JP3831029B2 - Electronic money system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
In the present invention, real money and economic money equivalent to exchangeable electronic money are stored, and settlement processing with the employer is performed using an IC card storing the employee's ID code. The present invention relates to an electronic money system using an IC card.
[0002]
[Problems to be solved by the invention]
For example, a so-called reimbursement system as one of settlements in a company that is an employer is as follows, for example. In other words, employees who have purchased corporate goods or paid for travel expenses such as business trips need to fill in the application form together with transaction records such as receipts and make a request. is there. And if the contents described in the application form are approved, the payment for the advance payment is paid to the employee who made the advance payment in cash or transferred to the bank account of the employee. .
[0003]
However, in such a reimbursement payment system, the work of preparing cash is troublesome for the employees of the accounting department, and the work of transferring to a bank account is troublesome. Also, for employees who have paid in advance, receiving cash is basically limited to the working hours of employees, so even if you wish to receive cash outside working hours, you cannot receive it, which is inconvenient. . Further, since the work of handling application documents and preparing cash is an artificial process, it takes time and labor to complete the settlement process, and there is a problem that errors are likely to occur.
[0004]
The present invention has been made in view of the above circumstances, and an object of the present invention is to provide electronic money using an IC card that can perform settlement processing between an employer and an employee conveniently and accurately. To provide a system.
[0005]
  The electronic money system of the present invention is
  An electronic money system comprising an employee's IC card and an in-house electronic money system,
  The IC card stores an employee's ID code, stores an electronic money storage area that stores an exchangeable electronic money that has an economic value equivalent to real money, and an electronic transaction record storage area that stores an electronic transaction record , And
  The in-house electronic money system includes a host computer, ATM, and attendance / leaving information acquisition means,
  The host computer is managed by an employer, an electronic money storage means having an electronic money file in the name of a company in which the electronic money is stored and an electronic money file in the name of an individual, an ID code identification means, and a password identification Means, electronic money transaction permission identifying means, electronic transaction permission identifying means, electronic money transfer means, and salary calculation means,
(1) When the IC card is inserted into the ATM and the ID code stored in the IC card is input, the ID code identifying means is a registered ID of an employee whose ID code is registered in advance. Identify whether it matches the code,
  The password identifying means, when a password is input from a user of the IC card, identifies whether the password matches a registered password registered in advance,
  When an electronic money transaction amount is input from a user of the IC card, the electronic money transaction permission identifying means refers to the employee's personal data and the electronic money transaction corresponding to the transaction amount is Identify whether it is permitted by the employer,
  The electronic money transfer means is identified by the ID code identification means if the ID code matches the registration ID code, the password identification means identifies that the password matches the registration password, and the electronic money transaction When it is identified that the transaction of electronic money corresponding to the transaction amount input by the permission identifying means is permitted by the employer, the electronic money corresponding to the transaction amount is transferred from the electronic money file in the personal name. Move to the electronic money storage area of the IC card,
(2) When the IC card is inserted into the ATM and the electronic transaction record stored in the electronic transaction record storage area of the IC card is input, the electronic transaction permission identifying means determines that the transaction content is the employer. Identify whether it is permitted by
  In the electronic money transfer means, the transaction content of the electronic transaction record is permitted by the employer.TheThe electronic money corresponding to the transaction amount of the electronic transaction record is moved from the electronic money file in the company name to the electronic money file in the personal name,
(3) The attendance / leaving information acquisition means is configured such that the IC card possessed at the time of attendance / employment of an employee is inserted into the attendance / time management time recorder, and the ID code stored in the IC card is input to enter / exit Get information,
  The salary calculation means calculates the salary of the employee based on the attendance / leaving information acquired by the attendance / leaving information acquisition means,
  When the salary calculation unit calculates the salary of the employee, the electronic money transfer unit converts the electronic money corresponding to the calculated salary from the electronic money file in the name of the company to the electronic money of the IC card. Move to storage,
  However, it has characteristics (claim 1).
[0006]
Prior to the description of the operation of the above configuration, electronic money will be briefly described.
Electronic money is a new payment method that is currently being tested in various countries around the world for practical use, such as Mondex, Cyber Cash, Visa Cash, and e-Cash. These electronic money are stored in an IC card according to the storage form of their economic value, specifically, Mondex or Visa Cash, and the economic value is stored in a hard disk or floppy disk of a computer. What is stored can be classified into cyber cash and e-cache. Here, an electronic money system using the IC card will be described below.
[0007]
In an electronic money system using an IC card, various payments can be made with electronic money as electronic information stored in a memory built in the IC card. For example, shopping at a supermarket, meal at a restaurant, purchase of a ticket Etc. Such an IC card is distributed to a customer who has an electronic money account in a bank, and the customer withdraws and uses the electronic money from his / her electronic money account to the IC card.
[0008]
In this case, the customer can withdraw electronic money using an ATM (Automatic Teller Machine) installed in the bank. For example, if you use an electronic money-compatible public telephone set up in a shopping district or a station, you can withdraw electronic money from your electronic money account from a remote location through a telephone line. If you use a telephone, you can withdraw electronic money through a telephone line while at home.
[0009]
Now, when shopping at a store using such an IC card, electronic money is traded as follows. That is, when a user of an IC card purchases a product at a store, the IC card is inserted into a POS terminal that supports electronic money. Then, electronic money corresponding to the price of the purchased product is transferred from the IC card to the POS terminal, thereby completing the transaction. Such electronic money transactions are also possible between individuals.
[0010]
Thus, an electronic money system using an IC card can handle electronic money in the same way as real money by using an IC card that can be easily carried as a medium. In the present invention, by using electronic money using such an IC card, settlement processing within an organization composed of an employer and an employee can be performed conveniently and accurately by transferring electronic money. It is something that can be done.
