing operation is terminated.

  In step S110a, based on the slip display item in the received debit payment completion notification, the slip display item may be displayed on the display unit to notify the player of the debit usage status.

  In addition, during the series of processes, every time the electronic money management center 110 receives a settlement result of debit settlement OK from the debit information processing center 100, information related to the debit settlement [terminal ID, terminal processing number, amount (designation) (Amount), cash card information] as the identification information for electronic money transactions, and electronic money corresponding to the amount (settlement amount) is accumulated in association with the identification information. A process of updating the usage amount (step S722) is performed.

  As a result of the above processing, the player registers cash card information in advance in the electronic money management center 110 using his / her mobile phone terminal 90 before debit payment, and then, at any place, The mobile phone terminal 90 performs a payment request operation including input of an authentication ID, a payment amount, and a personal identification number, thereby causing the debit information processing center 100 to perform a debit payment of a desired amount via the electronic money management center 110. An amount of electronic money that can be used at the amusement store corresponding to the debit payment amount can be held (charged) in the IC chip 95.

  FIG. 9 is a diagram illustrating a control sequence between the mobile phone terminal 90, the debit information processing center 100, the debit card issuing bank 1020, and the electronic money management center 110 regarding the debit payment processing of the mobile phone terminal 90 according to the third embodiment.

  The difference between the present embodiment and the second embodiment is that in the second embodiment, after the cash card information is registered in advance in the electronic money management center 110 from the mobile phone terminal 90, the electronic money management center 110 is requested to make a debit payment. In the present embodiment, the debit payment processing is performed, and in this embodiment, after the cash card information is registered in advance in the debit information processing center 100 from the mobile phone terminal 90, the debit information processing center 100 is requested to perform the debit payment. This is the point at which payment processing is performed.

  As shown in FIG. 9, when attempting to make a debit payment using the mobile phone terminal 90 of this embodiment, the player first activates the registration application by appropriately operating the operation unit of the mobile phone terminal 90. (Step S91b).

  When the registered application is activated, the mobile phone terminal 90 transmits to the debit information processing center 100 and connects to the debit information processing center 100 via the base station and the public line network 1000 so as to be communicable.

  Next, the player inputs information necessary for registration by operating the operation unit. Specifically, as in the second embodiment, the cash card information [bank number (in this example, in this example) is displayed using the debit payment use registration screen 907 as shown in FIG. 0001), branch number (same as 001), account number (same as 1234567)], name (same as Taro Yamada), and optional authentication ID (same as A15D48) (step S92b).

  After inputting information necessary for the debit payment use registration, the player performs a registration start operation by an appropriate operation of the operation unit (step S93b). Specifically, on the debit payment use registration screen 907 shown in FIG. 7, after confirming that the input information is correct, the “Send” button is pressed.

  When the player performs the registration start operation (step S93b), the mobile phone terminal 90 sends a registration request including its own terminal ID, terminal processing number, cash card information, and authentication ID to the base station and the public network 1000. To the debit information processing center 100 (step S94b).

  When the debit information processing center 100 receives the registration request from the mobile phone terminal 90 (step S321), the debit information processing center 100 organizes each information included in the registration request and registers the cash card information in association with the name and authentication ID. Register in the DB (step S322).

  After completion of the user registration process in the debit information processing center 100, the player uses his / her mobile phone terminal 90 and uses the authentication ID (A15D48 in this example) input at the time of user registration, and the debit information The debit settlement process can be executed by communicating with the processing center 100.

  Also in this embodiment, when debit payment is to be performed by the mobile phone terminal 90, the player activates the debit payment application by appropriately operating the operation unit of the mobile phone terminal 90 (step S101b).

  When the debit payment application is activated, the mobile phone terminal 90 transmits to the debit information processing center 100 and is communicably connected to the debit information processing center 100 via the base station and the public line network 1000.

  Next, the player uses the debit payment use screen 905c shown in FIG. 8 displayed on the display unit after the debit payment application is activated, and inputs information necessary for requesting debit payment by operating the operation unit. (Step S102b).

  In the case of the present embodiment, since the cash card information is already registered in the debit information processing center 100, it is possible to input only the authentication ID, the desired payment amount (settlement amount), and the password on the debit payment use screen 905c. Will be displayed.

  Using this debit payment use screen 905c, the player inputs an authentication ID, a payment amount, and a password.

  Then, after confirming that the input information is correct, the player performs a settlement start operation. Specifically, first, the “confirm” button displayed on the debit payment use screen 905c is pressed, and the “payment” displayed on the display unit when the “confirm” button is pressed is started. The settlement start operation is performed by pressing the “Yes” button of the “Yes” button and the “Yes” button or the “No” button (step S103b).

  When the payment start operation (step S103) is performed by the player, the mobile phone terminal 90 sends a payment request including its own terminal ID, terminal processing number, authentication ID, payment amount and PIN to the base station, public line The data is transmitted to the debit information processing center 100 through the network 1000 (step S104b).

  When the debit information processing center 100 receives the settlement request from the mobile phone terminal 90 (step S301b), the debit information processing center 100 searches the user registration DB using the authentication ID included in the settlement request as a key, and corresponds to the authentication ID in advance. The debit payment process is started using the cash card information registered in (Step S3011).

  Since the subsequent debit settlement processing is performed in the same manner as in the first embodiment, a detailed description thereof is omitted here.

  As a result of the above processing, the player registers cash card information in the debit information processing center 100 in advance using his / her mobile phone terminal 90 before debit payment, and then, at any place, The debit information processing center 100 performs a debit payment of a desired amount by performing a payment request operation including input of an authentication ID, a payment amount, and a personal identification number from the mobile phone terminal 90, and an amount corresponding to the debit payment amount The electronic money that can be used at the game store can be held (charged) in the IC chip 95.

  As described above in the first to third embodiments, the mobile phone terminal 90 according to the present invention downloads the debit payment application and uses the cash card information stored in the IC chip 95 or the cash card information input by the user. A debit payment function for performing debit payment by communicating with the debit information processing center 100 or the electronic money management center 110, and valuable value information that can be used within the amusement store after the completion of the debit payment (in the above embodiment, The electronic money has a processing function held in the IC chip 95.

