JP2008139953A - Apparatus and method for transmitting money amount changing information - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To quickly deal with even when there is insufficient balance of an electronic money card. <P>SOLUTION: An electronic money card 6 has a first electronic money function unit 52 and a second electronic money function unit 62 functioning as the electronic money card. A first value balance is stored in the first function unit 52, and a second value balance is stored in the second function unit 62. A first type electronic money terminal 9 can access only the first function unit 52 in making payment, and when there is insufficient balance of the first value balance, stops processing of making payment. Meanwhile, a second type electronic money terminal 8 can access the first and second function units 52, 62 in making payment, and makes payment for a shortage by the use of the second value balance when there is insufficient balance of the first value balance. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a money amount change information transmission apparatus and a money amount change information transmission method, and relates to, for example, one that circulates electronic money.

With the spread of electronic money in recent years, commercial transactions using electronic money have been actively conducted.
Commercial transactions using electronic money are carried out by manipulating electronic data having an exchange value equivalent to money called value and transferring value.

The value is electronic data representing the amount of money, and is written in an electronic money card or the like with a built-in IC chip.
Then, an electronic money card is accessed from an electronic money terminal installed in a store or the like, and payment can be made by reducing the amount of value stored in the IC chip.
It is also possible to increase the amount of value stored in the IC chip by accessing the electronic money card from the electronic money terminal. The process of increasing the amount is called charging.
In the case of charging, the value and the currency are matched by collecting money corresponding to the amount charged from the user of the electronic money card.

A store that has an electronic money terminal and can be settled with electronic money is called a member store, but if the member store is a retail store such as a convenience store, the member store will, for example, make a payment with an electronic money terminal at the accounting location. In the case of industries that allow customers to enter, such as exhibition halls, concert halls, amusement parks, toll roads, and railways, electronic money terminals are installed at the passing gates.
When an electronic money terminal is installed at the passing gate, the user performs settlement by holding the electronic money card over the electronic money terminal when passing.
For example, the pass gate includes a door, and when the value balance is insufficient at the time of settlement, the door is closed to notify the user of the shortage of the balance.

As described above, as a technique for performing payment using the value stored in the electronic money card, for example, there is the following service providing method. This technology pays a price for a service using a value stored in advance in an IC card.
JP 2000-250994 A

If the balance stored in the electronic money card is less than the payment amount, the user needs to settle the difference.
In retail stores and the like, the person in charge handles electronic money terminals, so even if there is a shortage of balance in the electronic money card, it is possible to respond quickly and there is no particular problem.
However, when making payments at a passing gate, etc., customers must pass through one after another quickly, and if the gate door closes due to a lack of electronic money balance, the customer's line will be disturbed. This has had an impact on customer convenience, such as inconvenience to customers who are tight in time.

  Therefore, an object of the present invention is to process promptly even when a shortage of balance of an electronic money card occurs.

In order to achieve the above object, according to the first aspect of the present invention, in the first aspect of the present invention, a first amount storage unit storing a first amount, and a second amount storage unit storing a second amount , A first money amount change information for the money terminal to change the first money amount, and a second money amount for the money terminal to change the second money amount. A change amount information transmitting device for transmitting change information, a payment amount acquisition means for acquiring a payment amount for payment at the money terminal, and a first amount acquisition means for acquiring a first amount from the money terminal. When the acquired payment amount is equal to or less than the acquired first amount, first amount change information for reducing the payment amount is transmitted to the money terminal, and the acquired payment amount is the acquired first amount. Is larger than the amount stored in the amount storage means Amount of money characterized in that it includes first amount change information in which the total amount to be reduced becomes the settlement amount and second amount change information and amount change information transmitting means for transmitting to the money terminal. A change information transmission device is provided.
In the invention according to claim 2, when the amount change information transmitting unit transmits the first amount change information and the second amount change information, the first amount change information is: The amount change information transmitting device according to claim 1, wherein amount change information for reducing the first amount is transmitted.
According to a third aspect of the present invention, there is provided second amount acquisition means for acquiring a second amount from the money terminal, wherein the amount change information transmitting device is configured to acquire the acquired first amount and second amount. The amount according to claim 1 or 2, wherein the first amount information and the second amount change information are not transmitted when the total amount is less than the acquired settlement amount. A change information transmission device is provided.
In the invention according to claim 4, the second amount acquired by acquiring the second amount from the second amount storage means and the second amount storage means for acquiring the increased amount to be increased to the money terminal. And a difference amount calculating means for calculating a difference from a predetermined upper limit corresponding to the second amount storage means, and the amount change information transmitting means for increasing the amount of the calculated difference. The amount change information and first amount change information for increasing the amount of difference between the calculated difference and the acquired amount of increase are transmitted to the money terminal. A money amount change information transmission device according to claim 2 or claim 3 is provided.
In the invention according to claim 5, the money is provided to a money terminal comprising a first amount storage means storing a first amount and a second amount storage means storing a second amount. Amount change information transmitting apparatus for transmitting first amount change information for the terminal to change the first amount and second amount change information for the money terminal to change the second amount. The amount change information transmitting method includes: a settlement amount acquisition unit, a first amount acquisition unit, and an amount change information transmission unit, wherein the settlement amount acquisition unit includes: A payment amount acquisition step of acquiring a payment amount to be settled at the money terminal; a first amount acquisition step of acquiring a first amount from the money terminal by the first amount acquisition means; and transmission of the amount change information. The acquired settlement amount is If it is equal to or less than the obtained first amount, the first amount change information for reducing the settlement amount is transmitted to the money terminal, and the obtained settlement amount is stored in the obtained first amount storage means. The amount change information transmitting step of transmitting to the money terminal, the first amount change information in which the total amount to be reduced is the settlement amount, and the second amount change information. An amount change information transmission method characterized by the above is provided.

