JP7261593B2 - System and program - Google Patents

Description

The present invention relates to systems and programs.

2. Description of the Related Art A system that uses a non-contact IC card to settle purchases of merchandise is known (see Patent Document 1, for example).
Patent document 1 JP 2012-088952 A

For example, in a device such as a mobile terminal or an IC card that has an electronic money function, in order to change the electronic money balance associated with the device, hardware for reading electronic money information is required for the device. is. Therefore, it is not easy to transfer electronic money between individuals.

In a first aspect, a system is provided. The system is a system for exchanging electronic money between a first device having electronic money functions and a second device having electronic money functions. The system comprises a receiver that receives identification information of a first device and identification information of a second device that receives electronic money from the first device. The system predetermines a balance of first electronic money associated with the first device when the first device becomes capable of communicating with a first payment terminal for settlement of commercial transactions using electronic money. a first information output unit for outputting first information to decrease by the amount obtained; The system predetermines the balance of the second electronic money associated with the second device when the second device becomes capable of communicating with the second payment terminal for settlement of commercial transactions using electronic money. a second information output unit for outputting second information to be increased by the calculated amount;

The receiving unit may further receive information indicating an award amount of electronic money specified by the user of the first device. The first information output unit may output the first information that decreases the balance of the first electronic money by the award amount when the first device becomes capable of communicating with the first payment terminal. The second information output unit may output the second information for increasing the balance of the second electronic money by the award amount when the second device becomes capable of communicating with the second payment terminal.

The first payment terminal may be a terminal used to settle commercial transactions made by a user of the first device. The first information may be information for reducing the balance of the first electronic money by the sum of the settlement amount of the commercial transaction and a predetermined amount.

The system may further include a first notification unit that notifies the user of the second device when the first information is output.

The system may further include a second notification unit that notifies the user of the first device when the second information is output.

After outputting the first information, if the system does not output the second information by a predetermined timing before the predetermined receiving period, the first device and the second A third notifier for notifying at least one user of the device may be further provided.

When the first device becomes capable of communicating with a third settlement terminal for settlement of commercial transactions using electronic money, the system reduces the balance of the first electronic money by a predetermined amount, and then Third information for outputting third information for increasing the balance of the first electronic money by a predetermined amount when the second information is not output until the predetermined receiving period elapses. An output unit may be further provided.

The first payment terminal may be a terminal for paying transportation fares with electronic money. When communication with the first payment terminal becomes possible, the first information output unit outputs the first electronic money balance on the condition that the balance of the first electronic money is equal to or greater than the total amount of the fare and the predetermined amount. Information may be output.

The second payment terminal is a terminal for making payments for transportation fares using electronic money, and may be a terminal provided at an entrance or exit location of the transportation.

The receiving unit may further receive electronic money transfer conditions specified by the user of the first device. The transfer condition may include a condition regarding at least one of the second electronic money balance and the frequency of electronic money transfer. At least one of the first information and the second information may be output on the condition that the transfer condition is satisfied.

In a second aspect, a program is provided. The program causes the computer to function as the system described above.

It should be noted that the above summary of the invention does not list all the features of the invention. Subcombinations of these feature groups can also be inventions.

1 schematically illustrates a usage pattern of system 100 according to one embodiment. An example of a block configuration of the server 40 is shown. 4 schematically shows an operation screen for transmitting the electronic money ID of the IC card 20 to the user terminal 22. FIG. 4 schematically shows an operation screen for registering information for remittance of electronic money to another user's IC card 20. FIG. An example of transfer information stored in the storage unit 48 of the server 40 is shown in a table format. An example of a processing sequence performed between the ticket gate 30a and the server 40 is shown. An example of a processing sequence performed between the ticket gate 30b and the server 40 is shown. An example of the flowchart which shows a process when the server 40 receives payment related information is shown. As a modified example of the system 100, an operation screen for setting conditions for giving and receiving electronic money is schematically shown.

Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the invention according to the claims. Also, not all combinations of features described in the embodiments are essential for the solution of the invention.

FIG. 1 schematically illustrates the usage of system 100 according to one embodiment. The system 100 includes a server 40 , a ticket gate 30 a , a ticket gate 30 b , an IC card 10 , an IC card 20 , a user terminal 12 , and a user terminal 22 .

Each of the IC card 10 and the IC card 20 has an electronic money function. The IC card 10 and the IC card 20 each have an IC chip that stores the balance of electronic money. The IC card 10 and the IC card 20 are, for example, contactless IC cards having an NFC (Near Field Communication) function. The IC card 10 and the IC card 20 are examples of devices having an electronic money function.

IC card 10 is a card owned by user 110 . IC card 20 is a card owned by user 120 . The user 110 uses the electronic money function of the IC card 10 to settle commercial transactions. The user 120 uses the electronic money function of the IC card 20 to settle commercial transactions.

