JP2009075752A - Electronic money processor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cash dispenser for preventing both a service provider and a user from being disadvantaged. <P>SOLUTION: This cash dispenser device 1 for dispensing cash obtained by changing electronic money recorded in an IC of a card or equipment is provided with short-range radio communication equipment 9 for acquiring identification information from the IC of the card or the equipment; and a transaction data temporary storage part 10 for storing the identification information. After the short-range radio communication equipment 9 acquires the identification information from the IC of the card or the equipment, electronic money corresponding to an amount for transaction is subtracted from the IC of the card or the equipment, and after the electronic money is subtracted, cash is dispensed. Also, after the electronic money is subtracted from the IC of the card or the equipment, when cash cannot be dispensed, the identification information and the amount of the electronic money subtracted from the IC of the card or the equipment are stored in association with each other in a transaction data temporary storage part 10. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an electronic money processing machine that cashes and withdraws electronic money recorded in an electronic money storage device.

  Conventionally, electronic money is stored in an IC card, and electronic money can be converted into cash when cash is required. When cashing the electronic money stored in the IC card, the user inserts the IC card into the device through the card insertion slot of the cashing device main body. The device that has taken in the IC card reads information relating to the amount of electronic money stored in the IC card, and the user inputs the desired amount of cash to the device.

The apparatus compares the desired amount of cash and the amount of electronic money, and determines whether or not the desired amount of cash is equal to or less than the amount of electronic money. Here, when the amount of cash desired is larger than the amount of electronic money, an instruction is displayed on the display to reduce the amount of cash desired. On the other hand, when it is determined that the desired amount of cash is less than or equal to the amount of electronic money, cash equivalent to the desired amount of cash is discharged from the cash storage means in which the cash is stored. Then, the device deletes the electronic money stored in the IC card by the amount of cash discharged in the cash discharging process. Next, the electronic money stored in the IC card is deleted by the amount of the cashing fee. When the predetermined amount of electronic money is deleted from the IC card in this way, the device returns the IC card to the user (see, for example, Patent Document 1). In this way, the user can cash electronic money.
JP 2001-043416 A

  However, when an IC that records electronic money is built in a device such as a mobile phone instead of a card, the device is used for electronic money until a transaction for cashing the electronic money is successfully established. It was technically difficult to capture the money inside the cash dispensing device to be cashed. In addition, a method of taking a device having a function other than electronic money, such as a mobile phone or a mobile terminal device, into the cash-out device until electronic money transaction is established has great resistance to the user, and IC When is non-contact type, the convenience of non-contact type is impaired.

  Therefore, in order to prevent the equipment from being taken into the cash dispenser and without losing the merits of the non-contact IC, the user can simply hold the IC built-in device over the IC reader provided in the cash dispenser. It is conceivable to adopt a method capable of conducting a transaction.

  However, after the cash is discharged to the outside of the cash dispensing device, the electronic money recorded on the IC is reduced by the amount of the cash that has been discharged. If the user removes the device from the IC reader before doing so, there is a problem that the electronic money cannot be reduced from the IC, and the user can take away only cash.

  Conversely, in the case of a method of reducing electronic money from the IC by the amount of cash to be discharged before discharging cash to the outside of the cash dispensing device, if cash cannot be discharged due to a failure of the cash dispensing device, etc. There is a problem that the user cannot obtain cash simply by reducing the electronic money from the IC, resulting in a large loss, and losing the trust of the service provider.

  In order to solve the above-mentioned problems, the solution provided in the present invention is an electronic money processing machine that cashes and withdraws electronic money recorded in an electronic money storage device, and obtains solid identification information from the electronic money storage device. A solid identification information acquisition means for acquiring, and a solid identification information storage section for storing the solid identification information; and after the identification information acquisition means acquires the solid identification information from the electronic money storage device, the electronic money storage The electronic money corresponding to the transaction is reduced from the apparatus, and cash is withdrawn after the electronic money is reduced. Further, in the case where cash cannot be withdrawn after the electronic money is reduced from the electronic money storage device, the solid identification information is associated with the amount of electronic money reduced from the electronic money storage device And stored in the solid identification information storage unit.

