JPH11175640A - Electronic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To succeed in a deposit transaction even when a bank money card is locked and can not be used in the case of using both of a customer money card and the bank money card. SOLUTION: In the electronic money transaction system for recording a money value in a card-like storage medium as fund information and executing an electronic money transaction by moving the fund information, a money management center 5 is connected to a storage device 8 storing customer's voice registration information and 2nd fund information for every opened customer's account and is provided with plural bank money cards 54b respectively storing money values as fund information. In the case of moving fund information from a customer money card 1 to one of the bank money cards 54b, a voice is inputted from a customer's terminal equipment 2 when the money card 54b can not accept the fund information, the voice input information is compared with the voice registration information stored in the storage device 8, and at the time of judging coincidence between both the information, the fund information is moved.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for depositing a currency into a financial institution such as a bank,
(Integrated Circuit) The present invention relates to an electronic transaction system which stores electronic money in a card and conducts business transactions.

[0002]

2. Description of the Related Art When performing electronic payment using electronic money on the Internet, monetary value (electronic money) information is stored in an IC card held by a user and exchanged with an IC card on a receiving side. Mutual authentication is performed to transfer monetary value information. Mutual authentication is performed by verifying each other's authentication information, and the transfer of monetary value information is performed in the customer terminal based on payment information input by the customer terminal held by the user. The data is transmitted to the partner's IC card via the internetwork line. The paying IC card reduces the monetary value information and sends it to the receiving IC card, and the receiving IC card increases the monetary value information, and finally generates and stores and stores transaction history data. Since such electronic settlement is performed on the Internet, a plurality of payments and deposit transactions occur simultaneously in parallel, day and night. For this reason, electronic money safes, which store a plurality of IC cards and respond quickly, are frequently provided in, for example, financial institutions that frequently perform electronic transactions.

[0003]

In such an electronic payment system using financial value (electronic money) information,
Communication may be interrupted if the network conditions are poor and a timeout occurs. At this time, it is recorded as a communication failure and recorded in a log as accident information. This log information is important evidence when, for example, electronic money is transmitted but not received on the other side. When this log information is accumulated a predetermined number of times, it is locked as an unusable card. Therefore, if the timeout occurs frequently, the number of unusable cards increases, and subsequent transactions cannot be performed.

[0004] These unusable cards reset the lock or replace the card by a predetermined operation, but the monetary value information stored in the card cannot be easily reset from the necessity of safe management and storage. Because you ca n’t
Care must be taken with the help of personnel. Therefore,
In addition to an increase in capital investment to increase the number of cards to operate 24 hours a day, 365 days a year, financial institutions have problems not only in waiting for maintenance personnel but also in security during nighttime maintenance.

[0005]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides an electronic money transaction in which a monetary value is recorded as money information on a card-shaped storage medium, and the money information is transferred. In a transaction system, a customer money card storing first fund information as a card-shaped storage medium, a customer terminal capable of reading and writing the first fund information from the attached customer money card, and voice input / output. And a higher-level device capable of connecting to a customer terminal and a network line. The host device is provided with a storage device for storing customer voice registration information and second fund information for each opened customer account, and a card-shaped storage medium for storing monetary value as fund information. When transferring the fund information from the customer money card to the card-shaped storage medium using the device, when the card-shaped storage medium cannot be accepted, a voice input is made from the customer terminal, and the voice input information and the voice in the storage device are input. The registration information is compared, and when it is determined that they are the same, the fund information is moved, and the first and second fund information are updated.

[0006]

Embodiments of the present invention will be described below. FIG. 1 is a system diagram of an electronic transaction system of the present invention, FIG. 2 is an external view of a customer terminal, and FIG. 3 is a control block diagram of the customer terminal. FIG. 4 is an explanatory diagram showing an example of a non-contact IC card used in the electronic transaction system of the present invention, and FIG. 5 is a conceptual diagram showing a part of data stored in the IC card. In the figure, reference numeral 1 denotes a customer money card (details will be described later), which is configured to be able to read or write information by being placed on a reader / writer section 21 of the customer terminal 2. Reference numeral 3 denotes a multifunctional telephone connected to the customer terminal 2, and a network capable of connecting to a money management center 5 of a financial institution via a communication network 4 is constructed. It should be noted that there are a plurality of money management centers 5 depending on the number of customers and the size of each area (see FIG.
a, 5b) are provided.

