JP5012037B2 - Electronic money charging machine - Google Patents

Description

  The present invention relates to an electronic money charging machine that charges a recording medium with electronic money that enables payment related to purchase of goods and provision of services.

  In recent years, electronic money (money value information) is recorded on a recording medium such as a non-contact IC card or a mobile phone, and payment related to purchase of goods and provision of services is performed using the electronic money recorded on the recording medium. Is popular. In this type of recording medium, if the balance of the recorded electronic money becomes small, payment related to product purchases and service provisions cannot be made, so it is necessary to charge (add) electronic money to the recording medium. In order to charge the electronic money, an electronic money charging machine that charges electronic money corresponding to inserted cash (banknotes or coins) to a recording medium is widely used. In such an electronic money charging machine, if the electronic money can be charged in a state in which the recording medium is presented without taking the recording medium into the electronic money charging machine, it is flat like a non-contact IC card. In addition to a recording medium, a three-dimensional recording medium such as a mobile phone can be charged with electronic money (see, for example, Patent Document 1).

JP 2003-36466 A

  However, during the period from when the recording medium is presented to when the electronic money is charged, there may occur a situation where the recording medium is removed from the range where the electronic money can be charged or the recording medium is replaced.

  In view of the above circumstances, an object of the present invention is to provide an electronic money charging machine capable of reliably charging electronic money to an intended recording medium.

In order to achieve the above object, an electronic money charging machine according to claim 1 of the present invention provides a recording medium presented based on a charge command notified when an authentication request for the presented recording medium is approved. An electronic money charging machine for charging electronic money to a reading means for reading the identification information from the recording medium presented at the time of authentication request and rereading the identification information from the recording medium presented when the charge command is notified; , a charge means for charging the electronic money to the recording medium presented when the identification information and the identification information read at the time of authentication request matches the read when the charge command is notified, but the charge instruction is notified recording medium when the identification information can not be read from it and a presentation request notifying means for notifying the requesting presentation of the recording medium And features.

According to a second aspect of the present invention, there is provided an electronic money charging machine for charging electronic money to a recording medium presented based on a charge command notified when an authentication request for the presented recording medium is approved. In the money charging machine, while reading the identification information from the recording medium presented at the time of the authentication request, the reading means for re-reading the identification information from the recording medium presented when the charge command is notified, and the charge command is notified The charging means for charging electronic money to the presented recording medium when the identification information read at the time of the authentication and the identification information read at the time of the authentication request match, and the identification information read when the charge command is notified and the information read at the time of the authentication request. If the identification information does not match, a notification is given to request replacement to the recording medium presented at the time of authentication request. Characterized in that a replacement request notification means that.

  The electronic money charging machine according to the present invention reads the identification information from the recording medium presented at the time of the authentication request, while reading the identification information again from the recording medium presented when the charge command is notified, and the charge command notifies Since the electronic money is charged to the presented recording medium when the identification information read at the time of authentication matches the identification information read at the time of authentication request, the electronic money can be reliably charged to the intended recording medium .

  Exemplary embodiments of an electronic money charging machine according to the present invention will be described below in detail with reference to the accompanying drawings. Note that the present invention is not limited to the embodiments.

  FIG. 1 is a block diagram showing a configuration of an electronic money charge system to which an electronic money charge machine according to an embodiment of the present invention is applied. FIG. 2 is a conceptual diagram of the electronic money charge machine according to an embodiment of the present invention. FIG. 3 is a block diagram showing a configuration of the electronic money charging machine shown in FIG. 2.

  The electronic money charging machine described in the present embodiment is charged with electronic money by cash settlement (hereinafter referred to as “cash charging”), electronic money charging by credit (credit) given by a credit company (financial institution) ( Hereinafter, it is possible to charge electronic money (hereinafter referred to as “debit charge”) by deposit and saving in a bank account (financial institution).

  Cash charge is for charging electronic money corresponding to inserted cash (for example, banknotes) to a recording medium such as a money card MC configured with a non-contact IC card or a mobile phone PH equipped with a non-contact IC chip. And the money for electronic money is settled immediately.

  Credit charge is to charge electronic money to the recording medium within the limit of credit limit (credit limit) given in advance by the credit company. The price of electronic money is reimbursed by the credit company, and the reimbursed price of electronic money Will be settled later. In the credit charge, a credit card CC is used for user authentication.

  The debit charge is for charging electronic money to a recording medium within the range of the deposit and saving balance of the bank account, and the price of the electronic money is settled immediately. In the debit charge, a debit card DC (cash card) is used for user authentication.

