JP2007122099A - Transaction settlement device and transaction management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a transaction settlement device capable of calculating a point without receiving influence of failure as thoroughly as possible even if the failure occurs between the transaction settlement device and a transaction history management device. <P>SOLUTION: This transaction settlement device 20 is a device reading a transaction history from an electronic money recording medium and performing settlement of a transaction. The device has: a reading processing part 21 reading a card transaction consecutive number counted up in each the transaction in each the electronic money recording medium, transaction history information including a payment amount accompanying the transaction, identification information for identifying the electronic money recording medium, and a latest value of an electronic money value balance of the electronic money recording medium from the electronic money recording medium; a transaction history information generation part 22 generating the transaction history information including information about the present transaction in consideration of the read information; and a transaction history transmission part 24 transmitting the transaction history information including the generated present transaction information to a management device for a database storing the transaction histories of the plurality of electronic money recording media. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a transaction settlement apparatus and transaction management system, and more particularly to a transaction settlement apparatus and transaction management system for transactions using an electronic money recording medium.

  Entities (stores, credit companies, etc.) that conduct business transactions such as sales of products and provision of services issue point cards and give points according to the amount of payment in order to increase the purchasing motivation of users (customers) In addition, point services for exchanging products or gift certificates according to the accumulated number of points are provided. For example, by using this service, the amount corresponding to the accumulated points can be discounted from the next payment amount.

  On the other hand, an electronic money recording medium is also used when paying for a commercial transaction or the like. In the electronic money recording medium, the above point service is often introduced.

The operation of the point system using the electronic money recording medium will be described.
First, a user pays for the transaction with electronic money in an electronic money recording medium at a member store of electronic money (with point service). The transaction is settled by a settlement terminal installed at the member store.

  That is, an identifier (card ID) of an electronic money recording medium used in the transaction and a payment amount associated with the transaction are a database management device (database server device, transaction history) that stores transaction histories of a plurality of electronic money recording media. To the management device). The database server device is connected to the payment terminal via a network such as a LAN. The server device also functions as a device that gives points to the electronic money recording medium according to the usage record of the electronic money recording medium and manages information about the points.

  Upon receiving the payment amount and the card ID, the transaction history management device updates the remaining point number by adding the point corresponding to the payment amount associated with the current transaction to the remaining point number (latest value) of the card ID. To do. The updated number of remaining points is notified from the transaction history management apparatus to the settlement terminal.

  Upon receiving the updated point remaining number, the payment terminal prints the updated point remaining number on a receipt or the like indicating the result of the transaction. The user knows the latest point remaining number of the electronic money recording medium owned by receiving the receipt on which the updated remaining point number is printed.

  When a user conducts a transaction using an electronic money recording medium at the store A, if a failure occurs between the settlement terminal of the store A and the transaction history management device and communication cannot be established, the user Then, even if the transaction is performed at the store B using the electronic money recording medium, and the transaction history management device calculates points according to the amount of payment associated with the transaction, the remaining points due to the transaction at the store A Since it is not reflected, the wrong point remaining number is presented to the user.

  Moreover, in order to prevent such omission of transaction history, an item of transaction serial number (serial number) counted up for each transaction is often provided in the item of transaction information. When a user conducts a transaction using an electronic money recording medium at the store A, if a failure occurs between the settlement terminal of the store A and the transaction history management device and communication cannot be established, the user Then, even if a transaction is performed at the store B using the electronic money recording medium, the transaction history management device determines that the transaction history is lacking based on the transaction serial number of the transaction information notified from the store B. To do. Since the point calculation is not performed while the transaction history is missing, the failure between the settlement terminal of the store A and the transaction history management device is restored, and the transaction at the store A is performed on the database of the transaction history management device. Until this is reflected, even if the user makes a transaction using the electronic money recording medium, the latest value of the remaining point number is not presented to the user, which is inconvenient.

  As a technology related to a processing system for electronic money value information, for example, Patent Document 1 discloses a medium processing apparatus that reads and processes information from a game recording medium (IC card) in which its own identification information and game value are recorded. And a system composed of a management device that manages the usage information of each game recording medium.

  In this system, when communication between the medium processing device and the management device is impossible, usage information of the game recording medium processed during that time is written from the medium processing device to the game recording medium. Then, in a state where communication between the media processing device and the management device is possible, the media processing device reads the usage information in the game recording medium to be processed and transmits it to the management device.