[0011]
Therefore, in the present invention, according to the electronic money system using the IC card having the above-described configuration, the ID code stored in the IC card by the ID code identifying means is registered in advance corresponding to the employee. If the password entered by the user of the IC card matches the registered password registered in advance corresponding to the employee, the user of the IC card Recognized as an employee.
[0012]
  When the electronic money transaction permission identifying means identifies that the transaction content of the electronic money corresponding to the transaction amount input from the user of the IC card is permitted by the employer, the electronic money transfer means The electronic money equivalent to the transaction amountFrom the electronic money file in the personal name to the electronic money storage area of the IC cardIt will be moved.
[0013]
  As a result, money generated between the employer and the employee can be exchanged by transferring electronic money via the IC card owned by the employee, and cash is prepared for the settlement process. In addition, the troublesome work of transferring money to a bank account is eliminated, and it is possible to carry out it accurately and conveniently.
  In addition, when an employee makes a purchase with reimbursement payments or requests a fee for future transactions, the troublesome work of submitting an application with documents including transaction details such as a receipt This makes it possible to make payments for transactions conveniently and accurately.
  In addition, when the ID code of the IC card owned by the employee is entered at the time of attendance / exit, attendance / employment information indicating the attendance / employment date and time is obtained together with the ID code by the attendance / exit information acquisition means, and the salary calculation means based on the attendance / employment information The electronic money equivalent to the salary is calculated by the electronic money transfer means.Electronic money file in the name of a companyIC card of employee targeted forElectronic money storage areaWill be moved to.
  As a result, the attendance and attendance information in the data that is the basis of the salary calculation is obtained using the IC card owned by the employee. The salary calculation can be performed conveniently and accurately, and the salary can be paid by electronic money via the IC card.
[0020]
  Also, the above configurationPower ofIn the child money system,
  The in-house electronic money system further comprises a debt calculation means,
  The liability calculating means is configured such that the IC card is provided in the store when payment for purchase is made using the IC card as a liability in the store managed or contracted by the employer.
When the ID code inserted into the IC card reading means and stored in the IC card is input, a liability for the employee of the ID code stored in the IC card is calculated,
  The salary calculation means calculates the salary of the employee based on the attendance / attendance information acquired by the attendance / attendance information acquisition means and the liability calculated by the liability calculation means.(Claims)2).
[0021]
  According to the above configuration, when the employee purchases at the store where the employee manages or contracts with the debt, the debt calculation means calculates the debt data for the employee of the ID code of the IC card, and the salary The salary of the employee is calculated based on the attendance information and liabilities by the calculation means.Ru.
[0026]
  In the electronic money system configured as described above,
  The in-house electronic money system is further provided with access permission means, an ID code stored in the IC card, and a password given by the user of the IC card, provided at the entrance of a building or room managed by the employer IC card reading means for inputtingPreparatione,
  The access permission means is identified by the ID code identification means that the ID code input to the IC card reading means provided at the entrance of the building or room matches the registered ID code, and the IC card reading means When the password input to the IC card user is identified by the password identification means as being coincident with a registered password for entrance / exit registered in advance corresponding to the employee of the registered ID code It may be configured to allow entry into and exit from the room (claim 3).
[0027]
According to the above configuration, the IC card that can use electronic money owned by the employee stores an ID code indicating that the employee is an employee, and the employee registers a password in advance. It is possible to specify whether or not the user of the IC card is an employee. Using this point, when entering the building or room managed by the employer, the employee enters the IC card ID code and enters the password to enter and leave the restricted employee room. Can be allowed. Thereby, it becomes possible to perform entrance / exit management with high security using an IC card that handles electronic money.
[0028]
  Also, the above configurationPower ofIn the child money system,
  The IC card further includes a personal information writing storage area in which personal information of the employee can be written and stored.May be configured (claims)4).
[0029]
According to the above configuration, personal information of the IC card user is written / stored by the personal information writing / storing means, and for example, the personnel information, history or health management data of the employee managed by the employer is stored in the IC card. Or data personally changed by the employee can be stored, and management of personal information can be improved.
[0030]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an embodiment in which the present invention is applied to an electronic money system in a company will be described with reference to the drawings.
First, an electronic money system 1 using an IC card of this embodiment is configured as shown in FIG. In the electronic money system 1 in the company (employer), various types of IC card readers into which an IC card 3 owned by an employee as an employee is inserted are installed in the host computer 2 which will be described in detail later. Are connected by a communication system.
[0031]
The IC card reader is installed at various locations in a company building. Specifically, for example, a time recorder 4 for entering and leaving management at an entrance of an office, a room where employees who can enter and leave are limited. There are an entrance / exit management card reader 5 installed at the entrance / exit of the restaurant, a cafeteria card reader 6 installed at the employee cafeteria, a POS terminal 7 installed at the store, and an ATM 8 installed at a predetermined place in the company. The entrance / exit management card reader 5 is connected to a door lock mechanism 5a as an entry / exit permission means.
[0032]
As described above, the IC card 3 can be inserted into an IC card reader managed by a company, that is, an IC card reader connected to the host computer 2 in the company, and is managed by the company. It can be inserted into other IC card readers that are not connected, that is, IC card readers that are not connected to the host computer 2. Specifically, it is also inserted into a POS terminal 10 that can handle the IC card 3 installed in a general store 9 or the like. The IC card 3 can also be inserted into a card reader unit (not shown) of the host computer 2, and in this case, the host computer 2 serves as an IC card reader. In FIG. 1 and FIG. 2 described later, it is indicated by a broken line that access is possible when the IC card 3 is inserted.
