JPH11203374A - Electronic money transaction device and electronic money recording medium used for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic money transaction device in which an individual limit sum can be easily set in an electronic money card, operability at the time of an electronic money supplying operation can be improved, and the excessive payment of electronic money due to an input error can be prevented, and an electronic money card to be used for this device. SOLUTION: This device is provided with an electronic money card insertion port 122, means 117-118 for setting an individual limit sum (individual limit sum storing part 135) in an electronic money card 130 inserted into the insertion port 122, and supply instructing means 119 for instructing the supply of electronic money. The electronic money can be supplied from an account to the electronic money card 130 until the individual limit sum is obtained, or sum beyond the individual limit sum can be additionally supplied based on the supply instruction from the supply instructing means 119. Moreover, when the electronic money in the sum beyond the individual limit sum are stored (in a held balance storing part 136) in the electronic money card 130, the excessive sum is automatically deposed in the account.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money handling apparatus and an electronic money recording medium used in an electronic money system for exchanging electronic money. The present invention relates to an electronic money handling device and an electronic money recording medium capable of preventing overpayment due to an input error.

[0002]

2. Description of the Related Art In recent years, practical use of an electronic money system for performing settlement using electronic money representing cash as electronic information has been promoted. In this electronic money system, information equivalent to cash is recorded on an electronic money recording medium (hereinafter, referred to as an electronic money card) which is a recording medium such as an IC card, and the electronic money having an IC card read / write function such as an electronic wallet. A method of reading and writing information corresponding to cash in an electronic money card using a handling device and performing settlement at the time of product purchase or the like has been studied.

[0003] For example, when a product is purchased, the cash information in the electronic money card is accessed by the electronic money handling device, and the cash information corresponding to the price of the product is obtained from the purchaser's electronic money card. Move to an electronic money card or the like to pay. If the balance of the electronic money card becomes low, use an electronic money handling device such as an electronic money compatible ATM, an electronic money compatible telephone, etc.
Access your bank's personal account and replenish electronic money. In addition, at this stage, it is necessary to suppress holding a large amount of electronic money in the electronic money card from the viewpoint of reliability and the like, and when replenishing electronic money, a certain limit set for each country (hereinafter, referred to as Technology for operating within the official limit is used. In addition, a technique for distinguishing the individual limit at the owner level of the electronic money card is already known.

[0004]

In the above-mentioned conventional electronic money system, studies are made on the operation at the official limit set for each country and the distinction of the individual limit at the owner level of the electronic money card. Although implemented, there has been no means for each individual to set a personal limit on the electronic money card. For this reason, there has been a problem that it is not easy to set the amount that each individual considers as a limit or the amount frequently used as an individual limit in the electronic money card. Also, in order to replenish electronic money to the electronic money card up to the individual limit, it is necessary to perform an operation such as inputting a replenishment amount, so that it is easy to oversupply due to an error in inputting the replenishment amount. was there. SUMMARY OF THE INVENTION An object of the present invention is to solve the above-mentioned problems, to easily set a personal limit on an electronic money card, to improve operability at the time of electronic money replenishment operation, and to improve electronic money due to an input error. An object of the present invention is to provide an electronic money handling device capable of preventing overpayment and an electronic money card used for the device.

[0005]

In order to achieve the above object, an electronic money handling apparatus (110, 520) of the present invention is provided.
Are the insertion ports (122, 532) of the electronic money recording medium (electronic money card) and the electronic money recording medium (electronic money card 13) inserted into the insertion ports (122, 532).
(0,540) to set the personal limit specified by the owner (117-118, 527-528)
And replenishment instructing means (11) for instructing replenishment of electronic money.
9, 529) and the replenishment instruction by the replenishment instruction means (119, 529), the electronic money is replenished from the account provided in the financial institution to the electronic money recording medium (130, 540) until the individual limit is reached. Means to do,
A means for additionally replenishing an amount exceeding the personal limit, a means for automatically depositing the amount exceeding the personal limit into the account when the amount of electronic money exceeding the personal limit is stored in the electronic money recording medium. Is provided.

In order to achieve the above object, an electronic money recording medium (electronic money card 130) of the present invention includes a personal limit storage unit (135) for storing a personal limit of electronic money designated by an owner. , Remaining storage amount storage unit (1
36), writing / reading means (control unit 131, electronic money processing program 134) for writing / reading electronic money information to / from the individual limit storage unit or the remaining balance storage unit, and reading / writing by the writing / reading unit. A communication unit (communication function unit 133) that sends electronic money information to the electronic money handling device, receives electronic money information from the electronic money handling device, and notifies the writing / reading unit of the electronic money information.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In a preferred embodiment of the present invention,
An electronic money card personal limit setting operation is provided in the same manner as a conventional method of electronically locking / unlocking an electronic money card using an electronic money handling device having an IC card read / write function. By inserting an electronic money card into the electronic money handling device and entering an arbitrary amount, a personal limit can be set.

In addition, the electronic money handling apparatus of the present invention is capable of automatically replenishing electronic money until the electronic money card reaches a personal limit set when replenishing electronic money. . According to the present invention, when replenishing electronic money of an individual limit, an electronic money card is inserted into an electronic money handling device such as an electronic money compatible ATM or an electronic money compatible telephone, and the replenishment amount is not directly input.
For example, by simply pressing the limit replenishment button and the confirmation button for confirming the limit, the personal limit preset on the electronic money card is read out, and the account registered in the host is automatically read from the account registered until the personal limit is reached. The replenishment process is performed.

