JPH10232967A - Electronic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make distinct the responsibility demarcation point of an electronic transaction using a customer money card and a bank money card and to guarantee monetary value which is not physically present. SOLUTION: Customer information is read out of the customer money card 1 and information of the customer money card 1 is updated with inputted transaction information and stored on an escrow card 3. Then the read information from the customer money card 1 which is stored on the escrow card 3 and the transaction information are shown (reported) to the customer, who confirms them (input signal). Then the transaction information stored on the escrow card 3 is read out and sent to the bank money card 2. The bank money card 2 having received the transaction information updates electronic money balance information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a withdrawal transaction in which a currency is deposited in a financial institution such as a bank, and a monetary value corresponding to the currency is charged to an IC card as electronic money.
The present invention relates to an electronic transaction system for performing a deposit transaction in which electronic money is transferred using a card.

[0002]

2. Description of the Related Art In a conventional currency cash transaction,
They used to carry money and settle for the purchase of goods, etc., and also performed transfer transactions and deposit / withdrawal transactions using automatic teller machines installed at financial institutions and the like. However, in recent years, currency has been deposited with financial institutions and the like, and the monetary value corresponding to the currency has been stored in an IC card as electronic funds (hereinafter referred to as electronic money), and transactions have been made with the electronic money at the time of payment. Was.

[0003] A technique disclosed in Japanese Patent Publication No. 7-104891 exists for this type of payment with electronic money. This is to subtract the settlement amount from the balance of funds recorded on the customer's IC card and transfer the settlement amount directly to the retail store's IC card. The latest balance of funds is always recorded on the retail store's IC card. In some cases, it is not necessary to bring a transaction record to a financial institution to convert the cash into cash, thereby reducing the cost of handling cash such as cash and change accounts at retail stores and financial institutions, and eliminating the paperwork associated therewith.

[0004] If funds are insufficient in such a payment system using electronic money, it is necessary for the customer to fill the customer's IC card with funds, and the customer goes to a business office of a financial institution and deposits from his / her own deposit account. A part or all of the amount was transferred (withdrawn) as electronic money, or connected to the host computer of a financial institution that manages its own savings account using a public line from the customer terminal and inserted into the customer terminal. The funds are being charged to customer IC cards.

[0005]

In the conventional currency settlement, payment and deposit have been completed when the currency is handed over. In a deposit transaction at an automatic teller machine installed at a financial institution, etc., the currency entered at the automatic teller machine is counted, the total amount is reported to the customer, and the customer is paid when the customer executes a confirmation operation. After that, the entered currency is managed and operated as a deposit at the financial institution.

In the withdrawal transaction, when a desired withdrawal amount is operated and input, the currency corresponding to the amount is withdrawn from a storage unit in the automatic teller machine, counted, transported to a predetermined cash receiving slot, and the customer sets the currency of the withdrawal currency. The withdrawal was completed when the door or the like that enabled the withdrawal was opened. Thereafter, the withdrawal was treated as a currency managed by the customer, and this was a demarcation point for handling cash.

[0007] In the transaction settlement by electronic money, since the monetary value information in the IC card for customers and the IC card for retail stores is digitized, the point of receiving and receiving the electronic money should be considered as payment or deposit. However, when electronic money is lost due to damage to a terminal for electronic transactions or a system error, there is a settlement risk that the monetary value is lost. Due to such security problems, the monetary value that can be stored in the IC card is set at a low value, and the above-described risks are not suitable for high-value transactions. Furthermore, the demarcation point of responsibility for erasure of monetary value was unclear, which hindered the expansion of users.

[0008]

SUMMARY OF THE INVENTION In order to solve the above problems, the present invention provides a portable electronic device capable of storing a monetary value as fund information and updating the stored fund information.
The portable electronic device is provided with two types owned by the payer of the monetary value and the receiver of the monetary value, and the portable electronic device owned by the receiver has an account processing function owned by the receiver. A portable electronic device built in or connected to a computer or a terminal device, and further, a portable electronic device owned by the payee can be used for payment in an electronic transaction system that enables a transfer transaction of monetary value with a portable electronic device owned by the payer. In a transaction to transfer fund information from a portable electronic device owned by the payer to a portable electronic device owned by the recipient, it is built in or connected to a computer or terminal device and is built in the portable electronic device owned by the payer When transferring part or all of the transferred fund information to the portable electronic device owned by the payer, temporarily suspending the transferred fund information until the process of transferring the fund information is completed normally. Providing a Kado. At the time of the transaction, the fund information stored in the escrow card is read out by a computer or a terminal device, and the fund information is notified to the payer, so that it can be confirmed that the fund transfer has been normally performed.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a first embodiment of the present invention will be described. FIG. 1 is an explanatory view showing the concept of electronic transaction using an IC card according to the present invention, FIG. 2 is a control block diagram of an automatic transaction apparatus according to the present invention, and FIG. 3 is an internal conceptual diagram of a card processing unit. In the figure, reference numeral 4 denotes an automatic transaction device (hereinafter referred to as ATM) which is installed and managed by an automated corner of a financial institution's business office or the like at a convenience store, a gas station, or the like. It is connected to a host computer 6 which is a host device.

