JP2008191720A - Electronic money charge system, electronic money charge issuing management system and electronic money provider system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To surely recover a situation, even when such a situation occurs that electronic money is not charged in a portable telephone set 2 although deposit is subtracted from the account of a customer A since communication may be disconnected at any portion in charging electronic money through a network to the portable telephone set. <P>SOLUTION: The electronic money charge system stores a charge request number from a customer and the identification number, charge amount and reception status of an IC chip into an electronic money issue reception information database 7 of an electronic money provider 4, and stores the charge request number and the identification number and processing status of the IC chip into an electronic money reception processing database 8 of an electronic money issue management company 3, and utilizes effectively those pieces of information. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an electronic money charging system using a portable terminal such as a cellular phone.

  In recent years, mobile electronic money services have been started by installing non-contact IC cards in mobile phones. From getting on trains, airplanes, taxis, etc. to payments at convenience stores, coffee shops, etc., it can be used easily and conveniently with a single mobile phone, and the conventional electronic money charging system is limited to places such as dedicated devices and ticket machines The use is expanding because it is possible to charge (issue) anytime, anywhere.

  Here, in charging using a mobile phone, first, a user connects an IC card to his / her mobile phone, accesses a financial institution system having his / her account via the mobile phone network, and stores electronic money. Request a charge.

  The financial institution system that has accepted the request identifies the user's account, performs authentication based on the personal identification number, confirms the account balance, and generates electronic money information corresponding to the charge request amount. This information is encrypted with a predetermined algorithm and transmitted to the user's mobile phone. The transmitted electronic money information is decrypted by the mobile phone and stored in the IC card. Thereby, payment using electronic money becomes possible.

  As described above, while an electronic money system has been developed in pursuit of convenience, a technology for effectively preventing an unauthorized act of a user of a mobile phone has also been developed (Patent Document 1). In addition, a technology for preventing mobile phone users from illegally charging electronic money information has been developed (Patent Document 2). Furthermore, a technique for preventing unauthorized use of electronic money information charged between mobile phones has been developed (Patent Document 3).

  However, electronic money using a mobile phone must be charged with certainty despite being via an unstable network. The technology that focuses on this point is not yet well known.

  That is, so-called mobile net communication is unstable compared to direct communication with an IC card reader / writer. There is a high possibility that communication will be interrupted during the addition / subtraction of value, such as radio wave disconnection, mobile phone battery exhaustion, and host down. Even under such communication conditions, it is necessary to reliably add and subtract values. The certainty means that addition / subtraction does not overlap and that addition / subtraction data is not lost.

  Here, FIG. 7 is a block diagram for explaining a problem to be solved by the present invention. In the figure, reference numeral 1 denotes a mobile phone possessed by a customer A. Reference numeral 2 denotes a financial institution having a deposit account contracted by the customer A and a deposit account contracted by the electronic money business, and has an account deposit / withdrawal information database 6.

  3 is an electronic money issuance management company that accepts a charge request from the mobile phone 1 and is connected between the financial institution 2 and an electronic money business operator, which will be described later, via a communication line, and manages both of them. The electronic money acceptance processing database 8 stores the acceptance processing status of the electronic money issuance request.

  Reference numeral 4 denotes an electronic money business operator that performs electronic money reception management, and has an electronic money issue / reception information database 7 that stores the reception status of electronic money. Reference numeral 5 denotes a non-contact IC chip mounted on the mobile phone 1.

  Next, the procedure for the customer A to charge the mobile phone 1 with electronic money will be described. First, the customer A mounts the non-contact IC chip 5 on the mobile phone 1. In the electronic money area of the non-contact IC chip 5, an identification number (123) unique to the non-contact IC chip 5 is stored, and the stored amount is assumed to be 0 yen. And customer A shall charge this amount of 1000 yen.

