JP2010198568A - Gateway device, and auto electronic money charging system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means for enabling more users to use an auto charging service of electronic money. <P>SOLUTION: A gateway device includes an electronic money provider connection part connected to an electronic money transaction system 300 for managing electronic money transactions of an electronic money provider through a network, a settlement provider connection part connected to a settlement transaction system 200 for managing settlement transactions of a settlement provider through the network, and a connection specification adjusting part 130 for adjusting difference between connection specifications by provider, wherein the electronic money provider connection part receives from the electronic money transaction system 300 identification information for identifying an auto charging settlement requester, an auto charging requested amount, and an auto charging settlement request that designates the classification of a settlement means, and the connection specification adjusting part 130 corresponds to the connection specification of the settlement transaction system 200 corresponding to the settlement means and generates a telegraphic message describing the identification information and contents of the auto charging requested amount. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a gateway device that mediates auto-charge settlement of electronic money, and an electronic money auto-charge system including the device.

Currently, electronic money is often used mainly for small payments.
Electronic money is generally used as a prepaid payment method. In order to use electronic money, an act of “charging” is required in advance. In addition, there is a service called “auto charge” that automatically performs this charge.
In order to use the auto charge service, it is necessary to have in advance a credit card designated by the electronic money business operator as a means of payment for auto charge.

  Conventionally, regarding the charging of electronic money, “There is no need to consider the upper limit amount of charging of electronic money media, and it is easy to charge electronic money. "The R / W unit 310 reads the charge upper limit amount and the electronic money balance of the electronic money medium. The remaining amount acquisition unit 350 acquires the remaining amount of the prepaid card. The selected amount acquisition unit 360 acquires the selected amount that is selected when charged from the remaining amount of the prepaid card. The surplus amount calculation unit 370 subtracts the electronic money balance from the upper limit amount and calculates a surplus amount that can be charged at the present time. The excess amount calculation unit 380 calculates the excess amount by subtracting the surplus amount from the selected amount. When the excess amount exceeds 0, the charge amount determination unit 390 instructs the R / W unit 310 to additionally charge the surplus amount and notifies the card settlement apparatus 200 of the excess amount from the connection unit 340. Then, the cash corresponding to the excess amount is paid out from the cash payout unit 240 of the card settlement apparatus 200. ] Has been proposed (Patent Document 1).

JP 2007-209445 A (summary)

In the current prepaid electronic money, the means for auto-charging is limited to a specific credit card, and the places where auto-charging can be performed are also limited. Therefore, the convenience of the user was impaired.
In order to have a credit card, it is necessary to pass the examination. Therefore, not all users can use the auto charge service.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a means by which more users can use an electronic money auto-charge service.

  The gateway device according to the present invention is a gateway device that mediates auto-charge settlement of electronic money, and is connected to an electronic money business operator that connects to an electronic money business system that manages electronic money business of an electronic money business operator via a network A payment operator connection unit that connects to a payment transaction system that manages payment transactions of a payment operator via a network, and a connection specification adjustment unit that adjusts a difference in connection specifications for each operator, The electronic money provider connection unit receives, from the electronic money transaction system, an auto charge settlement request specifying identification information for identifying an auto charge settlement requester, an auto charge request amount, and a type of settlement means, and the connection specification In accordance with the connection specification of the payment transaction system corresponding to the payment means, the adjustment unit It generates a message that describes the contents of the auto charge request amount, the settlement operator connections, the message which the connection specification adjuster has generated, and transmits to the payment transaction system corresponding to the payment means.

  Since the gateway device according to the present invention generates a message conforming to the connection specifications of a settlement operator corresponding to the auto-charge settlement means, the user of electronic money uses a plurality of settlement means to perform auto-charge settlement. It can be carried out.

1 is a configuration diagram of an electronic money autocharge system according to Embodiment 1. FIG. 2 is a functional block diagram of a gateway device 100. FIG. It is a block diagram of the gateway apparatus 100 which concerns on Embodiment 2. FIG. 6 is a functional block diagram of a gateway device 100 according to Embodiment 3. FIG. In Embodiment 3, it is an operation | movement flow of an electronic money auto charge system when the determination part 140 determines that an auto charge settlement request is permitted. In Embodiment 3, it is an operation | movement flow of an electronic money auto charge system when the determination part 140 determines that an auto charge settlement request is not permitted.