[0033]
Now, the IC card 3 will be described. The IC card 3 includes a CPU, a ROM, a RAM, a cryptographic processing circuit, a security management circuit, a memory management circuit, an input / output control circuit, and the like, and stores an ID code set corresponding to the owner of the IC card 3 ing. The IC card 3 is provided with an electronic money storage area 11 that can store electronic money that has the same economic value as real money and can be exchanged. In addition, the real money here is the money (coins and bills) in circulation. In addition, the IC card 3 is provided with an electronic transaction record storage area 12 as an electronic transaction record storage means, which will be described later, and a personal information write storage area 13 as a personal information write storage means.
[0034]
In the electronic transaction record storage area 12, when the owner (employee) of the IC card 3 purchases or orders a company's equipment, the transaction content between the equipment and the equipment price is stored as an electronic transaction record. It has come to be remembered. Specifically, when the owner of the IC card 3 purchases the equipment of the company at the store 9 outside the company, the POS terminal 10 uses the POS terminal 10 instead of a receipt to prove that the purchase has been paid. An electronic receipt as an electronic transaction record is stored.
[0035]
Further, when the owner of the IC card 3 orders the equipment of a company, an electronic order form as an electronic transaction record is stored instead of an order form in which the price required for the order is described. ing. Further, when the equipment of the company is delivered, an electronic delivery note as an electronic transaction record is stored in place of the delivery note that proves that the product has been delivered and paid for the delivery.
[0036]
In the personal information writing storage area 13, for example, the personal information of the owner of the IC card 3 is written and stored by the host computer 2 as necessary.
[0037]
Next, the host computer 2 described above will be described.
The host computer 2 is a module in which a program for processing information given from an IC card reader when the IC card 3 is inserted into the various IC card readers is grouped for each processing content. ID code identification module 14 as ID code identification means, password identification module 15 as password identification means, electronic money transaction permission identification module 16 as electronic money transaction permission identification means, electronic transaction permission identification as electronic transaction permission identification means A module 17, an electronic money transfer module 18 as electronic money transfer means, and a salary calculation module 19 as salary calculation means are provided.
[0038]
The ID code identification module 14 indicates that the ID code read in response to the IC card 3 being inserted into the above-described IC card reader is a registered ID code (indicating that it is an employee) registered in the host computer 2 in advance. This is a module for identifying whether or not the ID code matches. That is, the ID code identification module 14 identifies whether the IC card 3 is registered with a company, that is, whether it is owned by an employee.
[0039]
When the IC card 3 is inserted into the IC card reader described above, the password identification module 15 matches the password given by the owner of the IC card 3 with the registered password registered in the host computer 2 in advance. This module identifies whether or not to do so. That is, the password identification module identifies whether or not the IC card 3 is illegally used by a third party other than employees.
[0040]
The electronic money transaction permission identification module 16 is a module that reads the transaction amount of electronic money given by the owner of the IC card 3 and identifies whether or not the transaction of electronic money corresponding to the transaction amount is permitted. . For example, by referring to the personal data of the employee requesting the transaction, it is determined whether or not a predetermined standard is satisfied.
[0041]
As described above, the electronic transaction permission identifying module 17 stores the electronic transaction record, the electronic receipt as described above, the electronic purchase order, the electronic delivery note, and the like in the electronic transaction record storage area 12 of the IC card 3. Further, the module reads the contents of the electronic transaction record and identifies whether or not the transaction of the electronic transaction record is permitted.
[0042]
The electronic money transfer module 18 converts the electronic money corresponding to the transaction amount of the electronic money into an electronic money file 20 as an electronic money storage means and an internal electronic money deposit account as an internal electronic money deposit account. It is a module that moves to and from the file 21. The salary calculation module 19 is a module for calculating the salary and bonus of the employee who is the owner of the IC card 3.
[0043]
Here, the above-described electronic money file 20 stores electronic money, and includes an electronic money file 20a in the name of a company and an electronic money file 20b in the name of an individual. That is, for example, when the electronic money is transferred from the electronic money file 20a in the name of the company to the electronic money file 20b in the name of the individual, for example, the salary of the employee is paid, and the electronic money is transferred from the electronic money file 20b in the name of the individual to the IC card 3. With this, the owner of the IC card 3 can use electronic money.
[0044]
The in-company electronic money deposit file 21 corresponds to a so-called in-house deposit account. The employee deposits electronic money in the personal name in the in-company electronic money deposit file 21, or from the in-company electronic money deposit file 21. You can withdraw electronic money under your personal name.
[0045]
Further, not only the host computer 2 but also various IC card readers are provided with modules executed by respective control computers. Specifically, the time management 4 for attendance and attendance management includes an attendance and attendance information acquisition module 22 as attendance and attendance information acquisition means. The attendance and attendance information acquisition module 22 reads the ID code in response to the owner of the IC card 3 inserting the IC card 3 into the attendance and attendance management time recorder 4 at the time of attendance and departure, and attendance and attendance information of the owner of the IC card 3 It is a module to acquire.
[0046]
The entrance / exit management card reader 5 is provided with an IC card reading module 23 as IC card reading means. The IC card reading module 23 reads the ID code and password in response to the insertion of the IC card 3 into the entry / exit management card reader 5 when the owner of the IC card 3 enters or exits the room. Are modules for identifying whether or not they coincide with a registration ID code and a registration password for entering / leaving the room registered in advance in the host computer 2.
[0047]
The cafeteria card reader 6 and the POS terminal 7 are respectively provided with debt calculation modules 24 and 25 as debt calculation means. The debt calculating module 24 of the cafeteria card reader 6 inserts the IC card 3 into the cafeteria card reader 6 when the owner of the IC card 3 pays the meal price as a debt when eating in the cafeteria. Accordingly, the module reads the ID code and calculates the liability of the owner of the IC card 3.