However, when a transaction using an electronic money recording medium is settled, the reading / writing of the electronic money recording medium is usually performed without waiting until it is determined whether communication has been established between the payment terminal and the transaction history management device. Therefore, the technique of Patent Document 1 is not practically practical for this type of transaction.
Japanese Patent Application Laid-Open No. 2002-66078 “Game Device”

  An object of the present invention is to provide a transaction settlement apparatus capable of reducing as much as possible the period during which points cannot be calculated due to missing card transaction serial numbers even if a failure occurs between the transaction settlement apparatus and the transaction history management apparatus. And providing a transaction management system.

  The transaction settlement apparatus according to the present invention is a transaction settlement apparatus that reads a transaction history from an electronic money recording medium and settles the transaction. A card transaction serial number that is counted up for each transaction for each electronic money recording medium. A read processing unit that reads transaction history information including the amount of money, identification information for identifying the electronic money recording medium, and the latest value of the electronic money value balance of the electronic money recording medium, and the read information Transaction history information generating unit for generating transaction history information including information on the current transaction in consideration of the transaction, and transaction history information including the generated current transaction information in the database for storing the transaction history of a plurality of electronic money recording media A transaction settlement apparatus comprising: a transaction history transmission unit that transmits to a management apparatus.

  Here, even if a failure occurs between the settlement terminal (transaction settlement apparatus) and the transaction history management apparatus, the transaction history transmission unit performs electronic money recording at the next transaction performed via another transaction settlement apparatus. Since the information obtained by adding the current transaction information to the transaction history information read from the medium is sent to the database management device that stores the transaction history, the card transaction is compared with the case where only the current transaction information is sent to the management device. The period during which points cannot be calculated due to missing serial numbers can be reduced as much as possible.

  The transaction management system according to the present invention is a transaction management system for managing transaction settlement by reading a transaction history from an electronic money recording medium, and for card transaction serial numbers and transactions that are counted up for each electronic money recording medium. A read processing unit that reads transaction history information including the amount of payment involved, identification information for identifying the electronic money recording medium, and the latest value of the electronic money value balance of the electronic money recording medium, and reading Transaction history information generating unit for generating transaction history information including information on the current transaction in consideration of the information, and transaction history information including the generated current transaction information, and storing transaction histories of a plurality of electronic money recording media Transaction history transmitter for sending to database management device, and transaction history for storing received transaction history information in transaction information database Immediately before detecting the transaction immediately before the first missing number of the card transaction serial number for the electronic money recording medium of the received transaction history information, based on the information storage control unit and the transaction information database reflecting the received transaction history information About the transaction detector and the electronic money recording medium of the received transaction history information, by calculating each point based on the payment amount of each transaction, the remaining number of points of each transaction is detected. Point remaining number calculation section for calculating up to the transaction immediately before the first missing number of the first and the calculation result information for transmitting the remaining point number of the current transaction to the transaction settlement apparatus that is the transmission source of the transaction history information together with the identification information of the electronic money recording medium A transaction management system comprising a transmission unit.

  According to the present invention, the period during which points cannot be calculated due to missing card transaction serial numbers can be reduced as much as possible.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a configuration diagram (part 1) of a transaction information management system according to an embodiment of the present invention.
1, a transaction information management system 10 includes a transaction information management device 11 that manages a transaction information database 12 and a payment terminal (transaction payment device) 15 installed in a store 14 ₁ , 14 ₂ , 14 ₃ ,. ₁ , 15 ₂ , 15 ₃ ,... The settlement terminal of each store and the transaction information management apparatus 11 are connected via the network 13.

For example, the user performs a commercial transaction at any of the stores (for example, the store 14 ₁ ), and settles the payment amount associated with the transaction using the electronic money recording medium 16 owned by the user. Information relating to this transaction is sent to the transaction information management apparatus 11 via the settlement terminal 15 ₁ of the store 14 ₁ and the network 13.

FIG. 2 is a sequence diagram showing the operation of the transaction information management system of FIG.
2, first, (1), the user is the amount of transactions made in the store 14 ₁ is determined by input via the settlement terminal 15 ₁ by employees of the store.

Payment terminal 15 ₁ reads the (2), the electronic money storage medium 16 from the information owned by the user (card ID, electronic money value balance, and transaction history of one or more transaction information).

  The transaction information held by the electronic money recording medium includes items such as a card transaction serial number, transaction date and time, transaction amount (also referred to as withdrawal amount, payment amount), post-transaction balance, and settlement terminal ID. The card transaction serial number is a serial number that is set for each transaction for each electronic money recording medium, and the transaction information management device 11 that collects transaction information for each card has no missing transaction information for each card. It is used when checking. For example, when the card transaction serial number is a four-digit decimal number, it takes a value of “0000” to “9999”. After “9999”, it returns to “0000”.

