JP5918866B2 - Electronic money server, electronic money remittance method, program, and recording medium - Google Patents

Description

  The present invention relates to an electronic money server, an electronic money remittance method, a program, and a recording medium.

In recent years, the use of electronic money has become widespread. In electronic money, money settlement is performed by associating money amount information called value with money value and increasing or decreasing the value balance.
In general, a method of holding a value balance in an IC module built in or attached to a portable terminal (or electronic money card) is called a stored value type.

In the stored value type electronic money, the payment terminal does not connect to the electronic money server, completes the payment processing locally with the user's IC module 30, and records the transaction history as log data. Then, later, the log data is sent to the electronic money server at regular or irregular intervals to synchronize later.
On the other hand, in recent years, with the improvement of network communication capability, there is also known a server management type system in which a payment terminal and an electronic money server are synchronized so that value is managed by the electronic money server and payment processing is performed on the server side. It has become like this. In the future, as the network infrastructure is improved, it is expected that such server management systems will gradually spread.

  Traditionally, bank transfers have often been used as a means of transferring monetary value between individuals. On the other hand, in recent years, a service for transferring stored value type electronic money between individuals has been proposed (for example, see Patent Document 1).

JP 2004-272470 A

Since the balance of the savings account has the ability to be instantly converted into cash, there are almost no restrictions on the monetary value transferred by bank transfer. On the other hand, the balance of electronic money is not basically convertible, and payment with electronic money is limited to member stores. Therefore, in order to widely spread the remittance service between individuals using electronic money, an added value that cannot be realized by bank transfer is required.
An object of the present invention is to provide an electronic money remittance service having an added value that has not existed before.

In the first aspect of the present invention, when electronic value is transferred from the remittance source account to the remittance destination account, an application condition for use by the remittance destination user is specified by a third party who is neither the remittance source user nor the remittance destination user. A ticket registration unit that associates the electronic ticket with the remittance destination user and stores the electronic ticket in the ticket storage unit; and the use of the electronic value with the electronic ticket that satisfies the application condition by the remittance destination user . It includes a settlement execution means for executing a process to bear at least part of the amount equivalent to the content to the third party, and said ticket registration means, in accordance with the specification of the transfer source user, the transfer source The remittance request amount specified by the user is at least a part of the amount corresponding to the contents of the electronic ticket, Only if the restrictions regarding the transfer of value by Kanemoto user is provided, the remittance destination said to register the electronic ticket, the amount of money obtained by reduction a part from the front Symbol transfer the requested amount from the remittance original account Provided is an electronic money server characterized by the amount of electronic value transferred to an account.
In the invention according to claim 2, the electronic money usage is based on the electronic money usage trend of the remittance destination user indicated by the electronic money usage history of the remittance destination user stored in the history storage means in association with the remittance destination account. The apparatus further comprises a selection unit that selects a candidate ticket in which an application condition suitable for a tendency is specified, and the ticket registration unit selects one or more electronic tickets specified from the candidate tickets selected by the selection unit. The electronic money server according to claim 1, wherein the electronic money server is stored in a ticket storage unit.
According to a third aspect of the present invention, the apparatus further comprises first presenting means for presenting the contents of the candidate ticket selected by the selecting means to the remittance destination user, and the ticket registration means is presented by the first presenting means. 3. The electronic money server according to claim 2, wherein one or more electronic tickets designated by the remittance destination user are stored in the ticket storage means from among the candidate tickets.
The invention according to claim 4 further comprises second presenting means for presenting the contents of the candidate ticket selected by the selecting means to the remittance source user, wherein the ticket registering means is presented by the second presenting means. When one electronic ticket is designated by the remittance source user from among the candidate tickets, the one electronic ticket is stored in the ticket storage means, and the remittance is selected from the electronic tickets presented by the second presentation means. When one electronic ticket is not designated by the former user, one or more electronic tickets designated by the remittance destination user are stored in the ticket storage means from among the candidate tickets presented by the first presentation means. The electronic money server according to claim 3 is provided.
In the invention according to claim 5, the selection means designates an application condition that can be used at least in the activity area of the remittance destination user found from the electronic money use history of the remittance destination user stored in the history storage means. The electronic money server according to any one of claims 2 to 4, wherein the electronic ticket is selected.
In the invention of claim 6, each electronic ticket is further designated by the third party as a deduction amount to be incorporated into the funds from the remittance request amount or a calculation formula thereof. 6. The candidate ticket is selected so that a deduction amount falls within an amount obtained by multiplying the remittance request amount by a predetermined coefficient. 6. The candidate ticket according to claim 2, wherein the candidate ticket is selected. Provides an electronic money server.
The invention according to claim 7 further comprises an increase request acquisition means for acquiring an increase request for the predetermined coefficient designated by the remittance destination user or the remittance source user, wherein the selection means has the deduction amount as the remittance amount. The electronic money server according to claim 6, wherein the candidate ticket is selected so as to be within an amount obtained by multiplying a required amount by the predetermined coefficient after the increase.
In the invention according to claim 8, when the settlement execution unit further uses the electronic money that satisfies the application conditions by the remittance destination user, the funds for increasing the balance of the remittance source account are The electronic money server according to any one of claims 1 to 7, wherein a process for causing a third party to perform a load is executed.
In the invention described in claim 9, when electronic value is transferred from the remittance source account to the remittance destination account, an application condition regarding use by the remittance destination user is specified by a third party who is neither the remittance source user nor the remittance destination user. It is a ticket registration step of storing in the ticket storage means in association with an electronic ticket to said transmission gold destination user has, with respect to the application satisfies the use of electronic value with the electronic ticket by the remittance destination user, the electronic ticket It includes a settlement execution step of executing a process to bear at least part of the amount equivalent to the content to the third party, and in the ticket registration step, in accordance with the designation of the transfer source user, the transfer source At least part of the remittance request amount specified by the user becomes at least part of the amount corresponding to the contents of the electronic ticket. Say, from the remittance only if the original user by about the remittance of the value restriction is provided, the electronic ticket to register, before Symbol remittance request the remittance of the amount of money obtained by reduction a part from the amount of the original account An electronic money remittance method using a computer is provided, wherein the electronic money amount is transferred to the remittance destination account.
In the invention described in claim 10, when electronic value is transferred from the remittance source account to the remittance destination account, an application condition regarding use by the remittance destination user is specified by a third party who is neither the remittance source user nor the remittance destination user. A ticket registration function for associating the received electronic ticket with the remittance destination user and storing it in a ticket storage means, and use of the electronic value with the electronic ticket satisfying the application condition by the remittance destination user . a settlement execution function for executing a process to bear at least part of the amount equivalent to the content in the third party, in the ticket registration function, in response to designation of the transfer source user, designated by the transfer source user The remittance source that at least a part of the requested remittance amount becomes at least a part of an amount corresponding to the contents of the electronic ticket Only if the restrictions regarding the transfer of value by over The is provided, the electronic ticket to register, before Symbol transfer the remittance of the amount of money obtained from the amount required to reduce a part from the remittance original account destination account A program is provided for causing a computer to realize the amount of electronic value transferred to a computer.
In the invention described in claim 11, when electronic value is transferred from the remittance source account to the remittance destination account, an application condition regarding use by the remittance destination user is specified by a third party who is neither the remittance source user nor the remittance destination user. A ticket registration function for associating the received electronic ticket with the remittance destination user and storing it in a ticket storage means, and use of the electronic value with the electronic ticket satisfying the application condition by the remittance destination user . a settlement execution function for executing a process to bear at least part of the amount equivalent to the content in the third party, in the ticket registration function, in response to designation of the transfer source user, designated by the transfer source user The remittance source that at least a part of the requested remittance amount becomes at least a part of an amount corresponding to the contents of the electronic ticket Only if the restrictions regarding the transfer of value by over The is provided, the electronic ticket to register, before Symbol transfer the remittance of the amount of money obtained from the amount required to reduce a part from the remittance original account destination account Provided is a computer-readable recording medium in which a program for causing a computer to realize the amount of electronic value transferred to a computer is recorded.

