JP5362197B2 - Electronic money charge system, account information reading terminal, electronic money charge server device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money charging system for conducting more convenient transactions. <P>SOLUTION: The electronic money charging system includes a storage medium for storing account identification information for identifying an account at a financial institution; an account information reading terminal for reading the information stored in the storage medium and capable of communicating with a financial institution server device; and a financial institution server device for storing account information and performing a withdrawal process. The account information reading terminal receives the input of charged amount information to be stored in an electronic money medium, and sends a charge request telegram to the financial institution server device, the telegram including the account identification information read from the storage medium and the charged amount information; when receiving a charge permission telegram from the financial institution server device, the account information reading terminal updates and stores the charged amount information in the electronic money medium. When the financial institution server device performs a withdrawal process based on the charge request telegram received, it sends the charge permission telegram to the account information reading terminal. <P>COPYRIGHT: (C)2009,JPO&amp;INPIT

Description

The present invention relates to an electronic money charge system, an account information reading terminal, and an electronic money charge server device .

  2. Description of the Related Art In recent years, electronic money systems that store value information (value) such as amounts and points in an IC chip or the like and perform transactions such as buying and selling using the charged value have been used. A general charging method for such an electronic money system is that a user uses an IC card or IC card equipped with an IC chip using a cash register terminal such as a convenience store or a dedicated charging terminal installed in a ticket machine at a station. This is a method of charging value to the telephone.

As another charging method, a mobile phone having an electronic money function in a website provided to the electronic money manager by the user making a deposit in advance to an account predetermined by the electronic money manager. There has been proposed a method of accessing through the network and charging via a network according to the amount transferred (see, for example, Patent Document 1).
In addition, a method has been proposed in which a bank account is created in advance, connected to a registered financial institution server via a network from a mobile phone, and charged to an electronic money medium on the mobile phone by debiting. (For example, refer to Patent Document 2).
JP 2006-53846 A JP 2007-34941 A

  However, in the charging method as described above, the user needs cash to charge the electronic money medium, or goes to a limited place such as a cashier terminal such as a convenience store or a ticket machine at a station. When it is necessary or when charging is performed via a network, prior registration is required, or a dedicated information writing device must be prepared. Even when charging is performed via a network using the balance of an account of a financial institution, such charge cannot be used unless there is an account in a predetermined financial institution. It is desirable to solve such complicated procedures in order to promote the spread of electronic money systems.

  The present invention has been made in view of such circumstances, and provides an electronic money charging system that does not prepare cash and enables more convenient electronic money transactions.

In order to solve the above-described invention, the present invention provides a storage medium for storing account identification information for identifying an account of a financial institution, and a withdrawal amount that is read as the account identification information from the storage medium and input as the account identification information An account information reading terminal that transmits a withdrawal request message generated based on the information to the financial institution server device, and an account information storage unit that stores account information including balance information of the user, the withdrawal request message An electronic money charge system comprising: the financial institution server device that performs a withdrawal process corresponding to the received withdrawal request message, and an electronic money medium that stores charged amount information indicating an available amount a is, the account information reading terminal includes an electronic money reader writer to read and write each of the charge already amount information stored in the plurality of the electronic money medium, the Input means for inputting a charge amount information to the respective number of the electronic money medium, the amount of money that the indicating charge amount information is input to each of the plurality of electronic money medium, predetermined for each of the plurality of electronic money medium range der of obtained amount is, and the total amount of money indicated by the charge amount information entered is the case in the range of the total amount of predetermined, the corresponding to each of the plurality of electronic money medium A first message that generates a charge request message including the charge amount information and the account identification information read from the storage medium as the withdrawal request message, and transmits the generated withdrawal request message to the financial institution server device. In response to the charge request message transmitted by the transmission means and the first message transmission means, the financial institution server device charges the charge permission message. When receiving via the electronic money reader writer, a charge already money amount information stored in each of the plurality of electronic money medium, a charge control means for storing updated based on the charge amount information, The financial institution server device generates the charge permission message and transmits the generated charge permission message to the account information reading terminal when performing the withdrawal process based on the received charge request message. An electronic money charge system, comprising:

  The present invention further includes a financial institution server connection device capable of communicating with a plurality of financial institution server devices, and the first financial institution server device has account information corresponding to account identification information included in the received charge request message. Is not present in the account information storage unit of the device itself, based on the charge request message, the second financial institution server device that stores the account information corresponding to the account identification information as a destination, the charge request message, A second message transmission unit that transmits to the financial institution server connection device, and the permission message transmission unit included in the first financial institution server device corresponds to the charge request message transmitted by the second message transmission unit. When the charge permission message is received from the financial institution server connection device, the charge permission message is transmitted to the account information reading terminal. When the request message is received, a message transfer means for transmitting the charge request message to the second financial institution server device that stores the account information included in the charge request message, and a charge request message from the second financial institution server device. The electronic money charge system as described above, further comprising permission message transfer means for transmitting the received charge permission message to the first financial institution server device when the corresponding charge permission message is received.

Further, the present invention, the above-mentioned financial institution server connected device, the charge amount information charge request message received from the first financial institution server device includes, receiving financial institution server connected device as dispensing amount information dispensing Electronic money having message format conversion means for converting to a request message format and converting a withdrawal permission message received from the financial institution server connection device into a charge permission message format to be transmitted to the first financial institution server device And further comprising a charge server device, wherein the message transfer means receives the withdrawal request message converted by the message format conversion means from the electronic money charge server device, and forwards the received withdrawal request message to the second financial institution server device. and, allow message transfer means, or the second financial institution server in response to the withdrawal request message to message transfer means to transfer Receiving a payment authorization message, characterized in that it transfers the received the payment authorization message to said electronic money charging server.

  Further, according to the present invention, the electronic money reader / writer of the account information reading terminal reads and writes the charged amount information stored in the plurality of electronic money media, and the input unit charges each of the plurality of electronic money media. The charge amount information indicating the amount to be charged is input, and the first message transmission unit generates a charge request message including the account information read from the storage medium and the charge amount information corresponding to each of the plurality of electronic money media. The charge control means receives the charge permission message corresponding to each of the charge request messages transmitted by the first message transmission means from the financial institution server apparatus, and passes through the electronic money reader / writer. The charged amount information stored in each of the plurality of electronic money media is based on the corresponding charged amount information. Characterized in that for updating and storing.

  In the present invention, the input means of the account information reading terminal inputs the charge amount information indicating the amount to be charged to the electronic money medium and the cash withdrawal amount information indicating the amount to be withdrawn with cash, and reads the account information. The terminal is further characterized by further comprising a withdrawal means for discharging cash of an amount corresponding to the cash withdrawal amount information.

  The electronic money charge system further includes an electronic money value issuing device including an electronic money user information storage unit for storing information of an electronic money medium user, and the input of the account information reading terminal The means inputs cash amount information for cashing electronic money and user identification information for identifying a user of the electronic money medium, and the account information reading terminal receives the identification information of the electronic money medium and the user identification Corresponding to the user confirmation request message information transmitted by the user confirmation message transmission means and the user confirmation message transmission means for generating the user confirmation request message information based on the information and transmitting it to the electronic money value issuing device When receiving the user confirmation result message information indicating that the user is valid from the electronic money value issuing device, the cash corresponding to the cash amount information is discharged, Or cash amount control means for generating money request message information including the account identification information read from the storage medium and the money amount information, and sending it to the financial institution server device. It is characterized by providing.

Further, the present invention has an account information storage unit for storing account information including balance information of the user, receives a withdrawal request message including withdrawal request amount information, and corresponds to the received withdrawal request message. A withdrawal request message that is communicable with a financial institution server device that performs withdrawal processing, reads account identification information stored in a storage medium, and generates based on the account identification information and input withdrawal amount information a account information reading terminal to be transmitted to the financial institution server device, an electronic money reader writer to read and write each of the charge already amount information stored in the plurality of electronic money medium for storing a charge already money amount information indicating the available amount Input means for inputting charge amount information to each of the plurality of electronic money media; and the charge amount input to each of the plurality of electronic money media Amounts indicated information is Ri range der predetermined amount for each of the plurality of electronic money medium, and the total amount of money indicated by the charge amount information entered is found within a range of the total amount of predetermined The charge request message including the charge amount information corresponding to each of the plurality of electronic money media and the account identification information read from the storage medium is generated as the withdrawal request message, and the generated Corresponding to the charge request message transmitted by the first message transmission means, a charge permission message is sent from the financial institution server device to the first message transmission means for transmitting a withdrawal request message to the financial institution server device. when receiving, via the electronic money reader writer, a charge already money amount information stored in each of the plurality of electronic money medium, the Chi A charge control means for storing updated based on the over-di amount information is the account information reading terminal comprising: a.

  Further, according to the present invention, the electronic money reader / writer reads and writes the charged amount information stored in the plurality of electronic money media, and the input unit indicates a charge amount indicating the amount charged to each of the plurality of electronic money media. The information is input, and the first message transmission means generates a plurality of charge request messages including the account information read from the storage medium and charge amount information corresponding to each of the plurality of electronic money media to generate a financial institution server. The charge control means receives a plurality of charge permission messages corresponding to each of the plurality of charge request messages transmitted by the first message transmission means from the financial institution server device, and passes through the electronic money reader / writer. The charged amount information stored in each of the plurality of electronic money media is based on the corresponding charged amount information. Characterized in that to the new and stored.

  Further, according to the present invention, the input means inputs charge amount information indicating an amount to be charged to the electronic money medium and cash withdrawal amount information indicating an amount to be withdrawn with cash. It further comprises a withdrawal means for discharging cash of an amount corresponding to the withdrawal amount information.

  Further, according to the present invention, the input means inputs cash amount information for cashing electronic money and user identification information for identifying a user of the electronic money medium, and the identification information of the electronic money medium, A user confirmation request message is generated based on the user identification information and transmitted to an electronic money value issuing device having an electronic money user information storage unit for storing information on the user of the electronic money medium. In response to the user confirmation request message information transmitted by the transmission means and the user confirmation message transmission means, when receiving the user confirmation result message information indicating that the user is valid from the electronic money value issuing device, The cash corresponding to the cash amount information is discharged or the money amount corresponding to the cash amount information is used as the money amount information, and the account identification information and the money amount information read from the storage medium are included. A cash control means for transmitting to the financial institution server device generates the request message information, characterized in that it comprises a.

