JP2008003951A - Information processor and information processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To restrict spending of electronic money to an appropriate purpose. <P>SOLUTION: In an electronic money system 1, member stores 3 are divided into subsidy object stores in agreement with the purpose of subsidies as the spent destinations of subsidies, and into stores outside a subsidy object not in agreement. A user charges an electronic money card 6 or a cellphone with a subsidy and settles the account in the member store 3. The account is settled by reducing the value stored in the electronic money card 6 or cellphone 7. An electronic money terminal 8 transmits transaction information to an electronic money server 2 after account settlement. The electronic money server 2 analyzes the transaction information and computes the total value of settled amounts in the stores outside the subsidy object, out of the amounts settled by the user. The electronic money server 2 deducts the total value of settled amounts in the stores outside the subsidy object, from a subsidy when subsidized next time. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an information processing apparatus and an information processing method, and for example, relates to an apparatus for changing the amount of electronic money.

For the purpose of protecting and supporting vulnerable people, various public support such as welfare and child allowance is provided.
A subsidy is transferred to the welfare person's deposit account every month by a public institution, and the welfare person makes a living with this subsidy.

Incidentally, in recent years, the use of electronic money has become widespread, and the value is used as a substitute for cash by increasing or decreasing the amount of money value called value stored in the IC chip.
There are the following documents as techniques relating to such electronic money.
JP 2003-141428 A

  In this technology, a value is stored in a non-contact type IC card carried by a user, and electronic money is distributed by adding and subtracting the value.

An example of receiving welfare protection and using it for purposes deviating from its original purpose, such as gambling and entertainment, has become a problem. However, it was difficult to understand how the subsidy was used, and it was not possible to confirm that the subsidy was being used appropriately.
And no attempt has been made to apply electronic money management technology to the appropriate use of subsidies.

  Therefore, an object of the present invention is to limit the use of electronic money to an appropriate one.

In order to achieve the above object, according to the present invention, in the invention described in claim 1, an ID storage device storing ID information and an amount storage associated with the ID and storing a monetary value as electronic data A device for reading the ID information from the ID storage device, and a money amount changing device for increasing or decreasing the amount stored in the money amount storage device associated with the read ID information. An information processing apparatus used in an electronic money system, wherein the reading device is divided into a first group and a second group and is stored, and when ID information is read by the reading device of the first group The first total amount that is the sum of the amounts reduced by the amount change device and the sum of the amounts that the amount change device has reduced when the ID information is read by the reading device of the second group. Providing a second total amount that, of the total amount acquiring means for acquiring at least one, and the total amount output means for outputting the total amount after the acquisition, the information processing apparatus characterized by comprising a.
In the invention according to claim 2, the total amount acquisition unit acquires the second total amount, receives an increase request for the amount stored in the amount storage device, and stores the increase request reception unit, A subtracting unit that subtracts the second total amount output from the total amount output unit from an amount increased by an increase request, and a notification unit that notifies the amount change device of the subtracted amount. An information processing apparatus according to claim 1 is provided.
According to a third aspect of the present invention, the total amount acquisition unit includes a notification unit that acquires the first total amount and notifies the amount change device of the first total amount output by the total amount output unit. An information processing apparatus according to claim 1 is provided.
According to a fourth aspect of the present invention, the readers that are classified into the first group are installed in a store in which payment with the amount stored in the amount storage device associated with the ID information is appropriately registered. The reading device classified into the second group is installed in a store where it is registered that payment with the amount stored in the amount storage device associated with the ID information is not appropriate. An information processing apparatus according to claim 1, 2, or 3 is provided.
In the invention according to claim 5, an ID storage device that stores ID information, an amount storage device that is associated with the ID and stores a monetary value as electronic data, and reads ID information from the ID storage device Information performed by an information processing device used in an electronic money system configured using a reading device and an amount change device that increases or decreases the amount stored in the amount storage device associated with the read ID information In the processing method, the information processing apparatus includes: a classification storage unit that divides and stores the reading device into a first group and a second group; a total amount acquisition unit; and a total amount output unit; A first total amount that is a sum of amounts reduced by the amount change device when the ID information is read by the reading device of the first group by the total amount acquisition means, and the second group A total amount acquisition step of acquiring at least one of a second total amount that is a sum of amounts reduced by the amount change device when the ID information is read by a group reading device, and the total amount output means, There is provided an information processing method comprising: a total amount output step for outputting the acquired total amount.

  According to the present invention, the usage of electronic money can be limited to an appropriate one.

(1) Outline of the embodiment In the electronic money system 1 (FIG. 1), the member store 3 is divided into a sub-subject store that matches the purpose of the subsidy and a non-subsidy store that does not match the purpose of subsidy. The electronic money server 2 stores the correspondence between the member store 3 and the classification.
The user charges the subsidy to the electronic money card 6 or the mobile phone 7 and settles it at the member store 3.
The settlement is performed by causing the electronic money card 6 or the mobile phone 7 to communicate with the electronic money terminal 8 of the member store 3 and reducing the value stored in the electronic money card 6 or the mobile phone 7.

After payment, the electronic money terminal 8 electronically stores transaction information including the terminal ID of the electronic money terminal 8, the electronic money function unit ID which is the ID information of the electronic money card 6 and the mobile phone 7, the member store ID, and the payment amount. Send to money server 2.
The electronic money server 2 analyzes the transaction information, and calculates the total value of the payment amount at the non-subsidized store among the amounts settled by the user.
Then, the electronic money server 2 deducts the total value of the settlement amount at the non-subsidized store from the subsidy at the next subsidy payment.

(2) Details of Embodiment FIG. 1 is a diagram showing a network configuration of an electronic money system 1.
The electronic money server 1 is installed in a mobile terminal 7, an electronic money server 2, the Internet 4, a base station 5, an electronic money card 6, a user terminal 9 composed of a personal computer, member stores 3, 3,. The electronic money terminals 8, 8, 8,... Function as an electronic money system.

