JP5053685B2 - Reader / writer for storage media - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a reader/writer for storage medium capable of notifying a type of cybermoney service used in performing settlement processing of cybermoney. <P>SOLUTION: The user can be notified of the kind of cybermoney service used in the settlement processing of cybermoney, since this reader/writer is equipped with a controller 160 which controls logo data of the cybermoney service to be displayed on a display part 130, if the kind of the cybermoney service to be used for settlement processing of cybermoney is detected. Sense of security in using cybermoney service is thereby given to the user at his/her greater convenience. <P>COPYRIGHT: (C)2009,JPO&amp;INPIT

Description

  The present invention relates to a reader / writer for a storage medium that performs electronic money payment processing on a storage medium that stores an electronic money balance of an electronic money service used for, for example, an electronic ticket or electronic payment.

  Conventionally, as a reader / writer for this type of storage medium, there is provided storage means for storing service information for providing a plurality of electronic money services, and electronic money used in any one of the electronic money services. When a storage medium in which the balance is stored is detected, electronic money settlement processing is performed using the electronic money balance of the storage medium and the service information of the storage means.

In this reader / writer for storage media, a sticker printed with logo data of the electronic money service is affixed for each type of electronic money service for which payment processing can be performed, and the reader / writer for storage media is used. Users are notified of the types of electronic money services that can be settled.
JP 2006-301780 A

  However, in the above-mentioned conventional example, since a sticker printed with electronic money service logo data is merely affixed, which electronic money service is used when performing electronic money settlement processing? For example, there is a risk of giving the user anxiety about whether payment processing using the electronic money service that the user wants to use is actually performed.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide a reader / writer for a storage medium capable of notifying the type of electronic money service used when performing electronic money settlement processing. It is to provide.

  In order to achieve the above object, the present invention comprises storage means for storing service information for providing a plurality of electronic money services, and the electronic money used in any one of the electronic money services. In the reader / writer for a storage medium that performs electronic money settlement processing using the electronic money balance of the storage medium and the service information of the storage means, And a control means for controlling the information output unit to output information indicating the type of the electronic money service when the type of the electronic money service used in the electronic money settlement process is detected.

  As a result, when the type of electronic money service used for electronic money payment processing is detected, information indicating the type of electronic money service is output from the information output unit. It is possible to inform the user of the type of electronic money service used for the service.

  According to the present invention, since it is possible to inform the user of the type of electronic money service used when performing electronic money settlement processing, it is possible to give the user a sense of security regarding the use of the electronic money service, which is convenient. Can be improved.

  FIGS. 1 to 7 show a first embodiment of the present invention. FIG. 1 is a functional configuration diagram of a storage medium reader / writer, FIG. 2 is a functional configuration diagram of a non-contact IC card, and FIG. FIG. 4 is a diagram showing an example of the data structure of the storage unit, FIG. 5 is a diagram showing an example of the data structure of the history information, FIG. 6 is a flowchart showing the operation of the control unit, and FIG. It is a figure which shows the information displayed on a part.

  The storage medium reader / writer 100 (hereinafter referred to as the reader / writer 100) of this embodiment transmits and receives data to and from the contactless IC card 10 in which the balance of electronic money used in the electronic money service is stored. Thus, the electronic money balance 12c of the non-contact IC card 10 is read and written.

  As shown in FIG. 1, the reader / writer 100 includes an RF circuit unit 110, an antenna 111, a connector 120, a display unit 130 as an information output unit, a communication device 140, a storage unit 150, a control unit 160, Are provided, and the above-described devices are connected to the control unit 160. Further, a payment terminal 200 for transmitting a payment amount is connected to the reader / writer 100 via a connector 120. Further, the reader / writer 100 is connected to the management server 410 of the electronic money service A, the management server 420 of the electronic money service B, and the management server 430 of the electronic money service C via the network 300.

