JP2008083943A - Electronic money management system and purchase detail information utilization method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money management system aiming at increase in a purchaser's convenience. <P>SOLUTION: An electronic register stores purchase detail information concerning the purchase of an article and a total amount of the purchase of the article, and transmits information of a request for commencement of the settlement including at least the purchase detail information and the total amount to an electronic money management terminal through a reader/writer. The electronic money management terminal subtracts the total amount included in the information of the request for commencement of the settlement from the amount of the electronic money stored in itself, informs the electronic register of the completion of the settlement, and registers the purchase detail information included in the information of a request for commencement of the settlement to a purchase detail database. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an electronic money management system and a purchase specification information utilization method, which are constituted by an electronic register that calculates a total amount of articles purchased by a purchaser, and an electronic money management terminal that stores electronic money information.

By recording electronic money information on an electronic money management terminal such as a mobile phone or an electronic money card, and holding the electronic money management terminal over a reader / writer in the store, NFC (Near) is established between the electronic money management terminal and the reader / writer. A mechanism is used in which electronic money and payment information are transmitted and received by using short-range communication technology such as Field Communication) or non-contact IC card technology, thereby performing electronic payment. In such a technique, the electronic register at the store is connected to the reader / writer, and when the reader / writer detects the completion of the payment process in the electronic money management terminal, the reader / writer notifies the electronic register at the store of the completion of payment. The purchase details are printed and output in the electronic register. A technique related to such a POS system is disclosed in Patent Document 1.
JP 2000-251148 A

  However, in the POS system as described above, since the money information is electronically settled, there is no exchange with the clerk of coins and banknotes, and the purchaser does not have to bring actual money. Since the only processing is information related to money, there has been a demand for a technique for improving the convenience of the purchaser by applying the electronic payment information to various other processing.

  SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide an electronic money management system and a purchase specification information utilization method for the purpose of improving convenience for purchasers.

  In order to achieve the above object, the present invention calculates the total amount of goods purchased by a purchaser and generates purchase details information indicating the details of the goods, and stores information on electronic money and stores the purchaser. An electronic money management terminal carried by the electronic money system, wherein the electronic register is a total of the items to be subtracted from purchase details information relating to the purchase of the item and an amount stored in the electronic money management terminal Purchase details information storage means for storing an amount of money; payment start request information transmission means for transmitting payment start request information including at least the purchase details information and the total amount to the electronic money management terminal via a reader / writer; The electronic money management terminal subtracts the total amount included in the payment start request information from the amount of electronic money stored in the terminal Electronic money management comprising: payment processing means for notifying the electronic register of completion of payment; and purchase details information registration means for registering the purchase details information included in the payment start request information in a purchase details database. System.

  According to the present invention, in the above electronic money management system, the electronic money management terminal displays purchase details information on the screen of the terminal before registering the purchase details information in the purchase details database. And the purchase details information registration means registers the purchase details information in the purchase details database when receiving the confirmation completion information of the purchase details information.

  Also, the present invention provides the electronic money management system, wherein the electronic money management terminal reads the purchase specification information from the purchase specification database, stores each item stored in the purchase specification information, the amount of the item, And tally means for performing tally processing using at least one piece of information of the total amount.

  In the electronic money management system, the present invention further includes another information processing device, and the electronic money management terminal reads the purchase specification information from the purchase specification database and transfers the purchase information to the other information processing device. A purchase detail information transfer means, and the other information processing apparatus performs a tallying process using at least one piece of information stored in the received purchase detail information, the amount of the product, and the total amount Means are provided.

  According to the present invention, in the electronic money management system described above, the electronic money management terminal transmits a browsing request for the results of the aggregation processing in the other information processing apparatus to the other information processing apparatus, and the other information The processing device transmits information on the result of aggregation processing in response to reception of the browsing request to the electronic money management terminal, and the electronic money management terminal displays information on the result of aggregation processing in the other information processing device. It is received and displayed on the screen.