  ADVANTAGE OF THE INVENTION According to this invention, the electronic money remittance service which has an added value which is not in the past can be provided.

It is a figure for demonstrating the network structure of the electronic money system which concerns on this embodiment. It is a figure for demonstrating remittance of the electronic money which concerns on this embodiment. It is a figure for demonstrating use of the gift which concerns on this embodiment. It is a figure for demonstrating the structure of a portable terminal. It is a figure for demonstrating the payment of the electronic money using a portable terminal. It is a figure for demonstrating the structure of an asynchronous payment terminal. It is a figure for demonstrating the structure of an electronic money server. (1) It is a figure for demonstrating the logical structure of user DB of an electronic money server, (2) It is a figure for demonstrating the logical structure of a gift server (gift DB). It is a figure for demonstrating the variation of remittance of the electronic money with a gift which concerns on this embodiment. It is the flowchart which showed the processing procedure of the remittance which concerns on this embodiment. (1) It is the figure which showed an example of the screen displayed on the portable terminal of a remittance source when performing the remittance which concerns on this embodiment, (2) When performing the remittance which concerns on this embodiment, It is the figure which showed an example of the screen displayed on. It is the flowchart which showed the process sequence which performs payment with a terminal side value balance using the gift which concerns on this embodiment. It is the flowchart which showed the process sequence which performs payment with a terminal side value balance using the gift which concerns on this embodiment. It is the flowchart which showed the process sequence which performs payment with a server side value balance using the gift which concerns on this embodiment. It is the flowchart which showed the process sequence of the modification of the process shown in FIG. It is the flowchart which showed the process sequence of the modification of the process shown in FIG. It is the flowchart which showed the process sequence of the modification of the process shown in FIG.

(1) Outline of Embodiment As shown in FIG. 2, the remittance that the user A performs to the user B by electronic money is performed by moving the server-side value balance in the electronic money server 2. When performing this remittance, the user B is given an electronic gift (for example, an electronic coupon, electronic money with limited use, an electronic gift certificate, etc., which is an example of an electronic ticket) that bears at least a portion of the funds. . The granted gift is linked to the account of the user B and can be used simultaneously when the user B uses electronic money.
In selecting a gift to be given to the user B, for example, a purchase history made using the electronic money by the user B is referred to. As a result, a gift that meets the needs is given.
In addition, the advertiser sets application conditions for the electronic gift (for example, an available region, an available store, a target product, an available time, an available time zone, etc.), and satisfies the application condition by the user B Electronic gifts are applied to the use of electronic money. Thereby, the effect which accelerates | stimulates the guidance to a specific store, the purchase of a specific goods, etc. effectively can be anticipated. As a result, advertisement placement can be promoted and use of the remittance service itself can be facilitated.

FIG. 9 shows variations of remittance of electronic money with gifts according to the present embodiment. In the following variations, a third party (advertiser) who is neither the user of the remittance nor the user of the remittance bears at least a part of the gift resources.
In (1), the user A pays half the gift for 100 yen and the advertiser pays the other half.
In (2), the advertiser pays the full amount of the gift (100 yen).
In (3), the user A bears half of the gift for 200 yen and the advertiser bears the other half. However, the electronic money sent is 2900 yen.
In addition, gifts can be sent only if there are certain restrictions on the transfer of electronic money (in this case, a part of the request for remittance has been converted into gift resources) as in (3) above. You may comprise so that it can add.

(2) Details of Embodiment FIG. 1 is a diagram for explaining a network configuration of an electronic money system 1 according to the first embodiment.
The electronic money system 1 is configured using an electronic money server 2, the Internet 3, a mobile terminal 5, a payment terminal 6, an asynchronous payment terminal 7, a communication line 8, and the like.
In the electronic money system 1, a server management type system using a server-side value balance and a stored value type system using a terminal-side value balance are mixed.

The electronic money server 2 is a server device that manages the movement of money value by value. Here, the value is electronic information corresponding to a monetary value, and the electronic money system 1 moves the monetary value by increasing or decreasing the value balance (hereinafter, value balance).
Then, the business entity of the electronic money system 1 causes the value and the movement of the actual money to correspond by moving the actual money corresponding to the movement of the value.
Further, the electronic money server 2 performs a process for causing the advertiser to bear at least a part of the gift source when the gift is used or after the gift is used when the source is not collected when the gift is generated. Run.

The electronic money server 2 stores a “server-side value balance” for managing the balance on the server side.
On the other hand, the mobile terminal 5 stores the “terminal-side value balance” in the IC module 30 built in or attached to the mobile terminal 5.
The electronic money server 2 stores a management value of the value balance in association with the portable terminal 5 although it is not necessarily essential for management. It is desirable that the “server-side value balance” and the “terminal-side value balance” are always the same value in synchronization. However, there are actually many asynchronous payment terminals 7 that cannot be connected to the electronic money server 2 in real time. For this reason, the generated log data is later sent to the electronic money server 2 by batch processing, and is synchronized afterwards.

The mobile terminal 5 is a mobile terminal configured by, for example, a smartphone, a mobile phone, a game machine, a tablet computer, and the like, and has a function of connecting to the Internet 3 and a short-distance wireless communication with the payment terminal 6 and the asynchronous payment terminal 7. It has the function to connect by.
The portable terminal 5 has an IC module 30 built-in or attached, and stores an electronic money number and a terminal-side value balance.

The payment terminal 6 performs short-range wireless communication with the mobile terminal 5 and also communicates with the electronic money server 2 via the communication line 8 to transmit information such as a payment amount to the electronic money server 2, or with the electronic money server 2. The communication of the portable terminal 5 is relayed. The payment terminal 6 is a synchronous payment terminal that performs online communication with the electronic money server 2 in real time at the time of payment using the mobile terminal 5. The payment terminal 6 corresponds to at least one of payment based on the terminal-side value balance and payment based on the server-side value balance.
The payment terminal 6 is installed in an accounting counter or a vending machine of a real store such as a convenience store (a physical store physically operating in a real estate store or the like).
The communication line 8 is a line connecting the electronic money server 2 and the payment terminal 6 or the asynchronous payment terminal 7. A dedicated line may be used as the communication line 8 or a general-purpose line such as the Internet 3 may be used.