  In the non-contact IC card 10, a coiled antenna (not shown) for transmitting and receiving signals to and from the reader / writer 100 and an IC chip connected to the antenna are embedded. As shown in FIG. 2, the IC chip is provided with an IC card control unit 11 that controls circuits in the IC chip and an IC card storage unit 12 that stores various types of information.

  The IC card control unit 11 includes a CPU, a memory such as a RAM and a ROM, and updates or reads various information stored in the IC card storage unit 12 in accordance with an IC card command received from the reader / writer 100 via an antenna. I do.

  The IC card storage unit 12 is a rewritable storage element such as an EEPROM, and stores a service ID 12a, a user ID 12b, and an electronic money balance 12c. The service ID 12a is for identifying the type of electronic money service, and a different ID is assigned to each electronic money service. The user ID 12b is for identifying the user of the electronic money service, and a different ID is assigned to each contactless IC card 10.

  Next, each device provided in the reader / writer 100 will be described. The RF circuit unit 110 is for performing non-contact communication with the non-contact IC card 10 via the antenna 111, and includes a known AD / DA converter, a rectifier circuit, and the like. The connector 120 is a connector compliant with, for example, the USB (Universal Serial Bus) standard, and is used as an interface unit for connecting the control unit 160 and the payment terminal 200.

  The display unit 130 is a known display device such as a liquid crystal display or an organic EL display, and is provided so as to be exposed from the upper surface of the reader / writer 100 as shown in FIG. The display unit 130 displays a guidance screen 131 for displaying the contents of electronic money settlement processing and the like, and a logo screen 132 for displaying logo data indicating the type of electronic money service. Note that an antenna 111 is provided along the outer edge of the display unit 130 on the back side of the upper surface of the reader / writer 100, and the user puts the non-contact IC card 10 on the logo screen 132 while the antenna 111 is energized. When held over, the non-contact IC card 10 becomes operable by generating an electromotive force by an electromagnetic induction method.

  The communication device 140 is a communication device such as a modem for connecting to the network 300, and communicates with each management server 410, 420, and 430 via the network 300. In this embodiment, a public line network is used as the network 300, and a modem is used as the communication device 140 correspondingly.

  The storage unit 150 is a rewritable storage element such as an EEPROM, and stores service information 151, 152, and 153 relating to the electronic money services A, B, and C, respectively, as shown in FIG. Each service information 151, 152, and 153 is a settlement for adding or subtracting the service ID related to each service, logo data indicating the type of electronic money service, and the electronic money balance 12c stored in the contactless IC card 10. As shown in FIG. 5, the processing program and history information representing the usage history of the electronic money service are included. The service ID is configured in the same manner as the service ID 12a of the non-contact IC card 10. The history information includes a plurality of history records, and each history record includes a history ID indicating the number of the history record, a user ID 12b of the non-contact IC card 10, a transaction date, and a payment amount. In addition, one history record is added to the history information every time the electronic money settlement process ends normally.

  The control unit 160 is for controlling the entire reader / writer 100, and a timer for obtaining a date (transaction date) when electronic money settlement processing is performed together with CPU, RAM, ROM, and other memories. A circuit (not shown) is provided. The control unit 160 controls each of the above devices based on data and programs stored in its own memory. A plurality of IC card commands, which will be described later, are stored in the non-rewritable area of the memory. However, the present invention is not limited to this, and these commands are stored in the storage unit 150 and the control unit 160 is required. In response to this, each command may be read from the storage unit 150. Details of the operation of the control unit 160 will be described later.

  The payment terminal 200 is a well-known POS (Point Of Sales) terminal, and when a button (not shown) for performing payment processing is pressed, the payment amount is transmitted to the reader / writer 100.

  Each of the management servers 410, 420, and 430 is for managing an electronic money service. The management server 410 is an operator that operates the electronic money service A, and the management server 420 is an operator that operates the electronic money service B. In addition, the management server 430 is managed by a business operator who operates the electronic money service C.

