KR19990007658A - Electronic money information processing device and its processing method - Google Patents

Abstract

The present invention enables recording processing of money information for charging a predetermined amount of money by a public telephone communication with a financial processing network through a telephone dedicated to processing information of electronic money for a card-type money amount information recording medium commonly used as electronic money. An electronic money information processing device and a method of processing the same are provided.

To this end, in the telephone communication system, the present invention provides a card-type monetary amount information recording medium (6) having an information recording part containing information on a monetary amount so as to enable entry / exit of the monetary amount by application of an electrical signal. Each withdrawal amount data corresponding to a desired amount of withdrawal amount is based on the information of the account number and password allocated to the card type monetary value information containing medium 6, which is attached to the designated financial institution. A plurality of financial center databases (MD1 to MDn) which are sent out to be recorded in the information recording section of the card-type money amount information recording medium 6 corresponding thereto; By acquiring the card-type money amount information-containing medium 6 and inputting a desired amount of withdrawal of the desired amount, the withdrawal is made through online communication with the financial center database designated for the card-type money amount information-containing medium 6. And a telephone 100 which receives the withdrawal amount data corresponding to the desired amount and stores it in the information recording portion of the card-type money amount information bearing medium 6.

Description

Electronic money information processing device and its processing method

The present invention relates to an electronic money information processing apparatus and a processing method thereof, and more particularly, to mediate online communication through a public telephone network for a card type money amount information recording medium capable of storing predetermined amount of money information so as to function as an electronic money. The present invention relates to an electronic money information processing device and a method of processing the same, which allow repetitive recording of money amount information.

Conventionally, coins and bills in the form of money have been used as a means of commerce or payment of a certain debt, and such coins and bills are not only convenient to carry, but also to public telephones. In situations where payment of the balance made by coin currency, such as a telephone call, is required, it is inconvenient to carry the balance inevitably, which is inconvenient, and the possibility of theft because an unspecified individual can acquire it and use it as much as possible without real name. There is a disadvantage of staying.

Therefore, in recent years, a predetermined amount of money information can be used only for a specific paid service device capable of executing or operating a function only when a predetermined fee is paid, such as a public telephone, without using real money such as coins or bills. The card-type money amount information recording medium having recorded therein has been developed and adopted. In the case of such a card-type monetary value information bearing medium, when the specific pay service device described above is a public telephone, for example, it functions as a public telephone card and inserts a public telephone card through a card insertion slot installed in the public telephone. When talking to the subscriber of the telephone to which the telephone number is assigned, the record information is recorded on the information recording card attached to the card for public telephone to complete the call and to reduce the amount of the excess call amount in addition to the prescribed call charge. It allows you to collect phone charges.

Typically, in such a card-type monetary value information recording medium, the information recording portion containing the amount information contains a predetermined amount of money information, which is formed of a magnetic recording surface capable of recording and reading magnetic information, and includes a corresponding card type. The recording and reading means of the amount information embedded in the pay service apparatus that applies the monetary amount information recording medium as a limited currency payment means employs a magnetic head to generate a predetermined level of signal voltage to generate the information stored on the magnetic recording surface. In addition, the signal current can be generated and recorded on the corresponding magnetic recording surface for reading information recorded in accordance with the royalties.

On the other hand, in order to realize more extensive payment function for the card type monetary value information recording medium used only for a predetermined pay service device, a debit card that is responsible for payment of unspecified commerce or predetermined debt. In the case of such a debit card, a predetermined amount of money information predetermined on the information recording surface is classified according to the amount of money, and the card itself can be sold through the sales network. As such, it is possible to purchase goods by commerce or to pay a predetermined amount of debt.

However, the card type monetary value information recording medium applicable only to this specific paid service device and the card type monetary value information recording medium for the purpose of payment for unspecified commerce or debt generation, once purchased card Since it is impossible to refill the amount of money in the type of recording medium, it is impossible to use it again because it is impossible to use it once more when the amount of money is reached. There is a disadvantage in that it is necessary to repurchase another card-type money amount information containing medium for use.

On the other hand, in recent years, the fare payment method for the paid transportation bus as a public transport means to improve the fare payment through the card-type information recording medium, so-called bus card, the bus card consisting of such card-type information recording medium In this case, even if it is possible to repeatedly charge the amount of traffic through a dedicated charging terminal, the place where the charging terminal is allowed to be installed is limited to the sales office that sells the bus card. Since the payment for the credit card is required immediately after the charge for the bus card is made, there is an inconvenience in that it is the same as the conventional purchase method that it is necessary to buy cash in the end.

In addition, in recent years, a card-type information recording medium includes a CPU (Central Processing Unit) and a memory manufactured by an integrated circuit (IC) integrated circuit chip. Electronic residents' cards as personal record cards, such as personal identification records cards, are being used in practice, so that information can be stored and hundreds of thousands of recorded information can be retrieved and recorded and read semi-permanently. The use of high-capacity, multi-permanent semi-permanent card-type information recording medium such as a card is required to add a function that can be repeatedly used to charge the appropriate amount of money information to carry.

