JP3519072B2 - Electronic wallet terminal - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention replaces money with I
The present invention relates to an electronic wallet having a settlement function for exchanging money amount information stored in a C card, and particularly to an electronic wallet terminal adapted to exchange money amount information via a communication line such as a telephone line.

[0002]

2. Description of the Related Art Conventionally, as an electronic wallet system for exchanging money amount information stored in a storage medium, for example, an IC card storing such money amount information as described in Japanese Patent Application Laid-Open No. 3-92966. When the owner brings it to a store or a vending machine to carry out shopping, etc., the IC card is attached to the electronic wallet terminal installed in the shop, so that the exchange of money amount information at the time of transaction of the product is exchanged. Is carried out between this IC card and the electronic wallet terminal, and by bringing this IC card into a bank and inserting it into the electronic wallet terminal of this bank and performing a predetermined operation There is known a system that allows a card to be replenished with a balance.

[0003]

However, when an IC card is used for shopping at a store or replenishing a balance at a bank, the IC card must be taken to the place where it is used. In addition, if the person receiving the payment for this product receives the payment at the payer, he or she must bring an electronic wallet terminal, which is very troublesome.

Further, when receiving money amount information from a bank, it is possible to receive money amount information from a bank account.
If the card has been decided, it is not possible to put this amount information into another IC card, and in order to put this amount information into this other IC card, once this
It was necessary to transfer this money amount information to another electronic wallet terminal that can receive the money amount information with the C card.

Further, in the above-mentioned prior art, the history information of the exchange of money amount information is stored in the IC card.
In order to check the progress of the exchange of money amount information that has been performed so far, for example, this history information is read from the IC card using an electronic wallet terminal or the like, and this history information is converted into character information and displayed. Was needed.

[0006] Furthermore, when sending or receiving information associated with the amount information, such as a product description, the form of the associated information may be obtained by some means other than the exchange of the amount information. It is necessary to give the included instructions. For example, if the user wants to receive the price information and obtain the product description with a facsimile device, it is necessary to request the transmission of the description with the facsimile device by a means such as a telephone, in addition to the exchange of the price information.

The present invention has been made in view of the above points, and a first object thereof is to make an electronic wallet end that enables payment and replenishment of money amount information from any place.
To provide the end .

A second object of the present invention is to use an IC card other than an IC card which is approved to receive money amount information.
Electrodeposition was to be able to receive the money amount information directly
It is to provide a child wallet terminal .

[0009]

[0010]

[0011]

In order to achieve the above first object, the present invention makes it possible to communicate with another electronic wallet terminal via a communication line, and the amount of money with the other electronic wallet terminal. It is possible to exchange information and inquire about the balance of a bank account, and to provide an absence setting function that automatically receives communication and receives money amount information.

According to this structure, since the communication function is provided, for example, it becomes possible to transfer the money amount information between a place away from a store such as a home and the store, and similarly, a place away from a bank. From this point, it is possible to make a transaction of money amount information with the bank. At this time, by referring to the balance of the bank account, it is possible to confirm the value that can be received as the money amount information and to withdraw the money amount information. Also,
The absence setting function enables you to receive the amount information when you are out.

In order to achieve the above-mentioned second object, the present invention requests another electronic wallet terminal such as a bank to receive the amount information by using an IC card which is allowed to receive the amount information. If this request is accepted and the IC card exchange is permitted, the electronic wallet terminal can receive the amount information with an IC card other than the IC card that is authorized to receive the amount information.

With such a configuration, even an IC card other than the IC card that is allowed to receive the amount information,
This money amount information can be received from another electronic wallet terminal that can receive the government and academic information only with the IC card that is allowed to receive the money amount information, and transfer of the money amount information between the electronic wallet terminals as in the prior art. There is no need to do it.

In order to achieve the third object, the present invention is provided with a facsimile function so that the printing history of the facsimile function can be used to output the transaction history of the amount information.

According to this structure, the history information of the exchange of the money amount information stored in the IC card is read,
It can be visually confirmed by being output on paper or the like by the printing means. This output may be performed every time the money amount information is exchanged.

In order to achieve the above-mentioned fourth object, the present invention has a facsimile function so that image information can be output visually, and at the same time, an apparatus configuration is provided with an electronic wallet terminal of the other party. It is possible to transfer the information shown, recognize the configuration of the electronic wallet terminal of the other party recognized based on the information, and attach it to the amount information depending on whether the electronic wallet terminal of the other party has a facsimile function. The transmission mode of the transmitted information is changed.

With this configuration, if the electronic wallet terminal on the other end has a facsimile function, the information associated with this money amount information can be sent as image information, and if it does not have a facsimile function, the money amount information can be sent. The information associated with can be sent as voice information, for example.

[0019]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a first embodiment of an electronic wallet having a communication function according to the present invention , in which 1 is an IC card, 2 is an electronic wallet section which is an electronic wallet terminal, and 2a.
Is a display unit, 2b is a card reading / writing unit, 2c is an input unit, 2
d is an absence setting switch, 2e is a wallet arithmetic processing unit, 2f is a wallet modem device, 2g is a line monitoring unit, 2h is a switch,
3 is a communication line and 4 is a telephone.