The mobile phone 7 includes a browser, has an Internet connection function, and has an IC chip for an electronic money card and an antenna for communicating with the electronic money terminal 8, and is close to the electronic money terminal 8. By performing wireless communication, it is possible to increase (charge) and decrease (settlement) the value stored in the IC chip.
In this embodiment, the IC chip is a non-contact type (a wireless access is accepted), but a contact type (a wireless access is accepted) may be used.
The mobile phone 7 can also communicate with the electronic money server 2 via the base station 5 and charge or settle a value via the Internet 4.
As described above, the mobile phone 7 can be charged and settled by the electronic money terminal 8 and can be charged and settled by the electronic money server 2 via the Internet 4.

Here, the value is a concept corresponding to money in the electronic money management system, and is money information representing the amount of money value as electronic data.
When the operator of the electronic money system 1 issues value, it collects the currency of the corresponding amount from the user, and distributes it according to the amount of payment to the member store 3 that has settled with the value. , The correspondence between value and currency.

The electronic money card 6 includes an IC chip and an antenna for communicating with the electronic money terminal 8, and can be charged and settled in the same manner as the mobile phone 7. Electric power for driving the IC chip is supplied from the electronic money terminal 8 by radio.
Further, the electronic money card 6 can communicate with the electronic money server 2 via the user terminal 9, and can perform charging and settlement via the Internet 4 like the mobile phone 7.

The user terminal 9 has a function of connecting to the Internet 4 and a function of performing a short-distance wireless connection with the electronic money card 6 by a device called a reader / writer having an antenna. The electronic money card 6 and the electronic money server 2 Can mediate communications.
As described above, the electronic money card 6 can be charged and settled by the electronic money terminal 8, and can be charged and settled by the electronic money server 2 via the Internet 4.

The electronic money server 2 is configured by a server device operated by an operator of the electronic money system 1.
The electronic money server 2 is connected to the electronic money terminals 8, 8, 8,... Via the communication line, collects information on the value charging status and payment status from these electronic money terminals 8 as transaction information, and records history information ( Log data).
In addition, the electronic money server 2 transmits money amount change information to the mobile phone 7 or the electronic money card 6 via the Internet 4 and executes the money amount change information with these IC chips, whereby the electronic money card 6 or the mobile phone. 7 can be charged and settled.

The electronic money server 2 registers and manages a user who receives subsidies for life protection (hereinafter simply referred to as a user) in a sub-subject database, which is described later, and functions as a reception window for the user to receive subsidies. Have.
Then, the operator of the electronic money system 1 deposits the subsidy issued to each user from a public institution or the like, charges it to the user's electronic money card 6 or the mobile phone 7, and distributes it to each user.

The member store 3 is a store that can be settled with a value using the electronic money card 6 or the mobile phone 7, and is classified into either a support target store or a non-support target store according to a member store database described later.
The subsidized store is a member store 3 suitable for the purpose of subsidies such as a grocery store or a medical institution, and the non-subsidized store is a subsidized purpose such as a game facility such as a pachinko store or a racetrack. The member store 3 is not suitable. In either case, the classification is designated by a public institution or the like and registered in the member store database.
When the user makes a settlement with value at a store that is not subsidized, the amount is deducted when the subsidy is charged next time.

The electronic money terminal 8 is an access terminal for accessing the electronic money card 6 and the mobile phone 7 and is installed in the member store 3 or incorporated in an accounting device (cash register) of the member store 3. A reader / writer unit having an antenna for communicating with the electronic money card 6 is provided.
The electronic money terminal 8 can transmit the money amount change information to the mobile phone 7 or the electronic money card 6 to perform charging or settlement.

As described above, charging and settlement of value are completed between the electronic money terminal 8 and the mobile phone 7 and between the electronic money terminal 8 and the electronic money card 6, and it is not necessary to access the electronic money server 2. Can be processed.
The electronic money terminal 8 stores transaction information in which processing contents with the mobile phone 7 and the electronic money card 6 are recorded. For example, the electronic money terminal 8 transmits the transaction information to the electronic money server 2 by batch processing about once a day.
This transaction information is analyzed by the electronic money server 2 and used for the purpose of consistency between value and currency. For example, the total amount of value used by the user for settlement at the support target store and the non-support target store Used to aggregate the total amount of value used for settlement.

FIG. 2A is a block diagram showing an example of the hardware configuration of the electronic money card 6.
The electronic money card 6 is. A CPU (Central Processing Unit) 21, a high frequency circuit 22, an antenna 26, a ROM (Read Only Memory) 23, a RAM (Random Access Memory) 24, an EEPROM (Electrically Erasable and Programmable ROM) 25, and the like.
These elements are formed on an IC chip embedded in the electronic money card 6. However, the antenna 26 is constituted by an aerial line extending around an elliptical curve around the outer edge of the electronic money card 6 or on the diagonal line of the electronic money card 6, and the end is connected to the IC chip. .

The CPU 21 is a central processing unit that performs information processing according to various programs stored in the ROM 23 and the EEPROM 25.
Further, the CPU 21 can perform short-range wireless communication with the electronic money terminal 8 via the antenna 26 and the high-frequency circuit 22.

The antenna 26 is an antenna for performing short-distance wireless communication with an antenna built in the reader / writer.
The antenna 26 generates electric power for driving the electronic money card 6 by radio waves from the reader / writer.

  The high frequency circuit 22 converts the high frequency transmitted from the reader / writer to the antenna 26 into a digital signal and outputs it to the CPU 21. Conversely, the high frequency circuit 22 converts the digital signal output from the CPU 21 into a high frequency and sends it out from the antenna 26 to the reader / writer. To do.