  According to the present invention, it is possible to quickly process even if a shortage of the balance of the electronic money card occurs by making a payment with a reserve value stored in advance when the balance is short.

(1) Outline of Embodiment FIG. 1 is a diagram for explaining the outline of the present embodiment.
The electronic money card 6 includes a first electronic money function unit 52 and a second electronic money function unit 62 that function as an electronic money card.
The first electronic money function unit 52 stores a value used for settlement processing at a retail store or the like as a first value balance, and the second electronic money function unit 62 has a shortage of balance at a pass gate or the like. An auxiliary value for settlement of the shortage is stored as the second value balance.

On the other hand, the electronic money terminal that accesses and settles the electronic money card 6 includes a first type electronic money terminal 9 installed at a retail store and a second type electronic money terminal 8 installed at a passing gate. To do.
The first type electronic money terminal 9 can access only the first electronic money function unit 52 at the time of payment, and when the balance is insufficient in the first value balance, the payment processing is stopped.
On the other hand, the second type electronic money terminal 8 can access the first electronic money function unit 52 and the second electronic money function unit 62 at the time of settlement, and if the balance of the first value balance is insufficient, Is settled using the second value balance.

On the other hand, when charging the electronic money card 6, both the first type electronic money terminal 9 and the second type electronic money terminal 8 access the first electronic money function unit 52 and the second electronic money function unit 62. If the second value balance has not reached the balance upper limit value (that is, after the shortage of the first value balance is settled), first, the second electronic money function unit 62 is charged up to the upper limit value. To the first electronic money function unit 52.
In this way, the second value balance is not used when the necessity is low, such as settlement at a retail store, and is retained so as to be able to cope with cases where there is a high necessity such as settlement when the balance is insufficient at the gate. The

(2) Details of Embodiment FIG. 2 is a diagram for explaining the system configuration of the present embodiment.
The electronic money system 1 of the present embodiment is configured using an electronic money server 2, a first type electronic money terminal 9, a second type electronic money terminal 8, an electronic money card 6, and the like.
The first type electronic money terminal 9 is installed, for example, in a member store that does not require a rapid response to the shortage of the balance of the electronic money card 6 such as a retail store.
The first type electronic money terminal 9 can be connected to the electronic money server 2 via a network. For example, the usage log data in which the processing content with the electronic money card 6 is recorded once a day is stored in the electronic money server 2. Send to.

The second type electronic money terminal 8 is installed in a member store that requires quick response to the shortage of the balance of the electronic money card 6 such as a passing gate in a concert venue, for example.
The second type electronic money terminal 8 can be connected to the electronic money server 2 via a network. For example, the usage log data in which processing contents with the electronic money card 6 are recorded about once a day is used as the electronic money server 2. Send to. Although only one retail store and one venue are shown in the figure, there are a plurality of such stores.
In the following, the first type electronic money terminal 9 and the second type electronic money terminal 8 are simply referred to as electronic money terminals unless otherwise distinguished.

FIG. 3 is a block diagram showing an example of a hardware configuration of the electronic money card 6.
The electronic money card 6 includes 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. ing.
These elements are formed on an IC chip. 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 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 of the electronic money terminal.
The antenna 26 generates power for driving the IC chip 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 a readable / writable 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.

