JP2008176498A - Electronic money charging unit - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money charging unit capable of simplifying an operation of a user when electronic money is charged in a money card or a mobile phone. <P>SOLUTION: The electronic money charging unit for charging the electronic money in the money card MC or the mobile phone PH includes a charging amount selection means for selecting a predetermined charging amount, and a charging amount direct input means for directly inputting the charging amount, wherein when the charging amount is selected by the charging amount selection means, the charging amount direct input means is invalidated and the selected amount is determined as the charging amount. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an electronic money charging machine that charges a recording medium with electronic money that enables payment related to purchase of goods and provision of services.

  In recent years, electronic money (money value information) is recorded on a recording medium such as a non-contact IC card or a mobile phone, and payment relating to purchase of goods and provision of services is performed using the electronic money recorded on the recording medium. Is popular. In this type of recording medium, if the balance of the recorded electronic money becomes small, payment related to product purchases and service provisions cannot be made, so it is necessary to charge (add) electronic money to the recording medium. In order to charge the electronic money, an electronic money charging machine that charges electronic money corresponding to the inserted cash (banknotes or coins) to a recording medium is widely used (see, for example, Patent Document 1). In the electronic money charging machine, when the electronic money is charged using cash, the amount to be charged is determined by the inserted cash.

  In addition, recently, an electronic money charging machine that charges electronic money to a recording medium using credit (credit) given by a financial institution (for example, a credit card company), a deposit and saving of an account of a financial institution (for example, a bank). There has been proposed an electronic money charging machine that charges electronic money by using (see, for example, Patent Document 2). In this electronic money charging machine, when charging electronic money using credit given from financial institutions or deposits and savings of financial institution accounts, a credit card or debit card is presented, and a PIN is entered and charged. It was necessary to directly input the amount of money to be entered using a numeric keypad.

JP 2003-036466 A JP 2006-133857 A

  However, in the electronic money charging machine that charges the electronic money to the recording medium using the credit given by the financial institution, and the electronic money charging machine that charges the electronic money using the deposit and saving of the account of the financial institution, the input of the personal identification number is required. In addition, since it is necessary to directly input the amount of money to be charged with a numeric keypad, the electronic money charging operation becomes complicated.

  The present invention has been made in view of the above circumstances, and an object thereof is to provide an electronic money charging machine capable of simplifying operations when charging electronic money to a recording medium.

  In order to achieve the above object, an electronic money charging device according to claim 1 of the present invention is a charge amount selecting means for selecting a predetermined charge amount in an electronic money charging device for charging electronic money to a recording medium. Charge amount direct input means for directly inputting the amount to be charged, and charge amount confirmation control for invalidating the charge amount direct input means when the charge amount is selected, while confirming the selected amount as the amount to be charged Means.

  An electronic money charging machine according to claim 2 of the present invention is the electronic money charger according to claim 1, wherein at least one of payment by credit given from a financial institution, payment by deposit and saving of an account of a financial institution, and payment by cash is performed. The recording medium is charged with electronic money.

  In the electronic money charging machine according to the present invention, when a charge amount is selected from a charge amount selection means for selecting a predetermined charge amount, a charge amount direct input means for directly inputting a charge amount, and a charge amount selection means In addition to invalidating the charge amount direct input means, the charge amount confirmation control means for confirming the selected charge amount as the amount to be charged is provided, so if the charge amount is selected, the charge amount direct input is entered. It is not necessary to directly input the amount to be charged from the means, and the user's operation can be simplified. In addition, the charge amount can be easily determined based on the credit card limit, bank account (financial institution) deposit and savings, and cash in hand.

  Exemplary embodiments of an electronic money charging machine according to the present invention will be described below in detail with reference to the accompanying drawings. Note that the present invention is not limited to the embodiments.

  FIG. 1 is a block diagram showing a configuration of an electronic money charge system to which an electronic money charge machine according to an embodiment of the present invention is applied. FIG. 2 is a conceptual diagram of the electronic money charge machine according to an embodiment of the present invention. FIG. 3 is a block diagram showing a configuration of the electronic money charging machine shown in FIG. 2.