The present invention is also an electronic money charge server device that receives a message transmitted from a first financial institution server device and transfers the message to a second financial institution server device, which is input to an account information reading terminal. a charge amount information, the amount indicated by the charge amount information entered for each of a plurality of electronic money medium, Ri range der predetermined amount for each of the plurality of electronic money medium, The plurality of electronic money included in the charge request message received from the first financial institution server device when the total amount indicated by the input charge amount information is within a predetermined total amount range. the charge amount information corresponding to each of the medium, to generate a message in the format of the withdrawal request message as dispensing amount information, also, the dispensing Based on the withdrawal permission message corresponding to the request message, the message format conversion means for generating a message in the format of the charge permission message, and the second financial institution server device from the first financial institution server device as the destination When the charge request message is received, the message format conversion means converts the message into a withdrawal request message and transfers it, and the withdrawal request message corresponding to the message is sent from the second financial institution server device. An electronic money charge server device comprising: a reply message transfer unit that, upon receipt, converts the received withdrawal permission message into the charge permission message by the message format conversion unit and transfers the converted message.

  As described above, according to the present invention, since the cash card reading terminal charges the electronic money medium by the transaction using the cash card medium, it is possible to charge the cash card reading terminal without taking cash in and out. It can be carried out.

  In addition, according to the present invention, since the transaction using the above-described cash card medium is performed via a financial institution server connection device that can communicate with a plurality of financial institution server devices, an account is stored in the financial institution of the cash card reading terminal. Even if there is not, the electronic money medium can be charged without using cash.

  In addition, according to the present invention, since the financial institution server connection device has a function of converting the data format of the message, each financial institution server device conventionally used for using the electronic money charge system The burden of customization is reduced, and communication processing can be simplified.

  In addition, according to the present invention, since each of the plurality of electronic money media can be charged in one transaction, the user can charge the plurality of electronic money media with a simpler operation. it can. In addition, since the transaction of charging to the electronic money medium and withdrawal with cash can be performed at a time, the user can use the cash card reading terminal more widely.

  Further, according to the present invention, since the charged amount information stored in the electronic money medium can be exchanged, a more convenient electronic money charging system can be provided to the user.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
In the present embodiment, the electronic money is assumed to be prepaid electronic money. Prepaid electronic money refers to electronic money that is used by being charged in advance before use.

<First Embodiment: Configuration>
A first embodiment of the present invention will be described below with reference to the drawings. In the first embodiment, a financial institution (terminal-installed financial institution) installed and operated with a cash card reading terminal such as an ATM terminal, an account corresponding to a cash card medium possessed by a user, and a financial institution (account holding) Financial institution) is the same financial institution, and processing is performed by the same financial institution server device.

  FIG. 1 is a block diagram showing the configuration of the electronic money charge system according to the present embodiment. The electronic money charging system according to the present embodiment includes a cash card medium 100 used by a user, an electronic money medium 150 used by the user, a cash card reading terminal 200, and a terminal-installed finance in which the cash card reading terminal 200 is installed. And a financial institution server device 300 operated by an institution.

  The cash card medium 100 is a medium for storing account identification information for identifying an account such as an identification code of a financial institution, an identification code of a branch (store), and an account number. The cash card medium 100 may be a cash card using a magnetic card, or may be an IC card or a mobile phone equipped with an IC chip for storing account identification information.

  The electronic money medium 150 stores electronic money identification information that is its own identification information, user information, and value (amount information, value information) issued by an electronic money value issuer (issuer) as charged amount information. To do. The electronic money medium 150 includes, for example, a storage unit that stores a value balance, and an IC chip that has a function of reading and writing the stored value according to a signal input from the outside. The electronic money medium 150 may be an IC card including the above-described IC chip, or a mobile phone. Further, the electronic money medium 150 may be a medium that stores values and is readable and writable, not an IC chip.

  The cash card reading terminal 200 reads account identification information stored in the cash card medium 100 and communicates with a financial institution server device 300 that is a server of a terminal-installed financial institution of its own terminal. In the present embodiment, the cash card reading terminal 200 is connected to the financial institution server device 300 through a dedicated network. However, the cash card reading terminal 200 is connected to a financial institution server connection device capable of connecting communications of a plurality of financial institutions. It is good also as a structure connected to the financial institution server apparatus 300 which is a server of the terminal installation financial institution of a self-terminal, and it is good also as a structure connected to the financial institution server apparatus 300 via another network. The cash card reading terminal 200 may be a so-called ATM (Automated Teller Machine) terminal or a CD (Cash Dispenser) terminal. Further, an electronic money charge terminal having a function of reading account identification information stored in such a cash card medium 100 may be used. As shown in FIG. 2, the cash card reading terminal 200 includes a withdrawal unit 210, a cash card reader 220, an electronic money reader / writer 230, a display unit 240, an input unit 250, a charge control unit 260, a charge control unit 260, A request message transmission unit 270.

  The withdrawal unit 210 discharges cash based on the withdrawal instruction. The cash card reader 220 includes a cash card reader 220 as an insertion slot into which the cash card medium 100 is inserted, and reads account identification information stored in the cash card medium 100 inserted into the insertion slot. Note that the cash card reader 220 may read information on a magnetic card as a sliding reader, and when using an IC card having an IC chip for storing account identification information or a cash card medium as a mobile phone. The account identification information may be read by wireless communication. Further, in the present embodiment, the cash card reading terminal 200 includes the withdrawal unit 210. However, when it is not necessary to discharge cash, the withdrawal unit 210 may not be provided. The electronic money reader / writer 230 reads or writes (stores) the identification information and value stored in the electronic money medium 150 by wireless communication. Note that the electronic money reader / writer 230 may contact and read information on the electronic money medium 150, for example, an insertion slot. The display unit 240 is a display that displays an operation status and the like. The input unit 250 inputs information. This input is input from the user via the input device, and is input to each unit described later. The input unit 250 may be, for example, a keyboard or an input device such as a touch panel that functions together with the display unit 240. The user uses the input unit 250 to input a password, charge amount information, and the like.

The charge control unit 260 updates and stores the value stored in the electronic money medium 150 via the electronic money reader / writer 230 based on the charge permission message received from the financial institution server device 300.
The charge request message transmission unit 270 generates a charge request message based on the account identification information read from the cash card medium 100, the charge amount information input by the input unit 250, the electronic money identification information read by the electronic money reader / writer 230, and the like. Then, the data is transmitted to the financial institution server device 300 which is a terminal-installed financial institution of the own terminal.

  The financial institution server device 300 is a server in which a financial institution that installs and operates the cash card reading terminal 200 manages account information corresponding to the cash card medium 100. As shown in FIG. 3, the financial institution server device 300 includes a withdrawal processing unit 310, an account information storage unit 320, a message reception unit 330, and a charge permission / inhibition message transmission unit 350. The withdrawal processing unit 310 performs withdrawal processing based on the input withdrawal request message. The account information storage unit 320 is associated with account identification information such as an account number that uniquely identifies an account, and information such as a user name, user identification information such as a password and biometric information, and user balance information. Is stored as account information. The message receiving unit 330 receives a message transmitted from the cash card reading terminal 200. The charge permission / inhibition message transmission unit 350 transmits a charge permission / inhibition message indicating the charge result generated by the withdrawal processing unit 310 to the cash card reading terminal 200.

<First Embodiment: Operation>
Next, an operation example of the electronic money charge system according to the first embodiment of the present invention will be described with reference to the drawings. First, the operation outline of the electronic money charge system according to the first embodiment of the present invention will be described with reference to the sequence diagram of FIG.
First, when the user causes the cash card reading terminal 200 to read the cash card medium 100 and the electronic money medium 150 and inputs information for charging such as a charge amount, the cash card reading terminal 200 generates a charge request message. Then, the data is transmitted to the financial institution server device 300 (step S100).

  Then, the withdrawal processing unit 310 of the financial institution server device 300 receives the charge request message (step S200), and performs a withdrawal process as an account withdrawal process according to the charge amount read from the charge request message (step S200). S400). When the withdrawal processing is completed, the withdrawal processing unit 310 generates a charge permission / inhibition message. Then, the charge permission / inhibition message transmission unit 350 transmits a charge permission / inhibition message to the cash card reading terminal 200 (step S408). The cash card reading terminal 200 charges the electronic money medium 150 based on the charge permission / inhibition message.

<Step S100: Charge Request Message Transmission Processing of Cash Card Reading Terminal>
Next, the process of each step described above will be described in detail with reference to a flowchart.
5 and 6 are flowcharts showing the charge request message transmission process in step S100 described above. First, the cash card reading terminal 200 displays a transaction type selection screen on the display unit 240 (step S101). As shown in Fig. 7 (a), the transaction type selection screen is for selecting "withdrawal", "deposit", "balance inquiry", "change PIN", "entry passbook", "charge", etc. This is a screen on which items are displayed.

  In accordance with the user's input, the input unit 250 inputs which transaction type to select (step S102). The cash card reading terminal 200 determines which transaction type is the transaction type input by the input unit 250 (step S103). If the input transaction type is other than “charge”, the cash card reading terminal 200 performs a transaction corresponding to the selected transaction type (step S104).

  If the transaction type determined by the cash card reading terminal 200 is “charge” in step S102, the display unit 240 displays a charge method selection screen (step S105). Examples of the charging method include “cash” and “account withdrawal”. The input unit 250 inputs which of the charging methods is selected. If the charging method input by the input unit 250 is “cash”, the cash card reading terminal 200 proceeds to the process of step S111 described later (step S106).

