JP5648272B2 - Information processing device - Google Patents

Description

  The present invention relates to an information processing apparatus. More specifically, in a specific ATM specified by the user, it is possible to make transactions automatically by associating a bank account etc. with a card with an IC chip that charges electronic money, etc. It is related with the technique which enables it to improve.

  In general, in order to charge electronic money, it was necessary to exchange cash directly or to conduct transactions after authenticating each account. Disclosed is a technology for automatically replenishing an electronic money balance when a user uses an electronic money card integrated with a cash card for transaction or settlement of an account in an ATM or a connection terminal capable of transmitting / receiving data to / from a server. (For example, refer to Patent Document 1).

JP 2002-342680 A

  However, problems such as the following [1] and [2] occur when using technology that directly exchanges cash or performs transactions after authenticating one's own account. To do.

[1] Users who frequently use electronic money need to be recharged frequently every time the amount of money is reduced, and it takes time and effort, so the convenience of the original electronic money has been reduced.

[2] There is a service that automatically charges electronic money when the balance is less than a certain amount at a ticket gate at a station, etc., but when such electronic money is lost, from which terminal until the setting is stopped Also had a big security risk of being charged. A similar problem has occurred when the technique disclosed in Patent Document 1 described above is used.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a technique capable of reducing the burden of a user performing charging while improving security. It is in.

  In order to solve the above problem, according to a certain aspect of the present invention, for identifying a charge source identification information for identifying a charge source for storing a first balance and a charge destination for storing a second balance. Charge destination identification information capable of reading charge destination identification information from a registration information storage unit that stores registration information associated with charge destination identification information and a charge destination information management medium that manages charge destination identification information Registration information associated with the reading unit, the charging destination identification information acquisition unit that acquires the charging destination identification information read by the charging destination identification information reading unit, and the charging destination identification information acquired by the charging destination identification information acquisition unit A charge availability determination unit that acquires charge source identification information registered in the storage unit, and a charge acquired by the charge availability determination unit Executed by subtracting a predetermined amount from the first balance stored by the charge source identified by the identification information and adding a predetermined amount to the second balance stored by the charge destination identified by the charge destination identification information And a charge processing unit that controls the charge processing to be performed.

  The information processing apparatus includes a charge source identification information reading unit capable of reading charge source identification information from a charge source information management medium that manages charge source identification information, and a charge source identification read by the charge source identification information reading unit. A registration information obtained by associating the charge source identification information acquisition unit that acquires information, the charge destination identification information acquired by the charge destination identification information acquisition unit, and the charge source identification information acquired by the charge source identification information acquisition unit. It is good also as providing further the registration process part registered into a registration information storage part.

  The charge destination information management medium further manages the second balance and, upon receiving a predetermined amount from the information processing device, adds the received predetermined amount to the second balance. When the charge source identification information and the predetermined amount are received from the information processing apparatus, the first balance is received from the first balance managed in association with the received charge source identification information. The charge source information management device for subtracting the predetermined amount is further provided with a charge destination information update unit capable of transmitting the predetermined amount to the charge destination information management medium, the charge processing unit, A predetermined amount is transmitted to the charge destination information management medium via the charge destination information update unit, and the charge source identification information and the predetermined amount are transmitted to the charge source information management device via the communication unit. It may control the charge processing by.

  According to another aspect of the present invention, the communication unit, the charge source identification information for identifying the charge source storing the first balance, and the charge for identifying the charge destination storing the second balance A registration information storage unit for storing registration information in which destination identification information is associated with chargeable device identification information for identifying a device capable of charging; and charge destination identification information via a communication unit Registration that returns the charge source identification information stored in the registration information storage unit in association with the charge destination identification information and the chargeable device identification information via the communication unit. An information processing apparatus capable of communicating with an information management apparatus provided with an information return unit, and a self-device identification information storage for storing self-device identification information for identifying the communication unit and the self-device The charge destination identification information reading unit capable of reading the charge destination identification information from the charge destination information management medium for managing the charge destination identification information, and the charge destination identification information read by the charge destination identification information reading unit. Charge destination identification information acquisition unit, own device identification information acquisition unit for acquiring own device identification information from the own device identification information storage unit, and charge destination identification information and own device identification information acquired by the charge destination identification information acquisition unit The device identification information acquired by the acquisition unit is transmitted to the information management device via the communication unit, and the charge source identification information corresponding to the charge destination identification information and the device identification information is transmitted from the information management device via the communication unit. Charge availability determination unit that acquires the charge source, and the charge source identified by the charge source identification information acquired by the charge availability determination unit A charge process for controlling a charge process executed by subtracting a predetermined amount from the stored first balance and adding a predetermined amount to the second balance stored by the charge destination identified by the charge destination identification information An information processing device comprising: a unit.