Further, the present invention makes it possible to replenish an electronic money card with an arbitrary amount in addition to the personal limit set for the electronic money card. In the present invention, when replenishing electronic money, an electronic money card is inserted into an electronic money handling device such as an electronic money compatible ATM or an electronic money compatible telephone, and, for example, a limit replenishment button and an amount to be replenished are input. By pressing a confirmation button for confirming the information, the personal limit set in advance on the electronic money card is read out, and the set personal limit and the necessary amount of electronic money to be added are supplemented. . Further, when the electronic money exceeding the personal limit is stored in the electronic money recording medium, it is possible to automatically deposit the surplus amount in an account.

According to the present invention, each individual (owner of the electronic money card) sets an amount considered to be a limit or an amount frequently used (individual limit amount) in the electronic money card, so that an electronic money replenishment operation can be performed. Operability can be improved.In addition, since the personal limit amount is set in advance, there is no need to directly input the replenishment amount at the time of electronic money replenishment operation. This can be prevented.

Next, embodiments of the present invention will be described in detail with reference to the drawings. (Embodiment 1) First, as Embodiment 1 to which the present invention is applied, at the time of processing for setting an individual limit on an electronic money card or at the time of an electronic money replenishment operation, automatically until the set individual limit is reached. An electronic money system for performing a process of replenishing electronic money will be described with reference to the drawings.
FIG. 1 is a diagram showing a schematic configuration of an electronic money system to which the present invention is applied. As shown in FIG.
The host computer 100, which receives a deposit / withdrawal request from the user and transmits a storage instruction / withdrawal instruction to the electronic money handling apparatus 110, sets an individual limit on the electronic money card 130, and performs an electronic money withdrawal operation. And an electronic money card 130 that holds a personal limit and the current balance of electronic money.

The host computer 100 communicates with a CPU 101 for controlling the entire host computer 100 and an electronic money handling device 110, and an electronic money card 130
For loading a program for sending an instruction to the memory 102
And a magnetic disk device 103 for storing the program
A keyboard 104 for inputting an operation instruction when it is necessary to input a recovery procedure or the like when an abnormality occurs, a display device 105 for displaying a processing request from the electronic money handling device 110, a processing result of the program, and the like. And a communication device 106 for communicating with a user and the electronic money handling device 110. The memory 102 stores an accounting business processing program 107. The account business processing program 107 inputs a deposit / withdrawal request from a user,
This is a processing program for updating host ledger data and instructing the electronic money handling apparatus 110 to issue a storage instruction / payout instruction.

In the host computer 100 of this embodiment, the accounting business processing program 107 is recorded on a storage medium such as a floppy disk, and is temporarily stored in the magnetic disk device 103 and then loaded into the memory 102 and executed. Shall be. It goes without saying that this program may be stored in a medium other than the floppy disk.

The electronic money handling device 110 includes a CPU 111 for controlling the operation of the entire electronic money handling device 110,
A personal limit is set, electronic money is exchanged with the electronic money card 130, and the host computer 10
Memory 112 for loading a program for communicating with
A magnetic disk drive 113 for storing the program and processing data; and a keyboard 114 for inputting operation instructions.
A display device 115 for displaying a processing result when an individual limit is set, and a host computer 100.
And a communication device 116 for communicating with the electronic money card 130.

The keyboard 114 has a number button 117 for inputting an amount, a setting button 118 for setting an individual limit, and a limit replenishment button 119 for automatically replenishing electronic money until the amount reaches the individual limit. And a confirmation button 120 for confirming the operation performed when replenishing electronic money.

The electronic money processing program 121 is stored in the memory 112. The electronic money processing program 121 is a program for performing electronic money processing with the electronic money card 130, determining the processing result of the electronic money card 130, and displaying an error message on the display device 115, It is recorded on a storage medium such as a floppy disk or the like, and once stored in the magnetic disk device 113, is loaded into the memory 112 and executed. It goes without saying that the program may be stored on a medium other than the floppy disk.

The electronic money card 130 controls the entire operation of the electronic money card 130, and sets an individual limit and adds / subtracts the remaining amount of money. A memory 132 for loading a program for exchanging money, and a communication function unit 13 for communicating with the electronic money handling apparatus 110
3 is provided.

The memory 132 has a personal limit storage unit 13.
5, a remaining amount storage unit 136, an official limit storage unit 137 for storing a fixed official limit set in each country, and an electronic money processing program 134. The electronic money processing program 134 is read out and executed by the control unit 541 to perform electronic money processing with the electronic money handling apparatus 110 described above or to hold a set personal limit. The individual limit storage unit 135 to access the remaining balance storage unit 136, which is the current balance data of electronic money, reads and writes each data, and stores a fixed official limit set in each country. This is a processing program for reading the official limit from the official limit storage unit 137, checking the personal limit, and checking the amount to be paid out when replenishing electronic money. Electronic money card 13 of this example
0, the electronic money processing program 134 shows an example in which the electronic money processing program 134 is recorded on a storage medium such as the memory 132.
It may be stored in a medium other than the memory 132.