  On the other hand, if the charging method input by the input unit 250 is “account withdrawal”, the cash card reading terminal 200 displays a cash card reading guidance screen showing a message prompting insertion of the cash card medium 100. (Step S107). When the cash card reader 220 reads information stored in the cash card medium 100 inserted by the user (step S108), the display unit 240 displays a personal identification number input screen as shown in FIG. 7B. Then, in accordance with the input from the user, the input unit 250 inputs the password (step S110).

  Then, the display unit 240 displays an electronic money type selection screen for selecting the type of electronic money to be charged, as shown in FIG. The input unit 250 inputs information indicating any electronic money type (step S111). The display unit 240 displays an electronic money reading guide screen corresponding to the electronic money type selected in step S111 as shown in FIG. 7D (step S112).

  When the user brings the electronic money medium 150 closer to the electronic money reader / writer 230, the electronic money reader / writer 230 reads information stored in the electronic money medium 150 (step S113). Here, the display unit 240 displays a message such as “Do you want to charge other electronic money?” (Step S114). Here, when the input unit 250 inputs information indicating that another electronic money is charged, the cash card reading terminal 200 performs the process of step S111 again. Thus, the user can charge several types of electronic money in a single transaction.

  Then, the input unit 250 inputs all electronic money types to be charged. As shown in FIG. 6, if the charging method selected in step S106 is “cash” (step S115), the process proceeds to step S116. On the other hand, if the charging method selected in step S106 is “account withdrawal”, the display unit 240 is a screen for inputting the amount to be charged (account withdrawal amount) as shown in FIG. Is displayed (step S117). The input unit 250 inputs charge amount information, which is information indicating the amount to be charged. Here, in the processing from step S111 to step S114, if it is selected to charge a plurality of electronic money media, the input unit 250 inputs charge amount information for each of the plurality of electronic money.

  The charge control unit 260 determines whether or not the charge amount of electronic money exceeds a predetermined amount (step S118). If the charge amount of electronic money exceeds a predetermined amount, a message such as “The charge amount exceeds the limit. Please enter again” is displayed, and the process of step S117 is performed. Return. As described above, the charge amount for electronic money is permitted only within a predetermined amount.

  When the charge amount of the electronic money is within a predetermined fixed amount range, the charge control unit 260 reads the charge amount information input in step S117 and the electronic money reader / writer 230 reads in step S113. The total value with the balance information of the electronic money medium 150 is calculated (step S119), and if the total value exceeds a predetermined amount (step S120), “the balance after charging exceeds the limit. Please enter again "message is displayed, and the process returns to step S117 again.

  If the total value calculated by the charge control unit 260 in step S119 is within a predetermined amount, the charge control unit 260 charges the total amount of charge (step S121) and a plurality of electronic money. When doing so, the input of the breakdown of each charge amount to the plurality of electronic money is accepted (step S122). The charge request message transmission unit 270 adds the account information read in step S108, the personal identification number input in step S110, the electronic money information read in step S113, and the charge amount information input in steps S121 and S122. Based on this, a charge request message is created (step S123). Then, the charge request message transmission unit 270 transmits the generated charge request message to the financial institution server device 300 (step S124).

<Step S400: Withdrawal Process of Financial Institution Server Device>
FIG. 8 is a flowchart showing the withdrawal process in step S400 described above. The message receiving unit 330 of the financial institution server device 300 receives the charge request message transmitted from the cash card reading terminal 200 (step S401). The withdrawal processing unit 310 reads information such as account identification information and a personal identification number, which are information necessary for withdrawal, from the received charge request message (step S402). The withdrawal processing unit 310 matches the user identification information corresponding to the account identification information stored in the account information storage unit 320 with the account identification information read from the charge request message and the user identification information such as a personal identification number. Cash card user determination processing is performed to determine whether or not to perform, and further processing is performed to determine whether or not the account information is valid. Whether the account information is valid is, for example, whether the account number exists, whether it is a counterfeit card, whether the account has been canceled, or the card is an accident card such as a lost card Whether or not the withdrawal limit per day or once has been exceeded (step S403).

  If the withdrawal processing unit 310 determines that the determination result is NO in the cash card user determination process, a charge rejection message that is a charge permission / inhibition message indicating charge rejection is generated (step S407). On the other hand, if it is determined that the determination result is acceptable in the cash card user determination process in step S403, the withdrawal processing unit 310 reads the withdrawal available balance corresponding to the account identification information from the account information storage unit 320, and uses the charge amount. It is compared with a certain withdrawal amount (step S404).

  If the withdrawal processing unit 310 determines that the amount of charge is larger than the withdrawable balance, the process proceeds to step S407. On the other hand, if the withdrawal processing unit 310 determines that the amount of charge is smaller than the balance that can be withdrawn, the withdrawal processing unit 310 performs a withdrawal process that is a withdrawal process from the account (step S405). Then, the withdrawal processing unit 310 generates a charge permission message, which is a charge permission / inhibition message indicating charge permission (step S406), and transmits the charge permission message to the cash card reading terminal 200 (step S408).

<Step S700: Charge Processing of Cash Card Reading Terminal 200>
FIG. 9 is a flowchart showing the process of step S700 described above. When the cash card reading terminal 200 receives the charge availability message (step S701), the charge control unit 260 reads the availability of the charge availability message (step S702), and indicates whether or not the charge availability message indicates availability. judge.

  If the charge permission / inhibition message indicates NO, the display unit 240 displays a message indicating that the charge is rejected (step S751), and proceeds to step S709 described later. On the other hand, if the charge permission / non-permission message indicates “Yes”, the display unit 240 displays an electronic money reading guidance screen corresponding to the electronic money type selected in step S111 (step S703). When the user brings the electronic money medium 150 close to the electronic money reader / writer 230, the electronic money reader / writer 230 reads information stored in the electronic money medium 150 (step S704). The charge control unit 260 performs an electronic money identity determination process for determining whether the electronic money medium 150 read in step S113 and the electronic money medium 150 read in step S704 have the same electronic money identification information. (Step S705).

  If the charge control unit 260 determines NO in the electronic money identity determination process, the process returns to step S703, and the display unit 240 displays the electronic money reading guidance screen again. On the other hand, if the charge control unit 260 determines that it is possible in the electronic money identity determination process, the electronic money medium 150 stores a charge amount indicated to be permitted by the charge permission message in the electronic money medium 150. The charged amount information (value) charged is added and stored (step S706). If a plurality of electronic money media 150 are selected for charging (step S707), the process returns to step S703, and the display unit 240 displays an electronic money reading guidance screen corresponding to the electronic money type selected in step S111. To do. When the charge control unit 260 completes the charging process for all the electronic money media 150, the display unit 240 displays the charge result on the screen (step S708). Then, the cash card reader 220 ejects the cash card medium 100 inserted in step S108 (step S709), and the process is terminated. Further, after this processing, the charge amount withdrawn in step S405 is transferred from the financial institution server device 300 to the electronic money value issuing device that is the electronic money issuer.

  As described above, according to the present invention, the user can charge the electronic money medium 150 using only the electronic money medium 150 and the cash card medium 100 without using cash. In addition, in the electronic money charging system according to the prior art, one electronic money medium 150 is charged at a time. However, according to the present embodiment, the cash card reading terminal 200 can perform a plurality of transactions in one transaction. Since the electronic money medium 150 can be charged, it is possible to provide an electronic money charging system that is more convenient than conventional ones.

<Second Embodiment>
Next, a second embodiment of the present invention will be described with reference to the drawings. The second embodiment uses a cash card medium having an account in a financial institution (account holding financial institution) different from a financial institution (terminal installation financial institution) that operates by installing a cash card reading terminal such as an ATM terminal. , Do electronic money charge.

  First, an outline of an electronic money charge system according to an embodiment of the present invention will be described with reference to FIG. The user inserts a cash card medium into a cash card reading terminal 200 such as an ATM terminal, and further holds the electronic money medium to input a charge amount (step S1). Here, the cash card medium is a cash card medium that stores account information of a financial institution (account holding financial institution) different from a financial institution (terminal installation financial institution) that installs and operates the cash card reading terminal 200.

The cash card reading terminal 200 transmits the charge request message generated according to the user's input to the financial institution server device 300-1 operated by the terminal-installed financial institution at the end of the cash card reading terminal 200 (step S2).
The financial institution server device 300-1 transmits the received charge request message to the electronic money charge server device 500 (step S3). Based on the received charge request message, the electronic money charge server device 500 generates a withdrawal request message based on a withdrawal request format between other banks that has been conventionally used (step S4). The electronic money charge server device 500 transmits the generated withdrawal request message to the financial institution server device 300-2 of the account holding financial institution via the financial institution server connection device 600 (steps S5 and S6).

  The financial institution server device 300-2 of the account holding financial institution performs account withdrawal (withdrawal processing) based on the received withdrawal request message (step S7). The financial institution server device 300-2 of the account holding financial institution returns a withdrawal permission message to the electronic money charge server device 500 via the financial institution server connection device 600 (steps S8 and S9). The electronic money charge server device 500 converts the withdrawal permission message received into a charge permission message (step S10) and transmits it to the financial institution server device 300-1 (step S11). The financial institution server device 300-1 transfers the charge permission message to the cash card reading terminal 200 (step S12). When receiving the charge permission message, the cash card reading terminal charges the electronic money medium (step S13). The financial institution server device 300-2 of the account-holding financial institution transfers the charge amount withdrawn in step S7 to the electronic money value issuing device 400, which is the electronic money issuer (step S14).

  As described above, according to the present invention, the cash card reading terminal can charge the value to the electronic money medium using the cash card medium with the same operability as the conventional account withdrawal. In addition, the electronic money charge server device mediates transactions between the financial institution server device and the financial institution server connection device, thereby collectively managing fees for transactions between other banks, and subsequent netting by the electronic money charge server device. It is also possible to provide this service (step S15).