[0048]
The liability calculation module 25 of the POS terminal 7 inserts the IC card 3 into the POS terminal 7 when the owner of the IC card 3 purchases the item at a store in the company and pays the price of the item as a liability. This is a module that reads the ID code and calculates the debt of the owner of the IC card 3 according to the above.
[0049]
Information obtained by the attendance / leaving information acquisition module 22, the IC card reading module 23, and the debt calculation modules 24 and 25 is given to various modules in the host computer 2 by an in-house communication system and processed. ing.
[0050]
So far, the inside of the in-company electronic money system 1 has been mainly described. Next, the relationship between the in-company electronic money system 1 and the outside will be described with reference to FIG. As described above, the owner of the IC card 3 is connected to the host computer 2 of the in-house electronic money system 1 by the time recorder 4 for entering and leaving management, the card reader 5 for entering / leaving management, and the card reader 6 for dining room. The POS terminal 7 and the ATM 8 can be accessed by inserting the IC card 3. In addition, the host computer 2 can be accessed remotely by way of the communication line 26. The communication line 26 here is, for example, an ISDN (Integrated Services Digital Network) or an existing analog telephone network.
[0051]
Specifically, the host computer 2 can be accessed using a telephone. The telephone includes the electronic money-compatible public telephone 27 and the electronic money-compatible home telephone 28, which function as an IC card reader. That is, when the owner of the IC card 3 inserts the IC card 3 into the electronic money-compatible public telephone 27 or the electronic money-compatible household telephone 28, the host computer 2 can be accessed via the communication line 26.
[0052]
Further, the host computer 2 can be accessed not only from these telephones but also from an ATM 30 managed by a bank 29 that can access the communication line 26. In this case, the bank 29 is not limited to a bank having a transaction with a company having the in-company electronic money system 1, and may be a bank without a transaction.
[0053]
Further, the host computer 2 can also be accessed from an ATM 32 managed by another company (shown as company A in FIG. 2) 31 that can access the communication line 26 regardless of the company or bank. In these cases, the ATMs 30 and 32 function as IC card readers.
[0054]
As described above, in this embodiment, the owner of the IC card 3 is not limited to the inside of the in-company electronic money system 1, but from the outside of the in-company electronic money system 1 by using the communication line 26. Can also access the host computer 2.
[0055]
Next, functional aspects of the in-house electronic money system 1 will be described with reference to FIG.
The in-company electronic money system 1 is an electronic money transfer system, an electronic money settlement system, a payroll system using electronic money, a purchase management system using electronic money, and an in-house deposit system using electronic money from the aspect of performing in-house payment. Systematized. Among them, the electronic money settlement system is organized into an electronic transaction record issuing system and an electronic transaction record settlement system, and the salary payment system using electronic money is organized into an attendance management system and a salary payment calculation system. From the aspect of using the IC card 3, it is systematized into a building security management system and a personnel information management system. These systems are realized by executing the various modules described above.
[0056]
Hereinafter, each systemized system will be described in order with reference to FIGS. First, an electronic money transfer system will be described with reference to FIG.
In this case, when the owner of the IC card 3 inserts the IC card 3 into, for example, an ATM 8 in the company, the control computer of the ATM 8 detects that the IC card 3 has been inserted, and “YES” in step S1. And the process proceeds to step S2.
[0057]
The control computer of the ATM 8 reads the ID code stored in the inserted IC card 3 and transmits the read ID code to the host computer 2. The host computer 2 executes the ID code identification module 14 described above to identify whether or not the received ID code matches a registered ID code registered in advance. It transmits to the control computer of ATM8. When the control computer of the ATM 8 receives the ID code confirmation signal, the process proceeds to step S3 and waits for the password to be input from the owner of the IC card 3.
[0058]
Next, when the owner of the IC card 3 inputs the password, the control computer of the ATM 8 reads the input password and transmits the read password to the host computer 2. The host computer 2 executes the password identification module 15 described above to identify whether or not the received password matches a registered password registered in advance, and when it matches, a password confirmation signal is sent to the control computer of the ATM 8. Send to. Then, when receiving the password confirmation signal, the control computer of the ATM 8 proceeds to step S4 and waits for the electronic money transaction amount to be input from the owner of the IC card 3.
[0059]
Next, when the owner of the IC card 3 inputs the transaction amount, the control computer of the ATM 8 reads the input transaction amount and transmits the read transaction amount to the host computer 2. The host computer 2 executes the electronic money transaction permission identification module 16 described above to identify whether or not the electronic money transaction corresponding to the received transaction amount is permitted. In this case, as described above, the host computer 2 determines whether or not to permit the transaction of the electronic money by referring to personal data, for example.
[0060]
When the host computer 2 identifies that the electronic money transaction corresponding to the transaction amount is permitted, the ATM 8 control computer proceeds to step S5, and the host computer 2 executes the electronic money transfer module described above. 18 is executed, the electronic money corresponding to the transaction amount is transferred between the IC card 3 and the electronic money file 20 in the host computer 2, in this case, the electronic money file 20b in the personal name.
[0061]
In this case, the flow of electronic money is when money is transferred from the electronic money file 20b in the personal name to the IC card 3 (so-called withdrawal), or conversely, when money is transferred from the IC card 3 to the electronic money file 20b. (So-called deposit). Further, not only the ATM 8 within the company but also the public telephone 27 corresponding to the electronic money outside the company, the home telephone 28 corresponding to the electronic money, or the ATM 30 of the bank 29 or the ATM 32 of the A company 31 through the communication line 26 described above. You can also withdraw and deposit electronic money.
