JP7395880B2 - Management server and programs - Google Patents

Description

The present invention relates to a management server and a program.

In recent years, the use of electronic money has become widespread. Based on the cash payment from the user, the electronic money business charges electronic money equivalent to the cash into the user's electronic money medium. Users can use the electronic money charged to the electronic money medium to pay for transportation, shopping, etc.

As a method for charging electronic money, a method has also been proposed in which electronic money is charged to an electronic money medium based on deposits in a bank account. For example, in Patent Document 1, an electronic medium identifier and an account are associated in advance, and when a user holds the electronic medium over an automatic transaction device, the automatic transaction device reads the electronic medium identifier from the electronic medium, and A technique is disclosed for charging electronic money to an electronic medium based on funds in an account associated with the .

JP2009-289249A

It is also conceivable to use such electronic money media for withdrawals at ATMs. That is, in an ATM, a cash cardless transaction can be realized in which cash is withdrawn from an account corresponding to identification information read from an electronic money medium.

However, from a certain point of view, it is easier to forge a medium that stores information indicating electronic value, such as an electronic money medium, than to forge a cash card. For this reason, there are concerns that the damage will increase due to fraudulent use in which a malicious third party repeatedly makes withdrawals using forged media.

Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a new and improved management server and program that can improve the security against unauthorized use of media. Our goal is to provide the following.

In order to solve the above problems, according to one aspect of the present invention, there is provided a correspondence table in which account information of a bank account and identification information of a medium storing information indicating electronic value are associated with each other; a storage unit that stores an issuance history that is a history of electronic value being issued to the medium based on deposits, and a storage unit that stores an issuance history that is a history of electronic value being issued to the medium based on deposits; a receiving unit that receives the identification information; a history inquiry unit that refers to the correspondence table, specifies the bank account corresponding to the identification information received by the receiving unit, and inquires the issuance history of the specified bank account; a determination unit that determines whether or not the issuance history queried by the history inquiry unit satisfies predetermined conditions including that the number of times the electronic value has been issued and/or the total amount is equal to or greater than a threshold ; A management server is provided, comprising: a transmitting unit that transmits account information of the bank account specified by the history inquiry unit when the determination unit determines that the predetermined condition is satisfied.

The transmitting unit may transmit a response indicating that the automatic transaction device cannot execute the transaction when the determining unit determines that the predetermined condition is not satisfied.

The transaction in the automatic transaction device may be a withdrawal transaction.

In order to solve the above problems, according to another aspect of the present invention, a computer is associated with a correspondence table in which account information of a bank account and identification information of a medium storing information indicating electronic value are associated with each other. , and a storage unit that stores an issuance history that is a history of electronic value being issued to the medium based on deposits in the bank account, and identification information of the medium in the automatic transaction device for executing transactions in the automatic transaction device. refers to a receiving unit that receives the identification information when the identification information is read, and the correspondence table, identifies a bank account corresponding to the identification information received by the receiving unit, and inquires about the issuance history of the identified bank account. and a history inquiry unit that determines whether the issuance history queried by the history inquiry unit satisfies predetermined conditions including that the number of times the electronic value has been issued and/or the total amount is greater than or equal to a threshold. and a transmitting unit that transmits account information of the bank account specified by the history inquiry unit when the determination unit determines that the predetermined condition is satisfied. program will be provided.

According to the present invention described above, it is possible to improve the security against unauthorized use of a medium.

FIG. 1 is an explanatory diagram showing the configuration of an information processing system according to an embodiment of the present invention. 1 is an explanatory diagram showing the configuration of a user terminal 10. FIG. 2 is an explanatory diagram showing the configuration of a charge management server 20. FIG. FIG. 3 is an explanatory diagram showing a specific example of a correspondence table. It is an explanatory diagram showing a concrete example of charge history. FIG. 2 is an explanatory diagram showing the configuration of an electronic money company server 30. FIG. It is an explanatory diagram showing the composition of ATM40. 2 is an explanatory diagram showing the configuration of an ATM management server 50. FIG. 2 is an explanatory diagram showing the configuration of an accounting system server 60. FIG. It is an explanatory diagram showing operation of electronic money initialization. FIG. 2 is an explanatory diagram showing an operation for charging electronic money based on deposits in a bank account. It is an explanatory diagram showing operation of withdrawal transaction using non-contact IC150. It is an explanatory diagram showing operation of withdrawal transaction using non-contact IC150. 2 is a block diagram showing the hardware configuration of a charge management server 20. FIG.

Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. Note that, in this specification and the drawings, components having substantially the same functional configurations are designated by the same reference numerals and redundant explanation will be omitted.

Further, in this specification and the drawings, a plurality of components having substantially the same functional configuration may be distinguished by using different alphabets after the same reference numeral. However, if there is no particular need to distinguish each of the plurality of components having substantially the same functional configuration, only the same reference numerals are given to each of the plurality of components.

