JP2008186297A - Electronic money settlement system and mobile terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money settlement system and a mobile terminal, capable of transferring an electronic money between the terminals even outside a radio wave area. <P>SOLUTION: The mobile terminal 10 stores information of an electronic money alienation amount set by a setting means 25 of the mobile terminal 20 in a storage means 13, when receiving it together with identification information of the mobile terminal 20 stored in a storage means 13 by short-range radio communication, while correlating those each other, a control means 43 of a POS terminal 40 updates the storage means 13, using a value provided by subtracting preferentially a billed amount from the alienation amount as a new electronic money balance, out of an electronic money balance and the alienation amount stored in the storage means 13, when executing electronic money settlement by the POS terminal 40, using the mobile terminal 10, and a POS side transmission means 42 transmits a settled portion by the alienation amount for the mobile terminal 10, and a settled portion from the electronic money balance for the mobile terminal 20, out of the billed amount, to the server 50 together with the identification information of the respective mobile terminals. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an electronic money settlement system, and in particular, an electronic money settlement having a portable terminal equipped with a contactless electronic money settlement (contactless IC card) function and a settlement terminal such as a POS (Point Of Sales) terminal. The present invention relates to a system and a mobile terminal and a payment terminal used for the system.

  In recent years, for example, payment using electronic money by using a non-contact IC card such as Suica or Edy is rapidly spreading. When using these, it is common to charge (pay) electronic money to a contactless IC card in advance using a dedicated terminal and use the charged amount as a limit for payment of money. If these are used, payment can be easily made without requiring cash, and further, there is no troublesome accumulation of change coins, which is very convenient. You can't pay more than what you charge, so you don't have to worry about spending too much money like you would with a credit card.

  Recently, it has become common to install the above-mentioned contactless IC card function in a portable terminal such as a cellular phone. In such a portable terminal, a user can view internal information of a contactless IC card owned by the user by accessing a specific site through the Internet network or the like. In other words, refer to past usage history, charge IC card by credit card payment etc. without using a dedicated terminal, and also incorporate the function of traffic commuter pass into the function of non-contact IC card In some cases, the commuter pass usage period can be renewed through the Internet network or the like.

  In particular, a portable terminal such as a mobile phone has become a generalized tool that is always carried around, equivalent to or more than a wristwatch. Furthermore, in recent mobile terminals, not only functions such as an e-mail transmission / reception function, a digital image shooting function as a camera, and a video shooting function, but also a long-time use such as functions of digital radio, one-segment TV broadcasting, silicon audio, etc. Even functions have been installed. Because of these various convenient functions, there are many users who usually carry their mobile devices even when they do not carry their wallets. When a small amount of money needs to be paid, the mobile device The ability to complete payment is very convenient. Due to such convenience, the number of users who use the electronic money payment function on a portable terminal equipped with a non-contact IC card function is increasing.

  When paying money with electronic money, connect a card or portable terminal with a contactless IC card (hereinafter referred to as “IC card” as appropriate) function to the POS (Point Of Sales) terminal of the store where the payment is made. Payment is automatically made in a non-contact manner by bringing it close to the IC card reader / writer. At this time, a settlement terminal such as a POS terminal in the store refers to the electronic money balance recorded on the card or the IC card of the portable terminal through the IC card reader / writer, and the electronic money balance is greater than the settlement amount. Overwrites the IC card with a new electronic money balance by subtracting the settlement amount from the electronic money balance. By doing so, the user of the IC card or the portable terminal can finish payment smoothly without generating change.

  By the way, in the payment by the IC card function as described above, it is generally assumed that payment for one transaction is made by one user with one settlement. Therefore, when a group consisting of a plurality of users eats and drinks or purchases a product in an electronic money settlement, basically, the user 1 who first pays with electronic money. A person must make all payments as a representative. At the moment when the first paying user holds his / her card or portable terminal over the IC card reader / writer, if the total payment amount is equal to or less than the electronic money balance, the electronic money is deducted all at once. However, in this case, for example, the total amount of food and beverages and purchases of the entire group is divided by the number of people of the group with respect to the total amount of billing (payable by assigning an account to each person on average) and paid by several users. The payment amount cannot be shared, which is extremely inconvenient.

  Thus, in order to solve the above problem, a POS terminal capable of performing settlement processing such as discount payment has been proposed (see, for example, Patent Document 1).

  However, the method disclosed in Patent Document 1 has the following problems. In other words, in this method, when paying by a plurality of users for accounting combined at one time, since it is only possible to divide the bill, i.e., the amount charged, by the number of people, It is inconvenient that the user who makes the payment cannot select a payment method in which his / her payment amount (desired payment amount) is set (for example, each person arbitrarily determines an individual payment amount). Further, when each settlement process is performed, the operator of the POS terminal in the store must basically perform all processing operations including insertion and discharge of the electronic money card. There is also a problem.

  A remittance processing method in which electronic money is exchanged between users is known as one that can solve such a problem (see, for example, Patent Document 2).

  In this remittance processing method, for example, as shown in FIG. 12, a user A owns a portable terminal 100 having an electronic money settlement function, and a user B also owns a portable terminal 200 having an electronic money settlement function, Electronic money is delivered under the condition that it can communicate with an electronic money processing server (hereinafter referred to as “server” as appropriate) 500 wirelessly. As an example, two users A and B make a total purchase of 7,000 yen, and only the user A makes a payment with the electronic money to the store side, but as a breakdown, from the electronic money of the user A It is assumed that the user wishes to pay 4,000 yen from the electronic money of user B for 3,000 yen.