Returning to the description of FIG. Followed by (3), the payment terminal 15 _1, subtraction the payment amount of the current transaction from the electronic money value balance read, with (4), the electronic money value balances and information of the current transaction the payment amount has been subtracted By writing in the electronic money recording medium 16, the electronic money value balance is updated and the current transaction information is recorded. Electronic money storage medium 16, (5), a confirmatory, subtraction result notification (new electronic money value balance) to the settlement terminal 15 _1.

Payment terminal 15 ₁ is notified new electronic money value balance is, when it is determined whether to match the electronic money value balance written to the electronic money storage medium 16, a match, (6), the current transaction information transaction history information including the notification (card ID, the settlement date, the settlement terminal ID, payment amount, card transaction serial number) from the settlement terminal 15 ₁ to the transaction information management apparatus 11.

  The transaction information management device 11 writes the received transaction history information in the transaction information database 12. In (7), with reference to the database 12, with respect to the electronic money recording medium having the card ID of the received transaction history information, the points are adjusted up to the transaction information immediately before the first missing number of the card transaction serial number of the transaction information. By repeating, the remaining point number is calculated. If the transaction information immediately before the above does not match the current transaction information, that is, if there is a missing number in the card transaction serial number for the electronic money recording medium, The value of the remaining number item is set to blank (“”).

It points remaining, along with the card ID of the current transaction, (8), are notified by the transaction information managing device 11 to the settlement terminal 15 _1.
Payment terminal 15 ₁ (9), a new point receiving, using a card ID, and issues a receipt on which the new point is printed. The received new point information is discarded after the receipt is issued.

FIG. 3 is a configuration diagram (part 2) of the transaction information management system according to the embodiment of the present invention.
Transaction information management system 10 of FIG. 3, since (in the figure, indicated by × mark) communication failure between the payment terminal 14 ₁ and the transaction information managing apparatus 11 has occurred, the transaction from the payment terminal 14 ₁ 1 is different from the system of FIG. 1 in that the information management apparatus 11 cannot be notified of transaction history information transaction information including current transaction information.

FIG. 4 is a sequence diagram showing the operation of the transaction information management system of FIG.
The sequence diagram of FIG. 4 is the same as the sequence diagram of FIG. 2 in the operations (1) to (5). In the (6) 2, deal with the payment terminal 15 ₁ whereas communication with the transaction information managing device 11 is established, the sequence diagram of FIG. 4, (6 '), and the payment terminal 15 ₁ information management apparatus 11 and the communication (for the communication failure) without establishing, by the payment terminal 15 ₁ side is issued at (9 '), the receipt of the number of points remaining is not printed.

FIG. 5 is a configuration diagram (part 3) of the transaction information management system according to the embodiment of the present invention.
Transaction information management system 10 of FIG. 5, since (in the figure, indicated by × mark) communication failure between the payment terminal 14 ₁ and the transaction information managing apparatus 11 has occurred, the transaction from the payment terminal 14 ₁ It is the same as the system of FIG. 3 in that the transaction history information including the current transaction information cannot be notified to the information management apparatus 11. User 3 whereas doing transaction at the store 14 _1, user 5 is different from that doing transaction in the store 14 _2.

FIG. 6A is a sequence diagram showing an operation of the transaction information management system of FIG.
Sequence diagram of FIG. 6A, except that the settlement terminal is a payment terminal 15 ₁ rather than payment terminal 15 ₂ is similar to FIG. 2. Even settle transactions via such communication failure payment terminal 15 ₂ of the other stores immediately after, it is a feature of the present embodiment immediately points remaining number is printed on the receipt.

  That is, in (6) of FIG. 6A, the transaction history information in which the transaction information held in the electronic money recording medium 16 is added to the transaction information generated this time (this time) is transmitted to the transaction information management device 11. . Accordingly, the transaction information management apparatus 11 that has received the transaction history information can calculate the remaining point until the latest transaction without any missing card transaction serial number for the electronic money recording medium of the transaction history information. it can.

FIG. 6B is a sequence diagram showing the operation of the conventional transaction information management system.
In this conventional system, each settlement terminal transmits only the current transaction information to the transaction information management device.