  According to the present invention, in the electronic money management system described above, the electronic register performs a signature process on the purchase specification information using a secret key of a store in which the electronic register is installed, and the signed purchase specification information. And signature processing means for instructing the settlement start request information transmitting means to transmit the certificate information of the store storing the public key of the store to the electronic money management terminal, and the electronic money management terminal The purchase specification information transfer means transfers the signed purchase specification information and the certificate information to the other information processing device, and the other information processing device transmits the signed purchase specification information and the certificate information. The apparatus further comprises a validity determining means for determining the validity of the purchase details information based on the store public key stored in the certificate information.

  The present invention also provides an electronic register that calculates the total amount of goods purchased by the purchaser and generates purchase details information indicating the details of the goods, and an electronic money management terminal that stores electronic money information and is carried by the purchaser The purchase details information use method in the electronic money system having a difference between the purchase details information on the purchase of the electronic register and the amount stored in the electronic money management terminal The electronic money management terminal stores the payment start request information including at least the purchase specification information and the total amount via a reader / writer, and stores the payment start request information transmission means of the electronic register. The payment processing means of the electronic money management terminal transmits the payment start request information from the amount of electronic money stored in the terminal. The total amount included in the electronic money is deducted, the payment is notified to the electronic register, and the purchase details information registration means of the electronic money management terminal registers the purchase details information included in the payment start request information in the purchase details database. This is a method for using purchase details information.

  Further, the present invention provides the above-described purchase details information utilization method, wherein the purchase details information display means of the electronic money management terminal displays the purchase details information on the screen of its own terminal before registering the purchase details information in the purchase details database. And the purchase details information registering means of the electronic money management terminal registers the purchase details information in the purchase details database when receiving the confirmation completion information of the purchase details information. To do.

  Further, according to the present invention, in the above-described purchase specification information utilization method, the counting means of the electronic money management terminal reads the purchase specification information from the purchase specification database, and stores each article stored in the purchase specification information, The tabulation processing is performed using at least one piece of information of the amount of goods and the total amount.

  According to the present invention, in the purchase details information utilization method described above, the electronic money management system has another information processing apparatus, and purchase details information transfer means of the electronic money management terminal receives the purchase details from the purchase details database. The information is read and transferred to the other information processing apparatus, and the totaling means of the other information processing apparatus receives at least one of each article, the price of the article, and the total price stored in the received purchase specification information. A tabulation process is performed using information.

  According to the present invention, in the above-described purchase specification information utilization method, the electronic money management terminal transmits a browsing request for a result of aggregation processing in the other information processing apparatus to the other information processing apparatus, The information processing apparatus transmits information on the result of aggregation processing in response to reception of the browsing request to the electronic money management terminal, and the electronic money management terminal is information on the result of aggregation processing in the other information processing apparatus Is received and displayed on the screen.

  According to the present invention, in the above-described purchase specification information utilization method, the signature processing means of the electronic register performs signature processing of the purchase specification information using a secret key of a store where the electronic register is installed, and the signature Instructing the payment start request information transmitting means to transmit the completed purchase details information and the store certificate information storing the store public key to the electronic money management terminal, and the electronic money management terminal The purchase specification information transfer means transfers the signed purchase specification information and the certificate information to the other information processing apparatus, and the validity determination means of the other information processing apparatus uses the signed purchase. The validity of the purchase details information is determined based on the details information and the public key of the store stored in the certificate information.

  According to the present invention, since the purchase details information is registered in the electronic money management terminal, the purchaser can electronically use the electronic money management terminal 1 without receiving a purchase specification printed on thermal paper or the like by handing. Can receive. Therefore, it is possible to reduce the labor of cashiers by reducing the processing for printing and handing over purchase details, and the processing time per purchaser can be shortened, thereby increasing the speed of cashier processing per person. be able to. Further, since the thermal paper for printing the purchase details is not necessary, the mass consumption of the thermal paper can be reduced and the cost of the store can be reduced.

  Further, according to the present invention, the purchase details information is automatically displayed on the screen before being registered in the electronic money management terminal, so that the purchaser can confirm the product name, the number, etc., entered by the cashier in error. It becomes like this.