  In this case, the user B first activates an electronic money delivery application using his / her mobile terminal 200, and remits 3,000 yen of electronic money to the user A using the input unit of the mobile terminal 200. In this manner, the operation is performed in accordance with the instruction of the application, and the user A determines and inputs a password for receiving the electronic money. Then, communication between the mobile terminal 200 and the server 500 is started, and information indicating that 3,000 yen of electronic money is to be transferred to the user A is transmitted to the server 500, and at the same time, in the storage area 210 of the mobile terminal 200. The electronic money balance is reduced from the original 8,000 yen to 5,000 yen.

  In the server 500, in the area 520 for the user B of the server 500, the electronic money balance is reduced from the original 8,000 yen to 5,000 yen. At the same time, since this 3,000 yen is for remittance to the user A, in the area 510 for the user A of the server 500, the electronic money balance of the user A is increased by 3,000 yen, The balance and the total of 10,000 yen are added up to 13,000 yen. At this time, the mobile terminal 100 of the user A has not yet received electronic money.

  The user B notifies the user A that the electronic money has been transferred and the password for receiving the electronic money, and then the user A activates the electronic money delivery application of the mobile terminal 100 to input the input unit of the mobile terminal 100 Is used to input the password notified from the user B and receive electronic money from the user B. Then, communication between the mobile terminal 100 and the server 500 is started, and after the access of the mobile terminal 100 is authenticated, information indicating that 3,000 yen of electronic money is to be transferred from the user A is received from the server 500. At the same time, in the storage area 110 of the portable terminal 100, the electronic money balance is increased from the original 10,000 yen to 13,000 yen.

  After that, the user A can use the 3,000 yen repatriated from the user B as his / her electronic money for settlement, so the 7,000 yen of the purchase amount is electronic money through the POS terminal on the store side. In effect, the user B pays 3,000 yen and the user A pays 4,000 yen of electronic money. Note that, for the sake of simplicity, details such as the deduction of fees necessary for delivery of electronic money are not considered here.

In this way, by transferring electronic money between users before electronic money settlement, one of the users can make a payment at a time as a representative, and each user is substantially You can pay only for what you want to pay. Further, from the store side, the burden on the operator of the POS terminal is remarkably reduced because it is completely the same as the time for one person to make an electronic money settlement once.
JP-A-11-16032 JP 2004-272470 A

  However, the method disclosed in Patent Document 2 has the following problems. That is, when users exchange electronic money with each other, each mobile terminal owned by the user who exchanges must perform wireless communication with the server, so outside the radio wave range (outside the wireless communication area) Since neither user A nor user B can communicate with the server, electronic money cannot be delivered as described above. In particular, when a user makes a payment after shopping or eating and drinking, it is assumed that the scene in which electronic money is delivered before the payment is often indoors. However, in buildings and underground, it is expected that radio waves from wireless communication devices often weaken or go out of the radio range. In such a situation, if the delivery of electronic money is frequently interrupted or impossible, the convenience is significantly impaired.

  Therefore, an object of the present invention made in view of such a point is that electronic money can be exchanged between user terminals even when out of the radio wave range where communication between each terminal and the electronic money processing server is impossible. Another object of the present invention is to provide an electronic money payment system and a portable terminal used therefor, which enable one of the users to make a payment collectively.

The invention of the electronic money payment system according to claim 1 that achieves the above object includes a first portable terminal, a second portable terminal, a payment terminal, and an electronic money management server,
The first portable terminal is
Setting means for setting a transfer amount together with transferee information based on user input;
Storage means for storing its own identification information and electronic money balance;
Transmission means for transmitting electronic money corresponding to the transfer amount set by the setting means to the second portable terminal together with its own identification information stored in the storage means,
The second portable terminal is
Receiving means for receiving identification information transmitted from the first portable terminal and electronic money corresponding to the transfer amount;
A storage unit that stores its own identification information and electronic money balance, and stores electronic money corresponding to the transfer amount received by the reception unit in association with the identification information of the first portable terminal;
The payment terminal is
A reader / writer capable of reading and updating information stored in the storage means of the second portable terminal;
Of the electronic money balance included in the information read by the reader / writer and the electronic money corresponding to the transfer amount, a value obtained by subtracting the billing amount from the electronic money corresponding to the transfer amount is calculated as a new balance. Control means for updating the electronic money balance in the storage means to the calculated new balance via the reader / writer;
Of the billing amount, the payment amount by electronic money corresponding to the transfer amount is transmitted to the electronic money management server together with the identification information of the first portable terminal, and the payment amount from the electronic money balance is the second amount. Transmitting means for transmitting to the electronic money management server together with identification information of the portable terminal;
It is characterized by providing.

The invention according to claim 2 is the electronic money settlement system according to claim 1,
In the first mobile terminal,
The transmitting means further adds information indicating that the transfer is to be transferred to the second portable terminal and transmits electronic money corresponding to the transfer amount to the second portable terminal,
In the payment terminal,
The transmission means adds the information indicating that the transfer amount by electronic money corresponding to the transfer amount of the charge amount is transfer to the second mobile terminal, and manages the electronic money It is characterized by being transmitted to a server.

The invention according to claim 3 is the electronic money settlement system according to claim 1 or 2,
In the first mobile terminal,
The transmission means further adds the unique transaction ID to electronic money corresponding to the transfer amount and transmits the electronic money to the second portable terminal.

  According to a fourth aspect of the present invention, in the electronic money settlement system according to any one of the first to third aspects, the first mobile terminal sets the setting from the electronic money balance stored in the storage unit. A value obtained by subtracting the transfer amount set by the means is updated as a new electronic money balance.

