JP4205331B2 - Payment method and payment system using electronic wallet - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention is a settlement method in the case of making purchases or cashing using an electronic wallet. as well as It relates to a payment system. In the following, as an example of a lottery, a horse race betting ticket (hereinafter referred to as “horse ticket”) will be described.
[0002]
[Prior art]
Conventionally, the purchase of a betting ticket and the refund of a hit betting ticket (in exchange for money) have been performed at a racetrack or an off-site betting ticket office. In recent years, betting ticket purchase machines and automatic payout machines have been installed, and the unattended and speeding up of betting ticket purchase and refund processing have been attempted.
[0003]
At the sales floor as described above, since payment is normally performed in cash, the user must always carry cash, which is a factor in taking time for purchase and processing.
[0004]
Under such circumstances, various systems have been proposed that can be used for cashless ticket purchases or paybacks using a prepaid card or an electronic wallet in which money information is stored in an IC card.
[0005]
[Problems to be solved by the invention]
However, in such a system, since the card itself has a monetary value, there is a risk that fraudulent acts such as forgery and alteration are performed. It is also possible to purchase a betting ticket directly using a bank cash card, for example. Each time a transaction is performed, identity authentication is performed based on the ID, password, etc. of the card owner (account holder). There is a need. Performing such authentication every time a betting ticket is purchased or refunded is very cumbersome for the user, and the burden on the system is large, resulting in high costs and processing delays. In particular, since there are many users who purchase betting tickets within a short period of time between races (usually 30 minutes), authenticating each time a betting ticket is purchased, and further processing such as purchasing, There is a risk of so-called purchase loss and trouble with the user.
[0006]
The present invention is a method capable of reliably and inexpensively preventing fraudulent acts such as falsification or alteration of an electronic wallet when a betting ticket transaction is performed at a voting ticket office using an electronic wallet. as well as The purpose is to provide a system.
[0007]
[Means for Solving the Problems]
According to a first main aspect of the present invention, an account is stored in a financial institution which is executed by a settlement system including a central processing unit and a terminal connected to the central processing unit and a financial institution system. A method for paying a fee for a transaction performed between a trader and a trader (provider) providing goods / services to the trader using an electronic wallet held by the trader. An account balance information acquisition unit is connected to the financial institution system via a communication line, and acquires an account balance information acquisition step of acquiring information on the account balance of the trader. The balance transfer instruction amount receiving step for receiving information on the amount transferred to the electronic wallet (transfer instruction amount) in the balance of the account of the transaction from the input device of the terminal, and the money information writing unit of the terminal received the information Move instruction And the balance information writing unit of the terminal includes the electronic information purging information stored in the electronic wallet as monetary information. For transactions using wallets Date and Amount and balance after transaction Transaction history information including Transaction information writing step for storing the information in the electronic wallet and the balance information receiving unit of the central processing unit are written in the electronic wallet Transaction history information Is stored in the transaction history information storage unit after a lapse of a predetermined period, and a transaction history information storage step for storing the transaction history information in the transaction history information storage unit and the consistency determination unit of the central processing unit. Within a given period Based on the transaction history information, For all transactions, the pre-transaction balance (the post-transaction balance of the previous transaction) and the transaction amount Balance after transaction When The transition of All transactions depend on consistency Chronologically Continuous A consistency judgment process for judging whether or not All transactions within a specified period When it is determined that the transition of the balance is consistent, the settlement processing unit of the central processing unit Last transaction Transactions After balance and the transfer instruction amount The difference of Settlement amount As Calculate and financial institution system On the other hand, a settlement method is provided that executes a settlement step of outputting instruction information for transferring funds between a transaction account and a business account for the settlement amount.
[0008]
According to such a configuration, the transaction is settled after confirming the consistency of the transaction performed during a predetermined period such as the period of horse racing. Thus, even if the electronic wallet information is falsified during a predetermined period, fraudulent acts can be surely prevented by preventing settlement of the transaction. In addition, since it is not necessary to confirm the identity with a password or the like each time a transaction is made with an electronic wallet, computer resources can be saved and computer processing for transactions can be performed quickly.
[0009]
According to an embodiment of the present invention, the balance has an expiration date. Here, it is preferable that the expiration date is the predetermined period.
[0010]
According to such a configuration, for example, the expiration date can be set as an event holding period, whereby the electronic wallet can be disabled after the event ends.
[0011]
According to another embodiment of the invention, The monetary information writing step includes Before or during the predetermined period, The monetary information writing unit of the terminal stores the movement instruction amount (monetary information) and its expiration date in an electronic wallet so that the monetary information is stored. Activate this e-wallet.
[0012]
According to another embodiment of the present invention, the electronic wallet stores transaction information of each transaction. Here, the transaction is a lottery, and the transaction information is preferably information for converting the lottery and storing it in an electronic wallet.