  When receiving the registration information from the information processing device via the communication unit, the information management device further includes a registration execution unit that registers the received registration information in the registration information storage unit, and the information processing device manages the charge source identification information. A charge source identification information reading unit capable of reading the charge source identification information from the charge source information management medium, a charge source identification information acquiring unit for acquiring the charge source identification information read by the charge source identification information reading unit, The registration information in which the charge destination identification information acquired by the charge destination identification information acquisition unit and the charge source identification information acquired by the charge source identification information acquisition unit are associated is transmitted to the information management apparatus via the communication unit. It is good also as providing further the registration process part to perform.

  As described above, according to the present invention, it is possible to reduce the trouble for the user to charge while improving security.

It is a figure which shows the structure of the automatic charge system which concerns on this embodiment. It is a figure which shows the function structure of an automation apparatus. It is a block diagram of the IC chip which exists in the inside of a medium with an IC chip. It is a figure which shows the function structure of an IC chip-terminal mapping server. It is a figure which shows the function structure of an account host. It is a figure which shows the structural example of charge source information. It is a figure which shows the structural example of registration information. It is a flowchart which shows the flow of a process which registers registration information. It is a flowchart which shows the flow of a charge process.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

<First Embodiment>
[Description of configuration]
FIG. 1 is a diagram showing a configuration of an automatic charging system according to the present embodiment. An automation device 100 shown in FIG. 1 is a general automation device terminal as an example of an information processing device. For example, a central control device (a general CPU (Central Processing Unit) for controlling the entire terminal), Storage device (general memory for storing data and programs), auxiliary storage device (general hard disk for storing data and programs outside the storage device), input / output device (input / output to terminal) For example, a general touch panel (display), a card reading machine, a cash deposit / withdrawal machine, a statement slip issuing machine, and a connection interface (LAN, USB, etc.). A specific example is an automatic teller machine (ATM), and in this document, ATM is described synonymously with an automated equipment terminal without particular distinction.

  An IC chip-attached medium 200 shown in FIG. 1 is a medium having a general IC chip 200a as an example of a charge destination information management medium, and can perform contact communication or non-contact communication. Many are distributed by card, but in recent years it has also been provided in mobile terminals.

  The IC chip-terminal mapping server 300 shown in FIG. 1 is a general computer as an example of an information management device. For example, a central control device (a general CPU for controlling the entire terminal), a storage device ( General memory for storing data and programs), auxiliary storage device (general hard disk for storing data and programs outside the storage device), input / output device (general for input / output to terminals) Keyboard, mouse, display, and connection interface (LAN, USB, etc.). The IC chip-terminal mapping server 300 checks the automation device terminal, the charge source information such as the cash card previously registered, and the IC chip information of the charge destination, and determines whether or not there is a corresponding one for the automation device terminal. , With the ability to respond.

  The DB (DataBase) 350 is a general database system as an example of a registration information storage unit. Typically, Oracle DataBase, Microsoft (registered trademark) SQL Server, various directory servers (Novel NDS, Microsoft Active Directory). ) Etc. can be used.

  The account host 400 shown in FIG. 1 is a general computer as an example of a charge source information management device. For example, a central control device (a general CPU for controlling the entire terminal), a storage device (data and data A general memory for storing a program), an auxiliary storage device (a general hard disk for storing data and programs outside the storage device), and a connection interface (LAN, USB, etc.)). The account host 400 has a function of managing charge source information.

  The first communication line 500 shown in FIG. 1 only needs to be able to transmit and receive data between the automation device 100 and the IC chip-terminal mapping server 300. Any method such as the Internet, a public line, a dedicated line, etc. It does not matter if it goes through a simple line. Further, it may be a direct connection such as a LAN or a wireless LAN.

  The second communication line 600 shown in FIG. 1 only needs to be able to transmit and receive data between the automation device 100 and the IC chip-attached medium 200. Any line such as the Internet, a public line, a dedicated line, etc. You can also go through. Further, it may be a direct connection such as a LAN or a wireless LAN. In this embodiment, for convenience, the automated device 100 and the IC chip-attached medium 200 are configured to transmit and receive data wirelessly.

  FIG. 2 is a diagram illustrating a functional configuration of the automated device. As shown in FIG. 2, the automated device 100 includes at least a communication unit 110, a charge destination identification information reading unit 140, a control unit 150, and a storage unit 160.

  The charge destination identification information reading unit 140 can read the charge destination identification information from a charge destination information management medium that manages the charge destination identification information. As the charge destination information management medium, for example, a card used for electronic money can be used. In this embodiment, the medium 200 with an IC chip is used. As the charge destination identification information, for example, an IC chip number for uniquely identifying the IC chip 200a attached to the IC chip-attached medium 200 can be used.