  That is, the sequence diagram of FIG. 6B is the same as the sequence diagram of FIG. 2 in the operations (1) to (5). The sequence diagram of FIG. 6B is (6), and only the current transaction information is transmitted to the transaction information management device 11. For this reason, for example, if a communication failure has occurred between the settlement terminal of the store and the transaction information management device in the transaction at the other store immediately before, the electronic money is processed by the process (7) in FIG. 6B. A missing number will occur in the card transaction serial number of the recording medium, and a message such as “Please confirm the remaining number of points at a later date” is printed on the receipt in (9). That is, a receipt in which the remaining point number is not printed is issued.

FIG. 7 is a diagram showing a data structure of information stored in the electronic money recording medium.
As shown in FIG. 7, the information of the electronic money recording medium includes a transaction history including information (card ID) for identifying the electronic money recording medium, an electronic money value balance (the latest value thereof), and N pieces of transaction information. Provide information.

  Each transaction information identifies the card transaction serial number that is counted up for each transaction for each electronic money recording medium, the transaction date and time, the payment amount (transaction amount) associated with the transaction, the balance after the transaction, and the payment terminal that settled the transaction Payment terminal identification information (payment terminal ID).

FIG. 8 is a block diagram showing the configuration of the transaction settlement apparatus (settlement terminal).
As shown in FIG. 8, the transaction settlement apparatus 20 includes a card transaction serial number counted up for each transaction for each electronic money recording medium, a transaction history including a payment amount associated with the transaction, and identification information for identifying the electronic money recording medium And the latest value of the electronic money value balance of the electronic money recording medium, a read processing unit 21 that reads from the electronic money recording medium, and a transaction history that includes the read information and generates a transaction history including information on the current transaction Information generation unit 22, transaction information storage unit 23 for storing transaction information settled by itself including current transaction information in the generated transaction history information, and the generated transaction history information on a plurality of electronic money recording media Transaction history transmitting unit 24 for transmitting to a transaction information database management device (transaction information management device) for storing transaction history, current transaction information in the generated transaction history information Transaction information writing unit 26 to be written in the electronic money recording medium, the above read processing unit 21, transaction information generating unit 22, transaction information storage unit 23 (writing to the storage unit or reading from the storage unit), transaction history information transmission unit 24, a control unit 25 for controlling the transaction information writing unit 26, and a packet transmission / reception unit 27 for exchanging packets to establish communication with the transaction information management device.

  FIG. 9 is a flowchart of transaction settlement processing (reading of electronic money recording medium information and transmission of information to a transaction information management apparatus). The processing in this flowchart is performed by a transaction settlement apparatus (settlement terminal).

  After the transaction using the electronic money recording medium is performed and the transaction amount is input to the transaction settlement apparatus, in step S101, the electronic money recording medium is scanned to obtain information (electronic money). Card transaction serial number counted up for each transaction for each recording medium, transaction history including the payment amount associated with the transaction, identification information for identifying the electronic money recording medium, and the latest value of the electronic money value balance of the electronic money recording medium ) Is read on the transaction settlement apparatus by the read processing unit 21.

  Subsequently, in step S102, the transaction history information generation unit 22 generates a transaction history including information on the current transaction in consideration of the read information. In step S103, the current transaction information in the generated transaction history information is It is stored in a storage area (transaction information storage unit 23) of a transaction settlement apparatus that stores transaction information settled by itself. At this time, an item of a transmitted flag indicating whether or not the information has been transmitted to the transaction information management device is added to the current transaction information.

  In step S104, the packet transmitting / receiving unit 27 transmits a packet for establishing communication between the transaction settlement apparatus and the transaction information management apparatus to the transaction information management apparatus.

  In step S105, it is determined whether the packet transmission / reception unit 27 has received a response packet from the transaction information management apparatus for the communication establishment packet transmitted in step S104.

  If it is determined in step S105 that no response packet has been received, it is determined in step S106 whether a predetermined time has elapsed. If it is determined that the predetermined time has not elapsed, the process returns to step S105. On the other hand, if it is determined that the predetermined time has elapsed, it is determined in step S107 whether the communication establishment packet transmission count (retry count) exceeds the predetermined count.

  If it is determined in step S107 that the predetermined number of times has been exceeded, a message indicating that communication establishment with the transaction information management device has failed (message indicating that a communication failure has occurred) is output on the display unit in step S108. Then, a series of processing ends.

On the other hand, if it is determined in step S107 that the predetermined number has not been exceeded, the retry count variable is incremented, and the process returns to step S104.
If it is determined in step S105 that the response packet has been received by the packet transmission / reception unit 27, the transaction history including the current transaction information generated in step S102 is received by the transaction history transmission unit 24 in step S109. Sent to the management device. In step S110, the transmitted flag of the current transaction information stored in the storage area in step S103 is set to ON, and the series of processing ends.