Furthermore, the invention according to claim 5 for achieving the above object is a portable terminal used in an electronic money settlement system,
Setting means for setting a transfer amount together with transferee information based on user input;
Storage means for storing its own identification information and electronic money balance;
Transmitting means for transmitting electronic money corresponding to the transfer amount set by the setting means, together with its own identification information, to other mobile terminals by short-range wireless communication;
Receiving means for receiving identification information and electronic money transmitted from the other portable terminal by short-range wireless communication;
Control means for controlling updating of the electronic money balance stored in the storage means based on the electronic money transmitted to the other terminal by the transmitting means or the electronic money received from the other terminal by the receiving means; ,
It is characterized by providing.

The invention according to claim 6 is the portable terminal according to claim 5,
The transmitting means is further characterized in that the electronic money corresponding to the transfer amount is transmitted to the other portable terminal by adding information indicating the transfer to the other portable terminal.

The invention according to claim 7 is the portable terminal according to claim 5 or 6,
The transmission means further adds a transaction ID unique to the electronic money corresponding to the transfer amount and transmits the electronic money to the other portable terminal.

  According to the present invention, since electronic money can be delivered by performing short-range wireless communication between user terminals, communication between each terminal owned by the user and the electronic money processing server is impossible. Even outside the radio range, each user who accounts collectively can freely set his / her electronic money payment amount, and the actual payment can be made only by one person at a time.

  Embodiments of the present invention will be described below with reference to the drawings.

(First embodiment)
FIG. 1 is a functional block diagram showing outlines of mobile terminals 10 and 20 used in an electronic money settlement system according to an embodiment of the present invention, a POS terminal 40 installed on a store side, and an electronic money processing server 50. FIG. For convenience of explanation, the mobile terminal 10 is a terminal owned by the user A, and the mobile terminal 20 is a terminal owned by the user B.

  As shown in FIG. 1, the portable terminal 10 of the present invention performs short-distance wireless communication by close proximity to an IC card reader / writer and wireless communication means 11 for wirelessly communicating voice and other various data and exchanges electronic money. Exchange data with other terminals by performing short-range wireless communication such as infrared or RFID, and a non-contact IC card function unit 12 that performs various operations, storage means 13 that stores various information related to electronic money A short-range wireless communication function unit 14 that enables, a setting unit 15 that provides various setting functions related to the exchange of electronic money, an input unit 16 that receives input by a user when inputting various settings or information, A display unit 17 that displays various necessary information on a screen and a control unit 18 that is connected to the display unit 17 and controls the entire mobile terminal 10 are provided. The setting means 15 can be configured by hardware or can be configured by software such as an application. Moreover, the short-range wireless communication function unit 14 may also serve as the non-contact IC card function unit 12.

  The setting means 15 is configured to set information such as the amount and password of electronic money to be delivered based on information input to the input means 16 by the user. Further, the storage means 13 performs the delivery set by the setting means 15 and the electronic money balance charged (paid) to the mobile terminal 10 including the identification information for identifying the mobile terminal 10 in the electronic money settlement system. The amount of electronic money, a password, remittance destination information to which electronic money is transferred, and the like are stored.

  The portable terminal 20 is configured in the same manner as the portable terminal 10, and includes a wireless communication unit 21, a non-contact IC card function unit 22, a storage unit 23, a short-range wireless communication function unit 24, a setting unit 25, an input unit 26, and a display unit 27. The control means 28 is provided. The near field communication function unit 24 performs near field communication such as infrared or RFID with the near field communication function unit 14 of the portable terminal 10 by allowing the portable terminal 20 and the portable terminal 10 to approach each other. Data can be sent and received. In addition, by using the short-range wireless communication function unit 24 as the non-contact IC card function unit 22, data can be transmitted and received by non-contact IC communication between the mobile terminal 20 and the mobile terminal 10.

  Furthermore, the POS terminal 40 according to the present embodiment performs electronic money settlement by performing data communication with the non-contact IC card function unit 12 or 22 of the mobile terminal 10 or 20 by bringing the mobile terminal 10 or 20 closer. An IC card reader / writer 41 to be enabled, a POS side transmission / reception means 42 for transmitting information such as electronic money to the electronic money processing server 50, and a control means 43 connected to these for controlling the entire POS terminal 40 are provided. ing. The POS terminal 40 and the electronic money processing server 50 are connected via, for example, an electronic money settlement system network (not shown) connected via a dedicated line. Note that the basic configurations of the POS terminal 40 and the electronic money processing server are not different from those used in a general electronic money settlement system, and thus detailed description thereof is omitted.

  Next, payment processing by the electronic money payment system according to the present embodiment will be described with reference to the conceptual diagram of the processing in FIG. 2, the flowcharts in FIGS. 3 to 5, and FIG. 6. Hereinafter, 10,000 electronic money is charged (deposited) in the mobile terminal 20 of the user A, and 8,000 yen of electronic money is charged in the mobile terminal 10 of the user B. A case will be described in which 4,000 yen is paid from user A's electronic money and 3,000 yen is paid from user B's electronic money to product X of 000 yen. That is, first, 10,000 yen of electronic money is stored (charged) in the storage means (memory area) 13 of the portable terminal 10 of the user A, and 8,000 yen is stored in the storage means 23 of the portable terminal 20 of the user B. It is assumed that

  First, with reference to the flowchart of FIG. 3, the process performed in the portable terminal 20 of the user B who is a remittance side is demonstrated.

  The user B on the remittance side operates the portable terminal 20 to activate the electronic money delivery application, which is the setting means 25, in a state where electronic money remittance can be set (step S1). At this time, in consideration of safety, the personal authentication of the user B is performed using a password or a password (step S2).

  When the user B is authenticated by inputting the personal identification number in step S3, the control means 28 of the portable terminal 20 displays an input form for the remittance destination and the remittance amount (transfer amount) on the display means 27 (step S4). ), Prompts the user B to input the electronic money remittance destination and the remittance amount (step S5). At this time, it is preferable to display, for example, as shown in FIG.