  As shown in FIG. 1, an electronic money charger 1 according to an embodiment of the present invention includes a credit server 7 of a credit company, a bank debit via a dedicated line, a network (LAN) or a wide area network (WAN). The server 8 is connected to an electronic money server 9 of an electronic money management company. In the case of cash charging, information is transmitted and received between the electronic money charging machine 1 and the electronic money server 9, and in the case of credit charging, a credit server is provided between the electronic money charging machine 1 and the credit server 7. 7 and information is transmitted and received between the electronic money server 9 and the electronic money server 9. In the case of debit charging, information is transferred between the electronic money charging machine 1 and the debit server 8, between the debit server 8 and the electronic money server 9, and between the electronic money server 9 and the electronic money charging machine 1. Sent and received.

  As shown in FIG. 2, the electronic money charger 1 according to the embodiment of the present invention includes a main body cabinet 11 and a front door 12. The main body cabinet 11 is configured by appropriately combining steel materials, and has a box shape with an open front surface. The front door 12 has a size sufficient to close the front opening of the main body cabinet 11, and is configured by appropriately combining steel materials.

  Locking means 13 is provided between the main body cabinet 11 and the front door 12. The locking means 13 is capable of switching between locking and unlocking when operated by inserting a key from the key hole, and prevents the front door 12 from opening and moving relative to the main body cabinet 11 in the locked state, while in the unlocked state. The front door 12 is opened and moved with respect to the main body cabinet 11.

  On the front door, there are a guide operation unit 20 including a display unit 21 and an input unit 22, a bill insertion slot 30, a bill return port 31, a money card / mobile phone set unit 40, a credit / debit set unit 50, and a receipt issue port 60. Is provided.

  The display unit 21 is a part that guides the operation to the user and displays necessary information, and is configured by a liquid crystal panel, for example. The input unit 22 is used to input information required by the electronic money charging machine 1. For example, the region displayed in the operation scene of the display unit 21 (for example, a charge amount display region, a numeric keypad display region, a cancel display) The touch panel is configured by a touch panel capable of inputting information by touching the area.

  The bill insertion slot 30 is an opening for a user to insert a bill. The bill inserted through the bill insertion slot 30 is identified in the bill validator 32 (see FIG. 3), and then stored in the bill validator 32. The bill insertion slot 30 also functions as a bill return port for returning bills that could not be identified in the bill validator 32.

  The banknote return port 31 is an opening for delivering a bill (banknote) paid out from the bill validator 32 to a user. The user can receive the fishing bill paid out from the bill return slot 31.

  The money card / mobile phone set unit 40 is for transmitting / receiving identification information and balance information to / from the money card MC or mobile phone PH set (presented) by the user. The identification information and balance information of the money card MC or mobile phone PH set in the unit 40 is read by the reader / writer 41 (see FIG. 3). Balance information is written.

  The credit / debit set unit 50 is used to transmit / receive identification information to / from the credit card CC or debit card DC set by the user, and the card identification information set in the credit / debit set unit 50. Is read by the reader / writer 51 (see FIG. 3).

  The receipt issuing port 60 is an opening for issuing a receipt. In the printer 61 (see FIG. 3), the issued receipt is discharged from the receipt issuing port 60 to the outside.

  As shown in FIG. 3, the display unit 21, input unit 22, bill validator 32, reader / writer 41, and printer 61 described above are connected to the main control unit 62. The main control unit 62 controls these in an integrated manner, and can limit electronic money charged to the money card MC or the mobile phone PH.

  A communication unit 63 is connected to the main control unit 62. As shown in FIG. 1, the communication unit 63 is connected to the electronic money server 9 via a dedicated line, a network (LAN), or a wide area network (WAN).

  The electronic money charging machine 1 configured as described above can transmit an authentication request to the credit server 7, the debit server 8, or the electronic money server 9, and can receive a charge command from the electronic money server 9.

  The authentication request transmitted to the credit server 7 or the debit server 8 includes an electronic money charger terminal ID number, a credit card or debit card ID number, a personal identification number, a money card or mobile phone ID number (recording medium identification information). The charge amount is encrypted and transmitted to the credit server 7 or the debit server 8.

  On the other hand, the authentication request transmitted to the electronic money server 9 includes the terminal ID number of the electronic money charging machine, the ID number of the money card or the mobile phone, and the charge amount, which are encrypted and transmitted to the electronic money server 9. .