Accordingly, the present invention has been made in view of the above-described circumstances, and the predetermined amount is determined by public telephone communication with a financial processing network through a telephone dedicated to the processing of electronic money for a card-type money amount information containing medium commonly used as electronic money. It is an object of the present invention to provide an electronic money information processing apparatus capable of recording and processing money information for charging.

It is another object of the present invention to record money information for charging a predetermined amount of money by a public telephone communication with a financial processing network through a telephone dedicated to processing information of electronic money for a card type money amount information recording medium commonly used as electronic money. It is to provide an electronic money information processing method that can be processed.

In order to achieve the above object, according to the electronic money information processing system according to the present invention, in a telephone communication system capable of making a voice call by an incoming / outgoing operation with the other party through a public telephone network, the amount of money by applying an electric signal The account number assigned to the financial institution designated by the card-type monetary amount information-carrying medium with the information recording part containing information on the monetary amount to enable the deposit / withdrawal of money. And a plurality of financial center databases for transmitting the withdrawal amount data corresponding to the withdrawal amount of the desired amount based on the information of the password so that the withdrawal amount data corresponding to the desired amount of withdrawal data can be stored in the information recording portion of the corresponding card type monetary amount information bearing medium; By receiving the card-type monetary value information containing medium and inputting a desired amount of withdrawal desired amount, online by call connection with the financial center database designated for the card-type monetary value information bearing medium among the plurality of financial center databases. The present invention provides an electronic money information processing apparatus including a telephone which receives withdrawal amount data corresponding to a desired amount of withdrawal through communication and stores the withdrawal amount data in the information recording portion of the card type money amount information containing medium.

In addition, according to the electronic money information processing method according to the present invention in order to achieve the above object, in the communication control method of the telephone communication system made to make a voice call with the other party by the online communication through the public telephone network, A card type money amount information recording medium capable of payment processing for a predetermined payment occurrence is provided with an information recording part containing money amount information of a currency, and a function key of a key matrix is keyed in to input the key matrix's function key. A first process of executing a function, and a second attempt to establish a currency path by attempting to make a call connection with the financial center database side of the designated financial institution with respect to the accepted card type monetary value information bearing medium in the financial center database according to a plurality of financial institutions; Process, the account number assigned to the card-type monetary amount information bearing medium and its ratio A third step of transmitting the password information to the corresponding financial center database through a public telephone network, and performing authentication processing on the account number and password received from the financial center database; and the account number and password by the financial center database. When the authentication process of is completed, the fourth step of inputting a desired monetary amount through the key matrix on the phone and sending information on the monetary amount to the financial center database through a public telephone network; A fifth step of generating withdrawal amount information of the amount corresponding to the monetary amount and sending it online to the telephone side as a result of receiving the information on the monetary amount of the predetermined amount sent from the telephone; Withdrawal amount received from The information recording medium insertion portion information contained in the card-type monetary amounts provides electronic money information processing method comprising including a sixth step of recording the sub-information recorded on the media.

According to the present invention made as described above, by accepting the card-type money amount information recording medium which can deposit and withdraw a predetermined amount of money electronically from the telephone capable of general voice call with the other party through the public telephone network and through the public telephone network By performing online communication through a call connection with a financial center database of a predetermined financial company, it is possible to receive data of withdrawal amount information of a desired amount and to record it on the information recording portion of the corresponding card type monetary amount information recording medium.

1 is a diagram illustrating a system network structure of a public telephone system to which an electronic money information processing device according to the present invention is applied;

2 is a perspective view showing the appearance of a telephone for processing money information applied to an electronic money information processing device according to the present invention;

3 is a block diagram showing an internal circuit configuration of a telephone according to the electronic money information processing apparatus shown in FIG. 2 according to an embodiment of the present invention;

4A to 4C are diagrams illustrating a state in which currency information processing is performed on a cash card as an electronic money through a telephone according to the electronic money information processing device according to an embodiment of the present invention;

5 is a flowchart illustrating an operation of the electronic money information processing method according to an embodiment of the present invention.

*** Explanation of symbols for the main parts of the drawing ***

2: key matrix, 4: media insert,

6: card type monetary value information carrier, 8: display unit,

10: bridge diode, 12: call sound generator,

14: Speaker, 16: Hook switch,

18: sign signal processing section, 20: sign language section,

22: transmitter, 24: selector switch,

26: digit signal generator, 28: code signal demodulator,

30: card interface, 32: signal lead / light portion,

34,36: memory, 38: CPU,

40: character memory, 42: character generator,

44: display driver, 46: data output buffer,

48: Output port.