FIG. 2 shows an electronic money card 1 according to this embodiment.
It is a flowchart which shows the processing procedure which sets an individual limit to 30. As shown in the drawing, when the electronic money handling apparatus 110 of the present embodiment determines in step 200 that the amount has been input from the number buttons 117 and that the setting button 118 has been pressed, the processing proceeds to step 201.

In step 201, the electronic money card 1
The “official limit” determined in each country is read from the official limit storage unit 137 of the 30 units, and in step 202, it is determined whether or not the amount input from the numeric button 117 is within the range of the “official limit”. If the input amount is higher, the process proceeds to step 203, where an error message such as "input amount over" is displayed on the display device 115 of the electronic money handling device 110, and the user is prompted to re-enter. If the input amount is within the range of the “official limit”, the input amount is set as the “individual limit” in step 204 and the electronic money card 1 is set in step 205.
30 personal limit storage units 135 are set.

FIG. 3 shows an electronic money card 1 of the present embodiment.
It is a flowchart which shows the processing procedure which replenishes automatically to the personal limit set to 30. As shown in the figure, the electronic money handling apparatus 110 according to the present embodiment
When it is determined that the limit replenishment button 119 and the confirmation button 120 have been pressed, the process proceeds to step 301. In step 301, the “personal limit” is read from the personal limit storage unit 135 of the electronic money card 130,
Further, in step 302, the “remaining amount of money” is read from the remaining amount of money storage unit 136. Next, step 3
In step 03, the “payout amount” is calculated using the “individual limit amount” and the “remaining balance amount” read out in steps 301 and 302 (“payout amount” = “individual limit amount” − “remaining balance amount”). ). In step 304, the following check is performed based on the calculated “payout amount”. If the calculated “payout amount” is equal to or more than 0 yen, that is, if the “individual limit amount” is equal to or more than the “remaining holding amount”, step 3
Go to 05.

In step 305, the "payout amount" is transmitted to the host computer 100, and in step 306, an answer from the host computer 100 is waited. Step 3
At 07, the “remaining amount of money” is added and updated based on the amount of money specified by the host computer 100 (“remaining amount of money” =
“Remaining amount of money” − “Amount of host instruction”), step 30
8, the remaining money amount storage unit 136 of the electronic money card 130
And a series of processing ends. If the calculated “payout amount” is less than 0 yen, that is, if the “individual limit amount” is less than the “remaining amount”, the process proceeds to step 309. Step 3
In step 09, an error message such as "excess of the remaining amount of money" is displayed on the display device 115 of the electronic money handling apparatus 110, and the automatic replenishment of the electronic money is not performed.

FIG. 4 shows an electronic money card 1 according to this embodiment.
Automatic replenishment up to the personal limit set at 30,
It is a flowchart which shows the processing procedure of the function which supplements electronic money additionally. As shown in the figure, when the electronic money handling apparatus 110 of the present embodiment determines in step 400 that the limit amount replenishment button 119 and the arbitrary amount input and confirmation button 120 are pressed with the number buttons 117, Proceed to step 401. In step 401, the “individual limit” is read from the individual limit storage unit 135 of the electronic money card 130, and in step 402, the “remaining balance” is read from the remaining balance storage unit 136, and further in step 403. In the official limit storage unit 13
7 to read the “official limit”.

Next, in step 404, step 40
The “payout amount” is calculated using the “individual limit amount” and the “remaining holding amount” read out in step 1 and step 402. In step 405, the following check is performed based on the calculated “payout amount”. If the calculated “payout amount” is 0 yen or more, that is, the “individual limit” is “remaining balance”
In the above case, the process proceeds to step 406. In step 406, the optional amount added to the "payout amount" is added and updated to obtain the final payout amount. Step 4
When the “payout amount” calculated in the check at 05 is less than 0 yen, that is, when the “individual limit amount” is less than the “remaining amount”, the process proceeds to step 407. In step 407, the electronic money card 130 already contains electronic money equal to or larger than the personal limit, so that the “payout amount” is set to only the arbitrary amount of the input additional amount.

At step 408, it is determined whether or not the "payout amount" calculated as described above is within the "official limit" set in each country. If the "payout amount" is within the range of "official limit", the process proceeds to step 409,
The "payout amount" is transmitted to the host computer 100,
At step 410, a response from the host computer 100 is waited. In step 411, the host computer 100
The remaining money amount is added and updated with the designated money amount from, and in step 412, the remaining money amount is written in the remaining money amount storage unit 136 of the electronic money card 130, and a series of processing ends. Also, in the check of step 408, “payout amount”
Is higher than the "official limit", the process proceeds to step 413.

In step 413, an error message such as "input amount exceeded" is displayed on the display device 115 of the electronic money handling apparatus 110, and automatic replenishment of electronic money is not performed. As described above, the personal money limit can be set on the electronic money card 130 of the electronic money system of the present embodiment by using the electronic money handling device 110 such as an electronic wallet, without inputting the replenishment amount. The electronic money card 130 can be replenished to the electronic money card 130 with a simple operation up to a preset limit.