The RAM 24 is an occasional write / read memory that provides a working memory when the CPU 21 performs information processing.
The RAM 24 can hold the stored content while power is being supplied to the electronic money card 6, but the stored content is lost when the supply of power is stopped.
The ROM 23 is a read-only memory that stores basic programs, parameters, data, and the like for causing the electronic money card 6 to function.

An EEPROM (Electrically Erasable and Programmable ROM) 25 is a ROM capable of writing and erasing information. Information stored in the EEPROM 25 is maintained even when power is not supplied to the electronic money card 6.
Various programs and data are stored in the EEPROM 25.
Examples of the data include the current value balance, log data relating to past transactions, and an electronic money function unit ID that is unique ID information for the electronic money server 2 to identify the electronic money card 6.
As the program, for example, there is a value processing program for processing value. By executing this program, the CPU 21 exhibits a communication function with the electronic money terminal 8, a charge function based on money amount change information, and a settlement function.

FIG. 2B is a block diagram schematically showing the functional configuration of the electronic money card 6.
The value processing unit 28 is configured by the CPU 21 executing a value processing program.
The storage unit 29 is formed in the EEPROM 25 and stores a balance of value, an electronic money function unit ID, log data, and the like. The terminal communication unit 27 is formed using the antenna 26 or the like, receives money amount change information from the reader / writer unit 8 a of the electronic money terminal 8, and inputs it to the value processing unit 28.
The value processing unit 28 increases or decreases the value balance stored in the storage unit 29 by the amount specified by the amount change information, and charges or settles.
In addition to this, various commands such as a command for referring to the balance of value and a command for referring to the electronic money function unit ID are prepared, and the value processing unit 28 uses the information specified by these commands. Process.

Here, the amount change information will be described in more detail.
The amount change information includes an addition command and a subtraction command. The addition command and the subtraction command are accompanied by an amount as a parameter, and the value processing unit 28 increases or decreases the value by this amount.
For example, when the value balance stored in the storage unit 29 is 5000 yen and the settlement amount is 1000 yen, the electronic money terminal 8 generates a subtraction command for reducing 1000 yen and transmits it to the terminal communication unit 27. Then, the value processing unit 28 executes this subtraction command to update the value balance stored in the storage unit 29 to 5000 yen-1000 yen = 4000 yen.

It is also possible to configure the amount change information with an overwrite command.
In this case, the electronic money terminal 8 calculates the value balance after addition / subtraction, and overwrites the value balance in the storage unit 29 with this amount.
For example, consider a case where the value balance stored in the storage unit 29 is 5000 yen and the settlement amount is 1000 yen.
The electronic money terminal 8 reads the current value balance of 5000 yen from the electronic money card 6 and calculates a balance of 5000 yen-1000 yen = 4000 yen after settlement. Then, the electronic money terminal 8 generates an overwrite command for overwriting the value balance to 4000 yen and transmits it to the terminal communication unit 27. Then, the value processing unit 28 executes this overwrite command, and updates the balance of the value stored in the storage unit 29 to 4000 yen.

As described above, the case where the amount change information is configured by the addition / subtraction command and the case where the amount change information is configured by the overwrite command has been described, but it is also possible to combine them.
For example, an addition command can be used for charging, an overwrite command can be used for settlement, or an overwrite command can be used for charging, and a subtraction command can be used for settlement.

  As described above, the electronic money card 6 constitutes a computer having a communication function, an information processing function, a storage function, etc., stores the monetary value amount as electronic data (value), and uses the amount change information. It functions as a payment terminal that changes the monetary value stored.

FIG. 3 is a conceptual diagram showing an example of a functional configuration of the mobile phone 7.
The telephone function unit 10 has a call mode for making a call and an application mode for providing various application functions, and can be switched by a user operation. In the present embodiment, the mobile phone 7 is used in the application mode.
The telephone function unit 10 includes a CPU and a storage unit that stores various application programs, and can execute various application functions by executing these application programs on the CPU.

The electronic money application unit 15 is formed by executing an electronic money application program by the CPU of the telephone function unit 10.
The electronic money application unit 15 can access both the electronic money server 2 and the electronic money function unit 12, receives money amount change information from the electronic money server 2, and inputs the money amount change information to the electronic money function unit 12. The unit 12 can be charged and settled.

  The electronic money application unit 15 displays the balance of the value stored in the electronic money function unit 12 on the display of the mobile phone 7 or an electronic money function that is ID information unique to the electronic money function unit 12 Various functions such as reading the unit ID from the electronic money function unit 12 and displaying it on the display or transmitting it to the electronic money server 2 can be exhibited.

The electronic money function unit 12 includes an IC chip and an antenna having the same configuration as that embedded in the electronic money card 6, and is connected to the electronic money application unit 15 through the interface 11.
Similar to the electronic money card 6, the electronic money function unit 12 has a terminal processing unit 16, a value processing unit 17, and a storage unit 18 by the CPU executing a value processing program stored in the EEPROM within the IC chip. Etc. are formed.

The value processing unit 17 can receive money amount change information from the electronic money server 2 via the interface unit 11 in addition to receiving money amount change information from the electronic money terminal 8 via the terminal communication unit 16.
Then, the value processing unit 17 performs charging and settlement by increasing / decreasing the value balance stored in the storage unit 18 in accordance with the amount change information.
The storage unit 18 stores an electronic money function unit ID, log data, and the like in addition to the value balance.

  As described above, the IC chip constituting the electronic money function unit 12 constitutes a computer having a communication function, an information processing function, a storage function, etc., and stores the monetary value as electronic data (value). , Functioning as a payment terminal for changing the amount of money stored using the amount change information.

FIG. 4 is a diagram illustrating an example of a hardware configuration of the electronic money server 2.
The electronic money server 2 functions as an information processing apparatus that performs information processing for distributing electronic money, and is configured by connecting a CPU 31, a ROM 32, a RAM 35, a communication control unit 33, a storage unit 36, and the like via a bus line. .