The system 100 is a system for exchanging electronic money between the IC card 10 and the IC card 20 . It is assumed that the IC card 10 is an IC card for giving electronic money, and the IC card 20 is an IC card for receiving electronic money. For the purpose of easy understanding, the IC card 10 may be referred to as the "remittance source IC card" and the IC card 20 may be referred to as the "remittee IC card".

The user terminal 12 is a terminal used by the user 110 . The user terminal 22 is a terminal used by the user 120 . The user terminal 12 and the user terminal 22 may be mobile terminals, personal computers, and the like, for example. Examples of mobile terminals include mobile phones, smart phones, PDAs, tablets, notebook computers, laptop computers, wearable computers, and the like. User terminal 12 and user terminal 22 communicate with server 40 over network 90 .

The ticket gate 30a and the ticket gate 30b are used by the user 110 and the user 120 to settle the railway fares. The ticket gate 30a and the ticket gate 30b are provided at the ticket gate of the railway station. The ticket gate 30a may function as an exit ticket gate from a train station. The ticket gate 30b may function as a ticket gate for entering the station. In addition, the ticket gate 30a and the ticket gate 30b may be generically called "the ticket gate 30."

The user 110 registers in the user terminal 12 the electronic money ID of the IC card 10 of the remittance source, the electronic money ID of the IC card 20 of the remittance destination, and the transfer amount. The electronic money ID of the IC card 10 is an example of identification information of the IC card 10 . The electronic money ID of the IC card 20 is an example of identification information of the IC card 20 . The electronic money ID is, for example, information printed on the faces of the IC cards 10 and 20 .

The user terminal 12 transmits to the server 40 the electronic money ID of the remittance source IC card 10 , the electronic money ID of the remittance destination IC card 20 , and transfer information including the remittance amount. The server 40 stores the transfer information received from the user terminal 12 .

When the user 110 passes the ticket gate 30a and holds the IC card 10 over the reader/writer section of the ticket gate 30a, communication between the IC card 10 and the ticket gate 30a is started. The ticket gate 30a transmits to the server 40 the electronic money ID read from the IC card 10, the electronic money balance, and the fare. The server 40 subtracts the total amount of the fare and the remittance amount from the electronic money balance, and transmits information indicating the new electronic money balance to the ticket gate 30a. When the reader/writer unit of the ticket gate 30a receives the information indicating the new balance of electronic money from the server 40, it writes the new balance of electronic money to the IC card 10 to enable communication between the IC card 10 and the ticket gate 30a. disconnect.

After that, when the user 120 passes the ticket gate 30b and holds the IC card 20 over the reader/writer section of the ticket gate 30b, communication between the IC card 20 and the ticket gate 30b is started. The ticket gate 30b transmits to the server 40 the electronic money ID read from the IC card 20 and the electronic money balance. The server 40 adds the remittance amount to the electronic money balance associated with the electronic money ID, and transmits information indicating the new electronic money balance to the ticket gate 30b. When the reader/writer unit of the ticket gate 30b receives the information indicating the new balance of electronic money from the server 40, it writes the new balance of electronic money to the IC card 20 and disconnects the communication between the IC card 20 and the ticket gate 30b. do.

According to the system 100 , electronic money can be transferred between the IC card 10 and the IC card 20 through the ticket gate 30 . Therefore, the user 110 and the user 120 can easily transfer electronic money between individuals without preparing hardware for reading and writing electronic money information on the IC card 10 and the IC card 20 or taking complicated procedures. be able to.

FIG. 2 shows an example of a block configuration of the server 40. As shown in FIG. The server 40 includes a processing device 42 and a storage unit 48 .

Server 40 provides a system for exchanging electronic money between IC card 10 and IC card 20 . The server 40 may be a system implemented by one computer. The server 40 may be a system realized by multiple computers.

The processing device 42 is realized by, for example, an information processing device including a processor. The storage unit 48 is realized by a nonvolatile storage device. The processing device 42 performs processing using information stored in the storage unit 48 .

The processing device 42 includes a receiving section 210 , a payment information receiving section 220 , a processing section 200 , a notification section 230 and an information output section 240 . Notification unit 230 includes first notification unit 231 , second notification unit 232 , and third notification unit 233 . The information output section 240 includes a first information output section 241 , a second information output section 242 and a third information output section 243 .

The receiving unit 210 receives the identification information of the IC card 10 and the identification information of the IC card 20 . For example, the receiving unit 210 receives the identification information of the IC card 10 and the identification information of the IC card 20 from at least one of the user terminal 12 and the user terminal 22 . Note that the electronic money ID of the IC card 10 is an example of identification information of the IC card 10 . The electronic money ID of the IC card 20 is an example of identification information of the IC card 20 .

The first information output unit 241 reduces the balance of the first electronic money associated with the IC card 10 by a predetermined amount when the IC card 10 becomes communicable with the ticket gate 30a. Output information. The second information output unit 242 increases the second electronic money balance associated with the IC card 20 by a predetermined amount when the IC card 20 becomes communicable with the ticket gate 30b. Output information.

