JP2021033912A - Management server and program - Google Patents

Abstract

To improve security against unauthorized use of media.SOLUTION: A management server includes: a storage unit that stores a correspondence table associating account information on a bank account with identification information on a medium that stores information indicating electronic value and an issuance history, which is a history of issuance of electronic value to the medium based on a deposit of the bank account; a receiving unit that receives the identification information when an automatic transaction device reads the identification information on the medium to execute transaction at the automatic transaction device; a history inquiry unit that refers to the correspondence table, identifies the bank account corresponding to the identification information received by the receiving unit, and inquires about the issuance history of the identified bank account; a determination unit that determines whether the issuance history inquired about by the history inquiry unit meets a predetermined condition; and a transmission unit that transmits the account information on the bank account identified by the history inquiry unit when the determination unit determines that the predetermined condition is met.SELECTED DRAWING: Figure 3

Description

The present invention relates to a management server and a program.

In recent years, the use of electronic money has become widespread. The electronic money business operator charges the user's electronic money medium with electronic money equivalent to the cash based on the payment of cash from the user. The user can use the electronic money charged in the electronic money medium for payment in transportation, shopping, and the like.

As such a method of charging electronic money, a method of charging electronic money to an electronic money medium based on a deposit in a bank account has also been proposed. For example, in Patent Document 1, an electronic medium identifier and an account are associated with each other in advance, and when a user holds the electronic medium over an automated teller machine, the automated teller machine reads the electronic medium identifier from the electronic medium and the electronic medium identifier. A technique for charging electronic money to an electronic medium based on the funds of an account associated with is disclosed.

Japanese Unexamined Patent Publication No. 2009-289249

It is also conceivable to use such an electronic money medium for withdrawals at ATMs. That is, in an ATM, a cash cardless transaction in which cash is withdrawn from an account corresponding to the identification information read from an electronic money medium can be realized.

However, from a certain point of view, forgery of a medium for storing information indicating electronic value, such as an electronic money medium, is easier than forgery of a cash card. For this reason, there is a concern that damage will spread due to unauthorized use in which a malicious third party repeatedly withdraws money using a forged medium.

Therefore, the present invention has been made in view of the above problems, and an object of the present invention is a new and improved management server and program capable of improving safety against unauthorized use of a medium. Is to provide.

In order to solve the above problems, according to a certain viewpoint of the present invention, a corresponding table associated with the account information of the bank account and the identification information of the medium for storing the information indicating the electronic value, and the bank account. When the storage unit that stores the issuance history, which is the history of the electronic value being issued to the medium based on the deposit, and the identification information of the medium are read by the automatic teller machine for the execution of the transaction in the automatic teller machine. A receiving unit that receives the identification information, a history inquiry unit that refers to the corresponding table, identifies a bank account corresponding to the identification information received by the receiving unit, and inquires about the issuance history of the specified bank account. A determination unit that determines whether or not the issuance history inquired by the history inquiry unit satisfies a predetermined condition, and a history inquiry unit that determines that the predetermined condition is satisfied by the determination unit. A management server is provided that includes a transmitter that transmits the account information of the identified bank account.

The predetermined condition may include that the number of times and / or the total amount of the electronic value issued is equal to or greater than a threshold value.

When the determination unit determines that the predetermined condition is not satisfied, the transmission unit may transmit a response indicating that the transaction cannot be executed in the automated teller machine.

The transaction in the automated teller machine may be a withdrawal transaction.

Further, in order to solve the above problems, according to another viewpoint of the present invention, a correspondence table in which a computer is associated with account information of a bank account and identification information of a medium for storing information indicating electronic value. , And a storage unit that stores the issuance history, which is the history of electronic value being issued to the medium based on the deposit in the bank account, and the identification information of the medium in the automatic teller machine for executing a transaction in the automatic teller machine. Is read, the receiving unit that receives the identification information and the corresponding table are referred to, the bank account corresponding to the identification information received by the receiving unit is specified, and the issuance history of the specified bank account is inquired. When the history inquiry unit, the determination unit for determining whether or not the issuance history inquired by the history inquiry unit satisfies a predetermined condition, and the determination unit determine that the predetermined condition is satisfied. , A program is provided for functioning as a transmission unit that transmits account information of the bank account specified by the history inquiry unit.

According to the present invention described above, it is possible to improve the safety against unauthorized use of the medium.

It is explanatory drawing which shows the structure of the information processing system by one Embodiment of this invention. It is explanatory drawing which shows the structure of the user terminal 10. It is explanatory drawing which shows the structure of the charge management server 20. It is explanatory drawing which shows the specific example of the correspondence table. It is explanatory drawing which shows the specific example of the charge history. It is explanatory drawing which shows the structure of the electronic money business server 30. It is explanatory drawing which shows the structure of ATM 40. It is explanatory drawing which shows the structure of the ATM management server 50. It is explanatory drawing which shows the structure of the core banking server 60. It is explanatory drawing which shows the operation of the electronic money initial setting. It is explanatory drawing which shows the operation for charging electronic money based on the deposit of a bank account. It is explanatory drawing which shows the operation of the withdrawal transaction using the non-contact IC150. It is explanatory drawing which shows the operation of the withdrawal transaction using the non-contact IC150. It is a block diagram which showed the hardware configuration of the charge management server 20.

Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are designated by the same reference numerals, so that duplicate description will be omitted.

Further, in the present specification and the drawings, a plurality of components having substantially the same functional configuration may be distinguished by adding different alphabets after the same reference numerals. However, when it is not necessary to particularly distinguish each of the plurality of components having substantially the same functional configuration, only the same reference numerals are given to each of the plurality of components.

<0. Information processing system overview>
FIG. 1 is an explanatory diagram showing a configuration of an information processing system according to an embodiment of the present invention. As shown in FIG. 1, the information processing system according to the embodiment of the present invention includes a user terminal 10, a charge management server 20, an electronic money business server 30, an ATM 40, an ATM management server 50, and an account. It has a system server 60 and.

The user terminal 10, the charge management server 20, and the electronic money operator server 30 are connected via the network 8A. The network 8A may be the Internet. Further, the charge management server 20, the ATM 40, the ATM management server 50, and the accounting server 60 are connected via the network 8B. The network 8B may be the bank's internal network.

The user terminal 10 is an information processing device used by the user. The user terminal 10 is equipped with a non-contact IC (Integrated Circuit) which is an example of a medium for storing information indicating electronic value. The user can charge the non-contact IC with electronic money and use the charged electronic money for various payments. In particular, in one embodiment of the present invention, electronic money is charged to the non-contact IC based on the deposit of the bank account previously associated with the non-contact IC, and the bank account is used at the ATM 40 using the non-contact IC. It is possible to withdraw cash from your bank account.

Electronic money is an example of electronic value issued based on deposits in a bank account. The electronic value issued based on the deposit in the bank account may be electronic points. Although the charging (issuance) of electronic money will be mainly described in the present specification, one embodiment of the present invention is similarly applicable to the issuance of electronic points based on deposits in a bank account.

The charge management server 20 is a management server that manages the charge of electronic money to the non-contact IC of the user terminal 10. The charge management server 20 stores the user serial number issued to the non-contact IC in association with the user's bank account, and when there is a charge request, the charge management server 20 is associated with the non-contact IC of the requesting source. It operates so that electronic money is charged to the non-contact IC of the requesting source based on the deposit in the bank account. At the time of the operation, the charge management server 20 requests, for example, the transfer of funds from the user's bank account to the account of the electronic money business operator to the accounting server 60, and requests the electronic money business operator server 30 to issue electronic money. To do.

The electronic money business server 30 is a server managed by the electronic money business. The electronic money operator server 30 issues electronic money for charging the non-contact IC of the user terminal 10 based on a request from the charge management server 20, and distributes the electronic money to the non-contact IC of the user terminal 10. To do.

The ATM (Automatic Teller Machine) 40 is an automatic teller machine that automatically performs various transactions such as cash deposit transactions and withdrawal transactions. When a cash card is inserted, the ATM 40 can proceed with transactions based on the information read from the cash card. Further, the ATM 40 according to the embodiment of the present invention can perform withdrawal transactions based on the user serial number read from the non-contact IC mounted on the user terminal 10 when the user terminal 10 is held over. is there.

The ATM management server 50 is a server that bundles a plurality of ATMs 40, and relays various information and notifications between the ATM 40 and the accounting server 60. For example, when the ATM management server 50 transmits the PIN code and the designated amount entered in the ATM 40 in the withdrawal transaction to the accounting server 60 and receives the withdrawal processing completion notification from the accounting server 60, the withdrawal processing is performed. The end notification is sent to the ATM 40.

The accounting server 60 is a device that processes a deposit account ledger and controls foreign exchange, connection with ATM 40, and the like. In one embodiment of the present invention, when the user serial number is read from the non-contact IC at the ATM 40, the accounting server 60 processes withdrawal based on the deposit in the bank account associated with the user serial number. I do.

(Arrangement of issues)
However, from one point of view, non-contact ICs can be more easily counterfeited than cash cards by acts such as skimming or phishing. For this reason, there is a concern that the damage to the original user will increase due to the fraudulent act of a third party repeating withdrawals with a forged non-contact IC.

The inventor of the present invention has come to create an embodiment of the present invention with the above circumstances as the first point of view. According to one embodiment of the present invention, it is possible to improve the safety against unauthorized use of a medium such as a non-contact IC. Hereinafter, the configuration and operation of the embodiment of the present invention will be described in detail in order.

<1. User terminal configuration>
FIG. 2 is an explanatory diagram showing a configuration of a user terminal 10 according to an embodiment of the present invention. As shown in FIG. 2, the user terminal 10 according to the embodiment of the present invention has a communication unit 120, a display unit 130, an operation unit 140, a non-contact IC 150, and a control unit 170.

(Communication department)
The communication unit 120 communicates various information with other devices. For example, the communication unit 120 communicates information for the process of associating the non-contact IC 150 with the user's bank account (hereinafter, also referred to as electronic money initial setting) with the charge management server 20. Further, the communication unit 120 receives the electronic money distributed from the non-contact IC 150.