<0. Overview of information processing system>
FIG. 1 is an explanatory diagram showing the configuration of an information processing system according to an embodiment of the present invention. As shown in FIG. 1, the information processing system according to an embodiment of the present invention includes a user terminal 10, a charge management server 20, an electronic money operator server 30, an ATM 40, an ATM management server 50, and an account management server 50. system server 60.

The user terminal 10, the charge management server 20, and the electronic money company server 30 are connected via the network 8A. Network 8A may be the Internet. Further, the charge management server 20, ATM 40, ATM management server 50, and accounting server 60 are connected via a network 8B. Network 8B may be a bank's internal network.

The user terminal 10 is an information processing device used by a user. The user terminal 10 is equipped with a non-contact IC (Integrated Circuit), which is an example of a medium that stores information indicating electronic value. The user can charge electronic money to the contactless IC and use the charged electronic money for various payments. In particular, in one embodiment of the present invention, electronic money is charged to a contactless IC based on a deposit in a bank account that is associated with the contactless IC in advance, and electronic money is charged to a bank account using the contactless IC at the ATM 40. It is possible to withdraw cash from your deposit.

Note that electronic money is an example of electronic value issued based on deposits in a bank account. The electronic value issued based on bank account deposits may be electronic points. In this specification, charging (issuing) of electronic money will be mainly explained, but one embodiment of the present invention is similarly applicable to issuing electronic points based on deposits in a bank account.

The charge management server 20 is a management server that manages charging of electronic money to the non-contact IC of the user terminal 10. The charge management server 20 associates and stores the user serial number issued to the contactless IC with the user's bank account, and when there is a request for charge, the charge management server 20 associates the user serial number issued to the contactless IC with the user's bank account, and when a charge is requested, the charge management server 20 associates the user serial number issued to the contactless IC with the user's bank account. It operates so that electronic money is charged to the non-contact IC of the requester based on the deposit in the bank account. In this operation, the charge management server 20, for example, requests the account system server 60 to transfer funds from the user's bank account to the electronic money operator's account, and requests the electronic money operator server 30 to issue electronic money. do.

The electronic money business server 30 is a server managed by the electronic money business. The electronic money business server 30 issues electronic money to charge the contactless IC of the user terminal 10 based on a request from the charge management server 20, and distributes the electronic money to the contactless IC of the user terminal 10. do.

An ATM (Automatic Teller Machine) 40 is an automatic teller machine that automatically performs various transactions such as cash deposit transactions and cash withdrawal transactions. When a cash card is inserted, the ATM 40 can proceed with the transaction based on information read from the cash card. Furthermore, when the ATM 40 according to an embodiment of the present invention is held over the user terminal 10, it is also possible to perform withdrawal transactions based on the user serial number read from the non-contact IC installed in the user terminal 10. be.

The ATM management server 50 is a server that bundles a plurality of ATMs 40, and relays various information and notifications between the ATMs 40 and the accounting server 60. For example, the ATM management server 50 transmits the PIN number and designated amount entered into the ATM 40 in a withdrawal transaction to the banking server 60, and upon receiving a withdrawal processing completion notification from the banking server 60, the ATM management server 50 performs the withdrawal processing. A notification of completion is sent to the ATM 40.

The accounting system server 60 is a device that processes a deposit account ledger, controls exchange, connection with the ATM 40, and the like. In one embodiment of the present invention, when a user serial number is read from a contactless IC at the ATM 40, the banking system server 60 processes a withdrawal based on the deposit in the bank account associated with the user serial number. I do.

(Organizing issues)
However, from one perspective, contactless ICs can be more easily counterfeited than cash cards through acts such as skimming or phishing. For this reason, there are concerns that the damage caused to the original users will increase due to fraudulent activity in which a third party repeatedly makes withdrawals using counterfeit contactless ICs.

The inventor of the present invention has created an embodiment of the present invention by focusing on the above-mentioned circumstances. According to an embodiment of the present invention, it is possible to improve the security against unauthorized use of a medium such as a non-contact IC. The configuration and operation of this embodiment of the present invention will be described in detail below.

<1. User terminal configuration>
FIG. 2 is an explanatory diagram showing the configuration of the user terminal 10 according to an embodiment of the present invention. As shown in FIG. 2, the user terminal 10 according to an embodiment of the present invention includes a communication section 120, a display section 130, an operation section 140, a non-contact IC 150, and a control section 170.

(Communication Department)
The communication unit 120 communicates various information with other devices. For example, the communication unit 120 communicates information for processing to associate the contactless IC 150 with the user's bank account (hereinafter also referred to as electronic money initialization) with the charge management server 20. Furthermore, the communication unit 120 receives electronic money distributed from the contactless IC 150.

(Display)
The display unit 130 displays a display screen generated by the control unit 170. For example, the display unit 130 displays an input screen for initializing electronic money, a notification screen indicating completion of electronic money charging, and the like.

(Operation unit)
The operation unit 140 is configured for a user to input information, instructions, etc. to the user terminal 10 through operations. For example, the user enters bank authentication information such as the branch number of the user's bank account, account, account number, password, and date of birth on the input screen for initial electronic money settings.