The asynchronous payment terminal 7 is installed in, for example, an inconvenient store of a network facility or a vending machine, and has a function of performing short-range wireless communication with the mobile terminal 5.
The asynchronous payment terminal 7 performs short-range wireless communication with the mobile terminal 5 and performs payment using the terminal-side value balance. The asynchronous payment terminal 7 is not normally connected to the electronic money server 2 (so that the server type electronic money cannot be paid), and temporarily stores the payment contents with the portable terminal 5 as log data.
Then, the asynchronous payment terminal 7 connects to the electronic money server 2 using the communication line 8 about once a day, for example, and transmits log data to the electronic money server 2. In an environment where there is no network communication facility, the person in charge may manually collect recording media on which log data is recorded.
As for the terminal-side value balance, the electronic money server 2 manages the transfer of funds based on the history of accessing the IC module 30 in real time via the payment terminal 6 and the log data transmitted from the asynchronous payment terminal 7.

FIG. 4 is a diagram illustrating a hardware configuration of the mobile terminal 5. Here, as an example, the mobile terminal 5 is assumed to be a smartphone, but the same applies to a mobile phone.
Game machines and tablet computers usually do not have a function of wirelessly communicating with a base station antenna of a mobile phone network, and often have only a function of wirelessly communicating with a wireless LAN access point. Some smartphones have a function of wirelessly communicating with a wireless LAN access point.
The portable terminal 5 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, an input unit 14, an output unit 15, a communication control unit 16, a near field communication control unit 17, a storage The unit 18, the microphone 20, the acceleration sensor 21, the GPS receiver 22, the IC module 30 and the like are connected by a bus line 19.

The CPU 11 executes programs recorded in the ROM 12 and the storage unit 18 to control various information processing and the entire portable terminal 5. In the present embodiment, for example, the payment provided by the value balance is supported in cooperation with the electronic money server 2 by a function provided by an electronic money application program described later.
The ROM 12 is a read-only memory in which basic programs, parameters, data, and the like for operating the mobile terminal 5 are recorded.
The RAM 13 is a readable / writable memory, and provides a working memory when the CPU 11 performs information processing.

The output unit 15 is a functional unit that outputs information to the user, and includes, for example, a liquid crystal display for screen display, a speaker that outputs sound, and the like. For example, an icon for starting an electronic money application program is displayed on the liquid crystal display.
The input unit 14 is a functional unit that inputs information from the outside and includes, for example, a touch panel installed on a liquid crystal display. The user can input information by touching the touch panel corresponding to the display on the liquid crystal display.

The storage unit 18 is configured by using a recording medium such as an EEPROM (Electrically Erasable and Programmable ROM) or a hard disk, for example, and is settled by an OS (Operating System) that is a basic program for controlling the mobile terminal 5 or a value. The electronic money application program that supports the program, other programs and data are recorded.
The communication control unit 16 includes an antenna for wireless communication with a base station antenna of a mobile phone network, and connects the mobile terminal 5 to the Internet 3 or a telephone line. The portable terminal 5 can communicate with the electronic money server 2 via the Internet 3 via the communication control unit 16.
Smartphones also have a function for wireless communication with a wireless LAN access point.
The short-range communication control unit 17 includes an antenna for short-range wireless communication with the reader / writer of the payment terminal 6 or the asynchronous payment terminal 7, and connects the IC module 30 to the payment terminal 6 or the asynchronous payment terminal 7. The IC module 30 can communicate with the payment terminal 6 and the asynchronous payment terminal 7 via the short-range communication control unit 17 and can communicate with the electronic money server 2 via the communication control unit 16 of the portable terminal 5.

The IC module 30 is an IC module that stores general-purpose applications, and is built in or attached to the mobile terminal 5. The IC module 30 can store an application downloaded by the user.
The IC module 30 includes a CPU, a RAM, a ROM, and the like, and includes an information processing unit 26 that performs information processing according to various programs and a storage unit 27 that includes a nonvolatile memory.
The storage unit 27 includes an electronic money number and a terminal-side value balance, although not illustrated, a value operation program for operating the value balance by the information processing unit 26, authentication data for the electronic money server 2 to authenticate the IC module 30, and the like Is remembered. In addition, settlement and charge log data are also stored.
The electronic money number is a number for the electronic money server 2 to identify to which user the mobile terminal 5 (IC module 30) belongs.

  The reduction process and the increase process regarding the terminal-side value balance in the IC module 30 are performed by a value operation program formed in the information processing unit 26 in the IC module 30 by an external command. This is to increase security by limiting the value balance processing to the IC module 30.

Regarding the processing of the terminal-side value balance, the information input to the IC module 30 is encrypted, decrypted inside the IC module 30, and the information output from the IC module 30 is encrypted within these modules. Is output after conversion.
The microphone 20 receives sound from the outside and converts it into an electrical signal.
The acceleration sensor 21 is an inertial sensor for the purpose of measuring acceleration. By measuring the acceleration and performing signal processing, it is possible to obtain various information such as the tilt, movement, vibration, and impact of the mobile terminal 5.
The GPS receiver 22 can measure the current position of the mobile terminal 5 by receiving radio waves from a plurality of GPS satellites and determining the distance from each.

FIG. 5 is a diagram for explaining functions of the mobile terminal 5.
When the electronic money application program is executed, an electronic money application 29 is formed on the portable terminal 5.
In the case of payment at a real store provided with the payment terminal 6, the short-range communication control unit 17 communicates with the payment terminal 6 and with the electronic money server 2 through the payment terminal 6. When payment is made with server-side value, payment is made by reducing the server-side value in real time.
In the case of payment at a real store equipped with the asynchronous payment terminal 7, the short-range communication control unit 17 communicates with the asynchronous payment terminal 7.
Further, the electronic money application 29 can access the IC module 30.

In the case of payment at a real store, the short-range communication control unit 17 can operate the value operation program with the IC module 30 to increase or decrease the terminal-side value balance or read the electronic money number.
Then, when performing the payment process, the IC module 30 receives a request to update (decrease) the value balance from the asynchronous payment terminal 7 via the short-range communication control unit 17, Update (reduce).
The following method is conceivable for the terminal-side value balance update processing performed here.

(Method 1) When transmitting an overwrite command as a terminal-side value balance update request.
In this case, the electronic money server 2 subtracts the payment amount from the terminal-side value balance received from the CPU of the IC module 30 of the mobile terminal 5 and calculates the balance after the subtraction. Then, the asynchronous payment terminal 7 transmits an overwrite command for overwriting the calculated balance as a terminal-side value balance update request. The CPU of the IC module 30 of the portable terminal 5 overwrites and updates the terminal-side value balance in accordance with the overwrite command.
(Method 2) When a subtraction command is transmitted as a terminal-side value balance update request.
In this case, the asynchronous payment terminal 7 transmits a subtraction instruction for subtracting the value balance by the payment amount to the CPU of the IC module 30 of the portable terminal 5 as a terminal-side value balance update request. The CPU of the IC module 30 of the portable terminal 5 updates the terminal-side value balance by subtracting the payment amount from the terminal-side value balance according to the instruction.
Thereafter, the IC module 30 notifies the asynchronous payment terminal 7 that the terminal-side value balance has been updated.