Reference numeral 7 denotes a storage device which is connected to and managed by the host computer 6, and stores a deposit ledger file 7a. The storage contents of the deposit ledger file 7a include the address, name, age,
Occupation, account number, personal identification number, deposit and savings balance information, etc.
Each time a deposit / withdrawal transaction is carried out, a monetary account process is performed by the host computer 6, an update of the deposit / saving balance information for each customer is instructed, and the latest information is stored and stored in the storage device 7.

Reference numeral 15 denotes a function for reading and writing information stored in a portable electronic device (hereinafter, referred to as a customer money card) 1 owned by a payer of monetary value (hereinafter, referred to as a customer). Card processing unit having
Reference numeral 5a denotes a card insertion / return port provided on the front side of the apparatus, into which the customer money card 1 is inserted or returned.

Reference numeral 15b denotes a card transport path through which the customer money card 1 is transported. The customer money card 1 is pinched by a roller or the like (not shown) and rotated to rotate the arrow R or F.
It is configured to be conveyable in the direction.

Reference numeral 15c denotes a detector for detecting a card to be inserted, which is provided on the card transport path 15b and comprises, for example, a light emitting element and a light receiving element. Is interrupted to detect the presence of a card. Reference numeral 15d denotes a magnetic reading unit capable of reading magnetic recording information, and 15e denotes an emboss reader provided at a predetermined position of the customer money card 1 and capable of optically reading convex characters and the like. 15f is an IC capable of reading and writing information by being physically and electrically connected to a terminal of an IC chip provided on the customer money card 1.
It is a card reader / writer.

Reference numeral 15g denotes an elongated hole provided in a part of the card transport path 15b, which is connected to an issuing port of a statement processing unit 16 for issuing a transaction statement 17 as shown in the figure. The magnetic reading unit 15d, the emboss reader 15e, and the IC card reader / writer 15f are provided on the card transport path 15b.
It is held by a support member (not shown) and has a predetermined drive control circuit and the like, but is omitted.

Reference numeral 16 denotes the above-mentioned statement processing section, which prints the contents of the transaction and performs the processing of issuing a transaction statement 17 issued to the customer, and is also positioned as an output device. The issuing port is a card insertion / return port. The transaction statement 17 is conveyed and joined in the direction of the arrow X shown in FIG. 3 by being connected by the elongated hole 15g provided in the card conveyance path 15b near 15a. The statement processing unit 16 has a printing unit and the like, but the description is omitted.

Reference numeral 18 denotes a customer service unit as an input operation unit.
This is a touch panel for displaying a customer guidance screen for the customer to enter a transaction, and for inputting an operation. The customer guidance screen displays transaction items such as "fund filling" and "account deposit".
Is displayed, and a transaction is selected by lightly touching (pressing) the displayed location. Reference numeral 19 denotes a voice guidance unit for performing operation guidance by voice, which is composed of a speaker 19a and a microphone 19b disposed in front of the apparatus, and is treated as a notification unit. Reference numeral 20 denotes a guidance display unit for displaying a display of a tradeable subject or the like on a panel display 20a on the entire surface of the apparatus.

Reference numeral 21 denotes a first card reader / writer,
A predetermined control that can be physically and electrically connected to a portable electronic device (hereinafter, referred to as a bank money card) 2 owned by the recipient and having an IC (integrated circuit) chip described later and mounted in the ATM 4 The storage information can be transmitted and received by software.

Reference numeral 22 denotes a second card reader / writer,
Similar to the bank money card 2, a portable electronic device having an IC (integrated circuit) chip and mounted in the ATM 4 (hereinafter, referred to as a portable electronic device)
Escrow card. (Details will be described later.) 3 and can be physically and electrically connected and can transmit and receive stored information by predetermined control software.

Reference numeral 23 denotes a storage unit constituted by a ROM (Read Only Memory) or a RAM (Random Access Memory) in which a program for performing various controls of the ATM 4 is stored, and a floppy disk for storing a transaction history.
Reference numeral denotes an interface unit (IF unit) which is a connection port with the host computer 6 which is a host device.

Reference numeral 25 denotes an approach detector, which detects that a customer has approached the ATM 4 by using ultrasonic waves, and can determine the distance and position of the customer or the like to an object to be detected.
Reference numeral 26 denotes a main control unit for controlling the above-mentioned units, and further connected to a clock unit 27 for obtaining time information. Reference numeral 28 denotes a power supply unit that supplies power to the above units. Note that the clock unit 27 and some storage elements of the storage unit 23 are backed up by a battery (not shown), but the description is omitted.