(Display part)
The display unit 130 displays the display screen generated by the control unit 170. For example, the display unit 130 displays an input screen for initial setting of electronic money, a notification screen indicating completion of charging of electronic money, and the like.

(Operation unit)
The operation unit 140 is configured for the user to input information, instructions, and the like to the user terminal 10 by operation. For example, the user inputs bank authentication information such as the store number, subject, account number, PIN and date of birth of the user's bank account on the input screen for initial setting of electronic money.

(Non-contact IC)
The non-contact IC 150 is an electronic device having a secure memory, an authentication function for executing authentication required for reading and writing information in the secure memory, and a non-contact communication function for close communication with a so-called reader / writer. It is a money medium (information recording medium). As shown in FIG. 2, the secure memory stores, for example, a user serial number which is an example of identification information issued to the non-contact IC 150, and the value of electronic money charged in the non-contact IC 150.

(Control unit)
The control unit 170 controls the overall operation of the user terminal 10. For example, the control unit 170 has a function of controlling communication between the communication unit 120 and the charge management server 20, a function of generating various display screens displayed on the display unit 130, and the like.

<2. Charge management server configuration>
Subsequently, the configuration of the charge management server 20 will be described. FIG. 3 is an explanatory diagram showing the configuration of the charge management server 20. As shown in FIG. 3, the charge management server 20 includes a communication unit 220, a storage unit 250, and a control unit 270.

(Communication department)
The communication unit 220 communicates various information with other devices. For example, the communication unit 220 functions as a charge reception unit that receives a charge request for electronic money from the user terminal 10. Further, when the user serial number of the non-contact IC 150 of the user terminal 10 is read for withdrawal transaction at the ATM 40, the communication unit 220 receives a usage approval request including the user serial number from the ATM management server 50. Functions as a receiver. The usage approval request requests approval to use the non-contact IC150 for withdrawal transactions for withdrawing cash from a user's bank account at ATM40. The communication unit 220 also functions as a transmission unit that transmits a response to the usage approval request.

(Memory)
The storage unit 250 stores information used for the operation of the charge management server 20. For example, the storage unit 250 stores the correspondence table and the charge history as shown in FIG. The corresponding table is a table in which the user serial number issued to each non-contact IC 150 and the account information of the user's bank account are associated with each other. The charge history is a history (issue history) in which electronic money is issued based on deposits in a bank account. Hereinafter, the corresponding table and the charge history will be described with reference to FIGS. 4 and 5.

FIG. 4 is an explanatory diagram showing a specific example of the corresponding table. As shown in FIG. 4, the correspondence table includes the user serial number, the bank account store number, the subject and the account information. The corresponding table is registered by the account registration unit 271 of the control unit 270, which will be described later.

FIG. 5 is an explanatory diagram showing a specific example of the charge history. As shown in FIG. 5, the charge history includes account information such as store number, subject and account information, charge date and time, and charge amount. In the example shown in FIG. 5, from a bank account whose store number is "002", whose subject is "ordinary", and whose account number is "0123456", 10,000 yen on June 15, 2019, July 2019. 20000 yen is charged on the 10th.

(Control unit)
The control unit 270 controls the overall operation of the charge management server 20. As shown in FIG. 3, the control unit 270 includes an account registration unit 271, a fund transfer request unit 272, an electronic money issuance request unit 273, an electronic money issuance notification unit 274, a charge history inquiry unit 275, and a withdrawal availability determination unit 276. Has the function of.

In the initial setting of electronic money, the account registration unit 271 transmits the bank authentication information received from the user terminal 10 to the accounting server 60, and based on the authentication success notification from the accounting server 60, the user serial number of the non-contact IC 150. And the account information of the bank account are associated with each other and registered in the corresponding table of the storage unit 250.

When the electronic money charge request is received from the user terminal 10, the fund transfer request unit 272 transfers the funds corresponding to the charge amount from the user's bank account to the electronic money operator's bank account to the accounting server 60. Ask to move to. Specifically, the electronic money charge request includes the charge amount and the user serial number of the non-contact IC150, and the fund transfer request unit 272 refers to the corresponding table and the store number of the bank account corresponding to the user serial number. Identify the subject and account number. Then, the fund transfer request unit 272 transmits a fund transfer request including the store number, subject, account number, and charge amount of the specified bank account to the accounting server 60.

The electronic money issuance requesting unit 273 requests the electronic money business server 30 to issue electronic money. Specifically, the electronic money issuance request unit 273 sets the charge amount and the user serial number included in the electronic money charge request to the electronic money after the funds are transferred on the accounting server 60 based on the fund transfer request. It is transmitted to the electronic money business server 30 as an issuance request.

The electronic money issuance notification unit 274 notifies the user terminal 10 of the completion of the transfer of funds and the issuance of electronic money. Further, the electronic money issuance notification unit 274 adds the account information, the charge date and time, the charge amount, and the like of the bank account of the fund transfer source to the charge history of the storage unit 250.

The charge history inquiry unit (history inquiry unit) 275 refers to the correspondence table described with reference to FIG. 4 when making a withdrawal transaction using the non-contact IC 150 at the ATM 40, and the user approval received from the ATM management server 50. Identify the bank account that corresponds to the user serial number included in the request. Further, the charge history inquiry unit 275 inquires about the charge history described with reference to FIG. 5 as the transaction history of the specified bank account.