[0007] The money management center 5 is connected to a host computer 7 via a dedicated line 6. Reference numeral 8 denotes a storage device managed by the host computer 7, which stores an account ledger file 8a and a customer information file 8b.
The contents of the account ledger file 8a include the address, name, age, occupation, account number, personal identification number, balance information of deposit and savings (corresponding to financial value information, hereinafter referred to as electronic money balance, The host computer 7 instructs the host computer 7 to update the electronic money balance each time a transaction is performed, and the latest information is stored and stored in the storage device 8. In addition, as for the deposit and savings balance information, it is assumed that a part or all of the deposit balance has been exchanged for “electronic money” as a monetary value equivalent to the same currency, but it is not treated as electronic money but the deposit and Although it is naturally possible to use balance information, in the following description, the deposit / saving balance information will be described as “electronic money balance”.

[0008] The customer information file 8b stores voice registration information for each customer account number, which is registered by a predetermined procedure at the time of opening an account, and is voice information of the customer name and date of birth. The money management center 5 includes a transaction processing manager 51, a transaction log counter 52, a control software storage unit 53, a card safe 54, a card array manager 55, and a voice recording device 56.

The transaction processing manager 51 controls electronic transactions traded via the communication network 4 and stores the content and the number of information traded by the transaction processing manager 51 as a transaction log counter. 52. In the control software storage unit 53, control software 53a for performing various transaction controls is stored for each settlement mode.

The card safe 54 stores a plurality of bank money cards 54b mounted on a plurality of IC card readers / writers 54a (not shown). For storing and processing, the card array manager 5
5, the transaction processing is managed and executed. The card array manager 55 is connected to the host computer 7 via the dedicated line 6 together with the transaction processing manager 51.
The bank money card 54b is a card-shaped storage medium on which an IC (integrated circuit) is mounted, and is electrically connected to the IC card reader / writer 54a.

A personal computer (hereinafter referred to as a PC) is provided via the communication network 4 in addition to the multifunctional telephone 3.
9), a point-of-sale terminal (hereinafter referred to as a POS terminal) 10 and the money management center 5 can be connected to a line. The customer terminal 2 is provided with a plurality of operation buttons 22 for inputting various processing mode settings and the like as illustrated. A display unit 23 displays a transaction amount, a processing state, and the like, and is constituted by, for example, a liquid crystal display.

Reference numeral 21 denotes a reader / writer section of the customer money card 1, which supplies electric power to a coil (not shown) in a predetermined procedure when the customer money card 1 is placed and physically close to each other, and an antenna on the customer money card 1 side. An electromotive force is generated in the coil, and communication is performed alternately by a half-duplex communication method to enable reading and writing of stored information, and is controlled by the control unit 24. Although the power to the customer terminal 2 is supplied from the multi-function telephone 3, the power may be supplied by providing a battery.

The control unit 24 also controls a storage unit 25 storing a program for controlling the operation buttons 22, the display unit 23, the reader / writer unit 21 and the like. P
C9 is used when conducting a transaction via the customer money card 1 and the money management center 5 in the same manner as described above, and is positioned as one form of the customer terminal 2 together with the POS terminal 10.

The host computer 7 is connected to a card issuing base or another financial institution (not shown) via a settlement network line network, and performs a transaction with a customer money card having an account opened in a different financial institution. Are also usable, but are omitted because they are not relevant to the present invention.

The customer money card shown in FIG. 4 will be described. The customer money card 1 is a non-contact type IC (integrated circuit) card having a size conforming to a predetermined standard and having predetermined physical and electrical characteristics and a communication protocol.
Reference numeral 101 denotes a magnetic stripe on which a customer-specific identification data such as an identification code for each financial institution, a customer name, an account number, and the like are magnetically recorded. Reference numeral 102 denotes a character printing area, like the magnetic stripe 101, for printing a financial institution code, a customer's name and account number, and the like, and forming a convex character (emboss).
This is an area provided for embossing.