The ticket gate 30a is an example of a first settlement terminal for settlement of commercial transactions using electronic money. The ticket gate 30b is an example of a second settlement terminal for settlement of commercial transactions using electronic money. The ticket gate 30a and the ticket gate 30b of this embodiment are separate ticket gates 30. FIG. However, the ticket gate 30a and the ticket gate 30b may have the same function. For example, the ticket gate 30a may function as the ticket gate 30b. Moreover, the ticket gate 30b may function as the ticket gate 30a.

The receiving unit 210 further receives information indicating the amount of electronic money designated by the user 110 of the IC card 10 . The first information output unit 241 outputs first information that decreases the balance of the first electronic money by the award amount when the IC card 10 becomes communicable with the ticket gate 30a. The second information output unit 242 outputs second information for increasing the balance of the second electronic money by the awarded amount when the IC card 20 becomes communicable with the ticket gate 30b.

The payment information receiving unit 220 acquires payment related information from the ticket gate 30 . The processing unit 200 generates first information and second information based on payment-related information and transfer information. Processing for generating the first information and the second information will be described with reference to FIGS. 6 to 8 and the like.

The ticket gate 30a is a terminal used when the user 110 of the IC card 10 settles a commercial transaction. The ticket gate 30b is a terminal used when the user 120 of the IC card 20 settles a commercial transaction. The first information is information for decreasing the balance of the first electronic money by the sum of the settlement amount of the commercial transaction and a predetermined amount. For example, the first information is information that reduces the first electronic money balance by the total amount of the transaction settlement amount and the awarded amount specified by the user 110 .

The first notification unit 231 notifies the user 120 of the IC card 20 when the first information is output. For example, when the first information is output, the first notification unit 231 notifies the user 120 of the IC card 20 of information indicating that electronic money can be received. For example, the first notification unit 231 transmits an e-mail whose destination address is the e-mail address of the user 120 stored in the storage unit 48 in association with the IC card 20 . The first notification unit 231 enables the reception of electronic money to a data server that provides data for the electronic money application software so that the user 120 can be notified through the electronic money application software of the user terminal 12. Information may be sent indicating that the

The second notification unit 232 notifies the user 110 of the IC card 10 when the second information is output. Thereby, the user 110 can confirm that the user 120 has received the electronic money.

After outputting the first information, the third notification unit 233, if the second information is not output within a predetermined timing before the predetermined receipt period, the IC card 10 and At least one user of the IC card 20 may be notified. Thereby, it is possible to notify the user 110 or 120 that electronic money has not been received for a certain period of time.

The third information output unit 243 reduces the balance of the first electronic money by a predetermined amount when the IC card 10 can communicate with the ticket gate 30 for settlement of commercial transactions with electronic money. After that, when the second information is not output until a predetermined receiving period elapses, the third information for increasing the balance of the first electronic money by a predetermined amount is output. As a result, electronic money that has not been received for a certain period of time can be returned to the IC card 10 .

In this embodiment, the ticket gate 30a is a terminal for paying transportation fares with electronic money. When communication with the ticket gate 30a becomes possible, the first information output unit 241 outputs the first information on the condition that the balance of the first electronic money is equal to or greater than the sum of the fare and the predetermined amount. can be output. As a result, it is possible to reduce the possibility that the payment of the railroad fare will be hindered by performing the process of awarding electronic money from the IC card 10 .

The ticket gate 30b is a terminal for paying transportation fares with electronic money. The ticket gate 30b is a terminal provided at an entrance place of transportation facilities. For example, the ticket gate 30b records an entry record used for payment in the IC card 10b.

The receiving unit 210 further receives electronic money transfer conditions specified by the user 110 of the IC card 10 . The transfer condition may include a condition regarding at least one of the second electronic money balance and the frequency of electronic money transfer. At least one of the first information and the second information may be output on the condition that the transfer condition is satisfied. The setting of the giving/receiving conditions will be specifically described with reference to FIG.

FIG. 3 schematically shows an operation screen for transmitting the electronic money ID of the IC card 20 to the user terminal 22. As shown in FIG. The user terminal 22 displays the screen 300 under the control of the electronic money management application software. A screen 300 is displayed when an operation for setting electronic money receipt information is performed.

The screen 300 includes a selector 310 , an image display frame 320 , an input frame 330 , a selector 340 and an enter button 390 .

The selector 310 is an object for selecting or registering a remittance destination IC card. Selector 310 displays a list including registered IC card list items and list items for registering new cards.

When a list item for registering a new IC card is selected in the selector 310, an image display frame 320 for capturing an image of the IC card 20 is displayed. The user terminal 22 displays an image of the IC card 20 captured using the camera function in the image display frame 320 . The user terminal 22 extracts the electronic money ID from the image of the IC card 20 by image recognition, and inputs the character string of the extracted electronic money ID into the input frame 330 . The information entered in input box 330 can be manually modified by user 120 .