In the figure, this embodiment comprises an IC card 1 and an electronic wallet unit 2, which is connected to a communication line (a telephone line here) 3. The electronic wallet unit 2 includes a display unit 2a and a card reading / writing unit 2b.
An input unit 2c having an answering machine setting switch 2d, a wallet calculation processing unit 2e, a wallet modem unit 2f, and a line monitoring unit 2
g and a switch 2h.

Here, the display section 2a is for displaying various kinds of information, and the card reading / writing section 2b is for the IC card 1.
And the wallet calculation processing unit 2e for exchanging information between them. The input unit 2c is the wallet calculation processing unit 2
It is for inputting an operation instruction to e. The wallet modem unit 2f sends the output information of the wallet calculation processing unit 2e to the communication line 3
Or to send information via the communication line 3 to the wallet arithmetic processing unit 2e. The switch 2h receives a control signal from the wallet processing unit 2e,
This is for switching the communication line 3 between the telephone 4 and the wallet modem section 2f. The line monitoring unit 2g is for monitoring the communication line 3 and detecting a connection request from another communication terminal (not shown) via the communication line 3. The answering machine setting switch 2d issues an instruction to the wallet arithmetic processing section 2e to automatically perform line connection and information content judgment processing.

Next, the operation of this embodiment will be described.

In the electronic wallet unit 2, the switch 2h normally connects the communication line 3 to the telephone 4. For this reason,
The user of this embodiment can respond to a connection request from the outside or make a call using the telephone 4.

When the telephone 4 establishes communication via the communication line 3 and then inputs an instruction for exchanging money amount information from the input unit 2c, the wallet arithmetic processing unit 2e issues an instruction to connect the communication line 3 to the wallet modem unit 2f. Send a signal. This allows
The switch 2h switches the communication line 3 from the telephone 4 side to the wallet modem unit 2f side, and the wallet arithmetic processing unit 2e exchanges money amount information with other communication terminals via the wallet modem unit 2f and the communication line 3. In exchanging the money amount information, the money amount information stored in the IC card 1 and the like are also exchanged, which enables the transaction of electronic money.

Further, in the first embodiment, the answering machine operation is performed by operating the answering machine setting switch 2d. The absence operation will be described below.

When the answering machine setting switch 2d is operated, the wallet arithmetic processing section 2e gives an instruction to the line monitoring section 2g so as to always monitor the communication line 3. During this monitoring, if there is a connection request from an external communication terminal via the communication line 3, the line monitoring unit 2g detects this connection request and the wallet calculation processing unit 2e.
The purse arithmetic processing unit 2e switches the switch 2h to connect the communication line 3 to the purse modem unit 2f side. At this time, even if the wallet processing unit 2e is notified by the line monitoring unit 2g that the connection request has been issued, the wallet operation processing unit 2e confirms that the connection request continues for a certain period of time, and the response connection is not made. After confirming that, the switch 2h is operated to switch the communication line 3 to the wallet modem section 2f side. As a result, when the telephone 4 immediately responds to the connection request, the switch 2h is not switched.

By the above-mentioned operation, the external communication terminal operates the wallet arithmetic processing section 2 from the communication line 3 via the wallet modem section 2f.
It is possible to trade the amount information with e. However, in the above-described absence operation, when the withdrawal of the electronic amount information is requested from the external communication terminal, the wallet arithmetic processing unit 2e does not respond to this request. As a result, the electronic wallet unit 2 is automatically connected to the external communication terminal.
Can receive remittances from outside, but cannot withdraw electronic money information from outside.

As described above, in the first embodiment, it is possible to trade money amount information via the communication line 3. Further, by operating the answering machine setting switch 2d, the wallet modem section 2f is automatically connected to the communication line 3 in response to a connection request from an external communication terminal, and the money amount information is automatically received. You can For this reason,
When the user is absent, he / she can automatically receive the money amount information by operating the absence setting switch 2d.

FIG. 2 is a block diagram showing a second embodiment of an electronic wallet having a communication function according to the present invention. 1a is an ID storage unit, 1b is an arithmetic processing unit, 1c is a connection unit, 1d is money amount information. Storage unit, 2i is information recording unit, 2j is a switch,
5 is a modem device, 5a is a modem arithmetic processing unit, 5b is a voice processing unit, 5c is a voice storage unit, 5d is a line control unit, 5e is a communication control unit, 6 is an image printing device, 6a is an image information decoding unit, 6b. Is an image output unit, 6c is a printing unit arithmetic control unit, and 7 is an image reading processing unit. The same reference numerals are given to the portions corresponding to those in FIG.

In the second embodiment, instead of the telephone 54 in the first embodiment, a facsimile machine is connected and further integrated.

In FIG. 2, this second embodiment is I
It comprises a C card 1, an electronic wallet unit 2, a modem device 5, an image printing device 6, and an image reading processing unit 7. Here, the modem device 5, the image printing device 6, and the image reading processing unit 7
Is a facsimile device, and more specifically, the communication control unit 5e of the modem device 5 is the communication control unit of the facsimile device. The wallet modem unit 2f is integrated.

The IC card 1 transmits information between the ID storage unit 1a which internally stores the ID information of the card, the arithmetic processing unit 1b which controls exchange of ID information and money amount information, and the electronic wallet unit 2. Of the electronic wallet 2 of the first embodiment shown in FIG. 1 and the wallet modem 2f. The difference is that an information recording unit 2i for recording electronic information is provided instead of the line monitoring unit 2g. The wallet processing unit 2e is provided with a switch 2j, and switches the image printing device 6 between the information recording unit 2i and the modem device 5 as described later. The IC card 1 and the electronic wallet unit 2 are connected by the connection unit 1c and the card reading / writing unit 2b.