<Second Embodiment: Configuration>
The electronic money charge system according to the second embodiment has the same configuration as that of the first embodiment, and the description of the same configuration and processing as those of the first embodiment will be omitted.
FIG. 11 is a block diagram showing the configuration of the electronic money charge system according to the present embodiment. The electronic money charge system according to the present embodiment includes a cash card medium 100 used by a user, a plurality of electronic money media 150 (electronic money medium 150-1 and electronic money medium 150-2) used by the user, a cash A card reader terminal 200, a financial institution server device 300-1 operated by a terminal-installed financial institution in which the cash card reader terminal 200 is installed, a financial institution server device 300-2 that is an account holding financial institution of the cash card medium 100, An electronic money charge server device 500 that can communicate with the financial institution server device 300-1, an electronic money value issuing device 400 in which an issuer who is an issuer of the electronic money medium 150-1 manages information on electronic money, It is a network between other banks that connects the communications of the financial institution server device 300 And a financial institution server connected device 600.

Here, the electronic money medium 150-1 and the electronic money medium 150-2 are electronic money media with different issuers of electronic money.
The electronic money value issuing device 400 manages information on the issued electronic money medium 150. FIG. 14 is a diagram illustrating a configuration of an electronic money value issuing device. The electronic money value issuing device 400 includes a value storage unit 410 and a value control unit 420. The value storage unit 410 stores, in association with electronic money identification information, a balance of value, electronic money user confirmation information for confirming whether the user is the same as a previously stored user, or the like. . The value control unit 420 reads and writes information stored in the value storage unit 410.

  The electronic money charge server device 500 mediates the processing when transmitting and receiving electronic money charge related electronic messages between a plurality of financial institutions. FIG. 12 is a diagram illustrating a configuration of the electronic money charge server device 500. The electronic money charge server device 500 includes a message format conversion unit 510, a fund settlement information calculation unit 520, a transaction record information generation unit 530, a transaction information storage unit 540, and a transaction information control unit 550. The message format conversion unit 510 performs format conversion between the charge request message transmitted from the financial institution server device 300-1 of the terminal-installed financial institution and the withdrawal request message used by the conventional financial institution server device 300. The fund settlement information calculation unit 520 generates fund settlement information based on the transaction information stored in the transaction information storage unit 540. The transaction record information generation unit 530 generates transaction information as return information based on the transaction information stored in the transaction information storage unit 540. The transaction information storage unit 540 stores a transaction message that passes through the electronic money charge server device 500. The transaction information control unit 550 causes the transaction information storage unit 540 to store either or both of a message transferred by the electronic money charge server device 500 and a message transferred by the financial institution server connection device 600. In this embodiment, the electronic money charge server device 500 is provided corresponding to the financial institution server device 300. However, each function provided in the electronic money charge server device 500 is provided in the financial institution server connection device 600. It is also good.

The financial institution server connection apparatus 600 can communicate with the financial institution server apparatus 300 of a plurality of financial institutions, and provides an integrated network that enables transaction communication between other banks. FIG. 13 is a diagram illustrating a configuration of the financial institution server connection device 600. The financial institution server connection device 600 includes a message transfer unit 610, a determination unit 620, and a transmission destination determination unit 630. The message transfer unit 610 transfers messages between other lines. The determination unit 620 determines the message type transferred by the message transfer unit 610. The message type includes a charge request message, a withdrawal request message, and a cash request message. The transmission destination determination unit 630 determines the financial institution server device 300 that is a relay destination of a message based on destination information of various messages.
In this embodiment, the cash card reading terminal 200 is connected to the financial institution server device 300-1 through a dedicated network. However, the cash card reading terminal 200 is connected to the own terminal via the financial institution server connection device 600. It is good also as a structure connected to the financial institution server apparatus 300 which is a server of a terminal installation financial institution of this, and a structure connected to the financial institution server apparatus 300 via another network.

<Second Embodiment: Operation>
Next, an operation example of the electronic money charge system according to the second embodiment of the present invention will be described with reference to the drawings. First, the operation outline of the electronic money charge system according to the second embodiment of the present invention will be described with reference to the sequence diagram of FIG.
First, when the user causes the cash card reading terminal 200 to read the cash card medium 100, the electronic money medium 150-1, and the electronic money medium 150-2 and inputs information for charging such as a charge amount, The terminal 200 generates a charge request message and transmits it to the electronic money charge server device 500 via the financial institution server device 300-1 (step S100).

  When the electronic money charge server device 500 receives the charge request message (step S200), the electronic money charge server device 500 generates a withdrawal request message based on the charge request message, and the financial institution server device 300 via the financial institution server connection device 600. -2 (step S300). The financial institution server device 300-2 performs a withdrawal process based on the received withdrawal request message (step S400).

  When the withdrawal process is completed, the financial institution server device 300-2 generates a withdrawal approval / disapproval message and transmits it to the electronic money charge server device 500 via the financial institution server connection device 600 (step S409). When the electronic money charge server device 500 generates a charge propriety message based on the received withdrawal propriety message, the financial institution server device 300-1 transmits the charge propriety message to the cash card reading terminal 200. (Step S603, Step S700). The cash card reading terminal 200 charges the electronic money medium 150 based on the charge permission message.

  Next, the processing of each step described above will be described in detail. The cash card reading terminal 200 performs the charge request message transmission process according to the flowcharts of FIGS. 5 and 6 as in the first embodiment. At this time, an item “cash + charge” is provided on the transaction type selection screen displayed in step S101. When the input unit 250 selects “cash + charge” according to the user's input, the input unit 250 determines the amount of charge to the electronic money according to the user's input at the input of the breakdown in step S122, Enter a breakdown with the withdrawal amount.

  In step S111, the input unit 250 performs an input indicating that the electronic money medium 150-1 is charged 7000 yen and the electronic money medium 150-2 is charged 3000 yen. In step S123, the charge request message generated by the charge request message transmission unit 270 includes, as shown in FIG. 16A, account withdrawal information indicating that the account withdrawal is 10,000 yen, and an electronic money medium. The first charge amount information indicating that the charge to 150-1 is 7000 yen and the second charge amount information indicating that the charge to the electronic money medium 150-2 is 3000 yen are included. . In addition, the charge request message includes financial institution identification information between the terminal-installed financial institution and the account holding financial institution.

  FIG. 17 is a flowchart showing a message format conversion process performed by the electronic money charge server device 500. When the financial institution server device 300-1 receives the charge request message (step S201), the telegram receiving unit 330 identifies each financial institution identification information between the terminal-installed financial institution included in the charge request message and the account holding financial institution. Are compared (step S202). If the identification information of the terminal-installed financial institution and the identification information of the account holding financial institution are the same, the process proceeds to step S202: YES, and the same processing as in the first embodiment is performed. If the message receiving unit 330 determines that the terminal-installed financial institution and the account holding financial institution are not the same, the message format conversion unit 510 of the electronic money charge server device 500 is indicated in the account withdrawal information of the charge request message. A withdrawal request message with the amount (10000 yen) as the withdrawal request amount is generated (step S204). Here, the withdrawal request message has the same format as the withdrawal request message conventionally used in transactions between other banks.

  Then, the electronic money charge server device 500 transmits a withdrawal request message to the financial institution server connection device 600 (step S205). In this way, even if the financial institution server device 300-2 does not include a function unit that receives a message such as an electronic money charge request message and performs a withdrawal process, the financial institution server device 300- No. 2 may be performed as usual withdrawing processing.

  FIG. 18 is a flowchart showing a message transfer process performed by the financial institution server connection apparatus 600. When the financial institution server connection device 600 receives the withdrawal request message (step S301), the transmission destination determination unit 630 selects the financial institution server device 300-2 that is the relay destination of the withdrawal request message as the transmission destination. (Step S302). The message transfer unit 610 of the financial institution server connection apparatus 600 transmits the received withdrawal request message to the financial institution server apparatus 300-2 (step S303).

  FIG. 19 is a flowchart showing a withdrawal process of the financial institution server device. The withdrawal processing unit 310 receives the withdrawal request message transmitted from the financial institution server connection device 600 (step S401). Thereafter, as with the first embodiment, when a withdrawal permission / inhibition message is generated (steps S406 and S407), it is determined whether the terminal-installed financial institution and the account holding financial institution are the same. If it is determined that the terminal-installed financial institution and the account-holding financial institution are not the same, the withdrawal processing unit 310 transmits a withdrawal approval / disapproval message to the financial institution server connection device 600 (step S409). When the financial institution server connection device 600 receives the withdrawal permission / inhibition message, the financial institution server connection device 600 transmits the withdrawal permission / inhibition message to the electronic money charge server device 500.

  FIG. 20 is a flowchart showing a withdrawal permission / inhibition message transmission process of the electronic money charge server device 500-1. When the electronic money charge server device 500-1 receives a withdrawal permission / inhibition message (step S601), the message format conversion unit 510 generates a charging permission / inhibition message based on the withdrawal permission / inhibition message (step S602). Then, the charge permission / inhibition message transmission unit 350 transmits the charge permission / inhibition message to the cash card reading terminal 200-2 (step S603).

  Thereafter, the same processing as in the first embodiment is followed. FIG. 21 is a flowchart showing the charging process of the cash card reading terminal 200 according to the third embodiment. As in the first embodiment, electronic money is charged (steps S703 to S707), and the charge control unit 260 determines whether or not the transaction type selected in step S102 is “cash + charge”. (Step S708). If the charge control unit 260 determines that the transaction type is not “cash + charge”, the process proceeds to step S710. If the charge control unit 260 determines that the transaction type is “cash + charge”, the withdrawal unit 210 discharges the cash based on the withdrawal amount information of the withdrawal amount (breakdown) (step S709). Then, the display unit 240 displays the charge result on the screen (step S710), and the cash card reader 220 discharges the cash card medium 100 inserted in step S108 (step S711).

<Remaining charge update processing>
Further, the transaction information control unit 550 of the electronic money charge server device 500 stores various types of messages transmitted or received by the own device in the transaction information storage unit 540. The electronic money charge system according to the present embodiment performs a process of reflecting the charge transaction record stored in the transaction information storage unit 540 in the value storage unit 410 of the electronic money value issuing device 400 at an arbitrary timing.

