JPWO2020261579A1 - Information processing equipment, information processing methods, programs - Google Patents

Abstract

It enables easy value transfer between the first and second IC chips having different file structures. Therefore, communication is performed with the first IC chip managed by the first file structure, and the first value stored in the first IC chip is read. Then, the second value converted so as to be stored in the second IC chip that manages the value in the second file structure different from the first file structure is managed. This second value is written by communicating with the second IC chip.

Description

The present invention relates to an information processing device and an information processing method, and particularly to an information processing technique for performing processing suitable for the use of electronic money.

As electronic money cards, for example, those in which an IC chip is embedded in a plastic card (also referred to as a "board card" in the description) and electronic money media such as a mobile terminal having a built-in IC chip are known.
An IC chip that makes a board card or a mobile terminal function as an electronic money medium communicates with a predetermined reader / writer device according to a short-range wireless communication standard such as NFC (Near Field Communication), and also has an internal storage unit. On the other hand, it is a chip that stores value, which is currency value information as electronic money.
By communicating between the reader / writer device and the IC chip built into the electronic money medium, it is possible to perform updates that add value (so-called charge, etc.) and updates that subtract value (payment by using value, etc.). can.

The following Patent Document 1 discloses a technique relating to value transfer between IC cards having an electronic money function.

Japanese Unexamined Patent Publication No. 2014-216459

By the way, as electronic money systems, those that adopt various communication methods and file structures have been put into practical use, and the types that are widely used differ depending on the country or region.
To give a specific example, even if the same NFC communication is performed, there are those that adopt the FeliCa (registered trademark) card format as the format in the IC chip and those that use the ISO7816 card format. When using the FeliCa (registered trademark) card format, the NFC communication part uses what is called "TypeF", and when adopting the ISO7816 card format, the NFC communication part is called "TypeA" or "TypeB". I am using things.

Currently, if the business or currency that handles e-commerce cards is different, there is a possibility that the e-commerce card you own cannot be used. This is due to the fact that the electronic commerce card that can be used is determined for each member store of each business, and that the format of the electronic commerce card is different. For this reason, for the user, for example, the value charged in the electronic money medium used in the home country may not be used in the visited country.
Even if you own an e-commerce card that you use in your own country and an e-commerce card that is popular in the country you visit, the e-commerce card that you use in your own country will spread separately in the country you visit. You must charge and use your e-commerce card.
In such a case, the value of the visited electronic commerce card may not be usable after returning to Japan.

Therefore, in order to eliminate these inconveniences, it is an object of the present invention to make it possible to easily execute value transfer between different types of electronic money media and to improve the convenience of electronic money.

The information processing device according to the present invention includes a first communication unit that communicates with a first IC chip that manages a value, which is currency value information used in an electronic money system, with a first file structure, and the above-mentioned information processing unit. The first communication unit communicates with a second IC chip that manages a value in a second file structure different from the first file structure, and the first communication unit is used. A reading processing unit that reads the first value stored in the IC chip and a conversion value management unit that manages the second value converted so that the first value is stored in the second IC chip. And a writing processing unit that writes the second value to the second IC chip via the second communication unit.
That is, it is possible to read a value from one of electronic money media (for example, an electronic money card or a terminal device) in which different file structures are adopted and transfer it to the other.

The second value managed by the conversion value management unit in the information processing apparatus is converted using the latest conversion rate information acquired when the first value is converted into the second value. It is conceivable that it was done.
For example, the country or region where the electronic money system using the first and second IC chips is used, or the conversion market price in the electronic money system using the first and second IC chips is referred to.

In the above-mentioned information processing apparatus, the conversion rate information may be exchange rate information or conversion rate market information between electronic money systems.
Value conversion is performed based on the exchange rate according to the country or region where the electronic money system using the first and second IC chips is used. Further, the value is converted based on the conversion rate market information according to the type of the electronic money system by the first and second IC chips.

In the above-mentioned information processing device, the second value managed by the conversion value management unit is electronic money including the first IC chip when the first value is converted into the second value. It is conceivable that the information was converted after the identity verification process was performed on the holder who used the medium.
Here, the electronic money medium refers to a card medium having a built-in IC chip, a mobile terminal having a built-in IC chip, and the like used when using electronic money. The owner of the electronic commerce payment system is the so-called legitimate owner.

In the above-mentioned information processing device, the conversion value management unit acquires the second value by transmitting the first value to the external server and receiving the second value converted by the external server. Can be considered.
That is, the information processing device transmits the first value read by the first communication unit to the external server, and requests the external server to perform conversion processing to the second value.

In the information processing device described above, it is conceivable that the conversion value management unit performs a conversion process for converting the first value into the second value.
That is, the information processing device converts the first value read by the first communication unit into the second value by internal processing.

In the above-mentioned information processing device, the reading processing unit uses the first communication unit to specify an amount within the range of the first value stored in the first IC chip. It is conceivable that the conversion value management unit reads the value data corresponding to the above amount and acquires the converted second value in order to store the value data corresponding to the amount in the second IC chip.
That is, not only the total amount of the first IC chip but also the value corresponding to the amount specified by the user can be transferred.

The information processing method of the present invention comprises a first IC chip that manages a value, which is currency value information used in an electronic money system, in a first file structure, and a first file structure in which the value is different from the first file structure. This is an information processing method performed by the information processing apparatus for the second IC chip managed by the file structure of 2. Then, a reading step of communicating with the first IC chip to read the first value stored in the first IC chip and storing the first value in the second IC chip. A conversion value management step of managing the converted second value for the purpose of performing the conversion, and a writing step of communicating with the second IC chip and writing the second value to the second IC chip are performed. ..
As a result, the value is read from one of the electronic commerce media that employ different file structures, and the value is transferred to the other.
The program of the present invention is a program that causes an information processing apparatus to execute a process corresponding to each of the above steps.

According to the present invention, the convenience of an electronic money system is improved by making it possible to easily execute value transfer between different types of electronic money media. That is, even if the user owns a plurality of types of electronic money media, the value can be transferred according to the circumstances, and for example, electronic money payment can be easily performed even in different countries and regions.

It is a block diagram of the system configuration of the Embodiment of this invention. It is explanatory drawing of the functional structure of the information processing apparatus of embodiment. It is a block diagram of the hardware configuration of the information processing apparatus of embodiment. It is explanatory drawing of the file structure of the different type IC chip corresponding in embodiment. It is explanatory drawing of the outline of the value transfer process of 1st Embodiment. It is a flowchart of the value transfer process of 1st Embodiment. It is a flowchart of the value transfer process of 1st Embodiment. It is explanatory drawing of the outline of the value transfer process of the 2nd Embodiment. It is a flowchart of the value transfer process of the 2nd Embodiment. It is a flowchart of the value transfer process of the 2nd Embodiment. It is explanatory drawing of the outline of the value transfer process of the 3rd Embodiment. It is a flowchart of the value transfer process of the 3rd Embodiment.

<1. System configuration>
An example of a network system that realizes the information processing system 1 of the embodiment will be described with reference to FIG.
This information processing system 1 is a system that provides an electronic money service, and here, it is assumed that the information processing system 1 has a value exchange server 3, a user terminal 4, a first electronic money server 6, and a second electronic money server 7.

It should be noted that this configuration is shown according to the first embodiment described later.
In the second embodiment, the information processing system 1 has the value exchange server 3 and the user terminal 4, and in the third embodiment, the information processing system 1 has the user terminal 4. ..

The information processing system 1 can perform short-range wireless communication such as the NFC standard with respect to the first type card 10 and the second type card 20.
The first type card 10 is an electronic money card having a built-in IC chip capable of writing and reading values by the first file structure and communication modulation method.
The second type card 20 is an electronic money card having a built-in IC chip capable of writing and reading values by a second file structure and a communication modulation method.