[0013]
According to the second main aspect of the present invention, a central processing unit and a terminal connected to the central processing unit and the system of the financial institution are provided. The terminal is connected to the financial institution system via a communication line, and the account of the trader is accounted for using the electronic wallet held by the trader. An account balance information acquisition unit for acquiring balance information, and a balance transfer instruction amount receiving unit for receiving information on an amount (transfer instruction amount) to be transferred to an electronic wallet out of the account balance of the trader from the input device of the terminal; Determining whether or not the received transfer instruction amount exceeds an account balance, and if not, the money information writing unit for storing the transfer instruction amount as money information in the electronic wallet, and using the electronic wallet Deal Date and Amount and balance after transaction Transaction history information including And a balance information writing unit for storing in the electronic wallet, the central processing unit is written in the electronic wallet Transaction history information Received from the terminal and stored in the transaction history information storage unit, and stored in the transaction history information storage unit after a predetermined period of time Within a given period Based on the transaction history information, For all transactions, the pre-transaction balance (the post-transaction balance of the previous transaction) and the transaction amount Balance after transaction When The transition of All transactions depend on consistency Chronologically Continuous A consistency judgment unit for judging whether or not All transactions within a specified period When it is determined that the transition of the balance is consistent, the settlement processing unit of the central processing unit Last transaction Transactions After balance and the transfer instruction amount The difference of Settlement amount As Calculate and financial institution system On the other hand, a settlement system is provided that includes a settlement processing unit that outputs instruction information for transferring funds between a transaction account and a business account for the settlement amount.
[0014]
According to such a configuration, a payment system that can realize the above-described payment processing method can be obtained.
[0017]
The other features and remarkable effects of the present invention can be understood more clearly by referring to the description of the following embodiments of the present invention and the attached drawings.
[0018]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
First, an overall configuration of a system according to the present invention will be described with reference to FIG. In this example, an embodiment is described in which an electronic wallet is configured by storing all or part of the balance information of a bank account of a betting ticket buyer who is a trader in an IC card, and the betting ticket is purchased using this balance information. To do.
[0019]
An IC card as an electronic wallet according to the present invention is indicated by reference numeral 1 in this figure. In this IC card 1, a predetermined amount is stored as money information 5 from the bank account 4 held by the betting ticket buyer 2 in the financial institution 3, and the betting ticket information 6 (the betting ticket) purchased using this money information 5. Itself) is stored. The IC card 1 also stores information on betting ticket purchaser ID 7, money information expiration date 8, and card expiration date 9.
[0020]
The betting ticket purchaser ID 7 is for associating the IC card 1 with the bank account 4 of the betting ticket purchaser 2. Moreover, the money information use time limit 8 is, for example, only on weekends (Saturday and Sunday) where horse racing is held. Payment of the betting ticket purchase amount and refund amount within this holding period will be made after the end of the holding period and after the expiration date 8 has expired, the bank account 4 of this betting ticket purchaser 2 and the horse racing organizer (Japan Central Horse Racing etc.) This is done by transferring funds to and from the bank account 10. The IC card expiration date 9 is set in a relatively short period of time, such as March or 1 year, in order to prevent fraud.
[0021]
Moreover, what is shown by the code | symbol 11 in this figure is the betting ticket purchase information management system installed in a racetrack or an out-of-field betting ticket counter. The betting ticket purchase information management system 11 includes a central processing unit 12 connected to the financial institution 3 and a plurality of betting ticket purchasing terminals 13 (hereinafter abbreviated as “terminal 13”) connected to the central processing unit 12. It is configured.
[0022]
The central processing unit 12 receives the money information 5 stored in the IC card 1 of each betting ticket purchaser 2 and the betting ticket information 6 purchased by the betting ticket purchaser 2 using the IC card 1 from the terminal 13. Stored in the transaction information storage unit 14. The central processing unit 12 determines the legitimacy of betting ticket transactions (purchasing and cashing) using the IC card 1 based on the stored transaction information after the end of the horse racing period.
[0023]
The terminal 13 reads the money information 5 and the like from the IC card 1 and transmits the money information 5 to the central processing unit 12 and pays back the payout of the hit betting ticket to the IC card 1. In the following, purchase of a betting ticket and receipt of a refund (exchange) will be described as a transaction relating to a betting ticket.
[0024]
In order to make the IC card 1 usable as an electronic wallet as described above, in this embodiment, when the terminal 13 first receives the IC card 1 from the betting ticket purchaser 2 during the horse racing period, the IC card 1 is used. Processing for activating 1 as an electronic wallet is performed. Specifically, the amount (money information 5) designated by the betting ticket purchaser 2 from the balance of the bank account 4 of the betting ticket purchaser 2 and the expiration date 8 of this amount are installed in the IC card 1. In this case, as in the case of deposit withdrawal, the betting ticket purchaser 2 inputs the personal identification number of the bank account 4 to confirm the identity. The central processing unit 12 performs processing related to betting ticket purchase information processing (voting rate) and refunds, but these functions and configurations are well known in the art. Omitted.
