JP2009205702A - Electronic money notification device and information processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electric money notification device which motivates a person who has found a lost electric money medium to give notice, so that the illegal use of the electric money decreases and the benefit of the owner is protected. <P>SOLUTION: When a person who has found a lost electric money card 10 inserts the electric money card 10 into a card slot 42, an electric money notification device 40 gives a part of the electric money in the electric money card 10 to the finder of the card, and returns the remaining amount to the card owner. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an electronic money notification apparatus and an information processing method related to electronic money.

  Electronic money (digital money, digital money) represents money or points by electronic data.

  In an electronic money system using a recording medium such as an IC card, electronic money is stored in a recording medium such as an IC card by recording electronic money data, and when the owner purchases a product or receives a service, By presenting the electronic money medium and reducing the electronic money by rewriting the data, the reduced amount of electronic money is transferred to the merchandise seller or service provider as payment.

  Moreover, in an electronic money system using a network such as the Internet, electronic payment can be made electronically by exchanging electronic money data via the network.

  As a prior art related to such electronic money, Patent Document 1 (Japanese Patent Application Laid-Open No. 2001-175748) discloses that a usage period is limited to electronic money.

  Japanese Patent Laid-Open No. 2004-192476 discloses a method and apparatus that allow a user to easily manage a plurality of cards.

  Patent Document 3 (Japanese Patent Laid-Open No. 2006-31182) discloses that different sound effects are generated for each card at the time of settlement using an electronic money card.

  Further, Patent Document 4 (Japanese Patent Application Laid-Open No. 2006-318453) discloses that an IC card is used when a mobile phone terminal receives a service on a network.

JP 2001-175748 A JP 2004-192476 A JP 2006-31182 A JP 2006-318453 A

  However, electronic money such as Edy (registered trademark) generally has anonymity, and when an electronic money medium such as an IC card is presented, it is processed without confirming who the person is presented to. .

  Therefore, if the owner loses the electronic money medium, the electronic money may be consumed by the person who picked it up.

  Since the card number is written on the surface of the IC card, if the owner keeps the card number, and the good faith finder reports to the card issuer or the person who manages and manages the electronic money system, the owner It is also possible to receive a return of the IC card.

  However, even if a lost IC card is found, the person who finds it is troublesome to report it, and since it may be confused where to report it, it is often left as it is.

  Therefore, the present invention increases the possibility that a person who finds a lost electronic money medium will report the electronic money medium, resulting in a decrease in unauthorized use of electronic money and the protection of the owner's profit. It is made to be done.

The electronic money notification device of the present invention is
A medium insertion slot into which an electronic money medium holding electronic money represented by electronic data is inserted;
Information processing means for recognizing the electronic money medium inserted into the medium insertion slot and executing processing for returning at least a part of the electronic money held in the electronic money medium to the owner of the electronic money medium; ,
Is provided.

  According to the present invention, when a person who finds a lost electronic money medium reports the electronic money medium and inserts it into the medium insertion slot of the electronic money notification apparatus, at least one of the electronic money held in the electronic money medium is stored. If the department returns to the owner and finds the lost electronic money medium, it is more likely that the electronic money medium will be reported, and as a result, the illegal use of electronic money is reduced and the owner's interest Is protected.

It is a figure which shows an example of the electronic money system of this invention. It is a figure which shows an example of an electronic money terminal device. It is a figure which shows an example of an electronic money notification apparatus. It is a figure which shows an example of the information processing terminal of an electronic money notification apparatus. It is a figure which shows an example of the use restriction process which an electronic money terminal device performs. It is a figure which shows a part of example of a use restriction process which an electronic money terminal device and a management server perform. It is a figure which shows a part of example of a use restriction process which an electronic money terminal device and a management server perform. It is a figure which shows an example of a series of processes which an electronic money terminal device performs in the case of having a lock-on and lock-off function. It is a figure which shows an example of a series of processes which relate to reward payment and electronic money return.

[1. Significance of electronic money and electronic money media]
In this invention, the electronic money indicates money or points by electronically encrypted data. The amount of money may be displayed in either yen or dollars. The points may be exchanged for goods or services according to the number of points.