The EEPROM 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.
In the EEPROM 25, a first electronic money area 51 and a second electronic money area 61 are formed.
The first electronic money area 51 stores a first electronic money processing program for causing the electronic money card 6 to perform a function of processing the first value balance, a first functional unit ID (described later), a first value balance, and the like. A first electronic money storage unit 55 is formed.

In the second electronic money area 61, a second electronic money processing program for causing the electronic money card 6 to perform a function of processing the second value balance, a second functional unit ID (described later), a second value balance, and the like are stored. A stored second electronic money storage unit 65 is formed.
Here, the value recorded as the first value balance and the second value balance can be accompanied by an attribute for identifying the investment business entity. In this case, the value is recorded in the first value balance and the second value balance. The attribute of value may be the same or different.
Further, since the point also has an exchange value, it can be included in the concept of value. For example, it is possible to store the value as the first value balance and store the point as the second value balance.
When processing the first value balance, the electronic money terminal transmits a command to the CPU 21 to start the first electronic money program, and when processing the second value, the electronic money terminal starts the second electronic money program. ing.
In the present embodiment, the electronic money card 6 is configured by a non-contact type IC card, but the electronic money card 6 may be configured by using a contact type IC card.

FIG. 4 is a diagram schematically showing the first electronic money function unit 52 and the second electronic money function unit 62 formed on the electronic money card 6.
The first electronic money function unit 52 is configured by the CPU 21 executing the first electronic money program in response to a command from the electronic money terminal, and the second electronic money function unit 62 is configured to cause the CPU 21 to execute the second electronic money in response to a command from the electronic money terminal. It is configured by executing a money program.
In the present embodiment, the CPU 21 alternatively executes the first electronic money program and the second electronic money program according to a command from the electronic money terminal, but may be configured to execute these simultaneously. is there.

First, the first electronic money function unit 52 will be described.
The first electronic money storage unit 55 (first amount storage unit) is formed in the first electronic money area 51 (FIG. 3) of the EEPROM 25, and includes a first functional unit ID, a first value balance, and a usage log (not shown). Data is stored.
The first function unit ID is ID information uniquely assigned to the first electronic money function unit 52, whereby the electronic money system 1 can specify the electronic money card 6 and the first electronic money function unit 52.

The first value balance (first amount) is the balance of the value currently stored in the first electronic money function unit 52, and the first electronic money function unit 52 has a settlement capacity corresponding to this balance. Become.
Normally, the electronic money card 6 is issued to the user with the first value balance being 0 yen, and the user pays the price and charges the electronic money terminal. In addition, an upper limit is determined for the first value balance, and the electronic money terminal charges within the upper limit.
The usage log data is log data in which processing details of communication with the electronic money terminal are recorded.

The first terminal communication unit 53 receives the money amount change information and other commands from the reader / writer unit of the electronic money terminal and inputs them to the first value processing unit 54. Mediate communication.
The first value processing unit 54 is an information processing unit that executes a command.
The commands include amount change information (consisting of an overwrite command, an addition command, a subtraction command, etc. described later), an ID reference command, a balance reference command, and the like.

  The amount change information is obtained by causing the first value processing unit 54 to increase or decrease the value balance stored in the first electronic money storage unit 55 by the amount specified in the amount change information, and use the processing history as the usage log data. For example, an addition command, a subtraction command, an overwrite command, and the like described below.

The addition command is a command for causing the first value processing unit 54 to increase the amount stored in the first electronic money storage unit 55 by the amount specified by the parameter accompanying the addition command.
On the other hand, the subtraction command is a command for causing the first value processing unit 54 to reduce the amount stored in the first electronic money storage unit 55 by the amount specified by the parameter accompanying the subtraction command.
For example, when the value balance stored in the first electronic money storage unit 55 is 5000 yen and the settlement amount is 1000 yen, the electronic money terminal generates a subtraction command for reducing 1000 yen and sends it to the first terminal communication unit 53. Send. Then, the first value processing unit 54 executes this subtraction command and updates the balance of the value stored in the first electronic money storage unit 55 to 5000 yen-1000 yen = 4000 yen.