[0025]
Next, the configuration of the central processing unit 12 that performs settlement related to the betting ticket using the electronic wallet as described above will be described with reference to FIG.
[0026]
As shown in FIG. 2, the central processing unit 12 includes a data storage unit 20 and a program storage unit 21 in a bus 19 to which a CPU 15, a RAM 16, a communication device 17 such as a modem, and an input / output device 18 are connected. Yes.
[0027]
First, the data storage unit 20 includes a betting ticket purchaser information storage unit 22 and the transaction information storage unit 14.
[0028]
The betting ticket purchaser information storage unit 22 stores information such as a purchaser ID, which is unique information of the betting ticket purchaser 2 (IC card 1), an expiration date 9 of the IC card 1, and the like. These pieces of information are set based on prior application from the betting ticket purchaser 2 or the like.
[0029]
In the transaction information storage unit 14, transaction history information 23 regarding purchase and refund of betting tickets and expiration date 24 of money information in the IC card 1 are stored in association with the ID of the betting ticket purchaser 2. Is. The transaction history information 23 includes, for example, information as shown in FIG.
[0030]
FIG. 3 is a conceptual diagram showing a specific example of the transaction history information 23.
The transaction history information 23 includes a transaction number 30 continuously assigned to each transaction, a pre-transaction balance 31, a transaction amount 32, a post-transaction balance 33, a transaction type 34, and the betting ticket of the transaction. Information 35 is included.
[0031]
In this figure, the transaction of transaction number n = 1 indicates that the IC card 1 stores part or all of the balance from the bank account 4 of the betting ticket purchaser 2 as money information 5 and activates the IC card 1. Yes. In this example, 10,000 yen from the bank account 4 is stored in the IC card 1, and the transaction amount Tn is 10,000 yen. The horse race purchaser 2 can use the 10,000 yen to purchase a betting ticket during the period of the horse race. In transactions other than transaction number n = 1, transactions with a negative transaction amount Tn (transaction numbers n = 2, 3) are purchases of betting tickets, and transactions with a positive transaction amount Tn (transaction number n = 4) are Each of them shows a refund of the ticket. Such a transaction type can also be determined by referring to the transaction type 34 column.
[0032]
In addition, the betting ticket information 35 includes a start date 36, a venue 37 (in the case of a central horse race, 10 places shown in the figure), a competition number 38, a betting ticket type 39, and a vote number 40. Yes.
[0033]
Here, when the betting ticket type 39 is “1: single win” or “2: double win”, the upper two digits are always “00” and the lower two digits indicate the horse number. . Further, when the betting ticket type 39 is “3: frame number consecutive win” or the like, the upper two digits and the lower two digits indicate a frame number or a horse number, respectively. For example, in the transaction with transaction number n = 2 in this figure, 2000 yen worth of the horse number 1 win is purchased in the first race held at the Nakayama Racecourse on October 6, 2001. Also, in the transaction with transaction number n = 3, in the 10th race held at the Kyoto Racecourse on October 7, 2001, you purchased 3000 yen of betting tickets with a combination of 2 frames and 5 frames in a consecutive frame number win. Yes. The betting ticket information 35 is appropriately referred to by a horse race organizer or the like when determining the legitimacy of a transaction after the end of the horse race period or during the event period.
[0034]
Next, as shown in FIG. 2, the program storage unit 21 has a main program 41, a betting ticket transaction using the IC card 1, balance information (money information 5) corresponding thereto, and the betting ticket information. 6 is a betting ticket information / balance information receiving unit 42 that receives 6 from the terminal 13 and a consistency determining unit that determines whether a change in the balance within the holding period matches the transaction amount in time series after the holding period of the horse race has elapsed. 43 and a settlement processing unit 44 that establishes and settles each transaction within the horse racing period when it is determined that the balance transition matches.
[0035]
The betting ticket information / balance information receiving unit 42 receives the betting ticket purchase and the payback information of the betting ticket output from the terminal 13 to the IC card 1 of the betting ticket purchaser 2, and the monetary information 5 before and after the transaction. This is received from the terminal 13 every time a transaction is made. The received information is stored in the transaction information storage unit 14 in association with the betting ticket purchaser ID 7.
[0036]
The consistency determining unit 43 searches the transaction information storage unit 14 with the betting ticket purchaser ID 7 to extract the betting ticket transaction information after the end of the period of the horse racing, sorts the transaction number 30, and sorts the transaction history information 23. It determines the continuity of (balance). Thus, by determining the continuity of all transactions during the horse racing period, it is possible to determine whether fraudulent activities such as falsification of information in the IC card 1 have been performed during this period.
[0037]
When the consistency determination unit 43 determines that all transactions during the period of the horse racing are valid, the settlement processing unit 44 asks the financial institution 3 for the account 4 of the betting ticket purchaser regarding these transaction amounts. A fund transfer command message with the account 10 of the horse race organizer is created and output to the financial institution 3.