  Further, according to the present invention, since the purchase details information is subjected to various processes using the household account book application in another device, the purchaser can purchase the purchase details in the information processing device other than the electronic money management terminal 1 on a PC or the like. It is possible to manage electronic money using information.

  According to the present invention, the purchase details are transmitted to an information processing device such as a server of an application service provider, and the purchaser can use the mobile phone to browse the totaling result based on the purchase details information processed by the information processing device. And using a PC. In other words, since it is possible to receive information using purchase details information, the convenience of the purchaser is improved.

  According to the present invention, the purchase details information is electronically signed, transmitted from the electronic register, and the purchase details information is authenticated by the accounting server (information processing apparatus) of the company using the purchase details information to which the electronic signature is attached. Therefore, when purchase details information is used as a receipt, it can be confirmed whether it is issued at the store stored in the purchase details information, and accounting for fraudulent expense payments at companies, etc. This can be determined when processing is performed.

  Hereinafter, an electronic money management system according to an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a first diagram showing a configuration of an electronic money management system according to the embodiment. In this figure, reference numeral 1 denotes an electronic money management terminal, which is built in, for example, a mobile phone or an electronic money card. Reference numeral 2 denotes a reader / writer device that is installed in a store and transmits / receives information to / from the electronic money management terminal 1 using, for example, NFC technology. The communication here may be non-contact near field communication (for example, NFC, RFID, etc.) or non-contact IC card communication. However, in this embodiment, NFC technology is used in the following. To do. Reference numeral 3 denotes an electronic register which is a terminal such as a POS system.

FIG. 2 is a first diagram illustrating functional blocks of an electronic money management terminal, a reader / writer device, and an electronic register.
As shown in FIG. 2, the electronic money management terminal 1 includes an NFC function unit 11 that transmits and receives information with the reader / writer device 2 and NFC technology, a control unit 12 that controls each processing unit of the electronic money management terminal 1, and usage A usage amount storage unit 13 that stores the amount of permission, a purchase details registration unit 14 that registers information of purchase details received from the reader / writer device 2, a purchase details database (DB) 15 that stores information of purchase details, It has. The electronic money management terminal 1 may include a household account book application processing unit 16.

  In the reader / writer device 2, reference numeral 21 denotes a settlement processing unit that determines to transmit a settlement start request to the electronic money management device based on information received from the electronic register 3. Reference numeral 22 denotes a communication processing unit that transmits and receives information to and from the electronic money management terminal 1 using NFC technology. In the electronic register 3, reference numeral 31 denotes a control unit that controls each processing unit of the electronic register. Reference numeral 32 denotes a storage unit for storing various kinds of information for settlement processing. A communication processing unit 33 transmits / receives information to / from a center server in a reader / writer device or a POS system. Reference numeral 34 denotes a settlement processing unit that performs settlement processing. Reference numeral 35 denotes a signature processing unit that performs signature processing of purchase details information. Then, the cashier in charge registers the amount of the goods purchased by the purchaser in the electronic register 3, and the electronic money management terminal 1 transfers the electronic money from the electronic money management terminal 1 through a process in which the electronic register 3, the reader / writer device 2 and the electronic money management terminal 1 cooperate. The amount is deducted and settlement processing is performed.

FIG. 3 is a diagram showing the data contents of the purchase details information.
When the electronic register 3 accepts an input such as the number of the product that the purchaser wishes to purchase and the number of the product, the electronic register 3 obtains each product name, unit price, price, etc. from the center server, etc., and subtotals, tax amount, The total amount and the like are calculated, and the purchase details information storing the total amount and other information to be output as the purchase details is written in the storage unit 32. Then, the purchase details information is transmitted to the electronic money management terminal 1 via the reader / writer device 2. As shown in FIG. 2, the data contents of the purchase details information are store name, branch name, store phone number, purchase date and time, cashier name, cashier number, slip number, number of purchased items, subtotal, tax amount, taxable amount , Total, payment method (cash or credit), product name, product unit price, number of purchases, price for the number of products, etc.