For example, to apply a specific example, if the first type card 10 is called "TypeF" in the above-mentioned FeliCa (registered trademark) card format, the second type card 20 is, for example, "TypeA" in the above-mentioned ISO7816 card format. It is conceivable that it is called.
Further, for example, if the first type card 10 is called the above-mentioned "Type A", it is conceivable that the second type card 20 is, for example, the above-mentioned "Type F".

In the description of the embodiment, the first type card 10 and the second type card 20 as board cards will be mentioned as examples of the electronic money medium, but a terminal device such as a smart phone has an electronic device having an IC chip built-in. It may be used as a money medium.

Further, in the example of FIG. 1, the user terminal 4 (for example, a smart phone) is a component of the information processing system 1, but this is not limited to the user terminal 4, but is a reader / writer device arranged in, for example, a store. You may.
In the embodiment, the user terminal 4 functions as a reader / writer device for the first type card 10 and the second type card 20, so that the user can more easily transfer the value.

The value exchange server 3, the user terminal 4, the first electronic money server 6, and the second electronic money server 7 constituting the information processing system 1 can communicate with each other by the network 2.

Various examples are assumed for the configuration of the network 2. For example, the Internet, intranet, extranet, LAN (Local Area Network), CATV (Community Antenna TeleVision) communication network, virtual private network (Virtual Private Network), telephone line network, mobile communication network, satellite communication network, etc. are assumed. NS.
Further, various examples are assumed for the transmission media constituting all or a part of the network 2. For example, IEEE (Institute of Electrical and Electronics Engineers) 1394, USB (Universal Serial Bus), power line carrier, telephone line, etc., infrared rays such as IrDA (Infrared Data Association), Bluetooth (registered trademark), 802.11 wireless , Mobile phone network, satellite line, terrestrial digital network, etc. can also be used wirelessly.

The first electronic money server 6 and the second electronic money server 7 are servers operated by, for example, an organization that provides electronic money services, and are information processing devices that perform various processes for centrally managing the electronic money service system. be.

For example, the first electronic money server 6 manages and communicates with stores participating in the electronic money service using the first type card 10, and processes for accepting, registering, and managing applications of users who use the electronic money service. , Processes to manage the distribution of value, which is balance information in electronic money, and processes for settlement corresponding to payment by each user's electronic money.

Further, the second electronic money server 7 manages and communicates with stores participating in the electronic money service using the second type card 20, and processes for accepting, registering, and managing applications of users who use the electronic money service. , Processes to manage the distribution of value, which is balance information in electronic money, and processes for settlement corresponding to payment by each user's electronic money.

The value exchange server 3 is a server that performs processing for value transfer between the first type card 10 and the second type card 20.
For example, the value exchange server 3 performs processing such as data conversion according to the difference in the file structure, communication modulation method, etc. between the first type card 10 and the second type card 20.

The user terminal 4 is, for example, a terminal device such as a smart phone owned by the user. In the case of the present embodiment, by installing the application program for value exchange on the user terminal 4, the user terminal 4 is close to the first type card 10 and the second type card 20 for value transfer. Wireless communication, network communication with the value exchange server 3, and functions for performing various necessary processes will be implemented.

The processing function described as the processing of the user terminal 4 in the embodiment may be executed by an information processing device other than the smartphone (for example, a personal computer, a tablet device, etc.), or a dedicated device such as a reader / writer device. It may be executed by.

The first type card 10 and the second type card 20 have different file structures and the like, for example, the one called "TypeF" in the above-mentioned FeliCa (registered trademark) card format and the one called "TypeA" in the ISO7816 card format. It is a card that is not directly compatible.
As an explanatory example, it is assumed that both the first type card 10 and the second type card 20 are owned by the user who owns the user terminal 4.

FIG. 2 shows the functional configuration of the information processing system 1.
The information processing system 1 includes a configuration as a calculation unit 30 and a configuration as a communication unit 40.
The communication unit 40 has a function of performing short-range radio communication to each of the first type card 10 and the second type card 20.
The first type communication unit 41 is mounted on the communication unit 40 as a communication processing function with the first type card 10 in response to differences in file structure and modulation method, and also with the second type card 20. The second type communication unit 42 is implemented as a communication processing function.

The calculation unit 30 shows a function of performing calculation processing for value transfer between the first type card 10 and the second type card 20. The calculation unit 30 includes a conversion value management unit 31, a read processing unit 32, and a write processing unit 33.

The reading processing unit 32 performs a process of reading the value stored in the first type card 10 via the first type communication unit 41.
Alternatively, the reading processing unit 32 performs a process of reading the value stored in the second type card 20 via the second type communication unit 42.
For the sake of explanation, the first type card 10 is used as the value transfer source card, and the second type card 20 is used as the value transfer destination card. In this case, at the time of value transfer, the reading processing unit 32 performs a process of reading the value stored in the first type card 10 via the first type communication unit 41.

The conversion value management unit 31 has converted the value read from the IC chip of one card (first type card 10 or second type card 20) by the reading processing unit 32 so as to be stored in the IC chip of the other card. Performs the process of acquiring and managing value.
The conversion value management unit 31 may perform a value conversion calculation in order to acquire the converted value, or may receive the result of performing the value conversion calculation by an external device.

The writing processing unit 33 writes the conversion value acquired and managed by the conversion value management unit 31 to the IC chip of the other card with respect to the one card in which the reading processing unit 32 has read the value. Alternatively, it is performed via the second type communication unit 42.
When the second type card 20 is used as the value transfer destination card, the write processing unit 33 performs a process of writing the value to the second type card 20 via the second type communication unit 42 at the time of value transfer. It will be.

These functions shown in FIG. 2 are implemented in any of the information processing devices in the information processing system 1.
For example, it is assumed that the value exchange server 3, the user terminal 4, the first electronic money server 6, and the second electronic money server 7 are distributed and implemented.
Alternatively, it is assumed that the value exchange server 3 and the user terminal 4 are distributed and implemented.
Alternatively, it is assumed that all of them will be implemented in the user terminal 4.

Since at least the communication unit 40 has a function of performing short-range wireless communication with the first type card 10 and the second type card 20, in the case of FIG. 1, the user terminal 4 is provided. The function of the calculation unit 30 may be provided in, for example, the user terminal 4 or the value exchange server 3. That is, the information processing system 1 shown in FIG. 2 may be composed of one information processing device or a plurality of information processing devices.

<2. Hardware configuration>
FIG. 3 shows a hardware configuration example of the information processing device (computer device) constituting each part of the configuration of FIG. 1, that is, the value exchange server 3, the user terminal 4, the first electronic money server 6, and the second electronic money server 7. ..

In FIG. 3, the CPU (Central Processing Unit) 101 of the computer device has various types according to a program stored in the ROM (Read Only Memory) 102 or a program loaded from the storage unit 108 into the RAM (Random Access Memory) 103. Execute the process. The RAM 103 also appropriately stores data and the like necessary for the CPU 101 to execute various processes.
The CPU 101, ROM 102, and RAM 103 are connected to each other via the bus 104. An input / output interface 105 is also connected to the bus 104.

An input unit 106, an output unit 107, a storage unit 108, and a communication unit 109 are connected to the input / output interface 105.
The input unit 106 is composed of a keyboard, a mouse, a touch panel, and the like. The user of the computer device can perform various inputs by the input unit 106.

The output unit 107 has a display device including an LCD (Liquid Crystal Display), a CRT (Cathode Ray Tube), an organic EL (Electroluminescence) panel, and the like, and is configured to be capable of displaying and outputting an image.
Further, the output unit 107 has a speaker and is configured to enable audio output.
The user of the computer device can see and hear various kinds of information by the output unit 107.

The storage unit 108 is composed of an HDD (Hard Disk Drive), a flash memory device, or the like.
The communication unit 109 performs communication processing and inter-device communication via the network 2.
A media drive 110 is also connected to the input / output interface 105 as needed, and a removable storage medium 111 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory is appropriately mounted to write information to the removable storage medium 111. And read.
The CPU 101 can record and reproduce information in the storage unit 108 and perform communication (network communication, etc.) via the communication unit 109, if necessary.