  (1) First, the customer A makes an internet connection with the electronic money issue management company 3 using the mobile phone 1 and makes a charge request (issue request). The data to be transmitted includes the charge request number (40), the customer's own payment source account information (7890) in the financial institution 2, the amount to be charged (1000 yen), the identification number (123) of the non-contact IC chip 5, and the like.

  (2) Next, in response to this, the electronic money issue management company 3 connects to the financial institution 2 via the network and makes a settlement request. The data to be transmitted includes the customer A's payment source account information (7890) and the amount to be charged (1000 yen). In response to this, the financial institution 2 moves 1000 yen from the payment source account to the account (5678) of the electronic money business operator 4 and ends the settlement. At the same time, the financial institution 2 stores in the account deposit / withdrawal information database 6 that 1000 yen has been deposited from the payment source account (7890) to the account (5678) of the electronic money business operator 4.

  (3) Next, the financial institution 2 replies to the electronic money issue management company 3 with respect to this settlement request whether or not the settlement has been correctly performed (OK / NG). If there is a shortage of balance in the payment source account (7890), the answer is NG.

  (4) Upon receiving an OK response, the electronic money issuance management company 3 sends the above-mentioned charge request number (40), non-contact IC chip identification number (123), charge amount (1000 yen) to the electronic money business operator 4. Request to issue electronic money with In response to this, the electronic money business operator 4 receives the charge request number (40) in the electronic money issuance / reception information database 7, the identification number (123) of the non-contact IC chip corresponding thereto, and the charge amount (1000 yen). ) And the receipt status (currently “not received”) are stored, and preparation for issuing an electronic money charge is made.

  (5) Next, in response to the electronic money issue request, the electronic money business operator 4 replies to the electronic money issue management company 3 whether or not preparation for issue has been made correctly (OK / NG).

  (6) Upon receipt of this, the electronic money issue management company 3 returns to the customer A whether or not the issue preparation has been made correctly (OK / NG).

  (7) Thereafter, the customer A uses the mobile phone 1 to make an electronic money receipt request by sending an identification number (123) to the electronic money business operator 4.

(8) In response, the electronic money business operator 4 transmits the issued electronic money data to the mobile phone 1 of the customer A. At the same time, the reception status stored in the electronic money issuance / reception information database 7 is updated from “not received” to “received”. As a result, 1000 yen is charged (issued) in the amount stored in the electronic money area of the non-contact IC chip 5-2, and the customer A having the mobile phone 1 can pay using electronic money.
JP 2006-65620 (paragraph 0003) JP 2003-296646 A JP 2006-221295 A

 That is, in the electronic money charge system using the mobile network shown in FIG. 7, as described above, communication may be interrupted during the addition / subtraction of value, such as radio wave disconnection, mobile phone battery exhaustion, host down, etc. There is. This can occur in various places (1) to (8).

  For example, from the viewpoint of the electronic money issue management company 3, if you made a payment request (2) to the financial institution 2, but did not receive the response (3), did you get an error after you received it? It is unknown whether an error occurred during the transmission stage. As for the answer of (6), from the viewpoint of the electronic money issue management company 3, it can be seen that the correct charge request (issue request) of (1) has been received from the customer A, but the subsequent processing is performed ( I don't know if the answer 6) arrived correctly.

  Among them, the biggest problem in terms of service to customers is that (1) and (2) are correctly performed, but (3) to (8) This is a case where communication is interrupted at either. That is, from the viewpoint of the customer A, there is a situation in which electronic money is not charged (issued) in the mobile phone 2 even though the deposit is subtracted from his / her account.

  An object of the present invention is to provide an electronic money charge system that can reliably recover even if such a situation occurs.

  In (7) and (8) of FIG. 7, the electronic money business operator 4 receives the above-mentioned electronic money receipt request (7), and the subsequent electronic money issuance (8) is interrupted in the middle of the communication. There is a risk of not being issued. This state is that, from the viewpoint of the customer A, an electronic money receipt request (7) has been issued, but no electronic money has been issued.