Next, charging at a real store will be described.
This charge is performed on the premise that the clerk operating the asynchronous payment terminal 7 receives money corresponding to the value to be charged. Then, when performing the charging process, the IC module 30 receives a request to update (increase) the terminal-side value balance from the asynchronous payment terminal 7 via the short-range communication control unit 17, and the terminal-side value balance Is updated (increased).
Thereafter, the IC module 30 notifies the asynchronous payment terminal 7 that the terminal-side value balance has been updated.

  In this charge, it is possible to directly charge from the electronic money server 2 without going through the asynchronous payment terminal 7. In this case, the electronic money server 2 is accessed via the communication control unit 16 of the portable terminal 5 and a procedure such as user authentication processing and authorization of a certification authority server such as a credit company server is performed. Then, the mobile terminal 5 receives the money amount change (increase) information from the electronic money server 2, and the IC module 30 updates (increases) the terminal-side value balance.

FIG. 6 is a diagram illustrating an example of a hardware configuration of the asynchronous payment terminal 7.
The asynchronous payment terminal 7 is configured by connecting a CPU 131, a ROM 133, a RAM 134, a communication control unit 135, a storage unit 136, an input unit 137, an output unit 138, a reader / writer unit 139, a display unit 140, and the like through a bus line. It has a function as a payment processing apparatus.
The CPU 131 performs information processing according to a predetermined program, and controls the entire asynchronous payment terminal 7. In the present embodiment, the CPU 131 transmits the amount change information to the IC module 30 of the mobile terminal 5 to perform the amount change process.
The ROM 133 is a read-only memory that stores basic programs and parameters for operating the asynchronous payment terminal 7.
The RAM 134 is a readable / writable memory that provides a working memory for the CPU 131 or loads and stores a program or data stored in the storage unit 136 at any time.
The communication control unit 135 is a connection device that connects the asynchronous payment terminal 7 to the electronic money server 2 via a network.

When the asynchronous payment terminal 7 is installed in a store, the input unit 137 includes input devices such as a keyboard and a barcode reader, for example, and an operator in charge inputs a product code, a payment amount, a charge amount, and the like. It can be input.
When the asynchronous payment terminal 7 is installed at a pass gate, the input unit 137 is connected to, for example, a control device of the pass gate, and accepts an input of the payment amount from the control device of the pass gate. It has become.

When the asynchronous payment terminal 7 is installed in a store, the output unit 138 is connected to, for example, a display unit 140 such as a liquid crystal display device, a printer, etc. It comes to present.
When the asynchronous payment terminal 7 is installed at a passing gate, for example, the output unit 138 is connected to a driving device that drives the gate door, a warning light or an audio output device installed at the passing gate, and the like. It opens and closes the gate door, flashes a warning light and generates a warning sound in synchronization with the opening and closing of the gate door.
The reader / writer unit 139 incorporates an antenna and performs wireless communication with the IC module 30 built in or attached to the portable terminal 5.
When the asynchronous payment terminal 7 is installed in a store, the reader / writer unit 139 is installed in the vicinity of the cash register, and the user brings the mobile terminal 5 or the electronic money card close to the reader / writer unit 139 when the product is settled. It can be made to.
Further, when the asynchronous payment terminal 7 is installed at a passing gate, the reader / writer unit 139 is installed on the front side of the upper surface of the passing gate with respect to the gate door, and when the user passes through the passing gate, The portable terminal 5 or the electronic money card can be brought close to the reader / writer unit 139.

The storage unit 136 includes, for example, a hard disk and other storage media, and a drive device that drives them, and includes a program storage unit 142 that stores various programs, a data storage unit 144 that stores data, and the like. .
The program storage unit 142 causes the OS, which is a basic program for causing the payment terminal 6 to function, and the electronic money card 100 to perform the money amount changing process, or to charge the electronic money server 2 with the shortage amount. Programs are stored.
The data storage unit 144 stores a terminal ID that is ID information of the asynchronous payment terminal 7, usage log data that is a transaction history with the IC module 30, and the like. This usage log data is transmitted to the electronic money server 2 regularly or irregularly by batch processing performed by the CPU 131.

  The display unit 140 displays, for example, on the liquid crystal display device the settlement amount, the balance before settlement, the balance after settlement, the shortage amount when settlement is impossible. In this embodiment, the accumulated price is displayed each time the price of an individual product at the time of settlement processing is input.

FIG. 7 is a diagram for explaining the configuration of the electronic money server 2.
In the electronic money server 2, a CPU 31, a ROM 32, a RAM 33, a communication control unit 34, a storage unit 35 and the like are connected by a bus line 36.
The CPU 31 executes programs recorded in the ROM 32 and the storage unit 35 to control various information processing and the entire electronic money server 2. For example, a charge request is received from the mobile terminal 5 and the charge is executed.
In the payment at the asynchronous payment terminal 7, the electronic money server 2 receives and processes the log data from which the asynchronous payment terminal 7 has updated the value balance later from the asynchronous payment terminal 7.
In the case of the payment terminal 6 that can be connected to the electronic money server 2 online, the value-based payment processing can be performed by updating the server-side value balance in real time while communicating.

The ROM 32 is a read-only memory in which basic programs, parameters, data, and the like for operating the electronic money server 2 are recorded.
The RAM 33 is a readable / writable memory and provides a working memory when the CPU 31 performs information processing.
The communication control unit 34 allows the electronic money server 2 to communicate with the payment terminal 6, the asynchronous payment terminal 7, and the portable terminal 5 via the communication line 8, and communicate with the portable terminal 5 via the Internet 3.
The storage unit 35 is composed of, for example, a large-capacity hard disk, and manages an electronic money management program and other programs for the CPU 31 to perform payment processing by value and charge, and a user's server-side value balance. In addition, a user DB (database) that manages the charge history, a member store DB that manages the value settlement of the member store, a log data DB that stores log data recording each settlement process, and the like are recorded.
In the example of FIG. 7, the single electronic money server 2 has been described. However, the electronic money server 2 may be configured by a plurality of server devices by distributing functions.

Next, a database included in the electronic money server 2 will be described with reference to FIGS.
FIG. 8A is a diagram for explaining a logical configuration of the user DB.
In the present embodiment, an electronic money number is stored corresponding to the user ID. Here, the server-side electronic money number and the terminal-side electronic money number are managed as the same electronic money number, but they may be managed separately. Although not shown, items such as authentication data of the IC module 30 are also stored.
The item “user ID” is user identification information.
The item “electronic money number” is an account number for identifying the value balance from the server-side value balance of another user.
The item “value balance” is a value balance recorded in the account.
The item “name” is the name of the user.
The item “address” is a user's address.
The item “date of birth” is the date of birth of the user. You may make it record age.
The item “telephone number” is the telephone number of the mobile terminal held by the user.
The item “mail address” is a mail address of the mobile terminal held by the user.
The item “other ID” is, for example, a unique ID assigned to receive a service at a specific site.