  The electronic money medium is a so-called electronic wallet that holds and mounts electronic money by recording electronic money data.

  As the shape of the electronic money medium, various shapes other than a card shape such as an IC card are conceivable.

  The electronic money medium has a terminal as a communication system, and has a contact type antenna that is supplied with power and exchanges data by being inserted into the reader / writer, and is brought close to the reader / writer. There is a non-contact type in which electric power is supplied and data is exchanged, and a type having both a contact type and a non-contact type function.

  In addition, there are electronic money media that have a memory and a CPU, those that incorporate a memory and a logic circuit that performs simple control, and those that have only a memory and no CPU. Any of them may be used.

  Furthermore, as an electronic money system, there are a prepaid type in which an electronic money medium is charged (payment) and a combination of a prepaid type and a post-payment type by providing credit.

  A portable terminal such as a mobile phone terminal in which an electronic money medium such as an IC card is incorporated is also an electronic money medium.

[2. System configuration: FIGS. 1 to 4]
(2-1. Overall system: Fig. 1)
FIG. 1 shows an example of an electronic money system of the present invention.

  The electronic money card 10 is a non-contact type IC card such as a FeliCa (registered trademark) card, and includes an IC chip 11 and an antenna 12.

  In the example of the electronic money system of FIG. 1, the electronic money terminal device 20, the electronic money notification device 40, and the server system 70 are connected via a network 90.

  The electronic money terminal device 20 is installed for processing such as payment processing in a store that sells products or a facility that provides services, and the electronic money card 10 is presented for payment of purchase prices for products and services. The reader / writer function is provided, and an information acquisition unit 30 that acquires later-described verification target information is connected.

  The electronic money notification device 40 reports to the finder (the person who has reported it) when the cardholder reports it, such as when the cardholder drops the electronic money card 10 or loses it or picks it up. This is a process for paying labor and returning electronic money to the cardholder. Like the electronic money terminal device 20, it is installed in a store that sells products or a facility that provides services.

  The server system 70 is installed by a person who operates and manages the electronic money system, and includes a management server 71 and a database 72.

  The network 90 is a general-purpose network such as the Internet or a dedicated network for the electronic money system.

  In the electronic money system of this example, data transmitted and received between the electronic money terminal device 20 and the electronic money notification device 40 and the management server 71 is encrypted, and the security of the system is ensured.

  In addition, there are other electronic money systems such as a server of a person who has been granted a card issuance license by a person who operates and manages the system and a server of a person who has given credit to the cardholder. Omitted.

(2-2. Electronic Money Terminal Device and Electronic Money Notification Device: FIGS. 2 to 4)
Specifically, as shown in FIG. 2, the electronic money terminal device 20 includes a controller 24 including a CPU 21, a ROM 22, and a RAM 23. The bus 25 includes a storage device 26, a wireless interface 28 including an antenna 27, and a network interface. 29 and an information acquisition unit 30 described later are connected.

  As the wireless interface 28 as an electronic money compatible interface, a FeliCa (registered trademark) interface or the like can be used.

  The electronic money notification device 40 is structurally shown in FIGS. 3A and 3B (however, FIG. 3A is a view seen from the front, and FIG. The card insertion slot 42 into which the electronic money card 10 is inserted is provided on the front side of the casing 41, and the electronic money card 10 inserted into the card insertion slot 42 is indicated by the broken line 15 in the casing 41. The slide mechanism 43 that is guided to a predetermined position as indicated by, and pushed to the back side of the housing 41 as indicated by a broken line 16, and the electronic money card 10 that is guided to the predetermined position as indicated by a broken line 15 are recognized. An information processing terminal 50 that performs the above processing is provided.

  Specifically, as shown in FIG. 4, the information processing terminal 50 includes a controller 54 including a CPU 51, a ROM 52, and a RAM 53, as in the electronic money terminal device 20, and a storage device unit 56 and an antenna 57 are provided on the bus 55. And a network interface 59 are connected.

[3. Method for preventing unauthorized use of electronic money media: FIGS.
In the electronic money system of the example of FIG. 1, unauthorized use of the electronic money card 10 by a person who has picked up the lost electronic money card 10 is prevented by the following method.