  FIG. 22 is a flowchart showing the remaining charge update process. First, the transaction record information generation unit 530 of the electronic money charge server device 500 extracts a charge transaction record obtained by subtracting the charge request that has been rejected from the message record stored in the transaction information storage unit 540 (step S2201). . Further, in the case where correction transaction information such as charge cancellation is stored in the transaction information storage unit 540, the transaction record information generation unit 530 deletes the charge transaction record based on the correction transaction information (step S2202). .

  Then, the transaction record information generation unit 530 generates return transaction information for each electronic money type (step S2203). The format of the transaction information for return is shown in FIG. The transaction information for return includes electronic money identification information, electronic money type, date and time of charge transaction, transaction amount, and the like. Then, the transaction record information generating unit 530 provides the return transaction information to the electronic money value issuing device 400 (step S2204). The providing method may be transmitted by a secure email or the like, or may be stored in a predetermined server so that it can be downloaded.

  FIG. 24 is a flowchart showing return transaction information reception processing by the electronic money value issuing device 400. The electronic money value issuing device 400 receives the return transaction information (step S2301). Then, the value control unit 420 updates and stores the value stored in the value storage unit 410 based on the received transaction information for return (step S2303). Here, when there is reissuance of the electronic money medium 150 or cancellation of the electronic money medium 150, the value control unit 420 may compensate or return the charge balance (step S2303).

  Such generation of transaction information for return and reflection on the value storage unit 410 of the electronic money value issuing device 400 may be performed each time a charge permission message is transmitted, or may be performed at regular time intervals. It may be performed when a predetermined time is reached.

<Funding transaction processing>
The electronic money charge system according to the present embodiment generates clearing data based on a charge transaction record at a predetermined netting time, and performs a process of reflecting it on the electronic money value issuing device 400 and the financial institution server device 300. .

  FIG. 25 is a flowchart showing clearing data generation processing by the electronic money charge server device 500. When a predetermined netting time (clearing data creation time) arrives (step S2401), the fund settlement information calculation unit 520 of the electronic money charge server device 500 stores the charge transaction record stored in the transaction information storage unit 540. Among them, a charge transaction record from the previous netting time to the current netting time is extracted (step S2402). The fund settlement information calculation unit 520 deletes the charge transaction record that is rejected from the extracted charge transaction record (step S2403). Further, when the corrected transaction information such as the cancellation of the charge is stored in the transaction information storage unit 540, the fund settlement information calculation unit 520 deletes the charge transaction record based on the corrected transaction information (step S2404). .

  Then, the fund settlement information calculation unit 520 calculates a total charge amount for each electronic money issuer based on the charge transaction record (step S2405), and generates charge amount clearing data (step S2406). FIG. 26 is a diagram showing the clearing data generated by the electronic money charge server device 500. Then, the fund settlement information calculation unit 520 provides the charge amount clearing data to the financial institution server device 300 and the electronic money value issuing device 400 of the account holding financial institution (step S2407). The providing method may be transmitted by a secure email or the like, or may be stored in a predetermined server so that it can be downloaded.

  Further, the fund settlement information calculation unit 520 calculates a total cash withdrawal amount for each terminal-installed financial institution based on the charge transaction record (step S2408), and generates cash withdrawal clearing data (step S2409). Then, the fund settlement information calculation unit 520 provides the cash withdrawal clearing data to the financial institution server device 300 of the account holding financial institution and the financial institution server device 300 of the terminal-installed financial institution (step S2410). The providing method may be transmitted by a secure email or the like, or may be stored in a predetermined server so that it can be downloaded.

  FIG. 27 is a flowchart showing a clearing data reception process of the financial institution server device 300-2 which is an account holding financial institution. The financial institution server device 300-2 receives the charge amount clearing data and the cash withdrawal clearing data (steps S2501 and S2502). The financial institution server device 300-2 transfers the total charge amount for each electronic money value issuer of the partner company or the total cash withdrawal amount for each partner-installed financial institution of the partner party to a predetermined designated account (step) S2503). The financial institution server device 300 receives the settlement result (step S2504).

  FIG. 28 is a flowchart showing the clearing data reception process of the electronic money value issuing device 400. The electronic money value issuing device 400 receives the charge amount clearing data (step S2601) and confirms the settlement result (step S2602). FIG. 29 is a flowchart showing the clearing data reception process of the financial institution server device 300-1. The financial institution server device 300-1 of the terminal-installed financial institution receives the cash withdrawal clearing data (step S2701) and confirms the settlement result (step S2702).

  In the above-described processing, a message used for a transaction between other banks is converted into a withdrawal request message by a message format conversion unit 510 of the electronic money charge server device 500, and a message transfer unit of the financial institution server connection device 600. Relayed by 610. Therefore, by reading a telegram relayed by the telegram transfer unit 610, it is possible to utilize information related to transactions performed between financial institutions. For example, in the present embodiment, a charge request message based on account information stored in the cash card medium 100 is transmitted to charge the electronic money medium 150. Until now, in transaction processing when the terminal-installed financial institution installing the cash card reading terminal 200 and the account holding financial institution are different, the terminal-installed financial institution discharges the cash filled in the cash card reading terminal 200 to the user. In addition, funds have been transferred between the terminal-installed financial institution and the account holding financial institution, for example, together with fees. However, in this embodiment, since the electronic money medium 150 is charged, no cash is discharged from the cash card reading terminal 200. Even in such cases, ex-post charges need to be transferred.

  Therefore, the determination unit 620 of the financial institution server connection device 600 reads a message transferred by the message transfer unit 610 and determines whether the message is a transaction related to charging electronic money. This determination may be performed, for example, by reading a transaction type included in a message indicating whether the transaction is cash or electronic money charge, or may be provided with an item for distinguishing between cash and electronic money charge. Then, a special number indicating the charge of electronic money (for example, all 9) may be provided in the branch code or terminal code of the message so that the electronic money charge is identified.

  As described above, according to the present embodiment, even if the user who charges the electronic money medium 150 using the cash card reading terminal 200 does not have an account at the terminal installation financial institution of the cash card reading terminal 200, The electronic money medium 150 and the cash card medium 100 can be charged without using cash.

  Further, in the present embodiment, the electronic money charge server device 500 uses the total charge amount of the charge request message sent to the other line transmitted from the cash card reading terminal 200 as the withdrawal request information, and withdraws in a conventionally used format. Since the request message is generated and transmitted, the financial institution server device 300-2 of the account-holding financial institution can realize the inter-bank charge of the electronic money by performing the conventional withdrawal process.

  That is, the function that the financial institution server device receives and processes the charge request message as described above is a function that does not exist in the past. If all the financial institution server devices 300 do not have such a function, the electronic money charge is performed. If the service cannot be started, it is difficult to start the service. Thus, in this way, the electronic money charge server device 500 replaces the charge request message with a withdrawal request message that is conventionally used, thereby reducing the burden of customization of the financial institution server device 300-2 of the account-holding financial institution. .

In the present embodiment, the electronic money charge server device 500 converts the charge request message to the other line transmitted from the cash card reading terminal 200 into a withdrawal request message in a format used conventionally, and transmits it. Transactions between other banks are possible even if electronic money charging between other banks is performed by transmitting and receiving a charge request message between other banks via the financial institution server connection apparatus 600 without performing a message conversion process. .
Further, according to the present embodiment, the user can charge electronic money and withdraw cash in one transaction, and can more easily perform electronic money charging.

<Third Embodiment: Configuration>
Next, a third embodiment of the present invention will be described with reference to the drawings.
The electronic money charge system according to the third embodiment has the same configuration as that of the second embodiment, and the description of the same configuration and processing as those of the second embodiment will be omitted.

  FIG. 30 is a block diagram showing the configuration of the electronic money charge system according to the present embodiment. The electronic money charging system according to the present embodiment includes a cash card medium 100 used by a user, an electronic money medium 150 used by the user, a cash card reading terminal 200, and a terminal-installed finance in which the cash card reading terminal 200 is installed. A financial institution server device 300-1 operated by an institution, a financial institution server device 300-2 of an account holding financial institution that stores account information corresponding to the cash card medium 100, and an issuing entity that issues an electronic money medium 150. An electronic money value issuing device 400 and a financial institution server connection device 600 are provided.

  FIG. 31 is a diagram showing a configuration of the cash card reading terminal 200 according to the present embodiment. The cash card reading terminal 200 includes a user confirmation request message transmission unit 280, a cash rate storage unit 290, a cash processing unit 291, and a cash request message transmission unit 292. Based on the information read from the electronic money medium 150, the user confirmation request message transmission unit 280 transmits a user confirmation message for confirming the validity of the user of the electronic money medium to the electronic money charge server device 500. . The exchange rate storage unit 290 stores the exchange rate of the value value and the monetary value for each type of the electronic money medium 150. The cash processing unit 291 controls the cash processing in the cash card reading terminal 200. The cash request message transmission unit 292 generates a cash request message and transmits it to the financial institution server device 300-1.

  FIG. 32 is a diagram showing a configuration of the financial institution server device 300-1 according to the present embodiment. The financial institution server device 300 includes a deposit processing unit 360. The deposit processing unit 360 performs a process of depositing the account stored in the account information storage unit 320 based on the received cash request message. Further, the financial institution server device 300-2 has the same configuration as the financial institution server device 300-1.

FIG. 33 is a diagram showing a configuration of the electronic money value issuing device 400 according to the present embodiment. The electronic money value issuing device 400 includes a value storage unit 410, a value control unit 420, and a user confirmation processing unit 430. The value storage unit 410 stores, in association with electronic money identification information, a balance of value, electronic money user confirmation information for confirming whether the user is the same as a previously stored user, or the like. . Here, the electronic money user confirmation information is information for identity verification that the user applied for when applying for electronic money. For example, information such as address, date of birth, biometric information, password, or a combination thereof. It is. The user confirmation processing unit 430 performs electronic money user confirmation processing based on the user confirmation message received from the cash card reading terminal 200.
In the present embodiment as well, as in the second embodiment, the electronic money charge server device 500 is connected to the financial institution server device 300-1, and a message related to the cash transaction is stored in the transaction information storage unit 540. The transaction status can be reduced to fund settlement information and transaction information.