  When the electronic money charging machine 1 is notified of the charge command from the electronic money server 9, the charge command is decrypted and the ID number of the set money card or mobile phone is read again. If the ID number of the money card or mobile phone read when the charge command is notified matches the ID number of the money card or mobile phone read at the time of authentication request, the money card MC or mobile phone based on the charge command Charge electronic money to phone PH.

  Here, when the charge command is notified, but the ID number cannot be read from the money card MC or the mobile phone PH, the display unit 21 displays a request to set (present) the money card MC or the mobile phone.

  Also, if the ID number of the money card or mobile phone read when the charge command is notified does not match the ID number of the money card or mobile phone read at the time of authentication request, it is set (presented) at the time of authentication request The display unit 21 displays a request for exchange with a money card or a mobile phone.

  The credit server 7 can receive the authentication request transmitted from the electronic money charger 1 and, when receiving the authentication request, decrypts and authenticates the authentication request. When the credit server 7 approves the authentication request, it transmits a charge request to the electronic money server, while when it rejects the authentication request, it returns a settlement impossible to the electronic money charge machine. Authentication is performed based on the credit card ID number, password, and charge amount included in the authentication request, and the identity of the user is authenticated (person authentication) by the credit card ID number and the charge amount. Whether the charge amount is within the credit limit is authenticated by the credit card ID number and the charge amount. The charge request is a terminal ID number of an electronic money charging machine, an ID number of a money card or a mobile phone, and these are encrypted and transmitted to the electronic money server 9.

  Similar to the credit server 7, the debit server 8 can receive the authentication request transmitted from the electronic money charger 1, and when receiving the authentication request, the debit server 8 decrypts and authenticates the authentication request. When the debit server 8 approves the authentication request, the charge request is transmitted to the electronic money server 9, while when the authentication request is rejected, the electronic money charge machine 1 is returned to the electronic money charging machine 1 that payment is impossible. The authentication is performed based on the ID number of the debit card, the password, and the charge amount included in the authentication request, and the identity of the user is authenticated (identification) by the ID number and the password of the debit card, The debit card ID number and the charge amount are used to authenticate whether the charge amount can be charged using an account deposit and savings. The charge request is a terminal ID number of an electronic money charging machine, an ID number of a money card or a mobile phone, and these are encrypted and transmitted to the electronic money server 9.

  The electronic money server 9 can receive the charge request transmitted from the credit server 7 or the debit server 8 and the authentication request transmitted from the electronic money charger 1, and when the charge request or the authentication request is received, The charge request or authentication request is decrypted and authenticated. When the electronic money server 9 approves the charge request or the authentication request as valid, it transmits a charge command to the electronic money charge machine 1, while when the electronic money server 9 denies that the charge command is invalid, the electronic money charge machine 1 To the effect that payment is not possible. The authentication is performed based on the charge request or the ID number of the money card or mobile phone included in the authentication request, and it is authenticated whether the ID of the money card is valid. The charge instruction is the terminal ID number of the electronic money charging machine 1, the ID number of the money card or the mobile phone, and the charge amount. After the money card or mobile phone ID number and the charge amount are encrypted, the electronic money charge is performed. Sent to the machine 1.

  Next, based on FIG. 4, the operation of the electronic money charging machine according to the embodiment of the present invention will be described. FIG. 4 is a flowchart for explaining the operation of the electronic money charging machine according to the embodiment of the present invention.

  On the operation screen of the guidance operation unit 20 of the electronic money charging machine 1, in a standby state, as shown in FIG. 5, “cash charge”, “credit charge”, “debit charge”, and “balance inquiry” are displayed. You can choose either from. Here, a credit charge will be described as an example.

  When the electronic money charging machine 1 is in the standby state, when “credit charge” is selected by touching the display area of “credit charge” displayed on the operation screen of the guidance operation unit 20 (step S1: Yes). ), The guidance operation unit 20 of the electronic money charger 1 transitions to an operation screen as shown in FIG. On this operation screen, in addition to a display requesting the setting (presentation) of a money card MC (for example, a display “Please set a money card”), information (for example, balance) referred to when charging electronic money Then, a display for inputting the charge amount of the electronic money (in FIG. 6, “¥ 1,000”, “¥ 3,000”, “¥ 5,000”, “¥ 10,000” numeric keypad) is displayed.

  When the money card MC or the mobile phone PH is set (presented) in the money card / mobile phone set unit 40 (step S2: Yes), the reader / writer 41 receives the ID number and the balance from the money card MC or the mobile phone PH. After reading the information, the electronic money charging machine 1 stores the read money card or mobile phone ID number (step S3) and displays the charge balance. Then, the guidance operation unit 20 of the electronic money charger 1 transitions to an operation screen as shown in FIG.