  According to the present invention, after reducing the amount of electronic money corresponding to the transaction from the electronic money storage device, cash is withdrawn from the electronic money processing machine, so that the service providing side can reliably acquire electronic money. And no loss. In addition, even if electronic money is reduced from the user's electronic money storage device, the electronic money is reduced even if the electronic money processing machine fails and it becomes impossible to withdraw cash. By storing the identified identification information of the electronic money storage device together with the amount deducted from the electronic money storage device in the solid identification information storage unit, the user is surely returned to the electronic money storage device. Will be able to. Therefore, the user does not make a loss. As a result, there is no disadvantage on the service provider side and the user side.

  Embodiments of the present invention will be described below with reference to the drawings. In addition, the same code | symbol is attached | subjected to the element common to each drawing.

FIG. 1 is a block diagram showing the configuration of the cash dispensing apparatus according to the embodiment.
In FIG. 1, a cash dispensing device 1 that is an electronic money processing machine includes a main control unit 2 that controls the entire device, a display unit 3, an input unit 4, and a connection unit connected to the main control unit 2. The bill processing device 5, the coin processing device 6, the communication device 7, the non-contact IC reader / writer 8, the short-range wireless communication device 9 as the solid identification information reading means, and the transaction data as the solid identification information storage unit A provisional recording unit 10 and an established transaction data recording unit 11 are provided.

  The display unit 3 is provided on the front surface of the cash dispensing device 1 and displays a message to the user. The input unit 4 is arranged side by side on the display unit 3 and includes a numeric keypad and buttons that are operated by a user to input information to the apparatus.

  The banknote processing device 5 authenticates and counts banknotes received from customers during deposit transactions, transports them and stores them in a denomination in a safe (not shown), and transfers banknotes paid to customers during withdrawal transactions from the safe. It is something to be issued. Moreover, the banknote processing apparatus 5 is connected by the banknote conveyance path which is not shown in figure and the banknote depositing / withdrawing port into which the user inserts a banknote or the banknote paid to a user is sent. A shutter that can be opened and closed is provided at the top of the banknote deposit / withdrawal port, and a detection sensor (not shown) that detects that the banknote has been extracted by the user is provided inside the banknote deposit / withdrawal port. .

  The coin processing device 6 authenticates and counts coins received from customers during deposit transactions, transports them and stores them in denominations in a safe (not shown), and stores coins paid to users during withdrawal transactions. It will be paid out. Further, the coin processing device 6 is connected to a coin deposit / withdrawal port through which a user inserts a coin or a coin to be paid to the user is sent by a coin conveyance path (not shown). An openable / closable shutter is provided above the coin deposit / withdrawal slot, and a detection sensor (not shown) for detecting that the coin has been extracted by the user is provided inside the coin deposit / withdrawal slot. .

  The communication device 7 has a function of communicating with the data center of the service provider. The non-contact IC reader / writer 8 has a function of directly communicating with an IC that records the amount of electronic money, and exchanges electronic money. The short-range wireless communication device 9 has a function of exchanging information other than electronic money with a card or device incorporating an IC, which is an electronic money storage device, and reads solid identification information (serial number) related to the IC. The short-range wireless communication device 9 also has a function of reading a cellular phone number, a wireless communication MAC address, and the like. The transaction data provisional recording unit 10 stores data relating to a transaction being executed, and the established transaction data recording unit 11 stores a log relating to a normally established electronic money transaction.

  Next, with reference to FIG. 1 for the operation of the cash dispensing apparatus 1 when a device with a built-in IC that records electronic money is a mobile phone and the balance of the electronic money of the mobile phone is inquired, refer to FIG. It demonstrates according to the flowchart shown. FIG. 2 is a flowchart showing an operation at the time of balance display of the cash dispensing apparatus of the embodiment.

  In the standby state, a transaction selection screen is displayed on the display unit 3 of the cash dispensing apparatus 1, and items that are currently available for transaction are displayed. In this state, the user refers to the transactable item and performs an operation of selecting a balance inquiry from the input unit 4.