A media drive 110 is connected to the input / output interface 105 as needed, and a removable media 111 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory is appropriately mounted to write or read information to the removable media 111. Is done.

In such a computer device, data and programs can be uploaded and downloaded by communication by the communication unit 109, and data and programs can be transferred via the removable media 111.
In such a computer device, the CPU 101 performs processing operations based on various programs to provide necessary information as a value exchange server 3, a user terminal 4, a first electronic money server 6, and a second electronic money server 7. Processing and communication are executed.

That is, the functions of the conversion value management unit 31, the read processing unit 32, and the write processing unit 33 shown in FIG. 2 are functions realized by processing executed by the CPU 101 in the computer device according to the program. However, the processing of all or part of the above functions may be realized by hardware.
Further, when each function is realized by software, it is not necessary for each function to be realized by an independent program. The processing of a plurality of functions may be executed by one program, or one function may be realized by the cooperation of a plurality of program modules.
Further, each function may be distributed to a plurality of information processing devices. Further, one of the functions may be realized by a plurality of information processing devices.

Further, in the case of the user terminal 4 of FIG. 1, that is, as a device having a function of performing short-range wireless communication with the first type card 10 and the second type card 20, the short-range wireless communication unit 120 shown in FIG. 3 is provided. ..
The short-range wireless communication unit 120 includes an antenna and a transmission / reception circuit for communicating with the IC chip in the first type card 10 and the second type card 20.
The short-range wireless communication unit 120 realizes the first type communication unit 41 and the second type communication unit 42 shown in FIG.

The value exchange server 3, the user terminal 4, the first electronic money server 6, and the second electronic money server 7 are not limited to a single computer device having the configuration shown in FIG. The computer device may be systematized and configured.
The plurality of computer devices may be systematized by a LAN or the like, or may be arranged in a remote place by a VPN or the like using the Internet or the like. The plurality of computer devices may include a computer device as a group of servers (cloud) that can be used by a cloud computing service.

<3. IC chip file structure>
The first type card 10 and the second type card 20 are examples of electronic money media having IC chips having different file structures for storing and managing values.
As an example of the file structure, an example of the FeliCa (registered trademark) card format (“TypeF”) is shown in FIG. 4A, and an example of the ISO7816 card format (“TypeA” and “TypeB”) is shown in FIG. 4B.

In the FeliCa (registered trademark) card format as shown in FIG. 4A, one or a plurality of area folders (for example, Area0) are arranged under the system folder (System).
Then, a service folder (for example, Service0, Service1, Service2) for storing actual data is placed under the area folder.
The data in each folder can be decrypted using the DES key or AES key.
Depending on the service folder, a random service, a parsing service, and a cyclic service are provided for writing / reading data.

In the random service, the block number can be arbitrarily specified for the block data, which is a unit for storing arbitrary data. That is, for the data to be stored, the block number can be arbitrarily specified by the system and stored as the block data of the block number. For example, a random service is used to manage a group of block data.
In the cyclic service, an arbitrary block number can be specified at the time of reading. At the time of writing, the oldest data at that time is automatically overwritten, and the group of blocks is used cyclically. For example, cyclic services are used to manage the history of balance data.
The parsing service is a service that has a function of treating a part of block data as a positive numerical value and subtracting the value. The parse service has cash back data and can be added to the parse data up to a value stored in the cash back data. As a decrement function, automatic subtraction is performed at the time of access, and as a cashback function, the value specified by the command is added at the time of access. For example, parsing services are used to manage value data, such as updating balance data.

On the other hand, as shown in FIG. 4B, in the ISO7816 card format, a hierarchical structure of a dedicated file (DF: dedicated File) is adopted with the master file (MF) as the basis.
Files are classified into dedicated files (DF) and basic files (EF: Elementary File).
The basic file EF is roughly divided into a working basic file (WEF: Working Elementary File) and an internal basic file (IEF: Internal Elementary File).
A dedicated file (DF: dedicated File) is a file that contains file control information and optional assignable memory. The data used by the application is stored in the basic working file (WEF). The basic working file (WEF) has two structures, a transparent structure and a record structure, and the record structure includes a fixed-length sequential organization, a fixed-length circular organization, and a variable-length sequential organization. In addition, the key is managed by the internal basic file (IEF).

Individual records in the working base file (WEF) are managed by record number. The record numbers are unique and continuous in the basic working file (WEF), and are assigned in order from "1".
In the case of fixed-length sequential organization and variable-length sequential organization, record numbers are assigned in the order of addition, that is, the order of generation. Therefore, the first record number "1" is the first generated record. The record size is fixed length in the fixed length sequential organization, and the record size is variable length in the variable length sequential organization.
In a fixed-length circular organization, record numbers are assigned in reverse order. Therefore, the record number "1" is the last generated record.

For example, by adopting such a different file structure, even if the data (data including the value) of one electronic money medium is read and copied to the other electronic money medium, the value transfer is not realized.
When transferring the data of one electronic money medium to the other electronic money medium, it is necessary to perform a data structure conversion process on the card data including the value data.
For example, assuming value transfer in different types of electronic money media as shown in FIGS. 4A and 4B above, conversion between block data format and record format, which are data units, and conversion corresponding to service / organization are required. It becomes.

As an example, in order to transfer the value of the "Type F" electronic money medium to the "Type A" electronic money medium, the block data of the random service in the service folder and the block data of the perspective service are in a fixed-length sequential record format. It is appropriate to convert it to and write it as a record of a fixed-length sequential working basic file (WEF).
Further, it is appropriate to convert the block data of the cyclic service in the service folder into the record format of the fixed-length circular organization and write it as the record of the work basic file (WEF) of the fixed-length circular organization.

The first type card 10 and the second type card 20 illustrated in the embodiment are examples of electronic money media having different file structures as shown in FIGS. 4A and 4B.
Therefore, at the time of value transfer, it is necessary to perform a conversion process for generating write data by converting the data format after associating the functions as in the above example.

<4. Value transfer of the first embodiment>
The process of value transfer as the first embodiment will be described.
FIG. 5 shows communication between the first type card 10, the second type card 20, the user terminal 4, the value exchange server 3, the first electronic money server 6, and the second electronic money server 7.
Here, the communication procedure when the value of the first type card 10 is transferred to the second type card 20 is shown.
The contents of communication TR1 to communication TR16 shown in FIG. 5 are as follows.

-Communication TR1: A request to start the value transfer process is transmitted from the user terminal 4 to the value exchange server 3.
-Communication TR2: The value exchange server 3 requests the first electronic commerce server 6 to authenticate the first type card 10 (confirmation of the card ID (identification)) in order to start the value transfer process.

-Communication TR3: The first electronic money server 6 makes an ID request for the first type card 10 for authentication via the user terminal 4.
-Communication TR4: The card ID of the first type card 10 is read out via the user terminal 4 in response to the ID request and transmitted to the first electronic money server 6.

-Communication TR5: When the authentication of the first type card 10 is OK, the first electronic money server 6 creates a data read command for the first type card 10 (S303), and the data read command is the first electronic money server 6. Is transmitted to the first type card 10 via the user terminal 4.
Communication TR6: The card data read from the first type card 10 via the user terminal 4 is transmitted to the first electronic money server 6.
The "card data" refers to the data stored in the first type card 10 and the second type card 20, and particularly includes value data. The value data is a numerical value indicating the amount of value stored in the first type card 10 and the second type card 20.