  Although not certain from the flowchart of FIG. 9, when a transaction history including information on the current transaction is generated by the transaction history information generation unit 22 in step S102, the processing after step S103 is performed in parallel. Thus, the transaction information writing unit writes the generated current transaction information in a storage area that holds a transaction history in the electronic money recording medium. As a result of this writing process, for example, the oldest transaction information on the storage area that can hold two or more N transaction histories of the electronic money recording medium is overwritten with the current transaction information.

FIG. 10 is a block diagram showing a detailed configuration of the transaction history information generation unit 22 in the transaction settlement apparatus of FIG.
As shown in FIG. 10, the transaction history information generation unit 22 in the transaction settlement apparatus 20 has the electronic money value corresponding to the payment amount associated with the current transaction as the latest of the electronic money value balance read by the read processing unit 21. An electronic money value balance calculating unit 31 that calculates the difference as an electronic money value balance after the current transaction, a transaction number changing unit 32 that counts up the read card transaction serial number, and a calculated electronic money value balance. , A current transaction information generation unit 33 that generates information of a current transaction including the counted card transaction serial number, and a transaction history read by the read processing unit 21 from the current transaction information generated by the current transaction information generation unit 33 A transaction information linking unit 34 that generates transaction history information including current transaction information by adding to the information is provided.

  FIG. 11 is a flowchart of transaction history information generation processing. The process of this flowchart is performed by the transaction history information generation unit 22 in the transaction settlement apparatus of FIG. Further, the transaction history information generated as a result of this processing is transmitted from the transaction settlement apparatus to the transaction information management apparatus.

  First, in step S201, when the electronic money value corresponding to the payment amount associated with the current transaction is smaller than the latest value of the electronic money value balance read by the read processing unit 21, the electronic money value balance calculation unit 31 The difference is calculated as the electronic money value balance after the current transaction, and the card transaction sequence number read by the read processing unit 21 is counted up by the transaction sequence number changing unit 32 in step S202.

  In step S203, the current transaction information generation unit 33 generates the current transaction information including the calculated electronic money value balance, the counted card transaction serial number, the transaction settlement device identification information, and the transaction date and time.

  In step S204, the current transaction information generated by the current transaction information generating unit 33 is added to the transaction history information read by the read processing unit 21 by the transaction information connecting unit 34, so that the current transaction information is displayed. Transaction history information including is generated.

  Note that in step S204, the transaction information linking unit 34, with respect to the current transaction information generated by the current transaction information generation unit 33, the transaction history information read by the read processing unit 21 and the transaction information storage unit 23. The transaction history information including the current transaction information and the unsent transaction information is generated by adding unsent transaction information to the transaction information management device in the transaction information stored in the transaction information, and the transaction history transmission unit 24 generates Transaction history information including current transaction information and untransmitted transaction information may be transmitted to the transaction information management device.

  In this way, for example, when a transaction occurs, a communication failure occurs between the transaction settlement device and the transaction information management device, and transaction information that has not been transmitted remains in the transaction information management device. Since the unsent transaction information together with the generated transaction information can be transmitted to the transaction information management device when the first transaction occurs at the time of recovery from the communication failure, it is possible to prevent the transaction information from being left untransmitted indefinitely.

FIG. 12 is a block diagram showing the configuration of the transaction information management device.
As shown in FIG. 12, the transaction information management device 40 is based on a transaction history information storage control unit 41 that stores received transaction history information in a transaction information database, and a transaction information database that reflects the received transaction history information. About the electronic money recording medium of the received transaction history information, the immediately preceding transaction detecting unit 42 for detecting the transaction immediately before the first missing number of the card transaction serial number, the payment of each transaction for the electronic money recording medium of the received transaction history information By calculating the respective points based on the amount of money, the remaining point calculation unit 43 for calculating the remaining points of each transaction up to the transaction immediately before the first missing number of the detected card transaction serial number, immediately before the detected Transaction number missing number determination unit 44, which determines whether there is a missing number in the card transaction serial number by determining whether the transaction of the transaction matches the current transaction. When it is determined by the unit 44 that there is no missing number, the calculated previous transaction, that is, the remaining point of the current transaction is transmitted to the transaction settlement apparatus that is the transmission source of the transaction history information together with the identification information of the electronic money recording medium. Point remaining number transmission unit 45.