  Then, information indicating that the balance inquiry is selected is transmitted from the input unit 4 to the main control unit 2. When the main control unit 2 receives this information, it starts the flowchart shown in FIG. 2, and in step S1, the main control unit 2 displays a card or device with an IC that records the amount of electronic money on the display unit 3. Is displayed on the non-contact IC reader / writer 8. In step S2, the main control unit 2 transmits an instruction to read the balance information of the electronic money to the non-contact IC reader / writer 8, and waits for the balance information of the electronic money to be transmitted.

  The user holds a mobile phone (not shown) over the non-contact IC reader / writer 8 of the cash dispensing apparatus 1 according to the instruction of the display unit 3. Then, the non-contact IC reader / writer 8 directly communicates with the IC, acquires the balance of electronic money from the IC, and transmits it to the main control unit 2 as balance information. When receiving the balance information, the main control unit 2 proceeds to step S3, stores the balance information in the transaction data provisional recording unit 10, and causes the display unit 3 to display the balance. When the customer confirms the balance, the customer operates the end button of the input unit 4. Then, information indicating that the end button has been selected is transmitted from the input unit 4 to the main control unit 2, this processing is terminated, the balance information stored in the transaction data provisional recording unit 10 is deleted, and the standby state is set. Migrate to

  Next, the operation of the cash dispensing apparatus 1 when the electronic money of the mobile phone is converted into cash will be described with reference to FIG. 1 and according to the flowcharts shown in FIGS. 3, 4, 5, 6, and 7. FIG. 3, 4, 5, 6, and 7 are flowcharts illustrating an operation at the time of cash payout of the cash payout apparatus according to the embodiment.

  When the user performs an operation of selecting cash withdrawal from the input unit 4 in the cash dispensing apparatus 1 in a state where a transaction selection screen that allows transactions is displayed on the display unit 3, the main control unit 2 from the input unit 4. Information indicating that cash withdrawal has been selected is transmitted. When the main control unit 2 receives this information, the main control unit 2 starts the flowchart shown in FIG. 3, and the main control unit 2 causes the display unit 3 to display an instruction to input a payout amount in step S21. Then, the process proceeds to step S22 and waits for the payout amount to be transmitted from the input unit 4.

  When the user inputs an amount of money desired to be paid out from the input unit 4 in accordance with an instruction on the display unit 3, the paid-out amount is transmitted to the main control unit 2. When the main control unit 2 receives the payout amount, the main control unit 2 stores the amount in the transaction data provisional recording unit 10 and proceeds to step S23, and the display unit 3 has a card equipped with an IC storing the amount of electronic money, or An instruction to hold the device over the non-contact IC reader / writer 8 is displayed. In step S24, the main control unit 2 transmits an instruction to read the balance information of the electronic money to the non-contact IC reader / writer 8, and waits for the balance information of the electronic money to be transmitted.

  The user holds a mobile phone (not shown) over the non-contact IC reader / writer 8 of the cash dispensing apparatus 1 according to the instruction of the display unit 3. Then, the non-contact IC reader / writer 8 directly communicates with the IC, acquires the balance of electronic money from the IC, and transmits it to the main control unit 2 as balance information. When the main control unit 2 receives the balance information, the main control unit 2 proceeds to step S25, stores the balance information in the transaction data provisional recording unit 10, compares the payout amount with the amount obtained by adding a predetermined fee to the balance information, It is determined whether or not the balance of the electronic money is equal to or greater than the amount corresponding to the transaction, which is the sum of the amount to be paid out and the fee. If it is determined that the balance of the electronic money is equal to or greater than the sum of the payout amount and the fee, the process proceeds to step S26 assuming that the transaction is possible. On the other hand, in the case of “No”, the process proceeds to step S27 in order to re-enter the payout amount. When an amount obtained by adding a predetermined fee to the amount to be paid out is calculated, the main control unit 2 stores the calculated amount in the transaction data provisional recording unit 10 as a planned reduction amount.