  The electronic money charging machine 1 described in the present embodiment is configured to charge electronic money by cash settlement (hereinafter referred to as “cash charging”), and to charge electronic money by credit (credit) given by a credit company (financial institution). (Hereinafter referred to as “credit charge”) and electronic money charging (hereinafter referred to as “debit charge”) by deposit and saving in a bank account (financial institution).

  Cash charge is a method of charging electronic money corresponding to inserted cash (banknotes or coins) to a recording medium such as a money card MC composed of a non-contact IC card or a mobile phone PH equipped with a non-contact IC chip. And the money for electronic money is settled immediately.

  Credit charge is to charge electronic money to the recording medium within the limit of credit limit (credit limit) given in advance by the credit company. The price of electronic money is reimbursed by the credit company, and the reimbursed price of electronic money Will be settled later. In the credit charge, a credit card CC is used for user authentication.

  The debit charge is for charging electronic money to a recording medium within the range of the deposit and saving balance of the bank account, and the price of the electronic money is settled immediately. In the debit charge, a debit card DC (cash card) is used for user authentication.

  As shown in FIG. 1, an electronic money charger 1 according to an embodiment of the present invention includes a credit server 7 of a credit company, a bank debit via a dedicated line, a network (LAN) or a wide area network (WAN). The server 8 is connected to an electronic money server 9 of an electronic money management company. In the case of cash charging, information is transmitted and received between the electronic money charging machine 1 and the electronic money server 9, and in the case of credit charging, a credit server is provided between the electronic money charging machine 1 and the credit server 7. 7 and information is transmitted and received between the electronic money server 9 and the electronic money server 9. In the case of debit charging, information is transferred between the electronic money charging machine 1 and the debit server 8, between the debit server 8 and the electronic money server 9, and between the electronic money server 9 and the electronic money charging machine 1. Sent and received.

  As shown in FIG. 2, the electronic money charging machine according to the embodiment of the present invention includes a guide operation unit 10 including a display unit 11 and an input unit 12, a bill insertion slot 20, a money card / mobile phone set unit 30, a credit card. A debit setting unit 40 and a receipt issuing port 50 are provided.

  The display unit 11 is a part that guides the operation to the user and displays necessary information, and is configured by, for example, a liquid crystal panel. The input unit 12 is used for inputting information required by the electronic money charging machine 1. For example, the input unit 12 includes areas displayed on the operation screen of the display unit 11 (charge amount display area, numeric keypad display area, cancellation in FIG. 2). The touch panel can be configured to input information by touching the display area.

  The bill insertion slot 20 is an opening for a user to insert a bill. The bill inserted through the bill insertion slot 20 is identified in the bill validator 21 (see FIG. 3), and then stored in the bill validator 21. The bill insertion slot 20 also functions as a bill return slot for returning bills that could not be identified in the bill validator 21.

  The money card / mobile phone set unit 30 is for transmitting and receiving identification information and balance information to / from the money card MC or mobile phone PH set by the user. The identification information and balance information of the set money card MC or mobile phone PH are read by the reader / writer 31 (see FIG. 3). When charging electronic money, new balance information is checked after the identification information is verified. Will be written.

  The credit / debit setting unit 40 is for transmitting and receiving identification information to / from the credit card CC or debit card DC set by the user. The credit / debit setting unit 40 The identification information of the debit card DC is read by the reader / writer 41 (see FIG. 3).

  The receipt issuing port 50 is an opening for issuing a receipt. In the printer 51 (see FIG. 3), the issued receipt is discharged from the receipt issuing port 50 to the outside.

  As shown in FIG. 3, the above-described display unit 11, input unit 12, bill validator 21, reader / writer 31, reader / writer 41, and printer 51 are connected to the main control unit 60. The main control unit 60 controls these in an integrated manner, and can limit electronic money charged to the money card MC or the mobile phone PH.

  A communication unit 61 is connected to the main control unit 60. As shown in FIG. 1, the communication unit 61 is connected to the credit server 7, the debit server 8, and the electronic money server 9 via a dedicated line, a network (LAN), or a wide area network (WAN).