Embodiment 1 FIG.
FIG. 1 is a configuration diagram of an electronic money autocharge system according to Embodiment 1 of the present invention. The electronic money autocharge system according to the first embodiment includes a gateway device 100, a payment transaction system 200, an electronic money transaction system 300, and a store terminal 400.

  The gateway device 100 mediates a settlement transaction when an electronic money user uses the auto charge service at the store terminal 400. Details will be explained again.

  The settlement transaction system 200 is an information system possessed by a settlement operator of an auto charge service. The settlement transaction system 200 performs settlement processing for auto charge, determines whether or not to permit the settlement, and returns a determination result.

The electronic money transaction system 300 is an information system possessed by an electronic money service provider.
The electronic money transaction system 300 accepts an auto-charge settlement request.
Next, after giving credit card information or bank account information held by the electronic money transaction system 300 and an auto charge execution amount, an auto charge settlement request message is transmitted to the gateway device 100.
Next, the electronic money transaction system 300 waits for a determination result as to whether or not to permit payment and returns it to the transmission source of the payment request.
Details of these processes will be described later.

It is assumed that the electronic money user registers in advance in the electronic money transaction system 300 the means for settlement of the electronic money autocharge service.
For example, when a settlement is made by debiting from a bank account, information that can identify a bank account used for settlement, such as a bank branch number and an account number, is registered.
When making a payment with a credit card, information such as a credit card number and an expiration date is registered.

  The store terminal 400 is a terminal such as a card reader installed in a store where an electronic money user performs shopping. The store terminal 400 is used by electronic money users to make payments such as shopping with electronic money.

There may be a plurality of settlement transaction systems 200 depending on the number of settlement operators connected to the gateway device 100.
There may be a plurality of electronic money transaction systems 300 depending on the number of settlement operators connected to the gateway device 100.
There may be a plurality of store terminals 400 depending on the number of stores connected to the electronic money transaction system 300.

The gateway device 100, each of the above systems, and the store terminal 400 are connected by an appropriate network.
Specifically, it is preferable to connect the gateway device 100 and the electronic money transaction system 300 with a secure line such as a dedicated line in consideration of security.
Further, the gateway device 100 and the payment transaction system 200 can be connected by a payment network that complies with the connection specifications of each payment operator.

FIG. 2 is a functional block diagram of the gateway device 100.
The gateway device 100 includes electronic money business operator connection units 111 and 112, a settlement business operator connection unit 121, 122, 123, and 124, and a connection specification adjustment unit 130.

The electronic money business operator connection units 111 and 112 are connected to the electronic money transaction system 300 via a network to transmit and receive electronic messages.
Although FIG. 2 shows an example in which there are two electronic money business operator connections assuming that there are two electronic money business operators, the number of the same parts may be arbitrary. For example, the number of the same part may be increased or decreased according to the number of electronic money transaction systems 300 to be connected, or only one.
Further, the number of physical network interfaces corresponding to the electronic money provider connection unit may be arbitrary. For example, one interface may be shared by each electronic money business operator connection unit, or a physical interface may be provided for each electronic money business operator connection unit.
In the following, when a plurality of electronic money business operator connection parts are collectively referred to, no number is assigned.

The settlement operator connection units 121 to 124 connect to the settlement transaction system 200 via a network and transmit / receive messages.
Although FIG. 2 shows an example in which there are four settlement operator connection sections assuming that there are four settlement companies, the number of the same sections may be arbitrary. For example, the number of the same part may be increased or decreased according to the number of settlement transaction systems 200 of connection destinations, or only one.
Further, the number of physical network interfaces corresponding to the settlement operator connection unit may be arbitrary. For example, one interface may be shared by each settlement operator connection unit, or a physical interface may be provided for each settlement operator connection unit.
In the following, when collectively referring to a plurality of settlement service provider connections, no number is assigned.

The connection specification adjustment unit 130 is a functional unit that adjusts the difference in connection specifications for each settlement operator and enables each settlement operator and the gateway device 100 to transmit and receive messages to and from each other.
Note that the connection specification adjusting unit 130 may be configured to adjust a difference in connection specifications for each electronic money business operator.

