JP2011048484A - Electronic money management system and balance display method of electronic money - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily confirm a balance of electronic money at any time by a mobile terminal while protecting privacy. <P>SOLUTION: An electronic money management system includes: the mobile terminal including an electronic money function and a display part; a settlement terminal including an electronic money function and a display part; and an information management terminal performing management of the electronic money. In the electronic money management system, the mobile terminal transmits ID information, balance information before settlement, first control information prescribing display/non-display of the balance information in the settlement terminal to the settlement terminal, the settlement terminal transmits the ID information, the balance information before the settlement, and settlement money amount information to the information management terminal, the information management terminal subtracts a settlement money amount from the balance before the settlement to calculate the balance information after the settlement, stores it associatively to the ID information, and transmits it to the settlement terminal, and the settlement terminal transfers the balance information after the settlement to the mobile terminal, and controls the display/non-display of the balance information after the settlement based on the first control information. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to an electronic money management system including a portable terminal having an electronic money function, and an electronic money balance display method in the electronic money management system.

  In recent years, mobile terminals such as mobile phones capable of settlement using electronic money have become widespread. This mobile terminal is equipped with a function (electronic money function) for performing non-contact data communication with a reader / writer using electromagnetic induction or electromagnetic coupling, and is provided at a storefront terminal or a ticket gate provided in a store. By transmitting the information stored in the IC to the gate, it is possible to pay for the price of goods or the fare of the train.

  Regarding a portable terminal having such an electronic money function, for example, Patent Document 1 below discloses a portable telephone unit having a voice call function, a data communication function and a data display function via a communication network, and a gate for gate control. A mobile device is disclosed in which a card communication unit that transmits and receives data in a contactless manner with a contactless card used in a processing apparatus is integrally provided.

JP 2002-83322 A

  In the conventional electronic money management system, since the balance of electronic money after settlement is displayed on the storefront terminal or gate, for example, when the payment is made at the storefront terminal or gate, There was a problem that privacy was not protected by people who pass.

  In addition, when checking the balance after settlement on a mobile terminal, it is necessary to perform a certain operation such as starting an electronic money application, which makes it difficult for a person unaccustomed to operating a mobile terminal to check the balance. was there.

  The present invention has been made in view of the above problems, and a main object of the present invention is to manage electronic money that can easily check the balance of electronic money at a portable terminal at any time while protecting privacy. To provide a balance display method for a system and electronic money.

  In order to achieve the above object, the present invention provides a portable terminal including a contactless IC reader / writer and a display unit, a payment terminal including a contactless IC reader / writer and a display unit, an information management terminal for managing electronic money, An electronic device in a system in which the portable terminal and the payment terminal perform data communication without contact using electromagnetic induction or electromagnetic coupling, and the payment terminal and the information management terminal perform data communication via a network. A method for displaying a balance of money, in which the portable terminal is configured to receive ID information for identifying a user or the portable terminal at the time of settlement of electronic money, balance information before settlement of electronic money, and balance information in the settlement terminal. First control information defining display / non-display; and a first step of transmitting to the payment terminal, the payment terminal from the portable terminal to the ID information A second step of transmitting the ID information, the balance information before the settlement, and the payment amount information to the information management terminal when receiving the balance information before the settlement and the first control information; and the information management When the terminal receives the ID information, the balance information before settlement, and the settlement amount information from the settlement terminal, the balance information after settlement is calculated by subtracting the settlement amount from the balance before settlement, and after the settlement A third step of storing the balance information in association with the ID information and transmitting it to the payment terminal; and when the payment terminal receives the balance information after the payment from the information management terminal, the balance after the payment A fourth step of transmitting information to the portable terminal and controlling display / non-display of the balance information after the settlement based on the first control information; and A fifth step of receiving the balance information after completion, the one in which at least run.

  The electronic money management system and electronic money balance display method of the present invention have the following effects.