  The electronic money charging machine 1 configured as described above can transmit an authentication request to the credit server 7 or the debit server 8 and can receive a charge command from the electronic money server 9. The authentication request is a terminal ID number of an electronic money charging machine, an ID number of a credit card or a debit card, a personal identification number, an ID number of a money card or a mobile phone, and a charge amount, which are encrypted and transmitted to the credit server 7 or debit. It is transmitted to the server 8. On the other hand, when the electronic money charging machine 1 receives a charge command from the electronic money server 9, the charge command is decrypted, and after checking the money card MC or the mobile phone PH based on the charge command, the electronic money is charged. .

  The credit server 7 can receive the authentication request transmitted from the electronic money charger 1 and, when receiving the authentication request, decrypts and authenticates the authentication request. When the credit server 7 approves the authentication request, it transmits a charge request to the electronic money server 9, while when it rejects the authentication request, it returns a reply indicating that payment cannot be made to the electronic money charger 1. The authentication is performed based on the credit card ID number, password, and charge amount included in the authentication request, and the identity of the user is authenticated (person authentication) by the credit card ID number and password, Whether the charge amount is within the credit limit is authenticated by the credit card ID number and the charge amount. The charge request is a terminal ID number of an electronic money charging machine, an ID number of a money card or a mobile phone, and a charge amount, which are encrypted and transmitted to the electronic money server 9.

  Similar to the credit server 7, the debit server 8 can receive the authentication request transmitted from the electronic money charger 1, and when receiving the authentication request, the debit server 8 decrypts and authenticates the authentication request. When the debit server 8 approves the authentication request, the debit server 8 transmits a charge request to the electronic money server 9. On the other hand, when the debit server 8 rejects the authentication request, the debit server 8 replies to the electronic money charger 1 that settlement is impossible. The authentication is performed based on the ID number of the debit card, the password, and the charge amount included in the authentication request, and the identity of the user is authenticated (identification) by the ID number and the password of the debit card, The debit card ID number and the charge amount are used to authenticate whether the charge amount can be charged using an account deposit and savings. The charge request is a terminal ID number of an electronic money charging machine, an ID number of a money card or a mobile phone, and a charge amount, which are encrypted and transmitted to the electronic money server 9.

  The electronic money server 9 can receive the charge request transmitted from the credit server 7 or the debit server 8 and, when receiving the charge request, decrypts and authenticates the charge request. When the electronic money server 9 approves the charge request as valid, the electronic money server 9 transmits a charge command to the electronic money charge machine 1, while when the electronic money server 9 denies that the charge request is invalid, the electronic money charge machine 1 cannot settle the payment. To the effect. Authentication is performed based on the ID number of the money card or mobile phone included in the charge request, and it is authenticated whether the ID of the money card or mobile phone is valid. The charge command is a terminal ID number of an electronic money charging machine, an ID number of a money card or a mobile phone, and a charge amount. After the money card or mobile phone ID number and the charge amount are encrypted, the electronic money charging machine 1 is transmitted.

  Next, based on FIG. 4, the operation of the electronic money charging machine according to the embodiment of the present invention will be described. FIG. 4 is a flowchart for explaining the operation of the electronic money charging machine according to the embodiment of the present invention.

  As shown in FIG. 5, the operation screen of the guidance operation unit 10 of the electronic money charging machine 1 displays “cash charge”, “credit charge”, “debit charge”, and “balance inquiry”, as shown in FIG. You can choose either. Here, the operation will be described by taking a credit charge as an example.

  When the electronic money charging machine 1 is in a standby state, when “credit charge” is selected by touching the display area of “credit charge” displayed on the operation screen of the guidance operation unit 10 (step S1: Yes). ), The guidance operation unit 10 of the electronic money charging machine 1 transitions to an operation screen as shown in FIG. In this operation screen, in addition to a display requesting the setting of the money card MC (for example, a display “Please set a money card”), information (for example, balance) referred to when charging electronic money, electronic A display for inputting the money charge amount (“¥ 1,000”, “¥ 3,000”, “¥ 5,000”, “¥ 10,000”, numeric keypad in FIG. 6) is displayed.