FIG. 4 is a first diagram showing a processing flow of the electronic money management system.
First, when the cashier in charge of the electronic register 3 completes the input of the purchase product of the purchaser and receives an instruction for the settlement process (step S1), the settlement processing unit 34 centers each product name, unit price, price, etc. The purchase details information acquired from the server and the like, the subtotal, the tax amount, the total amount, etc. are calculated and stored together with other information to be output as the purchase details (step S2). Then, the settlement processing unit 34 writes purchase details information in the storage unit 32. Next, the settlement processing unit 34 transmits the purchase details information and the total amount to the reader / writer device 2 (step S3). When the reader / writer device 2 receives the purchase details information and the total amount, the settlement processing unit 21 temporarily stores the received information in a memory or the like. And based on the instruction | indication of the payment process part 21, the communication process part 22 transmits a waiting signal (step S4).

  Next, when the purchaser holds the electronic money management terminal 1 such as a mobile phone or an electronic money card over the reader / writer device 2, the NFC function unit 11 of the electronic money management terminal 1 sends a holding wait signal transmitted from the reader / writer device 2. Is received (step S5). Then, the NFC function unit 11 transmits a capture signal to the reader / writer device 2 based on reception of the holding waiting signal (step S6). When the communication processing unit 22 of the reader / writer device 2 receives the capture signal transmitted from the reader / writer device 2, the settlement processing unit 21 that receives the notification of the reception of the signal receives the electronic money management terminal 1 from the reader / writer device 2. The purchase details information and the total amount that are temporarily recorded in the memory or the like are detected, the communication processing unit 22 is instructed to transmit a settlement start request signal storing these information, and communication processing is performed. The unit 22 transmits a settlement start request signal (step S7).

  Next, when the NFC function unit 11 of the electronic money management terminal 1 receives the settlement start request signal (step S8), the signal is notified to the control unit 12. The control unit 12 extracts the purchase details information and the total amount from the settlement start request signal, and subtracts the total amount from the amount of electronic money recorded in advance in the use permission amount storage unit 13 and records it in the use permission amount storage unit 13. A settlement process is performed to update the information of the amount of electronic money that has been made (step S9). When the settlement process is completed, the control unit 12 instructs the NFC function unit 11 to transmit a settlement completion signal, and the NFC function unit 11 transmits a settlement completion signal to the reader / writer device 2 (step S10). Further, the control unit 12 notifies the purchase details registration unit 14 of the purchase details information, and the purchase details registration unit 14 performs a process of registering in the purchase details DB 15 (step S11). As a result, the purchase details information is registered in the purchase details DB 15, so that the purchaser can receive electronically at the electronic money management terminal 1 without receiving the purchase details printed on thermal paper or the like by hand. Therefore, it is possible to reduce the labor of cashiers by reducing the processing for printing and handing over purchase details, and the processing time per purchaser can be shortened, thereby increasing the speed of cashier processing per person. be able to. Further, since the thermal paper for printing the purchase details is not necessary, the mass consumption of the thermal paper can be reduced and the cost of the store can be reduced.

  In the reader / writer device 2, when the communication processing unit receives the payment completion signal (step S12), the payment processing unit 21 notifies the electronic register 3 of the payment completion (step S13). Thereby, the settlement processing unit 34 of the electronic register detects the completion of the settlement, and displays information indicating that the settlement is completed on, for example, the liquid crystal screen of the electronic register 3 (step S14). As a result, a series of settlement processes is completed.

  For example, when the electronic money management terminal 1 is stored in a mobile phone or the like and functions, the control unit 12 of the electronic money management terminal 1 may display purchase details information on the screen of the mobile phone. In that case, after the purchase details information is displayed, the control unit 12 receives input of confirmation completion information from the user, and instructs the purchase details registration unit 14 to register the purchase details information after the detection. As a result, the purchaser can check the product name, number, etc., entered by the cashier in charge.