(Non-contact IC)
The contactless IC 150 is an electronic device having a secure memory, an authentication function for performing authentication required when reading and writing information in the secure memory, and a contactless communication function for close proximity communication with a so-called reader/writer. It is a money medium (information recording medium). As shown in FIG. 2, the secure memory stores, for example, a user serial number, which is an example of identification information issued to the contactless IC 150, and the value of electronic money charged to the contactless IC 150.

(control unit)
The control unit 170 controls the overall operation of the user terminal 10. For example, the control unit 170 has a function of controlling communication between the communication unit 120 and the charge management server 20, a function of generating various display screens displayed on the display unit 130, and the like.

<2. Charge management server configuration>
Next, the configuration of the charge management server 20 will be explained. FIG. 3 is an explanatory diagram showing the configuration of the charge management server 20. As shown in FIG. 3, the charge management server 20 includes a communication section 220, a storage section 250, and a control section 270.

(Communication Department)
The communication unit 220 communicates various information with other devices. For example, the communication unit 220 functions as a charge reception unit that receives an electronic money charge request from the user terminal 10. Furthermore, when the user serial number of the contactless IC 150 of the user terminal 10 is read for a withdrawal transaction at the ATM 40, the communication unit 220 receives a usage approval request including the user serial number from the ATM management server 50. functions as a receiving section. The usage approval request is a request for approval to use the non-contact IC 150 for a withdrawal transaction in which cash is withdrawn from the user's bank account at the ATM 40. The communication unit 220 also functions as a transmitting unit that transmits a response to a usage approval request.

(Storage part)
The storage unit 250 stores information used for the operation of the charge management server 20. For example, the storage unit 250 stores a correspondence table and charge history, as shown in FIG. The correspondence table is a table in which the user serial number issued to each non-contact IC 150 and the account information of the user's bank account are associated with each other. The charging history is a history of electronic money being issued based on deposits in a bank account (issuance history). The correspondence table and charging history will be described below with reference to FIGS. 4 and 5.

FIG. 4 is an explanatory diagram showing a specific example of the correspondence table. As shown in FIG. 4, the correspondence table includes the user serial number, bank account branch number, account, and account information. The correspondence table is registered by an account registration unit 271 of the control unit 270, which will be described later.

FIG. 5 is an explanatory diagram showing a specific example of charging history. As shown in FIG. 5, the charging history includes account information such as store number, item, and account information, charging date and time, and charging amount. In the example shown in Figure 5, from a bank account where the store number is "002", the subject is "normal", and the account number is "0123456", 10,000 yen was transferred on June 15, 2019, and 10,000 yen was transferred on July 2019. 20,000 yen was charged on the 10th.

(control unit)
The control unit 270 controls the overall operation of the charge management server 20. As shown in FIG. 3, the control unit 270 includes an account registration unit 271, a funds transfer request unit 272, an electronic money issue request unit 273, an electronic money issue notification unit 274, a charge history inquiry unit 275, and a withdrawal permission determination unit 276. It has the following functions.

In the initial setting of electronic money, the account registration unit 271 transmits the bank authentication information received from the user terminal 10 to the banking server 60, and based on the notification of successful authentication from the banking server 60, the user serial number of the contactless IC 150 is sent. and bank account information are associated with each other and registered in the correspondence table of the storage unit 250.

When an electronic money charging request is received from the user terminal 10, the funds transfer requesting unit 272 sends funds equivalent to the charging amount to the accounting system server 60 from the user's bank account to the electronic money provider's bank account. Request to move to. Specifically, the electronic money charge request includes the charge amount and the user serial number of the contactless IC 150, and the funds transfer request unit 272 refers to the correspondence table and inputs the bank account branch number, which corresponds to the user serial number, Identify account and account numbers. Then, the funds transfer request unit 272 transmits a funds transfer request including the store number, item, and account number of the specified bank account and the charge amount to the accounting system server 60.

The electronic money issuance request unit 273 requests the electronic money business server 30 to issue electronic money. Specifically, after the funds are transferred in the accounting system server 60 based on the funds transfer request, the electronic money issuance request unit 273 transfers the charge amount and user serial number included in the electronic money charge request to the electronic money. It is sent to the electronic money business server 30 as an issuance request.

The electronic money issuance notification unit 274 notifies the user terminal 10 of the completion of fund transfer and electronic money issuance. Further, the electronic money issue notification unit 274 adds the account information of the bank account from which funds are transferred, the charging date and time, the charging amount, etc. to the charging history in the storage unit 250.

The charge history inquiry unit (history inquiry unit) 275 refers to the correspondence table explained with reference to FIG. Identify the bank account corresponding to the user serial number included in the request. Furthermore, the charge history inquiry unit 275 inquires about the charge history described with reference to FIG. 5 as the transaction history of the specified bank account.