  Here, when the money card MC or the mobile phone PH is set in the money card / mobile phone set unit 30 (step S2: Yes), the reader / writer 31 receives the identification information, balance information, and the like from the money card MC or the mobile phone PH. To display the charge balance. Then, the guidance operation unit 10 of the electronic money charger 1 transitions to an operation screen as shown in FIG.

  On this operation screen, touch one of the charge amount display areas (display areas displaying “¥ 1,000”, “¥ 3,000”, “¥ 5,000”, and “¥ 10,000” in FIG. 7). Then (step S3: Yes), the charge amount is fixed, and the charge amount and the balance after charging are displayed. Then, the charge amount input from the numeric keypad display area is invalidated.

  On the other hand, when the charge amount is directly input from the numeric keypad display area (step S4: Yes) without touching any of the charge amount display areas (step S3: No), the charge amount is displayed. More specifically, a transition is made from the lower digit to the upper digit in the order of the entered numbers, and the charge amount is displayed. Then, when the charge amount is confirmed (touching the display area displaying “decision”), the charge amount and the balance after charging are displayed.

  Thereafter (step S3: Yes or step S4: Yes), as shown in FIG. 8, on the operation screen of the guidance operation unit 10, a display requesting setting of a credit card (for example, “Set a credit card. ”Is displayed and the user is requested to set a credit card.

  Here, when the credit card CC is set in the credit / debit setting unit 40 (step S5: Yes), as shown in FIG. 8, on the operation screen of the guidance operation unit 10, a display requesting input of a personal identification number is displayed. (For example, “Please enter your PIN”) is displayed, and the user is requested to enter the PIN.

  Here, when the user touches the numeric keypad display area on the operation screen of the guidance operation unit 10 to input a password (step S6: Yes), the electronic money charger 1 requests the credit server 7 for authentication ( Step S7).

  The credit server 7 decrypts the authentication request received from the electronic money charger 1 and determines whether payment is possible (step S8). When the credit server 7 determines that payment is possible (step S8: Yes), a charge request is transmitted to the electronic money server 9. On the other hand, when the credit server 7 determines that payment is not possible (step S8: No), the electronic money charger 1 is notified that payment is not possible.

  The electronic money server 9 decrypts the charge request received from the credit server 7 and authenticates whether the money card MC or the mobile phone PH is valid (for example, determines whether or not it corresponds to a lost card). . When it is determined that the money card MC or the mobile phone PH is valid, a charge command is transmitted to the electronic money charger 1.

  The electronic money charging machine 1 decrypts the charge command received from the electronic money server 9 and charges the electronic money to the money card MC or the mobile phone PH based on the charge request (step S9). Note that during the period from the input of the password to the end of charging, a message indicating that charging is in progress (for example, “charging”) is displayed on the operation screen of the guidance operation unit 10, as shown in FIG.

  Thereafter, when the charging is finished, as shown in FIG. 11, the operation screen of the guidance operation unit 10 displays that the charging is finished (for example, “end”), and displays the charge amount and the charge balance (step S10), a series of actions are terminated.

  On the other hand, when the electronic money charging machine 1 receives the fact that payment cannot be made from the credit server 7, the fact is displayed on the operation screen of the guidance operation unit 10 (step S11), and the series of operations is terminated.

  In addition, although credit charge was demonstrated to the example, debit charge can be charged similarly to credit charge. That is, in the case of debit charge, instead of authentication by the credit server 7, authentication is performed by the debit server 8, except that authentication is performed based on the deposit amount of the bank account previously associated with the debit card DC (cash card). There is no difference from credit charge.

  In the case of cash charge, instead of steps S5 to S8, a bill corresponding to the selected charge amount or directly inputted charge amount is inserted from the bill insertion slot 20, and an electronic charge corresponding to the charge amount is inserted. Money is charged to a recording medium such as a money card MC composed of a non-contact IC card or a mobile phone PH equipped with a non-contact IC chip. The other steps are similar to the credit charge described above.