The modem unit 5 includes a voice processing unit 5b for making a call using voice, a voice storage unit 5c for storing and reproducing voice, and a modem arithmetic processing unit 5a for controlling the operation of the modem unit 5. , An instruction signal from the modem arithmetic processing unit 5a and a signal representing information are set in a predetermined information communication system on the communication line 3, and the signal on the communication line 3 is instructed to the modem arithmetic processing unit 5a. It is composed of a communication control unit 5e for converting a signal or a signal representing information, and a line control unit 5d for supplying a signal from the communication line 3 to either the voice processing unit 5b or the communication control unit 5e.

The image printing device 6 is a part of the facsimile device, and controls the operation of the image printing device 6 and the image information decoding unit 6a for generating an image from the image information, the image output unit 6b for outputting the image. It is composed of a printing section calculation control section 6c.

The image reading processing section 7 is also a part of the facsimile apparatus and is for reading the original to be transmitted.

In the second embodiment, the control of the modem device 5, the image printing device 6 and the image reading processing section 7 which constitute the facsimile machine and the control of the electronic wallet section 2 are carried out by the electronic wallet section 2. This processing is performed by the arithmetic processing unit 2e, and the wallet arithmetic processing unit 2e has a built-in control program for performing each control.

The communication controller 5 in the modem device 5
The information from e is fetched into the wallet computation processing section 2e through the modem computation processing section 5a, and the information fetched by the control program incorporated in the wallet computation processing section 2e is identified, so that such a function is realized by the information recognition section. Are configured.

Similarly, the input unit 2 composed of push buttons and the like.
The display unit 2a for indicating the operating state of the device to the user c and the user also serves as the input device and the display device of the facsimile machine. The switch 2j is realized by a program built in the wallet arithmetic processing unit 2e, and by judging the content of the signal from the modem device 5, if this signal is a facsimile signal, this signal is sent to the printing unit arithmetic control unit 6c. To do so. If this signal is a signal indicating the operation of the money amount information, this signal is sent to the program for processing the money amount information inside the wallet calculation processing section 2e.

The operation of the second embodiment will be described below.

In the second embodiment, the input unit 2c of the electronic wallet unit 2 can control the facsimile function and the electronic wallet function. The input section 2c is provided with an answering machine setting switch 2d which is a switch for setting a so-called answering machine.

The operation when the user operates the answering machine setting switch 2d to select the answering machine will be described below. To select this answering machine means to set it so as to automatically respond to an electrical connection request from the communication line 3 in an unmanned state.

Upon receiving a connection request from another communication terminal via the communication line 3, the line control unit 5d makes a physical connection with the communication line 3 and responds by voice stored in advance in the voice storage unit 5c. The message is output to the communication line 3 via the voice processing unit 5b. Next, in the line control unit 5d, when the content on the communication line 3 is digital information, it is sent to the communication control unit 5e. These processes are directly controlled by the modem arithmetic processing unit 5a. The modem arithmetic processing unit 5a is adapted to perform these detailed operations according to an instruction from the wallet arithmetic processing unit 2e.

The communication control section 5e decodes this digital information and sends it to the electronic wallet section 2 via the modem arithmetic processing section 5a. In the electronic wallet unit 2, the wallet calculation processing unit 2e interprets the meaning of this digital information sent, and if this is image information (facsimile data),
To supply this digital information to the image printing device 6,
The switch 2j is switch-controlled.

Therefore, in the image printing apparatus 6, the sent digital information is decoded into image information by the image information decoding unit 6a, and then supplied to the image output unit 6b to be output as a print image or the like.

As described above, when the digital information sent through the communication line 3 is image information (facsimile information), the function is exactly the same as that of the conventional facsimile apparatus.

In the second embodiment, when the digital information sent via the communication line 3 is a connection request to the IC card 1, this digital information is processed by the wallet calculation processing section 2e. Tell the program department that handles electronic wallet processing. The program section for processing the electronic wallet has a function of interpreting the meaning of the digital information and sending a command signal to the IC card 1 via the card reading / writing section 2b. The instruction sent to the IC card 1 is to write money amount information in the money amount information storage unit 1d provided inside the IC card 1, that is, to receive so-called money amount information. Also in the second embodiment, when the absence is set, no other instruction is sent.

Here, the receipt of the money amount information will be described in more detail.

The electronic wallet unit 2 requested to write the money amount information from another electronic wallet and the other electronic wallet as necessary stores the I stored in its ID storage unit via the communication line 3.
After exchanging information necessary for receiving the amount information such as D information, the amount information is received and stored in the amount information storage unit 1d of the IC card 1. When this reception is completed, the transaction history is recorded in the information recording unit 2i.

In the second embodiment, the history of this transaction is sent to the image printing device 6 as image information so that the image output section 6b can output an image on paper or the like. This output is shown in FIG. FIG. 3 shows the result of simultaneously outputting a plurality of transactions by operating the input unit 2c.

In the second embodiment, it is possible to set such that the result is output every time a transaction is made, by operating the input unit 2c. An example of the output is shown in FIG. The operation of these outputs can be always possible except when the absence is set. Further, the content output from the image output unit 6b is not limited to that shown in FIG. 4, and as the incidental information of the received amount information, for example, the information such as the ordered item name may be output together. It goes without saying that you can also do it.