A withdrawal permission determination unit (determination unit) 276 determines whether the charge history inquired by the charge history inquiry unit 275 satisfies predetermined withdrawal conditions. Withdrawal conditions include that the number of times and/or the total amount of electronic money charged is equal to or greater than a threshold. For example, the withdrawal conditions may include that the number of times that electronic money has been charged within a predetermined period such as the past month is equal to or greater than a threshold number of times, or that the number of times that electronic money has been charged within a predetermined period such as the past one year is It may also include that the total amount of electronic money collected is equal to or greater than a threshold amount.

If the withdrawal permission determination unit 276 determines that the withdrawal conditions are met, it approves the usage approval request and transmits the account information of the bank account specified by the charge history inquiry unit 275 to the ATM management server 50 via the communication unit 220. Send via. On the other hand, if the withdrawal permission determination unit 276 determines that the withdrawal conditions are not satisfied, it does not approve the usage approval request and responds with a response indicating that the withdrawal transaction using the contactless IC 150 at the ATM 40 is not possible. is sent to the ATM management server 50.

<3. Configuration of electronic money operator server>
Next, the configuration of the electronic money business server 30 will be explained. FIG. 6 is an explanatory diagram showing the configuration of the electronic money business server 30. As shown in FIG. 6, the electronic money business server 30 includes a communication section 320, a storage section 350, and a control section 370.

(Communication Department)
The communication unit 320 communicates various information with other devices. For example, the communication unit 320 receives an electronic money issuance request from the charge management server 20 and transmits an issuance completion notification indicating completion of electronic money issuance to the charge management server 20.

(Storage part)
The storage unit 350 stores a value balance DB indicating the value balance of electronic money charged to each non-contact IC 150.

(control unit)
The control unit 370 controls the overall operation of the electronic money company server 30. The control unit 370 has the functions of a user serial number issuing unit 371 and a value management unit 372, as shown in FIG.

The user serial number issuing unit 371 issues a user serial number of electronic money at the time of initial setting of electronic money. Specifically, when a user serial number issuance request is received from the user terminal 10 during electronic money initial settings, the user serial number issuing unit 371 issues a user serial number to the non-contact IC 150 of the user terminal 10. Issue a serial number.

The value management unit 372 issues electronic money and manages the value balance DB stored in the storage unit 350. For example, when the value management unit 372 receives an issuance request for electronic money including a charge amount and a user serial number from the charge management server 20, the value management unit 372 sends electronic money corresponding to the charge amount to the non-contact IC 150 having the user serial number. is issued, and the value balance of the non-contact IC 150 having the user serial number is updated in the value balance DB.

<4. ATM configuration>
Next, the configuration of the ATM 40 will be explained. FIG. 7 is an explanatory diagram showing the configuration of the ATM 40. As shown in FIG. 7, the ATM 40 includes a communication section 420, a display section 430, an operation section 440, a user serial number reading section 450, a withdrawal section 460, and a control section 470.

(Communication Department)
The communication unit 420 communicates various information with the ATM management server 50. For example, in the case of a withdrawal transaction using the contactless IC 150, the communication unit 420 sends a withdrawal request that includes the user serial number of the contactless IC 150 read by the user serial number reading unit 450, and a specified amount input to the operation unit 440. and a password, etc., to the ATM management server 50. The communication unit 420 also receives a withdrawal processing completion notification from the ATM management server 50 indicating that the withdrawal processing in the accounting system server 60 has been completed.

(Display)
The display unit 430 displays various display screens generated by the control unit 470. For example, the display unit 430 displays a menu screen for selecting a transaction, an information input screen for inputting a designated amount, a password, etc. in a withdrawal transaction, and the like.

(Operation unit)
The operation unit 440 is configured for a user to input information, instructions, etc. to the ATM 40 through operations. By operating the operation unit 440, the user can input, for example, a designated amount and a personal identification number in a withdrawal transaction.

(User serial number reading section)
The user serial number reading unit 450 has a contactless communication function. When the user terminal 10 is held over the user serial number reading section 450, the user serial number reading section 450 reads the user serial number of electronic money from the non-contact IC 150 of the user terminal 10 through contactless communication.

(Withdrawal Department)
The withdrawal unit 460 is configured to withdraw cash in a withdrawal transaction. The cash dispensing unit 460 includes, for example, a cash storage unit that stores cash, a customer service unit from which users take out cash, a conveyance unit that transports cash from the cash storage unit to the customer service unit, and the like.

(control unit)
The control unit 470 controls the overall operation of the ATM 40. For example, the control unit 470 controls communication between the communication unit 420 and the ATM management server 50, screen display by the display unit 430, and cash withdrawal by the withdrawal unit 460.

<5. ATM management server configuration>
Next, the configuration of the ATM management server 50 will be explained. FIG. 8 is an explanatory diagram showing the configuration of the ATM management server 50. As shown in FIG. 8, the ATM management server 50 includes a communication section 520 and a control section 570.