The selector 340 is an object for selecting a remittance source user. Selector 340 displays a list containing list items of users registered with the electronic money management application software. Selector 340 may display a list containing list items of users registered in the address book of user terminal 22 .

The confirm button 390 is a button for transmitting a remittance request to the user terminal 12 . When the confirmation button 390 is selected, the user terminal 22 transmits a remittance request message including the character string of the electronic money ID entered in the input box 330 to the user selected by the selector 340 .

The remittance request message may be sent as a message of electronic money management application software. In this case, the user terminal 22 transmits a remittance request message to the data server defined by the electronic money application software. The user terminal 22 may send the remittance request message by e-mail or short message. The user terminal 22 may transmit the remittance request message to the data server defined by the SNS application software.

FIG. 4 schematically shows an operation screen for registering information for remittance of electronic money to the IC card 20. As shown in FIG. The user terminal 12 displays the screen 400 under the control of the electronic money management application software. A screen 400 is displayed when a remittance request message is received from the user terminal 22 . The user terminal 22 stores the electronic money ID included in the remittance request message in association with the user 120 .

The screen 400 includes a selector 410 , an image display frame 420 , an input frame 430 , an input frame 440 and an enter button 490 .

The selector 410 is an object for selecting or registering a remittance source IC card. Selector 410 displays a list including list items for IC cards already registered in the electronic money management application and list items for registering new cards.

When a list item for registering a new IC card is selected in the selector 410, an image display frame 420 for capturing an image of the IC card 10 is displayed. The user terminal 12 displays an image of the IC card captured using the camera function in the image display frame 420 . The user terminal 12 extracts the electronic money ID from the image of the IC card by image recognition, and automatically inputs the character string of the extracted electronic money ID into the input frame 430 . The information entered in input box 430 can be manually modified by user 110 .

The input frame 440 is an object for inputting the amount of electronic money to be remitted.

The confirmation button 490 is a button for registering electronic money transfer information in the server 40 . When the confirm button 490 is selected, the user terminal 12 transmits to the server 40 a transaction information registration message including the character string of the electronic money ID entered in the input frame 430 and the remittance amount entered in the input frame 440. .

FIG. 5 shows an example of transfer information stored in the storage unit 48 of the server 40 in a table format. The transfer information associates the remittance source ID, the remittance destination ID, the remittance amount, the reception date and time, the receipt due date, the withdrawal execution date and time, and the receipt execution date and time with each other.

The “remittance source ID” field stores the electronic money ID of the IC card 10 that is the remittance source of the electronic money. The "remittance destination ID" stores the electronic money ID of the IC card 20 to which the electronic money is remitted.

The amount of electronic money transferred from the IC card 10 to the IC card 20 is stored in the "transfer amount". That is, the amount of electronic money that the IC card 20 receives from the IC card 10 is stored in the "remittance amount".

Information indicating the date and time when the server 40 received the transfer information registration message is stored in the "received date and time". The “receipt deadline date” stores the deadline date for receipt by the IC card 20 . The "receipt deadline date" may store the date after a predetermined number of days from the date when the server 40 received the transfer information registration message.

In the "withdrawal execution date and time", the date and time when the amount of "remittance amount" was withdrawn from the IC card 10 through the ticket gate 30 is stored. In addition, when the electronic money of the amount of "remittance amount" has not been withdrawn from the electronic money balance of the IC card 10, a NULL value is stored in the "withdrawal date and time".

The "receipt date and time" stores the date and time when the IC card 20 received electronic money in the amount of the "remittance amount" through the ticket gate 30b. If the IC card 20 has not received electronic money in the amount of the "remittance amount", a NULL value is stored in the "receipt date and time".

Note that the processing unit 200 of the server 40 periodically refers to the transfer information, and determines that the current date and time is later than the predetermined date between the receipt deadline date and the reception date and time, and the receipt execution date and time is NULL. search for transfer information. When such transfer information is retrieved, the third notification unit 233 may transmit a non-receipt notification indicating that the electronic money has not been received to the user 120 to whom the electronic money is to be remitted. Further, the third notification unit 233 may transmit a non-receipt notification to the user 110 to whom the electronic money is to be remitted.

Further, when the user 110 uses the IC card 10 to enter the railway station through the ticket gate 30, the processing unit 200 of the server 40 determines that the current date and time is included in the transfer information associated with the electronic money ID of the IC card 10. If there is transfer information that is later than the receipt deadline date and the receipt execution date and time is NULL, the third information output unit 243 outputs the third information that increases the electronic money balance in the IC card 10 by the remittance amount. output to the machine 30. As a result, the electronic money that has not been received by the deadline for receipt can be returned to the IC card 10.例文帳に追加

FIG. 6 shows an example of a processing sequence performed between the ticket gate 30a and the server 40. As shown in FIG. FIG. 6 shows a processing sequence starting from the timing when the reader/writer unit of the ticket gate 30a detects the IC card 10 approaching the reader/writer unit.