FIG. 5 is a flow chart showing an operation procedure for connecting to an electronic wallet of a bank having a user's bank account through the communication line 3 and withdrawing money amount information from the electronic wallet in the second embodiment. Yes, the operation when the balance inquiry is instructed from the input unit 2c is shown.

In the electronic wallet A with a communication function of the second embodiment, electronic information requesting a balance inquiry can be sent to another electronic wallet B connected through another communication line 3. (Step 500). This electronic information includes the card number unique to the account number and IC card 1 (Fig. 2).
D, the encrypted card ID is included.

When the other party's electronic wallet B receives this electronic information (step 501), first, the card I sent is sent.
D is compared with the encrypted card ID (step 50
2) After confirming that these are correct (step 50)
3) Then, the sent account number and card ID are collated (step 504) and it is judged whether or not the account can be withdrawn (step 505). If possible, a request is made for a personal identification number stored in the ID storage unit 1a of the IC card 1 in the electronic wallet A and known only to the user (step 506).

Then, in response to this request (step 507), the electronic wallet A outputs the character information requesting the input of the personal identification number on the display section 2a (FIG. 2) to prompt the user to input the personal identification number ( Step 508). According to this display, the user inputs from the input unit 2c the same personal identification number as the personal identification number stored in advance in the ID storage unit 1a (FIG. 2) of the IC card 1. The wallet arithmetic processing unit 2e (FIG. 2) transfers the input personal identification number to the arithmetic processing unit 1b (FIG. 2) of the IC card 1 via the card reading / writing unit 2b (FIG. 2). In the arithmetic processing unit 1b, this personal identification number is stored in the ID storage unit 1
It is compared with the personal identification number stored in a (FIG. 2) (step 509), and the comparison result is sent to another electronic wallet B (step 510).

The other electronic wallet B receives this comparison result (step 511), and the result of collating the personal identification number is correct, so that the card holder and the current user (requester for balance inquiry) are the same. Confirm that there is (step 51)
2). After the confirmation, the other electronic wallet B returns the balance information (or the value of the transmittable money amount information) (step 513).

The electronic wallet A of the second embodiment receives this balance information (step 514), displays it on the display unit 2a (FIG. 2) (step 515), and receives the balance information. The balance information transfer result indicating that is sent to the other electronic wallet B, and the other electronic wallet B confirms that the balance information is correctly sent to the electronic wallet A in response to this (step 516).

In the second embodiment, not only the balance information but also the deposit / withdrawal information of the account as personal information can be displayed on the display unit 2a by the same procedure. Further, in addition to the display on the display unit 2a, it is also possible to transmit this balance information and the like as image information to the image printing device 6 (FIG. 2) and output it from the image output unit 6b.

Further, in the second embodiment, the account number of the bank account and the ID number of the IC card are transmitted and received separately, but if the bank account can be specified only by the ID number of the IC card, the account number Needless to say, transmission / reception is not necessary.

In the second embodiment, a different display operation can be performed in addition to the above balance display operation. This will be described with reference to FIG.

In FIG. 6, after the electronic wallet A with communication function of the second embodiment is connected to the communication line 3, the amount information of 0 yen or more is drawn out at least once (that is, received from another electronic wallet B). ) After that, it is a flowchart showing an operation when requesting transmission of balance information.

In the figure, since the account number and the card ID have already been transmitted and confirmed by receiving the money amount information shown in FIG. 5, these pieces of information are stored on the other electronic wallet side until the communication is disconnected. Held in B. Therefore, by sending a command from the electronic wallet A to another electronic wallet B, the balance information is returned. The information transmitted by the command at this time is different from that shown in FIG.
Does not require transmission of numbers etc.

Further, in the electronic wallet A with a communication function of the second embodiment, the amount information from another electronic wallet B is
It can be stored in an IC card different from the IC card used for confirmation. This will be described with reference to FIG. FIG. 7 is a flowchart showing a procedure for receiving money amount information corresponding to an account balance from another electronic wallet B provided in a bank, for example.

The card reader / writer 2b is used as the connection unit 1c of the IC card 1 capable of withdrawing money amount information from a bank account.
(FIG. 2), the ID information of the IC card 1 is sent to another electronic wallet. However, in the system using the electronic wallet of the second embodiment, the request for payment of the amount information is transmitted to the other electronic wallet. Electronic wallet can actually send monetary information I
C card has been decided, this confirmation is the ID of the IC card
We confirm by number. For example, only the IC card of the owner of the bank account can be permitted to pay the amount information.

In FIG. 7, the electronic wallet A with communication function of this embodiment, which is connected to another electronic wallet B through the communication line 3, first transmits a request for receipt of money amount information (step 700). At this time, the IC card 1 connected to the electronic wallet unit 2 of FIG. 2 can request receipt of money amount information.
It is an IC card having a D number. For this receipt request, the amount of money amount information to be received, an ID number, an encrypted ID number, and other necessary information are sent, and also information indicating that the money amount information is received by another IC card is sent.

The other electronic wallet B receives the transmitted information (step 701), confirms the information, and then confirms that the user is a valid holder of the IC card 1 by using the personal identification number. Is requested to the electronic wallet A.