(Communication Department)
The communication unit 520 communicates various information with other devices. For example, during a withdrawal transaction using the contactless IC 150, the communication unit 520 receives a withdrawal request including a user serial number from the ATM 40, and transmits a usage approval request including the user serial number to the charge management server 20. Furthermore, when making a withdrawal transaction using the contactless IC 150, the communication unit 520 receives a specified amount, a PIN number, etc. from the ATM 40, and sends the account information of the user's bank account along with the specified amount and PIN number to the accounting server 60. Send to.

(control unit)
The control unit 570 controls the overall operation of the ATM management server 50. As shown in FIG. 8, the control unit 570 has the functions of a usage approval requesting unit 571, an information input requesting unit 572, a processing requesting unit 573, and a processing end notification unit 574.

When a withdrawal request including a user serial number is received from the ATM 40 during a withdrawal transaction using the contactless IC 150, the usage approval request unit 571 sends a usage approval request including the user serial number to the charge management server 20 to the communication unit. 520. Note that, as described above, the use approval request is a request for approval to use the non-contact IC 150 for a withdrawal transaction in which cash is withdrawn from the user's bank account at the ATM 40. When the charge management server 20 approves the usage approval request, the usage approval request unit 571 receives from the charge management server 20 the account information of the bank account corresponding to the user serial number included in the usage approval request. On the other hand, if the charge management server 20 does not approve the usage approval request, the usage approval request unit 571 sends a response to the charge management server 20 indicating that the withdrawal transaction using the contactless IC 150 at the ATM 40 is not possible. Receive from.

When the usage approval request is approved by the charge management server 20, the information input requesting unit 572 requests the ATM 40 to input a designated amount for withdrawal, a password, etc.

The processing requesting unit 573 sends a withdrawal processing request to the accounting system server 60, which includes the designated amount and PIN entered into the ATM 40, and the account information of the bank account received from the charge management server 20 as a response to the usage approval request. Send.

When receiving a withdrawal processing end notification indicating the end of the withdrawal process from the accounting system server 60, the processing end notification unit 574 transmits the withdrawal process end notification to the ATM 40 via the communication unit 520.

<6. Accounting server configuration>
Next, the configuration of the accounting server 60 will be explained. FIG. 9 is an explanatory diagram showing the configuration of the accounting system server 60. As shown in FIG. 9, the accounting server 60 includes a communication section 620 and a control section 670.

(Communication Department)
The communication unit 620 communicates various information with the charge management server 20 and the ATM management server 50. For example, the communication unit 620 receives bank authentication information for initial setting of electronic money from the charge management server 20 and transmits the authentication result to the charge management server 20. The communication unit 620 also receives a withdrawal processing request from the ATM management server 50 and transmits a withdrawal processing completion notification to the ATM management server 50.

(control unit)
The control unit 670 controls the overall operation of the accounting server 60. As shown in FIG. 9, the control section 670 has the functions of an accounting processing section 671 and a processing end notification section 672.

The accounting processing unit 671 processes the deposit account ledger for each transaction. For example, based on a funds transfer request from the charge management server 20, the accounting system processing unit 671 transfers funds equivalent to the charge amount indicated in the funds transfer request from the bank account indicated in the funds transfer request to the electronic money provider. Move to bank account. Further, based on the withdrawal request from 50, the accounting system processing unit 671 performs withdrawal processing by withdrawing the specified amount of funds indicated in the withdrawal request from the bank account indicated in the withdrawal request.

The processing end notification unit 672 transmits a processing end notification indicating that the processing by the accounting system processing unit 671 has ended. For example, the processing completion notification unit 672 transmits a withdrawal processing completion notification to the ATM management server 50 when the accounting system processing unit 671 finishes the withdrawal processing.

<7. Operation＞
Each configuration of the information processing system according to an embodiment of the present invention has been described above. Next, the operation of the information processing system according to an embodiment of the present invention will be summarized with reference to FIGS. 10 to 13. Specifically, with reference to FIG. 10, we will organize the operations for initial setting of electronic money, with reference to FIG. 11 we will organize the operations for charging electronic money, and with reference to FIGS. The operation of withdrawal transactions using IC150 will be organized.

(electronic money initial setting)
FIG. 10 is an explanatory diagram showing the operation of electronic money initial setting. First, the user terminal 10 starts an application for using electronic money (S702), and the communication unit 120 of the user terminal 10 transmits a request for issuance of an electronic money user serial number to the electronic money operator server 30. (S703). When the user serial number issuing unit 371 of the electronic money business server 30 receives the user serial number issuance request, it issues the electronic money user serial number to the contactless IC 150 of the user terminal 10 (S704). .