The electronic money business operator connection units 111 and 112, the payment business operator connection units 121 to 124, and the connection specification adjustment unit 130 can be configured by using hardware such as a circuit device that realizes these functions, An arithmetic device such as a CPU (Central Processing Unit) and software defining its operation can also be used.
In addition, the electronic money business operator connection units 111 and 112 and the settlement business operator connection units 121 to 124 appropriately include a network interface as necessary.

The configuration of the electronic money autocharge system according to the first embodiment has been described above.
Next, the operation of the electronic money autocharge system according to the first embodiment will be described according to steps (1) to (6) attached to FIG.

(1) Auto charge settlement request (store terminal to electronic money transaction system)
A user of electronic money uses the auto charge service using the store terminal 400. Since it is an auto charge, the user does not need to perform a specific operation.
The store terminal 400 transmits a telegram requesting payment for auto-charge to the electronic money transaction system 300. This electronic message includes identification information of the user stored in an electronic money card or the like.
Instead of user identification information, identification information such as an electronic money card may be used. Other information may be used as long as the person who requests auto-charge settlement can be identified.

(2) Auto charge determination request (electronic money transaction system to gateway device)
The electronic money transaction system 300 receives the auto charge settlement request message transmitted by the store terminal 400. The electronic money transaction system 300 specifies the auto-charge settlement requester using the identification information included in the message.
When the auto-charge payment requester is specified, the means for the payment by the person can be specified based on information registered in advance by the user.
The electronic money transaction system 300 adds information that can specify the payment means of the auto-charge payment requester to the auto-charge payment request message received from the store terminal 400, and determines whether or not to permit the automatic charge payment. An auto charge determination request message requesting determination is generated. The generated auto charge determination request message is transmitted to the gateway device 100.
At this time, the electronic money transaction system 300 includes a predetermined auto charge request amount held in advance in the auto charge determination request message. This amount may be uniform for all auto charge settlement requesters, or an individual amount may be set for each auto charge settlement requester.

(3) Auto charge determination request (gateway device-settlement transaction system)
The electronic money provider connection unit of the gateway device 100 receives the auto charge determination request message transmitted by the electronic money transaction system 300.
The connection specification adjusting unit 130 interprets the autocharge determination request message, extracts the autocharge payment requester identification information, the payment request amount, and the payment means, and sets the payment transaction system 200 of the payment operator corresponding to the payment means. Reconfigure the auto-charge determination request message in a format that conforms to the connection specifications.
This auto-charge determination request message includes identification information of the auto-charge settlement requester and a settlement request amount.
The settlement operator connection unit of the gateway apparatus 100 transmits an auto charge determination request message to the settlement transaction system 200 according to the connection specifications of the settlement operator.

(4) Auto charge determination result (payment transaction system to gateway device)
The settlement transaction system 200 receives the auto charge determination request message transmitted by the gateway device 100.
The settlement transaction system 200 interprets the auto charge determination request message, extracts the identification information of the auto charge settlement requester and the settlement request amount, and determines whether or not to permit the settlement. Moreover, the determination result is returned to the gateway apparatus 100 as an auto charge determination result message.

(5) Autocharge determination result (gateway device-electronic money transaction system)
The settlement operator connection unit of the gateway device 100 receives the auto charge determination result message transmitted by the settlement transaction system 200.
The connection specification adjustment unit 130 interprets the auto-charge determination result message, and reconfigures the message format according to the connection specification of the electronic money transaction system 300.
The electronic money provider connection unit transmits the autocharge determination result message to the electronic money transaction system 300.

(6) Autocharge determination result (electronic money transaction system-store terminal)
The electronic money transaction system 300 receives the auto-charge determination result message transmitted by the gateway device 100, converts the message format as necessary, and transmits the message to the store terminal 400.
The store terminal 400 receives the auto-charge determination result message, and executes processing such as writing the charge amount to an electronic money card or the like according to the determination result, and displaying an error.

  The operation of the electronic money autocharge system according to the first embodiment has been described above.