  The mobile phone terminal 90 of the present invention that holds electronic money in the IC chip 95 by the debit settlement process is, for example, an electronic money terminal 70, a card issuing machine 60A, in a gaming system (see FIG. 1) installed in a gaming store. It can be used for card issuance or ball lending through an operation of holding (adjacent) the mobile phone terminal 90 (location provided in the IC chip 95) over an IC card reading / writing unit provided in the card processing unit 50.

  Hereinafter, the usage form of the electronic money stored in the IC chip 95 in the mobile phone terminal 90 according to the present invention will be described in detail for each usage target device of the electronic money terminal 70, the card issuing machine 60A, and the card processing unit 50. To go.

  FIG. 10 is a front view showing the external configuration of the card issuing machine 60 and the electronic money terminal 70 used in the gaming system according to the present invention, and FIG. 11 is the internal configuration of the card issuing machine 60 and the electronic money terminal 70. FIG.

  As shown in FIG. 10, a card issuing machine 60 and an electronic money terminal 70 are provided as separate units in individual casings. Of these, the card issuing machine 60 is provided on the front surface of the casing in terms of appearance configuration. The door 62 includes a display unit 62, a selection switch 631, a cancel switch 632, a prepaid card insertion / issuance / return port 601, a member card insertion / return port 602, and a bill insertion / return port 603.

  The display unit 62 is a part for displaying various information such as input guidance given from an issuance control unit 61, which will be described later, and is configured by a liquid crystal display, for example.

  The selection switch 631 and the cancel switch 632 are provided as the external operation input unit 63, respectively, and are parts for supplying individual detection signals to the later-described issue control unit 61 when turned ON by the player.

  The prepaid card insertion / issue / return port 601 is for accepting the prepaid card PC and taking it into the prepaid card processing unit 64, while returning the prepaid card PC after the prepaid card processing unit 64 performs a desired process. It is an opening for discharging the prepaid card PC issued and processed by the prepaid card processing unit 64.

  When the prepaid card processing unit 64 captures the prepaid card PC, the prepaid card processing unit 64 reads information recorded on the prepaid card PC and performs a process of giving the read result to an issue control unit 61 described later.

  On the other hand, in the issuance process, for example, a pre-loaded card is appropriately printed and processed, and a process of issuing the card as a prepaid card PC is performed.

  The membership card insertion / return port 602 is an opening for receiving the membership card MC and taking it into the membership card processing unit 65, while returning the membership card MC after the member card processing unit 65 performs a desired process. is there. The member card processing unit 65 is a part that reads the member identification information recorded in the taken-in member card MC and gives the read result to an issue control unit 61 described later.

  The bill insertion / return port 603 is a portion that accepts bills and takes them into the bill processing unit 66. The banknote processing unit 66 identifies the denomination of the captured banknote and gives the identification result to an issuance control unit 61 to be described later, while classifying the identifiable banknotes into denominations and storing them in the banknote collection box 67. This is a part for returning unidentifiable banknotes.

  In the internal configuration of the card issuing machine 60 shown in FIG. 11, the issuing control unit 61 includes a program given in advance, a prepaid card processing unit 64, a member card processing unit 65, a bill processing unit 66, a selection switch 631, and a cancel switch 632. It is a part for controlling each part based on the given information.

  The issuance control unit 61 can appropriately exchange information with the outside through the first communication interface (I / F) unit 68 and the second communication I / F unit 69. In the present invention, the first communication I / F unit 68 is connected to the T / C 10 and the prepaid card management T / C 20 via the island controller 30, while the second communication I / F unit 69 is connected to the electronic money terminal 70. The first communication I / F unit 77 is connected.

  As shown in FIG. 10, the electronic money terminal 70 attached to the card issuing machine 60 has a display unit 73, an external operation input unit 74, and Embodiments 1 to 3 on a door provided on the front surface of the housing as shown in FIG. 10. The proximity position mark 701 indicating the position at which the mobile phone terminal 90 is brought close to, the terminal holding holder 702 that holds the mobile phone terminal 90, and the slip discharge port 703 are provided.

  The display unit 73 is a part for displaying various information such as input guidance and setting guidance given from the electronic money control unit 71 described later, and is configured by a liquid crystal display, for example.

  The external operation input unit 74 includes various function switches such as a confirmation key, a cancel switch, and a numeric keypad.

  As shown in FIG. 11, the electronic money terminal 70 has an internal configuration necessary for performing various functions based on programs and data, as shown in FIG. 11, an electronic money control unit 71, a storage unit 72, and an IC card reading / writing unit 750. An IC card processing unit 75, a printing unit 76, a first communication I / F unit 77, and a second communication I / F unit 78.

  The electronic money control unit 71 executes various functions based on programs and data stored in the storage unit 72.

  The electronic money control unit 71 controls each unit based on information given from the IC card processing unit 75 and the external operation input unit 74. For example, the electronic money information read by the IC card reading / writing unit 750 from the IC chip 95 of the cellular phone terminal 90 that is approached by the player is taken in through the IC card processing unit 75, and the selection button of the attached card issuer 60 is selected. A process of subtracting the amount corresponding to the selection button 631 selected by the player from 631 from the electronic money and updating the balance, and transmitting electronic money usage information based on the balance update process to the electronic money management center 110 Perform processing.

  The IC card processing unit 75 is a part that reads information from the IC chip 95 of the mobile phone terminal 90 that is approached by the player by the IC card reading / writing unit 750 and gives the read result to the electronic money control unit 71.

  As described above, the information stored in the IC chip 95 of the mobile phone terminal 90 to be read by the IC card reading / writing unit 750 includes the cash card information (bank number, branch number, account number: Electronic money information (stored in the second area 953).

  10, the proximity position mark 701 is provided in the vicinity of the reading position of the IC card reading / writing unit 750, and when the mobile phone terminal 90 is set in the terminal holding holder 702, the portable position mark 701 is displayed. The IC chip 95 of the telephone terminal 90 is held in a state of being brought close to the reading position.