  However, in this state, for the customer A, the answer (6) indicating that the preparation for issuing electronic money is correctly received is received, and for the electronic money business operator 4, the receipt status of the electronic money issue / receipt information database 7 is received. Since the column is “not received”, there is no contradiction in the recognition of both. Therefore, this problem is solved by the customer A sending the electronic money receipt request (7) many times.

  In order to solve such a problem, the present invention identifies the charge request number (40) from the customer in the electronic money issue / receipt information database 7 of the electronic money business 4 and the identification of the non-contact IC chip corresponding thereto. Number (123), charge amount (1000 yen) and receipt status (“not received” or “received”) are stored, and the charge request number (40) is stored in the electronic money acceptance processing database 8 of the electronic money issuance management company 3. ) And the identification number (123) of the non-contact IC chip, further storing the processing status, and effectively utilizing these information.

  The electronic money charging system according to claim 1 is equipped with an IC chip that holds an identification number, and charges an amount in a customer's financial institution account as electronic money to the IC chip upon request from a mobile terminal held by the customer. The electronic money charge system has an electronic money business operator system and an electronic money issuance management system, and confirms whether or not there is payment based on the request number and identification number when making an inquiry from the customer. Makes a re-request for issuance to the electronic money business operator system, and the electronic money business operator system that has received the re-issue request issues electronic money according to the reception status stored in the electronic money issue / reception information database.

  Accordingly, it is possible to deal with a complaint from the customer that electronic money is not charged (issued) to the customer's mobile terminal even though the deposit is subtracted from the customer's account.

  The electronic money charge issuance management system according to claim 2 confirms whether or not the charge amount has been deposited in the financial institution account of the electronic money company based on the request number and the identification number when making an inquiry from the customer. In the case where there is, the electronic money issuer system is re-requested to issue electronic money. As a result, it is possible to respond to customer complaints as in the first aspect.

  The electronic money charging system according to claim 3 is equipped with an IC chip that holds an identification number, and charges the amount in the customer's financial institution account as electronic money to the IC chip upon request from a mobile terminal held by the customer. In the electronic money charging system, batch processing confirms whether processing up to a predetermined step has been completed based on the processing status stored in the electronic money acceptance processing information storage device. Issue electronic money from the operator system.

  This recovers the situation in which electronic money is not charged (issued) in the mobile terminal even though the deposit is subtracted from the customer's account by batch processing.

  5. The electronic money charge issuance management system according to claim 4, wherein batch processing confirms the presence / absence of reply processing based on the processing status stored in the electronic money acceptance processing information storage device, and unanswered processing is performed despite payment. In this case, a process for instructing the electronic money issuer system to issue electronic money again is performed. This is recovered by batch processing as in the third aspect.

  An electronic money business operator system for charging electronic money according to claim 5 stores a reception status of electronic money by a mobile terminal of a customer in correspondence with a request number and an identification number, and the electronic money business operator system The electronic money is issued in accordance with the reception status stored in the electronic money issue / reception information storage device. As a result, not-yet receipt is prevented, and at the same time, even when there is an issuance request due to a complaint from a customer during recovery of batch processing, double issuance of electronic money is prevented.

  The electronic money charge issuance management system according to claim 6 includes an electronic money acceptance processing information storage device in which a charge amount, a request number, and an identification number are stored corresponding to the processing status.

According to the present invention, a charge amount, a request number, and an IC chip identification number transmitted when requesting a charge from a customer's mobile terminal are stored in a storage device, and this is used to make a complaint from the customer. Or a batch process, so that even though the deposit is subtracted from the customer's account, there is a situation where electronic money is not charged (issued) to the mobile terminal. Even if you can recover reliably.

  In addition, the electronic money issue / receipt information storage device of the electronic money business operator system according to the present invention stores the electronic money receipt status by the mobile terminal of the customer in correspondence with the request number and the identification number. Even when there is an issuance request due to a complaint from a customer at the same time during the recovery of processing, it is possible to avoid issuing electronic money twice.