  When the process proceeds from step S25 to step S27, it is displayed on the display unit 3 that the balance is insufficient, and an instruction to re-enter the payout amount is displayed. Then, the process returns to step S22. In addition, it may be displayed in step S27 that the selection for canceling the transaction is possible, and the transaction can be canceled.

  On the other hand, when the process proceeds from step S25 to step S26, the main control unit 2 transmits an instruction to read the solid identification information to the short-range wireless communication device 9, and waits for the solid identification information to be transmitted. When the main control unit 2 acquires the solid identification information (serial number) regarding the IC of the mobile phone read by the short-range wireless communication device 9, the main control unit 2 stores the solid identification information in the transaction data provisional recording unit 10 in step S27. Here, when the IC does not store the solid identification information and the main control unit 2 cannot obtain the solid identification information, another information (telephone number, Alternatively, the wireless communication MAC address or the like is obtained, and the other information is stored in the transaction data provisional recording unit 10 as solid identification information in step S28. All subsequent processes are stored in the transaction data provisional recording unit 10 regardless of success or failure.

  In step S29, the main control unit 2 stores the amount to be paid out from the electronic money of the mobile phone IC by the non-contact IC reader / writer 8, that is, the amount to be reduced in the transaction data provisional recording unit 10 as the amount to be reduced. The amount of money is reduced. As a result, the balance of the electronic money of the IC of the mobile phone is reduced by an amount obtained by adding a predetermined fee to the payout amount. In step S30, the main control unit 2 stores the amount deducted from the electronic money in the transaction data provisional recording unit 10.

  In step S31, a cash payout process is performed. For this purpose, the main control unit 2 reads out the payout amount from the transaction data provisional recording unit 10, and instructs the banknote processing device 5 and the coin processing device 6 to withdraw cash corresponding to the read out payout amount.

  Upon receipt of this instruction, the banknote handling device 5 feeds the banknotes from the respective denomination safes to the banknote transport path, performs a predetermined discrimination process such as confirmation of denomination at the discrimination section, and withdraws to the banknote deposit / withdrawal port. Carries money for the amount of money. Then, the shutter is opened and discharged to the user. When the detection sensor detects that the banknote has been extracted, the shutter is closed. Also, when the coin processing device 6 receives a cash payout instruction, the coins are respectively fed out from the denomination safe to the coin transport path, and a predetermined discrimination process such as confirmation of the denomination is performed in the discrimination unit, and a coin deposit / withdrawal port is provided. The amount of coins to be withdrawn is transported to Then, the shutter is opened and discharged to the user. When the detection sensor detects that the coin has been extracted, the shutter is closed.

  When the banknote processing device 5 and the coin processing device 6 execute the cash payout process, the built-in sensor checks whether or not the payout is normally completed, and transmits the result to the main control unit 2.

  When the main control unit 2 receives the results from the banknote processing device 5 and the coin processing device 6, it determines whether or not the cash payout processing has been normally completed based on the result received in step S32. Note that there is no response from the banknote processing device 5 and the coin processing device 6 even if a predetermined time has elapsed after the main control unit 2 instructs the banknote processing device 5 and the coin processing device 6 to pay out cash. Even in this case, the main control unit 2 determines that the cash-out process is not completed normally.

  If the main control unit 2 determines that the cash payout process has been normally completed, the process proceeds to step S33, where information indicating that the cash payout process has been normally completed and the amount of money to be withdrawn are displayed in the transaction data provisional recording unit. 10 to remember. Next, in step S34, the main control unit 2 determines from the information stored in the transaction data provisional recording unit 10 that the cash payout process has been normally completed, and the amount of electronic money reduced from the IC of the mobile phone. Then, the amount of money reduced as the fee and the amount of money to be withdrawn are read out, and the information read out in step S35 is stored in the established transaction data recording unit 11. In step S36, the main control unit 2 deletes all information stored in the transaction data provisional recording unit 10. And a process is complete | finished and the cash payment apparatus 1 transfers to a standby state.