Hereinafter, an embodiment of the present invention configured as described above will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a system network structure of a public telephone system to which an electronic money information processing device according to the present invention is applied, and reference numerals MD1 to MDn in the system of the present invention according to the present invention correspond to financial settlements, for example, banks and the like. In order to comprehensively service the financial processing status inquiry or online financial settlement processing of the financial information of the settlement account granted to a large number of financial subscribers belonging to processing and lending institutions, The first to nth financial center databases operated by the system are shown.

Here, each of the financial center databases MD1 to MDn is deposited into a payment account granted to the financial subscriber by remote online telephony through a public telephone network (PSTN network) with a plurality of financial subscribers. It is operated to send the amount of withdrawal information of money amount to the financial subscribers online, and the card-type money amount information containing medium which receives and charges the amount of money withdrawal information for the withdrawal is manufactured in advance by the manufacturer. The information of the number should be set in correspondence with the relevant payment account so that it can be used as inspection information for security when actual money withdrawal is required, and the corresponding payment account and Requirement for withdrawal of desired amount as information of password given about it is received After the reception, and then transmits the information of the amount of withdrawal of the desired amount is deducted online processing a withdrawal amount for this billing account.

In addition, the reference numeral 100 is capable of making a voice call with other general subscriber telephones through a public telephone network, and accepts the card type monetary value information recording medium described later to the card type monetary value information recording medium 6. Monetary information processing for receiving and withdrawing payment amount information of a desired amount by online communication through a public telephone network with a financial center database of the authorized subscriber's payment account and recording it on a card type monetary amount containing medium (6). Represents a phone.

2 is a perspective view showing the appearance of a telephone for processing money information applied to an electronic money information processing apparatus according to the present invention, in which reference numeral 2 is a telephone call by dialing a telephone number assigned to the other party's telephone. Numeric keys (0 to 9) for numeric input of telephone numbers, special keys (*, #) for entering codes of special services granted on telephone services, and hook keys for hooking off the speakerphone. , Represents a key matrix with a redial key for redialing a previously entered telephone number.

Here, the key matrix (2) is online with the amount withdrawal information for the monetary amount of the payment account granted to the subscriber by the online communication through the public telephone network with the first to n-th financial center database (MD1 to MDn) And a function setting key (2A) for keying the execution of the currency information processing function by online communication through a public telephone network for storing in the card-type money amount information recording medium 6 which will be received later. Ten thousand key (2B) to designate, thousand thousand key (2C) to specify the amount of thousands of dollars, confirmation key (2D) key operated for the setting of input items according to the monetary information processing function, and the currency And a cancel key 2E which is operated for canceling an input state which has been incorrectly input on execution of the information processing function, wherein the numeric keys 0 to 9 are sums of desired money amounts on execution of the currency information processing function. So that functions can be converted to type.

Further, reference numeral 4 is formed on one side of the front surface of the main body of the telephone 100 in order to insert a card-type money amount information recording medium 6 capable of storing money amount information of a predetermined amount, and the card-type money amount information recording medium ( The card storage portion having a long slit shape is shown so that the information recording portion of 6) is sufficiently accommodated for recording and reading processing of information.

Here, in the case of the card-type monetary value information recording medium 6, the electronic information signal corresponding to the monetary amount of a predetermined amount is magnetically recorded or the already recorded monetary amount information is read out for payment of a predetermined amount. It consists of a magnetic card of a type having a magnetic recording surface, or a CPU and a memory made of an IC type semiconductor chip, and records and stores information data according to a predetermined amount of money in the memory by data processing by the CPU. It is in the form of an IC card to read or read the monetary value information stored in the memory.

On the other hand, in the case of a magnetic card which magnetically records information of money amounts, or a card type money amount information recording medium 6 formed in the form of an IC card in which an IC type semiconductor chip is embedded, a card that cannot be erased in the information recording portion. The information of the serial number is stored and used as inspection information for security when withdrawing money for a desired financial sector account.

Also, reference numeral 8 is provided on a predetermined front surface of the main body of the telephone 100 to display an execution state of a currency information processing function for receiving money amount information via a public telephone network, for example, a liquid crystal display such as an LCD. The display part which consists of elements is shown.

3 is a block diagram showing an internal circuit configuration of a telephone according to the electronic money information processing apparatus shown in FIG. 2 according to an embodiment of the present invention, wherein reference numeral 10 denotes telephone connection terminals L1 and L2. And a bridge diode for rectifying a signal signal inputted and outputted during a voice call or a signal according to code data inputted and outputted during a monetary information processing function according to the present invention, and 12 denotes a bridge diode 10 as a medium. A ringing tone generator for receiving ring signals input from the telephone connection terminals L1 and L2 to generate a ringing tone signal of a predetermined voice to be transmitted through the speaker 14 is shown.