  The communication unit 110 includes, for example, a communication device and can communicate with various devices connected to the first communication line 500. For example, the communication unit 110 can communicate with the IC chip-terminal mapping server 300 via the first communication line 500 and communicate with the billing host 400 via the first communication line 500. Is possible.

  The storage unit 160 is configured by a storage device such as an HDD (Hard Disk Drive), for example, and functions as an own device identification information storage unit that stores own device identification information 161 for identifying the own device, for example. Note that when the device identification information 161 is not used, the storage unit 160 does not need to store the device identification information 161 in particular. In addition, the storage unit 160 has a function of storing a program executed by the control unit 150 and a function of storing data used by the program. Here, for the device identification information 161, for example, hardware-specific ID information such as a MAC address (Media Access Control address) of the communication unit 110 may be used.

  The control unit 150 includes at least a charging unit 152. The charging unit 152 includes a charging destination identification information acquisition unit 1521, a self device identification information acquisition unit 1522, a charge availability determination unit 1523, and a charge processing unit 1524. It is what has. For example, the control unit 150 is configured by a CPU or the like, and the CPU stores the program stored in the storage unit 160 in a RAM (Random Access Memory) (not shown) included in the automation device 100 and executes the expanded program. This function is realized.

  The charge destination identification information acquisition unit 1521 has a function of acquiring the charge destination identification information read by the charge destination identification information reading unit 140.

  The own device identification information acquisition unit 1522 has a function of acquiring the own device identification information 161 from the storage unit 160. In addition, when the own apparatus identification information acquisition part 1522 is not used, the control part 150 does not need to have the own apparatus identification information acquisition part 1522 in particular.

  The charge permission / inhibition determination unit 1523 uses the communication unit 110 to connect the charge destination identification information acquired by the charge destination identification information acquisition unit 1521 and the own device identification information 161 acquired by the own device identification information acquisition unit 1522 to the IC chip. This has a function of transmitting to the terminal mapping server 300. The charge availability determination unit 1523 has a function of acquiring charge source identification information corresponding to the charge destination identification information and the own device identification information 161 from the IC chip-terminal mapping server 300 via the communication unit 110. .

  When the charge availability determination unit 1523 does not acquire the charge source identification information corresponding to the charge destination identification information and the own device identification information 161 from the IC chip-terminal mapping server 300 via the communication unit 110, the display unit A warning indicating that there is no charge source may be displayed at 170.

  The charge processing unit 1524 has a function of subtracting a predetermined amount from the first balance stored by the charge source identified by the charge source identification information acquired by the charge availability determination unit 1523. In addition, the charge processing unit 1524 subtracts a predetermined amount from the first balance and adds the predetermined amount to the second balance stored by the charge destination identified by the charge destination identification information. It has a function to control processing. It is assumed that the predetermined amount subtracted from the first balance and the predetermined amount added to the second balance are the same amount. As the predetermined amount, for example, a charge amount per time can be used.

  Here, when the IC chip-terminal mapping server 300 receives registration information from the automation device 100 via the communication unit 310, it is assumed that the IC chip-terminal mapping server 300 further includes a registration execution unit 321 that registers the received registration information in the DB 350. The In that case, the automated device 100 further includes a charge source identification information reading unit 130, the control unit 150 further includes a registration unit 151, and the registration unit 151 includes a charge source identification information acquisition unit 1511, a charge destination, and the like. It is good also as having the identification information acquisition part 1513 and the registration process part 1516. FIG.

  The charge source identification information reading unit 130 can read the charge source identification information from the charge source information management medium that manages the charge source identification information. The charge source identification information includes, for example, bank information (bank identification ID, bank name, etc.) for identifying a bank and an account number. As the charge source information management medium, a user card or the like that stores bank information and an account number can be used. The method of storing the charge source identification information by the charge source information management medium is not particularly limited, and a memory attached to the charge source information management medium may be stored, and is attached to the charge source information management medium. A magnetic stripe may be stored.

  The charge source identification information acquisition unit 1511 has a function of acquiring the charge source identification information read by the charge source identification information reading unit 130. The charge destination identification information acquisition unit 1513 has a function of acquiring the charge destination identification information read by the charge destination identification information reading unit 140. Since the charge destination identification information acquisition unit 1513 has substantially the same function as the charge destination identification information acquisition unit 1521, the charge destination identification information acquisition unit 1513 and the charge destination identification information acquisition unit 1521 may or may not be distinguished. May be.