<Third Embodiment: Operation>
Next, an operation example of the electronic money charge system according to the third embodiment of the present invention will be described with reference to the drawings. First, the operation outline of the electronic money charge system according to the third embodiment of the present invention will be described with reference to the sequence diagram of FIG. The sequence diagram of FIG. 34 shows processing when the terminal-installed financial institution and the financial institution server apparatus 300-1 having an account corresponding to the cash card medium 100 used by the user are the same.

  First, when a user causes the cash card reading terminal 200 to read the cash card medium 100 and the electronic money medium 150 and inputs information such as a cash amount, the cash card reading terminal 200 generates a user confirmation request message. It transmits to the financial institution server apparatus 300-1 (step S1100).

  Then, when receiving the user confirmation request message, the financial institution server device 300-1 transmits the user confirmation message to the electronic money value issuing device 400 (step S1200). The electronic money value issuing device 400 performs user confirmation processing based on the received user confirmation request message (step S1300). When the user confirmation processing is completed, the electronic money value issuing device 400 generates a user confirmation result message and transmits it to the financial institution server device 300-1 (step S1307). The financial institution server device 300-1 transmits the received user confirmation result message to the cash card reading terminal 200 (step S1400).

  The cash card reading terminal 200 performs reception processing of the user confirmation result message (step S1500). The cash card reading terminal 200 generates a cash request message, and transmits the cash request message to the financial institution server device 300 (step S1521). When the financial institution server device 300-1 performs a deposit process based on the received cash request message (step S1800), the financial institution server device 300-1 generates a cash propriety message and transmits it to the cash card reading terminal 200-1 (step S1807). The cash card reading terminal 200 performs a process for receiving a cash availability message (step S2100).

  In addition, the sequence diagram of FIG. 35 shows processing when the terminal-installed financial institution is different from the financial institution server device 300-1 having an account corresponding to the cash card medium 100 used by the user. Although it is almost the same as the sequence and processing of FIG. 34, step S1700 in which a cash request message is transmitted to the financial institution server device 300-2, and step S2000 in which the financial institution server device 300-2 transmits a cash availability message as a reply. This processing is different from that in FIG. Here, a message transfer is performed by the financial institution server connection device 600, and the processing is the same as the processing of the financial institution server connection device 600 of the second embodiment.

<Step S1100: User Confirmation Message Transmission Processing of Cash Card Reading Terminal 200>
Next, the process of each step described above will be described in detail with reference to a flowchart.
FIG. 36 is a flowchart showing the process of step S1100 described above. First, the cash card reading terminal 200 displays a transaction type selection screen including a “cash” item on the display unit 240 (step S1101). The input unit 250 inputs information indicating that the “cash” item has been selected. The cash card reading terminal 200 determines which transaction type is the transaction type input by the input unit 250 (step S1102). If the input transaction type is other than “cash”, the cash card reading terminal 200 performs a transaction corresponding to the selected transaction type (step S1103).

  In step S1102, if the transaction type determined by the cash card reading terminal 200 is “Cash”, the display unit 240 displays an electronic money type selection screen for selecting the electronic money type to be converted (Step S1102). S1104). The input unit 250 inputs information indicating which electronic money type has been selected. The display unit 240 displays an electronic money reading guide screen corresponding to the selected electronic money type (step S1105).

  Then, when the user brings the electronic money medium 150 close to the electronic money reader / writer 230, the electronic money reader / writer 230 reads information stored in the electronic money medium 150 (step S1106). The display unit 240 displays a screen for inputting user confirmation information (step S1108). When the input unit 250 inputs user confirmation information, the user confirmation request message transmission unit 280 reads the input user confirmation information (step S1109), and the electronic money identification information read in step S1106 and the user A user confirmation message is generated based on the confirmation information (step S1110). The user confirmation request message transmission unit 280 transmits a user confirmation message to the financial institution server device 300 (step S1111).

<Step S1200: User Confirmation Message Transfer Process of Financial Institution Server 300>
FIG. 37 is a flowchart showing the process of step S1200 described above. The financial institution server device 300-1 receives the user confirmation request message (step S1201). Then, the electronic money value issuing device 400 serving as a relay destination of the user confirmation request message is selected as a transmission destination (step S1202) and transmitted (step S1203).

<Step S1300: User Confirmation Processing of Electronic Money Value Issuing Device 400>
FIG. 38 is a flowchart showing the process of step S1300 described above. The user confirmation processing unit 430 of the electronic money value issuing device 400 receives the user confirmation message (step S1301). The user confirmation processing unit 430 reads electronic money identification information, user confirmation information, and the like from the received user confirmation message (step S1302). The user confirmation processing unit 430 performs electronic money user confirmation processing for determining whether or not the same information as the combination of the read electronic money identification information and user confirmation information is stored in the value storage unit 410. (Step S1303).

  If the user confirmation processing unit 430 determines that the electronic money user confirmation process is acceptable, the user confirmation processing unit 430 generates a user confirmation result (normal) message (step S1305). On the other hand, if the user confirmation processing unit 430 determines NO, the user confirmation processing unit 430 generates a user confirmation result (abnormal) message (step S1306). The electronic money value issuing device 400 transmits the generated user confirmation result message to the financial institution server device 300-1 (step S1307).

<Step S1400: User Confirmation Result Message Transfer Processing of Financial Institution Server Device>
FIG. 39 is a flowchart showing the user confirmation result message transfer process in step S1400 described above. The financial institution server device 300-1 receives the user confirmation result message (step S1401). Then, the financial institution server device 300-1 transfers the received user confirmation result message to the cash card reading terminal 200 (step S1402).

<Step S1500: User Confirmation Result Message Reception Processing of Cash Card Reading Terminal>
FIG. 40 is a flowchart showing the user confirmation result message reception process in step S1500 described above. The cash card reading terminal 200 receives the user confirmation result message (step S1501). The cash processing unit 291 reads the content of the user confirmation result message (step S1502). If the cashing processing unit 291 determines that the user confirmation result message indicates NO, it updates the abnormal number counter of the user confirmation result for counting the abnormal number of the user confirmation result (step S1551).

  If the abnormality number counter does not exceed the predetermined value, the process returns to step S1108 and the user confirmation process is performed again (step S1552: YES). When the abnormal number counter exceeds a predetermined value, the display unit 240-4 displays a transaction uncontinuation screen on which a message indicating that user authentication is not possible is displayed (step S1553).

  On the other hand, in step S1502, if the cash processing unit 291 determines that the user confirmation result message indicates that it is acceptable, the cash processing unit 291 receives rate information corresponding to the type of electronic money to be cashed from the cash rate storage unit 290. Referring to FIG. 5, the value balance of electronic money medium 150 to be converted and the amount that can be converted are calculated when the accompanying points are converted (step S1503). Then, the display unit 240 displays the value balance, the remaining number of accompanying points, and the convertible amount on the screen (step S1504). Then, the display unit 240 displays a screen for selecting a cashing method for depositing the amount after cashing into the account or receiving it in cash (step S1530). When the input unit 250 selects account deposit as the cashing method, the process proceeds to step S1506 in FIG. 41 (step S1530: account deposit).

  Moving to FIG. 41, the display unit 240 displays a screen showing a message prompting insertion of the cash card medium 100 (step S1506). The user inserts the cash card medium 100 into the cash card reader 220. When the cash card reader 220 reads information stored in the inserted cash card medium 100 (step S1507), the display unit 240 displays a password input screen (step S1508), and the user inputs the input unit 250. The personal identification number is input to (Step S1509).

  Then, the display unit 240 displays a redemption amount selection screen for selecting whether the full amount is to be redeemed or the designated amount is redeemed (step S1510). The input unit 250 inputs information indicating whether the entire amount is cashed or the specified amount is cashed. When the full amount is exchanged (step S1511: YES), the process proceeds to step S1513. When redeeming the designated amount, the display unit 240 displays a cash amount designation screen, and the input unit 250 inputs the designated amount (step S1512).

  The cash processing unit 291 accepts the input of the cash amount as provisional reception (step S1513). Then, an electronic money reading guide screen corresponding to the electronic money type selected in step S1104 is displayed (step S1514). When the user brings the electronic money medium 150 close to the electronic money reader / writer 230, the electronic money reader / writer 230 reads information stored in the electronic money medium 150 (step S1515). The cash processing unit 291 performs an electronic money identity determination process for determining whether or not the electronic money medium 150 read in step S1106 and the electronic money medium 150 read in step S1515 have the same electronic money identification information. (Step S1516).

  If the cash processing unit 291 determines NO in the electronic money identity determination process, the process returns to step S1514, and the display unit 240 displays the electronic money reading guidance screen again. On the other hand, if the cash processing unit 291 determines yes in the electronic money identity determination process, the cash processing unit 291 calculates the value balance of the electronic money medium 150 after subtracting the cash amount specified in step S1511. Calculate (step S1517). Then, the electronic money reader / writer 230 updates and stores the value balance of the electronic money medium 150-4 with the value balance calculated in step S1517 (step S1518).

  Thus, the main acceptance of the cashing process is performed (step S1519), and the cashing request message transmission unit 292 uses the account indicated by the account identification information read in step S1507 as the depositing destination, and the cashing amount as the depositing amount. A cash request message is generated (step S1520). The cash request message transmission unit 292 transmits the cash request message to the financial institution server device 300-1 (step S1521).

  On the other hand, when the input unit 250 performs input indicating that “cash receipt” is selected in step S1530 of FIG. 40, the display unit 240 displays the convertible amount calculated by the cashing processing unit 291 in step S1503 ( Step S1531). Then, the display unit 240 displays a cash receiving method selection screen for selecting whether to receive the full amount of cash or the specified amount of cash among the convertible amounts (step S1532).

  The input unit 250 inputs a cash receiving method (step S1553), and if the cash receiving method is “full amount”, the process proceeds to step S1535. On the other hand, when the input unit 250 inputs “specified amount” as the cash receiving method, the display unit 240 displays a conversion amount specifying screen, and the input unit 250 inputs the specified amount (step S1534). The cash processing unit 291 accepts the input of the cash amount as provisional reception (step S1535). The subsequent processing is the same as the processing from step S1514 to step S1519 described above from the step S1536 to the final acceptance processing after the cashing in the step S1541 following the processing in FIG. (Step S1542). Then, the display unit 240 displays the cashing result on the screen (step S1543) and ends the process.