-Communication TR7: The data read from the first type card 10 is decrypted by the first electronic money server 6 and transmitted to the value exchange server 3. Further, the subtraction command is transmitted from the first electronic money server 6 to the value exchange server 3. The subtraction command is a command instructing the subtraction of value data from the transfer source first type card 10. This subtraction command is a command that subtracts the values corresponding to all the value data and sets the value data to "0" when the entire value is transferred.
-Communication TR8: Decrypted data is transmitted from the value exchange server 3 to the user terminal 4. Further, the subtraction command from the first electronic money server 6 is relayed by the value exchange server 3 and transmitted to the first type card 10 via the user terminal 4. The first type card 10 causes the value to be subtracted based on the received numerical data. The subtraction command may be transmitted from the first electronic money server 6 to the first type card 10 via the user terminal 4 without going through the value exchange server 3.
-Communication TR9: A data migration instruction is transmitted from the user terminal 4.
-Communication TR10: The value exchange server 3 manages to convert the decrypted data including the value read from the migration source first type card 10 into the data corresponding to the data structure of the migration destination second type card 20. Do (S208). The value exchange server 3 transmits the necessary information in the card data (decrypted card data) of the decrypted first type card 10 received from the first electronic money server 6 to the second electronic money server 7. The second electronic money server 7 generates write data for the second type card 20 based on the necessary information in the compound card data.

-Communication TR11: The second electronic money server 7 makes an ID request for the second type card 20 for authentication via the user terminal 4.
-Communication TR12: The card ID of the second type card 20 is read out via the user terminal 4 in response to the ID request and transmitted to the second electronic money server 7.

-Communication TR13: When the authentication of the second type card 20 is OK, the second electronic money server 7 creates a data write command for the second type card 20 (S403), and the data write command and the write data (converted value). Etc.) is transmitted from the second electronic money server 7 to the second type card 20 via the user terminal 4, and writing is performed. Specifically, the second electronic money server 7 transmits an instruction to add the value by the amount of the value to be transferred to the second type card 20 via the user terminal 4. The second type card 20 adds a value based on the received numerical data.
-Communication TR14: Data indicating a writing result is transmitted from the second type card 20 to the second electronic money server 7 via the user terminal 4.
-Communication TR15: The result of data migration is notified from the second electronic money server 7 to the value exchange server 3.
-Communication TR16: The value exchange server 3 notifies the user terminal 4 of the result of data migration.

The processing of each part in the above communication process will be described with reference to FIGS. 6 and 7. The following processing is executed when the information processing system 1 has the function shown in FIG.
FIG. 6 shows the processing of the user terminal 4, the value exchange server 3, and the first electronic money server 6.

When performing the value transfer, the user activates the application software for the value transfer on the user terminal 4 and performs an operation of instructing the value transfer.
In step S101 of FIG. 6, the user terminal 4 transmits a value transfer processing start request to the value exchange server 3 in response to such a value transfer start operation (communication TR1).

When the value exchange server 3 receives the request to start the communication TR1, it transmits a request to authenticate the first type card 10 to the first electronic money server 6 in step S201 (communication TR2).
The first electronic money server 6 transmits an authentication command in step S301 in response to this (communication TR3).
This authentication command is transmitted to, for example, the value exchange server 3, and is transmitted to the user terminal 4 via the relay process (step S202) of the value exchange server 3. Alternatively, the authentication command may be transmitted directly from the first electronic money server 6 to the user terminal 4 without going through the relay of the value exchange server 3.

The user terminal 4 transmits the received authentication command to the first type card 10 by short-range wireless communication (step S102).
Therefore, when the user first performs the start operation in step S101, the user terminal 4 and the first type card 10 are brought close to each other. It is assumed that the user terminal 4 (application software) displays guidance or the like so that the user terminal 4 and the first type card 10 (electronic money medium to be the migration source) are brought close to each other. ..

The IC chip of the first type card 10 transmits authentication data (card ID, etc.) to the user terminal 4 in response to an authentication command.
The user terminal 4 receives and transmits the authentication data from the first type card 10 in step S103. The authentication data from the user terminal 4 is directly transmitted to the first electronic money server 6 via the relay process (step S203) of the value exchange server 3 or without the relay (communication TR4).

When the first electronic money server 6 receives the authentication data, the first electronic money server 6 performs the authentication process in step S302. Although not shown, if the authentication is not OK, the value transfer ends with an error.

If the authentication is OK, the first electronic money server 6 creates a data read command in step S303. That is, it is a command to read card data including value data from the first type card 10.
Then, the first electronic money server 6 transmits a data read command in step S304 (communication TR5). This data read command is sent directly to the user terminal 4 via, for example, the relay process (step S204) of the value exchange server 3 or without the relay.

The user terminal 4 transmits the received data read command to the first type card 10 by short-range wireless communication (step S104).
The IC chip of the first type card 10 transmits card data including value data in response to a data read command.
The user terminal 4 receives and transmits card data from the first type card 10 in step S105. The card data from the user terminal 4 is directly transmitted to the first electronic money server 6 via the relay process (step S205) of the value exchange server 3 or without the relay (communication TR6).

The first electronic money server 6 that has received the card data decrypts the card data in step S305. For example, data is decrypted using an encryption key to obtain information such as the read value.
Then, the first electronic money server 6 transmits the decryption card data and the subtraction command to the value exchange server 3 in step S306 (communication TR7).
In step S206, the value exchange server 3 stores the received decryption card data and transmits the decryption card data and the subtraction command to the user terminal 4 (communication TR8).

In step S106, the user terminal 4 transmits a subtraction command to the first type card 10 to perform value data subtraction. Further, in step S107, the user terminal 4 displays a value on the screen in response to receiving the decryption card data, and requests the user to execute a communication to transfer the value to the second type card 20.

After that, since communication with the second type card 20 is required, the user performs the operation of the execution instruction after keeping the second type card 20 close to the user terminal 4 instead of the first type card 10. conduct. The user terminal 4 notifies the value exchange server 3 of the user's instruction (communication TR9).
It is assumed that the user terminal 4 (application software) displays guidance or the like so that the user terminal 4 and the second type card 20 (electronic money medium to be the migration destination) are brought close to each other. Will be done.

For example, the user may be able to give an instruction to cancel the migration during the processing up to this point, but in that case, the cancellation can be performed at the timing before the subtraction command is transmitted to the first type card 10. Is desirable.

Subsequent processing of the user terminal 4 and the value exchange server 3 of FIG. 6 is shown in succession to FIG. 7 as shown by “C1” and “C2”.
FIG. 7 shows the processing of the user terminal 4, the value exchange server 3, and the second electronic money server 7.

The value exchange server 3 acquires the conversion rate information in step S207 in response to the migration instruction from the user terminal 4.
The conversion rate information is information that the value exchange server 3 sequentially acquires from a predetermined server, and is information such as the current exchange rate between currencies and the value exchange rate between electronic money systems.
For example, when the first type card 10 is an electronic money medium used as the currency of country A and the second type card 20 is an electronic money medium used as the currency of country B, the value exchange server 3 has the currency of country A and the currency of country B. Get the latest exchange rates for.

In step S208, the value exchange server 3 manages to convert the card data of the first type card 10 for the second type card 20.
For example, information necessary for conversion processing, such as decryption card data to be converted and conversion rate information, can be provided to the second electronic money server 7.

In step S209, the value exchange server 3 transmits the decryption card data to be converted and the conversion rate information to the second electronic money server 7 (communication TR10). In this case, the value exchange server 3 also requests the second electronic money server 7 to authenticate the second type card 20.

In step S400, the second electronic money server 7 converts the card data format according to the difference in the file structure between the first type card 10 and the second type card 20.
For example, the data format is converted, such as the conversion between the block data format and the record format described in the case of transferring the value of the electronic money medium of "Type F" to "Type A" described above. In particular, in the data conversion process in this case, the data conversion process is performed in a state where the same or similar functions are maintained. For example, in the above example, the conversion process that converts the block data of the cyclic service to the record format of the fixed-length cyclic organization, and the block data of the random service and the perspective service to the record format of the fixed-length sequential organization. Conversion processing and the like to be converted are performed.