  FIG. 13 is a flowchart of transaction information management processing (processing for writing transaction information in the transaction information database, point remaining number calculation processing). The process of this flowchart is performed by the transaction information management device 40 of FIG.

  For example, a series of processes is started when a transaction history information or current transaction information is received from any of the transaction settlement apparatuses. First, in step S301, the received transaction history information is stored in the transaction information database by the transaction history information storage control unit 41.

  Subsequently, in step S302, based on the transaction information database reflecting the received transaction history information by the immediately preceding transaction detection unit 42, the first missing number of the card transaction serial number is recorded for the electronic money recording medium of the received transaction history information. The last transaction is detected.

  In step S303, the remaining point calculation unit 43 calculates each point on the electronic money recording medium of the received transaction history information based on the payment amount of each transaction. A number is calculated up to the transaction immediately before the first missing number of the detected card transaction sequence number. That is, when the immediately preceding transaction matches the current transaction, there is no missing number in the transaction information for the electronic money recording medium. If the previous transaction does not match the current transaction, the remaining points cannot be calculated for transactions after the previous transaction (transactions after the first missing number), so the value of that item is "" (Blank).

  In step S304, the calculation result information transmission unit 44 transmits the remaining point number of the current transaction together with the identification information of the electronic money recording medium to the transaction settlement apparatus that is the transmission source of the transaction history information, and the series of processes is terminated.

  In the transaction settlement apparatus of the transmission source that has received this information, if a value is set for the remaining point number of the current transaction, the value is printed on the receipt as the latest value of the remaining point number. On the other hand, if the number of remaining points for the current transaction is blank (if there is a missing number in the transaction information of the electronic money recording medium), a message such as “Please confirm the remaining number of points at a later date” is printed on the receipt. The

FIG. 14 is a diagram showing a data structure of the transaction information database.
As shown in FIG. 14, the transaction information database includes electronic money recording medium identification information (card ID) for identifying an electronic money recording medium used for the transaction, addition of points in each transaction up to the transaction, up to the transaction The number of remaining points, including the date and time of points subtraction by the use of points in some transactions, transaction date and time, payment amount associated with the transaction (withdrawal amount), payment device identification information that identifies the transaction payment device used for the transaction (settlement Terminal ID) and card transaction serial number counted up for each transaction for each electronic money recording medium.

The characteristic operation of the transaction management system of the present embodiment will be described with reference to FIGS. 3 and 5 and the following FIGS. 15A, 15B, 16 and 17.
First, in FIG. 3, the user when payment terminal to settle the transaction with (transaction settlement system) 15 ₁ using an electronic money storage medium 16, the transaction settlement system 15 ₁ and the communication between the transaction information managing device 11 is established or regardless of whether the transaction information shown in FIG. 15A is added to the transaction settlement system 15 _first storage area (transaction information storage unit). In FIG. 15A, "A001" represents the card ID of the electronic money storage medium 16, "T001" indicates the payment terminal ID of the payment terminal 15 _1. The card transaction serial number of this transaction is “215”. The item of the transmitted flag is an item added when the transaction information is stored in the storage area.

Subsequently, in FIG. 5, when the same user payment terminal (transaction settlement system) to settle the transaction with 15 ₂ using the electronic money storage medium 16, communication between the transaction settlement system 15 ₂ and the transaction information managing device 11 regardless of whether or not to establish, transaction information shown in FIG. 15B is added to the transaction settlement system 15 _second storage area (transaction information storage unit). In FIG. 15B, "T002" indicates a settlement terminal ID of the payment terminal 15 _2. The card transaction serial number of this transaction is “216”.

  In the prior art, the transaction settlement terminal transmits only the transaction information settled by itself to the transaction information management device. Accordingly, the data in FIG. 15A cannot be transmitted to the transaction information management apparatus due to a communication failure. However, if the data in FIG. 15B can be transmitted to the transaction information management apparatus, the card ID is as shown in FIG. With respect to the electronic money recording medium 16 of “A001”, a card transaction serial number is missing (“214” is followed by “216”).

Then, Thus, transaction settlement system 15 ₁ and by communication failure recovery between the transaction information managing device 11, until the data of FIG. 15A is received in the transaction information managing unit 11, the card ID is "A001" With respect to the electronic money recording medium 16, points can no longer be calculated, the user cannot always grasp the points of the electronic money recording medium, and the opportunities to use the points are limited, so the card is not easy to use. .