In S600, the ticket gate 30a starts communication with the IC card 10 by short-range wireless communication. In S602, the ticket gate 30a reads out the electronic money ID and balance of the IC card 10 from the IC card 10 by short-range wireless communication. In S604, the electronic money ID read out, the electronic money balance, the fare to be deducted from the IC card 10, and the payment related information including the operation mode of the ticket gate 30a are transmitted to the server 40. FIG. The operation modes include an "exit gate mode" indicating that the ticket gate 30a is functioning as an exit gate from the railway station, and an "entrance gate mode" indicating that it is functioning as an entrance gate to the railway station. ” is included.

In S606, when the payment information receiving unit 220 of the server 40 receives the payment-related information, the processing unit 200 generates first information including the balance and usage history information based on the payment-related information and electronic money transfer information. do. The balance indicates the balance of electronic money in the IC card 10 after passing through the ticket gate 30a. The usage history information includes information indicating changes in the electronic money balance of the IC card 10 . The processing of S606 will be described with reference to FIG.

In S608, the first information output unit 241 transmits the first information generated by the processing unit 200 to the ticket gate 30a. In S<b>610 , the ticket gate 30 a writes the balance and usage history information received from the server 40 to the IC card 10 . When the ticket gate 30a successfully writes the balance and usage history information to the IC card 10, it transmits write success information indicating that the writing was successful to the server 40 (S612). Communication is disconnected (S614).

In S616, when the payment information receiving unit 220 receives the writing success information transmitted from the ticket gate 30a in S612, the first notification unit 231 transmits an electronic money reception request message to the user 120. The first notification unit 231 may transmit an electronic money receipt request message to the user 120 through the data server of the electronic money management application software or e-mail. The user who is the destination of the electronic money receipt request message is specified from the user information associated with the electronic money ID stored in the remittance destination ID of the transfer information data shown in FIG.

FIG. 7 shows an example of a processing sequence performed between the ticket gate 30b and the server 40. As shown in FIG. FIG. 6 shows a processing sequence starting from the timing when the reader/writer unit of the ticket gate 30b detects the IC card 20 approaching the reader/writer unit.

In S700, the ticket gate 30b starts communication with the IC card 20 by short-range wireless communication. In S702, the ticket gate 30b reads the electronic money ID and balance of the IC card 20 from the IC card 20 by short-range wireless communication. In S704, the electronic money ID read out, the electronic money balance, the fare to be deducted from the IC card 20, and the payment-related information including the operation mode of the ticket gate 30b are transmitted to the server 40. FIG. If the ticket gate 30b functions as an entrance gate of a railway station and the fare is not withdrawn by electronic money, the fare may be transmitted to the server 40 as 0.

In S706, when the payment information receiving unit 220 of the server 40 receives the payment related information, the processing unit 200 generates second information including the balance and usage history information based on the payment related information and electronic money transfer information. do. The balance indicates the balance of electronic money in the IC card 20 after passing through the ticket gate 30b. The usage history information includes information indicating changes in the electronic money balance of the IC card 20 . The processing of S706 will be described with reference to FIG.

In S708, the second information output unit 242 transmits the second information generated by the processing unit 200 to the ticket gate 30b. At S<b>710 , the ticket gate 30 b writes the balance and usage history information received from the server 40 to the IC card 20 . When the ticket gate 30b successfully writes the balance and usage history information to the IC card 20, it transmits write success information indicating that the writing was successful to the server 40 (S712). Communication is disconnected (S714).

In S716, when the payment information receiving unit 220 receives the write success information transmitted from the ticket gate 30b in S712, the second notification unit 232 sends a reception completion report message to the user 110 indicating that the electronic money has been received. Send to The second notification unit 232 may transmit the receipt completion report message to the user 110 through the data server of the electronic money management application software or e-mail. The user who is the destination of the receipt completion report message is specified from the user information associated with the electronic money ID stored in the remittance source ID of the transfer information data shown in FIG.

FIG. 8 shows an example of a flowchart showing processing when the server 40 receives payment-related information. This flowchart can be applied to the processing of S606 in FIG. 6 and S706 in FIG.

In S802, the processing unit 200 determines whether or not the electronic money balance is equal to or greater than the fare. If the electronic money balance is less than the fare, the processing unit 200 performs auto-charge processing based on the electronic money ID (S804), and proceeds to S806. It should be noted that a predetermined amount of electronic money is charged to the IC card by bank settlement or credit card settlement through the automatic charging process of S804. If the electronic money balance is equal to or greater than the fare in S802, the process proceeds to S806.

At S806, the processing unit 200 refers to the electronic money transfer information shown in FIG. to decide. If transfer information related to the electronic money ID is registered, in S808, the combination of the transfer type of electronic money and the operation mode of the ticket gate 30 included in the payment related information is determined.