The overwrite command is a command for causing the first value processing unit 54 to overwrite the amount stored in the first electronic money storage unit 55 with the amount specified by the parameter accompanying the overwrite command.
When the overwrite command is used as the amount change information, the electronic money terminal calculates the value balance after addition / subtraction, and causes the first value processing unit 54 to overwrite the value balance in the first electronic money storage unit 55 with this amount.
For example, consider a case where the value balance stored in the first electronic money storage unit 55 is 5000 yen and the settlement amount is 1000 yen.
The electronic money terminal 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 generates an overwrite command for overwriting the value balance to 4000 yen and transmits it to the first terminal communication unit 53. Then, the first value processing unit 54 executes this overwrite command, and updates the balance of the value stored in the first electronic money storage unit 55 to 4000 yen.

The electronic money terminal may be configured to use the addition / subtraction command described above, or may be configured to use an overwrite command.
Alternatively, an addition / subtraction command and an overwrite command can be combined.
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.

The ID reference command is a command for causing the first value processing unit 54 to read the first function unit ID. The first value processing unit 54 receives the ID reference command from the first electronic money storage unit 55. The first function unit ID is read and output.
The balance reference command is a command for causing the first value processing unit 54 to read the value balance. When the balance reference command is input, the first value processing unit 54 reads the value balance from the first electronic money storage unit 55. Output.

The configuration of the second electronic money function unit 62 is basically the same as that of the first electronic money function unit 52.
The second terminal communication unit 63 performs wireless communication with the electronic money terminal and mediates communication between the electronic money terminal and the second value processing unit 64.
The second value processing unit 64 processes a command from the electronic money terminal, increases or decreases the second value balance stored in the second electronic money storage unit 65, and reads the second value balance and the second function unit ID. Or

The second electronic money storage unit 65 (second amount storage unit) includes a second functional unit ID and a second electronic money functional unit that the electronic money system 1 and the like specify the electronic money card 6 and the second electronic money functional unit 62. A second value balance (second amount) 62 is a balance that can be settled, usage log data (not shown), and the like are stored.
Note that an upper limit value is determined for the second value balance. For example, the electronic money card 6 is sold to the user with the value charged to the upper limit value. When such a business form is employed, the amount charged as the second value balance can be included in the selling price of the electronic money card 6.
Further, when charging the second electronic money storage unit 65, the electronic money terminal charges within the upper limit value of the second value balance.

In the present embodiment, the electronic money terminal is charged so that the first value balance and the second value balance stored in the first electronic money storage unit 55 and the second electronic money storage unit 65 do not exceed the upper limit values. Although managed, the electronic money card 6 may be configured to perform such management.
That is, when the electronic money terminal manages the upper limit value, it is determined whether the total value of the amount charged by the electronic money terminal and the value balance exceeds the upper limit value, and if it exceeds the upper limit value, an alarm is issued. However, if the electronic money card 6 manages, if the sum of the amount to be charged and the balance exceeds the upper limit, the electronic money card 6 issues an alarm to the electronic money terminal and stops the charging process. Let

FIG. 5 is a diagram showing an example of a hardware configuration of the second type electronic money terminal 8.
The second type electronic money terminal 8 is configured by connecting a CPU 31, a ROM 33, a RAM 34, a communication control unit 35, a storage unit 36, an input unit 37, an output unit 38, a reader / writer unit 39, etc. via a bus line. It functions as a change information transmission device.

In addition to performing information processing according to a predetermined program, the CPU 31 controls the second type electronic money terminal 8 as a whole.
In the present embodiment, when the payment amount is within the first value balance, the CPU 31 performs the payment process with the first value balance, the payment amount is larger than the first value balance, and the first value balance and the second value If the total value of the balance is within the total value of the first value balance and the second value balance, the settlement process is performed. If the settlement amount is larger than the total value of the first value balance and the second value balance, the settlement process is performed. The information processing that cancels is performed.
In addition, when charging, if the second value balance has not reached the upper limit value, the CPU 31 preferentially charges the second value balance over the first value balance.

The ROM 33 is a read-only memory that stores basic programs and parameters for operating the second type electronic money terminal 8.
The RAM 34 is a readable / writable memory that provides a working memory for the CPU 31 or loads and stores a program or data stored in the storage unit 36.

The communication control unit 35 is a connection device that connects the second type electronic money terminal 8 to the electronic money server 2 via a network.
The second type electronic money terminal 8 transmits usage log data to the electronic money server 2 via the communication control unit 35.
The storage unit 36 includes, for example, a hard disk and other storage media, and a drive device that drives them, and includes a program storage unit 42 that stores various programs, a data storage unit 44 that stores data, and the like. .