  The reader / writer 100 configured as described above detects the type of electronic money service used in the electronic money settlement process by acquiring the service ID 12a of the non-contact IC card 10 after detecting the non-contact IC card 10. It is supposed to be. Further, the reader / writer 100 performs an electronic money settlement process by adding or subtracting the settlement amount received from the settlement terminal 200 to the electronic money balance 12c of the non-contact IC card 10. Hereinafter, the operation of the reader / writer 100 will be described with reference to FIG. 3, FIG. 6, and FIG.

  First, when the reader / writer 100 is powered on, the control unit 160 displays a message for guiding the non-contact IC card 10 over the logo screen 132 on the guidance screen 131 of the display unit 130 as shown in FIG. It is displayed (step S1). In this case, the control unit 160 extracts the logo data of each electronic money service from the service information 151, 152, and 153 of the storage unit 150, and displays the extracted logo data list on the logo screen 132 of the display unit 130. .

  Next, the control unit 160 performs detection processing until the non-contact IC card 10 is detected (steps S2 and S3). More specifically, the control unit 160 transmits an IC card command for obtaining a predetermined response signal from the non-contact IC card 10 via the RF circuit unit 110 and the antenna 111. On the other hand, when the user holds the non-contact IC card 10 over the logo screen 132 of the display unit 130, the IC card control unit 11 of the non-contact IC card 10 responds to the IC card command received from the reader / writer 100. Send. The control unit 160 detects the non-contact IC card 10 by receiving a response signal from the non-contact IC card 10 via the antenna 111 and the RF circuit unit 110. In the present embodiment, a card ID (not shown) unique to the non-contact IC card 10 is used as a response signal.

  Next, when the non-contact IC card 10 is detected, the control unit 160 enlarges and displays only the electronic money service logo data corresponding to the electronic money balance 12c of the non-contact IC card 10 as shown in FIG. Thus, the output mode of the logo data is changed (step S4). Specifically, the control unit 160 first sends an IC card command for reading the service ID 12a, the user ID 12b, and the electronic money balance 12c to the contactless IC card 10 via the RF circuit unit 110 and the antenna 111. Send. On the other hand, when receiving the IC card command, the IC card control unit 11 of the non-contact IC card 10 transmits the service ID 12a, the user ID 12b, and the electronic money balance 12c of the IC card storage unit 12 to the reader / writer 100. The control unit 160 stores the information 12a, 12b, and 12c received from the non-contact IC card 10 via the antenna 111 and the RF circuit unit 110 in the RAM, and then has a service ID that matches the received service ID 12a. Logo data of service information (in this example, service information 151 of the electronic money service A) is extracted from the storage unit 150 and enlarged and displayed on the logo screen 132 of the display unit 130. In this case, the control unit 160 can detect the type of electronic money service used for the electronic money settlement process by acquiring the service ID 12a of the contactless IC card 10. The control unit 160 displays the electronic money balance 12c (13,000 yen in this example) on the guide screen 131 of the display unit 130.

  Next, the control unit 160 determines whether or not a payment amount has been received from the payment terminal 200 via the connector 120. If the payment amount is received, the control unit 160 corresponds to the electronic money balance 12c of the contactless IC card 10. The electronic money settlement process using the electronic money balance 12c is executed by executing the electronic money service settlement process program (steps S5 and S6).

  Here, the payment processing of electronic money will be specifically described. The control unit 160 transmits an IC card command for subtracting the payment amount (3,000 yen in this example) from the electronic money balance 12c to the contactless IC card 10 via the RF circuit unit 110 and the antenna 111. . On the other hand, upon receiving the IC card command from the reader / writer 100, the IC card control unit 11 subtracts the settlement amount included in the IC card command from the electronic money balance 12c, and then sends a predetermined subtraction end signal to the reader / writer. To 100. Then, when the control unit 160 receives the subtraction end signal via the antenna 111 and the RF circuit unit 110, the electronic money settlement process ends normally. Note that the control unit 160 displays a message and a settlement amount for guiding the non-contact IC card 10 not to be taken out as shown in FIG. Are displayed on the guide screen 131.