  In the electronic money charging machine 1 according to the embodiment of the present invention described above, the credit card CC and the money card MC or the mobile phone PH are separate, and the debit card DC and the money card MC or the mobile phone PH are separate. However, the credit card CC, the debit card DC, the money card MC, the card having the credit card CC, the money card MC function, the debit card DC, the money card MC function. The present invention can be applied to a card having all the functions of the card MC or a mobile phone PH.

  In the electronic money charging machine 1 according to the above-described embodiment, a guidance operation unit 10 including a display unit 11 and an input unit 12 is provided, and a charge amount display area and a numeric keypad display area are provided on the operation screen of the guidance operation unit 10. In addition to the display, it is possible to operate by touching these areas, but a charge amount selection button that can be operated by the user may be provided on the front surface of the electronic money charging machine 1 instead of the charge amount display area. In place of the numeric keypad display area, a pin pad that can be operated by the user may be provided.

  The electronic money charging machine 1 according to the embodiment described above displays a charge amount display area for selecting a predetermined charge amount on the operation screen of the guidance operation unit 10 and a numeric keypad display area for directly inputting the amount to be charged. When the charge amount is selected from the charge amount display area, the direct input from the numeric keypad display area is invalidated, while the selected charge amount is confirmed as the amount to be charged, so the charge amount display area is selected. In this case, it is not necessary to directly input the charge amount from the numeric keypad display area, and the user's operation can be simplified. On the other hand, when the charge amount is directly input from the numeric keypad display area, an arbitrary amount can be input.

It is a block diagram which shows the structure of the electronic money charge system to which the electronic money charge machine which is embodiment of this invention is applied. It is a conceptual diagram of the electronic money charge machine which is embodiment of this invention. It is a block diagram which shows the structure of the electronic money charging machine shown in FIG. It is a flowchart which shows the effect | action of the electronic money charging machine which is embodiment of this invention. It is the figure which showed the operation screen displayed on the guidance operation part shown in FIG. 2, Comprising: The standby screen is shown. FIG. 3 is a diagram showing an operation screen displayed on the guidance operation unit shown in FIG. 2, and shows an operation screen for requesting setting of a money card. FIG. 3 is a diagram illustrating an operation screen displayed on the guidance operation unit illustrated in FIG. 2, and illustrates an operation screen that requests input of a charge amount. FIG. 3 is a diagram showing an operation screen displayed on the guidance operation unit shown in FIG. 2, and shows an operation screen for requesting setting of a credit card. FIG. 3 is a diagram illustrating an operation screen displayed on the guidance operation unit illustrated in FIG. 2, and illustrates an operation screen that requests input of a personal identification number. FIG. 3 is a diagram illustrating an operation screen displayed on the guidance operation unit illustrated in FIG. 2, and illustrates an operation screen displaying charging. FIG. 3 is a diagram illustrating an operation screen displayed on the guidance operation unit illustrated in FIG. 2, and illustrates an operation screen indicating that charging has ended.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic money charge machine 7 Credit server 8 Debit server 9 Electronic money server 10 Guidance operation part 11 Display part 12 Input part 20 Bill insertion slot 21 Bill validator 30 Money card and mobile phone set part 31 Reader / writer 40 Credit debit set part 41 Reader / writer 50 Receipt issuing port 51 Printer 60 Main control unit 61 Communication unit CC Credit card DC Debit card MC Money card PH Mobile phone

Claims (2)

In an electronic money charging machine that charges electronic money to a recording medium,
Charge amount selection means for selecting a predetermined charge amount;
Charge amount direct input means to directly input the amount of charge,
A charge amount confirmation control means for invalidating the charge amount direct input means when the charge amount is selected from the charge amount selection means and confirming the selected amount as the amount to be charged. Electronic money charging machine.   The electronic money according to claim 1, wherein the electronic money is charged to the recording medium by at least one of payment by credit given from a financial institution, payment by deposit and saving of an account of the financial institution, and payment by cash. Charge machine.

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