In the program storage unit 42, an OS, which is a basic program for causing the second-type electronic money terminal 8 to function, and the electronic money card 6 are accessed for settlement and charging, and usage log data is stored in the electronic money server. 2 and the like are stored.
The data storage unit 44 stores these upper limit values for managing the upper limit values of the first value balance and the second value balance, usage log data that is a transaction history with the electronic money card 6, and the like. This usage log data is transmitted to the electronic money server 2 by batch processing.

The input unit 37 is connected to an interface with a peripheral device such as a control device for a passage gate, and receives an input from the peripheral device.
The output unit 38 is connected to an interface with a peripheral device such as a control device for a pass gate, and notifies the peripheral device of the completion of payment, for example.
The second type electronic money terminal 8 communicates with the control device of the pass gate via the input unit 37 and the output unit 38 and can operate integrally with the pass gate.
The reader / writer unit 39 performs wireless communication with the first electronic money function unit 52 and the second electronic money function unit 62 of the electronic money card 6.

While the hardware configuration of the second type electronic money terminal 8 has been described above, the hardware configuration of the first type electronic money terminal 9 is the same as that of the second type electronic money terminal 8.
The first type electronic money terminal 9 is partially functionally different from the second type electronic money terminal 8 in that the second electronic money function unit 62 is not used for settlement. This difference is due to the program stored in the program storage unit 42.

Next, another form of the electronic money card 6 will be described.
With the recent increase in mobile phone users, an IC chip similar to the IC chip embedded in the electronic money card 6 is incorporated into the mobile phone, and the mobile phone is used in the same manner as the electronic money card 6.
An IC chip incorporated in a mobile phone can also be used in the same manner as the electronic money card 6 by forming the first electronic money area 51 and the second electronic money area 61 in the electronic money card 6.

FIG. 6 is a conceptual diagram showing an example of a functional configuration of a mobile phone incorporating such an IC chip.
The mobile phone 7 includes a telephone function unit 10 and an IC chip 12, and both are connected by an interface unit 11.
The IC chip 12 is an IC chip similar to the IC chip incorporated in the electronic money card 6, and can realize both functions of the first electronic money function unit 52 and the second electronic money function unit 62.

In addition to having a call function, the telephone function unit 10 includes a CPU and a storage unit that stores various application programs. The electronic money application unit 15 can be formed by executing the application program on the CPU.
The electronic money application unit 15 can access both the electronic money server 2 and the IC chip 12 and can mediate communication between the electronic money server 2 and the IC chip 12.
For this reason, the mobile phone 7 can receive the money amount change information and various commands from the electronic money server 2 and input them to the IC chip 12 to cause the IC chip 12 to perform various functions such as charging and settlement.

  In addition, the electronic money application unit 15 displays the first value balance and the second value balance stored in the IC chip 12 on the display of the mobile phone 7, or the first function unit ID and the second function unit ID. Various functions for the user, such as reading from the IC chip 12 and displaying it on the display.

The IC chip 12 is connected to the electronic money application unit 15 by the interface unit 11.
Similar to the electronic money card 6, the IC chip 12 has the first electronic money function unit 52 by the CPU executing the first electronic money program and the second electronic money program stored in the EEPROM within the IC chip. And the second electronic money function unit 62 are formed. These functions are the same as those of the electronic money card 6 of FIG.

Similar to the electronic money card 6, the mobile phone 7 configured as described above can be settled with the first value balance or the like by being brought close to the reader / writer of the electronic money terminal.
That is, in the case of the first type electronic money terminal 9, payment can be made with the first value balance, and in the case of the second type electronic money terminal 8, payment can be made with the first value balance and the second value balance. Can do.
When charging is performed, the second value balance is preferentially charged regardless of the first type electronic money terminal 9 and the second type electronic money terminal 8.

The mobile phone 7 can communicate with the electronic money server 2 to make payment and charge, but the electronic money server 2 makes a payment with the first value balance, like the first type electronic money terminal 9, It is assumed that charging is performed preferentially from the second value balance.
The electronic money server 2 may be configured to perform settlement and charging in the same manner as the second type electronic money terminal 8.

Next, a procedure for performing settlement processing together with the second type electronic money terminal 8 in the electronic money card 6 configured as described above will be described.
FIG. 7 is a flowchart for explaining a procedure for the electronic money card 6 and the second type electronic money terminal 8 to perform a payment process.
The following processing is performed by the CPU 21 of the electronic money card 6 and the CPU 31 of the second type electronic money terminal 8 according to a predetermined program.