FIG. 8B is a diagram for explaining the logical configuration of the DB of the gift server 200.
The item “electronic money number” is an account number for identifying the value balance from the server-side value balance of another user.
The item “gift ID” is an ID generated when a gift is given to the user B, and is associated with the electronic money number of the user B.
The item “contents of the gift ID” is the content of the gift, for example, application conditions of the gift (for example, available area, available store, target product, available time, available time zone, etc.) including. Specifically, “5% discount at store A”, “200 yen coffee discount in the morning at store B”, “free cola at store C”, and so on.
The item “expiration date of the gift” is a time limit for using the gift.
The item “whether or not a gift is used” is an item for recording whether or not the gift is used. “Used” is registered when it is used, and “Not yet” is registered when it is not used.
The gift DB in FIG. 8B may be provided in the gift server 200 separately from the electronic money server 2, but may be provided in the electronic money server 2 in the same manner as other DBs. .

Next, the processing procedure of this embodiment is demonstrated with reference to a flowchart.
First, the process of transferring money from the mobile terminal A to the mobile terminal B will be described with reference to the flowchart of FIG.
Here, it is assumed that the user (user A) of the mobile terminal A sends money to the user (user B) of the mobile terminal B. As shown in FIG. 2, the remittance that the user A performs to the user B by electronic money is performed by moving the server-side value balance in the electronic money server 2.
First, the user A makes an application for remittance with a gift to the electronic money server 2 (step 10). At this time, information specifying the amount to be remittance and the remittance destination is also transmitted. This transmission may be performed simultaneously in accordance with a predetermined form at the time of application, or may be described in a form transmitted from the electronic money server 2 and returned.
The information specifying the remittance destination includes the other party's electronic money number, the other party's ID (email address, user name of a specific site), the phone number of the mobile terminal B, the other party's address, name, etc. You may make it select with GUI from the photograph etc. of a social network service.

The electronic money server 2 that has received the application for remittance with gift searches the DB (database) of the other party (mobile terminal B) from the information specifying the remittance destination, and acquires the electronic money number (specify the remittance destination) When the electronic money number is transmitted as the information to be acquired, the electronic money number is acquired as it is). Then, the usage log related to the electronic money number is searched to obtain a purchase history (step 15).
A gift candidate is selected from the acquired purchase history. For example, if user B has eaten and eaten at a fast food store in the past and purchases private brand sweets at a convenience store regularly, a coffee voucher for the fast food store or a discount voucher for a convenience store sweet As a candidate. By selecting gift candidates in this way, when the gift is sent to the user B, the gift becomes a useful gift for the user B, and the possibility of being used as a result increases.

  In the example shown here, in response to a remittance request of 3000 yen, electronic money 2900 yen is remittated and a gift of 200 yen is given to the user B. Of the 200 yen portion of the gift, a portion of the remittance request amount is funded for 100 yen, and the advertiser pays the remaining 100 yen. As a gift, a 200 yen coffee ticket for the fast food store or a 200 yen discount ticket for a convenience store sweet is presented as a candidate. As a result, instead of reducing the amount of electronic money received, the user B can obtain an electronic gift with a surplus that compensates for the reduced amount although there is a limitation in time and space.

Then, the electronic money server 2 transmits a remittance content confirmation as shown in FIG. 11 (1) to the mobile terminal A (step 20). Transmission to the portable terminal A is performed by electronic mail. In addition, notification may be displayed on another method, for example, an application on the mobile terminal A, display on SNS, or display on a screen after login of a specific site.
Moreover, if the process of step 10 is performed with an HTTP request, the process of step 20 may be the response. Then, a hyperlink (URL) is described in the electronic mail in step 20, and when the user of the portable terminal A clicks on the link, an HTTP request including or specifying the content of step 25 is sent to the electronic money server 2. It may be transmitted.

Then, the remittance content confirmation transmitted in step 20 is displayed on the input unit 14 of the portable terminal A as the screen of FIG.
On the other hand, the user A confirms the remittance amount and, if there is an error, requests the electronic money server 2 to correct it. Further, one gift may be selected from a plurality of gift candidates, or a plurality of candidates may be sent to the user B as they are and selected on the user B side. The gift may not be added depending on the selection of the user A.
Further, another candidate may be requested from the electronic money server 2.
Further, the user A may select a gift and request to add it as a gift candidate.
Note that the processing from step 10 to step 25 may be performed simultaneously as one processing.

When the user A confirms the remittance amount and selects a gift, the portable terminal A transmits the remittance content confirmation / gift selection to the electronic money server 2 (step 25). Transmits to the mobile terminal B the request for remittance from the user A and requests confirmation of remittance receipt (step 30).
In response to this, when the user B sends a remittance approval from the portable terminal B to the electronic money server 2 (step 35), the electronic money server 2 sends the remittance content to the portable terminal B as shown in FIG. A confirmation is sent (step 40). At this time, if a plurality of gifts are presented, the selection is requested.
In addition, when a plurality of gifts are accepted and one gift is used, another gift may be expired at that stage.

Here, the electronic money server 2 receives remittance content confirmation / gift selection transmission from the portable terminal B (step 45). Note that the processing from step 25 to step 40 may be performed simultaneously as one processing.
Then, the electronic money server 2 executes a remittance process (Step 50).
This remittance process is performed by decreasing the server-side value balance of the mobile terminal A by 3000 yen and increasing the value balance of the mobile terminal B by 2900 yen.
Thereafter, the electronic money server 2 generates a gift ID containing the gift designated by the user A or selected by the user B (step 55), and generates the generated gift ID and the electronic money number of the mobile terminal B. Registration is performed in association with each other (step 60). This registration may be performed in the DB in the electronic money server, or may be performed in the DB in the gift server 200 that can be connected to the electronic money server via the Internet 3 as shown in FIG.

Subsequently, the electronic money server 2 transmits a remittance completion notice to the mobile terminals A and B (step 65). You may make it notify simultaneously that the gift was registered with respect to the portable terminal B. FIG.
The mobile terminal A receives the remittance completion notification (step 70) and the mobile terminal B receives (step 75), and the remittance process according to the present embodiment is completed.

  Note that the terminal-side value balance stored in the IC module 30 of the user A's portable terminal 5 </ b> A can be uploaded to the server-side value balance of the user A stored in the electronic money server 2. In addition, the server B value balance of the user B can be downloaded to the mobile terminal 5B of the user B. This uploading and downloading may be set to be performed automatically, or may be performed manually based on a user operation. This download may be performed when the user B clicks the remittance URL.