  The slip discharge port 703 is an opening for discharging a slip (electronic money usage detail receipt) RC printed by the printing unit 76. The printing unit 76 is a part for printing out information (electronic money usage information) given from the electronic money control unit 71 as a slip RC.

  The first communication I / F unit 77 transmits / receives data to / from the card issuing machine 60, and the second communication I / F unit 78 exchanges data with the electronic money management center 110 via the public network 1000. Send and receive data.

  Next, a prepaid card issuing process operation using the mobile phone terminal 90 by the electronic money terminal 70 and the card issuing machine 60 having such a configuration will be described with reference to FIG.

  In FIG. 12, when a player intends to purchase a prepaid card PC using electronic money stored in his / her mobile phone terminal 90, first, the mobile phone terminal 90 is connected to the terminal holding holder 702 of the electronic money terminal 70. (Step S11).

  Thereby, in the electronic money terminal 70, the IC card processing unit 75 causes the IC card reading / writing unit 750 to read information such as electronic money stored in the IC chip 95 of the mobile phone terminal 90, and Information read by the IC card reading / writing unit 750 is sent to the electronic money control unit 71.

  Based on the electronic money information in the information received from the IC card processing unit 75, the electronic money control unit 71 causes the display unit 73 to display the amount of the electronic money as an available amount (step S12).

  FIG. 13A is a diagram illustrating a display example of the available amount display screen 731 on the display unit 73. In this example, since the electronic money balance is 15,000 yen, “electronic money balance 15,000 yen” to that effect and guidance for prompting the selection operation of the selection button 631 of the card issuing machine 60 “issuing machine selection button” Please press "is displayed.

  Further, the electronic money control unit 71 determines the amount (remaining amount) of the electronic money through the first communication I / F unit 77 based on the electronic money information in the information received from the IC card processing unit 75. (Step S13).

  On the other hand, in the card issuing machine 60, the issuance control unit 61 takes in the remaining amount of electronic money notified from the electronic money control unit 71 through the second communication I / F unit 69, and displays an amount selection screen including the remaining amount of electronic money. It is displayed on the display unit 62 (step S21).

  FIG. 13B is a diagram illustrating a display example of the money amount selection screen 621 on the display unit 62. In this example, since the electronic money balance notified from the electronic money terminal 70 is 15,000 yen, the “electronic money balance 15,000 yen” to that effect and the prepaid card desired to be purchased by the card issuing machine 60 are displayed. A guidance “Please select the amount of card to be issued” prompting the user to press the selection button 631 corresponding to the amount is displayed.

  If the player presses the selection button 631 corresponding to the amount of the prepaid card desired to be purchased during the display of the amount selection screen (step S22), the issue control unit 61 is pressed by the player in the card issuing machine 60. The amount corresponding to the selected button 631 is notified to the electronic money terminal 70 through the second communication I / F unit 69 as the selected amount (step S23).

  On the other hand, in the electronic money terminal 70, the electronic money control unit 71 takes in the selected amount notified from the issuance control unit 61 through the first communication I / F unit 77, and calculates the selected amount from the current electronic money remaining amount. By subtracting, the remaining amount of electronic money is updated (step S14).

  Specifically, the electronic money control unit 71 subtracts the selected amount notified from the card issuing machine 60 from the amount of electronic money read in step S11, and uses the subtraction result to read / write the IC card. The unit 750 performs processing for overwriting the electronic money information in the IC chip 95 of the mobile phone terminal 90.

  When the electronic money balance update process is completed, the electronic money control unit 71 notifies the card issuer 60 through the first communication I / F unit 77 that the balance update has been completed (step S15).

  On the other hand, in the card issuing machine 60, the issue control unit 61 that has received the update completion notification from the electronic money control unit 71 through the second communication I / F unit 69 uses the amount of the selection button 631 pressed in step S22. Frequency information corresponding to (selected amount), that the payment type is based on electronic money, and further unique identification information [unique identification code (card ID) stored in the prepaid card PC to be issued] Is sent to the prepaid card management T / C 20 through the first communication I / F unit 68 (step S24).

  In the prepaid card management T / C 20 that has received the card payment request, the frequency information and payment type included in the card payment request correspond to the card ID included in the card payment request, and a prepaid card management DB (not shown). (Step S31). When the payment registration process is completed, a payment completion notification is sent to the card issuing machine 60 (step S32).

  In the card issuing machine 60, the issuance control unit 61 that has received the payment completion notification from the prepaid card management T / C 20 through the first communication I / F unit 68 is ready for issuance of a prepaid card (preparation for ticketing) in its own device A ticketing preparation completion notification indicating this is transmitted to the electronic money terminal 70 through the second communication I / F unit 69 (step S25).

  On the other hand, in the electronic money terminal 70, the electronic money control unit 71 that has received the ticket preparation preparation completion notification from the issuance control unit 61 through the first communication I / F unit 77 is based on the electronic money balance update processing result in step S14. The electronic money use receipt print item is generated, and a receipt issuance instruction including the print item is sent to the print unit 76 to cause the print unit 76 to print the print item, and the electronic money use receipt RC as a print result is slipped. It discharges from the discharge port 703 (step S16).

  However, here, the receipt RC stops conveyance before completely exiting from the slip discharge port 703, and maintains a state in which the player waits until the receipt RC is removed. Further, the electronic money terminal 70 has means (not shown) for detecting when the receipt RC in the withdrawal waiting state is pulled out by the player.

  When it is detected that the receipt RC has been extracted by the player in the above-described extraction waiting state, the electronic money control unit 71 sends a receipt extraction completion notification to that effect via the first communication I / F unit 77 to the card. The issuing machine 60 is notified (step S17).

  On the other hand, in the card issuing machine 60, the issuance control unit 61 that has received the receipt withdrawal completion notification from the electronic money control unit 71 through the second communication I / F unit 69 issues a prepaid card to the prepaid card processing unit 64. In response to this, the prepaid card processing unit 64 issues a prepaid card storing the card ID sent to the prepaid management T / C 20 in response to the card deposit registration request in step S24 to the player (step S26). ).