[0038]
Each component described above is actually configured by a computer system and a certain area secured in a storage medium such as a hard disk provided in the computer system and a computer software program installed in this area. These components are configured to execute each function of the present invention by being appropriately called and executed by the CPU 15 in the RAM 16 or the like.
[0039]
Next, a schematic configuration of the terminal 13 will be described with reference to FIG.
The terminal 13 has a program storage unit 50 connected to a bus 49 to which a CPU 45, a RAM 46, a communication device 47 such as a modem, and a touch panel display 48 as an input / output device are connected. In the figure, reference numeral 51 denotes an insertion slot for the IC card 1 or a betting ticket purchase card (mark sheet card) (not shown).
[0040]
The program storage unit 50 includes a card information reading unit 52, a card expiration date determining unit 53, a monetary information expiration date determining unit 54, an activation processing unit 55, a betting ticket sales / refund processing unit 56, and a betting ticket information document. A loading unit 57, a balance information writing unit 58, a betting ticket information / betting ticket information / balance information transmission unit 59, a message output unit 60, and a card discharge instruction unit 61 are provided.
[0041]
The card information reading unit 52 reads information such as the money information 5 and the betting ticket information 6 from the IC card 1 and the betting ticket purchase card inserted into the card insertion slot 51 by the betting ticket purchaser 2 (see FIG. 1). .
[0042]
The card expiration date determination unit 53 determines whether the expiration date of the IC card 1 has elapsed based on the card expiration date 9 read by the card information reading unit 52.
[0043]
The activation processing unit 55 performs a predetermined process to activate the IC card 1 as an electronic wallet before or during the horse racing period, and includes a balance transfer instruction amount receiving unit 62, An account balance information acquisition unit 63, a monetary information / expiration date writing unit 64, and a settlement reservation notification unit 65 are provided.
[0044]
The balance transfer instruction amount receiving unit 62 receives information on the amount that the betting ticket purchaser 2 wants to transfer to the IC card 1 out of the balance of the bank account 4 from the touch panel 48. When transferring the balance information, the betting ticket purchaser 2 inputs the personal identification number of the bank account 4 to confirm the identity. The account balance information acquisition unit 63 notifies the financial institution 3 of the ID of the betting ticket purchaser 2 or the IC card 1 and acquires information of the account balance 4. The money information / expiration date writing unit 64 stores money information of the amount instructed by the betting ticket purchaser 2 and information on the expiration date in the IC card 1. The settlement reservation notifying unit 65 notifies the financial institution 3 of a settlement reservation for money information (transfer amount) stored in the IC card 1.
[0045]
In this way, the money information and its expiration date are stored in the IC card 1, so that the IC card 1 is activated as an electronic wallet. When the IC card 1 is activated, the terminal 13 dials up or connects to the system of the financial institution 3 to acquire balance information of the betting ticket purchaser's account 4 as well as the financial institution 3. The settlement instruction for the transfer instruction amount is made.
[0046]
The betting ticket sales / refund processing section 56 performs predetermined processing for selling betting tickets based on the betting ticket purchase information read from the betting ticket purchase card, or for paying out the payout of the hit betting ticket. When the betting ticket sales / refund processing unit 56 performs betting ticket sales and refund processing, the transaction information is transmitted to the central processing unit 12. The central processing unit 12 that has received the information performs predetermined processing such as counting of odds as in the conventional case. In this embodiment, instead of issuing a magnetic recording paper on which betting ticket information is recorded, the betting ticket information writing unit 57 writes the betting ticket information as shown in FIG. 1 is also used as a betting ticket, and issuance of betting tickets is unnecessary.
[0047]
Therefore, the IC card 1 has a sufficient area for storing the betting ticket information within the expiration date 8 of the money information. For example, the number of records (storage area) for registering the transaction history 23 (see FIG. 3) is preferably about 300 records, for example, 15 races / day × 10 ways × 2 days.
[0048]
The balance information writing unit 58 writes the balance (33 in FIG. 3) after the transaction (purchase of betting ticket and receipt of refund) performed by the betting ticket purchaser 2 using the IC card 1 into the IC card 1. It is.
[0049]
The betting ticket information, betting ticket information and balance information transmission unit 59 transmits to the central processing unit 12 money information 5 (balance information 33) written in the IC card 1 and transaction history information 23 regarding purchase and refund of betting tickets. is there. The central processing unit 12 stores the received information in the transaction information storage unit 14 and determines the legitimacy of the transaction after the end of the horse racing period based on this information.
[0050]
The message output unit 60 causes the display 48 to display a predetermined message such as a shortage of balance or expiration of a card.
[0051]
The card ejection instructing unit 61 is for ejecting the IC card 1 from the card insertion slot 51 after predetermined processing is completed for the inserted IC card 1.
[0052]
Each component described above is actually configured by a computer system and a certain area secured in a storage medium such as a hard disk provided in the computer system and a computer software program installed in this area. These components are configured to execute each function of the present invention by being appropriately called and executed by the CPU 45 in the RAM 46 or the like.