  On this operation screen, touch any one of the charge amount display areas (areas displayed as “¥ 1,000”, “¥ 3,000”, “¥ 5,000”, and “¥ 10,000” in FIG. 7). If the charge amount is input from the numeric keypad display area (step S4: Yes), the charge amount is fixed, and the charge amount and the balance after charging are displayed.

  After that, as shown in FIG. 8, a display requesting to set a credit card (for example, “Please set a credit card.”) Is displayed on the operation screen of the guidance operation unit 10. Request a credit card set (presentation).

  Here, when the credit card CC is set in the credit / debit setting unit 50 (step S5: Yes), as shown in FIG. 8, on the operation screen of the guidance operation unit 10, a display requesting input of a personal identification number is displayed. (For example, “Please enter your PIN”) is displayed, and the user is requested to enter the PIN.

  Here, when the user touches the numeric keypad display area of the operation screen of the guidance operation unit 20 to input a password (step S6: Yes), the credit server 7 is requested for authentication (step S7).

  The credit server 7 decrypts the authentication request received from the electronic money charger 1 and determines whether payment is possible (step S8). When the credit server 7 determines that payment is possible (step S8: Yes), a charge request is transmitted to the electronic money server 9. On the other hand, when the credit server 7 determines that payment is not possible (step S8: No), the electronic money charger 1 is notified that payment is not possible.

  The electronic money server 9 decrypts the charge request received from the credit server 7 and authenticates whether the money card MC or the mobile phone PH is valid (for example, determines whether or not it corresponds to a lost card). . When it is determined that the money card MC or the mobile phone PH is valid, the electronic money charger 1 is notified of a charge command.

  When the charge command is notified to the electronic money charge machine 1, the electronic money charge machine 1 decrypts the charge command and also receives the ID from the money card MC or the mobile phone PH set in the money card / mobile phone set unit 40. The number (identification information) is read again (step S9: Yes, step S10).

  If the ID number read again (identification information read when the charge command is notified) matches the stored ID number (identification information read when the authentication is requested) (step S11: Yes). Based on this charge request, electronic money is charged to the money card MC or the mobile phone PH (step S12). Note that during the period from the input of the password to the end of charging, a message indicating that charging is in progress (for example, “charging”) is displayed on the operation screen of the guidance operation unit 10, as shown in FIG.

  On the other hand, when the charge command is notified but the ID number cannot be read from the money card MC or the mobile phone PH (step S9: No), the display unit 21 is requested to set the money card MC or the mobile phone PH. Displayed (step S13).

  On the other hand, when the ID number read again (identification information read when the charge command is notified) and the stored ID number (identification information read at the time of request for authentication) do not match (step S11: No) Then, the display unit 21 displays a request to set a money card or mobile phone PH (step S14).

  Thereafter, when the charging is finished, as shown in FIG. 11, the operation screen of the guidance operation unit 10 displays that the charging is finished (for example, “end”), and displays the charge amount and the charge balance (step S10), a series of actions are terminated.

  On the other hand, when the electronic money charging machine 1 receives the fact that payment cannot be made from the credit server 7, the fact is displayed on the operation screen of the guidance operation unit 10 (step S15), and the series of operations is terminated.

  In addition, although credit charge was demonstrated to the example, debit charge can be charged similarly to credit charge. That is, in the case of debit charge, instead of authentication by the credit server 7, authentication is performed by the debit server 8, except that authentication is performed based on the deposit amount of the bank account previously associated with the debit card DC (credit card). There is no difference from credit charge.

  In the case of cash charge, instead of steps S5 to S8, a bill corresponding to the selected charge amount or directly input charge amount is inserted from the bill insertion slot, and electronic money corresponding to the charge amount is not stored. When charging to a recording medium such as a mobile phone PH on which a money card MC constituted by a contact IC card or a non-contact IC chip is mounted, the money card MC is detected (step S9). The other steps are similar to the credit charge described above.

  In the electronic money charging machine 1 according to the embodiment of the present invention described above, the credit card CC and the money card MC or the mobile phone PH are separate, and the debit card DC and the money card MC or the mobile phone PH are separate. However, the credit card CC, the debit card DC, the money card MC, the card having the credit card CC, the money card MC function, the debit card DC, the money card MC function. The present invention can be applied to a card having all the functions of the card MC or a mobile phone PH.