The withdrawal availability determination unit (determination unit) 276 determines whether or not the charge history inquired by the charge history inquiry unit 275 satisfies a predetermined withdrawal condition. The withdrawal condition includes that the number of times the electronic money is charged and / or the total amount is equal to or more than the threshold value. For example, the withdrawal condition may include that the number of times the electronic money has been charged within a predetermined period such as the past month is equal to or greater than the threshold number of times, or the electronic money is charged within the predetermined period such as the past year. It may include that the total amount of electronic money is equal to or greater than the threshold amount.

When the withdrawal approval / disapproval determination unit 276 determines that the withdrawal conditions are satisfied, the withdrawal approval request is approved, and the account information of the bank account specified by the charge history inquiry unit 275 is transmitted to the ATM management server 50 by the communication unit 220. Send via. On the other hand, when the withdrawal approval / disapproval determination unit 276 determines that the withdrawal conditions are not satisfied, it does not approve the usage approval request and responds indicating that the withdrawal transaction using the non-contact IC 150 at the ATM 40 cannot be executed. Is transmitted to the ATM management server 50.

<3. Configuration of electronic money operator server>
Subsequently, the configuration of the electronic money operator server 30 will be described. FIG. 6 is an explanatory diagram showing the configuration of the electronic money operator server 30. As shown in FIG. 6, the electronic money operator server 30 has a communication unit 320, a storage unit 350, and a control unit 370.

(Communication department)
The communication unit 320 communicates various information with other devices. For example, the communication unit 320 receives the electronic money issuance request from the charge management server 20 and sends an issuance completion notification indicating the completion of the issuance of the electronic money to the charge management server 20.

(Memory)
The storage unit 350 stores a value balance DB indicating the value balance of electronic money charged in each non-contact IC 150.

(Control unit)
The control unit 370 controls the overall operation of the electronic money operator server 30. As shown in FIG. 6, the control unit 370 has the functions of the user serial number issuing unit 371 and the value management unit 372.

The user serial number issuing unit 371 issues the user serial number of electronic money at the time of initial setting of electronic money. Specifically, when the user serial number issuing unit 371 receives a user serial number issuance request from the user terminal 10 at the time of initial setting of electronic money, the user serial number issuing unit 371 responds to the non-contact IC 150 of the user terminal 10 by the user. Issue a serial number.

The value management unit 372 issues electronic money and manages the value balance DB stored in the storage unit 350. For example, when the value management unit 372 receives a request for issuing electronic money including the charge amount and the user serial number from the charge management server 20, the non-contact IC 150 having the user serial number receives the electronic money corresponding to the charge amount. Is issued, and the value balance of the non-contact IC 150 having the user serial number is updated in the value balance DB.

<4. ATM configuration>
Subsequently, the configuration of the ATM 40 will be described. FIG. 7 is an explanatory diagram showing the configuration of the ATM 40. As shown in FIG. 7, the ATM 40 includes a communication unit 420, a display unit 430, an operation unit 440, a user serial number reading unit 450, a withdrawal unit 460, and a control unit 470.

(Communication department)
The communication unit 420 communicates various information with the ATM management server 50. For example, when the communication unit 420 makes a withdrawal transaction using the non-contact IC 150, the withdrawal request including the user serial number of the non-contact IC 150 read by the user serial number reading unit 450, and the designated amount input to the operation unit 440. And the password and the like are transmitted to the ATM management server 50. In addition, the communication unit 420 receives from the ATM management server 50 a withdrawal processing completion notification indicating that the withdrawal processing in the accounting server 60 has been completed.

(Display part)
The display unit 430 displays a variety of display screens generated by the control unit 470. For example, the display unit 430 displays a menu screen for selecting a transaction, an information input screen for inputting a designated amount and a password in a withdrawal transaction, and the like.

(Operation unit)
The operation unit 440 is configured for the user to input information, instructions, and the like to the ATM 40 by operation. By operating the operation unit 440, the user can input, for example, a designated amount and a password in the withdrawal transaction.

(User serial number reader)
The user serial number reading unit 450 has a non-contact communication function. When the user terminal 10 is held over the user serial number reading unit 450, the user serial number reading unit 450 reads the user serial number of electronic money from the non-contact IC 150 of the user terminal 10 by non-contact communication.

(Withdrawal department)
The withdrawal unit 460 is a configuration for withdrawing cash in a withdrawal transaction. The withdrawal unit 460 includes, for example, a cash storage unit for storing cash, a customer service unit for the user to take out cash, and a transport unit for transporting cash from the cash storage unit to the customer service unit.

(Control unit)
The control unit 470 controls the overall operation of the ATM 40. For example, the control unit 470 controls communication between the communication unit 420 and the ATM management server 50, screen display by the display unit 430, cash withdrawal by the withdrawal unit 460, and the like.

<5. ATM management server configuration>
Subsequently, the configuration of the ATM management server 50 will be described. FIG. 8 is an explanatory diagram showing the configuration of the ATM management server 50. As shown in FIG. 8, the ATM management server 50 has a communication unit 520 and a control unit 570.