(3-1. Owner information and verification target information)
In order to prevent unauthorized use, owner information and collation target information that is information to be collated with the owner information are used.

<First method: When using biological information>
Specifically, as the first method, the cardholder's biometric information is used as the owner information, and the biometric information of the card presenter (the person who presented the electronic money card 10) is used as the verification target information.

  However, the cardholder's biometric information and the card presenter's biometric information must be of the same type. For example, when using a finger vein as the cardholder's biometric information, the card presenter's biometric information When using a finger vein and using a fingerprint as the cardholder's biometric information, the fingerprint is also used as the cardholder's biometric information, and when using the iris as the cardholder's biometric information, the cardholder's biometric information is used. Iris is also used as information.

  The biometric information of the cardholder is recorded on the electronic money card 10 when the card is issued or after the card is issued, or is associated with the card specifying information such as a number or name recorded on the electronic money card 10 and is associated with the server system 70. Are registered in the database 72.

  When the presenter presents the electronic money card 10, the card presenter's biological information is detected and acquired by the information acquisition unit 30 of the electronic money terminal device 20 shown in FIGS. 1 and 2.

  That is, the information acquisition unit 30 in this case includes a detection unit such as a sensor or a camera that detects a vein of a card presenter's finger, a fingerprint or an iris, and a signal processing unit that processes the detection signal. .

<Second method: When using usage status information and presentation status information>
As a second method, use status information of the cardholder is used as the owner information, and presentation status information that is information indicating a status when the electronic money card 10 is presented is used as the verification target information.

  The usage status information of the cardholder indicates at least one of the location (area or store or facility) where the owner used the electronic money card 10, the date and time, and the purpose (purpose). As for the ward and Shinagawa ward, the date and time is from 8:00 am to 9:00 pm, regardless of the day of the week, and the usage is shopping or transportation expenses for one use within 3,000 yen.

  Each time the electronic money card 10 is used by the cardholder, the usage status information is rewritten by the electronic money terminal device 20 including the information acquisition unit 30 to detect the location, date / time, or usage. As described above, it is recorded in the electronic money card 10 or is registered in the database 72 of the server system 70 in association with card identification information such as a number or name recorded in the electronic money card 10.

  However, this is not historical, and the card owner may set the usage status of the electronic money card 10 in advance.

  The presenting status information also indicates at least one of the location, date and use of the electronic money card 10 being presented, and the presenting status information is the electronic money provided with the information acquisition unit 30 when the electronic money card 10 is presented. It is acquired by detecting the presented place, date and use by the terminal device 20.

  Therefore, the information acquisition unit 30 in this case detects, for example, the location where the electronic money terminal device 20 is present by GPS (Global Positioning System) or the like, and detects the date and time when the electronic money card 10 was presented by a calendar and a clock. Is.

(3-2. Usage restriction processing: FIGS. 5 to 7)
In the electronic money system of the example of FIG. 1, when the electronic money card 10 is presented on the electronic money terminal device 20, i.e., the person who owns the electronic money card 10 purchases the electronic money card 10 to purchase the product. When the money terminal device 20 is held over the wireless interface 28 including the antenna 27, the verification target information is compared with the owner information to determine whether the verification target information matches the owner information. When the information matches the owner information, the use of the electronic money card 10 is permitted, but when the verification target information does not match the owner information, the use of the electronic money card 10 is not allowed.

  As shown in FIG. 5, as the first method, the cardholder's biometric information is used as the owner information, the card presenter's biometric information is used as the verification target information, and the cardholder's biometric information is stored in the electronic money. An example of the use restriction process in the case where the electronic money terminal apparatus 20 executes all the series of processes recorded on the card 10 will be described.

  In this example, the electronic money terminal device 20 first determines in step 101 whether or not the electronic money card 10 has been recognized, and the electronic money card 10 is held over the wireless interface 28 of the electronic money terminal device 20, whereby When the electronic money card 10 is recognized, the process proceeds to step 102 to read the cardholder's biometric information recorded in the electronic money card 10 and then proceeds to step 103 where the information acquisition unit 30 uses the card presenter's biometric information. Detect and get information.

  However, the card presenter's biometric information may be detected and acquired first, and then the cardholder's biometric information may be read.