Therefore, in the electronic wallet A, in FIG.
A display requesting the user to input the personal identification code is displayed on the display unit 2a, and when the user inputs the personal identification number from the input unit 2c accordingly, the wallet arithmetic processing unit 2e calculates the personal identification number. It is sent to the processing unit 1b to request confirmation of the personal identification number. The arithmetic processing unit 1b receives the transferred personal identification number and ID.
The personal identification number recorded in the storage unit 1a is collated, and the result is sent to the wallet calculation processing unit 2e (above, step 702).
The wallet arithmetic processing unit 2e sends the collation result to another electronic wallet B via the modem arithmetic processing unit 5a and the communication line 3 (step 703).

In the other electronic wallet B, the sent inquiry result of the personal identification number is confirmed (step 704) and it is judged whether or not the request for the transmission of the amount information is accepted (step 70).
5). If the money amount information can be sent, a signal requesting that the money amount information can be sent and that the IC card be replaced is sent to the electronic wallet A (step 706).

Upon receiving this signal (step 707), the electronic wallet A of this embodiment displays a message prompting replacement of the IC card 1 on the display unit 2a (FIG. 2) (step 708). Then, when the user exchanges for an IC card for receiving the amount information (step 709), information indicating that the IC card has been exchanged for receiving the amount information is sent to another electronic wallet B (step 710).

Then, when the other electronic wallet B receives this information (step 711), it sends the money amount information to the electronic wallet A (step 712), and thereafter, the amount is transferred to the exchanged IC card as described above. Information is stored.

By the above procedure, even an IC card that is not allowed to directly receive money amount information can receive money amount information.

As described above, in the second embodiment,
It is possible to receive the money amount information to the IC card via the communication line in an unattended state. Therefore, for example, the amount information can be received even when the user is out. At this time, by accepting only the money amount information, it is possible to prevent the information on the IC card from being used by a third party without permission or the money amount information being withdrawn.

If necessary, the balance inquiry can be made via the communication line. As a result, it is possible to know the value of the money amount information that can be requested to be received in advance.

When inquiring about the balance, it is possible to prevent the personal information from being disclosed to a third party by confirming the agreement between the holder of the IC card and the user.

Once the money amount information is received, the amount of information to be confirmed or transmitted at the time of the balance inquiry is reduced, so that the inquiry can be made in a shorter time than before the money amount information is received.

After the transaction, the history of this transaction can be viewed on the printed paper.

Since the IC card for receiving the money amount information and the IC card for receiving the receipt can be separately provided, any I
You can receive the amount information on the C card. Thus, for example, when it is necessary to input money amount information into another person's IC card, after receiving money amount information from another electronic wallet with an IC card that can obtain approval, another person using another electronic wallet or the like. There is no need to transfer the amount information to the IC card according to another procedure, which saves the trouble.

Although the individual contents of the functions of the present invention have been described in detail in the second embodiment, any of the functions can be independently established, and the combination thereof can be selected according to the purpose of various electronic wallets. It goes without saying that you can do it.

FIG. 8 is a block diagram showing a third embodiment of an electronic wallet having a communication function according to the present invention, in which 8 is a character recognition section and 8a is an image pattern recognition section, which corresponds to FIG. Are denoted by the same reference symbols and redundant description will be omitted.

In the third embodiment, as shown in FIG. 8, a character recognition unit 8 is added to the configuration of the second embodiment. Image information is input to the character recognition unit 8 via a switch 2j realized inside the wallet calculation processing unit 2e of the electronic wallet unit 2. This input image information is the image
It is supplied to the pattern recognition unit 8a, converted into electronic character information representing character information, and converted into the electronic wallet operation processing unit 2 of the electronic wallet unit 2.
returned to e. In addition, in the third embodiment, it is also possible to input image information from the image reading processing unit 7 to the character recognition group 8 via the switch 2j.

Next, the operation of the third embodiment will be described.

The response operation and the switching operation in response to the connection request from the communication line 5 in the third embodiment are the same as those in the second embodiment described above, and the money amount information is received via the communication line 3. The operation at the time of opening is similar to that of the second embodiment. Also, when the image information is received via the communication line 3, this image information is sent to the image information decoding unit 6a of the image printing device 6 and becomes an image, as in the second embodiment.

In the third embodiment, this image information is also sent to the image pattern recognition section 8a of the character recognition section 8.
The image pattern recognition unit 8a recognizes the range in which the characters existing in the predetermined range exist, from the supplied image information, and recognizes the characters serving as the image information as the character information. The recognized character information is supplied to the wallet calculation processing section 2e of the electronic wallet section 2 as electronic character information representing the character information. The wallet calculation processing section 2e operates according to the content of the electronic character information.

In the third embodiment, from the order form 26 as shown in FIG. 9, the item name 27 and the price 28 of the ordered item,
Electronic character information of the orderer 29, the telephone number 30, and the payment method 31 is transferred. When payment by transfer of money amount information by communication is selected in the payment method 31, the money amount information receiving operation described in the first embodiment is performed. At this time, the value to be received is determined with reference to the price 28.
Further, in the information recording section 2i in the electronic wallet section 2 (FIG. 8),
The order number 27, the orderer 29, the telephone number 30, the value of the received amount information, the ID number of the IC card of the other party, and the like are recorded.

Such an operation can be automatically performed even when absent by a setting operation by the input unit 2c in the electronic wallet unit 2 (FIG. 8).