  In addition, when the electronic money settlement process ends normally, the control unit 160 displays the history information ID, the user ID 12b, the date (transaction date) obtained from the timer circuit, the settlement amount, and the electronic money balance after the settlement process. A history record consisting of 12c is generated, and the history record is added to the history information of the service information (in this example, the service information 151 of the electronic money service A) having the service ID that matches the service ID 12a acquired in step S4 ( Step S7). In this case, as shown in FIG. 7C, the control unit 160 displays the payment amount and the electronic money balance 12c after the payment process (10,000 yen in this example) on the guidance screen 131 of the display unit 130. . The control unit 160 transmits an IC card command for reading the electronic money balance 12c to the non-contact IC card 10 via the RF circuit unit 110 and the antenna 111 after the electronic money settlement process is normally completed. By doing so, the electronic money balance 12c after the settlement processing is acquired.

  Although not described in the above flow, the control unit 160 stores the history information related to the electronic money service A among the service information 151, 152, and 153 stored in the storage unit 150, and the management server 410 of the electronic money service A. Further, the history information related to the electronic money service B is arbitrarily sent to the management server 420 of the electronic money service B, and the history information related to the electronic money service C is arbitrarily assigned to the management server 430 of the electronic money service C via the communication device 140 and the network 300, respectively. Send at times. Each of the management servers 410, 420, and 430 of each electronic money service stores the history information received from the reader / writer 100 in a storage unit (not shown) of each management server 410, 420, and 430.

  Further, in step S1 of the above flow, the list of the extracted logo data is displayed on the logo screen 132 of the display unit 130. However, the extracted logo data is switched every predetermined time to the logo screen 132. You may make it display.

  As described above, according to the reader / writer 100 of the present embodiment, when the type of electronic money service used for the electronic money settlement process is detected, control is performed so that the logo data of the electronic money service is displayed on the display unit 130. Since the control unit 160 is provided, it is possible to notify the user of the type of electronic money service used when the electronic money settlement process is performed. Therefore, it is possible to give the user a sense of security for using the electronic money service and improve convenience.

  Further, when the control unit 160 detects the non-contact IC card 10, the control unit 160 controls the display unit 130 to display logo data of the electronic money service corresponding to the electronic money balance 12 c of the non-contact IC card 10. The user can inform the user of the type of electronic money service used for the electronic money settlement process simply by holding the contactless IC card 10 over the reader / writer 100. Thereby, convenience can be improved more.

  Further, the control unit 160 extracts the logo data of the plurality of electronic money services A, B, and C from the storage unit 150 when the non-contact IC card 10 is not detected, and displays a list of the extracted logo data on the display unit 130. Therefore, it is possible to notify the electronic money service that can perform the electronic money settlement process, and to promote the use of the electronic money service to the user.

  Further, when the control unit 160 detects the non-contact IC card 10, the control unit 160 controls to enlarge and display the logo data of the electronic money service corresponding to the electronic money balance 12 c of the non-contact IC card 10. The user can be surely informed of the type of electronic money service used for the service, and convenience can be further improved.

  Furthermore, the control unit 160 extracts the logo data of the plurality of electronic money services A, B, and C from the storage unit 150 when the non-contact IC card 10 is not detected, and switches the extracted logo data to display the display unit. Since the control is performed so that the electronic money service can be displayed, the electronic money service that can perform the electronic money settlement process can be notified, and the use of the electronic money service can be promoted to the user.

  Furthermore, an antenna 111 for performing non-contact communication with the non-contact IC card 10 is provided along the outer edge of the display unit 130, and the control unit 160 communicates with the non-contact IC card 10 via the antenna 111. Therefore, when the user performs an operation of holding the non-contact IC card 10 over the display unit 130, communication between the non-contact IC card 10 and the control unit 160 can be easily performed.

  The reader / writer 100 according to the second embodiment of the present invention will be described below. This embodiment is different from the first embodiment in that the type of electronic money used for electronic money payment processing is selected by the payment terminal 200, so that the type of electronic money used for electronic money payment processing is changed. The point is that it is configured to detect. Since other configurations and operations are the same as those in the first embodiment, only differences will be described here.