  Further, when the electronic money management terminal 1 has a function of household account book application processing, the household account book application processing unit 16 that performs the processing reads the purchase detail information stored in the purchase detail DB 15 and purchase details information The totaling process may be performed using at least one piece of information stored in each item, the amount of the item, and the total amount. For example, the total amount is read from purchase details information accumulated in the past, the total is calculated and managed, and the remaining amount up to the electronic money usage limit is calculated. The electronic money management terminal 1 records the monthly electronic money usage limit and the total amount of used electronic money. The total amount received in the settlement start request and the total amount of used electronic money The control unit 12 determines whether or not the value obtained by adding the amount exceeds the usage limit amount of electronic money for one month, and if it exceeds, You may make it notify transmission to the NFC function part 11. FIG. In this case, since the usage limit is exceeded, information to that effect is displayed on the electronic register 3.

  Further, when the electronic money management terminal 1 functions by being stored in a mobile phone or the like, the control unit 12 receives an instruction for a request for transferring purchase details information to another information processing apparatus, and the control unit 12 stores it in the purchase details DB 15. The purchase details information may be read and transferred to another information processing apparatus by e-mail transmission, HTTP access transmission, or transmission using NFC technology. Here, the other information processing apparatus is, for example, a PC (Personal Computer) owned by the purchaser or a server of an application service provider.

  In the example of FIG. 4, the payment process is performed in the electronic money management terminal 1, but the payment process by cash payment or the like is first completed in the electronic register 3, and only the purchase details information is stored in the electronic money management terminal. 1 may be registered in the electronic money management terminal 1.

FIG. 5 is a second diagram showing the configuration of the electronic money management system.
FIG. 5 shows an example in which the electronic money management system newly includes another information processing apparatus 4 in addition to the configuration of FIG. The information processing apparatus 4 is, for example, a PC owned by the purchaser at home.

FIG. 6 is a second diagram showing functional blocks of the electronic money management terminal, reader / writer device, and electronic register.
When the configuration of the electronic money management system as shown in FIG. 5 is adopted, the electronic money management terminal 1 is newly provided with a communication processing unit 10 as shown in FIG. The information processing device 4 includes a communication processing unit 40 that transmits / receives information to / from the electronic money management terminal 1, a control unit 42 that controls the information processing device 4, and a household account book application processing unit that performs processing using purchase details information. 42 is provided. In such an electronic money management system, the electronic money management terminal 1 transmits purchase details information to the information processing apparatus 4 using a communication network or NFC technology based on an instruction from a purchaser (user). Then, in the information processing apparatus 4, the household account book application processing unit 42 reads the purchase details information stored in the purchase details DB 15, and at least one of each item stored in the purchase details information, the amount of the item, and the total amount Aggregation processing is performed using one piece of information. Thereby, the purchaser can manage electronic money using the purchase details information in an information processing apparatus other than the electronic money management terminal 1 on a PC or the like.

FIG. 7 is a third diagram showing the configuration of the electronic money management system.
FIG. 7 shows an example in which the electronic money management system newly includes another information processing apparatus 4 in addition to the configuration of FIG. The information processing apparatus 4 is, for example, a server owned by an application service provider.

FIG. 8 is a third diagram showing functional blocks of the electronic money management terminal, reader / writer device, and electronic register.
When the configuration of the electronic money management system as shown in FIG. 7 is adopted, as shown in FIG. 8, the information processing apparatus 4 includes a communication processing unit 40, a control unit 41, a household account book application processing unit 42, and a totaling result output unit 43. And are provided. 7 and 8 show examples in which the electronic money management system has the purchaser's PC 5. In FIG. 8, the totaling result output unit 43 of the information processing apparatus 4 performs processing for distributing the result of the totaling processing performed by the household account book application processing unit 42 to the purchaser's PC.

  In such an electronic money management system, the electronic money management terminal 1 transmits purchase details information to the information processing apparatus 4 via a communication network based on an instruction from a purchaser (user). Then, the information processing device 4 of the application service provider reads the purchase details information stored in the purchase details DB 15 by the processing of the household account book application processing unit 42, and each item stored in the purchase details information and the amount of the goods The aggregation process is performed using at least one piece of information of the total amount. Then, the purchaser accesses the information processing apparatus 4 using a mobile phone or the like having the functions of the PC 5 or the electronic money management terminal 1 and transmits a browsing request for the total result. Then, the counting result output unit 43 of the information processing device 4 reads the counting result information from a database or the like and transmits it to the PC 5 or the mobile phone. Thereby, the purchaser can browse the browsing service of the counting result provided by the application service provider using the PC 5 or the mobile phone.