  The setting means 25 causes the user B to input the identification information of the mobile terminal 10 of the user A who is the remittance destination in this example and the transfer amount 3,000 yen by using the input means 26, and enter these information. The data is stored in the storage unit 23. In addition, for the input of the remittance destination, identification information assigned to each user (a portable terminal owned by the user) is generally used in the electronic money settlement system. For example, from the data registered in advance such as a telephone number or a telephone directory of the terminal It is possible to select and input. When the user input is completed, the control means 28 displays a final confirmation of remittance on the display means 27 (step S6), and prompts the user for confirmation (step S7). At this time, it is preferable to display the display unit 27 as shown in FIG. 6B, for example.

  If confirmation about remittance cannot be obtained in step S7, for example, if “No” is selected in FIG. 6B, it is determined that the user has no intention to remit, and the process is not performed without remittance. finish.

  On the other hand, when the remittance is confirmed in step S7, for example, when “Yes” is selected in FIG. 6B, the control unit 28 controls the mobile terminal 20 of the user B and the user A. While displaying on the display means 27 that the portable terminal 10 is approached, infrared communication or between the short-range wireless communication function unit 24 of the portable terminal 20 and the short-range wireless communication function unit 14 of the portable terminal 10 Near field communication such as RFID communication is started (step S8).

  As shown in FIG. 2, electronic money (transfer amount) of 3,000 yen is transferred from the mobile terminal 20 to the mobile terminal 10 by performing short-range wireless communication between the two terminals. At this time, the identification information ID2 of the portable terminal 20 is added to the information of the electronic money of 3,000 yen sent to the portable terminal 10. When this communication is completed, the control means 28 of the portable terminal 20 is the remaining amount obtained by reducing the transfer amount of 3,000 yen from 8,000 yen of the electronic money stored (charged) in the storage means 23. The storage unit 23 is updated with 5,000 yen as a new electronic money balance (step S9).

  Next, with reference to the flowchart of FIG. 4, the process performed in the portable terminal 10 of the user A who is a receiving side is demonstrated.

  When the electronic money is received by the short-distance wireless communication between the two portable terminals in step S11, the control means 18 of the user A's portable terminal 10 displays a display prompting the display means 17 to confirm the receipt. (Step S12). At this time, it is preferable to display the display unit 17 as shown in FIG. 6C, for example.

  In the case where confirmation that electronic money is not received in step S13, for example, when “No” is selected in FIG. 6C, user A does not intend to receive electronic money from user B. In step S14, the control unit 18 terminates the electronic money receiving process after performing a process of notifying the user A of a transaction refusal notification (step S14). In this case, electronic money is not delivered.

  If it is confirmed in step S13 that electronic money is received, for example, if “Yes” is selected in FIG. 6C, the mobile terminal 20 changes the mobile terminal 10 to 3, as shown in FIG. This means that 000 yen worth of electronic money has moved. Therefore, the control means 18 of the mobile terminal 10 is 13,000 yen, which is an amount obtained by increasing the transfer amount of 3,000 yen to 10,000 yen of electronic money stored (charged) in the storage means 13. Is updated as a new electronic money balance (step S15). Note that, within the storage means 13, by storing the electronic money for 3,000 yen received from the mobile terminal 20 with the identification information ID2 of the mobile terminal 20 added thereto, the electronic money 10, A distinction is made between 000 yen and the transfer amount of 3,000 yen. As a result, the delivery process of 3,000 yen worth of electronic money from the mobile terminal 20 of the user B to the mobile terminal 10 of the user A by the short-range wireless communication is completed. Note that the mobile terminal 10 may not confirm receipt of the user A. That is, for example, when the short-range wireless communication function units 14 and 24 are combined with the non-contact IC card function units 12 and 22 to realize non-contact type IC communication, the mobile terminal 10 and the mobile terminal 20 are mutually connected. It is desirable that the receiving side (portable terminal 10) can receive data without doing anything simply by bringing the non-contact IC card function units 12 and 22 close together and the remittance side (portable terminal 20) simply presses the “send button”. (In this case, the flow on the receiving side is “start” → S11 → S15 → “end” in FIG. 4).

  Next, a description will be given of processing in a case where, after delivering electronic money between portable terminals, the portable terminal on the electronic money receiving side makes a payment with the electronic money to the POS terminal on the store side.

  In the flowchart of FIG. 5, it is assumed that electronic money of 3,000 yen has been transferred from user B (mobile terminal 20) to user A (mobile terminal 10).

  When user A settles 7,000 yen, which is the price (purchase amount) of the product X, the non-contact IC card function unit 12 of the mobile terminal 10 is brought closer to the IC card reader / writer 41 of the store-side POS terminal 40. Thereby, the POS terminal 40 starts communication with the portable terminal 10 and reads the electronic money balance stored in the storage means 13 of the portable terminal 10 (step S21).

  The control means 43 of the POS terminal 40 compares the price of the product X (7,000 yen) with the electronic money balance of the mobile terminal 10 including the electronic money (3,000 yen) received from the mobile terminal 20 (step S22). ).

  When the balance of the electronic money of the mobile terminal 10 is less than the purchase amount, payment by electronic money cannot be made due to the lack of electronic money. In this case, the settlement process using electronic money is terminated, and the user takes other measures such as paying with cash.

  If the total electronic money balance is equal to or greater than the purchase amount, the entire amount can be settled with electronic money, so the control means 43 of the POS terminal 40 settles the purchase amount from the electronic money balance of the mobile terminal 10. . At this time, the POS terminal 40 preferentially settles from the amount of the electronic money balance stored in the storage unit 13 of the mobile terminal 10 to which the ID of another mobile terminal is added. Details of the settlement procedure will be described below.