[0016] 103 is embedded in the card base material,
(Integrated circuit) This is a CPU formed into a chip, and is electrically connected to the antenna coil 105 via the communication interface 104 in the card base material. The CPU 103 includes a processing program for an initial operation for performing transaction settlement, a ROM storing encryption software and encryption key information, and
It has a built-in RAM that temporarily stores transaction contents and received control software.

Referring to FIG. 5, a part of the data stored in the customer money card will be described. First, the "financial institution code" which is the issuing or managing source of the electronic money identifies the financial institution previously assigned to each financial institution. It is for doing. The "account number" is a number for each customer stored in the account ledger file 8a in the storage device 8 of the financial institution, and the "customer name" is the name of a customer who has opened an account, needless to say. The "PIN" is composed of several digits or the like applied in a predetermined procedure at the time of opening an account, and is for identifying a customer.

The “expiration date” is set to the value of the customer money card 1
The expiration date indicates the expiration date, and is set by the security issuer such as update and encryption of the control program in the CPU 103. Although the description is omitted, it is determined that the expiration date is not expired during the transaction. Will be confirmed by The “maximum storage limit” indicates the limit that can be stored in the customer money card 1 as electronic money, and the “balance amount” is the value of digitized value information stored as electronic money. The "balance amount" is controlled to be equal to or less than the maximum storage limit, but not to exceed. "Transaction history" includes electronic money filling transactions,
When electronic commerce is performed, the transaction records are sequentially stored as transaction records. In the present embodiment, the latest 10 transactions are stored, and when the 11th transaction occurs after exceeding 10 transactions. Erase the earliest transaction record and record the transaction. Of these stored data, the “balance amount” and “transaction history” are stored in an updatable storage element (EEPROM), and the other information is stored as fixed information.

The case where electronic money in the customer money card 1 is transferred (fund transfer) to the customer's savings account using the customer terminal 2 will be described with reference to the flowchart of the electronic transaction of the present invention shown in FIG. S indicates each operation step. As a transaction preparation, the customer electrically connects the customer terminal 2 and the multifunctional telephone 3 with a connection cord (not shown). Then, power is supplied to the customer terminal 2 from the multifunctional telephone 3, and the control unit 24 initializes the operation buttons 22, the display unit 23, and the like according to an initialization program stored in the storage unit 25. When the initial operation is completed, "READY" is displayed on the display unit 23 (S1).

When the customer places the customer money card 1 on the reader / writer section 21 (S2), the control section 24 displays "Start transaction operation" on the display section 23.
The customer presses the operation button 22 of the customer terminal 2. Subsequently, when a predetermined account ID (specific number for logging in to the money management center) is input from the multi-function telephone 3 (S
3) The line is connected to the money management center 5 via the communication network 4 (S4). Note that in order to obtain an account ID, it is necessary to apply to a partner (financial institution) in advance and obtain a predetermined number or the like, but the description is omitted.

When a line is connected to the money management center 5 and there is an instruction from the transaction processing manager 51 to select and input a transaction item, the transaction items stored in the storage unit 25 in advance are shown in FIG. Is displayed on the display unit 23 as follows,
When the customer presses the "#" and "1" buttons of the multifunctional telephone 3 (S5), the display changes to "Please load a card". Subsequently, when the customer places the customer money card 1 on the reader / writer section 21, the reading operation of the storage data of the customer money card 1 is started (S6), and a part of the read storage data is transacted by a predetermined communication protocol. It is transmitted to the processing manager 51 (S7).

The transaction processing manager 51 transmits predetermined check data to the customer terminal 2 to start a mutual check. When the validity is confirmed by the mutual check operation (S8), other stored data is transmitted to the transaction manager 51, and the money management center 5 transmits the stored data to the host computer 7 (S10). . The host computer 7 makes an inquiry with the customer information in the account ledger file 8a (S11), and when it is confirmed that the transaction is possible, a session is established (S12).

When the session is established, the transaction manager 51 encrypts the control software 53a and sends it to the customer terminal 2 (S13). The transmitted control software 53a is decrypted on the customer terminal 2 side and
Is stored in the RAM. When the storage is completed, the CPU 10
3 and the transaction processing manager 51 via the customer terminal 2
Is notified of the storage completion. Upon receiving the storage completion notification, the transaction processing manager 51 issues a guidance signal to input a password. When the customer inputs the personal identification number according to the guidance display on the display unit 23 (S14), the personal identification number is collated with the personal identification number stored in the account ledger file 8a of the host computer 7 (S15).