  FIG. 1 is a block diagram showing the best mode for carrying out the present invention. In this figure, the configuration is almost the same as that of FIG. Reference numeral 1 denotes a mobile phone possessed by the customer A. Reference numeral 2 denotes a financial institution having a deposit account contracted by a customer A and a deposit account contracted by an electronic money company, and has an account deposit / withdrawal information database 6 and is controlled by a server (not shown).

  3 is an electronic money issuance management company that accepts an electronic money issuance request from the mobile phone 1 of the customer A, makes a request for payment to a financial institution, and issues an electronic money issuance request to an electronic money provider described later. It is controlled by a server not shown. Furthermore, the electronic money acceptance processing database 8 is stored for storing the acceptance processing status of the electronic money issuance request. Reference numeral 4 denotes an electronic money business operator that issues and receives electronic money, and has an electronic money issuance / reception information database 7 for storing electronic money receipt status, and is controlled by a server (not shown).

  FIG. 2 shows the stored contents of the electronic money acceptance processing database 8. The date and time when the charge request is made, the request number, the identification number of the IC chip 5, the issue amount indicating the amount of the charge request, and the processing status. The details of the processing status column are “accepted” because (1) in the figure is completed because it has been accepted, “payment is requested” because the financial institution 2 is requesting payment when (2) is completed, (3) When the payment is completed, the payment has been completed, so “Price processing is completed”. When (4) is completed, the electronic money company 4 is “Issuing a request for issuance”. When (5) is completed, “Issuance is requested”. When (6) is completed, it has been answered to the customer A, and therefore “answered”.

  FIG. 3 shows stored information when there is a deposit to an account of an electronic money business operator 4 to be described later in the account deposit / withdrawal information database 6. The year, month, day, hour, minute and second when the deposit was made, the deposit source, the identification number of the IC chip 5, the request number from the mobile phone 1, the deposit amount, and the balance are stored.

  FIG. 4 shows the storage contents of the electronic money issue / reception information database 7. The date, time, minute and second of issue, the request number, the identification number of the IC chip 5, the issue amount indicating the amount of charge request, and the receipt status. If it has not been received, it is “not received”. Reference numeral 5 denotes a non-contact IC chip mounted on the mobile phone 1.

  Next, the procedure for the customer A to charge the mobile phone 1 with electronic money will be described. First, the customer A mounts the non-contact IC chip 5 on the mobile phone 1. In the electronic money area of the non-contact IC chip 5, an identification number (123) unique to the non-contact IC chip 5 is stored, and the stored amount is assumed to be 0 yen. And customer A shall issue an issue request to charge this amount of 1000 yen.

  (1) First, the customer A uses the mobile phone 1 to connect to the electronic money issue management company 3 and makes a charge request. The data to be transmitted includes the charge request number (40), the customer A's own payment source account information (7890) in the financial institution 2, the amount to be charged (1000 yen), the identification number (123) of the non-contact IC chip 5, and the like. .

  (2) Next, in response to this, the electronic money issue management company 3 sets the processing status column of the electronic money acceptance processing database 8 (FIG. 2) to “accepted” by a server (not shown), and the financial institution 2 Is connected via the Internet, and a settlement request is made. The data to be transmitted includes the payment source account information (7890) of the customer A, the amount to be charged (1,000 yen), and the EDI information (Electric Data Interchange) related to the transfer, and the identification number (123) of the IC chip. And the request number (40) from the customer A is sent. Thereafter, the electronic money issue management company 3 updates the processing status column of the electronic money acceptance processing database 8 to “payment requested”.

  In response to this, the financial institution 2 moves 1000 yen from the payment source account (7890) to the account (5678) of the electronic money business operator 4 by a server (not shown), and ends the settlement. At the same time, the financial institution 2 has received 1000 yen in the account deposit / withdrawal information database 6 from the payment source account (7890) to the account (5678) of the electronic money business operator 4, and the electronic money issue management. The identification number (123) received from the company 3 and the request number (40) are stored (FIG. 3).