Note that the type of electronic money transfer is either "gift" or "receipt". For example, in the transfer information shown in FIG. 5, if there is transfer information with a remitter ID that matches the electronic money ID included in the payment-related information received from the ticket gate 30, the electronic money transfer type is determined to be "presentation". be done. On the other hand, in the transfer information shown in FIG. 5, if there is transfer information with a remittee ID that matches the electronic money ID included in the payment-related information received from the ticket gate 30, the electronic money transfer type is determined to be "receipt". be done.

If it is determined in S808 that the transaction type is "awarded" and the operation mode of the ticket gate 30 is "exit gate mode", then in S810, the processing unit 200 determines that the electronic money balance is equal to or greater than the sum of the fare and the remittance amount. determine whether there is If the electronic money balance is equal to or greater than the sum of the fare and the remittance amount, in S812, the processing unit 200 subtracts the sum of the fare and the remittance amount from the electronic money balance to obtain a new value after passing through the ticket gate 30. Calculate electronic money balance.

Subsequently, in S814, the processing unit 200 sets the current date and time to the "withdrawal execution date and time" of the transfer information. Subsequently, in S816, the processing unit 200 generates first information including the calculated new electronic money balance and usage history information. Also, the first information output unit 241 transmits the generated first information to the ticket gate 30 . When the process of S816 is completed, the process of this flowchart is terminated.

If it is determined in S810 that the balance of electronic money is less than the sum of the fare and the remittance amount, the processing unit 200 subtracts the fare from the balance of electronic money in S830 to obtain a new balance after passing through the ticket gate 30. The electronic money balance is calculated and the process proceeds to S816. In this case, in S816, the processing unit 200 generates information including the electronic money balance after passing through the ticket gate 30 and usage history information. Information output unit 240 transmits the generated information to ticket gate 30 .

In the determination at S808, if the transfer type is "receipt", at S820, the processing unit 200 subtracts the fare from the sum of the electronic money balance and the remittance amount, thereby obtaining a new electronic money after passing through the ticket gate 30. Calculate money balance. Subsequently, in S822, the processing unit 200 sets the current date and time to the "receipt execution date and time" of the transfer information. Subsequently, proceeding to S816, the processing unit 200 generates second information including the calculated new electronic money balance and usage history information. The second information output unit 242 transmits the generated second information to the ticket gate 30 .

If it is determined in S808 that the type of transfer is "presentation" and the operation mode of the ticket gate 30 is "entrance gate mode", the process proceeds to S830. As a result, the remittance amount is not withdrawn when entering the transportation facility, and the remittance amount is withdrawn when exiting the transportation facility. As a result, it is possible to reduce the possibility that payment of transportation fares will be hindered. If it is determined in S806 that electronic money transfer information related to the received electronic money ID is not registered, the process proceeds to S830.

FIG. 9 schematically shows an operation screen for setting electronic money transfer conditions as a modification of system 100 . The user terminal 12 displays the screen 900 under the control of the electronic money management application software. A screen 900 is displayed on the user terminal 12 after the confirmation button 490 shown in FIG. 4 is operated. The screen 900 includes an input frame 910 , an input frame 920 and an enter button 990 .

An input frame 910 is an object for inputting a threshold value of the balance of electronic money in the IC card 20 as a condition for withdrawing electronic money from the IC card 10 . When the amount is set in the input frame 910 and the confirmation button 990 is operated, the threshold value of the electronic money balance of the IC card 20 is further registered in the transfer information shown in FIG. When the processing unit 200 receives payment-related information from the ticket gate 30a and the electronic money balance in the IC card 20 is equal to or greater than the registered threshold value, the processing unit 200 does not perform withdrawal processing from the IC card 10.例文帳に追加Specifically, the processing of S812 and S814 in the flowchart of FIG. 8 is not performed, and the processing of S816 in the flowchart of FIG. 8 is performed. Similarly, when the processing unit 200 receives payment-related information from the ticket gate 30b and the electronic money balance of the IC card 20 is equal to or greater than the registered threshold value, the processing unit 200 adds the electronic money balance of the IC card 20. You don't have to. Specifically, the processing of S816 in the flowchart of FIG. 8 may be performed without performing the processing of S820 and S82 in the flowchart of FIG.

An input frame 920 is an object for inputting the withdrawal frequency as a condition for performing processing for withdrawing electronic money from the IC card 10 . For example, in the input box 920, an upper limit value for the number of withdrawal processing that can be performed per month is input. When the number of times is set in the input frame 920 and the confirmation button 990 is pressed, the threshold input in the input frame 920 is further registered in the transfer information shown in FIG. In addition, the storage unit 48 further stores the number of times withdrawal processing has been performed in the same month as the current month in association with the identification information of the IC card 10 . Then, when the processing unit 200 receives payment-related information from the ticket gate 30a, if the number of withdrawal processing performed on the IC card 10 in the same month as the current month has reached the upper limit, the IC card 10 Do not withdraw from Specifically, the processing of S812 and S814 in the flowchart of FIG. 8 is not performed, and the processing of S816 in the flowchart of FIG. 8 is performed. Similarly, when the processing unit 200 receives payment-related information from the ticket gate 30b, if the number of withdrawals processed in the same month as the current month has reached the upper limit, the electronic money in the IC card 20 It is not necessary to add the balance. Specifically, the processing of S816 in the flowchart of FIG. 8 may be performed without performing the processing of S820 and S82 in the flowchart of FIG.