More specifically, first, a process of specifying the data structure is performed based on the read card data.
It also decrypts the card data. In this case, the decryption card data provided by the value exchange server 3 is the decryption card data already decrypted by the first electronic money server 6 using the encryption key.
However, when the first electronic money server 6 does not decrypt using the encryption key, the card data before decryption is provided to the value exchange server 3 or the second electronic money server 7. Therefore, the value exchange server 3 or the second electronic money server 7 may acquire the encryption key to decrypt the card data of the first type card 10.
Then, the value exchange server 3 performs a process of determining the encryption key corresponding to the data format at the migration destination for the decrypted card data.
In the case of "TypeF", it is possible to have a compound key. For example, it is possible to have a composite key that decrypts the system folder (System), area folder (Area0), and service folder (Service0) of FIG. 4A at once.
On the other hand, in the case of "TypeA" and "TypeB", it is not possible to have a compound key. Therefore, for example, in order to specify the basic working file (WEF) corresponding to the service folder (Service0), a plurality of encryption keys such as a master file (MF) key and a dedicated file (DF) key are used. You will have to use it.

At this time, the value data is also rewritten according to the difference in currency unit and currency value between the country / region where the first type card 10 is used and the country / region where the second type card 20 is used. .. In that case, the second electronic money server 7 calculates a numerical value of new value data using the latest conversion rate information transmitted from the value exchange server 3. The second electronic money server 7 may acquire the conversion rate information.
The second electronic money server 7 uses the converted card data obtained by performing the above conversion process in step S400 as the write data for the second type card 20.

Subsequently, the second electronic commerce server 7 transmits an authentication command in step S401 in response to the authentication request (communication TR11).
This authentication command is transmitted to, for example, the value exchange server 3, and is transmitted to the user terminal 4 via the relay process (step S210) of the value exchange server 3. Alternatively, the authentication command may be transmitted directly from the second electronic money server 7 to the user terminal 4 without going through the relay of the value exchange server 3.

The user terminal 4 transmits the received authentication command to the second type card 20 by short-range wireless communication (step S108).

The IC chip of the second type card 20 transmits authentication data (card ID, etc.) in response to an authentication command.
The user terminal 4 receives and transmits the authentication data from the second type card 20 in step S109. The authentication data from the user terminal 4 is directly transmitted to the second electronic money server 7 via the relay process (step S211) of the value exchange server 3 or without the relay (communication TR12).

When the second electronic money server 7 receives the authentication data, the second electronic money server 7 performs the authentication process in step S402. Although not shown, if the authentication is not OK, the value transfer ends with an error.

If the authentication is OK, the second electronic money server 7 creates a data writing command in step S403. That is, it is a command to write the write data (card data including the converted value data) created by the value exchange server 3 to the second type card 20.
Then, the second electronic money server 7 transmits the data write command and the write data in step S404 (communication TR13). The data writing command and the writing data are sent directly to the user terminal 4 via, for example, the relay process (step S212) of the value exchange server 3 or without the relay.

The user terminal 4 transmits the received data writing command and writing data to the second type card 20 by short-range wireless communication (step S110).
The IC chip of the second type card 20 performs a process of storing the write data transmitted at the same time in response to the data write command, and transmits the write result data.

The user terminal 4 receives and transmits the writing result data from the second type card 20 in step S111. The data written from the user terminal 4 is directly transmitted to the second electronic money server 7 via the relay process (step S213) of the value exchange server 3 or without the relay (communication TR14).

The second electronic commerce server 7 performs a process of confirming the writing result in step S405, and notifies the value exchange server 3 of the result in step S406 (communication TR15).
The value exchange server 3 performs result management processing (for example, saving information on the success or failure of value migration and migration history) in response to the result notification, and also notifies the user terminal 4 of the result of data migration (communication TR16).
The user terminal 4 displays the migration result in step S112 in response to the result notification, and presents the migration result to the user.

As described above, the value transfer from the first type card 10 to the second type card 20 is completed.
The value transfer from the second type card 20 to the first type card 10 is also performed in the same manner. The reading of the value from the second type card 20 is executed by the command by the second electronic money server 7, and the writing of the converted value to the first type card 10 is executed by the command by the first electronic money server 6. Become.

<5. Value transfer of the second embodiment>
As a second embodiment, an example in which the first electronic money server 6 and the second electronic money server 7 do not intervene will be described. The information processing system 1 of FIG. 1 is an example composed of a user terminal 4 and a value exchange server 3.
Then, the value exchange server 3 executes the processing performed by the first electronic money server 6 and the second electronic money server 7 in the first embodiment.

FIG. 8 shows communication between the first type card 10, the second type card 20, the user terminal 4, and the value exchange server 3 as a communication procedure at the time of value transfer.
The communication TR1, TR3, TR4, TR5, TR6, TR8, TR9, TR11, TR12, TR13, TR14, and TR16 shown in FIG. 8 have the same communication contents as those in FIG. 5, but the communication main body is different. In addition, communication TR20 is added.

-Communication TR1: A request to start the value transfer process is transmitted from the user terminal 4 to the value exchange server 3.

-Communication TR3: The value exchange server 3 makes an ID request for the first type card 10 for authentication via the user terminal 4.
-Communication TR4: The card ID of the first type card 10 is read out via the user terminal 4 in response to the ID request and transmitted to the value exchange server 3.

-Communication TR20: Communication for identity verification to the user (confirmation of the owner of the first electronic money server 6 which is the value transfer source in this case) is performed between the value exchange server 3 and the user terminal 4.

-Communication TR5: When authentication and identity verification are OK, the value exchange server 3 creates a data read command for the first type card 10 (S223), and the data read command is sent from the value exchange server 3 via the user terminal 4. Is transmitted to the first type card 10.
-Communication TR6: Data (value, etc.) read from the first type card 10 via the user terminal 4 is transmitted to the value exchange server 3.

-Communication TR8: Decryption data and a subtraction command are transmitted from the value exchange server 3 to the user terminal 4. The subtraction command is transmitted to the first type card 10 via the user terminal 4. The first type card 10 causes the value to be subtracted based on the received numerical data.
-Communication TR9: A data migration instruction is transmitted from the user terminal 4.

-Communication TR11: The value exchange server 3 converts the decrypted data including the value read from the migration source first type card 10 into the data corresponding to the data structure of the migration destination second type card 20, and the converted data. Is written data (S228).
For example, the data format is converted, such as the conversion between the block data format and the record format described in the case of transferring the value of the electronic money medium of "Type F" to "Type A" described above.
In the second embodiment, the same processing as in the first embodiment is performed up to the means for specifying the encryption key. Therefore, the description of the processing will be omitted.
In the second embodiment, the value exchange server 3 identifies the encryption key and then performs data conversion processing into data that maintains the same or similar functions as the identified data. For example, in the above example, when converting the block data of the cyclic service of "TypeF" into the record format of the fixed-length cyclic organization of "TypeA", the value exchange server 3 uses the composite key of "TypeF". Identify the composite key that contains the cyclic service. Next, the value conversion server 3 specifies the MF encryption key, the DF encryption key, and the WEF encryption key of "Type A" so as to correspond to the plurality of encryption keys included in the composite key. After that, the value exchange server 3 converts the block data of the cyclic service of "TypeF" into the record format of the fixed-length cyclic organization of "TypeA" corresponding to the cyclic service. As a conversion method, for example, zero padding is performed on the block data to convert it into the number of digits of the fixed-length data, or a byte indicating a predetermined role of the fixed-length data is rewritten by the corresponding role of the block data. Can be considered. The same processing is performed for the block data of the random service and the perspective service.
The value exchange server 3 makes an ID request to the second type card 20 to which the write data is written via the user terminal 4.
Communication TR12: The card ID of the second type card 20 is read out via the user terminal 4 in response to the ID request and transmitted to the value exchange server 3.

-Communication TR13: When the authentication is OK, the value exchange server 3 creates a data write command for the second type card 20 (S231), and the data write command and the write data (value, etc.) are sent from the value exchange server 3 to the user terminal. It is transmitted to the second type card 20 via 4.
-Communication TR14: Data indicating a writing result is transmitted from the second type card 20 to the value exchange server 3 via the user terminal 4.
-Communication TR16: The value exchange server 3 notifies the user terminal 4 of the result of data migration.