[0062]
Next, an electronic money settlement system will be described with reference to FIGS. As described above, this electronic money settlement system includes an electronic transaction record issuance system and an electronic transaction record settlement system, and each will be described below. First, an electronic transaction record issuing system, in this case, a case where an electronic receipt is issued as an electronic transaction record will be described with reference to FIG.
[0063]
In this case, for example, when the owner of the IC card 3 purchases equipment necessary for business at a store 9 outside the company by replacement payment, for example, the store clerk of the store 9 connects the user's IC to the POS terminal 10. When the card 3 is inserted, the control computer of the POS terminal 10 detects that the IC card 3 has been inserted, determines “YES” in step T1, and proceeds to step T2.
[0064]
The control computer of the POS terminal 10 withdraws electronic money corresponding to the price of the equipment from the IC card 3 to the POS terminal 10, and proceeds to step T3. Then, in step T3, the control computer of the POS terminal 10 determines whether or not to issue an electronic receipt as an electronic transaction record for the price of the equipment as an electronic transaction record. Here, the electronic receipt is issued. Therefore, it is determined as “YES”, and the process proceeds to Step T4.
[0065]
Then, the control computer of the POS terminal 10 stores an electronic receipt as an electronic transaction record in the electronic transaction record storage area 12 of the inserted IC card 3. As a result, the fact that the electronic money corresponding to the price of the equipment has been paid to the IC card 3 is stored as electronic receipt by the electronic information. Here, the data stored in the electronic receipt is data including items described in a receipt issued by a normal document, such as date, business partner, amount of money, purchaser, and the like. In this case, as described above, the electronic transaction record is not limited to the electronic receipt corresponding to the receipt, but may be an electronic purchase order corresponding to the purchase order or an electronic delivery note corresponding to the delivery note. The price is not limited to electronic money, and may be paid with the above-described real money.
[0066]
Next, an electronic transaction record settlement system that settles the electronic transaction record issued in this way will be described with reference to FIG.
In order for the owner of the IC card 3 to settle an electronic transaction record (such as an electronic receipt, an electronic order form, and an electronic delivery note) stored in the electronic transaction record storage area 12, for example, the IC card 3 is connected to an ATM 8 in the company. Is inserted, the control computer of the ATM 8 detects that the IC card 3 has been inserted, determines "YES" in step U1, and proceeds to step U2.
[0067]
And the control computer of ATM8 transmits the electronic transaction record memorize | stored in the IC card 3 to the host computer 2, and the host computer 2 produces electronic transaction record data based on the received electronic transaction record. Transition. Here, the electronic transaction record data is an electronic transaction record, for example, an electronic receipt that includes an ID code, a date, a business partner, an amount of money, a purchaser, etc. created based on the electronic receipt. is there.
[0068]
In Step U3, the host computer 2 determines whether or not the electronic transaction record data has been approved by, for example, a settlement officer by executing the electronic transaction permission identification module 17 described above. Here, if the electronic transaction record data is approved, the host computer 2 determines “YES” in step U3, and determines a transaction amount payment method in step U4. Here, as payment methods, there are a method of paying to the above-mentioned electronic money file 20b under the personal name and a method of paying as electronic money under the personal name to the in-house electronic money deposit file 21. You can choose.
[0069]
When the host computer 2 determines that the transaction amount is to be paid to the electronic money file 20b in the personal name, the host computer 2 proceeds to Step U5, and the electronic money in the personal name of the owner of the IC card 3 is transferred to the electronic money corresponding to the transaction amount. Deposit money into the file 20b. Thereafter, the owner of the IC card 3 can withdraw the electronic money corresponding to the transaction amount from the electronic money file 20b to the IC card 3 by operating the electronic money transfer system described above.
[0070]
On the other hand, when the host computer 2 determines that the transaction amount is to be paid to the in-company electronic money deposit file 21, the host computer 2 proceeds to step U 6 and transfers the electronic money corresponding to the transaction amount to the in-company electronic money deposit file 21. Deposit money.
[0071]
When the electronic transaction record data is rejected, the host computer 2 determines “NO” in step U3, moves to step U7, and notifies the user that the settlement is denied. ing.
[0072]
Next, a salary payment system using electronic money will be described with reference to FIGS. As described above, this electronic money salary payment system is composed of the attendance and attendance management system and the salary payment calculation system, which will be described below. First, the time and attendance management system will be described with reference to FIG. In this case, when the owner of the IC card 3 inserts the IC card 3 into the attendance / time management time recorder 4 at the time of attendance, the control computer of the attendance / employment management time recorder 4 executes the attendance / leaving information acquisition module 22 to execute step V1. The attendance information of the owner of the IC card 3 is read. Then, when the owner of the IC card 3 inserts the IC card 3 into the attendance / time management time recorder 4 at the time of leaving work, the control computer of the attendance / time management time recorder 4 displays the leaving information of the owner of the IC card 3 in step V2. The attendance information is created based on the read and read attendance information and the attendance information.
[0073]
Next, the control computer of the attendance / time management time recorder 4 determines whether or not to pay the salary in step V3. When paying the salary, the control computer determines “YES” in step V3 and proceeds to step V4. Here, whether or not to pay salary is, if it is a regular employee, generally, it is judged as “YES” once every month at the payment date on a predetermined date. If so, the payment date is determined as “YES” in a short period such as weekly or daily.
[0074]
Next, in step V4, the control computer of the attendance / leaving management time recorder 4 determines a salary payment method. In other words, if the control computer of the attendance management time recorder 4 is a regular employee, the salary is paid in a lump from the host computer 2 on a predetermined date, for example, on a monthly basis, and the process goes to step V5 to create the attendance information. Is transmitted to the host computer 2.