If the remittance process and the upload process / download process can be arbitrarily combined, a more flexible remittance service can be provided.
For example, the user stored in the electronic money server 2 from the terminal-side value balance stored in the IC module 30 of the mobile terminal 5A of the user A by automatically and continuously executing the upload process and the remittance process. Electronic money can be transferred to B's server-side value balance. In addition, by automatically and continuously executing the remittance process and the download process, the server A value balance stored in the electronic money server 2 is stored in the IC module 30 of the user B portable terminal 5B. The electronic money can be transferred to the terminal side value balance.
Further, the upload process, the remittance process, and the download process are automatically and continuously executed, so that the terminal B value balance stored in the IC module 30 of the user A mobile terminal 5A Electronic money can be transferred to the terminal-side value balance stored in the IC module 30.

Next, a gift selection method will be described.
In the above-described example, the purchase history of the user of the portable terminal B is searched and the gift candidate is selected. However, the gift candidate can be selected by other methods. If the gift B is not used by the user B, it is meaningless to give the gift. Therefore, it is desirable for the user B to select a gift that matches the needs.
Specifically, the selection is made using the user B's gift use history, various coupon use history, and user B's personal information. The personal information includes the user's age, sex, address, and the like. Moreover, you may make it select considering the positional information (acquired from the GPS receiver 22) of the portable terminal B, and the positional information on a shop.
Further, selection may be made in consideration of the popularity order information of gifts, the remittance amount between user A and user B, and the remittance fee amount. Considering the popularity order information of gifts means presenting products (services) that are popular as gifts and recommending them to user A or user B.

  Suppose user B lives in the vicinity of Koenji Station and purchases wine that is a private brand of Super D from the purchase history. Then, on the premise that the super D exists in the vicinity of Koenji Station from the location information of the store, a discount coupon for wine as a private brand is given as a gift.

As another gift selection method, a method of selecting an advertiser with an emphasis on the intention of the advertiser can be given.
For example, when the user of the portable terminal B regularly uses the fast food store E company and the company F from the purchase history, the competing company G company is presented as an advertiser with a coffee ticket for 200 yen. You may do it. In this case, Company G can be expected to guide regular customers of other stores to its own store, so it is possible to increase the motivation to become an advertiser.
Also, in order to go to the drug store H in front of the station from the address of the user B, it is assumed that a round trip transportation fee of 200 yen (bus fee) must be borne. At this time, on the condition that some shopping is performed using the electronic money at the drug store H, a transportation fee of 200 yen may be given as a gift. As the drug store H can expect to visit the store, the motivation to become an advertiser can be enhanced.

In the above-described embodiment, an example in which one or a plurality of gift candidates is selected on the user A side has been described. However, the user A can select not to select a gift but to leave all selections to the user B. You may do it.
In addition, the user B who receives a gift may receive (temporarily register) a plurality of gift candidates, and another gift may be expired when one gift is used.

A gift usually has an expiration date, and at least user B needs to be notified when the gift is given.
In addition, if the gift is not used after a certain period of time, for example, an e-mail is sent to User B such as “Gift expiration date has been reached. May be prompted.
The place where the gift is used is not limited to the inside of the store, and may be, for example, a vending machine, a gate opening / closing gate of a ticket gate installed in a station, or a settlement terminal in a taxi.
Also, even if gifts are issued by chain stores nationwide, the store where gifts can be used is limited to one specific store or certain areas (for example, Shinjuku Ward, Okinawa Prefecture, Kyushu) You may do it.

You may make it provide a restriction | limiting in the use time of a gift. For example, in the case of a restaurant, since it can be used only during times other than lunch (11:30 am to 1:30 pm), customers can come to the store other than when it is crowded. Can contribute.
In addition, as shown in the above example, if you use a gift of 200 yen coffee voucher at a fast food restaurant and eat or drink more than a certain amount, give the gift again at the expense of the store. May be. By doing so, it is possible to encourage customers who have visited the store with gifts to visit the store again.

Each time a gift is generated, the burden condition of the gift resources (for example, the price per unit, the burden ratio between the user A and the advertiser) can be set. In this way, the advertiser can place an advertisement flexibly according to his / her strategy.
In addition, gift resources may be arbitrarily added according to the intention of user A or user B. By doing so, it can be expected that the advertiser's burden on the gift will be increased according to the burden condition (ratio) of the funds. In particular, according to the intention of the user B, the amount (deduction amount) of the amount to be transferred to the gift source may be increased.
The gift may be a gift certificate that does not limit the use. In this case, the payment is made by subtracting 100 yen from the selling price with "gift (gift certificate) for 100 yen".

The collection of the advertising fee from the advertiser may be charged when the gift is issued, but may be charged on the condition that the gift is actually used as a result reward.
For example, if advertising fees are charged for performance compensation, advertisers do not have to pay unnecessary advertising fees, and at least it is much more efficient customer guidance than distributing discount tickets at storefronts or on the streets. It can be performed.

  Next, a processing procedure in which a gift is used at the time of settlement will be described with reference to the flowcharts of FIGS. FIG. 3 is a diagram for explaining a scene where a gift is used. When the user B makes payment using electronic money, the electronic money number is sent from the IC module 30 to the payment terminal 6 when the portable terminal 5B is held over the reader / writer unit 139 of the payment terminal 6. The electronic money number is sent to the electronic money server 2. The electronic money server 2 searches the gift server 200 for a gift ID associated with the electronic money. As a result of the search, if the gift ID exists, the gift content is acquired, and if the content matches the settlement content, the electronic money server 2 makes a settlement with the content of the gift to the settlement terminal 6. Instruct to do.

First, FIG. 12 and FIG. 13 are flowcharts for explaining payment processing using a terminal-side value balance in a hybrid electronic money system in which a terminal-side value balance and a server-side value balance coexist. The payment terminal 6 used here is a synchronous payment terminal 6 accessing the electronic money server 2 in real time.
First, in the store, the payment terminal 6 acquires the payment contents by manual input of a store clerk or reading of a barcode (step 100). Here, the payment contents are an item and a price.
Here, the store clerk asks the user B to hold the portable terminal B over the reader / writer unit 139, and requests an electronic money number from the reader / writer unit 139 to the portable terminal B (step 105). In response to this, the electronic money application of the portable terminal B transmits the electronic money number to the payment terminal 6 (step 110).

At this time, when the user B transmits a request to make a payment using a gift, the electronic money server 2 is searched for a gift ID and requested to make a payment.
However, payment may be made using a gift even if there is no request from user B. In this case, even if the user B has forgotten the presence of the gift, the payment can be made using the gift. When notifying the completion of the payment at the completion of the payment, the message “I made a payment with a gift from Mr. A” may be displayed or printed on the receipt.

The payment terminal 6 receives the electronic money number from the portable terminal B (step 115), and transmits it to the electronic money server 2 together with the payment contents acquired in step 100 (step 120).
After receiving the payment contents and the electronic money number from the payment terminal 6 (step 125), the electronic money server 2 searches for a gift ID registered in association with the received electronic money number (step 130). If this gift ID is registered in the gift server 200, the gift server 200 is searched. If it is registered in the DB in the electronic money server 2, the DB is searched.
As a result, if there is a gift ID registered in association with the received electronic money number (step 135; Y), the gift content of the gift ID is acquired (step 140).