The processes of the user terminal 4 and the value exchange server 3 in the above communication process will be described with reference to FIGS. 9 and 10.
Note that the same steps as those in FIGS. 6 and 7 are assigned the same step numbers as the processes of the user terminal 4, and duplicate detailed explanations are avoided.

When a request for starting the value transfer process is transmitted (communication TR1) to the value exchange server 3 by the process of step S101 of the user terminal 4, the value exchange server 3 issues an authentication command in step S220 in response to the transmission (communication TR1). Transmit (communication TR3).
This authentication command is transmitted to the user terminal 4, and the user terminal 4 transmits the received authentication command to the first type card 10 by short-range wireless communication (step S102).

The IC chip of the first type card 10 transmits authentication data (card ID, etc.) to the user terminal 4 in response to an authentication command.
The user terminal 4 receives the authentication data from the first type card 10 in step S103 and transmits it to the value exchange server 3 (communication TR4).

When the value exchange server 3 receives the authentication data, the value exchange server 3 performs the authentication process in step S221. Although not shown, if the authentication is not OK, the value transfer ends with an error.

When the authentication is OK, the value exchange server 3 and the user terminal 4 perform communication (communication TR20) for identity verification (step S222, step S120).
This is a process for requesting some input from the user terminal 4 to the user and confirming that the user is the owner of the first type card 10.

This process is based on the fact that identity verification may be legally required when transferring values. For example, it is a method of confirming the name, address, and date of birth using a public certificate such as sending a license or eKYC (electronic Know Your Customer: online identity verification method). Official certificates include driver's license, Individual Number Card, health insurance card, passport, etc.
A user who has once verified his / her identity will be recognized as a user whose identity has been confirmed if certain conditions are met, and the identity verification using a public certificate can be omitted from the next time onward.

When a user who is recognized as a user whose identity has been confirmed uses this system, password input, biometric authentication (face authentication, voiceprint authentication, fingerprint authentication, etc.), and identification are used as methods for authenticating whether or not the user is the user. Information input and various other methods are envisioned.
For example, eKYC requires a public certificate with a photo and an image of the person's appearance. The online identity verification method requires a public certificate with a photo taken using software provided by a specific business operator. For this reason, the software sends the above two required documents to a specific business operator by activating an input device such as a camera to acquire an image or selecting an image that has already been taken, and confirms the identity. I do.
The same identity verification may be performed in the first embodiment.
Although not shown, if the identity verification is not OK, the value transfer ends with an error.

If the identity verification is OK, the value exchange server 3 creates a data read command in step S223. That is, it is a command to read card data including value data from the first type card 10.
Then, the value exchange server 3 transmits a data read command to the user terminal 4 in step S224 (communication TR5).
The user terminal 4 transmits the received data read command to the first type card 10 by short-range wireless communication (step S104).

The IC chip of the first type card 10 transmits card data including value data in response to a data read command.
In step S105, the user terminal 4 receives the card data from the first type card 10 and transmits it to the value exchange server 3 (communication TR6).

The value exchange server 3 that has received the card data decrypts the card data in step S225. For example, data is decrypted using an encryption key to obtain information such as the read value.
Further, the value exchange server 3 transmits the decryption card data and the subtraction command to the user terminal 4 in step S226 (communication TR8).

In step S106, the user terminal 4 transmits a subtraction command to the first type card 10 to perform value data subtraction. Further, in step S107, the user terminal 4 displays a value on the screen in response to receiving the decryption card data, and requests the user to execute a communication to transfer the value to the second type card 20. The user operates the execution instruction after the second type card 20 is placed close to the user terminal 4 instead of the first type card 10. The user terminal 4 notifies the value exchange server 3 of the user's instruction (communication TR9).

Subsequent processing of the user terminal 4 and the value exchange server 3 of FIG. 9 is shown in succession to FIG. 10 as shown by “C11” and “C12”.

The value exchange server 3 acquires conversion rate information from an external server or the like in step S227. This is the same process as in step S207 of FIG.
Then, in step S228, the value exchange server 3 converts the card data of the first type card 10 for the second type card 20 and uses it as the data written to the second type card 20. This step S227 is the same conversion process as in step S400 by the second electronic money server 7 in FIG. 7. Then, the value exchange server 3 uses the converted card data obtained by performing the conversion process as the write data for the second type card 20.

The value exchange server 3 transmits an authentication command for the second type card 20 to the user terminal 4 in step S229 (communication TR11).
The user terminal 4 transmits the received authentication command to the second type card 20 by short-range wireless communication (step S108).
The IC chip of the second type card 20 transmits authentication data (card ID, etc.) in response to an authentication command.
In step S109, the user terminal 4 receives the authentication data from the second type card 20 and transmits it to the value exchange server 3 (communication TR12).

When the value exchange server 3 receives the authentication data, the value exchange server 3 performs the authentication process in step S230. Although not shown, if the authentication is not OK, the value transfer ends with an error.

If the authentication is OK, the value exchange server 3 creates a data write command in step S231. That is, it is a command for writing write data (card data including converted value data) to the second type card 20.
Then, the value exchange server 3 transmits the data writing command and the writing data to the user terminal 4 in step S232 (communication TR13).

The user terminal 4 transmits the received data writing command and writing data to the second type card 20 by short-range wireless communication (step S110).
The IC chip of the second type card 20 performs a process of storing the write data transmitted at the same time in response to the data write command, and transmits the write result data.
In step S111, the user terminal 4 receives the write result data from the second type card 20 and transmits it to the value exchange server 3 (communication TR14).

The value exchange server 3 performs a process of confirming the writing result in step S233, performs a result management process (for example, saving information on the success or failure of value migration and the migration history), and in step S234, the result of data migration to the user terminal 4. Notify (communication TR16).
The user terminal 4 displays the migration result in step S112 in response to the result notification, and presents the migration result to the user.
As described above, the value transfer from the first type card 10 to the second type card 20 is completed.

<6. Value transition of the third embodiment>
An example in which the value transfer is executed only by the user terminal 4 as the third embodiment will be described. This is an example in which the information processing system 1 of FIG. 1 is composed of only the user terminal 4. For example, based on the application software in the user terminal 4, the user terminal 4 executes a process necessary for value transfer.
When the user terminal 4 executes a process necessary for value transfer, the user terminal 4 is provided with, for example, an anti-tamper device for fraud prevention. The tamper-resistant device is a dedicated encryption processor for the purpose of protecting the encryption key, and is a device for securely protecting the encryption key used when encrypting data or generating a digital signature. By using the tamper-resistant device, the user terminal 4 can protect the encryption key even when the user terminal 4 has the encryption key, and can safely convert the value. In the following processing, it is assumed that the user terminal 4 is provided with an anti-tamper device.

FIG. 11 shows communication between the first type card 10, the second type card 20, and the user terminal 4 as a communication procedure at the time of value transfer.
The communication TR3, TR4, TR5, TR6, TR8, TR11, TR12, TR13, and TR14 shown in FIG. 11 have the same communication contents as those in FIGS. 5 and 8, but are all between the user terminal 4 and the card (10, 20). It becomes short-range wireless communication.

-Communication TR3: The user terminal 4 transmits an ID request to the first type card 10 for card authentication.
-Communication TR4: The card ID of the first type card 10 is read out to the user terminal 4 in response to the ID request.

-Communication TR5: When the authentication is OK, the user terminal 4 creates a data read command for the first type card 10 (S153) and transmits the data to the first type card 10.
-Communication TR6: Card data is read from the first type card 10 to the user terminal 4 by a read command.
-Communication TR8: A subtraction command is transmitted from the user terminal 4 to the first type card 10. The first type card 10 causes the value to be subtracted based on the received numerical data.

-Communication TR11: The user terminal 4 converts the decrypted data including the value read from the first type card 10 of the migration source into the data corresponding to the data structure of the second type card 20 of the migration destination, and converts the converted data. It is used as write data (S158). The user terminal 4 transmits an ID request to the second type card 20 to which the write data is written.
Communication TR12: The card ID of the second type card 20 is read out to the user terminal 4 in response to the ID request.