  (3) Next, the financial institution 2 replies to the electronic money issue management company 3 with respect to this settlement request whether or not the settlement has been correctly performed (OK / NG). If the balance is insufficient, the answer is NG. When the electronic money issuance management company 3 receives the OK response, the electronic money acceptance processing database 8 sets the processing status column of the electronic money acceptance processing database 8 to “price processed”.

  (4) The electronic money issuance management company 3 then gives the electronic money provider 4 an electronic device with the charge request number (40), the contactless IC chip identification number (123), and the charge amount (1000 yen). A money issuance request is made, and the processing status column of the electronic money acceptance processing database 8 is updated to “being issued”.

  In response to this, the electronic money business operator 4 uses a server (not shown) to identify the year / month / day / hour / minute / second, the request number (40), and the contactless IC chip in the electronic money issue / reception information database 7 (FIG. 4). The number (123), the charge amount (1000 yen) and the receiving status corresponding to this (currently “not received”) are stored, and preparation for issuing is made.

  (5) Next, in response to the electronic money issue request, the electronic money business operator 4 replies to the electronic money issue management company 3 whether or not preparation for issue has been made correctly (OK / NG). Upon receipt of the OK, the electronic money issue management company 3 updates the processing status column of the electronic money acceptance processing database 8 to “issue requested”.

  (6) The electronic money issuance management company 3 then replies to customer A whether or not the preparation for issuance has been made correctly (OK / NG). Further, the electronic money issuance management company 3 updates the processing status column of the electronic money acceptance processing database 8 shown in FIG. 2 from “issued requested” to “answered”.

  (7) Thereafter, the customer A uses the mobile phone 1 to make an electronic money receipt request by sending a request number (40) and an identification number (123) to the electronic money business operator 4.

  (8) In response, the electronic money business operator 4 transmits the issued electronic money data to the mobile phone 1 of the customer A, and issues the electronic money. At the same time, the reception status stored in the electronic money issuance / reception information database 7 is updated from “not received” to “received”. The mobile phone 1 of the customer A receives electronic money. As a result, 1000 yen is charged (issued) in the amount stored in the electronic money area of the non-contact IC chip 5-2, and the customer A having the mobile phone 1 can pay using electronic money.

  In FIG. 1, for the convenience of explanation, the processing of the request number 40 identification number 123 indicates that the reply that the payment was correctly made from the financial institution 2 in (3) was interrupted during the communication. The processing status column of the request number 40 in the electronic money acceptance processing database 8 (FIG. 2) of the electronic money issuance management company 3 remains in a state where the processing of (2) is completed, that is, “payment is being requested”. In this state, from the viewpoint of the customer A, there is a situation in which electronic money is not charged (issued) to his / her mobile phone 2 even though the deposit is subtracted from his / her account. Become.

  The recovery method will be described below with reference to FIG. In the following description, the financial institution 2 is controlled by a server (not shown), and the electronic money business operator 4 is also controlled by a server (not shown). First, the customer A calls a call center (not shown) of the financial institution 2 and directly requests issuance of electronic money again. The call center requests the customer A to input the identification number (123) and the request number (40).

  S11: The customer A transmits the identification number (123) of the IC chip and the request number (40) directly from the mobile phone, and the call center (not shown) of the financial institution 2 receives them.

  S12: The call center searches the account deposit / withdrawal information database 6 (FIG. 3) based on the identification number (123) and request number (40) from the customer A. FIG. 3 shows that the identification number 123 from the payment source A and the request number 40 are 1000 yen.

S13: It is determined whether there is relevant information.
S14: If there is such information, immediately contact the electronic money business operator 4 with the identification number (123), the request number (40), and the issue amount (1000 yen), and re-request the electronic money charge to be issued. S15; Then, the customer A is answered that there is no payment if there is no corresponding information.