  Furthermore, every time a player (unspecified majority) performs a prepaid card issuance operation using the mobile phone terminal 90, the electronic money terminal 70 totals electronic money usage information based on the electronic money balance update process in step S14. Then, batch processing for transmitting the electronic money usage information to the electronic money management center 110 is performed every predetermined period (for example, a time determined every night) (step S18).

  In this way, the card issuing machine 60 performs a prepaid card PC issuing process by using the electronic money of the mobile phone terminal 90 in cooperation with the attached electronic money terminal 70.

  In addition, the gaming system of the present invention is provided with an electronic money compatible card issuing machine 60A in which the electronic money terminal 70 and the card issuing machine 60 are integrated, and the card issuing machine 60A is a single mobile phone terminal. 90 issuance processing of prepaid card PC using electronic money is performed.

  FIG. 14 is a conceptual diagram showing the flow of prepaid card issuance processing operation using the mobile phone terminal 90 by the electronic money card issuing machine 60A according to the present invention.

  As shown in FIG. 14, the card issuing machine 60A is obtained by integrating the electronic money terminal 70 and the card issuing machine 60 (see FIG. 10) described above, and has a display 62A, a selection switch 631, and a cancel switch. 632, a prepaid card insertion / issue / return port 601, a membership card insertion / return port 602, a bill insertion / return port 603, a proximity position mark 701, a terminal holding holder 702, and a slip discharge port 703.

  The internal configuration of the card issuing machine 60A will be described with reference to the internal configuration of the electronic money terminal 70 and the card issuing machine 60 shown in FIG. The functions of the card processing unit 75 (including the IC card reading / writing unit 750) and the printing unit 76 are transferred, the electronic money control unit 71 of the electronic money terminal 70, the display unit 73, the external operation input unit 74, the first The functions of the communication I / F unit 77 and the second communication I / F unit 78 are changed to the issue control unit 61, the display unit 62, the external operation input unit 63, and the first communication I / F unit 68 of the card issuing machine 60, respectively. The functions are integrated with the functions of the second communication I / F unit 69 (the codes of the function units after the integration are 61A, 62A, 63A, 68A, and 69A, respectively). However, in the card issuing machine 60A, the first communication I / F 68 is connected to the prepaid card / electronic money management T / C 25.

  In the card issuing machine 60A having such a configuration, when a player intends to purchase a prepaid card PC using electronic money stored in his mobile phone terminal 90, first, as shown in FIG. The telephone terminal 90 is set in the terminal holding holder 702 of the card issuing machine 60A (step S41).

  Thereby, in the card issuing machine 60A, the IC card processing unit 75 causes the IC card reading / writing unit 750 to read the information stored therein from the IC chip 95 of the mobile phone terminal 90, and the IC card reading / writing The information read by the loading unit 750 is loaded into the issuance control unit 61A.

  The issuance control unit 61A displays an amount selection screen 621 including the remaining amount of the electronic money based on the electronic money information in the information captured from the IC card processing unit 75 in a manner as shown in FIG. 13B, for example. It is displayed on the part 62A (step S42).

  When the player presses the selection button 631 corresponding to the amount of the prepaid card desired to be purchased during the display of the amount selection screen 621 (step S43), the issue control unit 61A is pressed in the card issuing machine 60A. The remaining amount of electronic money is updated by subtracting the selected amount from the current remaining amount of electronic money using the amount corresponding to the selected button 631 as a selected amount (step S44).

  Specifically, the issuance control unit 61A subtracts the selected amount from the amount of electronic money read in step S41, and uses the subtraction result, the IC card reading / writing unit 750 uses the cellular phone terminal 90. A process of overwriting the electronic money information in the IC chip 95 is performed.

  When the electronic money balance update process is completed, the issuance control unit 61A displays electronic money usage information related to the electronic money balance update process [eg, processing terminal (card issuer 60A), processing amount (selected amount), card ID ( The electronic money usage information registration request indicating that the electronic money usage information is registered is sent to the prepaid card / electronic money through the first communication I / F unit 68A. It transmits to management T / C25 (step S45a).

  In the prepaid card / electronic money management T / C 25 that has received the electronic money usage information registration request, each piece of information included in the electronic money usage information registration request corresponds to the card ID included in the request. Electronic money usage registration processing stored in the information DB is performed (step S51).

  When the electronic money balance update process is completed, the issuance control unit 61A indicates that the frequency information corresponding to the amount (selected amount) of the selection button 631 pressed in step S43 and the payment type are electronic money. In addition, a card payment registration request including unique identification information [unique identification code (card ID) stored in a prepaid card to be issued) is sent to the prepaid card / electronic money through the first communication I / F unit 68A. It transmits to management T / C25 (step S45b).

  In the prepaid card / electronic money management T / C 25 that has received the card payment request, the frequency information and payment type included in the card payment request correspond to the card ID included in the card payment request. (Step S52). When the payment registration process is completed, a payment registration completion notification is sent to the card issuing machine 60A (step S53).

  In the card issuing machine 60A, the issuance control unit 61A that has received the payment completion notification from the prepaid card / electronic money management T / C 25 through the first communication I / F unit 68A indicates the result of the electronic money balance update process in step S44. Based on this, an electronic money use receipt print item is generated, and a receipt issuance instruction including the print item is sent to the print unit 76, whereby the print unit 76 prints the print item, and an electronic money use receipt RC as a print result is obtained. The slip is discharged from the slip discharge port 703 (step S46).

  However, here, the receipt RC stops conveyance before completely exiting from the slip discharge port 703, and maintains a state of waiting until the player pulls out the receipt.

  Then, when the receipt RC is detected by the detection means (not shown) in the waiting state for withdrawal, the issuance control unit 60A instructs the prepaid card processing unit 64 to issue the prepaid card PC, Thereby, the prepaid card processing unit 64 issues a prepaid card PC storing the card ID sent to the prepaid card / electronic money management T / C 25 in response to the card deposit registration request in step S45b to the player ( Step S47).