[0053]
Hereinafter, detailed functions of the system of the present invention will be described together with actual operations with reference to FIGS. In addition, S1-S38 of these figures is a code | symbol which shows a process order, and respond | corresponds to step S1-S38 of the following description.
[0054]
First, a process of activating the IC card 1 as an electronic wallet will be described with reference to FIG.
[0055]
First, when the terminal 13 receives the IC card 1, the card information reading unit 52 acquires the money information 5, the betting ticket purchaser ID 7, the money information expiration date 8, and the expiration date 9 of the IC card 1 (step S1). ).
[0056]
Next, the card expiration date determination unit 53 determines whether the expiration date 9 of the accepted IC card 1 has passed (step S2). If the card expiration date has not elapsed, the money information expiration date determination unit 54 determines whether the money information expiration date 8 acquired in step S1 has elapsed (step S3).
[0057]
When the money information expiration date 8 has passed, it is determined that the IC card 1 needs to be activated (step S4), and the account balance information acquisition unit 63 receives the account balance information of the betting ticket purchaser 2 from the financial institution 3. Is received (step S5). Even when the information on the money information 5 and the expiration date 8 cannot be read, such as when the IC card 1 is used for the first time as an electronic wallet, the money information expiration date determination unit 54 needs to activate the IC card 1. Determine.
[0058]
Next, the balance transfer instruction amount receiving unit 62 receives information on money transferred from the betting ticket purchaser 2 to the IC card 1 from the bank account 4 (step S6). This monetary information is entered on the touch panel on the display 48.
[0059]
Next, the monetary information / expiration date writing unit 64 determines whether or not the transfer amount instructed by the betting ticket purchaser 2 has exceeded the account balance (step S7). Is substituted for 0 (step S8). If the account balance is exceeded, the message output unit 60 outputs a message indicating insufficient balance and prompts the betting ticket purchaser 2 to input the transfer instruction amount again (step S9).
[0060]
Next, the money information / expiration date writing unit 64 writes the money information and the expiration date (in this embodiment, two days on Saturday and Sunday) to the IC card 1 (step S10). Thereby, the IC card 1 can be used as an electronic wallet.
[0061]
Further, the settlement reservation notifying unit 65 notifies the financial institution 3 of a settlement reservation for the amount stored in the IC card 1 (step S11).
[0062]
Finally, the betting ticket information, betting ticket information and balance information transmission unit 59 transmits the money information 5 stored in the IC card 1 and the expiration date information 8 to the central processing unit 12, and ends this processing. (Step S12).
[0063]
On the other hand, if it is determined in step S2 that the expiration date of the IC card 1 has elapsed, the message output unit 60 outputs a message indicating that the expiration date has elapsed, and the card ejection instruction unit 61 ejects the card. (Steps S13 and S14).
[0064]
If the expiration date 8 of the monetary information stored in the IC card 1 has not passed in step S3, it is determined that the IC card 1 has already been activated, and this process is terminated ( Step S15).
[0065]
Note that the steps S1 to S3 are the same as each time the IC card 1 is inserted, and therefore the description thereof will be omitted in the following other processing steps.
[0066]
Further, when the balance of the IC card 1 is increased during the period of the horse racing, it can be performed by substantially the same processing steps as described above. In this case, since the expiration date 8 of the money information has not elapsed, it is determined that the activation has been completed in the steps S3 and S15. Therefore, an operation button for “increase in IC card balance” is prepared on the display 48 of the terminal 13, and when this button is selected, the account balance information acquisition unit even if the expiration date has not passed. Preferably, 63 is configured to receive the account balance information of the betting ticket purchaser 2 from the financial institution 3.
[0067]
Next, with reference to FIG. 6, the process process in the case of selling a betting ticket to the betting ticket purchaser 2 is demonstrated.
[0068]
First, when the IC card 1 and the betting ticket purchase card are received, the card information reading unit 52 of the terminal 13 reads the betting ticket information (see 35 in FIG. 3) and the purchase amount (step S16).
[0069]
Next, the betting ticket sales / refund processing unit 56 compares the purchase amount acquired in step S16 with the monetary information 5 stored in the IC card 1 (step S17). The following processing for determining that sales are possible and storing the betting ticket information in the IC card 1 is executed. That is, the balance information writing unit 58 acquires the previous transaction number (n) stored in the IC card 1 (step S18), and increments the transaction number n (step S19). Then, the purchase amount of the betting ticket and the balance after purchase (see 32 and 33 in FIG. 3) are stored in the IC card 1 in association with the incremented transaction number n (step S20).
[0070]
Next, the betting ticket information / balance information transmitting unit 59 transmits the same information as the betting ticket purchase amount stored in the IC card 1 to the central processing unit 12 (step S21). The central processing unit 12 stores the received information in the transaction information storage unit 14, and determines the legitimacy of the transaction based on this information after the period of the horse race is over.