  S16: The electronic money business operator 4 that has received the re-request to issue the electronic money charge checks the information stored in the electronic money issue / reception information database 7.

  S17: It is determined whether or not the reception status column of the electronic money issue / receipt information database 7 has not been received. That is, it is determined whether the customer A has received electronic money. 4 indicates that the request number 35 has been received and the request number 40 has not been received.

S18: If not received, prepare for issuance.
S19: The financial institution 2 is answered that preparation for issuance is ready. At the same time, although not shown, the electronic money issue management company 3 may be notified to that effect. Then, the electronic money issue management company 3 may set “issue requested” to the processing status of the electronic money acceptance processing information database 8.

S20: If the receipt status column has been received, a reply to that effect is sent to the financial institution 2.
S21: The financial institution 2 receives the reply from the electronic money business operator 4 that it is ready, and the customer A is now ready to issue electronic money. To answer. If customer A makes the electronic money request (7) later, he can receive electronic money from electronic money business operator 4. On the other hand, when the financial institution 2 receives a reply from the electronic money business operator 4 that it has been received, it replies accordingly.

  In this way, by using the request number and the identification number, when viewed from the customer A, the electronic money is charged (issued) to the mobile phone 2 even though the deposit is subtracted from the own account. ) It is possible to recover from the fact that it has not been done.

  In the description of the best mode for carrying out the present invention, the call center (not shown) is provided in the financial institution 2, but the same effect can be obtained even if it is provided in the electronic money issue management company 3. However, since the account deposit / withdrawal information database 6 does not exist in the electronic money issuance management company 3, after inquiring from the customer A (S11), the financial institution 2 is inquired each time to search the account deposit / withdrawal information database 6 (S12). I will ask.

  Next, Example 1 will be described. In the first embodiment, the information stored in the electronic money acceptance processing database 8 and the information stored in the account deposit / withdrawal information database 6 by batch processing are checked for deposits that have not been processed. This corresponds to a charge request in which the processing status column of the electronic money acceptance processing database 8 remains in a halfway state other than “answered”. In other words, “accepted” in the state in which (1) in FIG. 1 is completed, “paying for payment” in the state in which (2) is completed, “payment processed” in the state in which (3) is completed, and (4) “Issuance request is in progress” in the completed state, and “Issuance requested” is in the state in which (5) is completed.

  FIG. 6 is a flowchart showing the operation of the electronic money issue management company 3 in the first embodiment. In the following description, the electronic money issue management company 3 is controlled by a server (not shown).

  S31: The electronic money issue management company 3 checks the processing status column of the electronic money acceptance processing information database 8 once a day at a predetermined time (daily batch processing).

S32: It is determined whether the processing status column shown in FIG.
S33: “Responded” means that the issue preparation for the customer A in (2) has been made correctly as shown in the processing status of the request number 35 in FIG. If all items are checked, the process ends.

  S34: If it is not “answered”, since there are five states as described above, the financial institution 2 is first inquired about payment. That is, “Received” in the state in which (1) is completed, “Payment requested” in the state in which (2) is completed, “Price processing completed” in the state in which (3) is completed, and (4) in the state where (4) is completed "Issuance request is in progress", and (5) is "Issuance request completed". The request number 40 in FIG. 2 indicates that “payment is being requested” and the request number 89 is “accepted”.

S35: Receive a response from the financial institution 2.
S36: It is determined whether the answer from the financial institution 2 is “paid”.
S37: If it is “paid”, the electronic money provider 4 is requested (or re-requested) to issue electronic money. Since the electronic money business operator 4 performs the same processing as the processing of steps 16 and 17 in FIG.

  S38: If the answer from the financial institution 2 is not received, processing is performed according to the situation. That is, in the case of “accepted” in the state where (1) has been completed, since no deposit has been made, a deposit request is made to the financial institution 2. In the case of “payment request in progress” in the state where (2) is completed, a payment request is similarly made to the financial institution 2. In the case of “price processing completed” in the state where (3) is completed, it is an abnormal state that the payment has not been made, so processing such as inquiring to the financial institution 2 is performed. Further, in the case of “Issuing Request” in the state where (4) is completed, and in the case of “Issuance Requested” in the state where (5) is completed, processing such as inquiring to the financial institution 2 is performed in the same manner.