  The first effect of the present invention is that privacy can be protected because the balance cannot be seen by others. The reason is that the display / non-display of the balance information at the storefront terminal is controlled based on the control information transmitted from the portable terminal at the time of settlement.

  The second effect of the present invention is that the balance of electronic money can be confirmed easily and at any time on a portable terminal without performing complicated operations. The reason is that the balance information after settlement calculated by the information management terminal is transferred from the information management terminal to the portable terminal via the storefront terminal, or an e-mail notifying the balance information is transmitted from the information management terminal to the portable terminal. It is.

  Thereby, the balance can be confirmed on the mobile terminal side even in a situation where it is difficult to confirm by stopping on the spot, such as a place where the flow of people such as an automatic ticket gate is fast or crowded.

It is a figure which shows typically the structure of the electronic money management system which concerns on 1st Example of this invention. It is a flowchart which shows operation | movement of the electronic money management system which concerns on 1st Example of this invention. It is a flowchart which shows operation | movement of the electronic money management system which concerns on 2nd Example of this invention. It is a figure which shows typically the structure of the electronic money management system which concerns on the 3rd Example of this invention. It is a flowchart which shows operation | movement of the electronic money management system which concerns on the 3rd Example of this invention.

  As shown in the background art, portable terminals capable of settlement using electronic money are widespread, but in the conventional electronic money management system, simple balance confirmation can only be done at the site where electronic money is used, When checking in other places, a complicated operation is required, and the balance of electronic money is displayed on the storefront terminal or the gate, and there is a problem that information associated with privacy is seen by others.

  Therefore, in one embodiment of the present invention, a portable terminal including a non-contact IC reader / writer and a display unit, a payment terminal including a non-contact IC reader / writer and a display unit, an information management terminal for managing electronic money, In the electronic money management system comprising the first, the mobile terminal prescribes display / non-display of ID information for identifying the user or the mobile terminal, balance information before the settlement, and balance information at the settlement terminal when the electronic money is settled. Control information to the payment terminal, the payment terminal sends ID information, balance information before payment, and payment amount information to the information management terminal, and the information management terminal subtracts the payment amount from the balance before payment. The balance information after settlement is calculated, stored in association with the ID information and transmitted to the settlement terminal. The settlement terminal transfers the balance information after settlement to the portable terminal and performs the first control. The mobile terminal controls the display / non-display of the balance information after settlement based on the information, and the mobile terminal displays the balance information after settlement based on the second control information that regulates the display / non-display of the balance information on the mobile terminal. / Controls non-display. The mobile terminal transmits third control information defining delivery / non-delivery of an e-mail for notifying balance information after settlement in the information management terminal to the information management terminal via the settlement terminal. The distribution / non-delivery of the electronic mail is controlled based on the third control information.

  Thereby, while protecting privacy, the balance of electronic money can be confirmed easily and at any time on the portable terminal.

  In order to describe the above-described embodiment of the present invention in further detail, an electronic money management system and an electronic money balance display method according to a first example of the present invention will be described with reference to FIG. 1 and FIG. . FIG. 1 is a diagram schematically showing the configuration of the electronic money management system of this embodiment, and FIG. 2 is a flowchart showing the operation of the electronic money management system of this embodiment.

  Referring to FIG. 1, an electronic money management system according to the present embodiment includes a portable terminal 10 possessed by a user of electronic money and a payment terminal (hereinafter referred to as a storefront terminal 20) installed in a store or an automatic ticket gate. And an information management terminal 30 that manages electronic money. These portable terminal 10, storefront terminal 20, and information management terminal 30 operate under program control.

  In addition, the mobile terminal 10 and the storefront terminal 20 are equipped with an electronic money function (non-contact IC reader / writer) that performs non-contact data communication using electromagnetic induction or electromagnetic coupling. The terminal 30 is connected via a network 100 such as a LAN (Local Area Network) or a WAN (Wide Area Network).