  First, the second type electronic money terminal 8 accepts a settlement request together with the amount to be settled from a peripheral device or the like (payment amount acquisition means) (step 5). This is because, for example, when the second type electronic money terminal 8 is installed at the passage gate, the passage gate sensor detects the passage of the user, and the control device of the passage gate controls the second type electronic money terminal 8. This is done by requesting to settle a predetermined amount of value.

Next, the user brings the electronic money card 6 close to the reader / writer unit 39 of the second type electronic money terminal 8, and the second type electronic money terminal 8 detects this and starts a settlement process.
First, the second type electronic money terminal 8 activates the first electronic money function unit 52 in the electronic money card 6, and then transmits a balance reference command to the first electronic money function unit 52. 52 is requested to transmit the current first value balance (step 10).
The first electronic money function unit 52 receives and executes the balance reference command, reads the first value balance from the first electronic money storage unit 55, and transmits it to the second type electronic money terminal 8 (step 15). .

The second type electronic money terminal 8 receives the first value balance from the first electronic money function unit 52 (first amount acquisition means), compares it with the settlement amount, and is it possible to settle with the first value balance? (Step 20).
If the payment amount is equal to or less than the first value balance, the second type electronic money terminal 8 determines that payment can be made with the first value balance (step 20; Y), and performs a payment process with the first value balance (step) 40).

If the payment amount is larger than the first value balance, the second type electronic money terminal 8 determines that payment using the first value balance is not possible (step 20; N).
Then, the second type electronic money terminal 8 activates the second electronic money function unit 62 in the electronic money card 6, and then transmits a balance reference command to the second electronic money function unit 62. The transmission of the second value balance is requested to 62 (step 25).
The second electronic money function unit 62 receives and executes a balance reference command from the second type electronic money terminal 8, reads the second value balance from the second electronic money storage unit 65, and executes the second type electronic money terminal. 8 (step 30).

The second type electronic money terminal 8 receives the second value balance from the second electronic money function unit 62 (second amount acquisition means), and compares the total value of the first value balance and the second value balance with the settlement amount. Then, it is determined whether or not settlement is possible with the total value of the first value balance and the second value balance (step 35).
If the payment amount is equal to or less than the total value of the first value balance and the second value balance, the second type electronic money terminal 8 determines that payment can be made with the first value balance and the second value balance (step 35; Y ), Settlement processing is performed using the first value balance and the second value balance (step 40).

  If the payment amount is larger than the total value of the first value balance and the second value balance, the second type electronic money terminal 8 determines that payment based on the total value of the first value balance and the second value balance is impossible. (Step 35; N), and the settlement process is stopped by issuing an alarm.

FIG. 8 is a flowchart for explaining the settlement process performed in step 40 when settlement is possible with the first value balance (step 20; Y).
The second type electronic money terminal 8 generates amount change information (first amount change information) for reducing the value corresponding to the payment amount and transmits it to the first electronic money function unit 52 (amount change information transmitting means) ( Step 50).
The first electronic money function unit 52 receives and executes this amount change information, and performs a settlement process by reducing the first value balance by the amount of settlement (step 55). This completes the payment process.

FIG. 9 is a flowchart for explaining the settlement process performed in step 40 when settlement is possible with the total value of the first value balance and the second value balance (step 35; Y).
The second type electronic money terminal 8 activates the first electronic money function unit 52 in the electronic money card 6 and then generates amount change information (first amount change information) for reducing the entire first value balance. To the first electronic money function unit 52 (step 70).
The first electronic money function unit 52 receives the money amount change information from the second type electronic money terminal 8 and performs a payment process using the money amount change information, and performs a payment process by reducing the first value balance (step 75).
As a result, the first value balance becomes 0 yen. As described above, when the second type electronic money terminal 8 performs the settlement with the first value balance and the second value balance, the second type electronic money terminal 8 performs the settlement with priority from the first value balance.

Next, the second type electronic money terminal 8 activates the second electronic money function unit 62 in the electronic money card 6, calculates the difference between the settlement amount and the first value balance, and reduces the difference. The amount change information (second amount change information) to be generated is generated and transmitted to the second electronic money function unit 62 (step 80).
The second electronic money function unit 62 receives the money amount change information from the second type electronic money terminal 8 and performs a settlement process using the money amount change information, and reduces the difference from the second value balance (step 85).
As described above, the second type electronic money terminal 8 can make a payment using the second value balance when the first value balance is insufficient in the payment amount.
In the present embodiment, the first value balance is preferentially settled. However, the present invention is not limited to this. If the total value of the decrease of the first value balance and the decrease of the second value balance is the settlement amount. Good.