  Further, in the prepaid card / electronic money management T / C 25, every time a player (unspecified majority) performs a prepaid card issuance operation using the mobile phone terminal 90, the electronic money usage information sent from the card issuing machine 60A is registered. The electronic money usage information based on the electronic money usage registration process in step S51 in response to the request is aggregated, and the electronic money usage information is sent to the public network 1000 every predetermined period (for example, the time determined every night). The batch processing to be transmitted to the electronic money management center 110 is performed (step S54).

  In the above description, an example is given in which the electronic money terminal 70 or the electronic money card issuing machine 60A has a function of issuing a receipt RC as an electronic money usage statement. The electronic money usage history information may be registered in the mobile phone terminal 90 and displayed on the display unit for confirmation.

  FIG. 15 is a diagram showing an output example of a receipt RC as an electronic money usage statement issued by the electronic money terminal 70 or the electronic money compatible card issuing machine 60A.

  The receipt RC includes, in order from the top, the title of the receipt “electronic money usage statement”, information on amusement shops using electronic money (store name and telephone number), transaction date and time, terminal number, transaction number, carrier ID, The balance before transaction, transaction details, card amount, usage fee, transaction amount (total), and balance after transaction are printed.

  The terminal number is a unique number uniquely assigned by the electronic money management center 110, and is assigned to each electronic money terminal 70 (or card issuing machine 60A) that accepts the use of electronic money.

  The transaction number is a number assigned by the electronic money terminal 70 (or the card issuing machine 60A) every time electronic money is used (transaction).

  Carrier ID has shown the individual number of the mobile telephone terminal 90 which is an electronic money holding carrier.

  The balance before transaction indicates the amount charged as electronic money before performing the transaction. This example shows that 21,500 yen was charged.

  The transaction content indicates the transaction content, and in this example, it is printed that the transaction of purchasing the prepaid card PC has been performed.

  The card amount indicates the purchase amount of the prepaid card PC (10,000 yen in this example). The usage fee is a fee for purchasing the prepaid card PC, and is “150 yen” in this example.

  The transaction amount (total) is the sum of the card amount and the usage fee, and indicates the total amount of the current transaction. That is, the amount shown in the transaction amount (total) is the amount that is reduced as the usage amount of electronic money.

  The post-transaction balance indicates the difference between the pre-transaction balance and the transaction amount (total), and is the amount (remaining amount) remaining as electronic money. The balance after transaction in this example is balance before transaction (= 21,500 yen) −transaction amount (total) (= 10,150 yen) = 11,350 yen.

  Information similar to the receipt RC is also used for the electronic money usage information when registering the electronic money usage information in the mobile phone terminal 90 without issuing the receipt RC by the electronic money terminal 70 or the electronic money card issuing machine 60A. The display can be confirmed on the display unit using.

  FIG. 16 is a block diagram showing a functional configuration of the inter-bank processing unit 50 for electronic money according to the present invention, and FIG. 17 shows a flow of ball lending processing operation using the mobile phone terminal 90 by the inter-board processing unit 50. FIG.

  As shown in FIG. 16, the inter-unit processing unit 50 according to the present invention includes a control unit 51 that controls the entire processing unit, a display unit 52 that displays various information, an input unit 53 that performs input operations of various information, The card identification unit 54 and the card identification unit 54 which identify the type of the membership card MC and the prepaid card PC inserted from the card insertion / discharge port 501 and distribute them to the membership card processing unit 55 and the prepaid card processing unit 56 which will be described later. A member card processing unit 55 for processing the member card MC, a prepaid card processing unit 56 for processing the prepaid card PC distributed by the card identification unit 54, and a communication I / for performing communication with the T / C 10 for member management. An existing processing unit such as a communication I / F unit 59b that performs communication with the F unit 59a and the prepaid card management T / C20. IC card reading that reads and writes information with the IC chip 95 in the cellular phone terminal 90 when the cellular phone terminal 90 is approached with the proximity position mark 503 as a mark The IC card processing unit 58 having the / writing unit 581 and the communication I / F 59c for performing communication with the electronic money management apparatus 80 are provided.

  In the inter-unit processing unit 50, the IC card processing unit 58 passes the information read from the IC chip 95 of the cellular phone terminal 90 of the player by the IC card reading / writing unit 581 to the control unit 51, and the control unit 51 performs ball lending processing in cooperation with the corresponding gaming machine 40 based on the electronic money information in the read information.

  The ball lending processing operation using the cellular phone terminal 90 in the inter-unit processing unit 50 and the gaming machine 40 will be described with reference to FIG.

  When a player wants to borrow a ball from the gaming machine 40 using electronic money stored in his / her mobile phone terminal 90, first, as shown in FIG. 17, the mobile phone terminal 90 is connected to the game An operation for touching (touching) the proximity position mark 503 on the front surface of the inter-unit processing unit 50 corresponding to the machine 40 is performed (step S61).

  When the cellular phone terminal 90 is touched to the proximity position mark 503, in the inter-table processing unit 50, the IC card processing unit 58 is stored therein from the IC chip 95 of the cellular phone terminal 90 by the IC card reading / writing unit 581. The read information is read, and the information read by the IC card reading / writing unit 750 is taken into the control unit 51.

  When the control unit 51 takes in the information from the IC card processing unit 58, the control unit 51 uses the remaining amount of electronic money in the information for the number of balls to be lent per time preset in the inter-unit processing unit 50 (lending unit). The remaining amount of electronic money is updated by subtracting the amount corresponding to the number of balls) (step S62).

  Specifically, the control unit 51 subtracts the amount corresponding to the number of lending unit balls from the amount of electronic money read in step S61, and the IC card reading / writing unit 581 uses the subtraction result to carry the mobile phone. A process of overwriting the electronic money information in the IC chip 95 of the telephone terminal 90 is performed.

  When this electronic money balance update process is completed, the control unit 51 issues a ball lending instruction for the number of lending unit balls to the corresponding gaming machine 40 (step S63).