As shown in FIG. 9, by setting a limited condition for giving/receiving electronic money, the amount of electronic money remaining in the IC card 20 becomes large, or electronic money is given/received many times due to fraudulent use. Possibility can be reduced.

According to the system 100 and the modified example of the system 100 described above, it is possible to easily transfer electronic money between individuals such as the user 110 and the user 120 without performing complicated procedures. In addition, a person who does not have a bank account or a credit card, or who cannot use virtual currency can be a remittance source user, and a remittee user.

As described above, the IC card 10 and the IC card 20 are examples of devices having an electronic money function. When the user terminal 12 or the user terminal 22 has an electronic money function, the user terminal 12 or the user terminal 22 can be applied as a device having an electronic money function. In this case, the list items of the selector 310 in FIG. 3 and the selector 410 in FIG. 4 can include the user terminal 12 and the user terminal 22 themselves as a device used for exchanging electronic money.

The ticket gate 30 described above is an example of a settlement terminal for settlement of transportation fares. Transportation means are not limited to those using railroads. Various transportation equipment such as automobiles such as buses, airplanes, and ships can be used as transportation means used in transportation. Also, as described above, the ticket gate 30 is an example of a settlement terminal. The payment terminal may be an electronic money reader/writer terminal provided in a convenience store or a store for paying for purchases of products with electronic money. An automatic vending machine or an automatic ticket vending machine that has a function of charging electronic money or paying with electronic money can also serve as a settlement terminal for settlement of commercial transactions. Devices such as automatic teller machines (ATMs) and automatic teller machines (CDs) that have functions of charging electronic money or paying with electronic money can also serve as settlement terminals for settlement of commercial transactions.

Also, electronic money to be exchanged is not limited to the same type of electronic money. By allocating a uniquely identifiable electronic money ID across different types of electronic money systems, it is possible to exchange electronic money between different types of electronic money.

In addition, according to the system 100 and the modified example of the system 100 described above, for an institution that provides an electronic money payment infrastructure including the server 40 or a payment service using the payment infrastructure, the payment infrastructure or the payment service is There is an advantage that the providing institution will be able to carry out a substantial person-to-person remittance business. In addition, there is an advantage that users can be attracted to institutions and shops where electronic money settlement can be performed by the settlement service. These merits are particularly great for operators of transportation facilities such as railways and convenience stores.

Also, the balance of electronic money does not have to be stored in the device on the user side. For example, the system 100 can also be applied to an electronic money system in which the balance of electronic money or the like is specified by a QR code (registered trademark) displayed on the user terminal 12 or the user terminal 22 .

Note that each unit of the server 40 may be implemented by hardware, software, or both hardware and software. At least part of each part of the server 40 may be realized by a single server or may be realized by a plurality of servers. At least part of each part of the server 40 may be implemented on a virtual machine or a cloud system. At least part of each part of the server 40 may be realized by a personal computer or a mobile terminal. Examples of mobile terminals include mobile phones, smart phones, PDAs, tablets, notebook computers or laptop computers, wearable computers, and the like. The management server 40 may store information using a distributed ledger technology such as blockchain or a distributed network.

When at least part of the components that make up the server 40 are implemented by software, the components implemented by the software are software that defines the operations of the components in an information processing device with a general configuration. It may be implemented by activating software or a program. The information processing apparatus having the above general configuration includes (i) a data processing apparatus having a processor such as a CPU and GPU, a ROM, a RAM, a communication interface, and the like; and (ii) a keyboard, pointing device, touch panel, camera, voice input Input devices such as devices, gesture input devices, various sensors, and GPS receivers, (iii) output devices such as display devices, audio output devices, and vibration devices, and (iv) storage devices such as memories, HDDs, and SSDs (external including a storage device).

In the information processing apparatus having the general configuration described above, the data processing apparatus or storage device may store the software or program described above. The software or program is executed by the processor to cause the information processing device to perform operations defined by the software or program. The above software or program may be stored in a non-transitory computer-readable recording medium. The software or program described above may be a program for causing a computer to function as each part of the server 40 or a part thereof. The software or program described above may be a program for causing a computer to execute information processing in the server 40 or part thereof.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It is obvious to those skilled in the art that various modifications or improvements can be made to the above embodiments. It is clear from the description of the scope of the claims that forms with such modifications or improvements can also be included in the technical scope of the present invention.