Then, it is determined whether or not the gift content of the acquired gift ID matches the payment content acquired in step 120 (step 145). As a result, when the gift content of the gift ID matches the payment content (step 145; Y), the payment amount is determined taking into account the matched gift content (step 153).
On the other hand, when there is no gift ID registered in association with the received electronic money number (step 135; N), or when the gift content of the gift ID does not match the payment content (step 145; N), The electronic money server 2 determines the payment amount based on the payment content acquired in Step 120 (Step 152).

When the settlement amount is confirmed, the electronic money server 2 transmits a terminal value balance subtraction request to the IC module 30 of the portable terminal B. This transmission is performed via the payment terminal 6 (step 160).
The IC module 30 of the mobile terminal B that has received this terminal-side value balance subtraction request performs a terminal-side value balance subtraction process (step 165), and informs the settlement terminal 6 that the terminal-side value balance subtraction process has been completed. Through the electronic money server 2 (step 170).

The electronic money server 2 that has received the notification that the terminal-side value balance subtraction process has been completed transmits a payment completion notification to the payment terminal 6 (step 175). The payment terminal 6 that has received the payment completion notification performs notification that the payment is completed (for example, emits a payment sound indicating the completion of payment) (step 180).
On the other hand, the electronic money server 2 registers the use log data in the log data DB (step 185), and registers that the gift processing related to the gift ID is completed when the gift is used (step 190). ), The process is terminated. In the update of the gift DB, if a gift is registered in the gift server 200, “gifted” is registered in the DB if the gift is registered in the DB in the electronic money server. .

Next, with reference to FIG. 14, in the hybrid electronic money system in which the terminal-side value balance and the server-side value balance coexist, settlement processing using the server-side value balance will be described. The payment terminal 6 used here is also a synchronous payment terminal that is accessing the electronic money server 2 in real time.
The same processes as those in the flowchart of FIG. 12 will be described with the same step numbers.
Steps 100 to 145 are the same as those in the flowchart of FIG.
When the electronic money server 2 determines in step 145 that the gift content of the acquired gift ID matches the payment content acquired in step 120 (step 145; Y), the payment is performed in consideration of the gift content. (Step 147). Specifically, a settlement price corresponding to “coffee discount of 200 yen”, “free cola”, etc. is calculated, and settlement is performed based on the calculated settlement price. This settlement is performed by subtracting the server-side value balance for the calculated settlement price.
If the gift ID does not exist (step 135; N), and if there is no match between the gift content and the payment content (step 145; N), a normal payment is performed (step 146). That is, the server-side value balance for the settlement price is subtracted.

Thereafter, the electronic money server 2 transmits a payment completion notification to the payment terminal 6 (step 175). Then, the payment terminal 6 notifies that the payment is completed (for example, emits a payment sound indicating the completion of payment) (step 180).
On the other hand, when the gift is used, the electronic money server 2 registers that the processing of the gift related to the gift ID is completed (step 190), and ends the processing.

Next, a modified example of the processing in FIGS. 12 and 13 will be described with reference to the flowcharts in FIGS. 15, 16, and 17.
This modified example also performs settlement processing using the terminal-side value balance in a hybrid electronic money system in which the terminal-side value balance and the server-side value balance coexist.
The payment terminal 6 used here is a synchronous payment terminal that is accessing the electronic money server 2 in real time. In addition, the same process as the flowchart of FIG. 12, FIG. 13 attaches | subjects and demonstrates the same step number.
This modification is characterized in that the gift content of the gift ID is transmitted from the electronic money server 2 to the payment terminal 6 and the payment terminal side determines whether or not the gift content matches the payment content.

Steps 100 to 115 are the same process. Then, the electronic money number is transmitted from the settlement terminal 6 to the electronic money server 2 (step 121). Here, there is no need to transmit the payment details.
Then, after receiving the electronic money number from the payment terminal 6 (step 126), the electronic money server 2 searches for a gift ID registered in association with the received electronic money number (step 130). If this gift ID is registered in the gift server 200, the gift server 200 is searched. If it is registered in the DB in the electronic money server 2, the DB is searched (step 135).
As a result, if there is a gift ID registered in association with the received electronic money number (step 135; Y), the gift content of the gift ID is acquired (step 140).
And the gift content of the acquired said gift ID is transmitted to the payment terminal 6 (step 151). On the other hand, if the gift ID registered in association with the received electronic money number does not exist (step 135; N), a notification that no gift exists is transmitted (step 149).

The payment terminal 6 determines whether there is an applicable gift in relation to the payment content acquired in Step 100 (Step 155). If there is no applicable gift (step 155; N), the settlement amount is determined based on the settlement content acquired in step 100 (step 156).
On the other hand, when there is an applicable gift (step 155; Y), the settlement amount is determined taking into account the gift content (step 157).
When the settlement amount is confirmed, the settlement terminal 6 transmits a settlement request specifying the settlement amount to the electronic money server 2 and further transmits a gift use notification when the gift is used (step 158).
The processing from step 160 to step 190 is the same as that in FIG.

Next, another modification will be described.
In this modification, it is assumed that the mobile terminal B holds a gift ID in advance. In order to hold the gift ID in advance, the portable terminal B receives the gift ID from the electronic money server 2 at the same time when receiving the remittance completion notification in step 75 of FIG.
Then, the received gift ID is stored in the storage unit 18 or the storage unit 27 of the IC module 30.

Next, when making a payment, the payment terminal 6 acquires the electronic money number and the gift ID, acquires the gift contents of the gift ID from the electronic money server 2, and if the payment contents match the payment contents, Make payments that take into account the contents.
According to this modification, it is not necessary to hold a pair of an electronic money number and a gift ID in the DB of the gift server 200 or the electronic money server 2.

Further, if the gift content of the gift ID is held in the payment terminal, it is possible to determine whether or not to perform payment in consideration of the gift content on the payment terminal side.
Therefore, even the asynchronous payment terminal 7 that cannot connect to the electronic money server 2 in real time can realize this service.
For gifts that can be used at a plurality of stores and have a limited number of uses, whether or not they are used on the server side (for example, electronic money server 2 or gift server 200) that can be accessed in common from the payment terminal. It is preferable to manage the above.

Next, real-time transfer will be described.
Usually, when transferring money by bank transfer, when transferring to another bank, or when transferring outside business hours, money transfer cannot be performed in real time, and the transfer may be handled the next business day. With electronic money remittance, remittance can be performed in real time regardless of business hours and remittance destinations.
On the other hand, when remittance with electronic money, whether or not to perform in real time is set as an option, and if an option to be performed in real time is not selected, a gift may be added. That is, the user A is made to select real-time transfer or transfer with gift that is not real-time.
In this way, it may be configured such that a gift can be added only when a certain restriction is imposed on remittance of electronic money.