The CPU 31 performs various types of information processing according to a predetermined program. In this embodiment, for example, the transaction information settled with the electronic money card 6 or the mobile phone 7 is analyzed, and the total value of the payment amount at the subsidized store and the total value of the settlement amount at the non-subsidized store are totaled. To do. Specific processing contents will be described later using a flowchart.
The ROM 32 is a read-only memory, and stores basic programs and parameters for operating the electronic money server 2.
The RAM 35 is a readable / writable memory, and provides a working memory for the CPU 31, loads and stores programs and data stored in the storage unit 36, and the like.
The communication control unit 33 is a control unit for communicating with the electronic money terminal 8 and communicating with the mobile phone 7 and the electronic money card 6 via the Internet 4.

The storage unit 36 is configured by using a large-capacity storage device such as a hard disk, and includes a program storage unit 38 that stores various programs, a data storage unit 39 that stores data, and the like.
The program storage unit 38 communicates with an OS, which is a basic program for causing the electronic money server 2 to function, an analysis program for analyzing transaction information, the electronic money card 6 and the mobile phone 7, and charging and settlement. The transaction processing program and other programs are stored.

The data storage unit 39 includes a subscribing person database 55 that registers users who receive subsidies, a member store database 56 that stores information on member stores, a subsidy database 53 that stores the amount of subsidies received by each user, A transaction database 54 storing transaction information with the mobile phone 7 and the electronic money card 6 is stored.
The electronic money server 2 has been described above, but the hardware configuration of the electronic money terminal 8 is basically the same as that of the electronic money server 2.

FIG. 5 is a diagram showing an example of a logical configuration of the member store database 56.
The member store database 56 includes “business owner”, “member store ID”, “member store name”, “terminal ID”, “subject classification”, and other items (such as the zip code, address, and telephone number of the member store). It is configured.
The name of the business operator (corporate name, natural person name, etc.) that operates the member store is stored in “business operator”. An operator may have a plurality of member stores or a single member store.
In the example of the figure, the operator “Out Burger Co., Ltd.” operates a plurality of member stores such as Shibuya branch and Osaka branch as member stores.
Although not shown, each business operator is provided with a business operator ID for identifying the business operator.

In the “member store ID”, ID information for identifying each member store is stored. The member store ID is used to identify the member store when managing various information about the member store.
The “member store name” stores the name of the member store.
The “terminal ID” stores the terminal ID of the electronic money terminal 8 installed in each member store.
The electronic money server 2 can specify the member store 3 from the member store ID by searching the member store database 56 for the terminal ID in addition to specifying the member store 3 from the member store ID.

The “subsidization target category” stores a category indicating whether the member store 3 is a subsidized store or a non-subsidized store.
The subsidized store 3 has “subsidized target” as the “subsidized target”, and if payment is made at the member store 3, it is recognized as an appropriate use of the subsidy, and the next subsidy No deductions will be made for benefits.
On the other hand, the member store 3 of the non-subsidized store has the “subsidized target category” set to “non-subsidized”, and if payment is made at the member store 3, the settlement is made at the next subsidy payment The amount is deducted by the amount.
In the example shown in the figure, settlement at an amusement facility “ABC pachinko” is out of assistance.

FIG. 6A is a diagram illustrating an example of a logical configuration of the auxiliary target person database 55.
A user who receives a subsidy as a value is registered in the subsidy target database 55, and user information such as “electronic money function unit ID”, “user name”, “subsidy amount”, and “address” is stored. Yes.
The “electronic money function unit ID” is ID information for identifying the IC chip of the electronic money card 6 or the mobile phone 7 owned by the user.
“User name” is the name of the user. In the figure, katakana names are shown, but in addition, names in kanji are also stored.
“Subsidy amount” is the amount of subsidy provided to the user. This amount is before deduction. The electronic money server 2 accepts the charge request by storing the amount designated by the public organization or the like in the “subsidy amount”.
More specifically, the operator of the electronic money system 1 may receive and input a request from a public institution, or the system such as the public institution and the electronic money system 1 are connected online, and the public institution or the like Direct input may be possible.

It is also possible to adopt a form in which a business entity called “issuer” issues value, and an operator of the electronic money system 1 operates value.
There can be a plurality of issuers, and the issued value can be used in any electronic money terminal 8 regardless of the issuer.
In this way, when the issuer exists, the issuer receives subsidies from a public institution and issues value. The value is distributed by the operator of the electronic money system 1.

FIG. 6B is a diagram illustrating an example of a logical configuration of the transaction database 54.
The transaction database 54 stores transaction information related to charges and payments made with the electronic money card 6 and the mobile phone 7.
These pieces of transaction information are information stored in the electronic money server 2 that has been transmitted from the electronic money terminal 8 by batch processing.
Further, transaction information when the electronic money card 6 or the mobile phone 7 directly communicates with the electronic money server 2 and is charged or settled is also stored in the transaction database 54.
The transaction information functions as history information that records a history of access from the electronic money terminal 8 to a payment terminal such as the electronic money card 6 or the mobile phone 7.

The transaction information includes “electronic money function unit ID”, “charge”, “settlement”, and other items.
The electronic money function unit ID is read when the electronic money terminal 8 accesses the electronic money card 6 or the mobile phone 7.
Further, when communicating directly with the electronic money server 2 via the Internet 4, the electronic money server 2 reads the electronic money card 6 or the mobile phone 7 by communication.

“Charge” records the member store ID of the member store 3 that charged, the terminal ID of the electronic money terminal 8, the date and time of charging (for example, can be specified in seconds), the amount of charged value, and the like. Yes.
When the electronic money server 2 is directly charged via the Internet 4, the ID of the electronic money server 2 is recorded.
Similarly to “charge”, “settlement” is the member store ID of the member store 3 that made the settlement, the terminal ID of the electronic money terminal 8 (or the ID of the electronic money server 2), the settlement date and time, the amount of value settled, etc. Is recorded.