  The registration processing unit 1516 displays registration information obtained by associating the charge destination identification information acquired by the charge destination identification information acquisition unit 1521 with the charge source identification information acquired by the charge source identification information acquisition unit 1511. The function of transmitting to the IC chip-terminal mapping server 300 via

  The charge destination information management medium (for example, the IC chip-attached medium 200) further manages the second balance, and when receiving a predetermined amount from the automation device 100, adds the received predetermined amount to the second balance. May have. Further, the charge source information management device (for example, the account host 400) manages the charge source identification information and the first balance in association with each other, and receives the charge source identification information and a predetermined amount from the automation device 100. There may be a function of subtracting a predetermined amount received from the first balance managed in association with the received charge source identification information. Further, the automated device 100 may further be able to communicate with a charge source information management device (for example, the billing host 400). In these cases, the automated device 100 may include the charge destination information update unit 180, and the charge processing unit 1524 may control charge processing as described below.

  The charge destination information update unit 180 can transmit a predetermined amount to a charge destination information management medium (for example, the IC chip-attached medium 200). The charge processing unit 1524 transmits a predetermined amount to the charge destination information management medium via the charge destination information update unit 180 and identifies the charge source to the charge source information management apparatus (for example, the billing host 400) via the communication unit 110. The charge process is controlled by transmitting information and a predetermined amount. It is assumed that the predetermined amount transmitted to the charge destination information management medium and the predetermined amount transmitted to the charge source information management device are the same amount.

  In the above description, the registration information is managed by the IC chip-terminal mapping server 300, but the registration information may be managed by the automated device 100. In that case, the storage unit 160 corresponds to the charge source identification information for identifying the charge source for storing the first balance and the charge destination identification information for identifying the charge destination for storing the second balance. It functions as a registration information storage unit for storing the registration information attached. The charge availability determination unit 1523 acquires the charge source identification information registered in the registration information storage unit in association with the charge destination identification information acquired by the charge destination identification information acquisition unit 1521. The registration processing unit 1516 also registers registration information in which the charge destination identification information acquired by the charge destination identification information acquisition unit 1513 and the charge source identification information acquired by the charge source identification information acquisition unit 1511 are associated with each other. It may be registered in the storage unit.

  The automated device 100 may further include a display unit 170. The display unit 170 is configured by, for example, a display device or the like, and has a function of displaying information according to an instruction from the control unit 150. The type of display device is not particularly limited.

  The automated device 100 may further include an operation input unit 120. The operation input unit 120 includes, for example, an input device and has a function of receiving information input from a user of the automated device 100. The type of input device is not particularly limited.

  The registration unit 151 may further include a charge amount acquisition unit 1512. The charge amount acquisition unit 1512 can accept an amount input from the user via the operation input unit 120. The amount received by the charge amount acquisition unit 1512 can be used as the predetermined amount described above.

  The registration unit 151 may further include a registration information confirmation processing unit 1514. The registration information confirmation processing unit 1514 has a function of causing the display unit 170 to display the registration information so that the user can confirm whether or not the registration information is normal. The registration information confirmation processing unit 1514 causes the registration processing unit 1516 to execute processing for registering registration information when information indicating that the registration information is normal is input from the user via the operation input unit 120, for example. You can do that. Also, the registration information confirmation processing unit 1514 is a process for registering registration information in the registration processing unit 1516 when information indicating that the registration information is not normal is input from the user via the operation input unit 120, for example. Should not be executed.

  The registration unit 151 may further include a charge source information authentication processing unit 1515. The charge source information authentication processing unit 1515 sends the charge source identification information and the password information to the account host 400 via the communication unit 110 when the password information (password number) is input from the user via the operation input unit 120. The authentication unit 400 has a function of transmitting and receiving the authentication result obtained by being authenticated by the account host 400 based on the charge source identification information, the personal identification information, and the charge source information 431 via the communication unit 110. For example, when the charge source information authentication processing unit 1515 receives information indicating that the authentication result is normal via the communication unit 110, the charge source information authentication processing unit 1515 causes the registration processing unit 1516 to execute processing for registering registration information. Good. Further, for example, when the charge source information authentication processing unit 1515 receives information indicating that the authentication result is unsuccessful via the communication unit 110, the charge source information authentication processing unit 1515 does not cause the registration processing unit 1516 to execute a process of registering registration information. And it is sufficient.

  Further, the password information acquired by the charge source information authentication processing unit 1515 may be further used by the charge processing unit 1524. The charge processing unit 1524 further transmits the password information to the account host 400 via the communication unit 110, and is used by the account host 400 for authentication of the password information and the password information (password number) included in the charge source information 431. It is good.