  Next, processing when electronic money is reduced from an IC of a mobile phone but an abnormality has occurred and cash payment has not been completed normally will be described. When it is determined in step S32 whether or not the cash payout process is normally completed, when it is determined that the payout is not normally completed, or the main control unit 2 performs the banknote processing device 5 and the coin processing device 6. Even if the banknote processing device 5 and the coin processing device 6 do not receive any response even after a predetermined time has elapsed after instructing the cash to be paid out, the main control unit 2 completes the cash payout processing normally. If not, the process proceeds to step S37.

  In step S37, the main control unit 2 calculates a refund amount. That is, the amount deducted from the electronic money stored in the transaction data provisional recording unit 10 is read, and the main control unit 2 stores the amount as a return amount in the transaction data provisional recording unit 10 in step S38. Next, in step S39, the main control unit 2 cannot return the cash to the display unit 3, so that the electronic money is returned, and the card or device used for this cash payment transaction is returned to the non-contact IC reader / device. An instruction to hold the writer 8 is displayed. In step S <b> 40, the main control unit 2 transmits an instruction to read the solid identification information to the short-range wireless communication device 9.

  In accordance with the instruction of the display unit 3, the user holds the mobile phone with the electronic money reduced over the non-contact IC reader / writer 8 of the cash dispensing apparatus 1. Then, the short-range wireless communication device 9 directly communicates with the IC, reads the solid identification information from the IC, and transmits it to the main control unit 2. When the main control unit 2 receives the solid identification information, the main control unit 2 proceeds to step S41, and determines whether or not the solid identification information has been successfully acquired. If it is determined that the data has been successfully acquired, the reading is successful and the process proceeds to step S42. On the other hand, if “NO”, the process proceeds to step S49. If no response is received from the short-range wireless communication device 9 even after the predetermined time has elapsed, the process proceeds to step S49 assuming that the reading has not succeeded.

  When the process proceeds from step S41 to step S42, the received individual identification information is compared with the individual identification information stored in the transaction data provisional recording unit 10 to determine whether or not they match. If it is determined that they match, the process proceeds to step S43, and a process of refunding electronic money to the IC is performed. For this purpose, the main control unit 2 reads the return amount stored in the transaction data provisional recording unit 10 and transmits the electronic money corresponding to the return amount to the IC of the mobile phone via the non-contact IC reader / writer 8. As a result, the reduced amount of electronic money is returned to the mobile phone IC.

  Next, in step S44, the main control unit 2 determines whether or not the refund process has been completed normally. If the main control unit 2 determines that the refund process has been completed normally, the process proceeds to step S45, where information indicating that the electronic money refund process has been completed normally and the amount refunded as electronic money are processed. Store in the data provisional recording unit 10. Next, in step S46, the main control unit 2 reads information indicating that the electronic money refund process has been normally completed from the information stored in the transaction data provisional recording unit 10, and the amount refunded as electronic money, In S47, the main control unit 2 stores the read information in the established transaction data recording unit 11. In step S48, the main control unit 2 deletes all information stored in the transaction data provisional recording unit 10. And a process is complete | finished and the cash payment apparatus 1 transfers to a standby state.

  On the other hand, the individual identification information could not be received even if the main control unit 2 waits for a predetermined time in step S41 because the user leaves or re-communication with the mobile phone becomes impossible. If the identification information cannot be obtained normally, or when the identification information received from the mobile phone is collated with the identification information stored in the transaction data provisional recording unit 10 in step S42. If the main control unit 2 determines in step S44 whether or not the refund process has been completed normally, the process proceeds to step S44. Proceed to S49.

  In step S49, the main control unit 2 stores in the transaction data provisional recording unit 10 that the refund process has not been completed normally. The transaction data provisional storage unit 10 stores the individual identification information in a state in which the refund process has not been completed normally and the refund amount (the amount of electronic money reduced from the IC of the mobile phone). The In step S50, the main control unit 2 starts communication with the data center, which is the host device of the service provider, via the communication device 7, and in step S51, the transaction data provisional recording unit 10 sends the individual identification information and the electronic money. Refund processing is not completed normally, and the refund amount is read. In step S52, the main control unit 2 makes the service provider's communication via the communication device 7 in a state where the refund process is not completed normally and the refund amount is associated with the read individual identification information. Send to the data center. In step S53, the main control unit 2 deletes all information stored in the transaction data provisional recording unit 10.