  On the other hand, when the gaming machine 40 receives the ball lending instruction from the inter-unit processing unit 50, the gaming machine 40 throws out a pachinko ball for a predetermined lending unit from a ball dispensing mechanism (not shown) to the upper plate of the gaming machine. A ball lending process to be executed is executed (step S71).

  In this way, whenever the player touches the inter-cell processing unit 50 with the cellular phone terminal 90 and receives a ball loan, the inter-unit processing unit 50 uses the electronic money related to the electronic money balance update process in step S62. Communicates electronic money usage registration request including information [for example, processing terminal (inter-unit processing unit 50), processing amount (amount equivalent to the number of balls for lending), card ID (ID of IC chip in mobile phone terminal 90), etc.) The data is transmitted to the electronic money management device 80 through the I / F unit 59c (step S64).

  On the other hand, based on the electronic money usage information registration request sent from each inter-unit processing unit 50, the electronic money management device 80 registers the electronic money usage information included in the request in the electronic money usage DB each time. (Step S81).

  Further, the electronic money management device 80 continues the electronic money registration process for a predetermined period, and sums up the electronic money usage information registered so far every time the predetermined period elapses (for example, every time determined every night) A batch process for transmitting to the electronic money management center 110 via the public line network 1000 is performed (step S82).

  In the ball lending process by the electronic money compatible inter-unit processing unit 50 using the mobile phone terminal 90 according to the present invention, the usage range amount of the electronic money is preset in the mobile phone terminal 90 and the set value is set. If the amount exceeds the usage range, it may be automatically disabled (however, it can be canceled manually), or an alarm may be sounded when the amount exceeds the usage range.

  According to this configuration, it is possible to prevent the player from using too much electronic money without noticing.

  In the above description, for example, the mobile phone terminal 90 performs debit payment via the debit information processing center 100, and the payment amount withdrawn from the financial institution by the debit payment is IC as electronic money that can be used in the amusement store. Although the example of registering in the chip 95 has been disclosed, the valuable value information registered based on the settlement amount is not limited to electronic money, but, for example, as prepaid card information that can be used only at a designated amusement store (or chain store) It may be registered in the IC chip 95.

  In this case, in the payment information input operation using the debit payment use screen 905a or the like on the mobile phone terminal 90, a store (amusement store) where the prepaid information can be used may be designated before payment.

  Some mobile phone service companies provide a service for notifying information about the area near the current position of the mobile phone terminal 90 in response to access from the mobile phone terminal 90, and this area information notification service is used. If the game store in the area near the current position is displayed on the display unit so as to be selectable on the mobile phone terminal 90, the store selection process at the mobile phone terminal 90 in this operation can be easily realized.

  In addition, when a store is selected, the system of the card company adopted by the store is selected, and the payment amount is registered as electronic money or prepaid information (hereinafter referred to as electronic money) that can be used in the system of the card company. The electronic money or the like may be used at the same system introduction store.

  Further, it may be configured so that it can be used in the store where the card system is provided by selecting a corresponding card system providing manufacturer and system.

  Further, in the mobile phone terminal 90 according to the present invention, in the settlement information input operation by the method # 1 according to the first embodiment, the cash card information is stored in the IC chip 95, and the cash card information inside the terminal is used. Payment processing can be performed. In this case, a plurality of cash card information is stored in the IC chip 95, and in the payment information input operation, a bank (settlement bank) to be used in advance is selected and then payment is executed. Also good.

  In the first to third embodiments, a system configuration in which the electronic money management center 110 is provided separately from the debit information processing center 110 is disclosed. However, in any of the embodiments, the electronic money management center 110 is disclosed. May be integrated with the debit information processing center 110. In the case where the electronic money management center 110 is integrated with the debit information processing center 110, the settlement processing operation is exactly the same for the second and third embodiments.

  As described above, according to the present invention, the mobile phone terminal 90 downloads debit payment software and uses the cash card information stored in the IC chip 95 or the cash card information input by the user to debit information. A debit payment function for performing debit payment by communicating with the processing center, and a payment amount based on the debit payment processing by the debit payment function as valuable value information (electronic money or prepaid value information) that can be used at the amusement store in the IC chip 95 It has a function to memorize.

  According to the debit payment system of the present invention using the mobile phone terminal 90 having such a functional configuration, valuable value information stored in the IC chip 95 of the mobile phone terminal 90 by the debit payment is used to purchase a prepaid card for games or play It can be used for medium rental.

  In this case, in the present invention, since the player basically performs debit payment using his / her mobile phone terminal 90, the valuable information stored in the IC chip 95 of the mobile phone terminal 90 by debit payment is used. Is used for purchasing prepaid cards for games or renting out game media, the game store does not need a debit terminal for debit payment processing.

  Accordingly, it is not necessary to pass the cash card information to the processing device on the game store side, and the risk of the bank card information being stolen is reduced, so that it is inevitably possible to reduce the trouble of skimming countermeasures.

  In addition, since it is not necessary to provide a debit terminal on the game store side, the capital investment amount can be reduced on the game store side.

  In addition, since the debit payment can be completed on the mobile phone terminal 90 side, the player can input a personal identification number so that the mobile phone terminal 90 does not look into others, and in a fixed device such as a debit terminal. Compared with the case of inputting a personal identification number, the risk of the personal identification number being seen through can be greatly reduced.

  In addition, since the debit payment can be completed on the mobile phone terminal 90 side, the convenience of the player is improved because the use place of the debit payment does not have to be restricted and it is not necessary to line up at the debit terminal. On the other hand, the amusement store side is also able to alleviate the congestion of debit terminals, which in turn can improve the operating rate.

  Further, according to the present invention, the debit information processing center 100 that accepts a payment request from the mobile phone terminal 90 uses the terminal identification number of the mobile phone terminal 90 regardless of the cash card information included in the payment request. It has a processing function to limit the use of the settlement amount.

  According to such a configuration, while allowing a player to store cash card information of a plurality of financial institutions in the mobile phone terminal 90 and permitting selective use of any one of the cash card information during a settlement request operation. , The upper limit of the payment amount can be reduced to the amount corresponding to each mobile phone terminal, not the total amount of usage restrictions for each cash card information, and debit payment usage restrictions can be appropriately performed, The effect of preventing sinking can be enhanced.