When the communication unit 120 of the user terminal 10 receives the electronic money user serial number from the electronic money company server 30, the user serial number is set in the non-contact IC 150 (S705). Next, the display unit 130 of the user terminal 10 displays the bank authentication information input screen, and when the user operates the operation unit 140 to input the bank authentication information (S706), the communication unit 120 displays the bank authentication information and The user serial number of the non-contact IC 150 is transmitted to the charge management server 20 (S707). Furthermore, when the communication unit 220 of the charge management server 20 transmits bank authentication information to the banking server 60, and authentication using the bank authentication information is successful in the accounting server 60, and the communication unit 220 receives an authentication success notification ( S708), the account registration unit 271 associates the user serial number of the contactless IC 150 with the account information of the bank account and registers it in the correspondence table of the storage unit 250 (S709), and the electronic money initial setting ends (S710).

(Electronic money charging)
FIG. 11 is an explanatory diagram showing an operation for charging electronic money based on deposits in a bank account. First, the user terminal 10 launches an application for using electronic money (S802), the user operates the operation unit 140 to input the charge amount, and the communication unit 120 inputs the charge amount and user serial number. A charge request for electronic money including the charge is sent to the charge management server 20 (S803).

Then, the funds transfer request unit 272 of the charge management server 20 refers to the correspondence table, specifies the store number, item, and account number of the bank account that corresponds to the user serial number indicated in the charge request, and stores the store number of the specified bank account. , sends a funds transfer request including the item, account number, and charge amount to the accounting system server 60 (S804). Based on the funds transfer request, the account system processing unit 671 of the account system server 60 transfers funds equivalent to the charge amount indicated in the funds transfer request from the bank account indicated in the funds transfer request to the bank account of the electronic money provider. The communication unit 620 sends a fund transfer end notification indicating the end of the fund transfer to the charge management server 20 (S805).

When the electronic money issue request unit 273 of the charge management server 20 receives the funds transfer completion notification from the accounting system server 60, the electronic money issue request unit 273 electronically sends the charge amount and user serial number included in the electronic money charge request as an electronic money issuance request. It is transmitted to the money business server 30 (S806). Then, when electronic money is issued by the user serial number issuing unit 371 of the electronic money business server 30 (S807), the electronic money issuing notification unit 274 transmits a notification of completion of electronic money issuance to the user terminal 10. At the same time, the account information of the bank account from which funds are transferred, the charging date and time, the charging amount, etc. are added to the charging history in the storage unit 250 (S808).

After that, the user terminal 10 requests the electronic money business server 30 to receive the electronic money (S809), and the electronic money business server 30 distributes the issued electronic money to the user terminal 10 (S810). , charging of electronic money is completed (S811).

(Withdrawal transaction using contactless IC150 at ATM40)
12 and 13 are explanatory diagrams showing the operation of a withdrawal transaction using the contactless IC 150. First, when the user holds the user terminal 10 over the user serial number reading unit 450 of the ATM 40 (S902), the user serial number reading unit 450 reads the user serial number from the non-contact IC 150 of the user terminal 10, and the user A withdrawal request including the serial number is transmitted to the ATM management server 50 (S903). When the usage approval request unit 571 of the ATM management server 50 receives a withdrawal request including the user serial number from the ATM 40, it transmits a usage approval request including the user serial number to the charge management server 20 via the communication unit 520. (S904).

The charge history inquiry unit 275 of the charge management server 20 refers to the correspondence table and identifies the bank account corresponding to the user serial number included in the user approval request received from the ATM management server 50 (S905). Furthermore, the charge history inquiry unit 275 inquires about the charge history regarding the specified bank account (S906).

Then, the withdrawal permission determination unit 276 determines whether the charge history inquired by the charge history inquiry unit 275 satisfies predetermined withdrawal conditions (S907). Withdrawal conditions include that the number of times and/or the total amount of electronic money charged is equal to or greater than a threshold. For example, the withdrawal conditions may include that the number of times that electronic money has been charged within a predetermined period such as the past month is equal to or greater than a threshold number of times, or that the number of times that electronic money has been charged within a predetermined period such as the past one year is It may also include that the total amount of electronic money collected is equal to or greater than a threshold amount.

If the withdrawal permission determination unit 276 determines that the withdrawal conditions are met, it approves the usage approval request and transmits the account information of the bank account specified by the charge history inquiry unit 275 to the ATM management server 50 via the communication unit 220. Send via. On the other hand, if the withdrawal permission determination unit 276 determines that the withdrawal conditions are not satisfied, it does not approve the usage approval request and responds with a response indicating that the withdrawal transaction using the contactless IC 150 at the ATM 40 is not possible. is sent to the ATM management server 50. Here, the explanation will proceed assuming that the withdrawal permission determination unit 276 has approved the usage approval request.

The information input requesting unit 572 of the ATM management server 50 requests the ATM 40 to input the designated amount for withdrawal, the password, etc., based on the fact that the usage approval request has been approved by the charge management server 20 (S908). Then, when the user operates the operation unit 440 of the ATM 40 and inputs the designated amount and password, the communication unit 220 transmits the input designated amount and password to the ATM management server 50 (S909).

Thereafter, as shown in FIG. 13, the processing request unit 573 of the ATM management server 50 receives the specified amount and PIN number received from the ATM 40, and the bank account information received from the charge management server 20 as a response to the usage approval request. A withdrawal processing request including account information is transmitted to the accounting system server 60 (S910).