As described above, in the first embodiment, the connection specification adjusting unit 130 of the gateway device 100 transmits and receives a message conforming to the connection specification of the settlement transaction system 200.
Thereby, the electronic money transaction system 300 can transmit an auto charge determination request message to a plurality of types of settlement operators.
Therefore, the user of electronic money can use a plurality of types of payment providers as a payment means for the auto charge service, and more users can use the auto charge service.

Embodiment 2. FIG.
FIG. 3 is a configuration diagram of the gateway device 100 according to Embodiment 2 of the present invention.
In the second embodiment, the connection specification adjusting unit 130 of the gateway device 100 generates or interprets a message corresponding to the connection specification of the settlement transaction system 200 for each type of the settlement transaction system 200 to which the gateway device 100 is connected. A telegram generator.
Other configurations are the same as those described in the first embodiment.

  Here, the bank message generation unit 131, the domestic credit message generation units 132 and 133, and the overseas credit message generation unit 134 are illustrated, but the number and types of message generation units are not limited to this, and the types of settlement operators It may be configured as appropriate according to the number.

The bank message generator 131 generates or interprets a message that conforms to the connection specifications of a specific bank settlement transaction system.
The domestic credit message generator 132 generates or interprets a message that conforms to the connection specifications of a specific domestic credit settlement transaction system.
The domestic credit message generation unit 133 generates or interprets a message that conforms to the connection specifications of another domestic credit settlement transaction system.
The overseas credit message generation unit 134 generates or interprets a message that conforms to the connection specifications of a specific overseas credit settlement transaction system.

Each functional unit included in the connection specification adjusting unit 130 can be configured by using hardware such as a circuit device that realizes the function, or is configured by an arithmetic device such as a microcomputer or a CPU and software that defines the operation thereof. You can also.
For example, each of these functional units may be configured as a software module that unifies API (Application Programming Interface).
In this case, even if the types and number of settlement transaction systems 200 to be connected increase, only the software module corresponding to the system is added to the gateway device 100, and the gateway device 100 can communicate with the new settlement transaction system 200. You can send and receive messages.

Embodiment 3 FIG.
In the third embodiment of the present invention, a configuration is described in which the gateway device 100 holds credit information of an autocharge settlement requester and firstly determines whether or not to permit an autocharge settlement request on behalf of a settlement operator. To do.

FIG. 4 is a functional block diagram of gateway device 100 according to the third embodiment.
The gateway device 100 according to the third embodiment includes a determination unit 140 and a storage unit 150 in addition to the configuration of the gateway device 100 described in the first or second embodiment.

  The storage unit 150 stores credit information 151 of users of electronic money. The credit information 151 may be stored in the storage unit 150 in advance, or the latest credit information may be updated by an electronic money business operator or a settlement business as necessary.

  Based on the credit information 151, the determination unit 140 primarily determines whether or not to permit an autocharge settlement request. The specific operation will be described again with reference to FIG.

  The determination unit 140 can be configured by using hardware such as a circuit device that realizes the function, or can be configured by an arithmetic device such as a microcomputer or CPU and software that defines the operation thereof.

  The storage unit 150 can be configured by a storage device such as an HDD (Hard Disk Drive).

  FIG. 5 is an operation flow of the electronic money autocharge system when the determination unit 140 determines that the autocharge settlement request is permitted in the third embodiment. The operation flow of FIG. 5 will be described below according to steps (1) to (7) attached to FIG.

(1) Autocharge settlement request to (2) Autocharge determination request Steps (1) to (2) are the same as steps (1) to (2) in FIG.

(3) Auto Charge Primary Determination The determination unit 140 of the gateway device 100 uses the credit information 151 to perform a credit check of the auto charge settlement requester. This credit check has a preliminary examination significance before the settlement transaction system 200 performs a final credit check.
Here, it is assumed that the auto charge settlement requester has passed the credit check.

(4) Autocharge determination request to (7) Autocharge determination result Steps (4) to (7) are the same as steps (3) to (6) in FIG.

  FIG. 6 is an operation flow of the electronic money autocharge system when the determination unit 140 determines that the autocharge settlement request is not permitted in the third embodiment. The operation flow of FIG. 6 will be described below according to steps (1) to (5) attached to FIG.

(1) Autocharge settlement request to (2) Autocharge determination request Steps (1) to (2) are the same as steps (1) to (2) in FIG.