  However, even in such a case, it is also possible to employ a process for limiting the upper limit amount of payment amount for each cash card information.

  In addition, the present invention is not limited to the embodiment described above and shown in the drawings, and can be implemented by being appropriately modified within a range not changing the gist thereof.

  For example, in the present invention, the payment amount withdrawn from the financial institution by the mobile phone terminal 90 by debit payment is held in the IC chip 95 as electronic money or the like, and the electronic money terminal 70, the electronic money card issuing machine 60A, and the inter-bank processing Although it can be used in CR units such as the unit 50, the balance payment may be used in the same manner as a conventional prepaid card.

  In the above embodiment, the payment information input operation on the mobile phone terminal 90 is realized by processing of the downloaded payment application. However, the payment information may be input using a browser or the like. In this case, the payment is made by accessing a debit payment center on the Internet.

  Further, in the present invention, the payment amount withdrawn using the mobile phone terminal 90 is not limited to being charged as electronic money that can be used only within the game store, but is charged as electronic money that can be used generally, and prepaid for gaming within the game store. A card PC may be purchased, or conversely, electronic money that can be generally used may be used for lending in a game store as it is.

  The present invention communicates with a debit information processing center by a payment request means to a mobile phone terminal to request debit payment of a predetermined usage amount, and the debit information processing center based on the debit payment request and a predetermined financial institution By receiving a payment completion notification transmitted from the debit information processing center based on the debit payment processing, the payment amount withdrawn from the financial institution is stored in the valuable value information storage means as valuable value information usable in the amusement store. The value information stored in the value information storage means of the mobile phone terminal by debit payment can be used for purchasing prepaid cards for games or renting game media. Does not require a debit terminal for performing debit payment processing.

1 is a block diagram showing a schematic configuration of a debit payment system according to the present invention. The conceptual diagram which shows the debit payment application acquisition process image in the mobile telephone terminal of this invention. FIG. 3 is a diagram showing a debit settlement processing control sequence of the mobile phone terminal according to the first embodiment. The figure which shows the example of a display of the debit payment utilization screen in a mobile telephone terminal. The figure which shows the example of a display of the debit payment utilization result screen in a mobile telephone terminal. FIG. 10 is a diagram showing a debit settlement processing control sequence of the mobile phone terminal according to the second embodiment. The figure which shows the example of a display of the debit payment use registration screen in a mobile telephone terminal. The figure which shows the example of a display of the debit payment use screen after debit payment use registration. 10 is a diagram showing a debit settlement processing control sequence of a mobile phone terminal according to Embodiment 3. FIG. The front view which shows the external appearance structure of the card issuing machine and electronic money terminal concerning this invention. The block diagram which shows the internal structure of a card issuing machine and an electronic money terminal. The conceptual diagram which shows the flow of the prepaid card issuing process operation | movement using the mobile phone terminal by a card issuing machine and an electronic money terminal. The figure which shows the example of a display of the available money amount in an electronic money terminal, and the display example of the money amount selection screen in a card issuing machine. The conceptual diagram which shows the flow of the prepaid card issue processing operation using the mobile telephone terminal by the electronic money corresponding | compatible card issuing machine concerning this invention. The figure which shows the output example of the electronic money utilization receipt issued with an electronic money terminal or the electronic money corresponding | compatible card issuing machine. The block diagram which shows the function structure of the processing unit between electronic money corresponding units concerning this invention. The conceptual diagram which shows the flow of the ball lending process operation | movement using the mobile phone terminal by a table processing unit.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Management apparatus (T / C), 20 ... Prepaid card management T / C, 25 ... Prepaid card / electronic money management T / C, 30 ... Island controller, 40 ... Game machine, 410 ... Ball loan button, 420 ... Return Button, 50 ... Inter-unit processing unit, 51 ... Control unit, 52 ... Display unit, 53 ... Input unit 53, 54 ... Card identification unit, 55 ... Member card processing unit, 56 ... Prepaid card processing unit, 58 ... IC card processing , 581... IC card reading / writing unit, 59a, 59b, 59c... Communication I / F unit, 501... Card insertion / discharge port, 503. 62 ... Display unit, 621 ... Amount selection screen, 63 ... External operation input unit, 64 ... Prepaid card processing unit, 65 ... Member card processing unit, 66 ... Banknote processing unit, 67 ... Bill collection box, 68th Communication interface (I / F) section, 69 ... second communication I / F section, 601 ... prepaid card insertion / issue / return slot, 602 ... member card insertion / return slot, 603 ... bill insertion / return slot, 631 ... selection Switch, 632 ... Cancel switch, 60A ... Electronic money card issuing machine, 70 ... Electronic money terminal, 71 ... Electronic money control unit, 72 ... Storage unit, 73 ... Display unit, 731 ... Usable amount display screen, 74 ... External Operation input unit, 75 ... IC card processing unit, 750 ... IC card reading / writing unit, 76 ... printing unit, 77 ... first communication interface (I / F) unit, 78 ... second communication I / F unit, 701 ... proximity position mark, 702 ... terminal holding holder, 703 ... slip discharge port, 80 ... electronic money management device, 90 ... mobile phone terminal, 91 ... memory, 95 ... IC chip, 951 ... first area, 53 ... 2nd area | region, 905a, 905b, 905c ... Debit payment use screen, 906 ... Debit payment deposit result screen, 907 ... Debit payment use registration screen, 930, 950 ... Server, 100 ... Debit information processing center, 110 ... Electronics Money management center, 1000 ... Public network, 1010 ... CAFIS network, 1020 ... Debit card issuing bank, 1030 ... Member store bank

Claims (14)