For example, when the holder of the electronic money card 130 feels that the amount of electronic money is low, and if the purpose of use has not been determined, for example, “the amount of money that would be all right” or “I want to have more” It is often the case to replenish up to "the amount that does not exist." By setting such an amount as the “individual limit amount” in the electronic money card 130 in advance, when the electronic money is replenished, the electronic money handling device 110 such as an electronic money compatible ATM, an electronic money compatible telephone, etc. Inserting the card 130 and pressing the limit replenishment button 119 provided on the electronic money handling apparatus 110 and the confirmation button 120 after confirming that the amount is correct, replenishing electronic money up to the personal limit. Is possible.

Further, in the electronic money system according to the present embodiment, not only is the replenishment up to the preset personal limit as described above, but also if a certain amount or more of electronic money is temporarily needed. By adding the required amount of money, it is possible to replenish the electronic money card 130 with electronic money that is equal to or greater than the preset “personal limit”. In addition, when electronic money is exchanged between individuals, if the preset “individual limit amount” is exceeded, the excess amount can be transmitted to the host computer 100 to automatically deposit the money.

For example, when replenishing electronic money to the electronic money card 130 due to uncertain income, the electronic money card 1
Read the "individual limit" and "remaining balance" from 30,
The amount to be replenished this time is added to the “remaining amount of money”. If the amount exceeds the "individual limit", the amount of the excess is displayed on the display device 115 of the electronic money handling device 110, and the operator is allowed to determine whether or not the host computer 100 can automatically deposit the money. In the case of automatic deposit, the electronic money corresponding to the amount exceeding the “individual limit amount” is transmitted to the host computer 100, and the “remaining remaining amount” of the electronic money card 130 is updated with the difference amount of the electronic money. . If the automatic deposit is not performed, the replenishment process may be stopped, or the entire amount may be
It may be refilled to zero. As described above, when the “remaining amount of money” exceeds the “individual limit amount”, the operator may be allowed to make an interactive determination, but a special button is provided on the electronic money handling device. When this button is pressed, if the remaining amount of money exceeds the personal limit, it is possible to automatically deposit the surplus amount into the account. The setting of the personal limit on the electronic money card 130 can be set any number of times according to the procedure shown in FIG.

In addition, regardless of the individual limit amount described above, the replenishment amount is input and the electronic money card 1
Naturally, 30 money can be replenished. As before, the history of each transaction is stored in the electronic money card 130.
And can be referenced as needed.
As described above, the amount that each individual wants to keep on the electronic money card at all times, for example, “the amount that is OK if there is only this” or “the amount that I do not want to hold any more” is set as the “individual limit amount” in advance. By setting, the operability of the replenishment operation can be improved. Further, since it is not necessary to input the replenishment amount each time, it is possible to prevent the electronic money from being excessively paid out due to a mistake in the input of the replenishment amount.

(Embodiment 2) In Embodiment 1 described above, an individual limit is held in an electronic money card, but in Embodiment 2 described below, an individual limit is held in a host computer. It is something to do.

FIG. 5 is a diagram showing a schematic configuration of the electronic money system in the present embodiment. As shown in FIG.
An electronic money system according to the present embodiment includes a host computer 500 that holds a set personal limit and receives a deposit / withdrawal request from a user and transmits a storage instruction / withdrawal instruction to the electronic money handling apparatus 520, and a host computer. An electronic money handling device 520 for setting a personal limit amount to 500 and performing an electronic money payout operation, and an electronic money card 540 holding the current amount of electronic money remaining.

(Host Computer 500) The host computer 500 controls a CPU 501 that controls the entire host computer 500, a memory 502 that communicates with the electronic money handling device 520 and loads a program for transmitting an instruction to the electronic money card 540, A magnetic disk device 503 for storing a program, a keyboard 504 for inputting an operation instruction when it is necessary to input a recovery procedure when an abnormality occurs, a processing request from the electronic money handling device 520, a processing result of the program, and the like. Display 505 for displaying the user and the electronic money handling device 52
And a communication device 506 for performing communication with the communication device 0.

The memory 502 includes an accounting business processing program 507, an official limit storage unit 508, and a personal information storage unit 509. Account business processing program 507
Is a program that inputs a deposit / withdrawal request from a user, updates host ledger data, and instructs the electronic money handling device 520 to issue a storage instruction / dispensing instruction. The official limit storage unit 508 stores a fixed official limit set in each country. The personal information storage unit 509 is a storage unit for personal information. The account number storage unit 510 stores account numbers. It has a card ID storage unit 511 for storing a card ID assigned to each card, an account balance storage unit 512 for storing an account balance, and a personal limit storage unit 513 for storing a set personal limit.

(Electronic Money Handling Apparatus 520) The electronic money handling apparatus 520 controls the operation of the entire electronic money handling apparatus 520, and sets an “individual limit”, and communicates electronically with the electronic money card 540. A memory 522 for loading a program for exchanging money and communicating with the host computer 500, a magnetic disk device 523 for storing the program and processing data, a keyboard 524 for inputting operation instructions, and a "personal limit"
And a communication device 526 for communicating with the host computer 500 and the electronic money card 540.