In the present embodiment, transaction settlement system 15 _2, as shown in FIG. 17, the transaction information held in the electronic money storage medium, the transaction history information added to the transaction information shown in FIG. 15B created by itself It is transmitted to the transaction information management device 11. Accordingly, the transaction information management apparatus 11 that has received the transaction history information can calculate the remaining point until the latest transaction without any missing card transaction serial number for the electronic money recording medium of the transaction history information. Almost 100% is possible.

  In addition, the recovery of the failure is delayed, and when the user settles the transaction using the electronic money recording medium in many stores in a short time, the information in the storage area in the electronic money recording medium may not be overwritten. However, the probability of occurrence is quite low, and it seems that there is no need to consider it in operation.

  Thus, in the present embodiment, even if a failure occurs between the payment terminal (transaction payment device) and the transaction history management device, the transaction history at the next transaction performed via another transaction payment device. Since the transmitting unit transmits information obtained by adding the current transaction information to the transaction history information read from the electronic money recording medium, the card is compared with the case where only the current transaction information is transmitted to the management device. The period during which points cannot be calculated due to missing transaction serial numbers can be reduced as much as possible.

  In the transaction information management device 40 in FIG. 12, the temporary registration flag is set to ON for the transaction information in the received transaction history information whose identification information of the settlement terminal is different from that of the source transaction settlement device. The transaction information in the received transaction history information further includes a provisional registration flag setting unit for setting the provisional registration flag to off for transaction information whose identification information of the settlement terminal matches the transaction settlement apparatus of the transmission source. You may do it.

  In this case, when the transaction history information storage control unit 41 stores the received transaction history information in the transaction information database, the transaction information in which the temporary registration flag is set to ON is added to the transaction information database only when newly added. The transaction information stored and the temporary registration flag set to OFF is stored in the transaction information database in both cases of new addition and overwriting.

  By doing in this way, when transaction information is registered on the transaction information database from the electronic money recording medium via the transaction settlement apparatus, transaction information that the transaction settlement apparatus has settled by itself is transmitted via the transaction settlement apparatus. It can be distinguished from the case where it is registered in the transaction information database, and the reliability of the transaction information on the transaction information database can be maintained.

FIG. 18 is a diagram illustrating an example of a storage medium.
Naturally, the transaction settlement processing of the present invention can be realized by a general computer 50. In this case, the program for the processing of the present invention is loaded from the storage device 51 of the computer 50 into the memory of the computer 50 and executed, or the program for the processing of the present invention is stored in the computer from the portable storage medium 63. The program for the processing of the present invention can be loaded into the memory of the computer 50 from the external storage device 61 via the network 62 and executed.

It is a block diagram (the 1) of the transaction information management system of one Embodiment of this invention. It is a sequence diagram which shows operation | movement of the transaction information management system of FIG. It is a block diagram (the 2) of the transaction information management system of one Embodiment of this invention. It is a sequence diagram which shows operation | movement of the transaction information management system of FIG. It is a block diagram (the 3) of the transaction information management system of one Embodiment of this invention. It is a sequence diagram which shows operation | movement of the transaction information management system of FIG. It is a sequence diagram which shows operation | movement of the transaction information management system of a prior art. It is a figure which shows the data structure of the information stored in an electronic money recording medium. It is a block diagram which shows the structure of a transaction payment apparatus (settlement terminal). It is a flowchart of transaction settlement processing (reading of electronic money recording medium information, information transmission to a transaction information management device). It is a block diagram which shows the detailed structure of the transaction history information generation part 22 in the transaction payment apparatus of FIG. It is a flowchart of transaction history information generation processing. It is a block diagram which shows the structure of a transaction information management apparatus. It is a flowchart of transaction information management processing (writing processing of transaction information to a transaction information database, point remaining number calculation processing). It is a figure which shows the data structure of a transaction information database. It is a diagram illustrating an example of the added transaction information to the transaction settlement system 15 ₁ of the storage area of FIG. 3 (transaction information storage unit). Is a diagram illustrating an example of the added transaction information to the transaction settlement system 15 _second storage area in FIG. 5 (transaction information storage unit). It is a figure which shows an example of the transaction information database in which the transaction information of FIG. 15B in a prior art was reflected. It is a figure which shows an example of the transaction information hold | maintained in an electronic money recording medium. It is a figure which shows the example of a storage medium.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Transaction information management system 11, 40 Transaction information management apparatus 12 Transaction information database 13 Network 14, 20 Payment terminal (transaction payment apparatus)
DESCRIPTION OF SYMBOLS 15 Store 16 Electronic money recording medium 21 Reading processing part 22 Transaction history information generation part 23 Transaction information storage part 24 Transaction history information transmission part 25 Control part 26 Transaction information writing part 27 Packet transmission / reception part 31 Electronic money value balance calculation part 32 Transaction serial number Change unit 33 Current transaction information generation unit 34 Transaction information connection unit 41 Transaction information storage control unit 42 Previous transaction detection unit 43 Point remaining number calculation unit 44 Calculation result information transmission unit