  First, the control means 43 determines whether or not there is money amount data with identification information of another mobile terminal in the electronic money balance stored in the storage means 13 of the mobile terminal 10 (step S24). Here, when there is no amount data in which the identification information of another portable terminal is added to the electronic money balance stored in the storage unit 13, the payment is performed in the same procedure as the normal electronic money payment. That is, the control means 43 starts communication between the POS terminal 40 and the mobile terminal 10, updates the electronic money balance information stored in the storage means 13 of the mobile terminal 10 (step S25), and performs a series of transactions. Information is transmitted to the server 50 via the POS side transmission means 42 (step S26), and the electronic money settlement process is terminated.

  When the amount data to which the identification information of the other portable terminal is added is found in step S24, the control unit 43 first makes a settlement with priority from the electronic money to which the identification information of the other portable terminal is added. (Step S27). Next, it is determined whether or not all payments have been completed with the electronic money to which the identification information of the other portable terminal is added (step S28). Exit. If the payment is not completed only with the electronic money to which the identification information of the other mobile terminal is added, the shortage is settled by subtracting from the electronic money balance (10,000 yen) that the mobile terminal 10 originally had. (Step S29).

  In the case of this example, as shown in FIG. 2, before user A uses the mobile terminal 10 to make a payment, the user B receives electronic money for 3,000 yen from the mobile terminal 20 of the user B. Therefore, through communication between the mobile terminal 10 and the POS terminal 40, it is recognized that the electronic money balance of the mobile terminal 10 includes 3,000 yen of electronic money with the identification information ID2 of the mobile terminal 20. However, since 3,000 yen is less than the purchase amount of 7,000 yen, the insufficient amount of 4,000 yen is paid from the electronic money charged in the mobile terminal 10 of the user A. The POS terminal 40 adds 4,000 yen of electronic money received from the mobile terminal 10 to which the identification information ID1 of the user A (mobile terminal 10) is added and the addition of the identification information ID2 of the user B (mobile terminal 20). The 3,000 yen worth of electronic money is transmitted to the server 50 via a dedicated line or the like. The server 50 includes a memory area for each user (identification information), that is, a server area 51 for the user A (identification information ID1) and a server area 52 for the user B (identification information ID2). The transaction details (electronic money balance, transaction date and time, transaction amount, transaction content, etc.) by electronic money are stored for each. The server 50 updates the transaction details stored in each server area based on the identification information added to the electronic money received from the POS terminal 40. That is, when the server 50 receives 4,000 yen of electronic money to which the identification information ID1 is added and 3,000 yen to which the identification information ID2 is added from the POS terminal 40, the server 50 is based on the identification information ID1. Then, 4,000 yen is subtracted from the electronic money balance in the server area 51, and 3,000 yen is subtracted from the electronic money balance in the server area 52 based on the identification information ID2, thereby updating the transaction details of each server area.

  Although not shown, the server 50 also has a server area for storing transaction details of electronic money on the store side, and stores identification information (not shown) added to the electronic money when transmitted from the POS terminal 40. The transaction details stored in the store server area are updated (in the present embodiment, 7,000 yen is added to the electronic money balance in the store server area). Further, based on the store identification information added to the electronic money, the server area 51 and the server area 52 have a payment amount of “store Y” as transaction contents of 4,000 yen and 3,000 yen, respectively. You may record the effect.

  By doing in this way, even if one or both of user A and user B operate the mobile terminal outside the so-called radio wave range (outside the wireless communicable area), electronic money can be delivered between users. Therefore, for example, when paying when eating and drinking by a plurality of people, each user can set his / her own payment amount, and the actual settlement can be performed only once by one person. In addition, since electronic money is transferred between portable terminals using short-range wireless communication such as infrared communication or RFID communication without going through the electronic money processing server 50, it is not necessary to separately notify the remittance partner of the remittance. Further, by repeating short-range wireless communication between any two users, shared payments can be made by three or more users.

(Second Embodiment)
Next, settlement processing by the electronic money settlement system according to the second embodiment of the present invention will be described with reference to the conceptual diagram of FIG. In the present embodiment, the outline of the processing procedure is the same as that of the first embodiment described above, and the same description is omitted. Also in the present embodiment, using the same example as in the first embodiment described above, the user A's mobile terminal 20 is charged with 10,000 electronic money, and the user B's mobile terminal 10 In the state where 8,000 yen of electronic money is charged, 4,000 yen from user A's electronic money and 3,000 yen from user B's electronic money for product X of 7,000 yen An explanation will be given of the case of paying minutes.

  In the present embodiment, as shown in FIG. 7, when electronic money (transfer amount) of 3,000 yen is transferred from the mobile terminal 20 of the user B to the mobile terminal 10 of the user A, the electronic money is transferred to the electronic money. The identification information ID2 of the portable terminal 20 is attached, and the gift tag 2 indicating that the remittance is made to the user A is also attached. The A / G of the gift tag 2 indicates “gift for the user A” for convenience. The gift tag 2 is automatically attached by the setting means 25 when the user B sets the remittance amount for the user A by operating the mobile terminal 20, and the user B is aware of that. Processing is performed at least.

  The mobile terminal 10 of the user A that has received the electronic money with the gift tag 2 from the mobile terminal 20 of the user B stores the electronic money in the storage unit 13 and updates the electronic money balance. Next, when the user A pays for the product X of 7,000 yen at the store, the non-contact IC card function unit 12 of the mobile terminal 10 is brought close to the IC card reader / writer 41 of the POS terminal 40, and the POS. The terminal 40, from the electronic money balance stored in the storage means 13 of the portable terminal 10, receives a total of 7,000 yen of electronic money including 3,000 yen of electronic money to which the identification information ID2 of the portable terminal 20 is added. Receive.