-Communication TR13: When the authentication is OK, the user terminal 4 creates a data writing command for the second type card 20 (S161), and transmits the data writing command and the writing data (value, etc.) to the second type card 20.
-Communication TR14: Data indicating a writing result is transmitted from the second type card 20 to the user terminal 4 to the value exchange server 3.

The processing of the user terminal 4 in the above communication process will be described with reference to FIG.
When the application software is started and the value transfer is started, the user terminal 4 transmits an authentication command to the first type card 10 by short-range wireless communication in step S150 (communication TR3).

The IC chip of the first type card 10 transmits authentication data (card ID, etc.) to the user terminal 4 in response to an authentication command (communication TR4).
When the user terminal 4 receives the authentication data, the user terminal 4 performs the authentication process in step S151. Although not shown, if the authentication is not OK, the value transfer ends with an error.

When the authentication is OK, the user terminal 4 performs the identity verification process in step S152.
For example, the user terminal 4 asks the user for some input and confirms that the operating user is the owner of the first type card 10.
Although not shown, if the identity verification is not OK, the value transfer ends with an error.

If the identity verification is OK, the user terminal 4 creates a data read command for the first type card 10 in step S153.
Then, the user terminal 4 transmits a data read command to the first type card 10 in step S154 (communication TR5).

The IC chip of the first type card 10 transmits card data including value data in response to a data read command (communication TR6).
The user terminal 4 receives and acquires the card data from the first type card 10 in step S155, and decrypts the card data.
Further, the user terminal 4 transmits a subtraction command to the first type card 10 in step S156 (communication TR8).

In step S157, the user terminal 4 acquires conversion rate information by communicating with a predetermined server or the like.
Then, in step S158, the user terminal 4 converts the card data of the first type card 10 for the second type card 20 and uses it as the data to be written to the second type card 20.
For example, the data format is converted, such as the conversion between the block data format and the record format described in the case of transferring the value of the electronic money medium of "Type F" to "Type A" described above. In particular, in the data conversion process in this case, the data conversion process is performed in a state where the same or similar functions are maintained. For example, in the above example, the conversion process that converts the block data of the cyclic service to the record format of the fixed-length cyclic organization, and the block data of the random service and the perspective service to the record format of the fixed-length sequential organization. Conversion processing and the like to be converted are performed.
Since the third embodiment performs the same conversion process as that of the second embodiment, the description thereof will be omitted.
During the data format conversion process, the user terminal 4 uses a tamper-resistant device to prevent data tampering.

The user terminal 4 transmits an authentication command to the second type card 20 in step S159 (communication TR11).
The IC chip of the second type card 20 transmits authentication data (card ID, etc.) to the user terminal 4 in response to the authentication command (communication TR12).
When the user terminal 4 receives the authentication data from the second type card 20, the user terminal 4 performs the authentication process in step S160. Although not shown, if the authentication is not OK, the value transfer ends with an error.
The user terminal waits for the user to perform the execution instruction operation at least in the transmission of step S159 after the second type card 20 is brought close to the user terminal 4 instead of the first type card 10. Is preferable.

If the authentication is OK, the user terminal 4 creates a data writing command for the second type card 20 in step S161.
Then, the user terminal 4 transmits the data writing command and the writing data to the second type card 20 in step S162 (communication TR13).
The IC chip of the second type card 20 performs a process of storing the write data transmitted at the same time in response to the data write command, and transmits the write result data (communication TR14).
In step S163, the user terminal 4 receives the writing result data from the second type card 20 and performs a process of confirming the writing result. Then, the user terminal 4 displays the migration result in step S164 and presents the migration result to the user.
As described above, the value transfer from the first type card 10 to the second type card 20 is completed.
In the third embodiment as described above, the identity verification described in steps S222 and S120 of the second embodiment may be performed. For example, in order to execute the process of FIG. 12 on the user terminal 4, it is conceivable that it is necessary to confirm the identity with, for example, the value exchange server 3 or the like prior to the execution.

<7. Partial transfer of value>
By the way, the processing of the above first, second and third embodiments not only transfers all the values of the first type card 10 to the second type card 20, but also, for example, the amount of the amount specified by the user. Value data may be transferred.
For example, in the operation of the user terminal 4, it is possible to input an amount for specifying the amount to be transferred at a predetermined timing. Then, it is conceivable that the user terminal 4 notifies the value exchange server 3 of the amount to be transferred at the timing of, for example, communication TR1 or communication TR9.

In the first embodiment, the user terminal 4, the value exchange server 3, the first electronic money server 6, and the second electronic money server 7 target the designated amounts and perform the processes shown in FIGS. 6 and 7 above. Perform a value transition with.
In the second embodiment, the user terminal 4 and the value exchange server 3 execute the value transfer by the processing of FIGS. 9 and 10 above for the designated amount.
In the third embodiment, the user terminal 4 executes the value transfer by the process of FIG. 12 above for the amount specified according to the input of the user.
By doing so, the user can make any amount of transfer that he deems necessary.
Of course, in this case, the subtraction command for subtracting the value data from the transfer source is a command for instructing the subtraction of the specified transfer amount.

<8. Summary and modification>
The following effects can be obtained in the above embodiments.
The information processing system 1 of the embodiment communicates with the first type card 10 (first IC chip) that manages the value, which is the currency value information used in the electronic money system, in the first file structure. The second type communication unit 42 that communicates with the first type communication unit 41 and the second type card 20 (second IC chip) that manages the value in a second file structure different from the first file structure. To be equipped.
Further, the information processing system 1 includes a reading processing unit 32 that reads the value of the migration source (first value) stored in the IC chip of the first type card 10 via the first type communication unit 41.
Further, the information processing system 1 includes a conversion value management unit 31 that acquires a second value converted in order to store the first value of the migration source in the IC chip of the migration destination.
Further, the information processing system 1 includes a writing processing unit 33 that writes a second value to the IC chip of the second type card 20 that is the migration destination via the second type communication unit 42.
As a result, the value can be transferred between the first type card 10 and the second type card 20 as an electronic money medium in which different file structures are adopted.
For example, it is assumed that a user has a first type card 10 used in country A, which is his home country, and a second type card 20 used in country B. Even if the first type card 10 cannot be used when this user visits country B, the value of the first type card 10 can be transferred to the second type card 20 by using the user terminal 4. You will be able to make payments using the type card 20.
By enabling value transfer between cards having different file structures in this way, it is possible to significantly improve the usability of the user in electronic money payment.

In the first embodiment, such an information processing system 1 is composed of a user terminal 4, a value exchange server 3, a first electronic money server 6, and a second electronic money server 7. That is, it is configured as an information processing system using a plurality of computer devices.
Further, in the second embodiment, such an information processing system 1 is configured as an information processing system by a user terminal 4 and a value exchange server 3.
Further, in the third embodiment, such an information processing system 1 is composed of a user terminal 4.
As described above, the information processing system 1 composed of one or a plurality of information processing devices corresponds to the information processing device referred to in the present invention.

In the embodiment, it is assumed that the second value (value to be written to the migration destination) acquired by the conversion value management unit 31 is converted using the latest conversion rate information at the time of the migration process.
By appropriately updating the latest conversion rate information, it is possible to prevent the value of the numerical value as the value from being inappropriately changed between the electronic money systems using the first and second IC chips.

In the embodiment, the conversion rate information is exchange rate information or conversion rate market information between electronic money systems.
If the countries and regions where each electronic commerce system using the first type card 10 and the second type card 20 are used are different, the value can be transferred with the same value by converting the value value based on the exchange rate. can.
Further, when the value of the numerical value of the value is different between the electronic money system using the first IC chip and the electronic money system using the second IC chip, the value value is converted by referring to the conversion rate market information. By doing so, value transfer can be performed with the same value.