In step S15, when a password different from the password stored in the host computer 7 is entered, a screen prompting "Please re-enter the password" is displayed to prompt the user to input again. If the password cannot be confirmed even after the predetermined number of re-entries, the system informs the user that the password is incorrect and cancels the transaction, disconnects the line connection with the host computer 7 and ends the transaction. (S9). When the customer is determined by collation of the password, the customer information such as the customer name and the electronic money deposit account information is returned from the account ledger file 8a in the storage device 8 to the customer terminal 2 and displayed on the display unit 23 (S16). ).

On the other hand, the customer terminal 2 also displays the electronic money balance stored in the customer money card 1. When the customer inputs the deposit information with reference to both the deposit account information and the electronic money balance received in step S16, the CPU 103 compares whether the entered deposit information is within the electronic money balance. And
If the balance is within the balance, the balance amount after the transaction to be subtracted by this transaction is calculated and temporarily stored in the RAM, and a signal indicating the completion of the storage is transmitted to the transaction processing manager 51. When the deposit amount is equal to or more than the electronic money balance, the maximum deposit amount is displayed, and the customer is requested to perform a correction input and a confirmation operation.

When the transaction processing manager 51 notifies the card array manager 55 of a signal indicating that the storage in the RAM has been completed, the card array manager 55 sends the card safe 5
Then, a search for a depositable bank money card 54b in the step 4 starts (S17). Here, a plurality of bank money cards 54
If there is a depositable bank money card 54b that has not been locked (transaction suspended) in b, the electronic money balance of one of the bank money cards 54b is increased and updated (S18). At the same time, the transaction log counter 52
Store transaction information in.

When the updating of the balance information of the bank money card 54b is completed, a payment completion notification is sent from the card array manager 55 to the customer terminal 2 via the transaction processing manager 51, and the CPU 103 stores the balance information stored in the RAM. Is updated as electronic money balance data in the EEPROM (S19). Further, the transaction number, transaction date and time, and transaction amount information are stored in the transaction history storage area of the customer money card 1 (S20).

When the update of the balance information of the customer money card 1 and the storage of the transaction history are completed, the electronic money balance amount data in the EEPROM is compared with the transaction information stored in the RAM, and the stored transaction information is checked. Is completed, the completion of the transaction is displayed on the display unit 23 (S21). Then, a message indicating the end of the transaction as shown in FIG. 7C is displayed.

At this point, the line connection between the customer terminal 2 and the money management center 55, which is the higher-level device, and the host computer 7 is disconnected (S22). When the customer picks up the customer money card 1 while looking at the display as shown in FIG. 7C, this is detected, and the transaction information and the control software 53a in the RAM are deleted (S23). In the final settlement, the financial institution controls the money management center 5 to update the electronic money balance information in the account ledger file 8a of the account opened by the customer from the transaction information in the card safe 54 (increase). ) And the payment will be completed. This final settlement may be performed in real time or may be performed at a later date. In the above description, only the display on the display unit 23 has been described. However, it is needless to say that the operation guidance can be performed by voice from the multifunctional telephone 3.

Next, step S, which is a main part of the present invention, is described.
At 17, the bank money card is locked (transaction canceled)
Will be described. Multiple bank money cards 54
If there is no depositable bank money card 54b in b, the receipt of electronic money at the financial institution is not completed, and the transaction processing manager 51 sends the customer terminal 2 to the customer terminal 2 as shown in FIG. Thus, it is notified that the transaction is switched to the transaction by voice (S24). For example, this announcement says,
This line is out of order, so we will switch to voice-based transactions. Please respond by picking up the handset by XX Taro. ”When it is detected that the customer picked up the handset, "Please give your name and date of birth clearly."

When the customer states his name and date of birth (S2
5), the transaction processing manager 51 has the transaction log counter 5
A flag 1 indicating that the transaction is a voice transaction is set in 2 and the voice recording unit 56 is controlled to store voice information. Further, when the transaction processing manager 51 transmits the voice information to the host computer 7 (S26), the host computer 7 extracts the voice registration information of the corresponding account from the customer information file 8b and performs comparison with the received voice information (S27). ). If the matching rate is higher than a predetermined value by a predetermined collation method, a signal indicating that the account is opened is returned to the transaction processing manager 51.