  FIG. 3 is a configuration diagram of an IC chip existing inside the medium with the IC chip. Of these, the storage device 210 is a general memory used in an IC card, and stores data and programs used in the IC card. The central control device 220 is a general CPU of an IC card, and is a device that controls the entire IC card. The auxiliary storage device 230 is a non-volatile memory or the like generally used in an IC card, and stores data and programs handled by the IC card in a place other than the storage device 210.

  FIG. 4 is a diagram illustrating a functional configuration of the IC chip-terminal mapping server. As illustrated in FIG. 4, an IC chip-terminal mapping server 300 as an example of an information management apparatus includes a communication unit 310 and a control unit 320. The IC chip-terminal mapping server 300 is connected to a DB 350 that functions as an example of a registered information storage unit. However, the DB 350 may be built in the IC chip-terminal mapping server 300. Good. Further, as described above, when the automated device 100 includes the registration information storage unit, the IC chip-terminal mapping server 300 may not be connected to the DB 350. Further, the IC chip-terminal mapping server 300 further includes a storage unit having a function of storing a program executed by the control unit 320 and a function of storing data used by the program.

  The communication unit 310 is configured by, for example, a communication device or the like, and can communicate with various devices connected to the first communication line 500. The communication unit 310 can communicate with the automated device 100 via the first communication line 500, for example.

  The DB 350 is configured by a storage device such as an HDD (Hard Disk Drive), for example, and functions as a registration information storage unit that stores the registration information 351, for example.

  The control unit 320 includes a registration execution unit 321 and a registration information return unit 322. For example, the control unit 320 is configured by a CPU or the like, and the CPU stores a program stored in the storage unit in a RAM (not shown) provided in the IC chip-terminal mapping server 300, and executes the expanded program. That function is realized.

  FIG. 5 is a diagram showing a functional configuration of the account host. As shown in FIG. 5, the account host 400 as an example of the charge source information management device includes a communication unit 410, a control unit 420, and a storage unit 430.

  The communication unit 410 is constituted by, for example, a communication device or the like, and can communicate with various devices connected to the first communication line 500. The communication unit 410 can communicate with the automation device 100 via the first communication line 500, for example.

  The storage unit 430 stores the charge source information 431. The charge source information 431 manages at least the charge source identification information and the first balance in association with each other. Storage unit 430 further has a function of storing a program executed by control unit 420 and a function of storing data used by the program.

  The control unit 420 includes a charge source information return unit 421, an authentication execution unit 422, and an information update unit 423. The control unit 420 is constituted by, for example, a CPU or the like, and the CPU stores the program stored in the storage unit 430 in a RAM (not shown) provided in the account host 400, and the function is executed by executing the expanded program. Realized.

  When the charge source information return unit 421 receives the charge source identification information via the communication unit 410, the charge source information return unit 421 has a function of acquiring the personal identification information associated with the received charge source identification information from the charge source information 431 and returning it. I have it.

  When the authentication execution unit 422 receives the charge source identification information and the password information via the communication unit 410, the authentication execution unit 422 performs authentication based on the received charge source identification information and password information and the charge source information 431 stored in the storage unit 430. It has the function to perform.

  When the information update unit 423 receives the charge source identification information and the predetermined amount from the automated device 100 via the communication unit 410, the information update unit 423 receives the charge source identification information from the first balance managed in association with the received charge source identification information. It has a function of subtracting a predetermined amount.

  FIG. 6 is a diagram illustrating a configuration example of the charge source information. As shown in FIG. 6, the charge source information 431 includes charge source identification information 431a and a personal identification number 431d as an example of personal identification information. The charge source identification information 431a includes a bank identification ID 431b and an account number 431c.

  FIG. 7 is a diagram illustrating a configuration example of registration information. As shown in FIG. 7, the registration information 351 includes charge source identification information 351a, a charge amount 351d per time as an example of a predetermined amount, charge destination identification information 351e, and device identification information 351g. It is configured. The charge source identification information 351a includes a bank identification ID 351b and an account number 351c. The charge destination identification information 351e includes an IC chip number 351f. The device identification information 351g may not be included in the registration information 351 when not used.

[Description of operation]
As a method of automatically charging electronic money from a specific ATM, a process of registering charge source information and charge destination information in the IC chip-terminal mapping server 300 in advance in a specific ATM is performed, and thereafter the specific ATM is used. In some cases, a series of operations in the present embodiment enables charging with only the IC chip-attached medium 200 attached to the charge destination information without requiring the charge source information. Such a function can be realized, for example, by executing the process shown in FIG. 8 and the process shown in FIG. Hereinafter, each process will be described sequentially. FIG. 8 is a flowchart showing a flow of processing for registering registration information.