Next, a procedure for the electronic money card 6 to perform a payment process together with the first type electronic money terminal 9 will be described.
In the case of the first type electronic money terminal 9, Step 5, Step 10 and Step 15 in FIG. 7 are the same, but the settlement amount is larger than the first value balance and settlement with the first value balance is impossible. If it is determined that there is any (step 20; N), the settlement process is stopped by issuing an alarm or the like.
In this way, the first type electronic money terminal 9 performs the settlement process within the range of the process performed by the first electronic money function unit 52.

Next, a procedure for the electronic money terminal to charge the electronic money card 6 will be described using the flowchart of FIG.
The charging procedure is common to the first type electronic money terminal 9 and the second type electronic money terminal 8.
There are electronic money terminals that charge when the person in charge receives cash from the user and operates it, and those that charge the amount inserted by the user from the cash slot.
In this way, the electronic money terminal accepts the charge request together with the amount to be increased from the peripheral device or the like by the operation of the person in charge or the detection of the passage for charging (increase amount acquisition means) (step 105).

Next, the electronic money terminal activates the second electronic money function unit 62 in the electronic money card 6, and then transmits a balance reference command to the second electronic money function unit 62. The second value balance is requested to be transmitted (step 110).
On the other hand, the second electronic money function unit 62 reads the second value balance from the second electronic money storage unit 65 and transmits it to the electronic money terminal (step 115).
The electronic money terminal receives the second value balance from the second electronic money function unit 62, compares it with the upper limit value stored in advance, and determines whether or not the second value balance has reached the upper limit value. (Step 120).

If the second value balance has reached the upper limit (step 120; Y,), the electronic money terminal activates the first electronic money function unit 52 in the electronic money card 6 and then sends the charge amount change information. It is generated and transmitted to the first electronic money function unit 52 (step 135).
Then, the first electronic money function unit 52 receives this amount change information, performs a charge process, and increases the first value balance (step 140).

On the other hand, when the second value balance has not reached the upper limit value (step 120; N), the electronic money terminal calculates the difference between the current second value balance and the upper limit value of the second value balance (difference amount). Minute calculation means). Then, amount change information (third amount change information) for increasing the difference is generated and transmitted to the second electronic money function unit 62 (step 125).
The second electronic money function unit 62 receives the amount change information from the electronic money terminal, performs the charging process, and increases the second value balance to the upper limit (step 130).

Then, the electronic money terminal calculates the difference between the amount to be charged and the amount charged to the second electronic money function unit 62.
Then, after starting the first electronic money function unit 52 in the electronic money card 6, the electronic money terminal generates amount change information (fourth amount change information) for increasing the difference and generates the first electronic money. It transmits to the function part 52 (step 135).
The first electronic money function unit 52 receives this amount change information, performs charge processing, and increases the first value balance (step 140).

As described above, the electronic money terminal can preferentially charge from the second value balance. For this reason, even when the second value balance is consumed, it can be quickly recovered.
When the electronic money card 6 is charged in the second electronic money function unit 62, the user is notified that the amount of money increased in the first electronic money function unit 52 is less than the amount requested by the user. It is like that.

In the above description, the first electronic money function unit 52 and the second electronic money function unit 62 are formed on the electronic money card 6, but a single electronic money function unit may have two value balances. Is possible.
For example, in FIG. 11, a terminal communication unit 71 and a value processing unit 72 are formed in an IC chip embedded in an electronic money card 70, and a first electronic money storage unit 55 and a second electronic money storage unit 65 are connected thereto. Shows the case.

In this case, the second type electronic money terminal 8 attaches a parameter for identifying the first electronic money storage unit 55 and the second electronic money storage unit 65 to the command, and the value processing unit 72 performs the first operation according to this parameter. The 1 electronic money storage unit 55 and the second electronic money storage unit 65 are individually processed.
As a result, the second type electronic money terminal 8 can cause the value processing unit 72 to selectively process the first electronic money storage unit 55 and the second electronic money storage unit 65, and the balance of the first value balance can be increased. If there is a shortage, the second value balance can be used.