In the third embodiment, by operating the input unit 2c of the electronic wallet unit 2 (FIG. 8), for example, the image printing apparatus 6 (FIG. 8) can be operated every time a series of transaction operations are performed. The contents can be output from the image output unit 6b. The output contents include the order number 27, the price 28, the orderer 29, the telephone number 30, the payment method 31, the value of the received amount information, and the like.

Further, in the third embodiment, the image information read from the image reading processing unit 7 is converted into the wallet calculation processing unit 2.
It can be transferred to the image pattern recognition unit 8a of the character recognition unit 8 by a program for performing a facsimile process inside e. The image pattern recognizing unit 8a processes the read image information in the same manner as described above, converts it to electronic character information representing the recognized character information, and returns it to the wallet calculation processing unit 2e of the electronic wallet unit 2. The wallet calculation processing section 2e operates according to this electronic character information.

Thus, for example, when an order form 26 similar to that shown in FIG. 9 is read, payment is made by transferring the amount information instructed by the payment method 30 to the communication terminal of the other party. The transfer of the amount information at this time performs a payment operation. The value of the amount information to be paid is a value determined with reference to the price 28. Further, the read image information is sent to the communication terminal of the other party, as in a normal facsimile.

As described above, in the third embodiment,
By receiving the image information, the electronic wallet can recognize the purpose and contents of the exchange of the amount information. Therefore, a third party who wants to send the money amount information to the electronic wallet of the third embodiment sends the order written on the paper as image information, for example, from a facsimile machine, so that necessary items can be provided. The electronic wallet of the third embodiment can be notified and recognized. Therefore, a third party can easily remotely operate the electronic wallet of the third embodiment.

Similarly, by reading the information written on the paper with the electronic wallet of the third embodiment, the operation of inputting the value of the amount information can be omitted and the electronic wallet can be easily opened. It can be operated.

FIG. 10 is a block diagram showing a fourth embodiment of an electronic wallet having a communication function according to the present invention.
e'is a wallet calculation processing unit, 9 is an image information storage unit, A is this
Electronic wallet , B is other electronic wallet , 1'is IC card, 2 '
Is an electronic wallet unit which is another electronic wallet terminal, 5'is a modem device, and 6'is an image printing device. The parts corresponding to those in FIG.

The fourth embodiment differs from the second embodiment in that the contents of information transmitted and received via the communication line 3 are different, and that the image information for recording the image information that can be received by the facsimile machine is recorded. The difference is that the storage unit 9 is provided. Further, since the contents of the information transmitted and received are different as described above, the wallet calculation processing unit 2e 'performs a different operation from the wallet calculation processing unit 2e in the second embodiment.

It is assumed here that the other electronic wallet B connected via the communication line 3 is, for example, an electronic wallet having the image printing device 4 '.

Next, the operation of the fourth embodiment will be described.

In FIG. 10, in the electronic wallet A of the fourth embodiment, information 10 indicating the configuration of this device is transmitted and received via the communication line 3. FIG. 11 shows the configuration of the main part of this information 10. Here, the information 12 showing the respective device configurations, the command 11, and the error for confirming that these two items are correct are shown. The confirmation information 13 is included.

Next, the procedure of transmitting and receiving the information 10 will be described with reference to FIG. Here, FIG. 12 shows a procedure of exchanging information 10 showing the device configuration between the electronic wallet A of the fourth embodiment and another electronic wallet B (FIG. 10).

In FIG. 12, one of these electronic wallets A and B first sends the information 10 indicating the configuration of the own device to the other party (step 1200). The first to send the configuration information 10 of the own device is the side which first started the communication by the digital information, that is, the calling side. In FIG. 12, another electronic wallet B is the calling side.

The electronic wallet A receives the information 10 (step 1201) and reads the information 12 indicating the device configuration according to the information indicated by the instruction 11. Then, the wallet calculation processing unit 2e '(FIG. 10) uses the command 1 of this information 10.
1 and information 12 indicating the device configuration, error confirmation information 13
In step 1202, a process is performed to verify that they have been correctly transmitted. When these data are normally processed, the processing result is shown in the command 11, the read information 10 is shown again in the information 12 showing the device configuration and sent back to another electronic wallet B (step 1203).

In the other electronic wallet B , the returned information 10
Command 11 and information 12 indicating the device configuration are read (step 1204) and it is confirmed that both are normal (step 1205). Then, in the same procedure,
Instructions 11 and information 12 indicating the device configuration from this electronic wallet A
Information 10 is sent, the returned contents are confirmed (step 1207), and the processing is ended.

With the above operation, the configuration of the other device can be recognized. Purse processing unit 2e of this embodiment '(FIG. 10), if recognizing that there is an image printing apparatus capable of outputting facsimile image information to the other electronic purse B is a partner (FIG. 10), the amount information When it is detected that the transaction is completed, the image information storage unit 9 (FIG. 10)
The image information recorded in is sent as a facsimile image signal.

In the fourth embodiment, when the receipt of the money amount information is completed, the image information of the receipt is transmitted to another electronic wallet B. Further, for example, the information of the product description can be selected by the setting from the input unit 2c of the electronic wallet unit 2 (FIG. 10).

In addition, in the fourth embodiment, another electron is used.
When the image printing device 4 (FIG. 10) is not provided in the wallet B , the voice processing unit 5b is connected to the communication line 3 via the line control unit 5d in the modem device 5 (FIG. 10), and the voice storage unit 5 is connected.
The voice information previously stored in c is transmitted. This voice information is information about the result of exchange of money amount information, and has the same content as that transmitted as image information.