The keyboard 524 is provided with a number button 527 for inputting an amount, a limit setting button 528 for setting an individual limit, and automatically replenishing electronic money until the set "individual limit" is reached. A limit amount replenishment button 529 to be used and a confirmation button 530 for confirming an operation performed when replenishing electronic money are provided. The electronic money processing program 531 includes the electronic money card 54
This is a processing program for performing an electronic money process with 0, determining a processing result of the host computer 500 or the electronic money card 540, and displaying an error message on the display device 525.

(Electronic Money Card 540) The electronic money card 540 is connected to a control unit 541 for controlling the entire operation of the electronic money card 540, and performs addition and subtraction of the remaining amount of money, and communication between the electronic money card 540 and the electronic money handling device 520. And a communication function unit 543 for performing communication with the electronic money handling device 520.

The memory 542 has an account number / card ID storage unit 545, a remaining balance storage unit 546, and an electronic money processing program 544. The electronic money processing program 544 corresponds to the electronic money handling device 52 described above.
0, an electronic money process, an account number corresponding to a card, and an account number for storing a card ID for each card assigned to identify the electronic money card 540.
This is a processing program for accessing the card ID storage unit 545 and the remaining balance amount storage unit 546 which is current electronic money balance data, and reading and writing each data.

FIG. 6 is a flowchart showing a processing procedure of the electronic money handling apparatus 520 when setting the personal limit in the host computer 500 of this embodiment. As shown in the figure, the electronic money handling device 520 of this embodiment
Determines in step 600 that the numeric button 527 and the limit amount setting button 528 have been pressed, proceeds to the next step 601. In step 601, the electronic money card 540 is specified to identify the electronic money card 540.
The account number and the card ID are read out from the account number / card ID storage unit 545 of the user, and in the next step 602, the account number and the card ID read out in the step 601 together with the “input amount” input from the number buttons 527 in the step 600 Is transmitted to the host computer 500, and in step 603, the process waits for reception of the processing result.

Upon receiving the answer from the host computer 500, in the next step 604, the "input amount"
Check whether the check result is OK or NG. If the check result of the “input amount” is OK (see step 712 in FIG. 7 described later), in the next step 605, a message such as “individual limit amount registration OK” is displayed on the display device 525 of the electronic money handling device 520. Is displayed, and a series of processing ends. If the check result in the host computer 500 is NG in step 604,
At step 606, an error message (in the example of FIG. 7 described later, "mismatch of account number", "mismatch of card ID", "exceeding input amount") is displayed on the display device 525 of the electronic money handling device 520.

FIG. 7 is a flowchart showing a processing procedure of the host computer 500 when setting the “individual limit” in the host computer 500 of the present embodiment. As shown in FIG.
In step 700, if it is determined in step 700 that the processing request for “individual limit setting” has been received from the electronic money handling apparatus 520, the process proceeds to the next step 701. Step 701
In step 702, a check NG is set to the check result, and in the next step 702, the account number storage unit 51 of the personal information storage unit 509 based on the account number received from the electronic money handling device 520.
0 is searched, and it is determined in step 703 whether a matching account number exists. If the result of determination in step 703 is that there is a matching account number, step 704
If no matching account number exists, the process proceeds to step 705 to set an error message such as "account number mismatch".

In step 704, the received card ID
The card ID storage unit 511 of the personal information storage unit 509 based on the
And it is determined in step 706 whether a matching card ID exists. If the result of determination in step 706 is that there is a matching card ID, step 70
In step 708, if there is no matching card ID, the flow advances to step 708 to set an error message such as "card ID mismatch".

In step 707, the "official limit" determined in each country is read from the official limit storage unit 508, and in step 709, the electronic money handling device 520 is read.
It is determined whether the “reception input amount” received from the above is within the range of the “official limit amount”. If the result of determination in step 709 is that the "received input amount" received is higher than the "official limit amount", the flow advances to step 713 to set an error message such as "input amount over".

If the received "input amount" is within the range of "official limit", the received "input amount" is set to "individual limit" in step 710, and step 7 is executed.
11, the personal limit storage unit 5 of the personal information storage unit 509
Set to 13. Next, in step 712, "check OK" indicating that the check has been completed normally is set. In step 714, the check result set in the above processing (in the above example, “check OK” /
"Check NG") and the contents of the message ("Account number mismatch" / "Card ID mismatch" / "Input amount over" in the above example) are transmitted to the electronic money handling apparatus 520, and a series of processing ends.

FIG. 8 is a flowchart showing a processing procedure of the electronic money handling apparatus 520 for automatically replenishing the "individual limit" set in the host computer 500 of the present embodiment. As shown in the figure, when the electronic money handling apparatus 520 of this embodiment determines in step 800 that the limit replenishment button 529 and the confirmation button 530 have been pressed, the processing proceeds to step 801. In step 801, the electronic money card 5 is identified to identify the electronic money card 540.
The “account number” and “card ID” are read from the account number / card ID storage unit 545 of Step 40, and Step 802 is executed.
Then, the “remaining amount of money” is read from the remaining amount of money storage unit 546. In the next step 803, the "account number" and the "card I"
D ”and the“ remaining amount of money ”read out in Step 802 are transmitted to the host computer 500, and Step 8
At 04, the process waits for reception of a response of the processing result from the host computer 500.