[0071]
Further, the betting ticket information writing unit 57 stores detailed betting ticket information as indicated by 35 in FIG. 3 in the IC card 1 (step S22). Thereby, since the IC card 1 itself can be used as a betting ticket, it is not necessary to issue a betting ticket of magnetic recording paper.
[0072]
Next, the betting ticket information / balance information transmitting unit 59 transmits the betting ticket information 6 stored in the IC card 1 to the central processing unit 12 (step S23). Based on the received information, the central processing unit 12 performs a predetermined process such as counting of odds as in the prior art.
[0073]
On the other hand, if it is determined in step S17 that the purchase amount exceeds the balance, the message output unit 60 outputs a message indicating insufficient balance (step S24).
[0074]
Finally, the card discharge instructing unit 61 instructs the discharge of the IC card 1 and ends this process (step S25).
[0075]
Next, with reference to FIG. 7, the process of paying out the payout of the hit betting ticket to the electronic wallet will be described.
[0076]
First, the card information reading unit 52 reads the purchased betting ticket information 6 from the IC card 1 (step S26). For the read betting ticket information 6, it is determined whether the betting ticket sales / refund processing unit 56 is correct (step S27).
[0077]
If it is determined that it is correct, the betting ticket sales / refund processing unit 56 calculates a refund amount for the betting ticket information based on the purchase amount and the determined refund rate (step S28). The balance information writing unit 58 obtains the previous transaction number (n) stored in the IC card 1 (step S29), and increments the transaction number n (step S30). Then, information related to the refund (refer to the transaction of transaction number = 4 in FIG. 3) is stored in the IC card 1 in association with the incremented transaction number n (step S31).
[0078]
Further, the betting ticket information / balance information transmitting unit 59 transmits the refund information stored in the IC card 1 to the central processing unit 12 and ends this processing (step S32). The central processing unit 12 stores this refund information in the transaction information storage unit 14 as in the case of the betting ticket purchase information, and refers to it when determining the legitimacy of the transaction.
[0079]
Next, with reference to FIG. 8, the process after the holding period of a horse racing is demonstrated.
[0080]
First, when the holding period of the horse race ends, the consistency determination unit 43 of the central processing unit 12 stores the transaction history information 23 (see FIG. 3) during the holding period stored in the transaction information storage unit 14. Sort by transaction number 30 for each ID (step S33).
[0081]
Next, the consistency determination unit 43 determines whether or not the transaction number 30 is continuous (step S34), and if it is continuous, further determines the continuity of the transaction history (balance information) (step S35). ). For example, even if the transaction numbers 30 are continuous, it is determined that there is no continuity when the balances 31, 33 before and after the transaction and the transaction amount 32 do not match. At this time, the consistency between the purchased betting ticket information and the hit betting ticket information may be determined by referring to the betting ticket information (35 in FIG. 3).
[0082]
If all the transaction histories are continuous, it is determined that all transactions are valid (step S36), and the settlement processing unit 44 settles the balance after the last transaction and the amount reserved for settlement. A settlement (fund transfer) is instructed to the financial institution 3 for the settlement amount (step S37). For example, if the payment reservation amount (the amount transferred from the account balance to the IC card 1) is 10,000 yen and the balance after the final transaction increases to 15,000 yen, the increased 5,000 yen An instruction is given to transfer funds from the horse race organizer's account 10 to the betting ticket purchaser's account 4.
[0083]
As described above, since all transactions during the period of horse racing can be settled in a lump, computer resources in the financial institution 3 can be saved, and settlement processing can be performed at high speed.
[0084]
On the other hand, if it is determined in step S34 and step S35 that the transaction number 30 or the transaction history is not continuous, both are determined to be fraudulent transactions (step S38). That is, it is determined that the monetary information 5 or the betting ticket information 6 has been tampered with at any point during the horse racing period, and this processing is terminated. Therefore, the balance of the account 4 of the betting ticket purchaser of the financial institution 3 remains the balance before the holding period. As a result, even if information on the IC card 1 (electronic wallet) is altered, altered, and refunded to the IC card 1, it is not reflected in the bank account. Therefore, it is possible to effectively prevent a person (including the person himself) who has performed such fraud from obtaining an undue profit.
[0085]
In addition, this invention is not limited to said embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.
[0086]
For example, in the above-described embodiment, the expiration date of the balance information is set as the horse racing period, but is not limited thereto. For example, you can set an expiration date for each transaction such as 2 days from the previous transaction, set an expiration date across multiple sections (weekends), and any period (only the first day) , Only in the afternoon, etc.). In addition to the expiration date, the balance information can be limited to a specific race (such as a heavy prize race) or a specific venue (such as a Nakayama racetrack).
[0087]
In addition, the bank account is also used as a dedicated telephone voting account that has been used in the past, and this system is linked to a telephone voting system, so that transactions can be made on either the terminal 13 or telephone voting during the event period. You may make it accept.