Claims (6)

In a transaction settlement apparatus that reads a transaction history from an electronic money recording medium and settles a transaction,
Card transaction serial number counted up for each transaction for each electronic money recording medium, transaction history information including the payment amount associated with the transaction, identification information for identifying the electronic money recording medium, and electronic money value of the electronic money recording medium A read processing unit for reading the latest value of the balance from the electronic money recording medium;
A transaction history information generation unit that generates transaction history information including information on the current transaction in consideration of the read information;
A transaction settlement apparatus comprising: a transaction history transmission unit that transmits transaction history information including the generated current transaction information to a database management apparatus that stores transaction histories of a plurality of electronic money recording media. The transaction history information generation unit
An electronic money value balance calculating unit that calculates the difference as the electronic money value balance after the current transaction when the electronic money value corresponding to the payment amount associated with the current transaction is smaller than the latest value of the read electronic money value balance; ,
A transaction sequence number changing section for counting up the read card transaction sequence number;
A current transaction information generating unit that generates information of the current transaction including the calculated electronic money value balance and the counted card transaction serial number;
A transaction information linking unit that generates transaction history information including the current transaction information by adding the current transaction information generated by the current transaction information generation unit to the transaction history information read by the read processing unit; The transaction settlement apparatus according to claim 1, further comprising: It further includes a transaction information storage unit that stores transaction information settled by itself,
The transaction information linking unit has a transaction history information read by the read processing unit and a transaction information stored in the transaction information storage unit for the current transaction information generated by the current transaction information generation unit. By adding unsent transaction information to the information management device, transaction history information including the current transaction information and the unsent transaction information is generated,
The transaction history transmission unit transmits the generated transaction history information including the current transaction information and the unsent transaction information to a database management device that stores transaction histories of a plurality of electronic money recording media. The transaction settlement apparatus according to claim 2.   The transaction settlement apparatus according to claim 1, further comprising a transaction information writing unit that writes the generated current transaction information into a transaction history of the electronic money recording medium. In a transaction management system that manages transaction settlement by reading transaction history from an electronic money recording medium,
Card transaction serial number counted up for each transaction for each electronic money recording medium, transaction history information including the payment amount associated with the transaction, identification information for identifying the electronic money recording medium, and electronic money value of the electronic money recording medium A read processing unit for reading the latest value of the balance from the electronic money recording medium;
A transaction history information generation unit that generates transaction history information including information on the current transaction in consideration of the read information;
A transaction history transmission unit that transmits transaction history information including the generated current transaction information to a database management device that stores transaction histories of a plurality of electronic money recording media; and
A transaction history information storage control unit for storing received transaction history information in a transaction information database;
Based on the transaction information database reflecting the received transaction history information, for the electronic money recording medium of the received transaction history information, the immediately preceding transaction detection unit for detecting the transaction immediately before the first missing number of the card transaction serial number;
With respect to the electronic money recording medium of the received transaction history information, by calculating each point based on the payment amount of each transaction, the remaining number of points of each transaction is calculated as the first missing number of the detected card transaction serial number. A point remaining number calculation unit for calculating up to the immediately preceding transaction;
A transaction management system comprising: a calculation result information transmission unit that transmits the remaining points of a current transaction together with identification information of an electronic money recording medium to a transaction settlement apparatus that is a transmission source of transaction history information. For the transaction information in the received transaction history information, for transaction information whose identification information of the settlement terminal is different from the transaction settlement device of the sender, set the temporary registration flag to ON,
The transaction information in the received transaction history information further includes a provisional registration flag setting unit for setting the provisional registration flag to off for the transaction information whose identification information of the settlement terminal matches the transaction settlement apparatus of the transmission source,
The transaction history information storage control unit
When storing the received transaction history information in the transaction information database, the transaction information for which the temporary registration flag is set to ON is stored in the transaction information database only when newly added,
6. The transaction management system according to claim 5, wherein the transaction information for which the temporary registration flag is set to off is stored in the transaction information database in both cases of new addition and overwriting.

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