  As described above, according to the first embodiment, the processing status column of the electronic money reception processing information database 8 is checked by daily batch processing. Despite being subtracted, it is possible to recover from a situation in which electronic money is not charged (issued) to the mobile phone 2 of the customer.

  The electronic money issue / receipt information database 7 of the electronic money business 4 stores the electronic money receipt status of the customer's mobile phone in association with the charge request number and the identification number as described above. The electronic money business operator 4 issues electronic money according to the reception status stored in the electronic money issue / reception information database 7. If the receipt status is “received”, even if a request for issuance (S37) is received, the electronic money business operator 4 ignores the request. As a result, during the recovery of the batch processing, it happens to happen at the same time, even if there is an issuance request from the financial institution 2 due to a customer complaint in the description of the best mode for carrying out the present invention (S14), It is possible to avoid issuing electronic money.

It is a block diagram which shows the best form for implementing this invention. It is explanatory drawing of the electronic money reception process information database which concerns on this invention. It is explanatory drawing of the account deposit / withdrawal information database which concerns on this invention. It is explanatory drawing of the electronic money issue receipt information database which concerns on this invention. It is a flowchart which shows the best form for implementing this invention. It is a flowchart which shows Example 1 of this invention. It is a block diagram for demonstrating the subject which this invention tends to solve.

Explanation of symbols

A Customer 1 Mobile phone 2 Financial institution 3 Electronic money issuance management company 4 Electronic money business operator 5 Contactless IC chip 6 Account deposit / withdrawal information database 7 Electronic money issuance receipt information database 8 Electronic money acceptance processing information database

Claims (6)