  In this embodiment, since the member store ID is included in the transaction information, the member store 3 can be identified directly from the transaction information. However, the terminal ID and the member store ID are associated with each other in the member store database 56. Therefore, the member store 3 can be identified from the terminal ID even if the transaction information does not include the member store ID.

FIG. 6C is a diagram showing an example of a logical configuration of the subsidy database 53.
The subsidy database 53 stores the amount of subsidy provided to the user, and the electronic money server 2 charges the amount stored in the subsidy database 53 when the user requests charging.
Therefore, the charge amount in the subsidy database 53 is updated to the current subsidy amount by the subsidy date. For example, when subsidies are paid every month, the amount for the current month is generated by the day of the monthly payment.

The subsidy database 53 includes items such as “electronic money function unit ID”, “member store ID / terminal ID”, “subsidy amount”, “deduction amount”, and “charge amount”.
The “electronic money function unit ID” is an electronic money function unit ID of the user's electronic money card 6 or mobile phone 7 to which the subsidy is charged.
The “member store ID / terminal ID” is the member store ID of the member store 3 in which the electronic money terminal 8 used for charging the subsidy is installed and the terminal ID of the electronic money terminal 8.
Since the member store 3 and the electronic money terminal 8 are associated with each other in the member store database 56, only the terminal ID may be stored.

The “subsidy amount” is the amount before subsidy paid to the user.
The “deduction amount” is the sum of the payment amounts settled by the user at the member store 3 that is “not subject to assistance” between the previous time and this time.
The “charge amount” is an amount obtained by subtracting the deduction amount from the subsidy provided to the user this time, and this amount is charged as the subsidy. The deducted amount is refunded to a public institution, for example. The deducted amount can be carried over to the next month.

Next, the procedure for making a payment with the electronic money card 6 will be described with reference to the flowchart of FIG.
The following processing is performed in cooperation with the CPU 21 of the electronic money card 6 and the CPU 31 of the electronic money terminal 8.
The same can be done when making a payment with the mobile phone 7.
First, the user of the electronic money card 6 sets the electronic money card 6 in the reader / writer unit 8 a of the electronic money terminal 8 in order to settle the merchandise.

Next, a person in charge of the member store 3 (a cashier) inputs the payment amount into the electronic money terminal 8. The electronic money terminal 8 acquires the payment amount thereby, and temporarily stores it in the RAM 34 or the like (step 5).
Next, the person in charge causes the electronic money card 6 and the electronic money terminal 8 to start a payment process by pressing a payment button or the like.
The electronic money terminal 8 transmits an ID reference command to the electronic money card 6 and requests the electronic money function unit ID of the electronic money card 6 (step 10).

The electronic money card 6 receives the ID reference command from the electronic money terminal 8 and executes it, and transmits the electronic money function unit ID stored in the EEPROM 25 to the electronic money terminal 8 (step 15).
The electronic money terminal 8 receives the electronic money function unit ID from the electronic money card 6 and stores it.

Next, the electronic money terminal 8 generates amount change information for reducing the value corresponding to the settlement amount and transmits it to the electronic money card 6 (step 30).
When the electronic money card 6 receives the amount change information (step 35), the electronic money card 6 updates the value balance stored in the EEPROM 25 to a value reduced by the settlement amount (step 40).
The electronic money terminal 8 confirms that the electronic money card 6 has completed the payment process, and the electronic money function unit ID of the electronic money card 6, the payment amount, the date and time of payment, the terminal ID of the electronic money terminal 8, the member store Transaction information (utilization log data) including the member store ID 3 is generated and temporarily stored in a storage device such as a hard disk device.
Then, the electronic money terminal 8 transmits the temporarily stored transaction information to the electronic money server 2 later by batch processing.
The electronic money server 2 receives transaction information from the electronic money terminal 8 and stores it in the transaction database 54.

Next, a procedure for collecting user transaction information and inputting a charge amount into the subsidy database 53 will be described with reference to the flowchart of FIG.
This process is performed before the date of subsidy issuance, and prepares for subsidy charging. It is assumed that the subsidy amount for the current month before subtraction is already stored in the subsidy database 53.
First, the electronic money server 2 searches the auxiliary target person database 55 and specifies an auxiliary target person whose charge amount is to be calculated (step 50). This specification can be performed, for example, in ascending order of the electronic money function unit ID.

Next, the electronic money server 2 searches the transaction database 54 for the transaction information of the user and calculates the total deduction amount (step 60).
More specifically, the electronic money server 2 extracts the transaction information accumulated up to the present time after calculating the deduction amount from the previous time and corresponding to the electronic money function unit ID of the user.
Next, the electronic money server 2 further extracts, out of the extracted transaction information, information generated at the member store 3 in which the “assistance target classification” is “not subject to assistance” in the member store database 56.

Next, the electronic money server 2 further sums the settlement amounts for the extracted transaction information to obtain a total deduction amount.
The electronic money server 2 extracts the transaction information generated in the member store 3 whose “subsidization target category” is “subsidization target”, and also calculates the total amount of settlement at these member stores 3.

In the above example, the electronic money server 2 totals the transaction information and calculates the total payment amount at the non-subsidized store. In addition to this, the electronic money server 2 calculates the total payment amount at all the member stores 3. It is also possible to calculate and then subtract the total payment amount at the sub-target store to obtain the settlement amount at the non-sub-target store.
In addition, the electronic money server 2 calculates the total payment amount at all member stores 3, the total payment amount at the subsidized store, and the total settlement amount at the non-subsidized store, respectively, to a predetermined file or the like. It can also be configured to output.
These output data can be used as data when the subsidizing provider determines the future subsidy amount, and prevents users from making payments at non-subsidized stores. Can demonstrate power.