Next, the customer money card 1, bank money card 2, and escrow card 3 will be described. The customer money card 1 is an electronic money card having an IC chip, has a size conforming to international standards and the like, and conforms to the physical characteristics and electric characteristics of the same standards, and furthermore, a communication protocol. It acts as a "wallet" for electronic money. The electronic monetary value is stored in the IC chip as electronic money balance information, and the electronic money balance information is rewritten (updated) by electronic transaction.
Can be obtained.

The bank money card 2 is also a customer money card 1.
Similar to the above, it is a size that conforms to international standards, etc., and conforms to the physical characteristics and electrical characteristics of the same standards, and furthermore to the communication protocol, and serves as a “safe” for electronic money stored in ATM 4 for use. Things. The IC chip stores the monetized monetary value as electronic money balance information, and the electronic money balance information can be rewritten (updated) by electronic transactions.

The Escrow card 3 has a role of temporarily entrusting transaction information when conducting a transaction between the customer money card 1 and the bank money card 2 by electronic money, so that the Escrow card 3 is temporarily stored until the deposit processing is completed. "Temporary hold" that holds (stores) transaction data having a monetary value
It plays the role of. Note that, as described above, the configuration has an IC chip similarly to the bank money card 2.

The above-described escrow card 3 will be described with reference to the schematic view of the escrow card of the present invention shown in FIG. 31
Is a magnetic stripe in which unique data such as a financial institution code, a business office number, and an identification number are magnetically recorded.
Is also recorded which indicates that it is an IC (integrated circuit) card. The card can be identified by reading the magnetic recording information by a simple magnetic information reader or the like without accessing the IC chip.

Reference numeral 32 denotes an emboss area, which is provided for embossing the code of the financial institution, the name of the business office, and the like as convex characters, like the magnetic stripe 31, and in FIG. "012" as a code,
“345” as the business office number and “A00” as the identification number
777] and the branch name is "Nihonbashi / Kita". In the case of the customer money card 1, these characters in the emboss area 32 are read by the emboss reader 15e.

Reference numeral 33 denotes an IC (integrated circuit) chip embedded at a predetermined position on the card base material, and the second card reader / writer 2 is connected to the terminal portion 3a exposed on the surface.
The transmission and reception of signals are carried out via 2. This IC chip 3
3 is a ROM (Read On) in which various processing programs including control software such as communication control and command processing are written.
ly Memory) 3b, a RAM (Random Memory) for temporarily storing a data buffer during communication, a control program, and transaction contents.
Access Memory) 3c. Further, EE which is a nonvolatile memory capable of electrically erasing and rewriting stored information
PROM (Electrically Erasable and Programmable R
OM) 3d is provided to store various transaction data. A microprocessor (hereinafter referred to as an MPU) 3e controls the reading and writing of each of these memories.
It also has an arithmetic function for adding and subtracting the electronic money balance amount and the transaction amount. 3f is a data bus.

In FIG. 4B, the terminal 3a, the ROM 3b,
Although the RAM 3c, the EEPROM 3d, the MPU 3e, and the data bus 3f are described in a plan view, they are integrated ICs.
The chip 33 is embedded in the card base material, and does not indicate that the chip 33 is formed in the magnetic stripe 31 or the embossed area 32. Although the escrow card 3 has been described in FIG. 4, the customer money card 1 and the bank money card 2 have the same structure.

FIG. 5 is a conceptual diagram showing a data storage area of the present invention, and an example of data stored in the escrow card 3 will be described. 34a is a card number for specifying the escrow card 3 and an AT in which the escrow card 3 is handled.
A handling device number for identifying M, and a security code used by an administrator when reading information stored in an IC card reader or the like (not shown) for analyzing the contents of a transaction in the event of an accident or the like. It is. The card number, the handling device number, and the password are stored in advance as "card identification information" in a predetermined procedure when the card is mounted.

Reference numeral 34b denotes an area for storing the transaction date and time counted by the clock unit 27 at the time of the first start-up of the apparatus after the card is mounted on the ATM 4, and when an initial operation is instructed by the main control unit 26. If this area is not stored, the timekeeping information is read and stored in a predetermined procedure. Reference numeral 34c denotes a storage area for temporarily storing bank electronic money balance information transferred from the bank money card 2 at the time of starting a transaction.

Reference numeral 35a is "customer information" such as a customer name from a financial institution code which is information on the customer. Further, it has a storage area for storing the electronic money balance information 35b in the customer money card 1 at the time of starting the transaction and the customer electronic money 35c received from the customer money card 1 until a payment process described later is completed.

Reference numeral 36a denotes electronic check information which is printed and used as a paper sheet and is digitized. The bank number, customer account number, payee name, and transaction amount information are the same as those of the paper check. This is a storage area where the same information is additionally stored, in which the customer digital signature is encrypted and stored.