[0075]
On the other hand, when a temporary employee such as a part-time worker pays the salary immediately from the time recorder 4 on the spot, that is, the salary amount is calculated in step V6, and the electronic money corresponding to the salary is IC card in step V7. Deposit 3 At this time, the control computer of the time recorder 4 notifies the host computer 2 that the salary has been paid from the time recorder 4. As a result, when a temporary employee such as a part-time worker leaves the office, he / she can pay the salary immediately by performing the attendance / return calculation and the salary calculation. Whether the employee is a regular employee or a temporary employee such as a part-time worker can be identified by, for example, adding an identification code to the ID code stored in the IC card 3. It can be easily judged.
[0076]
Next, a salary payment calculation system performed by the host computer 2 based on the attendance / leaving information transmitted from the attendance / time management time recorder 4 will be described with reference to FIG.
When the host computer 2 receives the attendance information from the attendance management time recorder 4 in step W1, in step W2, the host computer 2 aggregates the attendance data of the corresponding employee based on the attendance information, and proceeds to step W3. The host computer 2 determines whether there is debt data. If there is debt data, the host computer 2 proceeds to step W4, reads the debt data, and proceeds to step W5. The debt data refers to employee debts generated in the company, and will be described in detail in “Electronic money purchase management system” described later.
[0077]
The host computer 2 executes the salary calculation module 19 to calculate the salary to be paid to the employee who owns the IC card 3 based on various data including the debt data when the above-mentioned attendance data and debt data are present. The process proceeds to step W6. Then, the host computer 2 determines the payment method of the calculated salary. Here, as payment methods, there are a method of paying the above-mentioned electronic money file 20b under the personal name, a method of paying the electronic money deposit file 21 within the company as electronic money under the personal name, and a method of paying the IC card 3. The owner of the IC card 3 can select in advance.
[0078]
When the host computer 2 determines that the salary is to be paid to the electronic money file 20b in the personal name, the host computer 2 proceeds to Step W7 and deposits the electronic money corresponding to the salary into the electronic money file 20b in the name of the owner of the IC card 3. . When the host computer 2 determines that the salary is to be paid to the in-company electronic money deposit file 21, the host computer 2 proceeds to step W <b> 8 and deposits the electronic money corresponding to the salary into the in-company electronic money deposit file 21. Further, when the host computer 2 determines that the salary is to be paid to the IC card 3, the host computer 2 proceeds to step W9, assuming that the electronic money corresponding to the salary is inserted into the IC card reader. , Send money to IC card 3.
[0079]
In step W10, the host computer 2 determines whether or not to issue an electronic specification. This electronic statement is a so-called salary statement as electronic information. When the host computer 2 determines that the electronic statement is to be issued, the host computer 2 determines “YES” in step W10, and in step W11, the electronic information is electronically stored in the empty area of the electronic transaction record storage area 12 of the IC card 3 by electronic information. Remember the description. As described above, the salary is paid by electronic money.
[0080]
Next, a purchase management system using electronic money will be described with reference to FIG.
In this case, when the owner of the IC card 3 purchases an article at, for example, a store in the company, if the IC card 3 is inserted into the POS terminal 7 of the store, the control computer of the POS terminal 7 determines “YES” in step X1. And the process proceeds to step X2. Then, the control computer of the POS terminal 7 determines a payment method for the goods. At this time, in the case of so-called immediate settlement in which payment is made with electronic money stored in the IC card 3, the control computer of the POS terminal 7 proceeds to step X3 and withdraws electronic money corresponding to the price of the article from the IC card 3. .
[0081]
On the other hand, when paying by so-called salary deduction instead of immediate settlement, the control computer of the POS terminal 7 proceeds to step X4 and executes the above-described debt calculation module 25, thereby deducting the liability for the price of the goods. Create data. The debt data is read when the host computer 2 performs salary calculation as described above. Such debt data is created as necessary by executing the debt calculation module 24 of the cafeteria card reader 6 even when eating in the employee cafeteria, for example. As a result, the salary that settled the debt will be paid.
[0082]
Next, the building security management system will be described with reference to FIG. In this case, when the owner of the IC card 3 inserts the IC card into the entry / exit management card reader 5, the control computer of the entry / exit management card reader 5 executes the IC card reading module 23 described above, Steps Y1 to Y3 similar to steps S1 to S3 in the “electronic money transfer system” described above are performed. In this case, the password to be used is not the above-described registration password but a registration password set separately for entry and exit, and is compared with this registration password for entry and exit in step Y3.
[0083]
Then, the control computer of the entry / exit management card reader 5 executes Steps Y1 to Y3, and then outputs an entry permission signal to the door lock mechanism 5a in Step Y4, unlocks the door lock, and performs Step Y5. Migrate to Then, the control computer of the entry / exit management card reader 5 creates the history data of the employee who entered the room based on the read ID code, for example. As a result, security management can be improved, such as permitting only registered employees to enter the room.
[0084]
Next, the personnel information management system will be described with reference to FIG.
In this case, when the owner of the IC card 3 inserts the IC card into the host computer 2, the host computer 2 performs the processing of Steps Z1 to Z3 similar to Steps S1 to S3 in the above-described “electronic money transfer system”.
[0085]
Then, after executing steps Z1 to Z3, the host computer 2 stores the personal information of the owner of the IC card 3 in the personal information writing storage area 13 of the IC card 3, for example, the date of birth, age, sex, etc. Write, store affiliation, personnel information, history, health management data, etc. As a result, the personal information of the owner can be written and stored in the IC card 3, and the management of the personal information can be improved.
The in-house deposit system using electronic money has been described in the electronic money settlement system and the salary payment using electronic money, and the description thereof will be omitted.