  The mobile terminal 10 is an information processing device such as a mobile phone or PHS (Personal Handyphone System), and includes a CPU (Central Processing Unit) and a memory such as a ROM (Read Only Memory) and a RAM (Random Access Memory). A control unit, a non-contact IC reader / writer, a display unit, and an operation unit. The control unit accesses the store terminal 20 using a contactless IC reader / writer, and uses personal identification information (ID information for identifying a user or a mobile terminal, balance information of electronic money, use of electronic money such as a settlement location and a settlement time) (History information, etc.) and a function of transmitting control information (for example, additional data (bit n) for one bit) for determining whether or not to display balance information on the storefront terminal 20.

  The storefront terminal 20 is an information processing device that is installed at a store cash register or at a station ticket gate, and includes a control unit, a non-contact IC reader / writer, and a NIC (NIC) including a CPU and a memory such as a ROM and a RAM. A network interface card), a communication I / F unit such as a modem, and a display unit. The control unit receives the personal identification information and the control information from the mobile terminal 10 and transmits the personal identification information and amount information (settlement amount information) such as a purchase price of goods and a train fare to the information management terminal 30. At the same time, it has a function of receiving balance information after settlement calculated by the information management terminal 30 and transferring it to the mobile terminal 10. Further, it has a function of controlling whether or not to display the balance information after settlement on the display unit based on the control information received from the mobile terminal 10.

  The information management terminal 30 is an information processing apparatus such as a personal computer installed in a data center or the like, and includes a control unit including a CPU and a memory such as a ROM and a RAM, and a communication I / F unit such as a NIC and a modem. And a storage unit such as an HDD (Hard Disk Drive). The control unit has a function of receiving the personal identification information and the settlement amount information from the storefront terminal 20, subtracting the settlement amount from the balance before settlement, calculating balance information after settlement, and transmitting the balance information to the storefront terminal 20. . The storage unit stores customer data in which personal identification information is stored in a database, and the control unit has a function of updating customer data by associating the balance information after settlement with the personal identification information.

  Next, the operation of the electronic money management system of this embodiment will be described in detail with reference to FIG.

  First, the user operates the operation unit of the mobile terminal 10 to access the storefront terminal 20 and controls information (recognizable bit) that determines whether or not the balance information is displayed on the storefront terminal 20 together with the personal identification information. n) is transmitted (step A1).

  The store terminal 20 receives the personal identification information and the control information, calculates the payment amount of the product purchase price, the train fare, etc., and transfers the personal identification information and the payment amount information to the information management terminal 30 (step A2). . The bit n in step A1 can be set to 0 or 1 by the application of the mobile terminal 10.

  The information management terminal 30 receives the personal identification information and the settlement amount information (step A3), and searches for personal information (balance information) from the database based on the ID information (step A4). Next, the retrieved balance information and the received balance information are collated (step A5). If the collation result is OK, a new balance (balance after settlement) is calculated by subtracting the settlement amount from the balance before settlement. Then, the balance information after settlement is associated with the personal identification information and the database is updated, and update data including the balance information after settlement is transmitted to the storefront terminal 20 (step A6).

  The store terminal 20 receives the update data including the balance information after settlement and transmits it to the mobile terminal 10 (step A7). Next, the following control is performed based on the control information (recognizable bit n) received in step A2. For example, when the bit n is 0, the balance information is displayed on the display unit of the storefront terminal 20, and when the bit n is 1, the balance information is not displayed (step A8).

  In the mobile terminal 10, the update data including the balance information after settlement transmitted by the storefront terminal 20 in step A7 is received by the contactless IC reader / writer, and the electronic money information is overwritten (step A9).

  As described above, in this embodiment, since it is possible to set whether or not the balance information is displayed on the storefront terminal 20, privacy can be protected by not displaying the balance information on the storefront terminal 20, and the mobile terminal 10 performs predetermined processing. The balance can be easily confirmed by performing the above operation.