In an electronic money charge system equipped with an IC chip that holds an identification number, and charges the IC chip with the amount of money in the customer's financial institution account as electronic money in response to a request from a mobile terminal held by the customer.
An electronic money business operator system having an electronic money issue / receipt information storage device that issues electronic money to a mobile terminal via a communication means and stores the reception status of the mobile terminal;
An electronic money issue management system connected to the electronic money business operator system and the customer's mobile terminal via a communication means, and accepting a charge request from the customer's mobile terminal;
The electronic money issue management system receives an electronic money charge request number together with a charge amount at the time of an electronic money issue request from a mobile terminal,
The amount of charge to be deposited from the customer's financial institution account to the electronic money business operator's financial institution account, including the request number and identification number, is stored in the account deposit / withdrawal information storage device,
After that, the electronic money business operator's financial institution account has the deposit of the charge amount.
On condition, electronic money is issued from the electronic money business operator system to the mobile terminal via communication means,
At the time of inquiry from the customer, confirm the presence or absence of payment based on the request number and identification number stored in the account deposit / withdrawal information storage device, and if there is a deposit, reissue the request to the electronic money business operator system Done
An electronic money charging system, wherein an electronic money business operator system that has received a re-request for issuance issues electronic money in accordance with a reception status stored in the electronic money issue / reception information storage device. Electronic money for mounting an IC chip that holds an identification number and charging an amount in the customer's financial institution account from the electronic money business system to the IC chip as electronic money in response to a request from a mobile terminal held by the customer In the charge issuance management system,
When requesting issuance of electronic money from a mobile device, we will accept the electronic money charge request number along with the charge amount,
Instructing the deposit of the charge amount from the customer's financial institution account to the electronic money business operator's financial institution account,
Instructing the electronic money business operator system to issue electronic money to the customer's mobile terminal on the condition that the electronic money business operator's financial institution account has received the charge amount.
An electronic money acceptance processing information storage device in which the charge amount, the request number, and the identification number are stored corresponding to the processing status;
At the time of inquiry from the customer, based on the request number and identification number, the electronic money business operator's financial institution account is checked for the payment of the charge amount. An electronic money charge issuance management system characterized by re-requesting money issuance. In an electronic money charge system equipped with an IC chip that holds an identification number, and charges the IC chip with the amount of money in the customer's financial institution account as electronic money in response to a request from a mobile terminal held by the customer.
An electronic money business operator system that issues electronic money to mobile terminals via communication means;
Account deposit / withdrawal information storage device storing account information of the electronic money business operator,
Connected to the electronic money business operator system and the customer's mobile terminal via communication means, accepts a charge request from the customer's mobile terminal including a charge amount and an electronic money charge request number, and further, the charge amount and the request An electronic money issuance management system having an electronic money acceptance processing information storage device in which the number and the identification number are stored corresponding to the processing status of electronic money,
Issuing electronic money from the electronic money business operator system to the mobile terminal via communication means on the condition that the electronic money business operator's account has received a charge amount from the customer in the account deposit / withdrawal information storage device And
After that, periodically check whether the processing up to a predetermined step is completed based on the processing status stored in the electronic money acceptance processing information storage device, and if it is not completed, from the electronic money issuing company An electronic money charging system that issues electronic money. Electronic money for mounting an IC chip that holds an identification number and charging an amount in the customer's financial institution account from the electronic money business system to the IC chip as electronic money in response to a request from a mobile terminal held by the customer In the charge issuance management system,
When requesting issuance of electronic money from a mobile terminal, a process of accepting the request number for electronic money charge along with the charge amount is performed,
Processing to instruct the deposit of the charge amount from the customer's financial institution account to the electronic money business operator's financial institution account,
A process for instructing the electronic money operator system to issue electronic money to the mobile terminal of the customer on the condition that there is a deposit of the charge amount in the financial institution account of the electronic money operator,
In addition, the customer is informed that these processes have been completed,
An electronic money acceptance processing information storage device in which the charge amount, the request number, and the identification number are stored corresponding to these processing states;
Based on the processing status stored in the electronic money acceptance processing information storage device, the presence / absence of the reply processing is periodically checked, and in the case of the unanswered processing despite the payment, the electronic money issuing business An electronic money charge issuance management system that performs a process of instructing a person again to issue electronic money. In an electronic money business operator system that is equipped with an IC chip that holds an identification number and charges the IC chip as electronic money for the amount in the customer's financial institution account upon request from a mobile terminal held by the customer.
From the electronic money issue management system connected to the electronic money business operator system and the customer's mobile terminal via a communication means, and receiving the issue request including the request number of the electronic money charge together with the charge amount from the customer's mobile terminal, Received further requests to issue electronic money,
Issuing electronic money to the mobile terminal via communication means on the condition that there is a deposit of the charge amount in the financial institution account of the electronic money business,
In correspondence with the request number and the identification number, there is an electronic money issue / receipt information storage device that stores electronic money receipt status by a mobile terminal of a customer,
An electronic money business system characterized by preventing electronic money from being unreceived and double received depending on the receipt status stored in the electronic money issue / receipt information storage device. Electronic money for mounting an IC chip that holds an identification number and charging an amount in the customer's financial institution account from the electronic money business system to the IC chip as electronic money in response to a request from a mobile terminal held by the customer In the charge issuance management system,
When requesting issuance of electronic money from a mobile terminal, a process of accepting the request number for electronic money charge along with the charge amount is performed,
Processing to instruct the deposit of the charge amount from the customer's financial institution account to the electronic money business operator's financial institution account,
A process for instructing the electronic money operator system to issue electronic money to the mobile terminal of the customer on the condition that there is a deposit of the charge amount in the financial institution account of the electronic money operator,
In addition, the customer is informed that these processes have been completed,
An electronic money charge issuance management system comprising: an electronic money acceptance processing information storage device in which the charge amount, the request number, and the identification number are stored corresponding to a processing status.

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