Then, the account system processing unit 671 of the account system server 60 performs the withdrawal process based on the withdrawal process request from the ATM management server 50 (S911), and the process completion notification unit 672 notifies the ATM management server 50 of the withdrawal process completion notification. (S912). Furthermore, the processing end notification unit 574 of the ATM management server 50 sends a withdrawal processing end notification to the ATM 40 (S913), and the ATM 40 withdraws the specified amount, thereby completing the withdrawal transaction using the contactless IC 150. (S914).

<8. Effect>
As explained above, according to an embodiment of the present invention, the history of charging from a bank account to the contactless IC 150 satisfies withdrawal conditions including that the number of times and/or total amount of electronic money charging is equal to or greater than a threshold value. In this case, it is possible to perform a withdrawal transaction using the contactless IC 150. Therefore, even if a third party forges the contactless IC 150, if the number of times and/or total amount of electronic money charged to the contactless IC 150 is less than the threshold, withdrawal transactions using the counterfeit medium will not be possible. Therefore, unauthorized use by third parties can be suppressed. Furthermore, even if the number of times and/or total amount of electronic money charged from a bank account to the contactless IC 150 is greater than the threshold and a withdrawal transaction is executed by a third party, the bank account will be transferred to the contactless IC 150 by the original user. Since the account is actively used, it is hoped that the original user will be able to notice the unauthorized use at an early stage, thereby preventing the damage from spreading further. Further, since one embodiment of the present invention is realized mainly by improving the charge management server 20, it can be introduced more easily than a mode that involves system modification of the electronic money business server 30.

<9. Hardware configuration>
Each embodiment of the present invention has been described above. Information processing such as the above-mentioned charge history inquiry and withdrawal determination is realized by cooperation between software and the hardware of the charge management server 20 described below.

FIG. 14 is a block diagram showing the hardware configuration of the charge management server 20. The charge management server 20 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, and a host bus 204. The charge management server 20 also includes a bridge 205, an external bus 206, an interface 207, an input device 208, a display device 209, an audio output device 210, a storage device (HDD) 211, a drive 212, and a network. and an interface 215.

The CPU 201 functions as an arithmetic processing device and a control device, and controls overall operations within the charge management server 20 according to various programs. Further, the CPU 201 may be a microprocessor. The ROM 202 stores programs used by the CPU 201, calculation parameters, and the like. The RAM 203 temporarily stores programs used in the execution of the CPU 201 and parameters that change as appropriate during the execution. These are interconnected by a host bus 204 composed of a CPU bus and the like. Through the cooperation of these CPU 201, ROM 202, RAM 203, and software, each function of the control unit 270 described with reference to FIG. 3 can be realized.

The host bus 204 is connected via a bridge 205 to an external bus 206 such as a PCI (Peripheral Component Interconnect/Interface) bus. Note that the host bus 204, bridge 205, and external bus 206 do not necessarily need to be configured separately, and these functions may be implemented in one bus.

The input device 208 includes input means for the user to input information, such as a mouse, keyboard, touch panel, button, microphone, sensor, switch, and lever, and an input device that generates an input signal based on the user's input and outputs it to the CPU 201. It consists of control circuits, etc. By operating the input device 208, the user of the charge management server 20 can input various data to the charge management server 20 and instruct processing operations.

The display device 209 includes display devices such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, a projector device, an OLED (Organic Light Emitting Diode) device, and a lamp. Furthermore, the audio output device 210 includes an audio output device such as a speaker and headphones.

The storage device 211 is a data storage device configured as an example of a storage unit of the charge management server 20 according to the present embodiment. The storage device 211 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deletion device that deletes data recorded on the storage medium, and the like. The storage device 211 is configured with, for example, an HDD (Hard Disk Drive), an SSD (Solid Storage Drive), or a memory having an equivalent function. This storage device 211 drives storage and stores programs executed by the CPU 201 and various data.

The drive 212 is a reader/writer for storage media, and is built into the charge management server 20 or attached externally. The drive 212 reads information recorded on an attached removable storage medium 24 such as a magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 203 or the storage device 211 . Drive 212 can also write information to removable storage medium 24 .

The network interface 215 is, for example, a communication interface configured with communication devices and the like for connecting to the network 8A and the network 8B. Further, the network interface 215 may be a wireless LAN (Local Area Network) compatible communication device or a wire communication device that performs wired communication.

Note that the hardware configuration described above can also be applied to the user terminal 10, the electronic money operator server 30, the ATM management server 50, etc. The functions of the control unit 170, the control unit 370, the control unit 570, and the like can be realized by cooperation between the installed hardware such as the CPU and RAM, and software.

<10. Supplement>
Although preferred embodiments of the present invention have been described above in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is clear that a person with ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea stated in the claims. It is understood that these also naturally fall within the technical scope of the present invention.