<Step S1800: Deposit processing of financial institution server device>
FIG. 43 is a flowchart showing the process of step S1800 described above. The financial institution server device 300-1 receives the transmitted cash request message (step S1801). Then, the deposit processing unit 360 reads account identification information and a deposit amount from the cash request message (step S1802). Then, the deposit processing unit 360 reads account information corresponding to the account identification information from the account information storage unit 320, performs a cash card user confirmation process, and further performs a process of determining whether or not the account information is valid. Do. Whether the account information is valid is, for example, whether the account number exists, whether it is a counterfeit card, whether the account has been canceled, or the card is an accident card such as a lost card Whether or not the withdrawal limit per day or once has been exceeded (step S1803). If the deposit processing unit 360 determines that the cash card user confirmation processing is not possible, the deposit processing unit 360 generates a deposit permission / inhibition message indicating rejection of the deposit (step S1804), and proceeds to step S1807.

  On the other hand, if the deposit processing unit 360 determines that the cash card user confirmation processing in step S1803 is possible, the deposit processing based on the cash request message is performed (step S1805). That is, the deposit amount indicated in the cash request message is added to the deposit destination indicated in the cash request message. Then, the deposit processing unit 360 generates a deposit permission message as a deposit permission / reject message (step S1806). The deposit processing unit 360 transmits a deposit permission / inhibition message to the cash card reading terminal 200 (step S1807).

<Step S2100: Cash Acceptance Message Reception Processing of Cash Card Reading Terminal 200>
FIG. 43 is a flowchart showing the process of step S2100 described above. The cash card reading terminal 200 receives the deposit approval / disapproval message transmitted from the financial institution server device 300-1 (step S2101). If the depositing permission / inhibition message is information indicating permission (step S2102), the display unit 240 displays a cashing result screen indicating a message indicating successful depositing (step S2103) and proceeds to step S2106. On the other hand, if the deposit acceptance / non-acceptance message is information indicating no, the display unit 240-4 displays a redemption result screen indicating a message indicating that the deposit has failed (step S2104), and the withdrawal unit 210 sets the cash amount as cash. Discharge. The cash card reader 220 ejects the cash card medium 100 inserted in step S1506 (step S2106), and the process ends.

As described above, according to the present embodiment, the value stored in the electronic money medium 150 can be exchanged and deposited into an account corresponding to the cash card medium 100.
As shown in FIG. 36, a financial institution server connection device 600 may be provided to perform the cashing process between other banks. Further, the cash amount may be discharged entirely in cash, or the breakdown of cash and cash using the cash card medium 100 may be specified as the cash breakdown.

<Other embodiments>
Further, the electronic money reader / writer 230 of the cash card reading terminal 200 may read / write the electronic money medium 150 so that the charged amount information stored in the electronic money medium 150 and the points can be mutually converted. The point is value information that is issued at a department store, a gas station, a restaurant, or the like according to the shopping amount, has a property value that can be exchanged for a service or a product, and is represented by a numerical value, for example. The cash card reading terminal 200 stores the conversion rate for each electronic money type and each point type, and the electronic money reader / writer 230 writes the conversion result in the electronic money medium 150 in accordance with the conversion rate. Such point conversion may be exchangeable between different electronic money types. Further, the exchanged information may be configured to be provided to the financial institution server device 300 and the electronic money value issuing device 400. In this way, value or point value conversion can be performed according to the purpose of use, and the convenience of the electronic money medium 150 is improved.

  Conventionally, the value information and the usage history information stored in the electronic money medium 150 have no or limited inquiry means. Therefore, the cash card reading terminal 200 may be provided with a function for the electronic money reader / writer 230 to read information such as a value balance and an accompanying point balance stored in the electronic money medium 150 and display the information on the display unit 240. In addition, for example, when the electronic money medium 150 is charged, the inquiry method is such that the cash card reading terminal 200 communicates with the electronic money value issuing device 400, and the electronic money value issuing device 400 has balance information of the electronic money medium 150, etc. Send. Thus, the electronic money value issuing device 400 stores the electronic money information transmitted to the electronic money value issuing device 400 as a history. For example, the electronic money value issuing device 400 provides the electronic money information to a predetermined mobile phone or the like. It may be possible to inquire about the usage history on the website.

  In addition, the cash card reading terminal 200 communicates with the electronic money value issuing device 400 during or after the electronic money medium 150 is charged, so that the electronic money medium 150 being traded or the electronic money medium 150 being traded is exchanged. Provide a function to display advertisement information and campaign information according to RFM (Recency, Frequency, Monetary) information (latest purchase date, purchase frequency, purchase price) on the user on the display unit 240 of the cash card reading terminal 200. May be. At this time, each user may be ranked according to the RFM information (for example, A rank, B rank), and an advertisement to be provided may be selected according to such rank information. Such advertisement information may be transmitted to a predetermined mobile phone terminal or the like. In this way, an advertisement that matches the purchasing characteristics of the user of the electronic money medium 150 can be performed.

In addition, the cash card reading terminal 200 communicates with the electronic money value issuing device 400 during or after the electronic money medium 150 is charged, so that the electronic money medium 200 is located near the place where the cash card reading terminal 200 is installed. Information on stores where the medium 150 can be used may be displayed on the display unit 240. In this way, advertisement according to the location of the ATM terminal or the like can be performed. Further, the advertisement information can be efficiently provided during the processing waiting time during the charge transaction by the user.
In addition, the above-described charging process may be performed using a mobile terminal such as a mobile phone, a PC including an electronic money reader / writer terminal, or an electronic money reader / writer terminal. You may go by Internet TV etc.

  As described above, according to the present invention, a user can charge a value to an electronic money medium by debiting a cash card with the same operability as a conventional account withdrawal using a cash card reading terminal. Is. In addition, the electronic money charge server device mediates transactions between the financial institution server device and the financial institution server connection device, thereby collectively managing fees for inter-bank transactions, and subsequent netting by the electronic money charge server device. It is also possible to provide services.

  In addition, according to the present invention, electronic money can be charged by the electronic money medium 150 and the cash card medium 100, and the cash card reading terminal 200 has less chances of taking and taking out cash. Can reduce cash. According to this, the surplus cash can be used for another purpose. In addition, reducing the amount of cash charged in the financial institution server device 300 in the city is also effective in terms of safety. Furthermore, in current ATM terminals, troubles occur when cash is taken in and out, and considerable costs are required for dealing with them. According to the present invention, such costs can be reduced.

  It should be noted that a program for realizing the function of the processing unit in the present invention is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into a computer system and executed to execute electronic money charging. You may go. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, what is called a difference file (difference program) may be sufficient.

It is a block diagram which shows the structure of the electronic money charge system by the 1st Embodiment of this invention. It is a block diagram which shows the cash card reading terminal by the 1st Embodiment of this invention. It is a block diagram which shows the financial institution server apparatus by the 1st Embodiment of this invention. It is a sequence diagram which shows the operation example of the electronic money charge system by the 1st Embodiment of this invention. It is a flowchart which shows the charge request message transmission process by the 1st Embodiment of this invention. It is a flowchart which shows the charge request message transmission process by the 1st Embodiment of this invention. It is a figure which shows the example of a screen by the 1st Embodiment of this invention. It is a flowchart which shows the payment process by the 1st Embodiment of this invention. It is a flowchart which shows the charge process by the 1st Embodiment of this invention. It is a figure which shows the outline | summary of the electronic money charge system by the 2nd Embodiment of this invention. It is a block diagram which shows the structure of the electronic money charge system by the 2nd Embodiment of this invention. It is a figure which shows the structure of the electronic money charge server apparatus by the 2nd Embodiment of this invention. It is a figure which shows the structure of the financial institution server connection apparatus by the 2nd Embodiment of this invention. The figure which shows the structure of the electronic money value issuing apparatus by the 2nd Embodiment of this invention. It is a sequence diagram which shows the operation example of the electronic money charge system by the 2nd Embodiment of this invention. It is a figure which shows the content of the message | telegram by the 2nd Embodiment of this invention. It is a flowchart which shows the message | telegram format conversion process by the 2nd Embodiment of this invention. It is a flowchart which shows the message | telegram transfer process by the 2nd Embodiment of this invention. It is a flowchart which shows the payment process by the 2nd Embodiment of this invention. It is a flowchart which shows the withdrawal permission transmission message transmission process by the 2nd Embodiment of this invention. It is a flowchart which shows the charge process by the 2nd Embodiment of this invention. It is a flowchart which shows the charge remaining amount update process by the 2nd Embodiment of this invention. It is a figure which shows the format of the transaction information for return by the 2nd Embodiment of this invention. It is a flowchart which shows the transaction information reception process for return by the 2nd Embodiment of this invention. It is a flowchart which shows the clearing data generation process by the 2nd Embodiment of this invention. It is a figure which shows the clearing data by the 2nd Embodiment of this invention. It is a flowchart which shows the clearing data reception process by the 2nd Embodiment of this invention. It is a flowchart which shows the clearing data reception process by the 2nd Embodiment of this invention. It is a flowchart which shows the clearing data reception process by the 2nd Embodiment of this invention. It is a block diagram which shows the structure of the electronic money charge system by the 3rd Embodiment of this invention. It is a figure which shows the structure of the cash card reading terminal by the 3rd Embodiment of this invention. It is a figure which shows the structure of the financial institution server apparatus by the 3rd Embodiment of this invention. It is a figure which shows the structure of the electronic money value issuing apparatus by the 3rd Embodiment of this invention. It is a sequence diagram which shows the operation example of the electronic money charge system by the 3rd Embodiment of this invention. It is a sequence diagram which shows the operation example of the electronic money charge system by the 3rd Embodiment of this invention. It is a flowchart which shows the user confirmation request message transmission process by the 3rd Embodiment of this invention. It is a flowchart which shows the user confirmation request process by the 3rd Embodiment of this invention. It is a flowchart which shows the user confirmation process by the 3rd Embodiment of this invention. It is a flowchart which shows the user confirmation result transmission process by the 3rd Embodiment of this invention. It is a flowchart which shows the cashing request process by the 3rd Embodiment of this invention. It is a flowchart which shows the cashing request process by the 3rd Embodiment of this invention. It is a flowchart which shows the cashing request process by the 3rd Embodiment of this invention. It is a flowchart which shows the money_receiving | payment process by the 3rd Embodiment of this invention. It is a flowchart which shows the cash acceptance / reception message reception process by the 3rd Embodiment of this invention.