  Next, an electronic money management system and an electronic money balance display method according to a second embodiment of the present invention will be described with reference to FIG. FIG. 3 is a flowchart showing the operation of the electronic money management system of this embodiment.

  In the first embodiment described above, the balance information display control in the storefront terminal 20 has been described, but in the present embodiment, the balance information display control is also performed in the portable terminal 10. Hereinafter, the operation of the electronic money management system of this embodiment will be described in detail with reference to FIG. Since the mobile terminal 10 is the same as that in the first embodiment until step A9 when the mobile terminal 10 receives the update data including the balance information after settlement, the description thereof is omitted.

  The balance information after settlement received in step A9 is displayed on the display unit of the portable terminal 10 for a predetermined time (step B1). At that time, in the mobile terminal 10, control information (for example, bit m) that determines whether or not to display balance information on the mobile terminal 10 is set in advance, and by reading the bit m, for example, m = When 0, the balance information is displayed on the display unit of the mobile terminal 10, and when m = 1, the balance is not displayed on the display unit.

  In this way, in this embodiment, whether or not to display balance information on the storefront terminal 20 and whether or not to display balance information on the mobile terminal 10 can be set independently, so that the balance information is displayed on the storefront terminal 20. By not doing so, privacy can be protected, and by displaying balance information on the mobile terminal 10, the balance can be confirmed without performing complicated operations.

  Next, an electronic money management system and an electronic money balance display method according to a third embodiment of the present invention will be described with reference to FIGS. FIG. 4 is a diagram schematically showing the configuration of the electronic money management system of this embodiment, and FIG. 5 is a flowchart showing the operation of the electronic money management system of this embodiment.

  In the first and second embodiments described above, balance information is transmitted from the information management terminal 30 to the portable terminal 10 via the storefront terminal 20, but in this embodiment, preset control information (for example, bit l) The balance information is distributed to the applicant by e-mail. Hereinafter, the operation of the electronic money management system of this embodiment will be described in detail with reference to FIG. In the present embodiment, the mobile terminal 10 needs to be connected to the network 100 as shown in FIG.

  First, the user accesses the storefront terminal 20 by operating the operation unit of the mobile terminal 10, and transmits two pieces of control information (bit n and bit l) together with the personal identification information (step C1).

  One of the bits (bit n) is used for display / non-display control of balance information at the storefront terminal 10 as described in the first embodiment (step A8). The other bit (bit 1) is used for control of delivery / non-delivery of electronic mail for notifying balance information in the information management terminal 30.

  Specifically, after the update data including the balance information after settlement is transmitted to the store terminal 20 by the information management terminal 30, the recognizable bit l received in step A3, for example, when the bit l is 0. Then, an e-mail describing balance information is transmitted to the e-mail address of the mobile terminal 10 specified by the personal identification information. When the bit l is 1, the e-mail is not transmitted (step C2).

  Thus, in this embodiment, whether or not to display balance information on the storefront terminal 20, whether or not to display balance information on the mobile terminal 10, electronic information that notifies the mobile terminal 10 of the balance information from the information management terminal 30. Since it is possible to independently set whether or not to send mail, privacy can be protected by not displaying the balance information on the storefront terminal 20, and by sending an e-mail notifying the balance information to the portable terminal 10 The user can check the balance at any time.

  In each of the above embodiments, the case of controlling only the display of balance information has been described. However, the present invention is not limited to the above embodiment, and in addition to the balance information, other information related to electronic money, for example, The present invention can be similarly applied to the case of controlling the display of information on the IC chip.

  INDUSTRIAL APPLICABILITY The present invention can be used for a system including a portable terminal having an electronic money function and a method for displaying information related to electronic money in the system.