The following effects can be obtained by the present embodiment described above.
(1) By providing the electronic money card 6 with the second electronic money function unit 62, when the first value balance is insufficient, the payment process can be quickly performed with the second value balance.
(2) The second type electronic money terminal 8 is installed in a place where payment with the second value balance is required, and the first type electronic money terminal 9 is installed in another place, so that the second value balance is unnecessary. Can prevent unnecessary consumption.
(3) The convenience of the customer can be further improved by installing the second type electronic money terminal 8 in a place such as a pass gate where the convenience of the customer due to the inability to settle is easily impaired.
(4) Regardless of the second type electronic money terminal 8 and the first type electronic money terminal 9, the electronic money terminal preferentially charges from the second value balance, so even when the second value balance is used, it is quickly Can be recovered.

It is a figure for demonstrating the outline | summary of this Embodiment. It is a figure for demonstrating the system configuration | structure of this Embodiment. It is a figure for demonstrating the hardware-like structure of an electronic money card. It is a figure for demonstrating the functional structure of an electronic money card. It is a figure for demonstrating the hardware-like structure of a 2nd type electronic money terminal. It is a figure for demonstrating the functional structure of a mobile telephone. It is a flowchart for demonstrating the procedure of a payment process. It is a flowchart for demonstrating the procedure of a payment process. It is a flowchart for demonstrating the procedure of a payment process. It is a flowchart for demonstrating the procedure to charge. It is a figure for demonstrating the modification of an electronic money card.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic money system 2 Electronic money server 6 Electronic money card 8 2nd type electronic money terminal 9 1st type electronic money terminal 51 1st electronic money area 52 1st electronic money function part 53 1st terminal communication part 54 1st value processing Unit 55 First electronic money storage unit 61 Second electronic money area 62 Second electronic money function unit 63 Second terminal communication unit 64 Second value processing unit 65 Second electronic money storage unit

Claims (5)

The money terminal changes the first amount of money with respect to a money terminal comprising a first amount storage means storing a first amount and a second amount storage means storing a second amount. A money amount change information transmitting device for transmitting first money amount change information for performing and second money amount change information for the money terminal to change the second money amount,
Payment amount acquisition means for acquiring a payment amount to be settled at the money terminal;
First amount acquisition means for acquiring a first amount from the money terminal;
When the acquired payment amount is equal to or less than the acquired first amount, first amount change information for reducing the payment amount is transmitted to the money terminal, and the acquired payment amount is the acquired first amount. Amount change information transmission for transmitting, to the money terminal, first amount change information and second amount change information in which the sum of amounts to be reduced becomes the settlement amount when the amount is larger than the amount stored in the storage means. Means,
An amount change information transmitting device characterized by comprising:   The amount change information transmitting means, when transmitting the first amount change information and the second amount change information, the amount to reduce the first amount as the first amount change information The amount change information transmitting apparatus according to claim 1, wherein the amount information is transmitted. Comprising second amount acquisition means for acquiring a second amount from the money terminal;
When the total of the acquired first amount and the second amount is less than the acquired settlement amount, the amount change information transmitting device transmits the first amount change information and the second amount change information. The amount change information transmitting apparatus according to claim 1 or 2, wherein transmission is not performed. Increase amount acquisition means for acquiring an increase amount to be increased to the money terminal;
Difference calculation for acquiring a second amount from the second amount storage means and calculating a difference between the acquired second amount and a predetermined upper limit amount corresponding to the second amount storage means Means,
The amount change information transmission means includes a second amount change information for increasing the calculated amount of difference, and a first amount for increasing the amount of difference between the calculated difference and the acquired amount of increase. 4. The amount change information transmitting device according to claim 1, wherein the amount information is transmitted to the money terminal. The money terminal changes the first amount of money with respect to a money terminal comprising a first amount storage means storing a first amount and a second amount storage means storing a second amount. A money amount change information transmitting method performed by a money amount change information transmitting apparatus that transmits first money amount change information for changing the money amount terminal and second money amount change information for the money terminal to change the second money amount. And
The amount change information transmitting device includes a settlement amount acquisition means, a first amount acquisition means, and an amount change information transmission means,
A payment amount acquisition step of acquiring a payment amount to be settled at the money terminal by the payment amount acquisition means;
A first amount acquisition step of acquiring a first amount from the money terminal by the first amount acquisition means;
When the acquired payment amount is equal to or less than the acquired first amount, the amount change information transmitting means transmits first amount change information for reducing the payment amount to the money terminal, and the acquired payment amount Is larger than the amount stored in the acquired first amount storage means, the first amount change information and the second amount change information in which the total amount of money to be reduced becomes the settlement amount is the money. Sending money change information to the terminal,
An amount change information transmitting method characterized by comprising:

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