  Next, in step 105, the card presenter's biometric information is collated with the cardholder's biometric information, and the process further proceeds to step 106. As a result of the collation, the card presenter's biometric information becomes the cardholder's biometric information. Determine whether they match.

  When the card presenter's biometric information matches the cardholder's biometric information, such as when the cardholder presents the electronic money card 10, the process proceeds from step 106 to step 107, where the card is allowed to be used. That is, a process of permitting purchase of goods or provision of services using electronic money in the electronic money card 10 is executed.

  On the other hand, when the card picker presents the electronic money card 10, when the card presenter's biometric information does not match the cardholder's biometric information, the process proceeds from step 106 to step 108, and the use of the card is not permitted. Execute the process.

  Specifically, the card presenter is warned by a warning display or a warning sound that the card cannot be used, and the electronic money card 10 is locked so that the electronic money cannot be used. Furthermore, as another routine, the card owner may be notified directly that the card has been picked up by another person, or the management server 71 may be notified to the card owner.

  Thereby, unauthorized use of the electronic money card 10 by a card picker or the like can be prevented.

  The above example is a case where the electronic money terminal device 20 performs all the series of processing, but the management server 71 may perform some processing.

  As shown in FIGS. 6 and 7 as the first method, the cardholder's biometric information is used as the owner information, the card presenter's biometric information is used as the verification target information, and the cardholder's biometric information is used. Is registered in the management server 71, and an example of the use restriction process when the management server 71 executes a part of a series of processes is shown.

  In this example, the electronic money terminal device 20 first determines in step 111 whether or not the electronic money card 10 has been recognized. When the electronic money card 10 is recognized, the electronic money terminal device 20 proceeds to step 112 and enters the electronic money card 10. The card identification information such as the recorded number and name is read, and the process further proceeds to step 113 where the information acquisition unit 30 detects and acquires the biometric information of the card presenter.

  However, also in this case, the card presenter's biological information may be detected and acquired first, and then the card specifying information may be read.

  Next, the electronic money terminal device 20 transmits the card specifying information and the card presenter's biometric information to the management server 71 in step 114.

  In step 121, the management server 71 receives the card specifying information and the card presenter's biometric information, and further proceeds to step 122 to associate the card specifying information with the database 72 based on the card specifying information. The biometric information of the registered cardholder is read out.

  Next, in step 123, the management server 71 collates the card presenter's biometric information with the cardholder's biometric information, and further proceeds to step 124. As a result of the collation, the card presenter's biometric information is stored in the card possessor. It is determined whether or not it matches the biological information of the person.

  When the card presenter's biometric information matches the cardholder's biometric information, the management server 71 proceeds from step 124 to step 125 to notify the electronic money terminal device 20 that the card presenter matches the card presenter. If the biometric information does not match the cardholder's biometric information, the process proceeds from step 124 to step 126 to notify the electronic money terminal device 20 that the biometric information does not match.

  After step 114, the electronic money terminal device 20 proceeds to step 115, receives the notification from the management server 71, further proceeds to step 116, and the notification content is “match” or “match” Judge whether or not.

  Then, when the notification content is “match”, the electronic money terminal device 20 proceeds from step 116 to step 117 to execute a process for permitting card use, and when the notification content is “not match”, the step Proceeding from step 116 to step 118, processing for not permitting card use is executed.

  Further, the electronic money terminal device 20 reports the result to the management server 71 in step 119, and the management server 71 receives the report in step 129.

  The above example is a case where the first method is used, that is, the case where the cardholder's biometric information is used as the owner information and the card presenter's biometric information is used as the verification target information. That is, the same applies to the case where the cardholder's usage status information is used as the owner information and the presentation status information is used as the verification target information.

  Specifically, in this case, for example, the usage status information of the cardholder is that the place is Minato-ku and Shinagawa-ku, and the date is 8am to 9pm, regardless of the day of the week. When the use of the time is shopping within 3000 yen or transportation expenses, the situation when the electronic money card 10 shown in the presentation status information is presented is Shinjuku-ku as the place, and the date and time is 3:00 am And when it is a food and drink of 20,000 yen as an application, the presentation status information will not match the usage status information, and the card use will not be allowed.