Further, a spare area may be provided in case the storage area is destroyed for some reason.
Further, a plurality of storage areas may be provided, and the area used for each transaction may be changed as necessary, or transactions with a plurality of customer money cards 1 may be allowed at the same time.

With the above configuration, as shown in the conceptual diagram of FIG. 1, the customer money card 1 is updated based on the deposit amount, and the customer electronic money 35c is stored in the escrow card 3 as the deposit amount (arrow A). ). Next, the customer electronic money 35c stored in the escrow card 3 is transmitted to the bank money card 2, and the electronic money balance information of the bank money card 2 is updated (added) (arrow B).

<Payment Processing by Customer Money Card> FIGS. 6 and 7 show an electronic transaction as an account deposit transaction in which a customer transfers electronic money filled in a customer money card 1 to a savings account established at a financial institution. This will be described with reference to the flowchart of the electronic transaction shown in FIG.

When the customer approaches the ATM 4, the proximity detector 25
Detects the customer and switches the display of the customer service section 18 from the standby screen to the transaction guide screen. Here, when the customer presses “electronic transaction”, the display is switched to a customer guidance screen display (IC card transaction) as shown in FIG. 8 (S1), and then “insert IC card” flashes.

The customer money card 1 is inserted into the card insertion / return port 1
5A (S2), the detector 15c detects this, conveys it in the direction of arrow F along the card conveying path 15b, reads the magnetic stripe 31 by the magnetic reading unit 15d, and then reads it by the emboss reader 15e. The emboss area 32 is read, and the IC card reader / writer 15f
The reading of each information stored in the C chip 33 is started (S3).

When the customer information is normally read from the customer money card 1 and a session with the ATM 4 is established (S4), the customer information is subsequently connected to the host computer 6 via the communication line 5, and the transmitted customer information is transmitted. Starts the search for the account information in the deposit ledger file 7a (S
5).

In step 4, if the session cannot be established, the transaction is stopped because there is some problem in the data communication path (S6), the inserted customer money card 1 is returned, and the fact is displayed and the transaction is displayed. Is ended, but the description is omitted.

Customer money card 1 and escrow card 3
When the MPU 3e confirms that the customer (IC card) is a mutually tradeable customer (IC card) by a predetermined algorithm (S7), the host computer 6 causes the storage device 7 to operate.
ATM information from the deposit ledger file 7a in the ATM
Reply to 4.

According to the instruction of the main control unit 26 of the ATM 4, the customer name, account number and balance information are displayed on the customer service unit 18 as shown in FIG. 9, and the electronic money balance stored in the customer money card 1 is further displayed. An input operation screen for the deposit amount is displayed together with the information and the deposit transaction limit (S8).

After confirming the screen display, the customer inputs a necessary deposit amount (S9). The main control unit 26 of the ATM 4 subtracts the deposit transaction amount from the electronic money balance of the customer money card 1 and determines whether the subtraction result is equal to or greater than 0 (zero), that is, the deposit transaction desired amount is within the electronic money balance. It is determined whether there is (S10). The result is the amount 0 (zero)
If so, the storage unit 23 stores the received transaction amount as the transaction information, and instructs the inter-card transaction by the customer money card 1 and the escrow card 3.

When a movement start signal is received from the main control unit 26, customer information 35a and electronic money balance information 35b are stored in an escrow card (ES card in the figure) 3.
Is stored. Next, the main controller 26 sets the customer money card 1
When the customer money card 1 transmits the subtraction command and the deposit transaction amount information stored in the storage unit 23, the customer money card 1 updates the electronic money balance by subtracting the deposit transaction amount (S
11).

On the other hand, the main control unit 26 transmits the addition command and the deposit transaction amount information stored in the storage unit 23 to the escrow card 3. The escrow card 3 adds the deposit transaction amount information to the amount information in the storage area of the customer electronic money 35c, and adds the result of the addition to the customer electronic money 35c.
It is stored as c (S12). Since the customer electronic money 35c before the addition is 0 (zero), the payment transaction amount information is the same as the customer electronic money 35c.

The main controller 26 reads electronic money balance information updated from the customer money card 1 to a new balance.
Subsequently, the electronic money balance information 35b and the amount information of the customer electronic money 35c stored at the start of the transaction are read from the escrow card 3. Next, the amount information of the customer's electronic money 35c is added to the updated customer's electronic money balance and compared with the electronic money balance information 35b at the start of the transaction.

If they match (same amount), the main controller 26 subtracts the deposit transaction amount information from the amount information of the customer electronic money 35c in the escrow card 3. Here, since the customer electronic money 35c and the deposit transaction amount information are the same amount, the subtraction result is the amount 0 (zero).