[0086]
As described above, according to the present embodiment, when the owner of the IC card as the employee inserts the IC card 3 into the IC card reader, the ID code is stored in the host computer 2 provided in the company as the employer. The identification module 22 identifies that the ID code of the IC card 3 matches the registration ID code, and the password identification module 23 identifies that the password given by the owner of the IC card 3 matches the registration password, and the electronic money transaction permission identification module When the electronic money transfer module 18 identifies that the electronic money corresponding to the transaction amount given by the owner of the IC card 3 is permitted by the electronic money transfer module 18, Since it was configured to move to and from the money file 20, Payment processing between the employer and the employee can be performed by transferring electronic money using the IC card 3, for example, there is no troublesome work of preparing cash or transferring to a bank account, In-house payments can be made conveniently and accurately.
[0087]
In addition, when an advance payment is made at a store 9 outside the company, an electronic transaction record is stored in the electronic transaction record storage area 12 of the IC card 3 so that the electronic transaction permission identification module 17 of the host computer 2 can perform the transaction. Since it is configured that the transaction amount of the electronic transaction record is paid by the electronic money by the electronic money transfer module 18 when it is identified that the transaction of the electronic money corresponding to the amount is permitted, the purchase can be made by, for example, advance payment. Even so, the troublesome work of submitting application documents attached with receipts is eliminated, and settlement processing such as reimbursement within the company can be performed conveniently and accurately.
[0088]
Also, when the IC card 3 is inserted into the attendance / time management time recorder 4, the attendance / leaving information of the owner of the IC card 3 is obtained by the attendance / leaving information acquisition module 22, and the salary calculation module 19 of the host computer 2 uses the IC card based on the attendance / attack information. 3 is calculated, and the electronic money transfer module 18 is configured to pay the salary with electronic money. Therefore, the IC card 3 owned by the employee is used for the attendance information that is the basis of the salary calculation. In addition, the troublesome work of preparing the salary in cash or transferring it to the bank account is eliminated, and the payment of the salary in the company can be performed conveniently and accurately.
[0089]
Further, when the IC card 3 is inserted into the POS terminal 7 in the company when purchasing the equipment as a liability, the liability calculation module 25 calculates the liability of the owner of the IC card 3, and the salary calculation module 19 calculates the attendance information and the debt. The salary of the owner of the IC card 3 is calculated based on the above, so that the salary minus the debt can be paid, and the employee's debt can be settled conveniently and accurately. become.
[0090]
In addition, since the electronic money transfer module 18 can selectively transfer electronic money among the IC card 3, the electronic money file 20, and the in-company electronic money deposit file 21, the electronic money can be used effectively. Will be able to.
[0091]
In addition, the electronic money file 20 or the in-company electronic money file 21 can be accessed via the communication line 26 using the IC card 3, so that electronic money can be handled from a remote location.
[0092]
When the IC card 3 is inserted into the entrance / exit management card reader 5, the IC card reading module 23 reads the ID code of the IC card 3 and the password given by the user of the IC card, and the ID code identification module 14 reads it. When the ID code is identified to match the registered ID code, and the password read by the password identification module 15 is identified to match the registered password for entering and leaving the room, the door lock mechanism 5a is used to own the IC card 3 Therefore, for example, only registered employees can be allowed to enter the room, so that security management within the company can be improved.
[0093]
Further, since the personal information of the owner of the IC card 3 is written and stored in the personal information writing storage area 13 of the IC card 3, the management of the personal information in the company can be improved. .
[0094]
The present invention is not limited to the above embodiments, and can be modified or expanded as follows.
The attendance / attendance acquisition module 22, the IC card reading module 23, and the debt calculation modules 24 and 25 may be provided in the host computer 2, and the host computer 2 may perform these processes.
[0095]
【The invention's effect】
  As is apparent from the above description, claim 1Power ofAccording to the child money system, when the employee uses the IC card, the ID code identification means and the password identification means recognize that the user of the IC card is the employee, and the electronic money transaction permission identification means When it is identified that the transaction content of the electronic money requested by the IC card user is permitted by the employer, the electronic money transfer means will return the electronic money corresponding to the transaction amount.Electronic money storage area of IC card from electronic money file under personal nameSince it is configured to be transferred to the company, the money generated between the employer and the employee can be exchanged with the electronic money via the employee's IC card, which is convenient and accurate. Will be able to do.
  Also, when an employee conducts a transaction for a purchase to be paid by the employer, the transaction content is stored as an electronic transaction record in the electronic transaction record area of the IC card, and the electronic authorization identification means is used for the electronic transaction When the transaction content of the record is identified as being permitted by the employer, the electronic money transfer means moves the electronic money corresponding to the transaction amount from the electronic money file in the company name to the electronic money file in the personal name For example, even if an employee makes a transaction with reimbursement payment, the transaction amount can be exchanged with electronic money so that the reimbursement payment process can be performed accurately and conveniently. become.
  Also, when the ID code of the IC card owned by the employee is entered at the time of attendance / exit, the attendance information acquisition means obtains attendance information, and the salary calculation means calculates the salary of the employee based on the attendance information. Since the money transfer means is configured to move the electronic money corresponding to the salary to the electronic money storage area of the electronic money file IC card in the name of the company, the IC card that the employee owns the attendance information that is the basis of the salary calculation Can be used to manage employee attendance information, perform salary calculation based on the data, and pay for salary with electronic money via IC card become.
[0096]
  Claim 2Power ofAccording to the child money system,When the employee purchases at the store where the employee manages or contracts with the debt, the debt calculation means calculates the employee's debt for the purchase, and the salary calculation means based on the attendance information and debt Since the employee's salary is calculated, the salary minus the debt can be paid, and the debt can be settled conveniently and accurately.
[0097]
  Claim 3Power ofAccording to the child money system,Since the IC card ID code matches the registration ID code and the password matches the preset registration password for entry / exit, the entry / exit is permitted. Access to buildings and rooms managed by the employer can be permitted, and the security of entrance / exit management can be improved.