The transaction processing manager 51 issues a payment completion notice to the customer terminal 2, and the CPU 103 executes the above-described steps S19 to S23 for updating the balance information stored in the RAM as electronic money balance amount data in the EEPROM. Do. If the match rate of the result of the comparison and comparison between the voice registration information and the received voice information in step S27 is lower than a predetermined value, "not an account opener"
Is returned to the transaction processing manager 51.
The transaction processing manager 51 says, "I can't confirm with Mr. Taro. If you want to confirm again, press the" 0 "button. If you don't mind canceling the transaction, press the" 1 "button. "And voice guidance.

When the "0" button of the multi-function telephone 3 is pressed, the operation from step S24 is performed again. When the "1" button is pressed, the transaction is canceled (step S9). Become.

In the above description, the customer terminal 2 and the multi-function telephone 3 are connected. However, as shown in FIG.
2a, color liquid crystal display 23a, handset 27a, and IC card reader / writer 21 (not shown)
a may be provided. In the customer terminal 2a shown in the figure, a customer money card 1a (contact type IC card in the figure) is inserted from the direction of arrow A to perform the above-described transaction.

Next, post-processing in the money management center will be described. FIG. 9 is a conceptual diagram showing a part of the record data of the transaction log information. "Flag 1" indicates a case where the bank money card is locked due to a communication line failure or the like and the transaction processing is performed by a customer confirmation transaction by voice. (For example, code 1 is set).

The "management center code" is an identification number unique to the money management center 5 of the financial institution where the customer has transacted via the communication line, and the "transaction serial number" is a transaction number assigned to each transaction and is automatically set in transaction time order. Numbered. "Transaction day time"
Is the time at which the customer terminal 2 was connected to the money management center 5, and the "account number" and "customer name" are the account number and customer name opened by the customer, needless to say. "Phone number" is an identification number of a telephone used when conducting a transaction by voice.

The “deposited transaction amount” is the amount data of the electronic money received from the customer terminal 2 side, and here has a monetary value. The “post-transaction balance amount” is the balance information of the electronic money remaining in the customer money card 1, and in the case of the above-mentioned deposit transaction, is the amount information obtained by subtracting the deposit amount from the balance before the transaction. "Flag 2" is turned on when the deposit transaction amount moves to the bank money card 54b as described later.
At the time of the voice transaction,
F (for example, code 0 is set).

Next, with reference to the flow chart of the electronic transaction shown in FIG. 10, the transfer processing of the electronic money (money value) after unlocking the bank money card will be described. When the lock processing of the bank money card 54b is released by a predetermined procedure or replaced by another reset bank money card and the transfer processing is instructed (S31), the payment transaction which has not been completed due to poor communication is completed. In order to do so, the transaction processing manager 51 starts searching for transaction information stored in the transaction log counter 52 (S32). In this search, the flag 1 = ON in the storage data shown in FIG.
This is performed by searching for transaction information that is OFF (S33).

When the transaction information in which the flags 1 and 2 satisfy the above condition is found, the transaction processing manager 51 transmits at least “deposited transaction amount” information as the transaction information to the card array manager 55 (S34), and The electronic money balance information of the bank money card 54b selected by the card array manager 55 is updated (S35).

When the update processing is completed, a notification of the completion of the update is sent from the card array manager 55, and the transaction processing manager 51 changes the flag 2 to ON and completes the first processing. Then, the flag 1 in the stored data is turned on,
The search for the next transaction information for which flag 2 = OFF is started, and if there is such transaction information, the same processing is performed. When the search of all the transaction information is completed, the transaction history, the account number, the deposit transaction amount, and the date and time when the bank money card was updated are recorded as the transaction history in the transaction log counter 52 as the transaction history ( S37). The voice information stored in the voice recording device 56 is stored together with the transaction history of the transaction log counter 52 for a predetermined period (for example, one year).

Next, withdrawal (withdrawal of electronic money) will be briefly described. If all the bank money cards 54b are locked, the customer money card 1 cannot be filled with electronic money, that is, the withdrawal transaction cannot be performed. Therefore,
The money management center 5 connected to the customer terminal 2 notifies the host computer 7 of "transaction impossible". The host computer 7 searches the other money management centers 5a or 5b connected by a dedicated line for a money management center where the bank money card is not locked and which can be traded.