Explanation of symbols

100 cash card medium 150 electronic money medium 200 cash card reading terminal 210 withdrawal unit 220 cash card reader 230 electronic money reader / writer 240 display unit 250 input unit 260 charge control unit 270 charge request message transmission unit 280 user confirmation request message transmission unit 290 Exchange rate storage unit 291 Exchange processing unit 292 Exchange request message transmission unit 300 Financial institution server device 310 Withdrawal processing unit 320 Account information storage unit 330 Message reception unit 350 Charge acceptability message transmission unit 360 Deposit processing unit 400 Electronic money value issuing device 410 Value storage unit 420 Value control unit 430 User confirmation processing unit 500 Electronic money charge server device 510 Message format conversion unit 520 Fund settlement information calculation unit 530 Transaction record information generation Unit 540 transaction information storage unit 550 transaction information control unit 600 financial institution server connection device 610 message transfer unit 620 determination unit

Claims (10)

A storage medium for storing account identification information for identifying an account of a financial institution, and a withdrawal request message generated based on the account identification information and input withdrawal amount information by reading the account identification information from the storage medium It has an account information reading terminal to be transmitted to the institution server device and an account information storage unit for storing account information including balance information of the user, receives the withdrawal request message, and corresponds to the received withdrawal request message An electronic money charging system comprising the financial institution server device for performing a withdrawal process and an electronic money medium for storing charged amount information indicating an available amount,
The account information reading terminal is
An electronic money reader / writer that reads and writes each charged amount information stored in a plurality of the electronic money media;
Input means for inputting charge amount information to each of the plurality of electronic money media ;
Amounts wherein the indicating charge amount information is input to each of the plurality of electronic money medium, the charge amount information beforehand range der a defined amount is, and is input for each of the plurality of electronic money medium A charge that includes the charge amount information corresponding to each of the plurality of electronic money media and the account identification information read from the storage medium when the total amount of money is within a predetermined total amount range. A first message transmission means for generating a request message as the withdrawal request message, and transmitting the generated withdrawal request message to the financial institution server device;
In response to the charge request message transmitted by the first message transmission means, when a charge permission message is received from the financial institution server device, the plurality of electronic money media are transmitted via the electronic money reader / writer . charge amount paid information stored in each and a charge control means for updating and storing, based on the charge amount information,
The financial institution server device
And a permission message transmitting means for generating the charge permission message and transmitting the generated charge permission message to the account information reading terminal when the withdrawal process is performed based on the received charge request message. An electronic money charge system characterized by The electronic money charge system further includes a financial institution server connection device capable of communicating with a plurality of financial institution server devices,
The first financial institution server device
The account corresponding to the account identification information based on the charge request message when the account information corresponding to the account identification information included in the received charge request message does not exist in the account information storage unit of the device. A second message transmitting means for transmitting the charge request message to the financial institution server connection device, with the second financial institution server device storing information as a destination;
The permission message transmission means provided in the first financial institution server device receives the charge permission message from the financial institution server connection device in response to the charge request message transmitted by the second message transmission means. Send a charge permission message to the account information reading terminal,
The financial institution server connection device is:
When receiving the charge request message, a message transfer means for transmitting the charge request message to a second financial institution server device that stores account information included in the charge request message;
Upon receiving a charge permission message corresponding to the charge request message from the second financial institution server device, permission message transfer means for transmitting the received charge permission message to the first financial institution server device; The electronic money charge system according to claim 1, further comprising: The charge amount information included in the charge request message received from the first financial institution server device is converted into the withdrawal request message format received by the financial institution server connection device as withdrawal amount information, and An electronic money charge server device having a message format conversion means for converting a withdrawal permission message received from the financial institution server connection device into a format of the charge permission message transmitted to the first financial institution server device;
The message transfer means receives the withdrawal request message converted by the message format conversion means from the electronic money charge server device, transfers the received withdrawal request message to the second financial institution server device,
The permission message transfer means receives the withdrawal permission message from the second financial institution server device in response to the withdrawal request message transferred by the message transfer means, and sends the received withdrawal permission message to the The electronic money charge system according to claim 2, wherein the electronic money charge system is transferred to an electronic money charge server device. Of the account information reading terminal,
The input means includes
Input charge amount information indicating the amount to be charged to the electronic money medium and cash withdrawal amount information indicating an amount to be withdrawn with cash,
The account information reading terminal is
The electronic money charge system according to any one of claims 1 to 3 , further comprising a withdrawal unit that discharges an amount of cash corresponding to the cash withdrawal amount information. The electronic money charge system further comprises an electronic money value issuing device comprising an electronic money user information storage unit for storing information of users of the electronic money medium,
Of the account information reading terminal,
The input means includes
Input cash amount information for cashing electronic money and user identification information for identifying a user of the electronic money medium,
The account information reading terminal is
A user confirmation message transmitting means for generating user confirmation request message information based on the identification information of the electronic money medium and the user identification information and transmitting the message to the electronic money value issuing device;
In response to the user confirmation request message information transmitted by the user confirmation message transmission means, when receiving the user confirmation result message information indicating that the user is valid from the electronic money value issuing device, Cash corresponding to the money amount information is discharged or the money amount corresponding to the money amount information is used as money amount information, and cash request message information including the account identification information and the money amount information read from the storage medium is generated. The electronic money charge system according to any one of claims 1 to 4 , further comprising: a cash control unit that transmits the data to the financial institution server device. It has an account information storage unit that stores account information including balance information of the user, receives a withdrawal request message including withdrawal request amount information, and performs a withdrawal process corresponding to the received withdrawal request message. Communication with the financial institution server device is possible, the account identification information stored in the storage medium is read, and a withdrawal request message generated based on the account identification information and the input withdrawal amount information is transmitted to the financial institution server device An account information reading terminal,
An electronic money reader / writer that reads and writes each charged amount information stored in a plurality of electronic money media that stores charged amount information indicating an available amount;
Input means for inputting charge amount information to each of the plurality of electronic money media ;
Amounts wherein the indicating charge amount information is input to each of the plurality of electronic money medium, the charge amount information beforehand range der a defined amount is, and is input for each of the plurality of electronic money medium A charge that includes the charge amount information corresponding to each of the plurality of electronic money media and the account identification information read from the storage medium when the total amount of money is within a predetermined total amount range. A first message transmission means for generating a request message as the withdrawal request message, and transmitting the generated withdrawal request message to the financial institution server device;
In response to the charge request message transmitted by the first message transmission means, when a charge permission message is received from the financial institution server device, the plurality of electronic money media are transmitted via the electronic money reader / writer . An account information reading terminal comprising charge control means for updating and storing charged amount information stored in each of the information based on the charged amount information. The electronic money reader / writer is
Read and write each charged amount information stored in multiple electronic money media,
The input means includes
Input charge amount information indicating the amount of money to be charged to each of the plurality of electronic money media,
The first message transmission means includes:
A plurality of charge request messages including the account information read from the storage medium and charge amount information corresponding to each of the plurality of electronic money media are generated and transmitted to the financial institution server device;
The charge control means includes
A plurality of charge permission messages corresponding to each of a plurality of charge request messages transmitted by the first message transmission means are received from the financial institution server device, and the plurality of electronic money media via the electronic money reader / writer The account information reading terminal according to claim 6 , wherein the charged amount information stored in each is updated and stored based on the corresponding charged amount information. The input means includes
Input charge amount information indicating the amount to be charged to the electronic money medium and cash withdrawal amount information indicating an amount to be withdrawn with cash,
The account information reading terminal is
Account information reading terminal according to claim 6 or claim 7, characterized in that it further comprises a dispensing means for discharging cash amount corresponding to the cash withdrawal amount information. The input means includes
Input cash amount information for cashing electronic money and user identification information for identifying a user of the electronic money medium,
Electronic money comprising an electronic money user information storage unit that generates user confirmation request message information based on the identification information of the electronic money medium and the user identification information, and stores the information of the user of the electronic money medium A user confirmation message transmission means for transmitting to the value issuing device;
In response to the user confirmation request message information transmitted by the user confirmation message transmission means, when receiving the user confirmation result message information indicating that the user is valid from the electronic money value issuing device, Cash corresponding to the money amount information is discharged or the money amount corresponding to the money amount information is used as money amount information, and cash request message information including the account identification information and the money amount information read from the storage medium is generated. The account information reading terminal according to any one of claims 6 to 8 , further comprising: a cash control unit that transmits the information to the financial institution server device. An electronic money charge server device that receives a message transmitted from a first financial institution server device and transfers the message to a second financial institution server device,
Charge amount information input to the account information reading terminal, the amount indicated by the charge amount information input for each of the plurality of electronic money media is a predetermined amount for each of the plurality of electronic money media range der is, and the total amount of money indicated by the charge amount information entered is the case in the range of the total amount of predetermined, contained in the charge request message received from the first financial institution server device A charge request message corresponding to each of the plurality of electronic money media is generated as a withdrawal amount information, and a withdrawal request message corresponding to the withdrawal request message is generated. Based on the message format conversion means for generating a message in the format of the charge permission message,
A message transfer means for receiving, from the first financial institution server device, the charge request message destined for the second financial institution server device, and converting and transferring it to a withdrawal request message by the message format conversion means; ,
When a withdrawal permission message corresponding to the message is received from the second financial institution server device, the received permission message is converted into the charge permission message by the message format conversion means and transferred. Transfer means;
An electronic money charge server device comprising:

Images