Reference numeral 16 denotes a hook-on or off-operation according to the operation of the handset by a telephone call with the other party, and the telephone connection terminals L1 and L2 via the bridge diode 10 and the call signal processing unit (to be described later) ( 18) switching between the telephone connection terminals L1 and L2 and the code signal demodulation unit 28 to be described later by performing switching for forming or releasing a call path between the communication paths. The hook switch which performs switching for formation or release of a furnace is shown.

Further, reference numeral 18 performs voice processing of a sign language signal received from the other party received through the telephone connection terminals L1 and L2 in a state in which a call path is formed by voice call with the other party, and a caller (described later) And a speech signal processing section for speech processing the speech signal output from 22).

Reference numeral 20 denotes a handset for outputting a speech signal processed by the talk signal processor 18 while a call path is formed by a voice call operation with the other party, and 22 denotes a voice generated by a user. The talker which converts into an electrical signal and outputs it as a talk signal is shown.

Reference numeral 24 denotes a switching operation for switching operation by the CPU 38, which will be described later, to form a switching path for the selective execution of the voice call function or the currency information processing function according to the present invention. Indicates the selector switch.

In addition, reference numeral 26 denotes a digit pulse signal based on a dialing signal input from the key matrix 2 according to a hook-off state in a general voice call function, so that the hook switch 16 and the bridge diode 10 are generated. The digital signal generating unit can transmit a digital signal to a public telephone network and generates a digital signal for generating a data code of request information for monetary information processing according to the execution of the monetary information processing function.

Reference numeral 28 denotes a data code for the request information of currency information processing based on the digit signal received from the digit signal generation section 26 under the control of the CPU 38 described later in accordance with the execution of the currency information processing function. A code signal demodulation unit for performing data demodulation processing and data demodulation processing of code signals for money withdrawal information from a predetermined financial center database received through the hook switch 16 and the selection switch 24. Indicates.

Reference numeral 30 denotes a signal input / output for reading the information recorded on the card-type money amount information containing medium 6 inserted through the medium inserting portion 4 and recording the amount of money value information for a predetermined amount. The card interface for performing the interface operation is shown, and 32 indicates information read from the information recording section of the card-type money amount information recording medium 6 via the card interface 30 by control signal communication with the CPU 38 described later. And a signal lead / write section for performing a write operation for storing monetary amount information of a predetermined amount.

Further, reference numeral 34 denotes a first memory made of, for example, an EEPROM in which control program data for performance control of a monetary information processing function, which can receive information of money amounts online through a public telephone network, is stored. According to the performance of the monetary information processing function according to the present invention, a second memory made of, for example, DRAM for temporarily storing and processing the input items and the information items received through the public telephone network.

Further, reference numeral 38 denotes execution of a currency information processing function by the key matrix 2 in a state where insertion of the card-type money amount information recording medium 6 is confirmed by the signal lead / write unit 32. FIG. When a key operation is performed, the public telephone network with the financial center database (see FIG. 1) corresponding to the account number input through the key matrix 2 is based on the control program data from the first memory 34. A CPU (Centural Processing Unit) is in charge of controlling for receiving information of a money amount desired to be withdrawn by the communication via the card-type money amount information bearing medium 6.

Here, the CPU 38 controls the hook-off control of the hook switch 16 and the selective switching of the selection switch 24 in accordance with the execution of a general voice call function or a currency information processing function according to the present invention. In addition, the signal read / write unit 32 is responsible for controlling to visually display the input items received from the key matrix 2 on the display unit 8 according to the execution of the currency information processing function. The information on the card manufacturing number for the card-type monetary value information-carrying medium (6), which is read through the card), is sent to the financial center database corresponding to the desired financial institution account and used as inspection information. The card-type money amount information by applying a predetermined amount of money withdrawal information signal received from the center database to the signal lead / light unit 32; It is to be recorded on the information recording surface of the recording medium (6).

Reference numeral 40 denotes a character memory in which character data of various characters or numbers to be displayed on the display unit 8 is stored according to the execution of the currency information processing function, and 42 denotes display control from the CPU 38. Loading character data from the character memory 40 to generate data of character display information for visually displaying the received and recorded states of the inputs input by the key matrix 2 and a predetermined withdrawal amount. A character generating unit is shown, and 44 denotes a display driving unit which is driven to display character characters or numbers related to currency information processing functions on the display unit 8 by data of the character display information from the character generating unit 42.

Further, reference numeral 46 denotes various information data related to the monetary information processing function from the CPU 38 (that is, data of various display items displayable by the display unit 8 and withdrawal amount received from the corresponding financial center database). Data output buffer which receives the data and buffers it for transmission to the outside, and 48 denotes a display monitor such as a personal computer or a television for displaying various information data through the data output buffer 46. The output port is installed on a predetermined external side of the telephone 100 in order to transmit the wire to the external device side.

Next, an embodiment of the electronic money information processing apparatus according to the present invention configured as described above will be described with reference to FIGS. 4A to 4C.