[0088]
In the above embodiment, the betting ticket information is also stored in the IC card 1 so that both the electronic wallet and the betting ticket are used. Of course, it is possible to store only the transaction history and use the electronic wallet alone. .
[0089]
In addition, when the amount of information to be stored is small, a medium other than an IC card that can read and write information electronically or magnetically can be used.
[0090]
Further, in the above embodiment, when it is determined that the transaction is illegal, the settlement is not performed for all the transactions during the holding period (step S38 in FIG. 9), but the continuity of the transaction number is interrupted. Only transactions after the point in time can be determined to be fraudulent. As a result, for example, when the information in the IC card 1 is altered by another person during the holding period, the transaction performed by the principal before the alteration is valid can be settled.
[0091]
Moreover, although said embodiment demonstrated the example of the betting ticket transaction during the holding period of a horse race, it is not limited to this. Transactions of other voting tickets and lotteries such as bicycle races, boat races, auto races, and products / services for a limited period of time. After determining the legitimacy (continuity) of the transaction at a later date, payment of goods and products, etc. The present invention can be applied as long as it is provided.
[0092]
Furthermore, in the above embodiment, only the amount that the betting ticket purchaser 2 has instructed to transfer funds is stored in the IC card 1 among the account balances of the betting ticket purchaser 2, but the entire account balance is stored in the IC card. 1 may be stored. In this case, the account balance at a predetermined reference time such as the night before the first day of the horse racing period is stored in the IC card 1 in the activation process of the IC card 1. In such an example, after the predetermined reference time, the financial institution 3 preferably does not accept deposits / withdrawals to this account until the central processing unit 12 instructs to settle the transaction amount after the holding period.
[0093]
Further, when the balance information of the bank account is stored in the IC card 1 and activated, the balance information may be withdrawn in the same manner as a normal deposit withdrawal using a cash card. In this case, it is preferable that the betting ticket purchase terminal 13 is used only for purchasing betting tickets and paying back a betting ticket, and storing balance information in the IC card 1 is performed by a dedicated terminal capable of reading a cash card. .
[0094]
Further, after determining the consistency of the transaction after the end of the horse racing period, a part of the balance after the final transaction stored in the IC card 1 may be paid back in cash. Furthermore, you may make it pay | pay out a part of balance with cash after confirming the consistency of the transaction so far during a horse racing period. In this case, payout of cash is also stored in the IC card 1 and the transaction information storage unit 14 as a kind of transaction. Thereby, for example, it becomes possible to eat and drink in the racetrack and purchase various goods, and the usability as an electronic wallet can be improved.
[0095]
【The invention's effect】
As described above, according to the present invention, when a voting ticket is purchased or reimbursed using an electronic wallet at a voting ticket office such as a horse race or a bicycle race, fraud such as falsification or alteration of the electronic wallet is performed. A method that can reliably prevent actions at low cost as well as A system can be provided.
[Brief description of the drawings]
FIG. 1 is a conceptual diagram showing the overall configuration of the present invention.
FIG. 2 is a block diagram showing a schematic configuration of a central processing unit according to the present invention.
FIG. 3 is a conceptual diagram showing transaction history information and betting ticket information.
FIG. 4 is a block diagram showing a configuration of a terminal.
FIG. 5 is a flowchart showing a process of activating an electronic wallet.
FIG. 6 is a flowchart showing processing steps when selling a betting ticket using an electronic wallet.
FIG. 7 is a flowchart showing processing steps for paying out dividends to the electronic wallet.
FIG. 8 is a flowchart showing a process of determining the legitimacy of a transaction after the holding period has elapsed.