As described above, in the fourth embodiment,
Since the electronic wallets connected to each other can know the configuration of each device, it is possible to send information in a form suitable for the electronic wallet of the other party. Therefore, a third party who tries to send the amount information to the electronic wallet of the fourth embodiment can receive various necessary information after the exchange of the amount information is completed, and the electronic device receiving this information can receive the information. A degree of freedom can be given to the construction of the purse device. Therefore, the electronic wallet of the fourth embodiment can add effective information and transmit it to various third parties having various device configurations.

FIG. 13 is a block diagram showing a fifth embodiment of an electronic wallet having a communication function according to the present invention.
4 is a television device. Reference numeral 15 is a set top box, 16 is a multiplex device, 17 is an information transmission control device, 18 is another electronic wallet, 19 is a multiplex device, 20 is an information control means, and 21 is an amount setting means, which correspond to the above drawings. The parts are given the same reference numerals.

In the figure, in the fourth embodiment,
Electronic information transmitted and received via the communication line 3 is mainly image information and audio information. The television device 14 outputs images and sounds. The set top box 15 restores electronic information received via the communication line 3 and
Send to 4. The multiplexer 16 distributes electronic information on the communication line 3 to the set top box 15 and the electronic wallet unit 2.
The information transmission control device 17 is installed apart from the set top box 15 via the communication line 3. Multiplexer 1
Reference numeral 9 connects the other electronic wallet 18 and the information transmission control device 17 to the communication line 3.

Next, the operation of the fifth embodiment will be described.

First, the set top box 15 requests the information transmission control device 17 to provide paid information such as video and audio. The information transmission control device 17 instructs the electronic wallet unit 2 to transmit the amount information through the multiplexing device 16 in accordance with the request for the chargeable information provision, and further uses the amount setting means 21.
The other electronic wallet 18 is instructed about the value of the money amount information necessary for providing the paid information.

Another electronic wallet 18 sends a signal to the electronic wallet section 2 requesting payment of the amount information via the multiplexer 19 and the communication line 3. In response to the received request for payment, the electronic wallet unit 2 requests the user to confirm the value of money amount information and the like as necessary. When the user approves this, the electronic wallet unit 2 transfers another electronic wallet 18 via the communication line 3.
Send the amount information to. Therefore, the other electronic wallet 18 sends a signal indicating that the money amount information has been received, to the information control means 20.
Is transmitted to the information transmission control device 17 via. The information sending control device 17 confirms that the money amount information has been received, and sends the video and audio information via the communication line 3 via the communication line 3. The set top box 15 decodes the received video and audio information and sends it to the television device 14.

As described above, in the fourth embodiment,
When receiving paid information provision at a point distant from the information transmission control device 17, payment can be made by transmitting the amount information through the communication line 3.

The timing of payment of the amount information is
It is possible at any time by alternately receiving and providing image information. For example, it goes without saying that it is possible to provide part of the image information and then pay the amount information, and also provide the remaining image information and exchange the image information and the amount information in a time-sharing manner. Absent.

[0111]

As described above, according to the present invention,
After ensuring the safety of the electronic wallet system, you can use your personally owned electronic wallet to transfer the amount information at a place away from the storefront, and the absence setting function allows you to store the amount information even when you are away. I can receive it.

Further, according to the present invention, it is possible to set a value that can be received as money amount information by connecting to an electronic wallet at a bank or the like via a communication line and making a bank account balance inquiry. , You don't have to visit every bank store.

Further, according to the present invention, the history information of the transaction of the money amount information is output by using the printing function of the facsimile function, so that the history information can be confirmed without operating the device for displaying the electronic information one by one. You can

Furthermore, according to the present invention, by having a communication function, it becomes possible to transfer money amount information at a place away from a store such as a home. By transmitting the information indicating the in-communication device configuration of the transfer of the money amount information, for example, if the partner device has a facsimile function, it is possible to automatically send the description of the product as facsimile information. Thus, it becomes possible to automatically send and receive information without instructing the form of the information.

Furthermore, according to the present invention, when a communication service is received at a distant point, the payment of the amount information for receiving the service can be performed using the communication line used in the communication service. No need to visit and pay.

[Brief description of drawings]

FIG. 1 is a first electronic wallet having a communication function according to the present invention.
It is a block diagram showing an embodiment of.

FIG. 2 is a second electronic wallet having a communication function according to the present invention.
It is a block diagram showing an embodiment of.

FIG. 3 is a diagram showing an example of an output result in the second embodiment shown in FIG.

FIG. 4 is a diagram showing another example of the output result in the second embodiment shown in FIG.

FIG. 5 is a flowchart showing a specific example of a balance confirmation operation of the second embodiment shown in FIG.

FIG. 6 is a flowchart showing another specific example of the balance confirmation operation of the second embodiment shown in FIG.

FIG. 7 is a flowchart showing an operation when receiving money amount information with a different IC card of the second embodiment shown in FIG.

FIG. 8 is a third electronic wallet having a communication function according to the present invention.
It is a block diagram showing an embodiment of.

9 is a diagram showing an input example in the third embodiment shown in FIG.

FIG. 10 is a block diagram showing a fourth embodiment of an electronic wallet having a communication function according to the present invention.