First, the card-type money amount information recording medium 6 is inserted into the medium insertion unit 4 provided in the predetermined portion of the phone 100 for currency information processing, and the signal lead / light unit 32 is connected via the card interface 30. In the state where the card type monetary value information containing medium 6 is inserted, the function setting key 2A of the key matrix 2 executes the monetary information processing function of the predetermined monetary amount via the public telephone network. When the key is operated, the CPU 38 receives the digit signal corresponding to the key operation signal of the function setting key 2A generated by the digit signal generator 26 to execute the currency information processing function.

In this state, the CPU 38 outputs display control data to the character generator 42 to generate data of the character display information as an initial screen for processing the currency information based on the character data of the character memory 40. As shown in FIG. 4A, the account number of the banknote account assigned to the card-type money amount information recording medium 6 and the password for the account number are displayed on the display unit 8 of the key matrix 2. While the status input by the key operation is displayed on the screen, the financial program name corresponding to the input account number is displayed on the screen by the control program data from the first memory 34, and the signal lead / The recording information of the card-type money amount information holding medium 6 which is read by the writing unit 32, that is, the balance information of the money amount is also displayed.

Then, in the CPU 38, when the confirmation key 2D of the key matrix 2 is key operated, the hook switch 16 is hooked off and the telephone number according to the control program data of the first memory 34 is hooked. Through the information, the card-type monetary value information carrying medium 6 is dialed for attempting to connect to a financial institution corresponding to the account number input, that is, the financial center database.

At this time, when a call connection is made according to a call connection attempt to the financial center database side, the CPU 38 controls switching of the selection switch 24 so that an account code-modulated by the code signal modulation / demodulation unit 28 is performed. The transmission information on the number can be sent to the financial center database through the hook switch 16 and the bridge diode 10, the corresponding card type money amount led by the signal lead / light unit 32 Information of the card manufacturing number for the information recording medium 6 is also sent to the financial center database side via the code signal modulation and demodulation unit 28 so as to be utilized as inspection information.

Accordingly, the financial center database compares the card manufacturing number information for the card type monetary value information bearing medium 6 received from the telephone 100 with the setting information of the card manufacturing number preset for the account number. If it is determined to be the same, the transmission information on the account balance of the account number is transmitted through the public telephone network through the inquiry process for the account number, and the CPU 38 of the telephone 100 is connected with the bridge diode 10. As shown in FIG. 4B, the display unit 8 is received as the amount of money information about the account balance inputted through the hook switch 16 and the selection switch 24 and code-demodulated by the code signal modulation / demodulation unit 28 is received. ), The account balance for the account number can be displayed.

Meanwhile, as shown in FIG. 4B, in the state in which the remaining account balance for the account number of the card-type money amount information recording medium 6 is displayed on the display unit 8, the numeric keys of the key matrix 2 are displayed. When 0 to 9 and ten thousand key 2B or thousand key 2C are keyed and a withdrawal amount of a predetermined amount is inputted, setting information of the withdrawn amount is inputted by the code signal demodulation unit 28. It is altered and sent to the financial center database.

Subsequently, the financial center database side receives the setting information on the withdrawal amount of a predetermined amount, passes through the inquiry process again, generates the withdrawal information of the monetary amount corresponding to the actual amount, and sends it to the corresponding telephone 100 through the public telephone network. Will be sent.

As a result, in the CPU 38, the card type money is written by the signal read / write part 32 by writing the data for the amount of money withdrawal information of the monetary value coded through the code signal modulation / demodulation part 28. When the information recording of the amount withdrawal information is completed, the information recording information on the amount to be withdrawn on the display unit 8 is completed as shown in FIG. 4C. And information on the total balance of the amounts currently listed.

Next, an operation according to an embodiment of the present invention made as described above will be described in detail with reference to the flowchart of FIG. 5.

First, in step 50, the hook switch 16 of the telephone 100 is in the state of waiting for a call to perform a voice call function or a currency information processing function of a predetermined amount of money while maintaining the hook-on state. It is judged whether or not the function setting key 2A of the matrix 2 performs a key operation for executing the money information processing function (step 51).

As a result of the determination, if it is determined that the function setting key 2A of the key matrix 2 is not operated, the control proceeds to step 52 where the handset constituting the handset 20 and the talker 22 is operated. It is determined whether the hook switch 16 is hooked off.

As a result of the determination in step 52, when it is determined that the hook switch 16 is being hooked off while the handset is operated, the digit of the telephone number input by the numeric keys 0 to 9 of the key matrix 2 is keyed. The signal is generated by the digit signal generator 26 to be transmitted to the switching center of the public telephone network through the hook switch 16 and the bridge diode 10 to form a state in which a general voice call is possible (step 52).