FIG. 9 is a fourth diagram showing the configuration of the electronic money management system.
9 shows an example in which the electronic money management system newly has another information processing apparatus 4 in addition to the configuration of FIG. The information processing apparatus 6 is a computer of a company to which the purchaser belongs, for example.

FIG. 10 is a fourth diagram showing functional blocks of the electronic money management terminal, reader / writer device, and electronic register.
When the configuration of the electronic money management system as shown in FIG. 9 is adopted, as shown in FIG. 10, the information processing apparatus 6 (company computer) includes a communication processing unit 60, a control unit 61, an accounting application processing unit 62, an authentication. And a processing unit 63. In FIG. 10, the accounting application processing unit 62 of the information processing apparatus 6 performs company accounting processing. Further, the authentication processing unit 63 of the information processing apparatus 6 performs processing for authenticating the purchase details information that has been signed.

FIG. 11 is a second diagram showing a processing flow of the electronic money management system.
In the electronic money management system as shown in FIGS. 9 and 10, the purchase details information is signed and transmitted from the electronic register 3 to the electronic money management terminal 1 and from the electronic money management terminal 1 to the information processing apparatus 6. First, when a purchase specification is transmitted to the electronic money management terminal 1 via the reader / writer device 2, the signature processing unit 35 of the electronic register 3 calculates a hash value of the purchase specification information (step S201), and the hash The signature information is generated by encrypting the value with the secret key (step S202). Then, the signature processing unit 35 is a settlement processing unit that stores the signed purchase details information storing the electronic certificate of the store where the electronic register 3 is stored in advance in the memory or the like, and the generated purchase details information and signature information. 34, the settlement processing unit 34 transmits the signed purchase specification information and the total amount of the purchased product to the reader / writer device 2 (step S203). Then, the settlement processing unit 21 of the reader / writer device 2 transmits a settlement start request signal storing the signed purchase details information and the total amount to the electronic money management terminal 1 (step S204). Stores the signed purchase details and the total amount (step S205). Thereafter, it is assumed that the electronic money management terminal 1 performs the settlement processing as shown in steps S8 to S11 in FIG. 4 based on the reception of the settlement start request signal.

  In such a situation, for example, the purchaser later registers the signed purchase details information stored in the electronic money management terminal 1 in the information processing apparatus 6 which is an accounting computer of the company, for example, instead of the receipt. At this time, the purchaser operates the electronic money management terminal 1 to access the information processing apparatus 6. When the electronic money management terminal 1 accepts an instruction to send signed purchase details information (step S206), the control unit 12 reads the signed purchase details information stored in the purchase details DB and sends a transmission instruction to the communication processing unit 10. Do. Then, the communication processing unit 10 transmits the signed purchase details information to the information processing apparatus 6 (step S207).

  When the information processing apparatus 6 receives the signed purchase specification information, the information processing device 6 transfers the signed purchase specification information to the authentication processing unit 63. Next, the authentication processing unit 63 reads the purchase details information, the signature information, and the electronic certificate from the signed purchase details information. Then, as a verification of whether or not the electronic certificate has been issued by a regular certificate authority, the validity period of the digital certificate is confirmed, and if it has been issued by a regular certificate authority and has not expired, The electronic certificate is approved (step S208). Whether or not the electronic certificate has been issued by a regular certificate authority is inquired of the server of the certificate authority or using the certificate authority's electronic certificate held in advance. Then, the signature information is decrypted using the public key stored in the electronic certificate (step S209). Also, the authentication processing unit 63 calculates a hash value of the purchase details information (step S210), and compares the hash value with a value obtained by decrypting the signature information (a hash value calculated by the electronic register 3) to determine whether or not they match. Is determined (step S211). The algorithm in the electronic register 3 that calculates the hash value using the purchase details information and the algorithm that calculates the hash value of the purchase details information in the information processing device 6 are the same. If the hash values match, the authentication processing unit 63 approves the purchase details information issued at the store recorded in the purchase specification (step S212), and the approval result is sent to the accounting application processing unit 62. (Step S213). The accounting application processing unit 62 stores the purchase details information as a receipt and uses it for later accounting processing (step S213). As a result, it is possible to confirm whether or not the purchase details information used as a receipt is issued at the store stored in the purchase details information. Judgment can be made.