(Communication department)
The communication unit 520 communicates various information with other devices. For example, the communication unit 520 receives a withdrawal request including a user serial number from the ATM 40 at the time of a withdrawal transaction using the non-contact IC 150, and transmits a usage approval request including the user serial number to the charge management server 20. Further, the communication unit 520 receives a designated amount and a PIN from the ATM 40 at the time of withdrawal transaction using the non-contact IC 150, and inputs the account information of the user's bank account together with the designated amount and the PIN to the accounting server 60. Send to.

(Control unit)
The control unit 570 controls the overall operation of the ATM management server 50. As shown in FIG. 8, the control unit 570 has the functions of the usage approval request unit 571, the information input request unit 572, the processing request unit 573, and the processing end notification unit 574.

When the usage approval request unit 571 receives a withdrawal request including the user serial number from the ATM 40 during a withdrawal transaction using the non-contact IC 150, the usage approval request unit 571 sends a usage approval request including the user serial number to the charge management server 20 as a communication unit. Transmit via 520. As described above, the usage approval request requests approval to use the non-contact IC 150 for the withdrawal transaction of withdrawing cash from the user's bank account at the ATM 40. When the charge management server 20 approves the usage approval request, the usage approval request unit 571 receives the account information of the bank account corresponding to the user serial number included in the usage approval request from the charge management server 20. On the other hand, if the charge management server 20 does not approve the usage approval request, the usage approval request unit 571 gives a response indicating that the withdrawal transaction using the non-contact IC 150 in the ATM 40 cannot be executed. Receive from.

When the usage approval request is approved by the charge management server 20, the information input request unit 572 requests the ATM 40 to input the designated amount for withdrawal and the password.

The processing request unit 573 sends a withdrawal processing request including the specified amount and PIN input to the ATM 40 and the account information of the bank account received from the charge management server 20 as a response to the usage approval request to the accounting server 60. Send.

When the processing end notification unit 574 receives the withdrawal processing end notification indicating the end of the withdrawal process from the accounting server 60, the processing end notification unit 574 transmits the withdrawal processing end notification to the ATM 40 via the communication unit 520.

<6. Core banking server configuration>
Subsequently, the configuration of the core banking server 60 will be described. FIG. 9 is an explanatory diagram showing the configuration of the core banking server 60. As shown in FIG. 9, the core banking server 60 has a communication unit 620 and a control unit 670.

(Communication department)
The communication unit 620 communicates various information with the charge management server 20 and the ATM management server 50. For example, the communication unit 620 receives the bank authentication information for the initial setting of electronic money from the charge management server 20, and transmits the authentication result to the charge management server 20. Further, the communication unit 620 receives the withdrawal processing request from the ATM management server 50 and transmits the withdrawal processing completion notification to the ATM management server 50.

(Control unit)
The control unit 670 controls the overall operation of the core banking server 60. As shown in FIG. 9, the control unit 670 has the functions of the core banking processing unit 671 and the processing end notification unit 672.

Core banking processing unit 671 processes the deposit account ledger for each transaction. For example, based on the fund transfer request from the charge management server 20, the core banking processing unit 671 transfers funds corresponding to the charge amount indicated by the fund transfer request from the bank account indicated by the fund transfer request to the electronic money business operator. Move to your bank account. Further, the core banking processing unit 671 withdraws the designated amount of funds indicated by the withdrawal request from the bank account indicated by the withdrawal request as the withdrawal processing based on the withdrawal request from 50.

The processing end notification unit 672 transmits a processing end notification indicating that the processing by the core banking processing unit 671 has been completed. For example, the processing end notification unit 672 transmits a withdrawal processing end notification to the ATM management server 50 when the accounting processing unit 671 completes the withdrawal process.

<7. Operation>
Each configuration of the information processing system according to the embodiment of the present invention has been described above. Subsequently, with reference to FIGS. 10 to 13, the operation of the information processing system according to the embodiment of the present invention will be arranged. Specifically, the operation of initial setting of electronic money is arranged with reference to FIG. 10, the operation for charging electronic money is arranged with reference to FIG. 11, and non-contact with reference to FIGS. 12 and 13. Organize the operation of withdrawal transactions using IC150.

(Initial setting of electronic money)
FIG. 10 is an explanatory diagram showing the operation of the initial setting of electronic money. First, the user terminal 10 activates an application for using electronic money (S702), and the communication unit 120 of the user terminal 10 transmits a request for issuing an electronic money user serial number to the electronic money business server 30. (S703). When the user serial number issuing unit 371 of the electronic money business server 30 receives the user serial number issuance request, it issues the electronic money user serial number to the non-contact IC 150 of the user terminal 10 (S704). ..