  In this embodiment, in order to perform an electronic money automatic charge transaction from a specific ATM, information associated with ATM-charge source-charge destination needs to be registered in the IC chip-terminal mapping server 300 in advance. . A user who uses the automation device 100 presses the “automatic charge registration” button or a button having a name corresponding to the button on the automation device 100 (step S101). After pressing the button, the process proceeds to step S102.

  The automated device 100 inserts a card as a charge source (step S102). It may be considered that this is equivalent to the first operation for performing a transaction in the normal automated device 100. After completion, the process proceeds to step S103.

  A user who uses the automated device 100 inputs a personal identification number corresponding to the card (charge source information management medium) inserted into the automated device 100 (step S103). This is an operation for confirming that the owner of the card is the same as when performing a transaction in the normal automated device 100. After the input is completed, the process proceeds to step S104.

  A user who uses the automation device 100 inputs a charge amount per one time when the automation device 100 automatically charges the automation device 100 after completion of the series of operations shown in FIG. Step S104). Since it is electronic money, unlike the payment transaction function of the general automation device 100, it can be specified by bills and coin mixed amounts (1 yen unit). After the input is completed, the process proceeds to step S105.

  The automated device 100 displays a screen that prompts the user to acquire medium information as a charge destination. A user who uses the automation device 100 connects the medium containing the IC chip 200a to be charged to the automation device 100 according to the instruction. The connection method here is as described above. In the present embodiment, wireless data transmission / reception (non-contact communication) is performed for convenience. When the automatic device 100 acquires the automatic charge target medium information (step S105), the process proceeds to step S106.

  The automated device 100 displays a confirmation screen for allowing the user who uses the automated device 100 to confirm the information acquired in steps S102 to S105. The information displayed on the confirmation screen is assumed to include a bank name of a charge source, an account number, a charge amount per charge, an IC chip number of a charge destination, and the like. If there is no problem with the content of the confirmation screen, the user who uses the automation device 100 selects an operation for performing the process continuously, and the process proceeds to step S107. When there is a problem with the contents or when it is desired to cancel the operation, the process proceeds to step S111.

  When the registration information confirmation is OK (“Yes” in step S106), the automated device 100 performs authentication processing for the charge source (cash card, etc.) information (step S107), and the result is OK, as in a normal transaction. If there is (“Yes” in step S108), the communication with the IC chip-terminal mapping server 300 is continued. The IC chip-terminal mapping server 300 includes a charge source bank name, an account number, a charge amount per charge, an IC chip number of a charge destination, individual information for specifying the communication source automation device 100, a charge source The minimum password information is registered. After processing until OK / NG is output, the process proceeds to step S108.

  When the processing result is OK as the processing result in the IC chip-terminal mapping server 300 (“Yes” in step S108), the process proceeds to step S109. If the processing result is NG (“No” in step S108), the process proceeds to step S110.

  If the processing result in the IC chip-terminal mapping server 300 is OK, the automation device 100 performs post-processing such as screen display indicating that the automatic charge registration processing has been normally performed, receipt issuance, and card return (step). S109).

  If the processing result in the IC chip-terminal mapping server 300 is NG, the automation device 100 performs post-processing such as a screen indicating that the automatic charge registration processing has failed, the reason for the failure, issuance of a receipt, and return of a card ( Step S110).

  When the process is to be terminated, the process proceeds to step S111, and a normal cancel operation as the automated device 100 such as card return is performed as post-processing (step S111). As a correction operation, the transition destination from step S106 may be other than step S111, for example, step S104 or step S105.

  As described above, the electronic money automatic charge transaction from the specific ATM can be performed by performing the processing described with reference to FIG. FIG. 9 is a flowchart showing the flow of the charging process. The automatic charge transaction will be described with reference to FIG. A user who uses the automated device 100 presses the “automatic charge execution” button or a button having a name corresponding to the button on the automated device 100 (step S201). After pressing the button, the process proceeds to step S202.

  The automated device 100 displays a screen that prompts the user to acquire medium information as a charge destination. A user who uses the automation device 100 connects the medium containing the IC chip 200a to be charged to the automation device 100 according to the instruction. The connection method here is as described above. In the present embodiment, wireless data transmission / reception (non-contact communication) is performed for convenience. When the automatic device 100 acquires the automatic charge target medium information (step S202), the process proceeds to step S203.

  The automation device 100 communicates with the IC chip-terminal mapping server 300 after acquiring medium information as a charge destination. The IC chip-terminal mapping server 300 confirms whether the ATM individual information of the communication source and the IC chip number of the charge destination accompanying it are registered (step S203).