  As one of the means for preventing unauthorized processing of receipts, the electronic register 3 is sent from the electronic money management terminal 1 to the electronic money management terminal 1 before transmitting the signed purchase details information from the electronic register 3 to the electronic money management terminal 1. The electronic money management terminal that has performed the purchase process can be identified by generating the signed purchase details information including the identification data and transmitting the identification data to the electronic money management terminal 1. Only receipts processed for purchase at the money management terminal can be validated. Alternatively, when the electronic money management terminal 1 receives the signed purchase details information from the electronic register 3, the signed purchase details information and the like are further included in the signature processing including the identification data of the electronic money management terminal 1 itself. The receipt processed by the electronic money management terminal 1 can be confirmed by processing the data using the encryption key of the electronic money management terminal 1 registered in advance by the information processing apparatus 6 that submits this data.

  The fraud in which the same receipt data is copied and used as another receipt can be detected by a combination of an issuer number and a slip number. Alternatively, since there are not a plurality of receipts at the same time, it is possible to make a judgment based on the combination of the issuing store name and the purchase date / time data recorded to the unit of seconds or less, and it is desirable to make a reliable time stamp .

  Each device or terminal in the electronic money management system described so far has a computer system therein. The process described above is stored in a computer-readable recording medium in the form of a program, and the above process is performed by the computer reading and executing this program. Here, the computer-readable recording medium means a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, or the like. Alternatively, the computer program may be distributed to the computer via a communication line, and the computer that has received the distribution may execute the program.

  The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

It is a 1st figure which shows the structure of an electronic money management system. It is a 1st figure which shows the functional block of an electronic money management terminal, a reader / writer apparatus, and an electronic register. It is a figure which shows the data content of purchase details information. It is a 1st figure which shows the processing flow of an electronic money management system. It is a 2nd figure which shows the structure of an electronic money management system. It is a 2nd figure which shows the functional block of an electronic money management terminal, a reader / writer apparatus, and an electronic register. It is a 3rd figure which shows the structure of an electronic money management system. It is a 3rd figure which shows the functional block of an electronic money management terminal, a reader / writer apparatus, and an electronic register. It is a 4th figure which shows the structure of an electronic money management system. It is a 4th figure which shows the functional block of an electronic money management terminal, a reader / writer apparatus, and an electronic register. It is a 2nd figure which shows the processing flow of an electronic money management system.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Electronic money management terminal 2 ... Reader / writer apparatus 3 ... Electronic register 4 ... Information processing apparatus 5 ... PC

Claims (12)