Then, when the communication unit 120 of the user terminal 10 receives the user serial number of the electronic money from the electronic money business server 30, the user serial number is set in the non-contact IC 150 (S705). Subsequently, the display unit 130 of the user terminal 10 displays the bank authentication information input screen, and when the user operates the operation unit 140 to input the bank authentication information (S706), the communication unit 120 displays the bank authentication information and the bank authentication information. The user serial number of the non-contact IC 150 is transmitted to the charge management server 20 (S707). Further, when the communication unit 220 of the charge management server 20 transmits the bank authentication information to the account system server 60, the authentication using the bank authentication information is successful in the account system server 60, and the communication unit 220 receives the authentication success notification ( S708), the account registration unit 271 associates the user serial number of the non-contact IC 150 with the account information of the bank account and registers it in the corresponding table of the storage unit 250 (S709), and the electronic money initial setting is completed (S710).

(Charging electronic money)
FIG. 11 is an explanatory diagram showing an operation for charging electronic money based on a deposit in a bank account. First, the user terminal 10 starts an application for using electronic money (S802), the user operates the operation unit 140 to input a charge amount, and the communication unit 120 inputs the charge amount and the user serial number. A charge request for the electronic money including the electronic money is transmitted to the charge management server 20 (S803).

Then, the fund transfer request unit 272 of the charge management server 20 refers to the corresponding table, specifies the store number, subject, and account number of the bank account corresponding to the user serial number indicated in the charge request, and specifies the store number of the specified bank account. , The fund transfer request including the subject, the account number, and the charge amount is transmitted to the accounting server 60 (S804). Based on the fund transfer request, the core banking processing unit 671 of the core banking server 60 transfers funds corresponding to the charge amount indicated by the fund transfer request from the bank account indicated by the fund transfer request to the bank account of the electronic money business operator. The communication unit 620 transmits a fund transfer end notification indicating the end of the fund transfer to the charge management server 20 (S805).

When the electronic money issuance request unit 273 of the charge management server 20 receives the notification of the end of fund transfer from the accounting server 60, the charge amount and the user serial number included in the electronic money charge request are electronically used as the electronic money issuance request. It is transmitted to the money operator server 30 (S806). Then, when the electronic money is issued by the user serial number issuing unit 371 of the electronic money business server 30 (S807), the electronic money issuance notification unit 274 transmits a notification of completion of the issuance of the electronic money to the user terminal 10. At the same time, the account information of the bank account of the fund transfer source, the charge date and time, the charge amount, and the like are added to the charge history of the storage unit 250 (S808).

After that, the user terminal 10 requests the electronic money business server 30 to receive the electronic money (S809), and the electronic money business server 30 distributes the issued electronic money to the user terminal 10 (S810). , The charging of electronic money is completed (S811).

(Withdrawal transaction using non-contact IC150 at ATM40)
12 and 13 are explanatory views showing the operation of withdrawal transactions using the non-contact IC 150. First, when the user holds the user terminal 10 over the user serial number reading unit 450 of the ATM 40 (S902), the user serial number reading unit 450 reads the user serial number from the non-contact IC 150 of the user terminal 10 and the user. A withdrawal request including a serial number is transmitted to the ATM management server 50 (S903). When the usage approval request unit 571 of the ATM management server 50 receives the withdrawal request including the user serial number from the ATM 40, the usage approval request unit including the user serial number transmits the usage approval request including the user serial number to the charge management server 20 via the communication unit 520. (S904).

The charge history inquiry unit 275 of the charge management server 20 refers to the correspondence table and identifies the bank account corresponding to the user serial number included in the user approval request received from the ATM management server 50 (S905). Further, the charge history inquiry unit 275 inquires about the charge history related to the specified bank account (S906).

Then, the withdrawal availability determination unit 276 determines whether or not the charge history inquired by the charge history inquiry unit 275 satisfies a predetermined withdrawal condition (S907). The withdrawal condition includes that the number of times the electronic money is charged and / or the total amount is equal to or more than the threshold value. For example, the withdrawal condition may include that the number of times the electronic money has been charged within a predetermined period such as the past month is equal to or greater than the threshold number of times, or the electronic money is charged within the predetermined period such as the past year. It may include that the total amount of electronic money is equal to or greater than the threshold amount.

When the withdrawal approval / disapproval determination unit 276 determines that the withdrawal conditions are satisfied, the withdrawal approval request is approved, and the account information of the bank account specified by the charge history inquiry unit 275 is transmitted to the ATM management server 50 by the communication unit 220. Send via. On the other hand, when the withdrawal approval / disapproval determination unit 276 determines that the withdrawal conditions are not satisfied, it does not approve the usage approval request and responds indicating that the withdrawal transaction using the non-contact IC 150 at the ATM 40 cannot be executed. Is transmitted to the ATM management server 50. Here, the explanation will proceed assuming that the withdrawal approval / disapproval determination unit 276 has approved the usage approval request.

The information input request unit 572 of the ATM management server 50 requests the ATM 40 to input a designated amount for withdrawal, a password, and the like based on the approval of the usage approval request by the charge management server 20 (S908). Then, when the user operates the operation unit 440 of the ATM 40 to input the designated amount and the password, the communication unit 220 transmits the entered designated amount and the password to the ATM management server 50 (S909).

After that, as shown in FIG. 13, the processing request unit 573 of the ATM management server 50 receives the specified amount and PIN received from the ATM 40 and the bank account received as a response to the usage approval request from the charge management server 20. A withdrawal processing request including account information is transmitted to the accounting server 60 (S910).