For example, although the embodiment of the present invention is applied to a withdrawal transaction using the user terminal 10 equipped with a contactless IC 150, the embodiment of the present invention is applicable to a prepaid transaction not equipped with a contactless IC. It is also applicable to withdrawal transactions using cards. The electronic money value of a prepaid card that is not equipped with a contactless IC may be managed only by the electronic money business system, but the point that the prepaid card also has unique identification information is that the value of the electronic money of a prepaid card that is not equipped with a contactless IC 150 is This is the same as the terminal 10. For this reason, it is necessary to associate the unique identification information of a bank account and a prepaid card, to store the history of charging electronic money from a bank account to a prepaid card, and to determine whether withdrawals can be made at ATM 40 using a prepaid card based on the history. It is also possible to determine this in the same manner as in the embodiment of the present invention described above.

In addition, if the charge management server 20 determines in S907 described with reference to FIG. The bank account information may be transmitted to the ATM management server 50 when a response indicating that withdrawal is possible is obtained from the user terminal 10. According to this configuration, it is possible to more reliably suppress fraudulent withdrawals by third parties.

Furthermore, in the above example, the user terminal 10 is equipped with the non-contact IC 150 and communicates with the charge management server 20, but the non-contact IC 150 has a communication function with the charge management server 20. It may also be mounted on a card-like medium. In this case, the user inputs, for example, the user serial number of the non-contact IC 150 into the information processing terminal, and the information processing terminal communicates with the charge management server 20, etc., so that the initial settings of electronic money and the charging of electronic money can be performed. May be done.

Further, each step in the processing of the information processing system of this specification does not necessarily need to be processed in chronological order in the order described as a flowchart. For example, each step in the processing of the information processing system may be processed in a different order from the order described in the flowchart, or may be processed in parallel.

In addition, hardware such as a CPU, ROM, and RAM built into the user terminal 10, the charge management server 20, the electronic money operator server 30, the ATM 40, the ATM management server 50, and the accounting system server 60 may include the above-mentioned user terminal. 10. A computer program can also be created to perform functions equivalent to those of the charge management server 20, electronic money business server 30, ATM 40, ATM management server 50, and accounting system server 60. A storage medium storing the computer program is also provided.

10 User terminal 120 Communication section 130 Display section 140 Operation section 170 Control section 20 Charge management server 220 Communication section 250 Storage section 270 Control section 271 Account registration section 272 Fund transfer request section 273 Electronic money issuance request section 274 Electronic money issuance notification section 275 Charge history inquiry unit 276 Withdrawal availability determination unit 30 Electronic money operator server 320 Communication unit 350 Storage unit 370 Control unit 371 User serial number issuing unit 372 Value management unit 40 ATM
420 Communication section 430 Display section 440 Operation section 450 User serial number reading section 460 Withdrawal section 470 Control section 50 ATM management server 520 Communication section 570 Control section 571 Usage approval request section 572 Information input request section 573 Process request section 574 Process end notification Unit 60 Accounting system server 620 Communication unit 670 Control unit 671 Accounting system processing unit 672 Processing end notification unit

Claims (4)

A correspondence table in which bank account information and identification information of a medium storing information indicating electronic value are associated with each other, and issuance that is a history of electronic value being issued to the medium based on deposits in the bank account. a storage unit that stores history;
a receiving unit that receives identification information of a medium when the automatic transaction device reads the identification information of the medium in order to execute a transaction in the automatic transaction device;
a history inquiry unit that refers to the correspondence table, identifies a bank account corresponding to the identification information received by the reception unit, and queries the issuance history of the identified bank account;
a determination unit that determines whether the issuance history queried by the history inquiry unit satisfies predetermined conditions including that the number of times the electronic value has been issued and/or the total amount is equal to or greater than a threshold ;
a transmitting unit that transmits account information of the bank account specified by the history inquiry unit when the determination unit determines that the predetermined condition is satisfied;
A management server equipped with. The management according to claim 1 , wherein the transmitting unit transmits a response indicating that the automatic transaction device cannot execute the transaction when the determining unit determines that the predetermined condition is not satisfied. server. The management server according to claim 1 or 2 , wherein the transaction in the automatic transaction device is a withdrawal transaction. computer,
A correspondence table in which bank account information and identification information of a medium storing information indicating electronic value are associated with each other, and issuance that is a history of electronic value being issued to the medium based on deposits in the bank account. a storage unit that stores history;
a receiving unit that receives identification information of a medium when the automatic transaction device reads the identification information of the medium in order to execute a transaction in the automatic transaction device;
a history inquiry unit that refers to the correspondence table, identifies a bank account corresponding to the identification information received by the reception unit, and queries the issuance history of the identified bank account;
a determination unit that determines whether the issuance history queried by the history inquiry unit satisfies predetermined conditions including that the number of times the electronic value has been issued and/or the total amount is equal to or greater than a threshold ;
a transmitting unit that transmits account information of the bank account specified by the history inquiry unit when the determination unit determines that the predetermined condition is satisfied;
A program to function as

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