By the comparison of the electronic money balance information and the calculation of the customer's electronic money, the payment transaction amount is confirmed on the device side. Next, the customer electronic money 35c stored in the escrow card 3 is read from the customer for confirmation of receipt (S13) and displayed on the customer service unit 18. This display also displays a transaction amount confirmation or cancellation and correction button, and requests selection input by the customer (S14).

If the deposit transaction amount is equal to or more than the electronic money balance in step S10, the maximum deposit limit is displayed blinking and the customer is requested to input a correction and confirm the operation. When the "confirm" button is pressed by the customer in step 14 and the confirmation operation information is output, the transfer of the fund information from the customer money card 1 is determined, and at the same time, the storage of the customer electronic money 35c in the escrow card 3 is also determined. The payment processing with the customer ends.

When the customer determines that the transaction amount is different from the display of the transaction amount, the "correction" button is pressed. In this case, a correction input screen is displayed, and step S
Return to 8. <Storing Process from Escrow Card> Next, a storing process of moving the customer electronic money 35c as the fund information stored in the escrow card 3 to the bank money card 2 will be described. When the information stored in the bank money card 2 is normally read and a session with the escrow card 3 is established (S15), the escrow card 3 transmits a deposit storage notification signal to the bank money card 2 (S16).
If a session cannot be established in step 15, the processing is performed as error processing (S17).

If the money transfer is possible, the bank money card 2 returns a deposit storage instruction signal (S18). Upon receipt of the deposit storage instruction signal, the MPU 3e of the bank money card 2 and the escrow card 3 perform mutual authentication by a predetermined algorithm to confirm that they are in a mutually tradeable state (S19).

After the mutual authentication is performed, when the main control unit 26 transmits the subtraction command and the deposit transaction amount information to the escrow card 3, the escrow card 3 updates the customer electronic money by subtracting the deposit transaction amount. here,
Since the deposit transaction amount and the customer electronic money 35c are the same amount, when subtracted, the amount becomes 0 (zero) (S20).

On the other hand, the main control unit 26 controls the bank money card 2
To send the addition command and the deposit transaction amount information. The bank money card 2 adds the deposit transaction amount information to the bank money balance information, updates the result as a bank electronic money balance (S21), and sends a reception completion signal to the main control unit 2.
Put out at 6.

The main controller 26 reads the updated bank electronic money balance information from the bank money card 2. Similarly, the amount information of the bank electronic money balance 34c stored at the start of the transaction is read from the escrow card 3 and stored in the storage unit 23. Next, the result of subtracting the transaction amount (customer electronic money amount) already stored in the storage unit 23 from the stored updated bank electronic money balance information, and the result of the transaction start time stored in the storage unit 23 Bank electronic money balance information 34
Compare with c.

If they match (same amount), the main control unit 26 adds to the electronic money balance information of the customer with the same customer account number in the deposit ledger file 7a searched in step 5 by the host computer 6, and adds Send instructions to update to the total price as information. The host computer 6 updates the deposit / saving balance information (S22).

Next, the statement processing section 16 is activated, and the transaction statement 17 includes the customer name and account number, the transaction amount, the updated electronic money balance information, and the emboss reading information stored in the storage section 23. It is printed by the printing means (S23) and transported to the vicinity of the elongated hole 15g (S2).
4).

The physical and electrical connection between the customer money card 1 and the IC card reader / writer 15f is cut off, the card is returned from the card insertion / return port 15a together with the transaction statement 17 (S25), and it is detected that the customer money has been removed. Table 15
c (S26), it means that the electronic money deposit transaction from the customer has been completed, and is recorded on the floppy disk provided in the storage unit 23 as transaction history information (S26).
27), the transaction is completed by disconnecting the line connection with the host computer 6 (S28).

Next, the case where the customer presses the "cancel" button in step S14 will be described. When the cancellation operation information is received, a message such as "Stop the transaction, please press the confirmation button if you like" is displayed on the customer guidance screen and a cancellation confirmation operation is requested (S29). Here, when the "confirm" button is pressed, a process of returning the electronic money balance of the customer money card 1 updated in step S11 becomes necessary. In this cancellation process, the customer electronic money 35c stored in the escrow card 3 is transmitted to the customer money card 1, and the electronic money balance information of the customer money card 1 is updated.

For this purpose, the main control section 26 reads out the electronic money balance information 35 b and the money amount information of the customer electronic money 35 c from the escrow card 3 and stores them in the storage section 23. Next, the stored amount of the customer electronic money 35c is subtracted from the customer electronic money 35c in the escrow card 3.

When the result of this subtraction becomes 0 (zero), the customer electronic money 35c is transmitted to the customer money card 1, and
Subsequently, the escrow card 3 is updated (the customer electronic money is deleted, that is, the amount is zero) (S30). The customer money card 1 adds (updates) the customer electronic money 35c to the electronic money balance (S31).