  If the information is registered in the IC chip-terminal mapping server 300 (“Yes” in step S204), the charge source bank name, account number, charge amount per charge, and the charge source password associated with the information are registered. The number information is returned to the automated device 100. Then, the process proceeds to step S205. If no information is registered in the IC chip-terminal mapping server 300 (“No” in step S204), the process proceeds to step S209.

  The automated device 100 automatically authenticates the charge source based on the information returned from the IC chip-terminal mapping server 300, and performs a payment transaction process for the amount charged from the account to the charge destination. Thereafter, an electronic money charging process is performed on a medium that matches the IC chip number of the charging destination (step S205).

  If the result of the electronic money charge processing to the IC chip-attached medium 200 is OK (“Yes” in step S206), post-processing such as screen display indicating that the automatic charge execution processing has been normally performed is performed (step S207). .

  If the result of the electronic money charging process on the IC chip-attached medium 200 is NG (“No” in step S206), post-processing such as a screen indicating that the automatic charging execution process has failed and the reason for the display is performed (step S208). ).

  If information is not registered in the IC chip-terminal mapping server 300 (“No” in step S204), post-processing such as not being registered and a screen for prompting registration is performed (step S209).

  As described above, by performing the processing described with reference to FIG. 9, as the electronic money charging method from the specific ATM, the charge source information and the charge destination information from the specific ATM are registered in the IC chip-terminal mapping server 300 in advance. Thus, when charging electronic money from the specific ATM, even the cash card of the charge source becomes unnecessary, and any input is made to the ATM simply by contacting the charge-destination IC chip-attached medium 200 to the ATM. It is possible to automatically charge electronic money without any problem.

[Description of effects]
Conventionally, in order to charge electronic money, (1) cash is directly deposited, or (2) in order to deposit from a bank account or the like, a charge process is performed after authentication. In this case, in (1), it is necessary to prepare cash in advance, and in (2), since it is withdrawn from a bank account, it is necessary to prepare a cash card and perform authentication. It was.

  However, as described above, the charge source card is held over the IC chip-terminal mapping server 300 by performing the process of registering the charge source information and the charge destination information from the specific ATM in advance in the IC chip-terminal mapping server 300. It is possible to automatically charge for a certain amount of money registered. By doing so, the convenience of the user using the ATM is also improved, and the ATM system provider such as a bank can also improve the ATM use turnover rate.

  As a form of use, even if a heavy user who usually uses electronic money frequently goes to work every day by registering automatic charge using the ATM installed at the convenience store that he uses most often It is possible to charge electronic money with little effort at the time or before returning home. In addition, since the automatic charging function cannot be used except for a specific ATM in which information is registered, security is higher than a system that automatically charges when there is a balance below a certain threshold when the IC chip-attached medium 200 is lost. It can be said that it is secured.

[Modification]
In the above, the preferred embodiments of the present invention have been described with reference to the accompanying drawings, but it goes without saying that the present invention is not limited to such examples. It will be apparent to those skilled in the art that various changes and modifications can be made within the scope of the claims, and these are naturally within the technical scope of the present invention. Understood.

  For example, although the automatic charge system according to the present embodiment has the IC chip-terminal mapping server, the ATM may have the function of the IC chip-terminal mapping server.

100 Automation equipment (information processing equipment)
DESCRIPTION OF SYMBOLS 110 Communication part 120 Operation input part 130 Charge origin identification information reading part 140 Charge destination identification information reading part 150 Control part 151 Registration part 1511 Charge origin identification information acquisition part 1512 Charge amount acquisition part 1513 Charge destination identification information acquisition part 1514 Registration information confirmation Processing unit 1515 Charge source information authentication processing unit 1516 Registration processing unit 152 Charging unit 1521 Charging destination identification information acquisition unit 1522 Self device identification information acquisition unit 1523 Charge availability determination unit 1524 Charge processing unit 160 Storage unit 161 Self device identification information 170 Display unit

Claims (5)