[0098]
  Claim 4Power ofAccording to the child money system,Since the personal information writing storage area is configured to write and store the personal information of the user of the IC card, the management of personal information can be improved.
[Brief description of the drawings]
FIG. 1 is a block diagram showing the internal configuration of an embodiment of the present invention.
FIG. 2 is a diagram showing the relationship with the outside
Fig. 3 System diagram showing functional aspects
FIG. 4 is a flowchart of an electronic money transfer system.
FIG. 5 is a flowchart (part 1) of the electronic money settlement system.
FIG. 6 is a flowchart (part 2) of the electronic money settlement system.
FIG. 7 is a flowchart of a payroll system using electronic money (part 1).
FIG. 8 is a flowchart of a payroll system using electronic money (part 2).
FIG. 9 is a flowchart of a purchase management system using electronic money.
FIG. 10 is a flowchart of the building security management system.
FIG. 11 is a flowchart of the personnel information management system.
[Explanation of symbols]
In the drawings, 1 is an electronic money system using an IC card, 3 is an IC card, 5a is a door lock mechanism (entrance / exit permission means), 12 is an electronic transaction record storage area (electronic transaction record storage means), and 13 is personal information writing. Storage area (personal information writing storage means), 14 is an ID code identification module (ID code identification means), 15 is a password identification module (password identification means), 16 is an electronic money transaction permission identification module (electronic money transaction permission identification means) , 17 is an electronic transaction permission identification module (electronic transaction permission identification means), 18 is an electronic money transfer module (electronic money transfer means), 19 is a salary calculation module (salary calculation means), and 20 is an electronic money file (electronic money storage means). ), 21 is an electronic money deposit file (electronic money deposit account), and 22 is an attendance information Joules (attendance information acquiring means), 23 is an IC card reading module (IC card reader), 24 debt calculation module (liability calculating means), 25 debt calculation module (liability calculating means), 26 is a communication line.

Claims (4)

An electronic money system comprising an employee's IC card and an in-house electronic money system,
The IC card stores an employee's ID code, stores an electronic money storage area that stores an exchangeable electronic money that has an economic value equivalent to real money, and an electronic transaction record storage area that stores an electronic transaction record , And
The in-house electronic money system includes a host computer, ATM, and attendance / leaving information acquisition means,
The host computer is managed by an employer, an electronic money storage means having an electronic money file in the name of a company in which the electronic money is stored and an electronic money file in the name of an individual, an ID code identification means, and a password identification Means, electronic money transaction permission identifying means, electronic transaction permission identifying means, electronic money transfer means, and salary calculation means,
(1) When the IC card is inserted into the ATM and the ID code stored in the IC card is input, the ID code identifying means is a registered ID of an employee whose ID code is registered in advance. Identify whether it matches the code,
The password identifying means, when a password is input from a user of the IC card, identifies whether the password matches a registered password registered in advance,
When an electronic money transaction amount is input from a user of the IC card, the electronic money transaction permission identifying means refers to the employee's personal data and the electronic money transaction corresponding to the transaction amount is Identify whether it is permitted by the employer,
The electronic money transfer means is identified by the ID code identification means if the ID code matches the registration ID code, the password identification means identifies that the password matches the registration password, and the electronic money transaction When it is identified that the transaction of the electronic money corresponding to the transaction amount input by the permission identifying means is permitted by the employer, the electronic money corresponding to the transaction amount is extracted from the electronic money file in the personal name. Move to the electronic money storage area of the IC card,
(2) When the IC card is inserted into the ATM and the electronic transaction record stored in the electronic transaction record storage area of the IC card is input, the electronic transaction permission identifying means determines that the transaction content is the employer. Identify whether it is permitted by
The electronic money transfer means, when it is identified that the transaction content of the electronic transaction record is permitted by the employer, electronic money corresponding to the transaction amount of the electronic transaction record is transferred to the electronic money file under the company name To the electronic money file of the personal name,
(3) The attendance / leaving information acquisition means is configured such that the IC card possessed at the time of attendance / employment of an employee is inserted into an attendance / time management time recorder, and the ID code stored in the IC card is input to enter / exit Get information,
The salary calculation means calculates the salary of the employee based on the attendance / leaving information acquired by the attendance / leaving information acquisition means,
When the salary calculation unit calculates the salary of the employee, the electronic money transfer unit converts the electronic money corresponding to the calculated salary from the electronic money file in the name of the company to the electronic money of the IC card. Move to storage,
An electronic money system characterized by this. The in-house electronic money system further comprises a debt calculation means,
The debt calculating means inserts the IC card into an IC card reading means provided in the store when payment for purchase is made with a liability using the IC card at a store managed or contracted by the employer. When the ID code stored in the IC card is input, a liability for the employee of the ID code stored in the IC card is calculated.
The salary calculation means calculates the salary of the employee based on the attendance / attendance information acquired by the attendance / attendance information acquisition means and the liability calculated by the liability calculation means. Electronic money system. The in-house electronic money system is further provided with an access permission means, an ID code stored in the IC card and a password given by the user of the IC card, provided at the entrance of a building or room managed by the employer e Bei but the IC card reading means is input,
The access permission means is identified by the ID code identification means that the ID code input to the IC card reading means provided at the entrance of the building or room matches the registered ID code, and the IC card reading means When the password input to the IC card user is identified by the password identification means as being coincident with a registered password for entrance / exit registered in advance corresponding to the employee of the registered ID code The electronic money system according to claim 1, wherein access to and from the room is permitted.   4. The electronic money system according to claim 1, wherein the IC card further includes a personal information writing storage area in which personal information of the employee can be written and stored.

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