11 is a diagram showing a structure of information in the fourth embodiment shown in FIG.

12 is a flowchart showing the operation of the fourth exemplary embodiment shown in FIG.

FIG. 13 is a block diagram showing a fifth embodiment of an electronic wallet having a communication function according to the present invention.

[Explanation of symbols]

1 IC card 1a ID storage unit 1d Amount information storage 1b Arithmetic processing unit 2 electronic wallet 2a Display section 2b Card read / write section 2c Input section 2d absence setting switch 2e, 2e 'Wallet arithmetic processing unit 2f Wallet modem section 2g Line monitoring unit 2h switch 2i Information recording section 2j switch 3 communication lines 5 Modem equipment 5a Modem arithmetic processing unit 5b Voice processing unit 5c voice memory 5d Line control unit 5e Communication control unit 6 Image printing device 6a Image information decoding unit 6b Image output unit 6c Printing unit Calculation control unit 7 Image reading processor 8 character recognition part 8a image pattern recognition unit 9 Image information storage

─────────────────────────────────────────────────── ─── Continuation of the front page (72) Kenji Matsumoto Kenji Matsumoto 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Hitachi, Ltd. Multimedia system development headquarters (72) Inventor Shigeyuki Ito Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa No. 292 Hitachi Co., Ltd. Multimedia System Development Division (72) Inventor Masayuki Inoue Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa No. 292 Hitachi Image Information System Co., Ltd. (56) Reference JP-A-3-92966 (JP, A) JP-A-6-176252 (JP, A) (58) Fields investigated (Int.Cl. ⁷ , DB name) G06F 17/60 G06K 17/00 G07D 9/00 JISST file (JOIS)

Claims (4)

(57) [Claims] 1. A first IC card is an IC card capable of requesting receipt of money amount information from another electronic wallet, and a second IC card receives receipt of money amount information from the other electronic wallet. IC card read / write means for reading or writing information in the first and second IC cards, which are IC cards not requested to be requested, input means, and wallet arithmetic processing for controlling the IC card read / write means and means, an electronic purse terminal that performs transmission and reception of information via the other electronic purse and a communication line for reading or writing information in the IC card, the wallet arithmetic processing means, by the IC card reading and writing means The first IC read from the first IC card
The ID number of the card and the receipt entered by the input means
Information indicating that the second IC card receives the amount information together with the amount information of the amount to be collected is transmitted to the other electronic wallet, and the ID number of the first IC card, the amount information and the amount of money. Emotion
Information indicating that information is received by the second IC card,
After sending, the request sent from the other electronic wallet
The PIN input from the input means is used for the first IC
PIN stored in the card and the first IC card
The wallet calculation processing means
After transmitting to the other electronic wallet and transmitting the verification result, the IC card is sent from the other electronic wallet.
When there is a request for exchange, the wallet arithmetic processing means causes the first I
Prompt replacement of the C card with the second IC card,
When the exchange of the card is detected, the IC card exchange end information and the ID number of the second IC card are transmitted to the other electronic wallet, and the wallet arithmetic processing means receives the IC card exchange end information and the ID number. The electronic wallet terminal is characterized in that it receives the money amount information transmitted from the other electronic wallet that has received, and controls the IC card reading / writing means to write the information in the second IC card. 2. A first and a second IC card having an ID storage section for storing a unique ID number and an arithmetic processing section, wherein the first IC card receives the amount information from another electronic wallet. The requestable IC card and the second IC card are IC cards that are not permitted to request receipt of money amount information from the other electronic wallet. An IC card reading / writing means for reading / writing information, an input means, and a wallet arithmetic processing means for controlling the IC card reading / writing means, and another electronic wallet for reading / writing information of the IC card and a communication line an electronic purse terminal for transmitting and receiving information via a the wallet arithmetic processing means, ID number of the first IC card read by the IC card reading and writing means The input
The amount information of the amount to be received, which is input by the means, and the information indicating that the amount information is received by the second IC card is transmitted to the other electronic wallet, and the ID number is transmitted. , The amount information and the amount information are transferred to the second IC card.
When the inquiry request for the personal identification number transmitted from the other electronic wallet is received after transmitting the information indicating that the personal identification number is received by the card, the personal identification number input from the input means by the wallet arithmetic processing means. Through the IC card read / write means
To the arithmetic processing unit of the IC card, and the wallet arithmetic processing means inputs the personal identification number to the arithmetic processing unit of the first IC card and the I of the first IC card.
The comparison result obtained by comparing the personal identification number stored in the D storage unit is received, the comparison result is transmitted to the other electronic wallet, and the wallet calculation processing means receives the comparison result. receive an exchange request of IC card transmitted from, when detecting the replacement of the IC card, and transmits the ID number of the IC power over de IC card exchange termination information and the second to the said other electronic purse, the The wallet arithmetic processing means receives the amount information transmitted from the other electronic wallet which has received the IC card exchange end information and the ID number, and controls the IC card reading / writing means to control the second IC power. An electronic wallet terminal characterized by being written on a card. 3. The display device according to claim 1 or 2, further comprising: display means for displaying information, wherein the display means receives an IC card replacement request transmitted from the other electronic wallet that has received the comparison result. , An electronic wallet terminal, which displays an instruction to replace the first IC card with the second IC card. 4. The electronic wallet terminal according to claim 1, wherein the encrypted ID number is transmitted to the other electronic wallet together with the ID number.