  The POS terminal 40 that has received 7,000 yen of electronic money from the portable terminal 10 and 4,000 yen of electronic money to which the identification information ID1 of the user A (mobile terminal 10) is added, and the user B (mobile terminal) The electronic money for 7,000 yen in total with the electronic money for 3,000 yen to which the identification information ID2 of 20) is added is transmitted to the server 50 via a dedicated line or the like. When receiving the electronic money from the POS terminal 40, the server 50 updates the transaction details in the corresponding server area based on the identification information added to the electronic money. That is, 4,000 yen is subtracted from the electronic money balance in the server area 51 based on the identification information ID1, and 3,000 yen is subtracted from the electronic money balance in the server area 52 based on the identification information ID2. Update transaction details.

  Although not shown, when electronic money is transmitted from the POS terminal 40 to the server 50, the electronic money includes identification information (store identification information) of the store (store Y) using the POS terminal 40. Added. Based on the store identification information added to the electronic money, the server area 51 records that the payment amount is “store Y” as transaction contents of 4,000 yen. On the other hand, the above-mentioned gift tag 2 is added to the electronic money of 3,000 yen to which the identification information ID2 is added, and this gift tag 2 is prioritized over the store identification information added at the POS terminal. That is, in the server area 52, the fact that “gift to A (transfer amount)” is recorded as transaction contents of 3,000 yen.

  As in the first embodiment, the server 50 also has a server area (not shown) for recording the transaction details of the store-side electronic money. Based on the added store identification information, the transaction details are updated by adding 7,000 yen to the electronic money balance in the store server area.

  As described above, according to the present embodiment, when the user A receives the transfer of electronic money from the user B and then makes a payment that the user B does not know, the payee is reflected in the server area 52 of the user B. It is possible to avoid the payment details being known to the user B.

(Third embodiment)
Next, with reference to the conceptual diagram of the process of FIG. 8 and the flowchart of FIG. 9, a settlement method using the electronic money delivery method according to the third embodiment of the present invention will be described. In the present embodiment, the same description is omitted for portions where the outline of the processing procedure is the same as in the first and second embodiments. Also in the present embodiment, using the same example as the first and second embodiments described above, the user A's mobile terminal 20 is charged with 10,000 electronic money, and the user B's In a state where the mobile terminal 10 is charged with 8,000 yen of electronic money, 4,000 yen from the user A's electronic money and 3% from the user B's electronic money for the product X of 7,000 yen. An explanation will be given of the case of paying 1,000 yen.

  In the present embodiment, as shown in FIG. 8, when the user B uses the mobile terminal 20 to transfer 3,000 yen of electronic money to the mobile terminal 10 of the user A, the mobile terminal 20 In addition to the identification information ID1 and the gift tag 2, the setting unit 25 further transmits electronic money with a transaction ID3 for specifying each transaction between terminals. This electronic money is transmitted to the mobile terminal 10 of the user A, and the information remains in the storage area 23 of the mobile terminal 20 of the user B. The transaction ID 3 is set to a different number for each transaction such as a serial number for transactions between terminals or a number determined based on the date and time so that each transaction can be specified. Further, it is preferable that the transaction ID 3 is automatically set by the setting means 25. However, for example, as shown in FIGS. 6A to 6C so that each user can visually recognize the transaction ID. It can also be displayed on the display means of the portable terminal in each scene.

  When the mobile terminal 10 of the user A stores the electronic money received from the mobile terminal 20 of the user B in the storage area 13, the transaction ID 3 is also stored together. The transaction ID 3 is also added when the user A performs settlement with electronic money using the mobile terminal 10 and transmits the electronic money to the POS terminal 40, and further when the POS terminal 40 transmits the electronic money to the server 50. To send. The scene of the electronic money settlement process performed at the POS terminal 40 and the scene until the electronic money is sent to the server 50 are different from the second embodiment except that the transaction ID 3 is attached to the sent electronic money. There is no place.

  Next, processing performed by the server 50 that has received the electronic money attached with the transaction ID 3 from the POS terminal 40 will be described with reference to the flowchart of FIG.

  First, in step S31, the server 50 determines whether or not the transaction ID 3 is attached to the electronic money received from the POS terminal 40. When the transaction ID 3 is attached to the electronic money, the transaction with the same transaction ID as the transaction ID attached to the electronic money is referred to the server area corresponding to the identification information attached to the electronic money. It is determined whether or not the content of is stored (step S32).

  If the contents of a transaction with the same transaction ID have already been stored, the electronic money information may be added or subtracted in duplicate if an attempt is made to store the contents of the transaction related to the transaction ID 3 again. Therefore, in this case, the contents of the transaction are not reflected in the corresponding server area, and the processing of the electronic money information in the server 50 is terminated.

  If the contents of the transaction with the same transaction ID are not stored in step S32, the transaction details in the corresponding server area are updated based on the electronic money including the transaction ID 3 (step S33). The processing in the information server 50 is terminated.

  If the transaction ID 3 is not attached to the electronic money information in step S31, the description is omitted because it is the same as in the first embodiment or the second embodiment.

  In the case of this example, as shown in FIG. 8, when the server 50 receives electronic money from the POS terminal 40, the server 50 deducts 4,000 yen from the electronic money balance in the server area 51 based on the identification information ID1. The transaction details in area 51 are updated.

  Further, based on the store identification information added to the electronic money when the electronic money is transmitted from the POS terminal 40 to the server 50, the transaction details in the server area 51 include “store Y” as the transaction content of 4,000 yen. ”Is recorded.

  On the other hand, transaction ID3 is added to 3,000 yen worth of electronic money to which identification information ID2 is added. The server 50 refers to the server area 52 based on the identification information ID2 added to the electronic money, and confirms that the same transaction ID as the transaction ID3 has not been recorded before the transaction in the server area 52 Update line items. Since the above-described gift tag 2 is attached to the electronic money, the gift tag 2 is given priority over the store identification information, and the server area 52 has a transaction content of 3,000 Yen as “gift (transfer to A Amount of money) ”is recorded, and transaction ID 3 is recorded in association with the transaction content.