Then, the accounting system processing unit 671 of the accounting system server 60 performs withdrawal processing based on the withdrawal processing request from the ATM management server 50 (S911), and the processing end notification unit 672 sends the withdrawal processing end notification to the ATM management server 50. (S912). Further, the processing end notification unit 574 of the ATM management server 50 sends a withdrawal processing end notification to the ATM 40 (S913), and the ATM 40 withdraws the specified amount, so that the withdrawal transaction using the non-contact IC 150 is completed. (S914).

<8. Action effect>
As described above, according to one embodiment of the present invention, the charge history from the bank account to the non-contact IC 150 satisfies the withdrawal condition including the number of times the electronic money is charged and / or the total amount is equal to or more than the threshold value. In some cases, it is possible to carry out a withdrawal transaction using the non-contact IC 150. Therefore, even if a third party counterfeits the non-contact IC 150, if the number of times and / or the total amount of electronic money charged to the non-contact IC 150 is less than the threshold value, the withdrawal transaction using the counterfeit medium becomes impossible. Therefore, unauthorized use by a third party can be suppressed. In addition, even if the number of times and / or the total amount of electronic money charged from the bank account to the non-contact IC150 is equal to or greater than the threshold value and the withdrawal transaction is executed by a third party, the bank account is still used by the original user. Since it is an account that is actively used, it is expected that the spread of damage can be prevented if the original user notices the fraudulent use at an early stage. Further, since one embodiment of the present invention is realized mainly by devising the charge management server 20, it can be introduced more easily than the form involving the system modification of the electronic money operator server 30.

<9. Hardware configuration>
Each embodiment of the present invention has been described above. The above-mentioned information processing such as the inquiry of the charge history and the determination of whether or not the withdrawal is possible is realized by the cooperation between the software and the hardware of the charge management server 20 described below.

FIG. 14 is a block diagram showing the hardware configuration of the charge management server 20. The charge management server 20 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, and a host bus 204. The charge management server 20 includes a bridge 205, an external bus 206, an interface 207, an input device 208, a display device 209, an audio output device 210, a storage device (HDD) 211, a drive 212, and a network. It includes an interface 215.

The CPU 201 functions as an arithmetic processing device and a control device, and controls the overall operation in the charge management server 20 according to various programs. Further, the CPU 201 may be a microprocessor. The ROM 202 stores programs, calculation parameters, and the like used by the CPU 201. The RAM 203 temporarily stores a program used in the execution of the CPU 201, parameters that change appropriately in the execution, and the like. These are connected to each other by a host bus 204 composed of a CPU bus or the like. By the cooperation between the CPU 201, ROM 202 and RAM 203 and the software, each function of the control unit 270 described with reference to FIG. 3 can be realized.

The host bus 204 is connected to an external bus 206 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 205. It is not always necessary to separately configure the host bus 204, the bridge 205, and the external bus 206, and these functions may be implemented in one bus.

The input device 208 includes input means for the user to input information such as a mouse, a keyboard, a touch panel, a button, a microphone, a sensor, a switch, and a lever, and an input that generates an input signal based on the input by the user and outputs the input signal to the CPU 201. It is composed of a control circuit and the like. By operating the input device 208, the user of the charge management server 20 can input various data to the charge management server 20 and instruct the processing operation.

The display device 209 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, a projector device, an OLED (Organic Light Emitting Mode) device, and a lamp. Further, the audio output device 210 includes an audio output device such as a speaker and headphones.

The storage device 211 is a data storage device configured as an example of the storage unit of the charge management server 20 according to the present embodiment. The storage device 211 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deleting device that deletes the data recorded on the storage medium, and the like. The storage device 211 is composed of, for example, an HDD (Hard Disk Drive) or SSD (Solid Stage Drive), or a memory having an equivalent function. The storage device 211 drives the storage and stores programs and various data executed by the CPU 201.

The drive 212 is a storage medium reader / writer, and is built in or externally attached to the charge management server 20. The drive 212 reads the information recorded on the removable storage medium 24 such as the mounted magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 203 or the storage device 211. The drive 212 can also write information to the removable storage medium 24.

The network interface 215 is a communication interface composed of, for example, a communication device for connecting to the network 8A, the network 8B, and the like. Further, the network interface 215 may be a wireless LAN (Local Area Network) compatible communication device or a wire communication device that performs wired communication.

The above-mentioned hardware configuration can be applied to the user terminal 10, the electronic money operator server 30, the ATM management server 50, and the like, and the user terminal 10, the electronic money operator server 30, the ATM management server 50, and the like can be applied. The functions of the control unit 170, the control unit 370, the control unit 570, and the like can be realized by the cooperation between the hardware such as the mounted CPU and RAM and the software.

<10. Supplement>
Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is clear that a person having ordinary knowledge in the field of technology to which the present invention belongs can come up with various modifications or modifications within the scope of the technical idea described in the claims. , These are also naturally understood to belong to the technical scope of the present invention.