However, if the determination in step 51 determines that the function setting key 2A of the key matrix 2 is being operated for the execution of the monetary information processing function, then the control proceeds to step 54 in which the card interface 30 is opened. It is judged whether or not the card type monetary value information recording medium 6 is inserted into the medium insertion unit 4 by the signal lead operation of the signal lead / write unit 32 through.

If it is determined that the card-type money amount information recording medium 6 is not inserted into the medium inserting unit 4, the control proceeds to step 55, whereby the function is released while the money information processing function is deactivated. Proceed to 50 and enters the call waiting state.

However, when it is determined in step 54 that the card-type money amount information recording medium 6 is inserted into the media inserting unit 4, the character generating unit 42 is controlled to display and control the display driver 26. While driving, the initial screen of the money information processing function is displayed on the display unit 8 as shown in FIG. 4A. The card-type money amount information is recorded by the read operation of the signal lead / light unit 32. FIG. The account for which the numeric keys (0 to 9) and the confirmation key (2D) of the key matrix 2 are keyed in the state in which the information on the remaining amount of money on the information recording surface of the medium 6 is displayed as a card recording item. The input status of the number is displayed on the screen (step 56).

When the key matrix 2 is key-operated as described above and a predetermined account number is input, the CPU 38 corresponds to the corresponding account number according to a control process of the control program data from the first memory 34. The character display data for the financial institution name, i.e., the predetermined financial center database name, is generated in the character generating section 42 so as to be displayed on the display section 8 as its own storage item (step 57).

Next, the process proceeds to step 58, and the CPU 38 determines whether or not a password is input according to the key operation of the key matrix 2, and if it is determined that it is not being input, the process proceeds to step 59 and the key. It is determined whether the cancel key 2E of the matrix 2 is keyed to erase the previously entered account number.

As a result of the determination in step 59, if it is determined that the cancel key 2E of the key matrix 2 is being operated, the control proceeds to step 60, where the financial number corresponding to the account number on the display unit 8 and the account number is determined. The center database name is cleared and the process proceeds to step 56 above.

On the other hand, if it is determined in step 58 that the password is being input by the key matrix 2, the control proceeds to step 61 where the confirmation key 2D of the key matrix 2 is assigned to the designated account number. If it is determined that such key manipulation is being made, the control proceeds to step 62, and the hookswitch 16 is hooked off, and the plurality of financial center databases ( Among the MD1 to MDn, dialing is attempted based on the telephone number information of the financial center database corresponding to the designated account number.

In that state, the flow advances to step 63 and the CPU 38 determines whether a call connection with the designated financial center database is made.

If it is determined in step 63 that the call connection with the designated financial center database is established, then control proceeds to step 64 whereby the selection switch 24 is switched to the code signal modulation and demodulation unit 28. When the information of the account number and password signal-modulated by the code signal modulation / demodulation unit 28 and the card manufacturing number information are transmitted from the card-type money amount information recording medium 6, the corresponding financial center database in which the call connection is made is made. Receives the information of the account number and password, and performs authentication processing through preset setting information through the information of the card manufacturing number received together, and then, when the authentication is completed, the amount of money deposited for the account number The account balance information is generated and sent to the corresponding phone 100 side.

Accordingly, the CPU 38 of the telephone 100 receives the account balance information transmitted from the financial center database through the hook switch 16 and the selection switch 24 and codes the code by the code signal demodulation unit 28. After the demodulation process, character display data of the balance relating to the account balance information is generated through the character generating section 42 so as to be displayed on the display section 8 as shown in Fig. 4B (step 64).

In that state, the process proceeds to step 65 where the CPU 38 determines whether or not a desired withdrawal amount is input by the key operation of the numeric keys 0 to 9 and the confirmation key 2D of the key matrix 2. To judge.

As a result of the determination, if it is determined that input of the desired withdrawal amount by the key operation of the key matrix 2 is not performed, control proceeds to step 66, where the cancel key 2E of the key matrix 2 is a key. If it is determined that the cancel key 2E is being keyed, the process proceeds to step 55 and the function returns to step 50 while deactivating the currency information processing function to maintain the initial state. Done.

If it is determined that a withdrawal desired amount of money desired to be stored in the card-type money amount information holding medium 6 is inputted through a key operation of the key matrix 2, the information of the inputted withdrawal desired amount of money is determined. Is modulated by the code signal demodulation unit 28 and sent to the corresponding financial center database through the public telephone network via the selection switch 24 and the hook switch 16 (step 67).

On the other hand, the financial center database side determines whether the information on the withdrawal desired amount of money received from the phone 100 is within the account balance of the account number assigned to the card type monetary value information carrying medium 6. In accordance with the determination result, withdrawal amount data corresponding to the information of the desired withdrawal desired amount is generated and sent, while the withdrawal amount data sent from the financial center database is transferred to the hook switch 16 in the telephone 100. And code demodulation processing in the code signal demodulation section 28 via the selection switch 24, the CPU 38 outputs the withdrawal amount data demodulated from the code signal modulation and demodulation section 28. 32) to be recorded on the information recording surface of the card-type money amount information recording medium 6 (step 68).