Next, the updated electronic money balance information of the customer is read and compared with the electronic money balance information of the customer stored in the storage unit 23 (S32). If the comparison results are the same (the same amount), the operation shifts to returning operation of the customer money card 1.

As described above, in the payment transaction using the electronic money, the transaction amount of the electronic money is stored in the escrow card, and it is possible to notify the fund information and set the time when the confirmation input is made as the responsibility demarcation point. Therefore, it is possible to clarify whether or not the transfer of the monetary value has been completed even in a transaction settlement with a time limit such as a payment term.
It goes without saying that the means for informing the customer can be voice guidance by the voice guidance unit 19 in addition to displaying on the customer service unit 18.

In the first embodiment of the present invention, information other than the customer electronic money 35c is stored in the escrow card 3. However, the present invention is not limited to this. 23, the same processing can be performed.

A transaction by electronic check other than the deposit transaction by electronic money will be described. The electronic money itself is transferable and anonymous, and when the fund information is transmitted to the bank money card 2 and updated, the customer information 35a and the electronic money balance information 35b in the escrow card 3 are unnecessary information in principle. There is no problem even if it is deleted. In addition, it is not essential to store it in the escrow card 3. But,
Electronic checks are often used mainly for high-value transactions among electronic money transactions, and are temporarily stored as electronic check information 36a as shown in FIG. It must be stored (stored) until it is electronically processed by other electronic transaction means. As described above, the escrow card 3 has a storage area for storing electronic money transactions and a storage area for storing fund information as electronic check information.

Next, a second embodiment of the present invention will be described. The same components as those in the first embodiment are denoted by the same reference numerals. FIG. 10 is a system configuration diagram of the electronic transaction system of the present invention, which is a system capable of depositing digitized funds in a money management center using a public line or a dedicated line. Reference numeral 8 denotes a money management server provided in a money management center managed by the financial institution, which includes a virtual ATM 37, a transaction processing manager 38, a transaction log counter 39, a card safe 40, and a card array manager 41.

The virtual ATM 37 has a plurality of escrow cards 3a mounted on a plurality of IC card readers / writers (not shown), and can be handled in the same manner as an automatic transaction device (ATM) provided at a branch of a financial institution. This is a possible virtual ATM, and the transaction processing is managed and controlled by the transaction processing manager 38. A transaction log counter 39 manages and stores the content and the number of transactions made by the transaction processing manager 38.

The card safe 40 has a plurality of bank money cards 2a mounted on a plurality of IC card readers / writers (not shown), and is for receiving transfer fund information stored in the escrow card 3a. The transaction processing is managed and executed by the card array manager 41. The card array manager 41 is connected to the host computer 6 and the storage device 7 via the communication line 5.

Reference numeral 12 denotes a public line (or a dedicated line may be used).
And a home terminal 9 or a POS terminal 10 as a customer terminal and a personal computer (hereinafter referred to as PC).
11 is a communication line for connecting the line to the money management server 8. The home terminal 9 is composed of, for example, a multifunctional telephone and an IC card reader / writer. When withdrawing electronic money in the deposit ledger file 7a of the own account, the home terminal 9 is transferred from the customer money card 1a to the money management server. This is used when a transaction is made via the client 8.

The POS (Point of sale) terminal 10 is a so-called point-of-sale information management terminal provided at a retail store or the like.
It is used when depositing and withdrawing transactions via the customer money card 1a inserted into the IC card reader / writer and the money management server 8 when depositing sales by electronic money or withdrawing operational funds. . PC
Reference numeral 11 is used when conducting a transaction via the customer money card 1a and the money management server 8 in the same manner as described above.

FIG. 11 is a conceptual diagram showing a data storage area of an escrow card according to the second embodiment of the present invention.
43 is escrow card identification information, which is virtual A
This is a data area of a card number for identifying the escrow card 3a inserted in the TM 37, an identification number of an attached IC card reader / writer, and a password used by an administrator when taking out and analyzing an accident when an accident occurs.

Reference numeral 44 denotes a storage area for temporarily storing bank electronic money balance information transferred from the bank money card 2a at the start of electronic transaction. 45 is a transaction processing manager 38
Is a storage area for storing customer account information transmitted by a customer (including a retail shop owner) from the POS terminal 10, and is a customer account number and a customer name. It has a storage area for customer electronic money balance information 47 before the transaction and customer electronic money 48 as transaction amount information.

Reference numeral 49 denotes the aforementioned service number 45 and customer account information 4
6, an area capable of storing the same contents as the electronic money balance information 47 before the transaction and the customer electronic money 48 is formed. These pieces of information are divided into a plurality of (n) recording areas, and can be sequentially stored in the EEPROM 3d shown in FIG.

Note that the plurality of escrow cards 3a are issued by an issuer (Origin) of the customer money card 1a having a different transaction form.
ator), and a bank money card 2 corresponding to the escrow card 3a.
a is provided and stored in the card safe 40.