In the embodiment, the second value acquired by the conversion value management unit 31 is the person who uses the electronic money medium including the first IC chip when converting the first value into the second value. It was assumed that it was converted after confirmation processing was performed.
When performing value conversion and value transfer, unauthorized value conversion / transfer can be prevented by performing identity verification processing for the legitimate owner. For example, it is possible to prevent the value from being read from another person's first type card 10 without permission and the value transferred to one's own second type card 20.

In the embodiment, the conversion value management unit 31 gives an example of acquiring the second value by transmitting the first value to the external server and receiving the converted second value at the external server. ..
For example, assuming that the user terminal 4 has the configuration of FIG. 2, the conversion process itself from the first value to the second value is performed on an external server (for example, the value exchange server 3 or another server). By setting this, the processing load on the user terminal 4 can be reduced.
In particular, in mobile user terminals such as smartphones, it is assumed that many other functions are used by users. In such a case, the reduction of the processing load is desirable for stabilizing the system operation and for various other operation functions without excessively occupying the computing power in the user terminal as a general-purpose machine.
Further, for example, even when it is assumed that the configuration of FIG. 2 is distributed and provided in the information processing system 1 of FIG. 1 (for example, the configuration of FIG. 2 is distributed and provided in the user terminal 4 and the value exchange server 3), the first value to the second value are provided. It is also conceivable that the conversion process itself to the value of is performed on an external server.

In the embodiment, the conversion value management unit 31 gives an example of performing a conversion process for converting the first value into the second value.
For example, in the third embodiment, it is assumed that the user terminal 4 has the configuration of FIG. 2, but the conversion value management unit 31 also performs the conversion process itself from the first value to the second value. , Value transfer is possible without communication with an external server. In this case, although the processing load on the user terminal 4 increases, there is an advantage that the value can be transferred even in an environment where communication is not possible or communication is not stable.

According to the processing of the embodiment, not only the entire value of the first type card 10 can be transferred to the second type card 20, but also the value of the user-specified amount can be transferred.
The reading processing unit 32 transmits value data corresponding to the amount specified by the user within the range of the first value amount stored in the IC chip of the first type card 10 via the first type communication unit 41. Try to read. The conversion value management unit 31 acquires the converted second value in order to store the value data corresponding to the amount specified by the user in the IC chip of the second type card 20. As a result, the writing processing unit 33 writes the second value to the IC chip of the second type card 20, which is the transfer destination, via the second type communication unit 42, so that the value of the amount specified by the user can be transferred.
Therefore, the user can transfer the value of an arbitrary amount according to the purpose of use and the like, and the usability of the electronic money medium can be remarkably improved.

The program of the embodiment includes a process of communicating with a first IC chip (for example, a first type card 10) and reading a first value stored in the first IC chip, and a first value. To the second IC chip by communicating with the second IC chip and the process of acquiring the converted second value for storing in the second IC chip (for example, the second type card 20). It is a program that causes an information processing apparatus to execute a process of writing a second value.

For example, when the user terminal 4 performs the value transfer process as in the third embodiment, such a program is applied as application software.
With such a program, it is possible to realize an information processing device that realizes the value transfer as described as the user terminal 4.
Further, in the case of the first and second embodiments, such a program can be used as the processing of the value exchange server 3.

Such a program can be stored in advance in an HDD as a storage medium built in a device such as a computer device, a ROM in a microcomputer having a CPU, or the like. Alternatively, such a program can be temporarily or permanently stored (stored) in a removable storage medium such as a semiconductor memory, a memory card, an optical disk, a magneto-optical disk, or a magnetic disk. Further, the removable storage medium that stores such a program can be provided as so-called package software.
In addition to installing such a program from a removable storage medium on a personal computer or the like, it can also be downloaded from a download site via a network such as a LAN or the Internet.

1 Information system, 2 Network, 3 Value exchange server, 4 User terminal, 6 1st electronic money server, 7 2nd electronic money server, 10 1st type card, 20 2nd type card, 30 calculation unit, 31 conversion value Management unit, 32 Read processing unit, 33 Write processing unit, 40 Communication unit, 41 First type communication unit, 42 Second type communication unit

Japanese Unexamined Patent Publication No. 2001-216459

The information processing device according to the present invention is provided in a portable terminal device and communicates with a first IC chip that manages a value, which is currency value information used in an electronic money system, in a first file structure. A second communication unit and a second IC chip provided in the portable terminal device and managing the value in a second file structure different from the first file structure communicate with each other. A reading processing unit that reads the first value stored in the first IC chip via the communication unit and the first communication unit, and the first value are transferred to the second IC chip. It includes a conversion value management unit that manages a second value converted for storage, and a writing processing unit that writes the second value to the second IC chip via the second communication unit. To do so.
That is, it is possible to read a value from one of electronic money media (for example, an electronic money card or a terminal device) in which different file structures are adopted and transfer it to the other.

The information processing method of the present invention comprises a first IC chip that manages a value, which is currency value information used in an electronic money system, in a first file structure, and a first file structure in which the value is different from the first file structure. This is an information processing method performed by an information processing device including a portable terminal device for a second IC chip managed by the file structure of 2. Then, the portable terminal device communicates with the first IC chip to read the first value stored in the first IC chip, and the first value is referred to as the first value. A conversion value management step that manages a second value converted for storage in the second IC chip, and the portable terminal device communicates with the second IC chip to the second IC chip. The writing step of writing the second value is performed.
As a result, the value is read from one of the electronic commerce media that employ different file structures, and the value is transferred to the other.
The program of the present invention is a program that causes an information processing apparatus to execute a process corresponding to each of the above steps.

Claims (9)

A first communication unit that communicates with a first IC chip that manages value, which is currency value information used in an electronic money system, with a first file structure.
A second communication unit that communicates with a second IC chip that manages the value in a second file structure different from the first file structure.
A reading processing unit that reads a first value stored in the first IC chip via the first communication unit, and a reading processing unit.
A conversion value management unit that manages a second value that has been converted so that the first value is stored in the second IC chip.
A writing processing unit that writes the second value to the second IC chip via the second communication unit, and a writing processing unit.
Information processing device equipped with. The second value managed by the conversion value management unit is
The information processing apparatus according to claim 1, which is converted by using the latest conversion rate information acquired when converting the first value into the second value. The information processing device according to claim 2, wherein the conversion rate information is exchange rate information or conversion rate market information between electronic money systems. The second value managed by the conversion value management unit is
Claim that when the first value is converted into the second value, the identity verification process is performed on the holder of the electronic money medium including the first IC chip, and then the conversion is performed. The information processing apparatus according to any one of 1 to 3. The conversion value management unit obtains the second value by transmitting the first value to the external server and receiving the converted second value at the external server. The information processing device according to any one. The information processing device according to any one of claims 1 to 4, wherein the conversion value management unit performs a conversion process for converting the first value into the second value. The reading processing unit reads data of a value corresponding to the amount specified by the user within the range of the amount of the first value stored in the first IC chip via the first communication unit. ,
The information according to any one of claims 1 to 6, wherein the conversion value management unit acquires the converted second value in order to store the value data corresponding to the amount in the second IC chip. Processing equipment. A first IC chip that manages value, which is currency value information used in an electronic money system, in a first file structure, and a second file structure that manages the value in a second file structure different from the first file structure. This is an information processing method performed by an information processing device for the IC chip of 2.
A reading step of communicating with the first IC chip and reading the first value stored in the first IC chip, and
A conversion value management step for managing the second value converted so that the first value is stored in the second IC chip, and
A writing step of communicating with the second IC chip and writing the second value to the second IC chip,
Information processing method to perform. A first IC chip that manages value, which is currency value information used in an electronic money system, in a first file structure, and a second file structure that manages the value in a second file structure different from the first file structure. As the processing performed by the information processing device for the IC chip of 2.
A process of communicating with the first IC chip and reading the first value stored in the first IC chip,
A process of managing the second value converted so that the first value is stored in the second IC chip, and
A process of communicating with the second IC chip and writing the second value to the second IC chip,
Is a program that causes the information processing device to execute.

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