Registration for storing registration information in which charge source identification information for identifying a charge source for storing the first balance and charge destination identification information for identifying a charge destination for storing the second balance are associated with each other An information storage unit;
A charge destination identification information reading unit capable of reading the charge destination identification information from a charge destination information management medium for managing the charge destination identification information;
A charge destination identification information acquisition unit for acquiring the charge destination identification information read by the charge destination identification information reading unit;
A charge availability determination unit that acquires the charge source identification information registered in the registration information storage unit in association with the charge destination identification information acquired by the charge destination identification information acquisition unit;
A predetermined amount is subtracted from the first balance stored in the charge source identified by the charge source identification information acquired by the charge availability determination unit, and the charge destination identified by the charge destination identification information is A charge processing unit that controls charge processing executed by adding the predetermined amount to the second balance to be stored;
With
When authentication of the acquired charge source identification information and the password information input and registered by the user and the charge source identification information and password information included in the charge source information registered in advance is successful in the account host, Registration information is registered in the registration information storage unit,
If the authentication of the charge source identification information and password information said charge source information and the acquired charge source identification information and the registered personal identification information has succeeded in the account host, said predetermined from the first balance Information processing apparatus characterized in that the amount of money is subtracted. A charge source identification information reading unit capable of reading the charge source identification information from a charge source information management medium for managing the charge source identification information;
A charge source identification information acquisition unit for acquiring the charge source identification information read by the charge source identification information reading unit;
Register the registration information in which the charge destination identification information acquired by the charge destination identification information acquisition unit and the charge source identification information acquired by the charge source identification information acquisition unit are associated with each other in the registration information storage unit A registration processing unit to
Further comprising
The registration information is registered in the registration information storage unit when authentication of the acquired charge source identification information and the previously input personal identification information and the charge source identification information and personal identification information included in the charge source information is successful. The information processing apparatus according to claim 1, wherein: The charge destination information management medium is:
When the second balance is further managed and the predetermined amount is received from the information processing apparatus, the received predetermined amount is added to the second balance,
The information processing apparatus includes:
A communication department;
When the charge source identification information and the first balance are managed in association with each other and the charge source identification information and the predetermined amount are received from the information processing apparatus, the charge source identification information is associated with the received charge source identification information. It is further possible to communicate with a charge source information management device that subtracts the predetermined amount received from the first balance that is managed, and the predetermined amount can be transmitted to the charge destination information management medium. A charge destination information update unit,
The charge processing unit
The predetermined amount is transmitted to the charge destination information management medium via the charge destination information update unit, and the charge source identification information and the predetermined amount are transmitted to the charge source information management device via the communication unit. The information processing apparatus according to claim 1, wherein the charge processing is controlled. It is possible to perform charging with a communication unit, charge source identification information for identifying a charge source for storing the first balance, and charge destination identification information for identifying a charge destination for storing the second balance. A registration information storage unit that stores registration information associated with chargeable device identification information for identifying a device, and the charge destination identification information and the chargeable device identification information are received via the communication unit. Then, a registration information return unit that returns the charge source identification information stored in the registration information storage unit in association with the charge destination identification information and the chargeable device identification information via the communication unit; An information processing device capable of communicating with an information management device comprising:
A communication department;
A self device identification information storage unit for storing self device identification information for identifying the self device;
A charge destination identification information reading unit capable of reading the charge destination identification information from a charge destination information management medium for managing the charge destination identification information;
A charge destination identification information acquisition unit for acquiring the charge destination identification information read by the charge destination identification information reading unit;
A self-device identification information acquisition unit that acquires the self-device identification information from the self-device identification information storage unit;
Transmitting the charge destination identification information acquired by the charge destination identification information acquisition unit and the own device identification information acquired by the own device identification information acquisition unit to the information management device via the communication unit; A charge availability determination unit that acquires the charge source identification information corresponding to the charge destination identification information and the self device identification information from the information management device via the communication unit;
A predetermined amount is subtracted from the first balance stored in the charge source identified by the charge source identification information acquired by the charge availability determination unit, and the charge destination identified by the charge destination identification information is A charge processing unit that controls charge processing executed by adding the predetermined amount to the second balance to be stored;
With
When the authentication of the acquired charge source identification information and the password information input and registered by the user and the charge source identification information and password information included in the pre-registered charge source information is successful in the information management apparatus , The registration information is registered in the registration information storage unit,
When authentication of the acquired charge source identification information and the registered personal identification information and the charge source identification information and personal identification information included in the pre-registered charge source information is successful in the information management device, the first An information processing apparatus, wherein the predetermined amount is subtracted from a balance. The information management device includes:
When the registration information is received from the information processing apparatus via the communication unit, the registration information storage unit further includes a registration execution unit that registers the received registration information in the registration information storage unit,
The information processing apparatus includes:
A charge source identification information reading unit capable of reading the charge source identification information from a charge source information management medium for managing the charge source identification information;
A charge source identification information acquisition unit for acquiring the charge source identification information read by the charge source identification information reading unit;
The registration information obtained by associating the charge destination identification information acquired by the charge destination identification information acquisition unit with the charge source identification information acquired by the charge source identification information acquisition unit via the communication unit. A registration processing unit for transmitting to the information management device;
Further comprising
The registration information is transmitted to the information management device when authentication of the acquired charge source identification information and the previously entered personal identification information and the charge source identification information and personal identification information included in the charge source information is successful. The information processing apparatus according to claim 4.

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