  The data center includes a storage unit (not shown) that stores information for each piece of individual identification information. From the cash dispensing apparatus 1, the identification information, the refund process was not completed normally, and the refund amount When received, the information is stored in the storage unit as one group. The information stored in the storage unit is used when there is an inquiry from a user or when there is a refund request.

  In addition, as a cash dispensing device, an automatic cash dispenser installed in a financial institution or various vending machines, such as a device equipped with an electronic money reading function and a cash (banknote or coin) depositing and dispensing function are considered. However, as long as the electronic money reading function is provided, a mechanism for refunding electronic money can be implemented even in an apparatus that does not handle cash.

  Further, in this embodiment, when the electronic money cannot be immediately refunded to the user, details of the incomplete transaction are sent to the data center. This is to deal with the risk of storage. Accordingly, for example, if a storage device with security protection is provided in the cash dispensing apparatus 1, and details of incomplete transactions are stored in the storage device, details of incomplete transactions need not be transmitted to the data center.

  Also, in this embodiment, after executing the balance inquiry, the transaction is once terminated and then the cash payout process is performed. However, after performing the balance inquiry, the cash payment is desired without ending the transaction. A screen for inquiring the user as to whether or not may be displayed on the display unit 3. When the cash payout transaction is selected, the cash payout transaction may be continuously executed after the balance inquiry.

  As described above, in the embodiment of the present invention, since the cash is withdrawn from the electronic money processing machine after reducing the amount of electronic money corresponding to the transaction from the card or the device, the service providing side reliably sends the electronic money. Can be acquired and does not make a loss. Even if electronic money is reduced from the user's card or device, the electronic money is reduced even if the cash dispensing device 1 fails and it becomes impossible to withdraw cash. The credit card or device IC identification information and the amount deducted from the card or device IC are associated with each other in the transaction data provisional storage unit 10 so that the user can securely store electronic money. It can be returned to the card or device. Therefore, the user does not make a loss. As a result, there is no disadvantage on the service provider side and the user side.

It is a block diagram which shows the structure of the cash payment apparatus of embodiment. It is a flowchart which shows the operation | movement at the time of the balance display of the cash payment apparatus of embodiment. It is a flowchart which shows the operation | movement at the time of cash payment of the cash payment apparatus of embodiment. It is a flowchart which shows the operation | movement at the time of cash payment of the cash payment apparatus of embodiment. It is a flowchart which shows the operation | movement at the time of cash payment of the cash payment apparatus of embodiment. It is a flowchart which shows the operation | movement at the time of cash payment of the cash payment apparatus of embodiment. It is a flowchart which shows the operation | movement at the time of cash payment of the cash payment apparatus of embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Cash dispensing apparatus 2 Main control part 5 Banknote processing apparatus 6 Coin processing apparatus 8 Non-contact IC reader / writer 9 Near field communication apparatus 10 Transaction data provisional recording part

Claims (3)

In an electronic money processing machine that cashes and withdraws electronic money recorded in an electronic money storage device,
Solid identification information acquisition means for acquiring solid identification information from the electronic money storage device;
A solid identification information storage unit for storing the solid identification information;
After the identification information acquisition means acquires the individual identification information from the electronic money storage device, the electronic money is reduced from the electronic money storage device by an amount corresponding to the transaction, and after the electronic money is reduced, cash is issued. An electronic money processing machine characterized by making money.   In the case where cash cannot be withdrawn after the electronic money is reduced from the electronic money storage device, the solid identification information and the amount of electronic money reduced from the electronic money storage device are associated with each other. The electronic money processor according to claim 1, wherein the electronic money processor is stored in a solid identification information storage unit.   The electronic money processor according to claim 2, wherein the solid identification information and the amount of electronic money reduced from the electronic money storage device are transmitted to a host device.

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