  The IC card storage unit 12 of the contactless IC card 10 of this embodiment is provided with an area 121 for electronic money service A and an area 122 for electronic money service B as shown in FIG. In the area 121, the service ID 121a, the user ID 121b, and the electronic money balance 121c of the electronic money service A are stored. In the area 122 of the electronic money service B, the service ID 122a, the user ID 122b, and the electronic money service B are stored. An electronic money balance 122c is stored.

  In addition, the payment terminal 200 of the present embodiment is provided with a plurality of selection buttons (not shown) corresponding to the respective electronic money services A, B, and C. After the selection button is pressed, the payment processing is performed. When a button for performing is pressed, a predetermined settlement instruction signal is transmitted to the reader / writer 100. This settlement instruction signal includes the service ID of the electronic money service corresponding to the pressed selection button and the settlement amount.

  Next, the operation of the reader / writer 100 of this embodiment will be described with reference to the flowchart of FIG.

  First, when the reader / writer 100 is powered on, the control unit 160 extracts logo data of each electronic money service from the service information 151, 152, and 153 of the storage unit 150, and displays a list of the extracted logo data. It is displayed on the logo screen 132 of the display unit 130 (step S11). The contents of this process are the same as in step S1 of FIG.

  Next, the control unit 160 determines whether or not a settlement instruction signal has been received from the settlement terminal 200 via the connector 120 (step S12). If the settlement instruction signal is received, it is included in the settlement instruction signal. Only the logo data of the electronic money service corresponding to the service ID is enlarged and displayed (step S13). In this case, the control unit 160 can detect the type of electronic money service used for electronic money payment processing by acquiring the service ID from the payment terminal 200.

  Next, the control unit 160 performs detection processing until the non-contact IC card 10 is detected (steps S14 and S15). When the non-contact IC card 10 is detected, electronic money settlement processing is performed (step S16). In addition, the processing content of each step S14, 15 is the same as that of step S2, 3 of FIG. 7, respectively. In step S16, the control unit 160 obtains the payment amount from the electronic money balance of the electronic money service (for example, the electronic money balance 121c of the electronic money service A) having the same service ID as the service ID included in the payment instruction signal. An IC card command for subtraction is transmitted to the non-contact IC card 10 via the RF circuit unit 110 and the antenna 111. On the other hand, upon receiving the IC card command from the reader / writer 100, the IC card control unit 11 subtracts the settlement amount included in the IC card command from the electronic money balance 121c, and then sends a predetermined subtraction end signal to the reader / writer. To 100. Then, when the control unit 160 receives the subtraction end signal via the antenna 111 and the RF circuit unit 110, the electronic money settlement process ends normally.

  Then, when the electronic money settlement process is normally completed, the control unit 160 displays the history information ID, the user ID 12b, the date (transaction date) acquired from the timer circuit, the settlement amount, and the electronic money balance 12c after the settlement process. Is generated, and the history record is added to the history information of service information having the same service ID as the service ID acquired in step S12 (step S17).

  In step S11 of the above flow, the extracted logo data list is displayed on the logo screen 132 of the display unit 130. However, the extracted logo data is switched every predetermined time to the logo screen 132. You may make it display.

  As described above, according to the reader / writer 100 of the present embodiment, when the type of electronic money service used for the electronic money payment process is selected by the payment terminal 200 connected via the connector 120, the control unit 160 selects. Since the control is performed so that the logo data of the selected electronic money service is displayed on the display unit 130, for example, before the user holds the contactless IC card 10 over the reader / writer 100, the electronic money used for the electronic money settlement process is used. Users can be informed of the type of money service. Thereby, convenience can be improved more.

  Further, the control unit 160 extracts the logo data of the plurality of electronic money services A, B, and C from the storage unit 150 when the electronic money service is not selected, and displays a list of the extracted logo data on the display unit 130. Therefore, it is possible to notify the electronic money service that can perform the electronic money settlement process, and to promote the use of the electronic money service to the user.