An electronic register that calculates the total amount of goods purchased by the purchaser and generates purchase details information indicating the details of the goods, and an electronic money management terminal that stores electronic money information and is carried by the purchaser A money system,
The electronic register is
Purchase details information storage means for storing purchase details information relating to the purchase of an item and the total amount of the item to be subtracted from the amount stored in the electronic money management terminal;
Payment start request information transmitting means for transmitting payment start request information including at least the purchase details information and the total amount to the electronic money management terminal via a reader / writer, and
The electronic money management terminal is
Payment processing means for subtracting the total amount included in the payment start request information from the amount of electronic money stored in the terminal, and notifying the electronic register of payment completion;
An electronic money management system comprising: purchase details information registration means for registering the purchase details information included in the settlement start request information in a purchase details database. The electronic money management terminal is
Purchase details information display means for displaying the purchase details information on the screen of the terminal before registering the purchase details information in the purchase details database;
2. The electronic money management according to claim 1, wherein the purchase details information registration means registers the purchase details information in a purchase details database when receiving the input of the confirmation completion of the purchase details information. system. The electronic money management terminal is
A tally unit that reads the purchase details information from the purchase details database and performs a tally process using at least one piece of information stored in the purchase details information, the amount of the goods, and the total amount;
The electronic money management system according to claim 2, further comprising: Having other information processing devices,
The electronic money management terminal comprises purchase details information transfer means for reading the purchase details information from the purchase details database and transferring the information to the other information processing apparatus;
The said other information processing apparatus is provided with the total means which performs a total process using at least 1 information of each goods stored in the received purchase specification information, the price of the said goods, and a total price. Item 4. The electronic money management system according to Item 1. The electronic money management terminal transmits a browsing request for the result of aggregation processing in the other information processing apparatus to the other information processing apparatus,
The other information processing apparatus transmits information on the result of aggregation processing in response to reception of the browsing request to the electronic money management terminal,
5. The electronic money management system according to claim 4, wherein the electronic money management terminal receives information on a result of aggregation processing in the other information processing apparatus and displays the information on a screen. The electronic register uses the private key of the store where the electronic register is installed to sign the purchase specification information, and stores the signed purchase specification information and the store's public key. Signature processing means for instructing the settlement start request information transmitting means to transmit the certificate information to the electronic money management terminal,
The purchase details information transfer means of the electronic money management terminal transfers the signed purchase details information and the certificate information to the other information processing apparatus,
Validity determination means for the other information processing apparatus to determine the validity of the purchase specification information based on the signed purchase specification information and the public key of the store stored in the certificate information. The electronic money management system according to claim 1, further comprising: An electronic register that calculates the total amount of goods purchased by the purchaser and generates purchase details information indicating the details of the goods, and an electronic money management terminal that stores electronic money information and is carried by the purchaser A method for using purchase details information in a money system,
The purchase details information storage means of the electronic register stores purchase details information related to the purchase of items and the total amount of the items to be subtracted from the amount stored in the electronic money management terminal,
Payment start request information transmitting means of the electronic register transmits payment start request information including at least the purchase details information and the total amount to the electronic money management terminal via a reader / writer,
The payment processing means of the electronic money management terminal subtracts the total amount included in the payment start request information from the amount of electronic money stored in the terminal, and notifies the electronic register of payment completion,
The purchase details information utilization method, wherein the purchase details information registration means of the electronic money management terminal registers the purchase details information included in the settlement start request information in a purchase details database. The purchase details information display means of the electronic money management terminal displays the purchase details information on the screen of the own terminal before registering the purchase details information in the purchase details database,
The purchase details information registration means of the electronic money management terminal registers the purchase details information in the purchase details database when receiving the confirmation completion information of the purchase details information. How to use purchase details information described in 1. The counting means of the electronic money management terminal reads the purchase details information from the purchase details database, and uses at least one information of each item, the amount of the item, and the total amount stored in the purchase details information. The tabulation processing is performed. The method of using purchase details information according to claim 7. The electronic money management system has another information processing device,
The purchase details information transfer means of the electronic money management terminal reads the purchase details information from the purchase details database, transfers the information to the other information processing apparatus,
The tabulation unit of the other information processing apparatus performs tabulation processing using at least one information of each article, the amount of the article, and the total amount stored in the received purchase specification information. 7. Purchase method information use method according to 7. The electronic money management terminal transmits a browsing request for the result of aggregation processing in the other information processing apparatus to the other information processing apparatus,
The other information processing apparatus transmits information on the result of aggregation processing in response to reception of the browsing request to the electronic money management terminal,
The method of using purchase details information according to claim 10, wherein the electronic money management terminal receives information on the result of the aggregation processing in the other information processing apparatus and displays the information on a screen. The signature processing means of the electronic register performs signature processing on the purchase specification information using a secret key of the store where the electronic register is installed, and stores the signed purchase specification information and the public key of the store Instructing the payment start request information transmitting means to transmit the certificate information of the store to the electronic money management terminal,
The purchase details information transfer means of the electronic money management terminal transfers the signed purchase details information and the certificate information to the other information processing apparatus,
The validity determination unit of the other information processing apparatus determines the validity of the purchase specification information based on the signed purchase specification information and the public key of the store stored in the certificate information. The method of using purchase details information according to claim 7.

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