(3-3. On / off of usage restriction processing: FIG. 8)
According to the above method, unauthorized use of the electronic money card 10 by a card picker or the like can be prevented. For example, the card owner gives the electronic money card 10 to another person, and the other person's thing. When the user presents or purchases his / her own item, the card presenter's biometric information does not match the cardholder's biometric information, and the use of the card is not permitted.

  Even in the case of the second method described above, for example, the date and time when the cardholder uses the electronic money card 10 at a place or use different from the place or use where the electronic money card 10 is always used. When the electronic money card 10 is used at a different date and time, the card usage is not permitted because the presentation status information does not match the usage status information.

  Therefore, for the electronic money card 10, the card holder can cancel the above-mentioned use restriction state and then return to the use restriction state.

  This lock-off (cancellation of use restriction state) and lock-on (use restriction state setting) are performed by, for example, PaSoRi (registered trademark) connected to a PC (Personal Computer) by USB (Universal Serial Bus) or the like. (An example of a registered trademark interface) can be performed on a PC by holding the electronic money card 10 over an interface corresponding to electronic money, or the electronic money card 10 is built in a mobile terminal such as a mobile phone terminal. If so, be able to do it on that mobile terminal.

  Further, the electronic money terminal device 20 can be configured so that the cardholder can hold the electronic money card 10 over the wireless interface 28 of the electronic money terminal device 20 to perform lock-off and lock-on.

  However, in any case, with regard to the lock-off, the use restricted state cannot be canceled unless the password or the password set for the electronic money card 10 by the cardholder is input.

  When the cardholder causes another person to use the electronic money card 10 as described above, the cardholder releases the lock-on state (usage-restricted state) by the above method, and uses the electronic money card after use by another person. When 10 is returned, the lock-on state may be restored as necessary. The same applies to the case of the second method.

  In the case where the lock-on and lock-off functions are provided in FIG. 8, the card owner's biometric information is used as the owner information and the card presenter's biometric information is used as collation target information, as in the example of FIG. And a card holder's biometric information is recorded in the electronic money card 10 and the electronic money terminal device 20 executes all the series of processes.

  In this example, the electronic money terminal device 20 first determines in step 131 whether or not the electronic money card 10 is recognized. When the electronic money card 10 is recognized, the electronic money card 10 proceeds to step 132 and the electronic money card 10 It is determined whether or not the lock is on.

  When the electronic money card 10 is in the lock-on state, the process proceeds from step 132 to step 110, and a series of use restriction processes as shown in steps 102 to 108 in FIG.

  On the other hand, when the electronic money card 10 is in the lock-off state, the process proceeds from step 132 to step 133, and processing for allowing the card use is performed without acquiring and collating the cardholder and the card presenter's biometric information. Execute.

[4. Benefits paid to finders and return of electronic money to owners: Figure 9]
In the electronic money notification apparatus 40 shown in FIGS. 3 and 4 in the electronic money system of the example of FIG. 1, the person who picked up the electronic money card 10 lost by the card holder reports the electronic money card 10 to the electronic money. By inserting the card into the card insertion slot 42 of the device 40, a reward money is paid to the card picker and electronic money is returned to the card holder as follows.

  The reward money is a predetermined ratio or a predetermined amount of electronic money remaining in the electronic money card 10. In the case of the predetermined ratio, it may be a constant ratio such as 10% regardless of the amount of remaining electronic money, but may be determined in stages according to the amount of remaining electronic money. In the case of a predetermined amount, if the remaining electronic money is less than the predetermined amount, it is determined as the remaining electronic money.

  It is desirable to provide a reward to the card finder by charging (paying) as electronic money to an electronic money card owned by the finder, which is different from the lost electronic money card 10.

  In the electronic money system of the example of FIG. 1, an electronic money notification device 40 is installed in the vicinity of the electronic money terminal device 20, the electronic money terminal device 20 and the electronic money notification device 40 are connected, and the electronic money terminal device 20 is charged. By providing the function, the card picker inserts the picked-up electronic money card 10 into the card insertion slot 42 of the electronic money notifying device 40, and then uses the electronic money card owned by the card picker as a wireless interface of the electronic money terminal device 20. By holding it over 28, you can receive reward money on the spot.