(3) Auto Charge Primary Determination The determination unit 140 of the gateway device 100 uses the credit information 151 to perform a credit check of the auto charge settlement requester.
Here, it is assumed that the auto-charge settlement requester has not passed the credit check.

(4) Auto charge determination result (gateway device-electronic money transaction system)
The connection specification adjustment unit 130 reconfigures the determination result of the determination unit 140 as an autocharge determination result message according to the connection specification of the electronic money transaction system 300.
The electronic money provider connection unit transmits the autocharge determination result message to the electronic money transaction system 300.

(5) Autocharge determination result (electronic money transaction system-store terminal)
Step (5) is the same as step (6) in FIG.

  The operation of the electronic money autocharge system according to the third embodiment has been described above.

As described above, the gateway device 100 according to the third embodiment holds the credit information 151 of the auto-charge settlement requester, and based on this, firstly determines whether or not to permit the settlement request.
Thereby, when the credit state of the requester of the auto charge settlement is bad, the determination result can be returned without inquiring the settlement transaction system 200, so that an effect of improving the response of the electronic money auto charge system can be expected. Moreover, the burden placed on the settlement transaction system 200 can be reduced.

  Further, in the third embodiment, the credit information 151 is used as a preliminary judgment-like primary determination, so that even if the auto charge settlement request should not be permitted, the settlement information is erroneously permitted. There is no need to consider such concerns.

Embodiment 4 FIG.
In the first to third embodiments, it has been described that the identification information of the auto-charge settlement requester is transmitted / received between the systems. Such processing may be appropriately performed.
For example, the gateway device 100 converts the identification information of the payment requester included in the auto-charge determination request message received from the electronic money transaction system 200 into a code system used by the payment transaction system 200, and sends it to the payment transaction system 200. You may send it.
After receiving the determination result message from the settlement transaction system 200, the conversion opposite to the previous conversion is performed and returned to the electronic money transaction system 300.

In Embodiments 1 to 3 described above, the autocharge determination result message may include not only whether or not to permit autocharge settlement, but also the reason for this in the message.
For example, reasons such as “insufficient balance” and “exceeding the expiration date” can be included in the same message as an error code or the like as reasons for not permitting automatic charge settlement.

In the first to third embodiments described above, the electronic money transaction system 300 may include the identification information of the electronic money business operator in the message transmitted from the electronic money transaction system 300 to the gateway device 100.
The gateway device 100 can identify the electronic money business operator from the network information such as the IP address of the electronic money transaction system 300 of the connection source, or use the identification information as described above to execute the electronic money business operator on the application. May be specified.
In particular, when there are a large number of electronic money transaction systems 300 and electronic money business operators, it is convenient for settlement processing to identify them individually using an identification code of each electronic money business transaction system 300 or electronic money business operator. is there.

In the above first to third embodiments, the message transmitted by the store terminal 400 may include identification information of the store terminal 400.
The electronic money transaction system 300 can also specify the store terminal 400 from network information such as the IP address of the store terminal 400 that is the connection source, or specify the store terminal 400 on the application using the identification information as described above. May be.
In particular, when there are a large number of store terminals 400, it is convenient for the settlement process to identify individual store terminals 400 using an identification code of each store terminal 400 or the like.

  In the above first to third embodiments, when the gateway device 100 processes a plurality of autocharge determination requests at the same time, a measure such as exclusive processing of individual transactions may be taken as necessary.

Embodiment 5 FIG.
Although the gateway device 100 described in the first to fourth embodiments may be individually owned by a specific electronic money business operator or a settlement business operator, a plurality of electronic money business operators or settlement business operators are commonly used. If it can be used, it is economically efficient.
For example, a common server center connected to each settlement transaction system 200 and each electronic money transaction system 300 via a network may be provided, and the gateway device 100 may be installed in this server center.

When an electronic money business operator individually handles a plurality of settlement methods, the corresponding cost increases. Further, if the electronic money business operator individually possesses the gateway device 100, the cost similarly increases.
As described in the third embodiment, it is advantageous in terms of cost if the gateway device 100 can be shared by a plurality of electronic money business operators. In addition, the advantage of the electronic money is also reflected in the user of the electronic money, and the use cost of the electronic money is reduced.