At this time, in step 69, the CPU 38 judges whether or not the processing of recording the withdrawal amount data on the information recording surface of the card-type money amount information containing medium 6 is completed.

As a result of the determination in step 69, when it is determined that the processing of recording the withdrawal amount data on the information recording surface provided in the card-type money amount information bearing medium 6 is completed, then control proceeds to step 70 where the signal lead / Recording the desired withdrawal desired amount on the display unit 8 as shown in FIG. 4C in accordance with the character display data generation process of the character generator 42 while ending the write operation of the information on the write unit 32. While the display indicates that this is completed, the hook switch 16 is hooked on to release the call connection.

In addition, it is possible to discharge the card-type money amount information recording medium 6 inserted in the medium inserting portion 4.

The present invention as described above is not limited to the embodiments, and various modifications and changes can be made without departing from the gist of the present invention. For example, information recording of the card-type money amount recording medium 6 can be carried out. Although the information contained in the book is limited to the storage information of the monetary amount, the data storage function for the card-type monetary amount information recording medium 6 is extended to store the CPU and data made of IC chips. As the readable / readable memory is built-in, the overall credit information allocated for the card-type monetary value information carrying medium 6 can be stored by itself, so that the memory can provide information of the monetary amount and the corresponding card type. Sufficient storage to store the character code data and account number information of the financial institution name allocated to the monetary amount information bearing medium 6; The CPU stores information data corresponding to a monetary amount of a predetermined amount in a memory and stores or reads the monetary amount information stored in the memory as balance information. It is desirable to be able to control the reading process of the data and the information data of the account number.

At this time, when the information recording portion of the card-type money amount information recording medium 6, that is, the character code data of the financial institution name and the corresponding account number information data are stored together with the balance information in the memory, In the CPU 38 on the telephone 100 side, information of the character code data and the account number of the financial company contained in the information recording section of the card-type money amount information recording medium 6, which are read through the signal lead / write unit 32, is used. Is inputted to the card-type monetary value information carrying medium 6 so that it can be sent as credit information by a call connection with the financial center database side of the designated financial institution.

In addition, in the embodiment according to the present invention, only the function to receive the desired money amount online by the public telephone communication through the phone 100 and to charge the card-type money amount information recording medium (6) However, on the contrary, the settlement of a predetermined amount of payment, such as a utility bill, a credit card fee, or an article purchase fee, is performed online through the monetary amount contained in the card-type monetary value information bearing medium 6. It is also possible to make it happen.

According to the present invention made as described above, it is possible to deposit and withdraw a predetermined amount of money by an electrical signal to replace the real money by inserting an electronic money card capable of payment processing for various payment occurrences in the telephone and public It is possible to receive and record the withdrawal information of the desired money amount by online communication with the financial company through the telephone network, thereby enabling the recurring settlement using the electronic money card in the future. With the advantage that repetitive charging can be done more easily, the electronic money card will not only function as an effective trigger for assisting the replacement of the payment function of the real money, but also various information such as electronic resident card. Integrated recording and use of clothing The type information is to have an effect that the utilization than can be varied with respect to the medium.

Claims (8)