  Further, after the card finder inserts the picked-up electronic money card 10 into the card insertion slot 42 of the electronic money reporting device 40, and then separately connects to the management server 71 with a PC or a portable terminal, the charge of electronic money is charged. You may be able to receive reward money.

  Further, a reward money may be paid to the card finder by issuing an electronic money card or issuing a ticket that can be converted into electronic money.

  The electronic money obtained by reducing the reward money from the electronic money remaining in the electronic money card 10 or the electronic money obtained by further reducing a predetermined fee is returned to the card holder.

  As a method for the return, in addition to a method of returning the picked-up electronic money card 10 itself holding at least electronic money after reducing the reward money to the owner, the picked-up electronic money card 10 The electronic money after the owner is connected to the management server 71 with a PC or a portable terminal or the like is reduced at least as a part of the reward money as a charge to another electronic money card of the owner The method of returning can be used.

  According to the above method, the person who finds the lost electronic money card 10 feels that it is troublesome to report, and is less likely to be confused about where to report, and may report the electronic money card 10. As a result, fraudulent use of electronic money is reduced and the interests of the owner are protected.

  FIG. 9 shows an example of a series of processes related to reward payment and electronic money return as described above, which are executed by the information processing terminal 50 of the electronic money notification device 40 of the electronic money system of the example of FIG.

  In this example, the information processing terminal 50 of the electronic money notification device 40 first determines in step 151 whether or not the electronic money card 10 is recognized, and the electronic money card 10 is inserted into the card insertion slot as shown in FIG. When the electronic money card 10 is recognized by being inserted into 42 and guided to a predetermined position as indicated by a broken line 15, the process proceeds to step 152 to determine whether or not the electronic money card 10 is in a lock-on state. to decide.

  When the electronic money card 10 is in the lock-on state, the process proceeds from step 152 to step 153 to rewrite the electronic money data and reduce the electronic money for the payment of the reward money to the card picker. In addition, the lock-on state of the electronic money card 10 is released, that is, the electronic money card 10 is set to the lock-off state, and the process proceeds to step 154.

  On the other hand, when the electronic money card 10 is in the lock-off state, the process proceeds from step 152 to step 154 as it is.

  In step 154, the amount of electronic money remaining on the electronic money card 10 is reduced by the amount of reward money, and a process for providing the card finder with a benefit is executed.

  Next, in step 155, the information processing terminal 50 executes a process for returning the reduced electronic money to the cardholder.

  Next, in step 156, the information processing terminal 50 places the electronic money card 10 in the lock-on state, and further proceeds to step 157 to report the above result to the management server 71.

  In the electronic money notification device 40, after the above processing is executed by the information processing terminal 50, the electronic money card 10 in the lock-on state is pushed out to the back side of the housing 41 as indicated by a broken line 16 in FIG. 3. It is.

  If the cardholder has reported that the electronic money card 10 has been lost before the card finder reports the electronic money card 10, of course, when the card finder reports the electronic money card 10, Even when the owner has not notified that the electronic money card 10 has been lost, the card holder is notified that the electronic money card 10 has been delivered after the above-described series of processing, and the card owner You can get your electronic money back in the same way.

  Since the main part is described in the figure, it is omitted here.

Claims (4)

A medium insertion slot into which an electronic money medium holding electronic money represented by electronic data is inserted;
Information processing means for recognizing the electronic money medium inserted into the medium insertion slot and executing processing for returning at least a part of the electronic money held in the electronic money medium to the owner of the electronic money medium; ,
An electronic money notification device comprising: In the electronic money notification device according to claim 1,
The information processing means further includes an electronic money notification device for executing a process of providing at least a part of the electronic money held in the electronic money medium to a person who has notified the electronic money medium. Recognizing an electronic money medium that holds electronic money represented by electronic data inserted into a medium insertion slot provided in the apparatus;
Executing a process of returning at least a part of the electronic money held in the electronic money medium to the owner of the electronic money medium;
An information processing method comprising: The information processing method according to claim 3.
Further, an information processing method comprising a step of executing a process of providing at least a part of the electronic money held in the electronic money medium to a person who has notified the electronic money medium.

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