Next, an electronic transaction from the POS terminal 10 as a customer terminal will be described. The customer inserts the customer money card 1a into the POS terminal 10 and performs a predetermined operation input.
A line connection is made with the money management server 8 via the public line 12. When the line is connected to the money management server 8, a session for a transaction is established, and a guidance display is made to input a predetermined number for specifying a transaction type. When the customer instructs the "payment transaction" by the guidance display, the money management server 8
Returns a deposit transaction operation instruction.

When the customer operates the POS terminal 10 to perform a deposit transaction operation input, the MPU in the customer money card 1a
3e starts the reading operation of the stored information. First, a voltage / clock is applied to the terminal section 3a in a predetermined order, and the stored contents are read. When a part of the read information (information necessary for mutual authentication) is transmitted via the public line 12, the MPU 3e of the escrow card 3 returns authentication data for mutual check to the POS terminal 10 side, and the mutual authentication is performed. Perform

When the validity is confirmed by the mutual check, the POS terminal 10 transmits the read storage information (information for specifying the customer and conducting a transaction) to the money management server 8. The money management server 8 stores the received customer account number, customer name, and electronic money balance information of the customer in the transaction log counter 39.

When the customer performs a fund deposit input operation in a predetermined procedure according to the payment operation guidance display, whether the input transaction amount is within the customer electronic money balance amount stored in the customer money card 1a or not. Check
If it is within the customer electronic money balance amount, the input payment transaction amount information is stored in the RAM 3c. Further, when the POS terminal 10 transmits the deposit transaction amount information to the money management server 8, the transaction processing manager 38 returns a subtraction command and the deposit transaction amount information to the POS terminal 10. The POS terminal 10 updates the customer money card 1a by subtracting the transaction amount from the customer electronic money balance.

On the other hand, the transaction processing manager 38 transmits an addition command and information on the deposit transaction amount to the escrow card 3a. The escrow card 3a adds the deposit transaction amount information to the amount information in the storage area of the customer electronic money 48. Since the customer electronic money 48 before the addition is 0 (zero), the deposit transaction amount is the same as the customer electronic money 48. At the same time, the customer electronic money 48 is transmitted to the money management server 8.

In the money management server 8, the received transaction amount information previously received and the customer electronic money 4
If the amount information is the same, it is determined that there is no fraudulent activity or system abnormality in the connection line or the like, and the virtual ATM
Escrow card 3a in 37, bank electronic money 44,
In order to store the handling number 45 and customer electronic money 48,
The drive of the C card reader / writer is controlled and stored in the escrow card 3a.

Next, the transaction processing manager 38 reads the electronic money balance information updated to the new balance from the customer money card 1a. Subsequently, from the escrow card 3a, the customer's electronic money balance information 47 stored at the time of starting the transaction.
And the amount information of the customer electronic money 48 is read, and the amount information of the customer electronic money 48 is added to the updated electronic money balance of the customer, and the electronic money balance information 47 at the start of the transaction
Compare with

If they are the same (same amount), the service number 45 and the amount information of the customer electronic money 48 are transmitted to the POS terminal 10. The POS terminal 10 displays the transaction amount on a display unit (not shown) and also displays a transaction amount confirmation request message, and requests the customer to perform a confirmation operation.

When the confirmation operation information is output by operating the POS terminal 10, the movement of the fund information of the customer money card 1 a is determined, and at the same time, the confirmation signal is transmitted to the money management server 8.
Is stored in the escrow card 3a, and the payment processing with the customer is completed.

The subsequent processing goes beyond the responsibility demarcation point 42 and the bank money card 2 managed by the card array manager 41
This is a process of transferring funds to a. At this point, the electronic money has a monetary value managed by the financial institution.

In the final settlement, the financial institution controls the money management server 8 and the escrow card 3a
Based on the customer account information 46 and the amount information of the customer electronic money 48, the deposit / saving balance information in the deposit ledger file 7a of the account opened by the customer is updated (added), and the settlement is completed. At the same time, the POS terminal 10 stores the transaction number and transaction information in a storage area (not shown) of the customer money card 1a, and the electronic transaction is completed.

A case where the customer operates the POS terminal 10 to perform a cancel operation will be described. When the cancellation operation information is output from the POS terminal 10, the transaction processing manager 38 reads the customer's electronic money balance information 47 and the amount information of the customer's electronic money 48 from the escrow card 3a, and escrows the amount of the customer's electronic money 48. It is subtracted from the customer electronic money 48 in the card 3a.

When the result of the subtraction becomes 0 (zero), the customer electronic money 48 is transmitted to the customer money card 1a, and then the escrow card 3a is updated (the customer electronic money is erased, ie, the amount is zero). The customer money card 1a adds (updates) the customer electronic money 48 to the electronic money balance.