A debit payment system using a mobile phone terminal that performs debit payment through a debit information processing center using a mobile phone terminal, and makes the payment amount deducted from a financial institution by the debit payment available in a game store,
The mobile phone terminal
Payment request means for communicating with the debit information processing center and requesting debit payment of a predetermined usage amount;
Payment completion notification receiving means for receiving a payment completion notice transmitted from the debit information processing center based on a debit payment processing between the debit information processing center and a predetermined financial institution based on a request for debit payment by the payment request means. When,
Valuable value information storage means for storing the payment amount withdrawn from a financial institution as valuable value information usable in the amusement store based on the payment completion notification received by the payment completion notification receiving means. A debit payment system using mobile phone terminals. The valuable value storage means includes
2. The debit payment system using a mobile phone terminal according to claim 1, wherein the payment amount is electronic money storage means for storing the payment amount as electronic money that can be used in the amusement store. The valuable value storage means includes
The debit payment system using a mobile phone terminal according to claim 1, wherein the payment amount is a prepaid information storage means for storing the payment amount as prepaid information that can be used in the game store. The mobile phone terminal
A storage means for storing cash card information including an account number;
The settlement request means
Accepting means for accepting an input of a payment amount and a password corresponding to the cash card information;
And a means for sending the payment request including the payment amount and password received by the receiving means and the cash card information stored in the storage means to the debit information processing center based on a payment start operation. A debit settlement system using the mobile phone terminal according to any one of claims 1 to 3. The settlement request means
Accepting means for accepting an input of a cash card information including an account number, a settlement amount, and a password corresponding to the cash card information;
4. The apparatus according to claim 1, further comprising: a means for sending the payment request including the cash card information, the payment amount and the password received by the receiving means to the debit information processing center based on a payment start operation. A debit payment system using any one of the mobile phone terminals. The mobile phone terminal
Registration information receiving means for receiving input of cash card information including an account number and authentication information corresponding to the cash card information;
Registering means for transmitting the cash card information and authentication information received by the registration information receiving means to the debit information processing center and registering the cash card information and authentication information in the debit information processing center;
The settlement request means
Accepting means for accepting input of authentication information, settlement amount and PIN;
Means for sending the payment request including the authentication information, the payment amount and the password received by the receiving means to the debit information processing center based on a payment start operation;
4. The mobile phone according to claim 1, wherein the debit information processing center performs debit payment processing based on cash card information corresponding to authentication information included in a payment request from the mobile phone terminal. 5. Debit payment system using telephone terminals. The debit information center is
A processing function of an electronic money management center for managing usage information of electronic money stored in the electronic money storage means;
The mobile phone terminal
Registration information receiving means for receiving input of cash card information including an account number and authentication information corresponding to the cash card information;
Registering means for transmitting the cash card information and authentication information received by the registration information receiving means to the electronic money management center and registering the cash card information and authentication information in the electronic money management center;
The settlement request means
Accepting means for accepting input of authentication information, settlement amount and PIN;
A means for sending the payment request including the authentication information, the payment amount and the password received by the receiving means to the electronic money management center based on a payment start operation;
The electronic money management center requests the debit information processing center from the debit information processing center based on cash card information corresponding to authentication information included in the payment request from the mobile phone terminal. A debit payment system using the mobile phone terminal described in any of the above. The settlement request means
Means for transmitting the settlement request further including terminal identification information of the mobile phone terminal to the debit information processing center;
The debit information processing center is
The usage restriction means for restricting the use of the payment amount for each terminal identification number included in the payment request in response to the payment request from the payment request means. A debit payment system using the mobile phone terminal described. An electronic money terminal connected to an electronic money management center that manages usage information of electronic money stored in the electronic money storage means, and a recording medium issuance function attached to the electronic money terminal and having a game recording medium issuing function A device installed in the amusement store,
The electronic money terminal is
Information reading / writing means for reading and writing electronic money information to and from the electronic money storage means of the mobile phone terminal adjacent thereto;
Control means for issuing a game recording medium corresponding to a predetermined selected amount from the storage medium issuing device based on a balance of electronic money read by the information reading / writing means. Item 9. A debit payment system using the mobile phone terminal according to any one of Items 1, 2, 7, and 8. Connected to an electronic money management center that manages usage information of electronic money stored in the electronic money storage means, and comprises a recording medium issuing device having a function of issuing a gaming recording medium installed in the gaming store,
The recording medium issuing device
Information reading / writing means for reading and writing electronic money information to and from the electronic money storage means of the mobile phone terminal adjacent thereto;
Control means for issuing a game recording medium corresponding to a predetermined selected amount based on a balance of electronic money read by said information reading / writing means, A debit payment system using the mobile phone terminal according to any one of 8. Connected to a plurality of gaming machines that play games using gaming media and an electronic money management center that manages usage information of electronic money stored in the electronic money storage means, and has a function of lending gaming media to the gaming machines An inter-unit processing unit is installed in the amusement store,
The inter-unit processing unit is
Information reading / writing means for reading and writing electronic money information to and from the electronic money storage means of the mobile phone terminal adjacent thereto;
Control means for performing control for lending gaming media to the gaming machine based on the balance of electronic money read by the information reading / writing means, A debit payment system using the mobile phone terminal according to any one of 8, 9, and 10. A debit payment method using a mobile phone terminal that performs debit payment through a debit information processing center using a mobile phone terminal and makes the payment amount deducted from a financial institution by the debit payment available in a game store,
A settlement request step for communicating with the debit information processing center to request debit settlement of a predetermined usage amount by the settlement request means of the mobile phone terminal;
A payment completion notification transmitted from the debit information processing center based on a debit payment process between the debit information processing center and a predetermined financial institution based on the debit payment request by the payment requesting means is sent to the mobile phone terminal. A settlement completion notification receiving step received by the notification means;
Valuable value information stored in the valuable value information storage unit of the mobile phone terminal as valuable value information that can be used in the amusement store based on the payment completion notice received by the payment completion notification receiving unit. And a storage step. A debit settlement method using a mobile phone terminal. In the valuable value storing step,
The debit settlement method using a mobile phone terminal according to claim 12, wherein the settlement amount is stored as electronic money that can be used in the amusement store. In the valuable value storing step,
13. The debit settlement method using a mobile phone terminal according to claim 12, wherein the settlement amount is stored as prepaid information that can be used in the amusement store.

Images