Alternatively, the electronic money server 2 can be configured to output at least one of the total payment amount at the sub-target store and the total payment amount at the non-sub-target store.
Here, in a case where the electronic money server 2 outputs the total payment amount at the sub-target store and does not output the total settlement amount at the non-sub-target store, as described in Modification 1 described later, the sub-target The charge amount can be defined from the total settlement amount at the store.

The electronic money server 2 calculates the deduction amount as described above and stores it in the “deduction amount” section of the subsidy database 53.
Then, the electronic money server 2 calculates the charge amount by subtracting the “deduction amount” from the value of the “subsidy amount” (step 65), and stores it in the “charge amount” section of the subsidy database 53 (step 70). ).
Next, the electronic money server 2 checks whether or not all users have been processed in the assistance target person database 55 (that is, whether or not the charge amount has been calculated) (step 75).

When there is a user who has not been calculated yet (step 75; N), the electronic money server 2 returns to step 50 to calculate the charge amount for the user, and thereafter continues the processing for all users. .
On the other hand, when the process is performed for all users (step 75; Y), the electronic money server 2 ends the counting process.

Next, the procedure for charging subsidies to the electronic money card 6 will be described with reference to the flowchart of FIG.
In the present embodiment, the electronic money terminal 8 for charging the subsidy is designated in advance, and the user charges the subsidy at the electronic money terminal 8.
When the subsidy delivery date is reached, the electronic money server 2 refers to the charge amount of each user in the subsidy database 53 and generates charge information for charging the subsidy.
The charge information includes the terminal ID of the electronic money terminal 8 that performs charging, the electronic money function unit ID of the electronic money card 6 that charges the subsidy, the amount to be charged, and the like.

When the electronic money server 2 receives an access by batch processing from the electronic money terminal 8 that charges the subsidy, the electronic money server 2 transmits charge information to the electronic money terminal 8 (step 100).
This process is performed as follows. When receiving an access from the electronic money terminal 8, the electronic money server 2 searches for charge information including the terminal ID of the electronic money terminal 8. When the charge information including the terminal ID is retrieved, it is transmitted to the electronic money terminal 8.
The electronic money terminal 8 receives and stores the charge information transmitted by the electronic money server 2 in this way (step 105).

The user visits the member store 3 on the subsidy date and requests the person in charge to charge the subsidy to the electronic money card 6.
In addition, the member store 3 which installed the electronic money terminal 8 which charges a subsidy is designated to the user.
Further, when there are a plurality of electronic money terminals 8 in the member store 3, the electronic money terminal 8 for charging the subsidy is designated.

The person in charge sets the user's electronic money card 6 in the electronic money terminal 8 storing the charge information, and presses a button for subsidy charging, thereby charging the electronic money terminal 8 and the electronic money card 6. Let it begin.
Then, the electronic money terminal 8 sends an ID reference command to the electronic money card 6 to request an electronic money function unit ID (step 115).
The electronic money card 6 receives and executes the ID reference command, and transmits the electronic money function unit ID to the electronic money terminal 8 (step 120).

The electronic money terminal 8 receives the electronic money function unit ID from the electronic money card 6 and checks whether or not the charge information including the same electronic money function unit ID is stored (step 125).
If there is no charge information including the electronic money function unit ID, the electronic money terminal 8 stops the charge process and issues an error message.

When there is charge information including the electronic money function unit ID, the electronic money terminal 8 generates amount change information for charging the value corresponding to the amount set in the charge information, and transmits it to the electronic money card 6. (Step 130).
The electronic money card 6 receives the amount change information from the electronic money terminal 8 (step 135) and executes it to increase the value by the amount of the subsidy (step 140).

By the way, when charging the subsidy with the mobile phone 7, the following is performed.
When subsidy is charged from the electronic money terminal 8, it is the same as the electronic money card 6.
On the other hand, when connecting to the electronic money server 2 using the network function of the cellular phone 7 and charging the subsidy directly from the electronic money server 2, the electronic money server 2 sends the charge information to the electronic money server. Instead of transmitting to the terminal 8, it is stored in its own storage device.
When the electronic money server 2 is accessed from the mobile phone 7 and is requested to charge a subsidy, the electronic money server 2 searches for charge information using the electronic money function unit ID of the IC chip of the mobile phone.
Then, money amount change information for charging the value corresponding to the money amount set by the searched charge information is generated and transmitted to the mobile phone 7.
The mobile phone 7 receives this amount change information, inputs it to the IC chip, executes it, and charges it.
Further, the electronic money card 6 can be connected to the user terminal 9 and charged directly from the electronic money server 2 in the same manner as the mobile phone 7.

The following effects can be obtained by the present embodiment described above.
(1) The use of subsidies can be limited to the subscribing member store 3.
(2) When a user makes a payment at a member store 3 that is not subsidized, a subsidy can be issued by deducting the payment amount.
(3) Since the subsidy is reduced when payment is made at the member store 3 that is not subject to subsidy, it is possible to exert a deterrent that suppresses inappropriate use of subsidies for the user.

(Modification 1)
In the embodiment described above, the payment amount is deducted from the subsidy amount when the user makes a settlement at the member store 3 that is not subsidized. However, in this modification, the subsidy issued by a public institution is used. For each user, the money is stored in the electronic money server 2, and when the user makes a payment at the member store 3 as a subsidy target, the stored amount is charged.
The system configuration is the same as that of the electronic money server 2, and the same components as those in the embodiment will be described with the same reference numerals.

FIG. 10 is a diagram showing a theoretical configuration of a subsidy database (referred to as subsidy database 53a) included in the electronic money server 2 according to the present modification.
The configurations of the auxiliary target person database 55, the member store database 56, and the transaction database 54 are the same as those in the previous embodiment.
The subsidy database 53a includes “electronic money function unit ID”, “member store ID / terminal ID”, “accumulated balance”, “charge amount”, and other items.