10 mobile communication terminal 20 store terminal 30 information management terminal 100 network

Claims (6)

A portable terminal including a non-contact IC reader / writer and a display unit; a payment terminal including a non-contact IC reader / writer and a display unit; and an information management terminal for managing electronic money; the portable terminal and the payment terminal; Is an electronic money management system that performs non-contact data communication using electromagnetic induction or electromagnetic coupling, and the payment terminal and the information management terminal perform data communication via a network.
The mobile terminal defines ID information for identifying a user or the mobile terminal, balance information before settlement of electronic money, and display / non-display of balance information on the settlement terminal when electronic money is settled. And a function of receiving balance information after payment from the payment terminal,
When the settlement terminal receives the ID information, the balance information before settlement, and the first control information from the mobile terminal, the information management includes the ID information, the balance information before settlement, and the settlement amount information. When the balance information after settlement is received from the information management terminal, the balance information after settlement is transmitted to the mobile terminal, and the balance after settlement is based on the first control information. It has a function to control the display / non-display of information,
When the information management terminal receives the ID information, the balance information before settlement, and the settlement amount information from the settlement terminal, it calculates the balance information after settlement by subtracting the settlement amount from the balance before settlement. An electronic money management system comprising a function of storing the balance information after the settlement in association with the ID information and transmitting the balance information to the settlement terminal.   The mobile terminal stores second control information that prescribes display / non-display of the balance information after settlement in the mobile terminal, and receives the balance information after settlement from the settlement terminal. 2. The electronic money management system according to claim 1, wherein display / non-display of the balance information after the settlement is controlled based on the control information of 2. The mobile terminal distributes / non-distributes e-mail for notifying the balance information after the settlement in addition to the ID information, the balance information before the settlement, and the first control information at the time of settlement of the electronic money. Transmitting the third control information to be defined to the payment terminal;
The payment terminal transmits the third control information to the information management terminal in addition to the ID information, the balance information before the payment, and the payment amount information,
The said information management terminal controls delivery / non-delivery of the email which notifies the balance information after the said payment based on the said 3rd control information, The Claim 1 or 2 characterized by the above-mentioned. Electronic money management system. A portable terminal including a non-contact IC reader / writer and a display unit; a payment terminal including a non-contact IC reader / writer and a display unit; and an information management terminal for managing electronic money; the portable terminal and the payment terminal; Is a non-contact data communication using electromagnetic induction or electromagnetic coupling, and the payment terminal and the information management terminal are electronic money balance display methods in a system for performing data communication via a network,
The mobile terminal defines ID information for identifying a user or the mobile terminal at the time of settlement of electronic money, balance information before settlement of electronic money, and display / non-display of balance information on the settlement terminal A first step of transmitting the control information to the payment terminal;
When the settlement terminal receives the ID information, the balance information before settlement, and the first control information from the mobile terminal, the information management includes the ID information, the balance information before settlement, and the settlement amount information. A second step of transmitting to the terminal;
When the information management terminal receives the ID information, the balance information before settlement, and the settlement amount information from the settlement terminal, calculates the balance information after settlement by subtracting the settlement amount from the balance before settlement. A third step of storing the balance information after the settlement in association with the ID information and transmitting the balance information to the settlement terminal;
When the payment terminal receives the balance information after the payment from the information management terminal, the balance information after the payment is transmitted to the mobile terminal, and the balance after the payment is based on the first control information. A fourth step for controlling display / non-display of information;
A balance display method for electronic money, wherein the portable terminal executes at least a fifth step of receiving balance information after settlement from the settlement terminal.   In the fifth step, the display / non-display of the balance information after the settlement is controlled based on the second control information that prescribes the display / non-display of the balance information after the settlement in the portable terminal. The balance display method for electronic money according to claim 4, wherein: In the first step, at the time of settlement of electronic money, in addition to the ID information, the balance information before settlement, and the first control information, the distribution / non-delivery of an email notifying the balance information after settlement Transmitting third control information defining distribution to the payment terminal;
In the second step, in addition to the ID information, the balance information before the settlement, and the settlement amount information, the third control information is transmitted to the information management terminal,
6. The third step of controlling delivery / non-delivery of an e-mail for notifying the balance information after the settlement based on the third control information. To display the balance of electronic money.

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