In the telephone communication system that can make a voice call by the incoming and outgoing operation with the other party through the public telephone network (PSTN), Each card is attached to a financial institution designated by the card-type money amount information bearing medium 6, which has an information bearing part containing information on the money amount so that the money amount can be entered and withdrawn by the application of an electric signal. On the basis of the information of the account number and password assigned to the medium-type monetary amount information recording medium 6, withdrawal amount data corresponding to the desired amount of withdrawal amount is recorded via the public telephone network (PSTN). A plurality of financial center databases MD1 to MDn which are sent to be recorded in the information recording portion of the medium 6; The card-type monetary amount information holding medium 6 is stored in the plurality of financial center databases MD1 to MDn by receiving the card-type monetary value information containing medium 6 and inputting a desired withdrawal amount of the desired amount. The telephone 100 which receives the withdrawal amount data corresponding to the desired withdrawal amount through online communication through a call connection with a designated financial center database and stores the withdrawal amount data of the card type monetary value information bearing medium 6 in the information recording section. Electronic money information processing device, characterized in that configured to include. 2. A key according to claim 1, wherein the telephone set (100) performs a key input for executing a function for storing a predetermined amount of money amount information on the information recording portion of the card-type money amount information storing medium (6). A financial center database designated for an input means (2, 26), a medium insertion means (4) for receiving and accepting the card-type money amount information containing medium (6), and the card-type money amount information information storage medium (6); Hook switch means 16 for hook-on / off switching for a call connection of the call, and a general voice call function and a currency information processing function through online communication with the financial center database via the hook switch means 16; A selection switch means 24 for switching to provide a signal path for selectively performing, and a system for the card-type money amount information holding medium 6 to be sent to the financial center database; Code signal modulation and demodulation means for demodulating and processing information data of a number and a password, by performing signal modulation processing to the selection switch means 24, and demodulating the withdrawal amount data from the financial center database supplied from the selection switch means 24 ( 28), withdraws the amount of money received by the online communication from the financial center database while reading the information contained in the information recording portion of the card-type money amount information recording medium 6 inserted into the medium insertion means 4; The signal lead / write means 30, 32 for recording information by the write operation, and control program data for the function performance control of the money information processing function for the card-type money amount information recording medium 6 are stored. Memory means (34, 36) for providing a data processing storage area on the money information processing function, and currency correction by key input of the key input means (2, 26); In accordance with the performance of the processing function, the hook switch means 16 and the selection switch means 24 are controlled to switch the withdrawal amount data transmitted by the online communication from the financial center database. Control means (38) for performing control processing for recording in the control panel; and display processing means (40, 42, 44) for display control by the control means (38) to visually display the function execution state of the money information processing function. , 8) Electronic money information processing apparatus comprising a. The card-type money amount information recording medium (6) according to claim 1 or 2, wherein the information amount of the remaining amount of money and information of a predetermined card manufacturing number are stored in the information recording portion. Control means 38 of the account type assigned to the card-type money amount information holding medium 6 inputted by the key input means 2 and 26, the information data of the password and the card-type money amount information thereof. And an electronic money information processing device for controlling to transmit information of the card manufacturing number from the recording medium (6) to a corresponding financial center database. The card-type money amount information recording medium (6) according to claim 1 or 2, wherein the card-type money amount information recording medium (6) includes information on a financial company name, an account number, and a remaining amount of money corresponding to the information recording portion, and a predetermined card manufacturing number. Information is stored in the card-type money amount information recording medium 6, and information on the account number and card manufacturing number, and the key input means 2 and 26, respectively. Electronic information processing device characterized in that the control processing to send the information data of the password received by the financial center database of the financial company. 3. The telephone apparatus (100) according to claim 2, wherein said telephone (100) stores data of display items displayable by said display processing means (40, 42, 44, 8) and withdrawal amount data received from said financial center database on a currency information processing function. It further comprises a data output buffer 46 for receiving and buffering the input from the control means 38, the output port 48 for transmitting the data of the display items and the data of the withdrawal amount through the data output buffer 46 to the outside; Electronic money information processing device, characterized in that configured. In the communication control method of the telephone communication system made to make a voice call with the other party by the online communication through the public telephone network (PSTN), A card type monetary amount information containing medium 6 capable of payment processing for a predetermined payment occurrence by having an information collecting part containing predetermined monetary value information is accommodated in the media insertion part 4 of the telephone 100, A first step of executing a currency information processing function by inputting a function key of (2); A second process of establishing a currency path by attempting to make a call connection with the financial center database side of the designated financial institution to the accepted card type monetary value information recording medium 6 in the financial center database according to a plurality of financial institutions; The account number assigned to the card-type monetary amount information recording medium 6 and the password information are transmitted to a corresponding financial center database through a public telephone network, and authentication of the account number and password received from the financial center database is performed. The third process of carrying out the treatment, When the authentication process of the account number and password by the financial center database is completed, the desired amount of money is input through the key matrix 2 in the phone 100, and information about the money amount is input through the public telephone network. A fourth process of transmitting to the financial center database; Generating the withdrawal amount information of the amount corresponding to the monetary amount as a result of receiving the information on the monetary amount of the predetermined amount sent from the phone 100 in the financial center database, and sending it online to the telephone 100 side; 5 courses and, And a sixth process of recording the withdrawal amount information received from the financial center database at the telephone 100 in the information recording section of the card-type money amount information recording medium 6 accommodated in the media insertion section 4. Electronic money information processing method characterized in that. 7. The method according to claim 6, wherein the information recording part of the card-type money amount information recording medium (6) in the process contains money amount information of the remaining amount and information of a predetermined card manufacturing number. The authentication process determines whether the information of the card manufacturing number in the corresponding financial center database matches the setting information of the card manufacturing number set in advance according to the account number specified for the card type monetary value information bearing medium 6. Electronic money information processing method, characterized in that made to perform. The information recording part of the card-type monetary value information recording medium (6) in the second step includes information on the monetary amount of the financial center database name and account number and the remaining amount of the corresponding financial institution; The information of the designated card manufacturing number is stored, and the authentication process according to the third process is carried out in the corresponding financial center database in which the information of the card manufacturing number is assigned to the account number designated by the card type monetary value information bearing medium (6). The electronic money information processing method, characterized in that it is configured to perform authentication by determining whether or not match with the preset information of the card manufacturing number set in advance.