Among these, “electronic money function unit ID” and “member store ID / terminal ID” are the same as those in the previous embodiment.
The “accumulated balance” is obtained by accumulating subsidies provided to the user from a public institution or the like like a deposit account. For example, when subsidies are paid monthly, the subsidy amount is added to the “accumulated balance”, and the amount charged by the user is subtracted from the “accumulated balance”.
The “charge amount” is the amount that the user's electronic money card 6 or mobile phone 7 is charged next time. This amount is the amount settled at the subscribing member store 3 from the previous charge to the current charge.
When the electronic money card 6 or the mobile phone 7 is charged, the electronic money server 2 updates the “accumulated balance” by subtracting the “charge amount” from the “accumulated balance”.

The amount stored in the “stored balance” belongs to the user, and for example, when the value balance of the electronic money card 6 or the mobile phone 7 falls below a predetermined value (for example, 3000 yen), or in an emergency, etc. When necessary, it can be individually applied to an electronic money company and converted into a “charge amount”.
Thus, in this modification, the amount that can be charged as subsidy is the amount settled at the subscribing member store 3, and the shortage is individually applied. Therefore, it becomes difficult for the user to make a payment at the member store 3 that is not subsidized, and the use of subsidies that are not intended can be suppressed.

Next, a procedure for collecting user transaction information and inputting the charge amount into the subsidy database 53a will be described with reference to the flowchart of FIG.
This process is performed before the date of subsidy issuance, and prepares for subsidy charging.
First, the electronic money server 2 searches the auxiliary target person database 55 and specifies an auxiliary target person whose charge amount is to be calculated (step 220). This specification can be performed, for example, in ascending order of the electronic money function unit ID.

Next, the electronic money server 2 searches the transaction database 54 for the transaction information of the user, and extracts the transaction information at the support target store (step 225).
More specifically, the electronic money server 2 extracts the information for the electronic money function unit ID of the user from the transaction information accumulated up to the present time after calculating the previous charge amount.
Next, the electronic money server 2 further extracts, out of the extracted transaction information, information generated at the member store 3 in which the “subject target classification” is “subject target” in the member store database 56.
Next, the electronic money server 2 further calculates the charge amount by summing the settlement amounts for the extracted transaction information (step 230).

The electronic money server 2 calculates the charge amount as described above, and stores it in the “charge amount” section of the subsidy database 53a (step 235).
Next, the electronic money server 2 checks whether or not all users have been processed in the assistance target person database 55 (that is, whether or not the charge amount has been calculated) (step 240).

When there is a user who has not been calculated yet (step 240; N), the electronic money server 2 returns to step 220 to calculate the charge amount for the user, and thereafter continues the processing for all users. .
On the other hand, when the process is performed for all users (step 240; Y), the electronic money server 2 ends the counting process.

The electronic money system 1 described above includes an ID storage device (such as an electronic money card 6 and a mobile phone 7) that stores ID information (such as an electronic money function unit ID), and the amount of money value associated with the ID. Amount storage device (such as the storage unit 29 and value processing unit 28) that stores data as electronic data, a reading device (such as the electronic money terminal 8) that reads ID information from the ID storage device, and the read ID information The amount change device (value processing unit 28, value processing unit 17, etc.) that increases or decreases the amount stored in the stored amount storage device is used.
The electronic money server 2 divides the reading device into a first group (electronic money terminal 8 installed in a store targeted for assistance) and a second group (electronic money terminal 8 installed in a store not supported for assistance). A storage unit for storing information (member store database 56), a first total amount that is a sum of amounts reduced by the amount change device when the ID information is read by the reading device of the first group, and the second group The total amount acquisition means for acquiring at least one of the second total amount that is the sum of the amounts reduced by the amount change device when the ID information is read by the reading device (the electronic money server 2 is the step of FIG. 8). 60, at least one of the total settlement amount at the sub-target store and the total settlement amount at the non-subsidiary store can be calculated), and the acquired total amount is output. And a total amount output means (the electronic money server 2 can output the total amount to a predetermined file or the like in step 60 of FIG. 8). Yes.

  In addition, the electronic money server 2 acquires the second total amount in the total amount acquisition unit, receives an increase request for the amount stored in the amount storage device, and stores the increase request reception unit (the electronic money server 2 is The amount to be increased from a public institution, that is, the subsidy amount is received and stored in the “subsidy amount” of the subscribing target person database 55), and the total amount output means outputs the second amount output from the amount to be increased by the stored increase request Subtracting means for subtracting the total amount (step 65 in FIG. 8) and notification means for notifying the amount changing device of the subtracted amount (the electronic money server 2 sends the amount subtracted as charge information to the electronic money terminal 8. The electronic money terminal 8 notifies the value processing unit 17 and the storage unit 18 of the amount of money as amount change information).

  Further, in the electronic money server 2 of the first modification, the total amount acquisition unit acquires the first total amount and notifies the amount change device of the first total amount output by the total amount output unit. (In the first modification, the electronic money server 2 notifies the electronic money terminal 8 and the like of the total amount of payment at the subsidized store and charges it).

  Furthermore, in the present embodiment and the first modification, the reading devices classified into the first group are registered as appropriate for settlement with the amount stored in the amount storage device associated with the ID information. The readers that are installed in the stores (subject stores) and are classified into the second group register that the payment with the amount stored in the amount storage device associated with the ID information is not appropriate. Installed in a store (non-subsidized store).