  As in the first embodiment, the server 50 also has a server area (not shown) for storing the transaction details of the store-side electronic money. Based on the added store identification information, the transaction details are updated by adding 7,000 yen to the electronic money balance in the store server area.

  Subsequently, referring to FIG. 10, after the processing shown in FIG. 8, i.e., after the user A settles with the electronic money of the mobile terminal 10 including the electronic money received from the mobile terminal 20 of the user B, the user Processing when B purchases another product with the electronic money of the mobile terminal 20 will be described.

  In FIG. 8, after the electronic money is transferred to the mobile terminal 10, information indicating that 3,000 yen of electronic money has been transferred to the user A is stored in the storage area 23 of the mobile terminal 20 of the user B, that is, the gift tag 2 and The transaction ID 3 is added, and 3,000 yen of electronic money stored separately from the balance of 5,000 yen still remains.

  Thereafter, for example, it is assumed that the user B purchases “product Y” of 100 yen and uses the mobile terminal 20 to pay for the electronic money. Then, for the first time, the electronic money for 3,000 yen sent to the user A together with the electronic money for 100 yen is transmitted to the server area 52 of the user B via the POS terminal 40 ′ with the transaction tag 3. Will be.

  Of the electronic money that has arrived at the server 50, 100 yen worth of purchase of “product Y” is written in the transaction details as usual in the server area 52 of the user B in accordance with normal electronic money settlement. However, for the electronic money of 3,000 yen, referring to the transaction ID 3, the transaction information of the electronic money having the same transaction ID is already recorded in the user B server area 52. Therefore, in this case, the processing is terminated without double recording of electronic money transaction information having the same transaction ID.

  By doing in this way, even when the user A who has received the remittance from the user B performs the electronic money settlement with the portable terminal 20 before the user A performs the electronic money settlement with the portable terminal 10. Thus, it is possible to avoid a contradiction between the electronic money balances stored in the storage units 13 and 23 of the mobile terminals 10 and 20 and the electronic money balances recorded in the server areas 51 and 52 of the user A and the user B.

Hereinafter, as an example, referring to FIG. 11, after the user B sends electronic money to the user A, the user B uses the mobile terminal 10 to make payment with the electronic money before the user B uses the mobile terminal 20. The processing when using electronic money for payment will be described.

  First, when 3,000 yen of electronic money is transferred from the mobile terminal 20 of the user B to the mobile terminal 10 of the user A, since the transaction ID 3 is attached, the storage units 13 and 23 of the mobile terminals 10 and 20 are used. The transaction ID 3 is also stored together with the electronic money that has been delivered.

  After this, as shown in FIGS. 2, 7, and 8, there is no problem if the user A immediately uses the electronic money of the mobile terminal 20, but the user A has not used the electronic money of the mobile terminal 10 for a while. As for the transfer of 3,000 yen of electronic money between terminals, each user area of the server 50 is not updated. Therefore, in the processing shown in FIG. 2 and FIG. 7, the user B's server area 52 is not updated unless the user A uses the electronic money of the mobile terminal 20, and therefore when the user B uses the electronic money of the mobile terminal 20. There may be a problem that the balance stored in the storage means 23 and the balance stored in the server area 52 do not match.

  Therefore, as shown in FIG. 8, the transaction ID 3 is added to the transfer of the electronic money between the terminals, and both the terminals store the transfer to solve the above problem.

  That is, in FIG. 11, after transferring 3,000 yen of electronic money from the mobile terminal 20 to the mobile terminal 10, before the user A uses the electronic money of the mobile terminal 10, the user B Suppose that it purchased using the electronic money of the portable terminal 20. FIG.

  When the POS terminal 40 ′ receives 100 yen of electronic money from the storage means 23 of the mobile terminal 20, it identifies that 3,000 yen of electronic money with the transaction ID 3 is stored. The electronic money for 3,000 yen to which the transaction ID 3 is added is also received. Subsequently, the POS terminal 40 'transmits the received 100 yen worth of electronic money and 3000 yen worth of electronic money to the server 50 via a dedicated line or the like.

  The server 50 subtracts 100 yen from the electronic money balance in the server area 52 based on the identification information ID2 added to the electronic money for 100 yen received from the POS terminal 40 '. Furthermore, based on the identification information ID2 added to the electronic money for 3,000 yen received from the POS terminal 40 ', the server ID 52 is referred to, and the same transaction ID as the transaction ID3 added to the electronic money. After confirming that is not already recorded, the transaction details in the server area 52 are updated. At this time, since the above-described gift tag 2 is attached to the electronic money, the gift tag 2 is given priority over the store identification information, and in the server area 52, the transaction content of 3,000 yen is displayed as “Transaction to A”. “Gift (transfer amount)” is recorded, and transaction ID 3 is recorded in association with the transaction content.

  At this time, the electronic money for 3,000 yen sent from the mobile terminal 20 is reserved in the storage means 13 of the mobile terminal 10 without being used. Thereafter, when the user A makes a payment with the electronic money sent from the user B, for example, by purchasing some other product, the electronic money is given a transaction ID 3 as described in FIG. It is sent to the server area 52 of the user B as it is. However, since the transaction ID 3 attached to the electronic money information exists in the transaction details already recorded in the server area 52, no record of reduction is left for the electronic money information. Therefore, even if the payment is made using the electronic money repatriated by the user B after the user A waits, it is avoided that the billing record remains in the server area 52 of the user B. .