[Explanation of symbols]
1 ... IC card
2 ... betting ticket buyer
3. Financial institutions
4 ... Bank account of the betting ticket buyer
5. Money information
6 ... betting ticket information
7 ... Horse ticket purchaser ID
8 ... Money information expiration date
9 ... Card expiration date
10 ... Bank account of the horse race organizer
11 ... betting ticket purchase information management system
12 ... Central processing unit
13 ... Terminal for purchasing betting tickets
14 ... Transaction information storage
15 ... CPU
16 ... RAM
17 Communication device
18 ... I / O device
19 ... Bus
20: Data storage unit
21 ... Program storage unit
22 ... betting ticket purchaser information storage
23 ... Transaction history information
24 ... Expiration date
31 ... Balance before transaction
32 ... Transaction amount
33 ... Balance after transaction
34 ... Transaction type
35 ... Ballet information
37 ... Venue
39 ... Type of betting ticket
41 ... Main program
42 ... betting ticket information and balance information receiving section
43 ... consistency judgment part
44. Settlement processing section
45 ... CPU
46 ... RAM
47. Communication device
48 ... Display
49 ... Bus
50. Program storage unit
51 ... Card insertion slot
52. Card information reading unit
53 ... Card expiration date discrimination part
54 ... Money information expiration date determination part
55. Activation processing section
56 ... Ball ticket sales / refund processing department
57 ... Ballet information writing part
58. Balance information writing section
59 ... betting ticket information / balance information transmission part
60 ... Message output section
61 ... Card discharge instruction section
62 ... Balance transfer instruction amount receiving part
63 ... Account balance information acquisition part
64 ... expiration date writing part
65. Settlement reservation notification part

Claims (12)

The transaction is executed by a settlement system including a central processing unit and a terminal connected to the central processing unit and a financial institution system, and provides goods and services to the trader having an account with the financial institution and the trader. A method for settlement of charges for transactions conducted between business operators (operators) using an electronic wallet owned by the business operators,
The account balance information acquisition unit of the terminal is connected to the financial institution system via a communication line, and acquires account balance information acquisition step of acquiring information of the account balance of the trader,
A balance transfer instruction amount receiving step for receiving information on an amount (transfer instruction amount) to be transferred to the electronic wallet out of the balance of the account of the transaction from the input device of the terminal;
The money information writing unit of the terminal determines whether or not the received movement instruction amount exceeds the account balance, and if not, stores the movement instruction amount as money information in the electronic wallet. Embedding process,
A transaction information writing step in which the balance information writing unit of the terminal stores transaction history information including the date and amount of the transaction using the electronic wallet and the balance after the transaction in the electronic wallet;
A transaction history information storage step in which the balance information receiving unit of the central processing unit receives transaction history information written in the electronic wallet from the terminal and stores it in a transaction history information storage unit;
Consistency determination unit of the central processing unit, after a predetermined period of time has elapsed, the based on transaction history information in the transaction history information storage unit stored the within a predetermined time period, for all transactions within the predetermined time period, pre-trade balance depending on whether the transition of the (before post-trade balance of the transaction) and the transaction amount and the post-trade balance is consistent, and the consistency determination step that all of the transactions to determine the Luke-consecutive time series,
When it is determined that the transition of the balance is consistent for all transactions within a predetermined period, the settlement processing unit of the central processing unit calculates a balance between the post- transaction balance of the last transaction within the predetermined period and the transfer instruction amount . A settlement process that calculates a difference amount as a settlement amount and outputs to the financial institution system a settlement process that outputs information on funds transfer between the transaction account and the operator account for the settlement amount. Method. The method of claim 1, wherein
A settlement method, wherein an expiration date is set for the balance. The method of claim 2, wherein
The payment method, wherein the expiration date is the predetermined period. The method of claim 1, wherein
In the monetary information writing step, the monetary information writing unit of the terminal stores the movement instruction amount (monetary information) and its expiration date in an electronic wallet before or during the predetermined period. A settlement method characterized by activating the money information and making the electronic wallet available. The method of claim 1, wherein
The electronic wallet stores transaction information for each transaction. The method of claim 5, wherein
The transaction is a lottery,
The transaction information is information for converting a lottery and storing it in an electronic wallet. This transaction consists of a central processing unit and a terminal connected to the central processing unit and the system of the financial institution. A system for payment using an electronic wallet
The terminal
An account balance information acquisition unit that connects to the financial institution system via a communication line, and acquires information on the account balance of the trader;
A balance transfer instruction amount receiving unit for receiving information of an amount (transfer instruction amount) to be transferred to the electronic wallet out of the balance of the account of the transaction from the input device of the terminal;
Determining whether the received movement instruction amount does not exceed the account balance, and if not, the money information writing unit for storing the movement instruction amount as money information in the electronic wallet;
A balance information writing unit for storing transaction history information including the date and amount of the transaction using the electronic wallet and the balance after the transaction in the electronic wallet,
The central processing unit is
A balance information receiving unit that receives transaction history information written in the electronic wallet from the terminal and stores it in a transaction history information storage unit;
After a predetermined period , based on the transaction history information stored in the transaction history information storage unit within the predetermined period, for all transactions within the predetermined period, the balance before transaction (the balance after the previous transaction) and the transaction depending on whether the changes in the amount and the post-trade balance is consistent, and the consistency determination unit that all of the transactions to determine the Luke-consecutive time series,
When it is determined that the transition of the balance is consistent for all transactions within a predetermined period, the settlement processing unit of the central processing unit calculates a balance between the post- transaction balance of the last transaction within the predetermined period and the transfer instruction amount . to calculate the difference as the settlement amount, with respect to the financial institution system, it is characterized in that a settlement processing unit configured to output the instruction information of the transfer of funds between this settlement amount trader account and business account Payment system. The system of claim 7, wherein
An expiration date is set for the balance. The system of claim 8, wherein
The payment system, wherein the expiration date is the predetermined period. The system of claim 7, wherein
The money information writing unit activates the money information by storing the movement instruction amount (money information) and its expiration date in the electronic wallet before or during the predetermined period. A featured payment system. The system of claim 7, wherein
The payment system characterized in that the electronic wallet stores transaction information of each transaction. The system of claim 11, wherein
The transaction is a lottery,
The transaction system is information for converting a lottery and storing it in an electronic wallet.

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