According to the embodiment described above, the following effects can be obtained.
(1) The member store 3 can be classified into a subsidy target store that is appropriate for the use of subsidy and a non-subsidy store that is not appropriate for the use of subsidy.
(2) Among the amounts settled by the user at the member store 3, the amount settled at the non-subsidized store can be grasped.
(3) The amount that can be charged to the electronic money card 6 or the mobile phone 7 without application is set as the settlement amount at the subsidy target store, and the application is required to charge the accumulated amount, so the settlement at the store that is not subject to subsidy by the user Deterrence can be demonstrated.
(4) Appropriate use of subsidies can be promoted by suppressing settlement at stores that are not subject to subsidy by the user.

(Modification 2)
In the present embodiment and the first modification described above, the value is stored in the electronic money card 6 or the mobile phone 7 and increased or decreased. However, the value may be managed by the electronic money server 2. .
FIG. 12 is a diagram for explaining the system configuration of the electronic money system 1 a when the value is managed by the electronic money server 2. In addition, the same code | symbol is attached | subjected to the same component as the electronic money system 1 of FIG.

The electronic money card 6 and the mobile phone 7 store the electronic money function unit ID, and transmit this to the electronic money server 2 via the electronic money terminal 8 and the Internet 4.
The electronic money terminal 8 reads the electronic money function unit ID from the electronic money card 6 or the mobile phone 7 and transmits it to the electronic money server 2 together with the settlement amount and the charge amount input by the person in charge.

The electronic money server 2 includes a value database 72 and a value processing unit 71.
The value database 72 stores values associated with the electronic money function unit IDs of the mobile phone 7 and the electronic money card 6.
The value processing unit 71 receives the electronic money function of the mobile phone 7 from the electronic money terminal 8 (from the mobile phone 7 or the electronic money card 6 when directly communicating with the mobile phone 7 or the electronic money terminal 8 via the Internet 4). The unit ID and the amount to be charged or settled are acquired, and the value stored in the value database 72 is increased or decreased accordingly.
Thus, in the electronic money system 1a, charging and settlement are performed with the value stored in the electronic money server 2.

Further, although not shown, the electronic money server 2 includes a support target person database 55, a member store database 56, a subsidy database 53, a transaction database 54, and the like.
The electronic money server 2 updates the transaction database 54 every time charging or settlement is performed in the value database 72.
Then, the electronic money server 2 collates the transaction database 54 and the subsidy database 53, so that for each electronic money function unit ID, the total settlement amount at the subsidized store and the total settlement amount at the non-subsidized store. As with the embodiment and the first modification, the amount charged to the value database 72 can be determined for each electronic money function unit ID.

  In the embodiment described above, Modification 1 and Modification 2, settlement within the region is performed with the member store 3 in a predetermined area as a target store and the member store 3 outside the region as a target store. It is possible to promote and promote regional development.

It is the figure which showed the network structure of the electronic money system. It is a figure for demonstrating the structure of an electronic money card. It is a figure for demonstrating the structure of a mobile telephone. It is a figure for demonstrating the hardware-like structure of an electronic money server. It is the figure which showed the logical structure of the member store database. It is the figure which showed the logical structure of various databases. It is a flowchart for demonstrating the procedure settled with an electronic money card. It is a flowchart for demonstrating the procedure which inputs the charge amount into a subsidy database. It is a flowchart for demonstrating the procedure which charges a subsidy. It is the figure which showed the logical structure of the subsidy database which concerns on the modification 1. FIG. It is a flowchart for demonstrating the procedure which inputs the charge amount into a subsidy database in the modification 1. It is a figure for demonstrating the system configuration | structure of the modification 2. FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic money system 2 Electronic money server 3 Merchant 4 Internet 5 Base station 6 Electronic money card 7 Mobile phone 8 Electronic money terminal 9 User terminal

Claims (5)

An ID storage device storing ID information;
An amount storage device that is associated with the ID and stores the amount of money as electronic data;
A reading device for reading ID information from the ID storage device;
An amount change device for increasing or decreasing the amount stored in the amount storage device associated with the read ID information;
An information processing apparatus used in an electronic money system configured using
Division storage means for dividing and storing the reading device into a first group and a second group;
A first total amount that is the sum of amounts reduced by the amount change device when the ID information is read by the first group reading device, and the amount when the ID information is read by the second group reading device. A total amount acquisition means for acquiring at least one of a second total amount that is a sum of amounts reduced by the changing device;
A total amount output means for outputting the acquired total amount;
An information processing apparatus comprising: The total amount acquisition means acquires the second total amount,
An increase request receiving means for receiving and storing an increase request for the amount stored in the amount storage device;
Subtracting means for subtracting the second total amount output by the total amount output means from the amount to be increased by the stored increase request;
Notification means for notifying the amount change device of the subtracted amount;
The information processing apparatus according to claim 1, further comprising: The total amount acquisition means acquires the first total amount,
The information processing apparatus according to claim 1, further comprising a notification unit that notifies the amount change device of a first total amount output by the total amount output unit.   The reading devices classified into the first group are installed in stores where payment with the amount stored in the amount storage device associated with the ID information is appropriately registered, and the second group includes The reading device to be classified is installed in a store registered as not appropriate for settlement with an amount stored in an amount storage device associated with the ID information. The information processing device according to claim 2 or claim 3. An ID storage device storing ID information;
An amount storage device that is associated with the ID and stores the amount of money as electronic data;
A reading device for reading ID information from the ID storage device;
An amount change device for increasing or decreasing the amount stored in the amount storage device associated with the read ID information;
An information processing method performed by an information processing apparatus used in an electronic money system configured using
The information processing apparatus includes: a classification storage unit that divides and stores the reading device into a first group and a second group; a total amount acquisition unit; and a total amount output unit.
When the ID information is read by the first group reading device by the total amount acquisition means, the first total amount that is the sum of the amounts reduced by the amount change device, and the ID information by the second group reading device A total amount acquisition step of acquiring at least one of a second total amount that is a sum of amounts reduced by the amount change device when reading
A total amount output step of outputting the acquired total amount by the total amount output means;
An information processing method comprising:

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