  In addition, this invention is not limited only to the said embodiment, Many deformation | transformation or a change is possible. For example, the gift tag 2 is used in the second embodiment, and the gift tag 2 and the transaction ID 3 are used in the third embodiment. However, the gift tag 2 and the transaction ID 3 are separately used according to the purpose. Of course, they can be used in combination or in combination.

  In each of the above embodiments, the short-range wireless communication is described as infrared communication or RFID communication. However, communication using a wireless LAN or Bluetooth (registered trademark) may be used. Furthermore, in each said embodiment, although the non-contact IC card function part of each portable terminal and the short-distance wireless communication part were demonstrated as a separate functional block, as a single functional part which serves as both of these functions Of course, it can also be implemented in a portable terminal.

It is a functional block diagram which shows the outline of the portable terminal used for the electronic money payment system which concerns on 1st Embodiment of this invention, the POS terminal installed in the shop side, and an electronic money processing server. It is a conceptual diagram of the electronic money payment process which concerns on 1st Embodiment. It is a flowchart explaining the electronic money remittance process of the portable terminal which concerns on 1st Embodiment. It is a flowchart explaining the electronic money reception process of the portable terminal which concerns on 1st Embodiment. It is a flowchart explaining the electronic money payment process of the POS terminal which concerns on 1st Embodiment. It is the schematic of the display screen of the portable terminal which concerns on 1st Embodiment. It is a conceptual diagram of the electronic money payment process which concerns on 2nd Embodiment. It is a conceptual diagram of the electronic money payment process which concerns on 3rd Embodiment. It is a flowchart explaining the detailed update process of the electronic money processing server which concerns on 3rd Embodiment. It is a conceptual diagram of the electronic money payment process which similarly concerns on 3rd Embodiment. It is a conceptual diagram of the electronic money payment process which similarly concerns on 3rd Embodiment. It is a conceptual diagram explaining the conventional electronic money delivery process.

Explanation of symbols

1 Remittance tag 2 Gift tag 3 Transaction ID
DESCRIPTION OF SYMBOLS 10 Mobile terminal 11 Wireless communication means 12 Non-contact IC card function part 13 Storage means 14 Short-range wireless communication part 15 Setting means 16 Input means 17 Display means 18 Control means 10 Mobile terminal 21 Wireless communication means 22 Non-contact IC card function part 23 Storage unit 24 Short-range wireless communication unit 25 Setting unit 26 Input unit 27 Display unit 28 Control unit 40 POS terminal 41 IC card reader / writer 42 POS side transmission unit 50 Electronic money processing server 51 User A server area 52 User B server area

Claims (7)

An electronic money payment system including a first portable terminal, a second portable terminal, a payment terminal, and an electronic money management server,
The first portable terminal is
Setting means for setting a transfer amount together with transferee information based on user input;
Storage means for storing its own identification information and electronic money balance;
Transmission means for transmitting electronic money corresponding to the transfer amount set by the setting means to the second portable terminal together with its own identification information stored in the storage means,
The second portable terminal is
Receiving means for receiving identification information transmitted from the first portable terminal and electronic money corresponding to the transfer amount;
A storage unit that stores its own identification information and electronic money balance, and stores electronic money corresponding to the transfer amount received by the reception unit in association with the identification information of the first portable terminal;
The payment terminal is
A reader / writer capable of reading and updating information stored in the storage means of the second portable terminal;
Of the electronic money balance included in the information read by the reader / writer and the electronic money corresponding to the transfer amount, a value obtained by subtracting the billing amount from the electronic money corresponding to the transfer amount is calculated as a new balance. Control means for updating the electronic money balance in the storage means to the calculated new balance via the reader / writer;
Of the billing amount, the payment amount by electronic money corresponding to the transfer amount is transmitted to the electronic money management server together with the identification information of the first portable terminal, and the payment amount from the electronic money balance is the second amount. Transmitting means for transmitting to the electronic money management server together with identification information of the portable terminal;
An electronic money settlement system comprising: In the first mobile terminal,
The transmitting means further adds information indicating that the transfer is to be transferred to the second portable terminal and transmits electronic money corresponding to the transfer amount to the second portable terminal,
In the payment terminal,
The transmission means adds the information indicating that the transfer amount by electronic money corresponding to the transfer amount of the charge amount is transfer to the second mobile terminal, and manages the electronic money The electronic money settlement system according to claim 1, wherein the electronic money settlement system is transmitted to a server. In the first mobile terminal,
The electronic money settlement according to claim 1, wherein the transmission unit further adds the unique transaction ID to electronic money corresponding to the transfer amount and transmits the electronic money to the second mobile terminal. system.   The first portable terminal updates a value obtained by subtracting the transfer amount set by the setting unit from the electronic money balance stored in the storage unit as a new electronic money balance. Item 4. The electronic money settlement system according to any one of Items 1 to 3. A portable terminal used in an electronic money payment system,
Setting means for setting a transfer amount together with transferee information based on user input;
Storage means for storing its own identification information and electronic money balance;
Transmitting means for transmitting electronic money corresponding to the transfer amount set by the setting means, together with its own identification information, to other mobile terminals by short-range wireless communication;
Receiving means for receiving identification information and electronic money transmitted from the other portable terminal by short-range wireless communication;
Control means for controlling updating of the electronic money balance stored in the storage means based on the electronic money transmitted to the other terminal by the transmitting means or the electronic money received from the other terminal by the receiving means; ,
A portable terminal comprising:   6. The transmission unit according to claim 5, further comprising: information indicating that the transfer is to be transferred to another mobile terminal, and transmitting electronic money corresponding to the transfer amount to the other mobile terminal. The portable terminal described.   The mobile terminal according to claim 5 or 6, wherein the transmission unit further adds a transaction ID unique to the electronic money corresponding to the transfer amount and transmits the electronic money to the other mobile terminal.

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