Upon receiving the response of the processing result from the host computer 500, the flow advances to step 805 to determine whether the processing result is OK or NG. If the processing result is OK, at step 806, the designated amount from the host computer 500 (“payout amount” at step 918 in FIG. 10 described later)
), The designated amount is added to and updated in the “remaining amount of money”, and the remaining amount is written in the remaining amount storage unit 546 of the electronic money card 540 in step 807. When the above processing is completed, at step 808, the electronic money handling device 5
A message such as "Electronic money replenishment completed" is displayed on the display device 525, and a series of processing is terminated.

If the result of the determination in step 805 is that the processing result from the host computer 500 is NG, in step 809 the error message instructed by the host computer 500 to the display device 525 of the electronic money handling device 520 (see FIG. 9 and FIG.
In the example of 0, "Account number mismatch" / "Card ID mismatch"
/ "Excess balance" / "insufficient account balance")
The process ends without automatic replenishment of the electronic money.

FIG. 9 (steps 900 to 912) and FIG. 10 (steps 913 to 918) show the processing procedure of the host computer 500 when automatically replenishing up to the personal limit set in the host computer 500 of this embodiment. It is a flowchart. As shown in FIG. 9, the host computer 500 of the present embodiment performs
If it is determined that a processing request for electronic money supplement of the personal limit from the electronic money handling device 520 has been received, the process proceeds to step 901. In step 901, processing NG is set in the processing result, and then the account number received from the electronic money handling apparatus 520 in step 902 (step 80 in FIG. 8).
3), the account number storage unit 510 of the personal information storage unit 509 is searched, and it is determined in step 903 whether a matching account number exists.

If the result of determination in step 903 is that there is a matching account number, the flow proceeds to step 904;
In step 05, an error message such as "account number mismatch" is set. In step 904, the card I in the personal information storage unit 509 is determined based on the card ID (see step 803 in FIG. 8) received from the electronic money handling device 520.
The D storage unit 511 is searched, and it is determined in step 906 whether a matching card ID exists. If the result of determination in step 906 is that there is a matching card ID, the flow proceeds to step 907, and if there is no matching card ID, the flow proceeds to step 908 to set an error message such as "card ID mismatch". .

Next, in step 907, the “individual limit” is stored in the personal limit storage 513 of the personal information storage 509.
Is read out, and in step 909, the “payout amount” is calculated using the individual limit amount and the remaining balance amount received from the electronic money handling device 520 (see step 803 in FIG. 8) (“payout amount” = "Individual limit"-"Remaining balance"). In the next step 910, the following check is performed based on the “payout amount” calculated in step 909. When the calculated “payout amount” is equal to or more than 0 yen, that is, when the “individual limit amount” is equal to or more than the “remaining amount”, the process proceeds to step 911. In addition, the calculated “payout amount”
Is less than 0 yen, that is, if the "individual limit" is less than the "remaining balance", an error message such as "excess of the remaining balance" is set in step 912.

In step 911, the personal information storage unit 50
9, the account balance is read from the account balance storage unit 512, and in the next step 913 (FIG. 10), the read-out “account balance” is compared with the “payout amount” calculated in step 909. "Account balance" is "Payout amount"
In the above case, the "payout amount" is subtracted from the "account balance" in step 914, and the "account balance" obtained by the subtraction is written in the account balance storage unit 512 in step 915. Next, at step 916, "processing OK" indicating that the processing has been completed normally is set.

Also, as a result of the magnitude comparison in step 913,
If "payout amount" is higher than "account balance"
At step 917, an error message such as "insufficient account balance" is set. Thereafter, in step 918, the processing results ("OK" / "NG" in the above example) and the contents of the message ("Account number mismatch" / "Card ID mismatch" in the above processing) / "Excess holding amount" / "insufficient account balance") and the calculated payout amount are stored in the electronic money handling device 520.
To end the series of processing.

FIG. 11 shows the processing of the electronic money handling apparatus 520 when the function of automatically replenishing electronic money up to the “individual limit” set in the host computer 500 according to the present embodiment is added. It is a flowchart which shows a procedure. This processing is executed by pressing the limit replenishment button 529, inputting an arbitrary amount by the number buttons 527, and pressing the confirmation button 530.

As shown in the figure, in the electronic money handling apparatus 520 of this embodiment, in step 1000, the limit replenishment button 529 is pressed, and an optional additional amount is input by the number buttons 527, and furthermore, Confirm button 530
If it is determined that is pressed, the process proceeds to step 1001. In step 1001, the “account number” and “card ID” are read from the account number / card ID storage unit 545 of the electronic money card 540 in order to identify the electronic money card 540. In the next step 1002, the remaining money amount storage unit From 546, the “remaining amount of money” is read. Next, in step 1003, together with the "account number" and "card ID" read out in step 1001, and the "remaining amount of money" read out in step 1002, an additional amount ("input amount") input from the number buttons 527.
Is transmitted to the host computer 500, and then step 1 is executed.
At 004, the process waits for a response of the processing result from the host computer 500.

When the response of the processing result is received from the host computer 500, the process proceeds to step 1005, and it is determined whether the response of the processing result is OK or NG. If the answer to the processing result is OK (see Steps 1120 and 1122 in FIG. 13 to be described later), in Step 1006, the designated amount from the host computer 500 (Step 112)
The remaining balance is added and updated according to the “payout amount” transmitted in step 2 (“remaining balance” = “remaining balance”).
The “instruction amount” from the host), and the added and updated remaining amount is written in the remaining amount storage unit 546 of the electronic money card 540 in step 1007. When the above processing is completed, in step 1008, for example, a message such as “electronic money replenishment completion” is displayed on the display device 525 of the electronic money handling device 520, and a series of processing ends.