For example, although the example in which the embodiment of the present invention is applied to the withdrawal transaction using the user terminal 10 equipped with the non-contact IC 150 has been described above, the embodiment of the present invention is a prepaid card not equipped with the non-contact IC. It is also applicable to withdrawal transactions using cards. The value of electronic money of a prepaid card not equipped with a non-contact IC may be managed only by the electronic money operator system side, but the point that the prepaid card also has unique identification information is that the user equipped with the non-contact IC 150 It is the same as the terminal 10. Therefore, associating the unique identification information of the bank account with the prepaid card, storing the history of charging electronic money from the bank account to the prepaid card, and whether or not the withdrawal can be made at the ATM 40 using the prepaid card based on the history. Is also feasible in the same manner as in the above-described embodiment of the present invention.

Further, when the charge management server 20 determines in S907 described with reference to FIG. 12 that the charge history to the non-contact IC 150 satisfies the withdrawal condition, the user receives a notification inquiring the user terminal 10 whether or not the withdrawal is possible. It may be transmitted to the terminal 10 and the bank account information may be transmitted to the ATM management server 50 when a response indicating that the withdrawal is possible is obtained from the user terminal 10. According to such a configuration, it is possible to more reliably suppress fraudulent withdrawals by a third party.

Further, although the example in which the user terminal 10 is equipped with the non-contact IC 150 and the user terminal 10 communicates with the charge management server 20 has been described above, the non-contact IC 150 has a communication function with the charge management server 20. It may be mounted on a card-like medium that does not exist. In this case, for example, the user inputs the user serial number of the non-contact IC 150 into the information processing terminal, and the information processing terminal communicates with the charge management server 20 or the like to perform the initial setting of electronic money and the charge of electronic money. It may be done.

In addition, each step in the processing of the information processing system of the present specification does not necessarily have to be processed in chronological order in the order described as a flowchart. For example, each step in the processing of the information processing system may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

Further, the above-mentioned user terminal is added to the hardware such as the CPU, ROM, and RAM built in the user terminal 10, the charge management server 20, the electronic money operator server 30, the ATM 40, the ATM management server 50, and the accounting server 60. 10. It is also possible to create a computer program for exerting the same functions as the configurations of the charge management server 20, the electronic money operator server 30, the ATM 40, the ATM management server 50, and the accounting server 60. A storage medium for storing the computer program is also provided.

10 User terminal 120 Communication unit 130 Display unit 140 Operation unit 170 Control unit 20 Charge management server 220 Communication unit 250 Storage unit 270 Control unit 271 Account registration unit 272 Fund transfer request unit 273 Electronic money issuance request unit 274 Electronic money issuance notification unit 275 Charge history inquiry unit 276 Withdrawal availability judgment unit 30 Electronic money operator server 320 Communication unit 350 Storage unit 370 Control unit 371 User serial number issuing unit 372 Value management unit 40 ATM
420 Communication unit 430 Display unit 440 Operation unit 450 User serial number reading unit 460 Withdrawal unit 470 Control unit 50 ATM management server 520 Communication unit 570 Control unit 571 Usage approval request unit 57 2 Information input request unit 573 Processing request unit 574 Processing end notification Unit 60 Core banking server 620 Communication unit 670 Control unit 671 Core banking processing unit 672 Processing end notification unit

Claims (5)

A correspondence table associated with the account information of the bank account and the identification information of the medium that stores the information indicating the electronic value, and the issuance that is the history of the electronic value being issued to the medium based on the deposit of the bank account. A storage unit that stores history and
A receiving unit that receives the identification information of a medium when the identification information of the medium is read by the automatic teller machine for executing a transaction in the automatic teller machine.
A history inquiry unit that refers to the correspondence table, identifies a bank account corresponding to the identification information received by the reception unit, and inquires about the issuance history of the specified bank account.
A determination unit that determines whether or not the issuance history inquired by the history inquiry unit satisfies a predetermined condition,
When the determination unit determines that the predetermined condition is satisfied, the transmission unit that transmits the account information of the bank account specified by the history inquiry unit, and the transmission unit.
A management server. The management server according to claim 1, wherein the predetermined condition includes that the number of times the electronic value is issued and / or the total amount is equal to or more than a threshold value. The first or second aspect of the present invention, wherein the transmitting unit transmits a response indicating that the transaction cannot be executed in the automated teller machine when the determination unit determines that the predetermined condition is not satisfied. Management server. The management server according to any one of claims 1 to 3, wherein the transaction in the automated teller machine is a withdrawal transaction. Computer,
A correspondence table associated with the account information of the bank account and the identification information of the medium that stores the information indicating the electronic value, and the issuance that is the history of the electronic value being issued to the medium based on the deposit of the bank account. A storage unit that stores history and
A receiving unit that receives the identification information of a medium when the identification information of the medium is read by the automatic teller machine for executing a transaction in the automatic teller machine.
A history inquiry unit that refers to the correspondence table, identifies a bank account corresponding to the identification information received by the reception unit, and inquires about the issuance history of the specified bank account.
A determination unit that determines whether or not the issuance history inquired by the history inquiry unit satisfies a predetermined condition,
When the determination unit determines that the predetermined condition is satisfied, the transmission unit that transmits the account information of the bank account specified by the history inquiry unit, and the transmission unit.
A program to function as.

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