Embodiment 6 FIG.
In the first to fifth embodiments described above, it has been described that the electronic money transaction system 300 holds the specified value of the auto charge request amount in advance.
The auto charge request amount may be recorded in advance on an electronic money card or the like, and the amount may be described in an auto charge settlement request message transmitted from the store terminal 400 to the electronic money transaction system 300.
In this case, since the electronic money transaction system 300 does not have to hold the specified value of the auto charge request amount, the processing of the electronic money transaction system 300 is simplified.

  Similarly, the settlement transaction system 200 may hold a specified value for the auto charge request amount in advance. In this case, the electronic money transaction system 300 only has to transmit to the settlement transaction system 200 that an auto charge is requested.

  DESCRIPTION OF SYMBOLS 100 Gateway apparatus, 111-112 Electronic money company connection part, 121-124 Settlement company connection part, 130 Connection specification adjustment part, 200 Settlement transaction system, 300 Electronic money transaction system, 400 Shop terminal.

Claims (9)

A gateway device that mediates electronic money auto-charge settlement,
An electronic money provider connection unit that connects to an electronic money transaction system that manages electronic money transactions of the electronic money provider via a network;
A payment operator connection unit connected to a payment transaction system for managing payment transactions of the payment operator via the network;
A connection specification adjustment unit that adjusts the difference in connection specifications for each operator,
With
The electronic money business operator connection section
From the electronic money transaction system, an identification information for identifying an autocharge settlement requester, an autocharge request amount, and an autocharge settlement request specifying a type of settlement means are received,
The connection specification adjusting unit is
According to the connection specification of the payment transaction system corresponding to the payment means, generate a message describing the contents of the identification information and the amount of the auto charge request,
The settlement operator connection unit
The gateway apparatus characterized by transmitting the message generated by the connection specification adjusting unit to the payment transaction system corresponding to the payment means. The settlement operator connection unit
From the payment transaction system, receiving a determination result whether or not to allow an auto-charge payment request,
The connection specification adjusting unit is
According to the connection specification of the electronic money transaction system that transmitted the auto-charge settlement request, generate a message describing the determination result,
The electronic money business operator connection section
The gateway device according to claim 1, wherein the electronic statement generated by the connection specification adjusting unit is transmitted to the electronic money transaction system that has transmitted the auto-charge settlement request. The connection specification adjusting unit is
A message generation unit that generates a message in accordance with the connection specifications of the settlement transaction system,
The gateway device according to claim 1, wherein the gateway device is provided for each type of the settlement means. A storage unit for storing credit information of the requester of the auto-charge settlement;
A determination unit that determines whether to permit an auto-charge settlement request based on the credit information;
With
When the determination unit determines that the automatic charge settlement request is not permitted,
The settlement operator connection unit does not transmit a message to the settlement transaction system,
The gateway device according to any one of claims 1 to 3, wherein the electronic money provider connection unit transmits the determination result of the determination unit to the electronic money transaction system. A gateway device according to any one of claims 1 to 4,
An electronic money transaction system for managing electronic money transactions of the electronic money business operator;
A settlement transaction system for managing settlement transactions of the settlement operator;
An electronic money auto charge system comprising: The electronic money transaction system includes:
Receive an autocharge payment request specifying identification information identifying the autocharge payment requestor,
Based on the identification information, the auto-charge settlement requester specifies a settlement means for performing settlement of the auto-charge,
6. The electronic money autocharge system according to claim 5, wherein an autocharge settlement request specifying the identification information, the autocharge request amount, and a type of the settlement means is transmitted to the gateway device. The electronic money transaction system includes:
Holds information that identifies the credit card or bank account held by the autocharge payment requestor,
When receiving the auto-charge settlement request,
Identify the credit card or bank account owned by the autocharge payment requester based on the identification information,
The electronic money auto charge system according to claim 6, wherein the credit card or bank account is designated as the settlement means. The electronic money transaction system includes:
Holds the specified value for the auto charge amount,
When receiving the auto-charge settlement request,
The electronic money autocharge system according to claim 6 or 7, wherein the autocharge request amount is specified based on the specified value. The electronic money autocharge system according to any one of claims 5 to 8, wherein the gateway device and the electronic money transaction system are connected by a dedicated line.

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