If it is determined in step 1005 that the processing result of the host computer 500 is NG, step 100
9, the display device 5 of the electronic money handling device 520
At 25, an error message (“account number mismatch” / “card ID mismatch” / “input amount excess” / “account balance shortage” in the examples of FIGS. 12 and 13 to be described later) is displayed. The process ends without replenishing the electronic money.

FIG. 12 (steps 1100 to 1113) and FIG. 13 (steps 1114 to 1122) show a function of automatically replenishing up to the personal limit set in the host computer 500 according to the present embodiment, and additionally replenishing electronic money. 5 is a flowchart showing a processing procedure of a host computer 500 having functions. As shown in FIG. 12, the host computer 500 according to the present embodiment, in step 1100,
If it is determined that the “individual limit amount” and the request for replenishing electronic money of the additional amount have been received from the electronic money handling device 520, the process proceeds to step 1101. In step 1101, "processing NG" is set as the processing result, and the account number storage unit 510 of the personal information storage unit 509 is searched based on the "account number" received from the electronic money handling device 520 in step 1102, In step 1103, it is determined whether or not a matching account number exists in the account number storage unit 510.

If the result of determination in step 1103 is that there is a matching account number, the flow proceeds to step 1104, and if there is no matching account number, then step 11 is performed.
Proceeding to 05, an error message such as "Account number mismatch" is set. In step 1104, the card ID storage unit 511 of the personal information storage unit 509 is searched based on the received “card ID”, and in step 1106, it is determined whether a matching card ID exists in the card ID storage unit 511. If the result of determination in step 1106 is that there is a matching card ID, the flow proceeds to step 1107, and if there is no matching card ID, step 1108.
To set an error message such as "card ID mismatch".

Next, in step 1107, the “personal limit” is read from the personal limit storage unit 513 of the personal information storage unit 509, and in step 1109, the “official limit” is read from the official limit storage unit 508. Perform reading. In step 1110, the “payout amount” is calculated using the “individual limit amount” and the received “remaining remaining amount”.
In step 1111, the following check is performed based on the calculated “payout amount”.

When the calculated “payout amount” is equal to or more than 0 yen, ie, the “individual limit amount” is equal to the received “remaining holding amount”.
In the above case, the process proceeds to step 1112. If the calculated “payout amount” is less than 0 yen, that is, if the “individual limit amount” is less than the “remaining amount”, step 11
In 13, the electronic money card 540 already contains electronic money equal to or more than the personal limit, so the “payout amount” is set to only the additional amount received from the electronic money handling device 520. In step 1112, the additional amount received from the electronic money handling device 520 is added and updated to the "payout amount" to obtain the final "payout amount"("payoutamount" = "payout amount" + "reception input"). Amount of money").

In step 1114 (FIG. 13), it is determined whether the “payout amount” calculated up to the above is within the “official limit” defined in each country. If so, the process proceeds to step 1115, and if the "payout amount" is higher than the "official limit", the process proceeds to step 1116 to set an error message such as "input amount over". In step 1115, “account balance” is read from the account balance storage unit 512 of the personal information storage unit 509, and in step 1117,
A comparison is made between the read “account balance” and the “payout amount” calculated in step 1112 or 1113.

If the "account balance" is equal to or larger than the "payout amount" as a result of the magnitude comparison in step 1117, step 11
At 18, subtract the amount paid out from the account balance ("Account Balance").
= “Account balance” − “payout amount”), step 1119
Is written to the account balance storage unit 512. Next, in step 1120, "processing OK" indicating that the processing has been completed normally is set as the processing result. Step 11
If the result of the comparison in step 13 is that the "payout amount" is higher than the "account balance", an error message such as "insufficient account balance" is set in step 1121. At step 1122, the processing result set up above is
The message and the calculated “payout amount” are transmitted to the electronic money handling device 520, and a series of processing ends.

As described above, the host computer 500 of the electronic money system according to the present embodiment can set the personal limit using the electronic money handling device 520 such as an electronic wallet, and can input the replenishment amount. Instead, it is possible to replenish the electronic money card 540 with electronic money for a preset limit by a simple operation.

Further, since a “card ID” is assigned to each electronic money card 540 and the card ID is stored in the host computer 500 for each account number, a different personal limit can be set for each electronic money card 540. It can be carried out. Therefore, it becomes possible to access the same account number with a plurality of electronic money cards. For example, if the husband and wife have separate electronic money cards, the personal limit of the electronic money card possessed by the husband is How much can you set different personal limits for your wife's electronic money card? As explained above, the amount that each individual wants to keep on the electronic money card at all times,
For example, by setting "the amount of money that it is all right" or "the amount of money that I do not want to have any more" as the "individual limit amount" in advance, it is expected that the operability of the replenishment operation is improved. Further, since it is not necessary to input the replenishment amount each time, it is possible to prevent the electronic money from being excessively paid out due to a mistake in the input of the replenishment amount.