The updated electronic money balance information of the customer is read out and compared with the previous electronic money balance information 47.
If the comparison results in a match (the same amount), the return of the customer electronic money to the customer money card 1a is completed.

In FIG. 10, the bank money card 2a
And three escrow cards 3a, respectively.
It is not limited to this number. Further, the transaction form of the customer money card 1a inserted into the customer terminal is identified, and the escrow card 3a that matches the transaction form is selected.
This control is performed by the transaction processing manager 38, and the result is stored as a transaction record in the transaction log counter 39.

As described above, it is possible to provide an electronic transaction system having a high security effect without the physical and physical burden of transporting cash to a conventional branch, and the customer keeps the IC card storing the sales and the like. In such a case, excessive consideration for theft is not required.

[0088]

The present invention described above has the following effects. In the transfer of funds between the customer money card and the bank money card, even if a failure occurs during the transfer of electronic money (data update), the transaction details can be confirmed and recovered by searching the transaction details from the escrow card. It can guarantee financial value that does not physically exist. Further, it is possible to store the electronic money transaction information in the escrow card or the transaction information in the escrow card and confirm the stored transaction information by the customer as a demarcation point of responsibility, and determine whether the transaction has been completed. This has the effect of making it easier.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing the concept of electronic transaction using an IC card according to the present invention.

FIG. 2 is a control block diagram of the automatic transaction apparatus of the present invention.

FIG. 3 is an internal conceptual diagram of a card processing unit of the present invention.

FIG. 4 is a schematic view of an escrow card of the present invention.

FIG. 5 is a conceptual diagram showing a data storage area of the escrow card of the present invention.

FIG. 6 is a flowchart of an electronic transaction of the present invention.

FIG. 7 is a flowchart of an electronic transaction of the present invention.

FIG. 8 is an explanatory diagram showing a display example of a customer guidance screen of the present invention.

FIG. 9 is an explanatory diagram showing a display example of a customer guidance screen of the present invention.

FIG. 10 is a diagram showing an electronic transaction system according to the present invention.

FIG. 11 is a conceptual diagram showing a data storage area of the escrow card of the present invention.

[Explanation of symbols]

 1, 1a Customer money card 2, 2a Bank money card 3, 3a Escrow card 4 Automatic transaction device (ATM) 6 Host computer 7 Storage device 7a Deposit ledger file 8 Money management server 9 Home terminal 10 POS terminal 11 Personal computer ( PC) 15 Card processing unit 15f IC card reader / writer 16 Statement processing unit 21 First card reader / writer 22 Second card reader / writer 23 Storage unit 26 Main control unit 37 Virtual ATM 38 Transaction processing manager 40 Card safe 41 Card array Manager 42 Demarcation point of responsibility

Claims (6)

[Claims] 1. A portable electronic device which stores a monetary value as fund information and which can update the stored fund information, wherein the portable electronic device comprises: a payer of the monetary value; There are two types owned by the recipient, and the portable electronic device owned by the recipient is built in or connected to a computer or terminal device having an account processing function owned by the recipient, and further owned by the recipient. The portable electronic device is an electronic transaction system that enables a transfer transaction of the monetary value between the portable electronic device owned by the payer and the portable electronic device owned by the payer. At the time of the transaction for transferring the fund information to the portable electronic device owned by the payer, a part or part of the fund information incorporated in or connected to the computer or the terminal device and owned by the payer. Is provided with an escrow card for temporarily holding the transferred fund information until the transfer processing of the fund information is normally completed when the whole is transferred to the portable electronic device owned by the recipient. And electronic trading system. 2. The electronic transaction system according to claim 1, wherein at the time of the transaction, the fund information stored in the escrow card is read by the computer or the terminal device, and the fund information is notified to a payer, thereby transferring the funds. An electronic trading system that allows you to confirm that the transaction has been performed successfully. 3. The electronic transaction system according to claim 2, further comprising an input operation unit capable of instructing a confirmation operation or a cancellation operation with respect to the notified fund transfer information, and transmitting the confirmation operation or the cancellation operation information to the computer. Or an electronic transaction system that can instruct terminal devices. 4. The electronic transaction system according to claim 3, wherein the computer or the terminal device moves the fund information stored in the escrow card to the portable electronic device of the recipient when receiving the confirmation operation information. An electronic transaction system that starts processing and, when receiving cancellation operation information, starts processing for moving the fund information stored in the escrow card to the portable electronic device of the payer. 5. The electronic transaction system according to claim 4, further comprising a storage device or an output device that is built in or connected to the computer or the terminal device and records the series of transaction processes. 6. The electronic transaction system according to claim 4, wherein the transfer of the fund information to the escrow card when the confirmation operation information is received causes the portable electronic device of the recipient to receive funds other than the transaction. An electronic transaction system in which information is stored and fund information of the transaction is additionally stored.