  Further, when the type of electronic money service is selected by the payment terminal 200, the control unit 160 selects an electronic money service corresponding to the electronic money balance of the contactless IC card 10 (for example, the electronic money balance 121c of the electronic money service A). Since the logo data is controlled to be enlarged and displayed, the user can be surely informed of the type of electronic money service used in the electronic money settlement process, and the convenience can be further improved.

  Furthermore, the control unit 160 extracts the logo data of the plurality of electronic money services A, B, and C from the storage unit 150 when the electronic money service is not selected, and switches the extracted logo data to the display unit 130. Since the display is controlled to be displayed, it is possible to notify the electronic money service that can perform the electronic money settlement process, and it is possible to promote the use of the electronic money service to the user.

  In addition, the control unit 160 obtains an electronic money settlement amount from the settlement terminal 200 at the same time when the type of electronic money service is selected by the settlement terminal 200, and electronic money settlement processing based on the obtained electronic money settlement amount Therefore, for example, electronic money payment processing can be performed simply by transmitting one command such as a payment instruction signal from the payment terminal 200, and electronic money payment processing can be performed more quickly.

  In addition, the said embodiment is only a specific example of this invention, and this invention is not limited only to the said embodiment. For example, in the above-described embodiment, the non-contact IC card 10 is used as a storage medium. However, a mobile phone equipped with an RFID (Radio Frequency Identification) tag or an IC chip may be used as the storage medium. Good.

  In the above embodiment, the display unit 130 is used as the information output unit. However, an audio output unit such as a speaker that outputs audio corresponding to the electronic money service may be used as the information output unit.

1 is a functional configuration diagram of a storage medium reader / writer showing a first embodiment of the present invention; Functional configuration diagram of contactless IC card Front view of reader / writer for storage media The figure which shows an example of the data structure of a memory | storage part The figure which shows an example of the data structure of history information Flow chart showing the operation of the controller The figure which shows the information which is displayed on the display section Functional configuration diagram of a non-contact IC card showing a second embodiment of the present invention The flowchart which shows operation | movement of the control part of the reader / writer for storage media which shows the 2nd Embodiment of this invention.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Non-contact IC card, 12a, 121a, 122b ... Service ID, 12c, 121c, 122c ... Electronic money balance, 100 ... Storage medium reader / writer, 111 ... Antenna, 130 ... Display part, 132 ... Logo screen, 150 ... Storage unit, 160 ... control unit, 300 ... network, 400 ... management server.

Claims (5)

A storage means for storing service information for providing a plurality of electronic money services, and detecting a storage medium storing a balance of electronic money used in any one of the electronic money services; In a reader / writer for a storage medium that performs electronic money settlement processing using the electronic money balance of the storage medium and service information of the storage means,
An information output unit;
Information representing a plurality of types of electronic money services stored in the storage means when the type of electronic money service used in the electronic money settlement processing is detected and the type of electronic money service is not detected to output the list to the information output unit, when detecting the type of electronic money services, controls the output to the information output unit to enlarge only the information indicating the type of the detected electronic money service, the electronic money service A storage medium reader / writer comprising a control means for performing a settlement process . 2. The electronic money service type detection process by the control means is performed by detecting an electronic money balance from a storage medium to detect an electronic money service type corresponding to the electronic money balance. Reader / writer for storage media. An interface unit for connecting to a predetermined payment terminal is provided.
2. The electronic money service type detection process by the control means includes detecting an electronic money service type by receiving the electronic money service type from a payment terminal via the interface unit. Reader / writer for storage media. Wherein the control unit, together with an electronic money service types to get the payment amount of electronic money from the payment terminal, based on the obtained payment amount of electronic money according to claim 3, wherein the performing settlement processing of the electronic money Reader / writer for storage media. An antenna for performing non-contact communication with the storage medium is provided along the outer edge of the information output unit,
5. The storage medium reader / writer according to claim 1, wherein the control unit communicates with the storage medium via an antenna.

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