The execution order of each process such as actions, procedures, steps, and stages in the devices, systems, programs, and methods shown in the claims, the specification, and the drawings is etc., and it should be noted that they can be implemented in any order unless the output of the previous process is used in the subsequent process. Regarding the operation flow in the claims, the specification, and the drawings, even if the description is made using "first," "next," etc. for convenience, it means that it is essential to carry out in this order. not a thing

10 IC card 12 User terminal 20 IC card 22 User terminal 30 Ticket gate 40 Server 42 Processing device 48 Storage unit 90 Network 100 System 110, 120 User 12, 22 User terminal 200 Processing unit 210 Receiving unit 220 Payment information receiving unit 230 Notification unit 231 First notification unit 232 Second notification unit 233 Third notification unit 240 Information output unit 241 First information output unit 242 Second information output unit 243 Third information output unit 300, 400, 900 Screens 310, 410 Selectors 330, 430 , 440, 910, 920 Input frames 320, 420 Image display frames 390, 490, 990 Enter button

Claims (11)

A system for exchanging electronic money between a first device having an electronic money function and a second device having an electronic money function,
a receiving unit that receives identification information of the first device and identification information of the second device that receives electronic money from the first device;
When the first device becomes capable of communicating with a first settlement terminal for settlement of commercial transactions using electronic money, the balance of the first electronic money associated with the first device is the balance of the commercial transactions. a first information output unit for outputting first information for decreasing the balance of the first electronic money by the predetermined amount on condition that the total amount of the settlement amount and the predetermined amount is greater than or equal to the sum of the settlement amount and the predetermined amount; ,
When the second device becomes capable of communicating with a second settlement terminal for settlement of commercial transactions using electronic money, the balance of the second electronic money associated with the second device is determined in advance. a second information output unit for outputting second information to be increased by the determined amount. A system for exchanging electronic money between a first device having an electronic money function and a second device having an electronic money function,
a receiving unit that receives identification information of the first device and identification information of the second device that receives electronic money from the first device;
When the first device becomes capable of communicating with a first settlement terminal for settlement of commercial transactions using electronic money, the balance of the first electronic money associated with the first device is determined in advance. a first information output unit that outputs first information to decrease by the amount;
When the second device becomes capable of communicating with a second settlement terminal for settlement of commercial transactions using electronic money, the balance of the second electronic money associated with the second device is determined in advance. a second information output unit for outputting second information to be increased by the determined amount;
with
The first settlement terminal is a terminal used when settlement is made for a commercial transaction performed by the user of the first device,
The first information is information for decreasing the balance of the first electronic money by the total amount of the settlement amount of the commercial transaction and the predetermined amount.
system. A system for exchanging electronic money between a first device having an electronic money function and a second device having an electronic money function,
a receiving unit that receives identification information of the first device and identification information of the second device that receives electronic money from the first device;
When the first device becomes capable of communicating with a first settlement terminal for paying transportation fares with electronic money, the balance of the first electronic money associated with the first device is a first information output unit for outputting first information for decreasing the balance of the first electronic money by the predetermined amount on condition that the total amount of the fare and the predetermined amount is greater than or equal to the total amount of the fare and the predetermined amount; ,
When the second device becomes capable of communicating with a second settlement terminal for settlement of commercial transactions using electronic money, the balance of the second electronic money associated with the second device is determined in advance. a second information output unit for outputting second information to be increased by the determined amount;
A system with The receiving unit further receives information indicating an award amount of electronic money specified by the user of the first device,
said predetermined amount is said awarded amount
4. A system according to any one of claims 1-3. The system according to any one of claims 1 to 4 , further comprising a first notification unit that notifies a user of the second device when the first information is output. The system according to any one of claims 1 to 5 , further comprising a second notification unit that notifies a user of the first device when the second information is output. After outputting the first information, if the second information is not output by a predetermined timing before the predetermined receiving period, the first device and the second 7. The system according to any one of claims 1 to 6 , further comprising a third notifier for notifying at least one user of the device. after the first electronic money balance is reduced by the predetermined amount when the first device becomes capable of communicating with a third settlement terminal for settlement of commercial transactions using electronic money, outputting third information for increasing the balance of the first electronic money by the predetermined amount when the second information is not output until a predetermined receiving period elapses The system according to any one of claims 1 to 7 , further comprising a third information output section. 9. The second payment terminal according to any one of claims 1 to 8, wherein said second payment terminal is a terminal for making payment of transportation fares with electronic money, and is a terminal provided at an entrance place or an exit place of said transportation means. The system according to item 1. The receiving unit further receives electronic money transfer conditions specified by the user of the first device,
the transfer condition includes a condition related to at least one of the second electronic money balance and the frequency of transfer of the electronic money;
10. The system according to any one of claims 1 to 9, wherein at least one of said first information and said second information is output on the condition that said transfer condition is satisfied. A program for causing a computer to function as the system according to any one of claims 1 to 10.

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