In the above embodiment, the “personal limit” is set and the electronic money is automatically replenished up to the set “personal limit”. However, only the “official limit” is set and the “personal limit” is set. When the "amount" is not set, a modification in which electronic money is automatically replenished up to the "official limit" instead of the "individual limit" is also possible.

[0066]

According to the present invention, it is possible to improve the operability at the time of the electronic money replenishment operation by setting the amount considered to be the limit by each individual or the amount frequently used. . Further, if the amount is a preset amount, it is not necessary to input the replenishment amount at the time of the electronic money replenishment operation, so that it is possible to prevent the overpayment of the electronic money due to an input error.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a schematic configuration of an electronic money system according to a first embodiment of the present invention.

FIG. 2 is a flowchart illustrating a processing procedure for setting a personal limit on the electronic money card according to the first embodiment.

FIG. 3 is a flowchart showing a processing procedure for automatically replenishing electronic money to an electronic money card according to the first embodiment until a personal limit is reached.

FIG. 4 is a flowchart showing a processing procedure for replenishing an electronic money card of the first embodiment with an arbitrary amount of electronic money in addition to the personal limit.

FIG. 5 is a diagram illustrating a schematic configuration of an electronic money system according to a second embodiment.

FIG. 6 is a flowchart showing a processing procedure of an electronic money handling apparatus for setting a personal limit on an electronic money card according to a second embodiment.

FIG. 7 is a flowchart illustrating a processing procedure of a host computer for setting a personal limit on an electronic money card according to a second embodiment.

FIG. 8 is a flowchart illustrating a processing procedure of an electronic money handling apparatus that automatically replenishes electronic money to an electronic money card according to a second embodiment until a personal limit is reached.

FIG. 9 is a flowchart showing a processing procedure of a host computer for automatically replenishing electronic money to the electronic money card of the second embodiment until the personal limit is reached (part 1).

FIG. 10 is a flowchart showing a processing procedure of a host computer for automatically replenishing electronic money to the electronic money card according to the second embodiment until the personal limit is reached (part 2).

FIG. 11 is a flowchart illustrating a processing procedure of an electronic money handling device that replenishes an electronic money card with an arbitrary amount of electronic money in addition to a personal limit amount according to the second embodiment.

FIG. 12 is a flowchart showing a processing procedure of a host computer for supplementing an electronic money card of the second embodiment with an arbitrary amount of electronic money in addition to a personal limit (part 1).

FIG. 13 is a flowchart showing a processing procedure of a host computer for adding an arbitrary amount of electronic money to the electronic money card of the second embodiment in addition to the personal limit (part 2).

[Explanation of symbols]

100: host computer, 101: CPU, 10
2: memory, 103: magnetic disk device, 104: keyboard, 105: display device, 106: communication device, 107: accounting business processing program, 110: electronic money handling device, 111: CPU, 112: memory, 11
3: magnetic disk device, 114: keyboard, 115:
Display device, 116: communication device, 117: numeric button, 118: limit setting button, 119: limit supplement button, 120: confirmation button, 121: electronic money processing program, 130: electronic money card, 131: control unit, 132: memory, 133: communication function unit, 134: electronic money processing program, 135: individual limit storage unit,
136: storage of remaining amount of money, 137: storage of official limit, 500: host computer, 501: CPU, 5
02: memory, 503: magnetic disk device, 504: keyboard, 505: display device, 506: communication device, 507: accounting business processing program, 508: official limit storage unit, 509: personal information storage unit, 510: account number Storage unit, 511: Card ID storage unit, 512: Account balance storage unit, 513: Personal limit storage unit, 520: Electronic money handling device, 521: CPU, 522: Memory, 52
3: Magnetic disk device, 524: Keyboard, 525:
Display device, 526: communication device, 527: number button, 528: limit amount setting button, 529: limit amount replenishment button, 530: confirmation button, 531: electronic money processing program, 540: electronic money card, 541: control unit, 542: memory, 543: communication function unit, 544: electronic money processing program, 545: account number / card I
D storage unit, 546: remaining storage amount storage unit.

Claims (4)

[Claims] 1. An electronic money handling device for handling electronic money, comprising: an insertion slot into which an electronic money recording medium is inserted; and a personal limit designated by an owner of the electronic money recording medium inserted into the insertion slot. Means for setting electronic money, replenishment instruction means for instructing replenishment of electronic money, and electronic money from an account provided at a financial institution to an electronic money recording medium on the electronic money recording medium based on the replenishment instruction by the replenishment instruction means. Means for replenishing the electronic money, and an electronic money handling device comprising: 2. The electronic money handling apparatus according to claim 1, further comprising means for additionally replenishing an amount exceeding the personal limit. 3. The electronic money handling device according to claim 1, wherein the electronic money recording medium stores an amount of electronic money exceeding the personal limit.
An electronic money handling device further comprising means for depositing the surplus amount in the account. 4. An individual limit storage unit for storing an individual limit of electronic money designated by an owner, a remaining balance storage unit, and the individual limit storage unit or the remaining balance storage unit. Writing and reading means for writing and reading electronic money information; sending the electronic money information read by the writing and reading means to the electronic money handling device; and receiving and reading the electronic money information from the electronic money handling device. Communication means for notifying the means.