For example, if a transaction with the money management center 5 a is possible, the host computer 7 returns “alternative transaction possible” information to the transaction processing manager 51 in the money management center 5. The transaction processing manager 51 is the customer terminal 2
When the transaction information is transferred to the host computer 7 while maintaining the connection state with the host computer 7, the host computer 7 controls the money management center 5a to advance the alternative transaction. In order to switch the money management center and perform alternative transactions in this way,
Customers can conduct withdrawal transactions without any awareness. Although the host computer 7 and the money management center 5 and the customer terminal 2 are encrypted and decrypted for mutual communication, their description is omitted.

[0043]

The present invention described above has the following effects. 2. Description of the Related Art In a system for performing electronic settlement using monetary value information (electronic money) using an internetwork network, communication is interrupted due to bad network conditions, timeout occurs a predetermined number of times, and a bank money card is locked as an unusable card. However, since the confirmation is made by voice and the transaction is completed, the convenience for the customer is good. Also,
For example, a financial institution can perform a reset operation and a collection / exchange of a locked bank money card in a safe time zone in the daytime, and can safely manage and operate the bank money card.

Since the transaction record by voice is stored in the transaction log counter with the flag 1, the transaction amount can be automatically moved after the bank money card is reset. Since the completion can be identified by the flag 2, there is an effect that it can be effectively used in accident analysis.

[Brief description of the drawings]

FIG. 1 is a system diagram of an electronic transaction system of the present invention.

FIG. 2 is an external view of a customer terminal of the present invention.

FIG. 3 is a control block diagram of the customer terminal of the present invention.

FIG. 4 is an explanatory view showing an example of a non-contact type IC card used in the present invention.

FIG. 5 is a conceptual diagram showing a part of data stored in a customer money card of the present invention.

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

FIG. 7 is an explanatory diagram showing an example of operation guidance display on the display unit of the customer terminal device of the present invention.

FIG. 8 is an external view showing an example of another customer terminal of the present invention.

FIG. 9 is a conceptual diagram showing a part of stored data of transaction log information of the present invention.

FIG. 10 is a flowchart of an electronic transaction of the present invention.

[Description of Signs] 1, 1a Customer money card 2, 2a Customer terminal 3 Multi-function telephone 4 Communication network network 5, 5a, 5b Money management center 7 Host computer 8a Account ledger file 8b Customer information file 9 Personal computer ( PC) 21 Reader / writer unit 22, 22a Operation buttons 23, 23a Display unit 25 Storage unit 51 Transaction processing manager 53 Control software storage unit 53a Control software 54 Card safe 54b Bank money card 55 Card array manager

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁶ Identification code FI G07D 9/00 436 G07D 9/00 461A G06F 15/21 340B 461 15/30 C 360 15/62 465U

Claims (3)

[Claims] 1. An electronic transaction system in which a monetary value is recorded as fund information on a card-shaped storage medium and an electronic money transaction is performed by moving the fund information, wherein the first fund information is used as the card-shaped storage medium. A customer terminal which can read and write the first fund information from the attached customer money card, and which can input and output voice, and a network line can be connected to the customer terminal. A higher-level device, a higher-level device includes a storage device that stores customer voice registration information and second fund information for each opened customer account, and a card-shaped storage medium that stores a monetary value as fund information. When transferring the fund information from the customer money card to the card-shaped storage medium using the customer terminal, when the card-shaped storage medium cannot be accepted, Control for making a voice input from the customer terminal, comparing the voice input information with voice registration information in the storage device, and moving the fund information when it is determined that they are the same, and updating the first and second fund information. And an electronic trading system. 2. The electronic transaction system according to claim 1, wherein the higher-level device further stores transaction log information including transaction amount information having at least a monetary value when a fund transfer process is executed. An electronic transaction system wherein, when the card-shaped storage medium is ready to receive funds, the control means reads transaction amount information from the storage unit and transfers funds to the card-shaped storage medium. 3. The electronic transaction system according to claim 2, wherein, when the processing of transferring the fund information to the card-shaped storage medium is performed, the transaction log information identifies that the processing has been completed.