Further, when the user B receives electronic money remittance with the restriction on the usage limitation being disabled, the privilege (return rate, discount rate) by the gift may be increased according to the amount limited to the usage.
Further, when the user B uses electronic money so as to satisfy the application condition of the electronic gift, the value may be returned to the user A at the burden of the advertiser or the electronic money service provider. For example, the server-side value balance of user A may be updated.

1 Electronic Money System 2 Electronic Money Server 3 Internet 4 Electronic Money Card 5 Mobile Terminal 6 Payment Terminal 7 Asynchronous Payment Terminal 8 Communication Line 11 CPU
12 ROM
13 RAM
DESCRIPTION OF SYMBOLS 14 Input part 15 Output part 16 Communication control part 17 Near field communication control part 18 Memory | storage part 19 Bus line 20 Microphone 21 Acceleration sensor 22 GPS receiver 26 Information processing part 27 Memory | storage part 29 Electronic money application 30 IC module 31 CPU
32 ROM
33 RAM
34 Communication control unit 35 Storage unit 36 Bus line

Claims (11)

When electronic value is transferred from the remittance source account to the remittance destination account, the remittance destination is an electronic ticket in which the application conditions related to use by the remittance destination user are specified by a third party who is neither the remittance source user nor the remittance destination user. Ticket registering means associated with the user and stored in the ticket storing means;
A process for causing the third party to pay at least a part of the amount corresponding to the content of the electronic ticket for the use of the electronic value accompanied by the electronic ticket satisfying the application condition by the remittance destination user. Settlement execution means,
With
The ticket registration means that, according to the designation of the remittance source user, at least a part of the remittance request amount designated by the remittance source user becomes at least a part of the amount corresponding to the contents of the electronic ticket, only if the limit about the remittance value by remittance source user is provided, registering the electronic ticket,
Electronic money server, characterized in that the amount of the previous Symbol electronic value to be transferred the amount of money obtained from the remittance amount required to reduce a part from the remittance original account to the remittance destination account.
Based on the electronic money usage tendency of the remittance destination user indicated by the electronic money usage history of the remittance destination user stored in the history storage means in association with the remittance destination account, application conditions suitable for the electronic money usage trend are specified. A selection means for selecting candidate tickets
2. The electronic money server according to claim 1, wherein the ticket registration unit stores in the ticket storage unit one or more electronic tickets specified from the candidate tickets selected by the selection unit. .
First providing means for presenting the contents of the candidate ticket selected by the selecting means to the remittance destination user,
The ticket registration means stores one or a plurality of electronic tickets designated by the remittance destination user from the candidate tickets presented by the first presentation means in the ticket storage means. 2. The electronic money server according to 2.
A second presentation means for presenting the contents of the candidate ticket selected by the selection means to the remittance source user;
When the ticket registration means designates one electronic ticket from the candidate tickets presented by the second presentation means by the remittance source user, the ticket storage means stores the one electronic ticket in the ticket storage means, If one electronic ticket is not designated by the remittance source user from among the electronic tickets presented by the second presenting means, it is designated by the remittance destination user from among the candidate tickets presented by the first presenting means. 4. The electronic money server according to claim 3, wherein one or more electronic tickets are stored in the ticket storage means.
The selection means selects the electronic ticket in which an application condition that can be used at least in the activity area of the remittance destination user found from the remittance destination user's electronic money use history stored in the history storage means is selected. The electronic money server according to any one of claims 2 to 4, wherein the electronic money server is characterized in that:
In each of the electronic tickets, the third party further specifies a deduction amount to be incorporated into the funds from the remittance request amount or a calculation formula thereof,
The selection means selects the candidate ticket so that the deduction amount falls within an amount obtained by multiplying the remittance request amount by a predetermined coefficient. The electronic money server according to any one of the above.
Further comprising an increase request acquisition means for acquiring an increase request for the predetermined coefficient designated by the remittance destination user or the remittance source user;
The said selection means selects the said candidate ticket so that the said deduction amount may be settled in the amount obtained by multiplying the said remittance request amount by the predetermined coefficient after the increase, The candidate ticket is characterized by the above-mentioned. Electronic money server.
The settlement execution means is further configured to cause the third party to bear the funds for increasing the balance of the remittance source account when the remittance user uses the electronic money that satisfies the application conditions. The electronic money server according to any one of claims 1 to 7, wherein the electronic money server executes processing.
When electronic value is transferred from the remittance source account to the remittance destination account, the remittance destination is provided with an electronic ticket in which an application condition regarding use by the remittance destination user is specified by a third party who is neither the remittance source user nor the remittance destination user. A ticket registration step associated with the user and stored in the ticket storage means;
A process for causing the third party to pay at least a part of the amount corresponding to the content of the electronic ticket for the use of the electronic value accompanied by the electronic ticket satisfying the application condition by the remittance destination user. Checkout execution step,
Including
In the ticket registration step, according to the designation of the remittance source user, at least a part of the remittance request amount specified by the remittance source user is at least a part of the amount corresponding to the contents of the electronic ticket, only if the limit about the remittance value by remittance source user is provided, registering the electronic ticket,
Electronic money remittance method by a computer, characterized in that the amount of electronic value to be transferred the amount of money obtained by reduction a part from the front Symbol transfer the requested amount from the remittance original account to the remittance destination account.
When electronic value is transferred from the remittance source account to the remittance destination account, the remittance destination is provided with an electronic ticket in which an application condition regarding use by the remittance destination user is specified by a third party who is neither the remittance source user nor the remittance destination user. A ticket registration function to be associated with the user and stored in the ticket storage means;
A process for causing the third party to pay at least a part of the amount corresponding to the content of the electronic ticket for the use of the electronic value accompanied by the electronic ticket satisfying the application condition by the remittance destination user. Checkout execution function,
In the ticket registration function, according to the designation of the remittance source user, at least a part of the remittance request amount specified by the remittance source user becomes at least a part of the amount corresponding to the contents of the electronic ticket, only if the limit about the remittance value by remittance source user is provided, registering the electronic ticket,
Program for realizing that the amount of money obtained by reduction a part from the front Symbol transfer the requested amount from the remittance original account and the amount of electronic value to be transferred to the remittance destination account on the computer.
When electronic value is transferred from the remittance source account to the remittance destination account, the remittance destination is provided with an electronic ticket in which an application condition regarding use by the remittance destination user is specified by a third party who is neither the remittance source user nor the remittance destination user. A ticket registration function to be associated with the user and stored in the ticket storage means;
A process for causing the third party to pay at least a part of the amount corresponding to the content of the electronic ticket for the use of the electronic value accompanied by the electronic ticket satisfying the application condition by the remittance destination user. Checkout execution function,
In the ticket registration function, according to the designation of the remittance source user, at least a part of the remittance request amount specified by the remittance source user becomes at least a part of the amount corresponding to the contents of the electronic ticket, only if the limit about the remittance value by remittance source user is provided, registering the electronic ticket,
Reading computer recording a program for realizing that the amount of pre-Symbol electronic value to be transferred amounts obtained from remittance amount required to reduce a part from the transfer source account to the transfer destination account to the computer Possible recording media.

Images