  In the electronic money charging machine according to the embodiment of the present invention described above, the ID number (identification information) read from the money card MC or the mobile phone PH when the charge command is notified and the stored ID number (identification) The ID number (identification information) read from the money card MC or the mobile phone PH when the charge command is notified and the ID number (identification) of the money card or mobile phone included in the charge command. Information).

  The electronic money charging machine 1 according to the above-described embodiment reads the ID number (identification information) from the money card MC or the mobile phone PH set at the time of authentication request, while presenting the money presented when the charge command is notified. The ID number (identification information) is read again from the card MC or the mobile phone PH, and the ID number (identification information) read when the charge command is notified and the stored ID number (identification information read at the time of authentication request) Since the electronic money is charged to the money card MC or the mobile phone PH presented when the two match, the electronic money can be reliably charged to the intended money card MC or the mobile phone PH.

  Further, when the charge command is notified but the ID number cannot be read from the money card MC or the mobile phone PH, the display unit 21 displays a request to present the money card MC or the mobile phone PH. Alternatively, the user can be notified that the mobile phone PH is out of the detection range.

  Further, when the ID number read when the charge command is notified and the stored ID number (identification information read at the time of the authentication request) do not match, to the money card MC or the mobile phone PH presented at the time of the authentication request Is displayed on the display unit 21, it is possible to notify the user that the money card MC or the mobile phone PH has been replaced.

It is a block diagram which shows the structure of the electronic money charge system to which the electronic money charge machine which is embodiment of this invention is applied. 1 is an external view of an electronic money charging machine according to an embodiment of the present invention. It is a block diagram which shows the structure of the electronic money charging machine shown in FIG. It is a flowchart which shows the effect | action of the electronic money charging machine which is embodiment of this invention. It is the figure which showed the operation screen displayed on the guidance operation part shown in FIG. 2, Comprising: The standby screen is shown. FIG. 3 is a diagram showing an operation screen displayed on the guidance operation unit shown in FIG. 2, and shows an operation screen for requesting setting of a money card. FIG. 3 is a diagram illustrating an operation screen displayed on the guidance operation unit illustrated in FIG. 2, and illustrates an operation screen that requests input of a charge amount. FIG. 3 is a diagram showing an operation screen displayed on the guidance operation unit shown in FIG. 2, and shows an operation screen for requesting setting of a credit card. FIG. 3 is a diagram illustrating an operation screen displayed on the guidance operation unit illustrated in FIG. 2, and illustrates an operation screen that requests input of a personal identification number. FIG. 3 is a diagram illustrating an operation screen displayed on the guidance operation unit illustrated in FIG. 2, and illustrates an operation screen displaying charging. FIG. 3 is a diagram illustrating an operation screen displayed on the guidance operation unit illustrated in FIG. 2, and illustrates an operation screen indicating that charging has ended.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic money charge machine 7 Credit server 8 Debit server 9 Electronic money server 10 Guidance operation part 11 Main body cabinet 12 Front door 13 Locking means 20 Guidance operation part 21 Display part 22 Input part 30 Bill insertion slot 31 Bill return slot 32 Bill validator 40 Money card / mobile phone set unit 41 Reader / writer 50 Credit / debit set unit 51 Reader / writer 60 Receipt issuing port 61 Printer 62 Main control unit 63 Communication unit CC credit card DC debit card MC Money card PH Mobile phone

Claims (2)

In an electronic money charging machine that charges electronic money to a presented recording medium based on a charge command notified when an authentication request for the presented recording medium is approved,
Reading means for reading the identification information from the recording medium presented at the time of the authentication request, while reading the identification information again from the recording medium presented when the charge command is notified,
Charging means for charging electronic money to the recording medium presented when the identification information read when the charge command is notified and the identification information read at the time of the authentication request match ;
An electronic money charging machine comprising: a presentation request notifying unit that notifies that a presentation of a recording medium is requested when a charge command is notified but identification information cannot be read from the recording medium . In an electronic money charging machine that charges electronic money to a presented recording medium based on a charge command notified when an authentication request for the presented recording medium is approved,
Reading means for reading the identification information from the recording medium presented at the time of the authentication request, while reading the identification information again from the recording medium presented when the charge command is notified,
Charging means for charging electronic money to the recording medium presented when the identification information read when the charge command is notified and the identification information read at the time of the authentication request match;
An exchange request notifying means for notifying that a request for replacement to a recording medium presented at the time of authentication request is made when the identification information read when the charge command is notified and the identification information read at the time of authentication request do not match;
An electronic money charging machine comprising:

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